Exhibit 99.7
| Loan Number | Seller Loan Number | Originator | Last Name | Note Date | Original Balance | State | TPR QM ATR Status | Loan Status | Exception Date | Remediation Status | Exception Type | ExceptionXXXtegory | Exceptions | ExceptionXXX | ExceptionXXX Date | ExceptionXXX Response | ExceptionXXX Response Date | Compensating Factors | Initial Overall Loan Grade | Final Overall Loan Grade | Initial Exception Grade | Final Exception Grade | Initial Credit Grade | Final Credit Grade | Initial Property Valuation Grade | Final Property Valuation Grade | Initial Compliance Grade | Final Compliance Grade | Initial Overall Grade (DBRS) | Initial Credit Grade (DBRS) | Initial Property Valuation Grade (DBRS) | Initial Compliance Grade (DBRS) | Initial Overall Grade (Fitch) | Initial Credit Grade (Fitch) | Initial Property Valuation Grade (Fitch) | Initial Compliance Grade (Fitch) | Initial Overall Grade (KBRA) | Initial Credit Grade (KBRA) | Initial Property Valuation Grade (KBRA) | Initial Compliance Grade (KBRA) | Initial Overall Grade (Moody's) | Initial Credit Grade (Moody's) | Initial Property Valuation Grade (Moody's) | Initial Compliance Grade (Moody's) | Initial Overall Grade (S&P) | Initial Credit Grade (S&P) | Initial Property Valuation Grade (S&P) | Initial Compliance Grade (S&P) | Final Overall Grade (DBRS) | Final Credit Grade (DBRS) | Final Property Valuation Grade (DBRS) | Final Compliance Grade (DBRS) | Final Overall Grade (Fitch) | Final Credit Grade (Fitch) | Final Property Valuation Grade (Fitch) | Final Compliance Grade (Fitch) | Final Overall Grade (KBRA) | Final Credit Grade (KBRA) | Final Property Valuation Grade (KBRA) | Final Compliance Grade (KBRA) | Final Overall Grade (Moody's) | Final Credit Grade (Moody's) | Final Property Valuation Grade (Moody's) | Final Compliance Grade (Moody's) | Final Overall Grade (S&P) | Final Credit Grade (S&P) | Final Property Valuation Grade (S&P) | Final Compliance Grade (S&P) |
| 2023010688 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Compliance | Regulation §1026.43(e)(2)(vi) failure - The Qualified MortgageXXXlculated DTI is greater than 43.00. | Regulation XXX(e)(X)(vi) - The Qualified MortgageXXXlculated DTI of XXX is greater than XXX (Total Income of XXX and Total Monthly Debt -XXX and Future PITI XXX) Regulation XXX(e)(X)(vi) - The Qualified MortgageXXXlculated DTI of XXX is greater than XXX (Total Income of XXX and Total Monthly Debt -XXX and Future PITI XXX) Regulation XXX(e)(X)(vi) - The Qualified MortgageXXXlculated DTI of XXX is greater than XXX (Total Income of XXX and Total Monthly Debt -XXX and Future PITI XXX) | Regulation XXX(e)(X)(vi) - The Qualified MortgageXXXlculated DTI of XXX is not greater than XXX (Total Income of XXX and Total Monthly Debt -XXX and Future PITI XXX) Regulation XXX(e)(X)(vi) - The Qualified MortgageXXXlculated DTI of XXX is not greater than XXX (Total Income of XXX and Total Monthly Debt -XXX and Future PITI XXX) Regulation XXX(e)(X)(vi) - The Qualified MortgageXXXlculated DTI of XXX is not greater than XXX (Total Income of XXXX and Total Monthly Debt -XXX and Future PITI XXX) | XXX | Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XX years at job. Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | D | A | C | A | C | A | D | A | C | A | D | C | D | C | D | C | D | C | D | C | D | C | D | C | D | C | D | C | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2023010688 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Property | Third Party Valuation Product Not Provided and FHLMC Collateral Rep & Warrant Relief is Not Eligible or Unavailable. | Third Party Valuation Product Not Provided and XXX Collateral Rep & Warrant Relief is Not Eligible. XXX - AVM information provided. Third Party Valuation , not applicable. Exception cleared. | Third Party Valuation Product Provided. | XXX | Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XX years at job. Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | D | A | D | A | C | A | D | A | C | A | D | C | D | C | D | C | D | C | D | C | D | C | D | C | D | C | D | C | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2023010688 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Property | Third Party Valuation Product not Provided | Third Party Valuation Product not Provided to Support Origination Appraised Value within XX. | Third Party Valuation Product Provided. | XXX | Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XX years at job. Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | D | A | D | A | C | A | D | A | C | A | D | C | D | C | D | C | D | C | D | C | D | C | D | C | D | C | D | C | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2023010688 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Credit | DTI Exceeds AUS Maximum Allowable | The back-end DTI of XXX (Total Income of XXXX, Orig PITI of XXX, Monthly debt of -XXX) exceeds the maximum allowable per AUS of XXX XX/X/XX - Subject rental: XX vacancy factor of Rental Income = XXXX x XX vacancy factor = XXXX XXXX - XXX (PITI) = Subject Income - XXXX - Subject Income. XXX states Subj Income - XXXX. Updated XXX needed to include the XX vacancy factor on Subject Property. DTIXXXlculation: XXX - Subj PITI XXX - Primary PITI XXX - Liabilities XXX - REO Income XXX - Base Income XXXX - Subj Income XXX Liabilities / XXXX Income = XXX DTI Need updated XXX and LP to reflect DTI of XXX and subject rental income of XXXX. New PITI XXX, current leases XXXX*XX vacancy factor =XXXX. (XXX-XXXX=XXXX) |
Updated the Subject Property using the Tax Forms. XXXlculation of XXXX rental income is correct. The back-end DTI of XXX (Total Income of XXX, Orig PITI of XXX, Monthly debt of -XXX) is not greater than the maximum allowable per AUS of XXX |
XXX | Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XX years at job. Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | D | A | C | A | C | A | D | A | C | A | D | C | D | C | D | C | D | C | D | C | D | C | D | C | D | C | D | C | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2023010690 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Property | Are all required Addendum and Exhibits in file is Incomplete | Lender to provide Required appraisal addendum- This is a NONXXXsh out NOO property refinance page XXX notes occupant as O/O and should be tenant occupied per approval | Required appraisal addendum and exhibits is Yes XXX - Updated appraisal (showing Tenant Occupant) received. | XXX | Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XXX years at job. Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXXX are greater than the Guideline Minimum of XXXX. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | C | A | C | A | C | A | C | A | C | A | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2023010690 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Credit | DTI Exceeds AUS Maximum Allowable | The back-end DTI of XXX (Total Income of XXXXX, Orig PITI of XXX, Monthly debt of XXX) is not greater than the maximum allowable per AUS of XXX | The qualifying back-end DTI of XXX (Total Income of XXX, Orig PITI of XXX, Monthly debt of XX XXX) is not greater than the maximum allowable per AUS of XXX The back-end DTI of XXX (Total Income of XXX, Orig PITI of XXX, Monthly debt of XX XXX) is not greater than the maximum allowable per AUS of XXX. Utilized X variance allowed. The back-end DTI of XXX (Total Income of XXX, Orig PITI of XXX, Monthly debt of XX XXX) exceeds the maximum allowable per AUS of XXX | XXX | Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XXX years at job. Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXXX are greater than the Guideline Minimum of XXXX. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | C | A | C | A | C | A | C | A | C | A | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2023010691 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |
XXX | Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XXX years at job. Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXXXX are greater than the Guideline Minimum of XXXX. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | D | A | A | A | A | A | D | A | A | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010691 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | XXX | Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XXX years at job. Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXXXX are greater than the Guideline Minimum of XXXX. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | D | A | A | A | A | A | D | A | A | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010691 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Property | Third Party Valuation Product Not Provided and CU Score is Greater Than XXX | Third Party Valuation Product Not Provided and CU Score is Greater Than X | Third Party Valuation Product Provided. | XXX | Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XXX years at job. Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXXXX are greater than the Guideline Minimum of XXXX. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | D | A | D | A | A | A | D | A | A | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2023010689 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |
XXX | Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010689 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | XXX | Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010692 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | XXX | Borrower X has significant job time - Borrower has XXX years on job Borrower has stable job time - Borrower has XXX years at job. Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010692 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |
XXX | Borrower X has significant job time - Borrower has XXX years on job Borrower has stable job time - Borrower has XXX years at job. Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010207 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |
XXX | FICO exceeds guidelines - The FICO of XXX exceeds guidelines of ___ Borrower has significant job time - Borrower has been on job XX years. Borrower has over five years at current residence - Borrowers time at current residence is XX years. Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. | C | A | A | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010207 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Credit | Loan is Qm and DTI exceeds | Loan is a QM loan and DTI of ___ exceeds maximum of XX. | QM DTI is less than XX. | XXX | FICO exceeds guidelines - The FICO of XXX exceeds guidelines of ___ Borrower has significant job time - Borrower has been on job XX years. Borrower has over five years at current residence - Borrowers time at current residence is XX years. Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. | C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2023010207 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Credit | DTI Exceeds AUS Maximum Allowable | The back-end DTI of XXX (Total Income of XXX, Orig PITI of XXXX, Monthly debt of XXXX) exceeds the maximum allowable per AUS of XXX | Email received re-reviewed loan and REO properties were not beingXXXlculated properly. Updated theXXXlculation - within guidelines. Exception cleared. | The back-end DTI of XXX (Total Income of XXX, Orig PITI of XXXX, Monthly debt of XXX) is not greater than the maximum allowable per AUS of XXX The back-end DTI of XXX (Total Income of XXX, Orig PITI of XXXX, Monthly debt of XXXX) exceeds the maximum allowable per AUS of XXX | XXX | FICO exceeds guidelines - The FICO of XXX exceeds guidelines of ___ Borrower has significant job time - Borrower has been on job XX years. Borrower has over five years at current residence - Borrowers time at current residence is XX years. Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. | C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2023010207 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Credit | Borrower 1 VVOE is not within days of Note date | Borrower X VVOE dated X/XXXX is not within X days of Note date. AUS allows for third party verification to be within XXX days of the Note date which is X/XX/XX. Excepction cleared. | Received updated VOE dated X/XXXX. Business is still valid and within good standing. Exception cleared. | VVOE provided is within X days of Note date. Borrower X VVOE dated X/XXXX is not within X days of Note date. | XXX | FICO exceeds guidelines - The FICO of XXX exceeds guidelines of ___ Borrower has significant job time - Borrower has been on job XX years. Borrower has over five years at current residence - Borrowers time at current residence is XX years. Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. | C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2023010215 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | XXX | Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XX years | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010215 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |
XXX | Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XX years | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010208 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | Final Loan Application is Missing | Final loan application is Missing | XXX - Final XXX (dated X/XX/XX) received. Exception cleared. | XXX | Final loan application is Present XXX - Final XXX (dated X/XX/XX) received. Exception cleared. XX/X/XX - Initial XXX (dated X/XX/XX) received. Need final XXX dated X/XX/XX needed. XX/X/XX - Initial XXX (dated X/XX/XX) received. Need final XXX dated X/XX/XX needed. XX/X/XX - Initial XXX (dated X/XX/XX) received. Need final XXX dated X/XX/XX needed. XX/X/XX - Initial XXX (dated X/XX/XX) received. Need final XXX dated X/XX/XX needed. |
XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. | D | A | D | A | D | A | A | A | D | A | D | D | A | D | D | D | A | D | D | D | A | D | D | D | A | D | D | D | A | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2023010208 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | Right toXXXncel is Missing | The right toXXXncel is Missing | X/X/XX - Right toXXXncel (dated X/XX/XX) received | The right toXXXncel is Present XX/X/XX - Right toXXXncel (dated X/XX/XX) received. Exception cleared. XX/X/XX - The right toXXXncel is Missing | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXXX. | D | A | D | A | D | A | A | A | D | A | D | D | A | D | D | D | A | D | D | D | A | D | D | D | A | D | D | D | A | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2023010211 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan ( XX CFR XXX(a)(X) )The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate by or more orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate by or more orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate by or more. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has stable job time - Borrower has XX years at job. | D | B | C | B | D | A | A | A | C | B | C | C | A | C | D | D | A | C | C | C | A | C | D | D | A | C | D | D | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |||
| 2023010211 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | Final Loan Application is Missing | Final loan application is Missing X/XX/XX - Unexecuted/dated loan application received. Final loan application dated X/XX/XX is needed. XXX - Unexecuted/dated loan application received. Final loan application dated X/XX/XX is needed. XXX - Unexecuted/dated loan application received. Final loan application dated X/XX/XX is needed. X/X/XX - Unexecuted/dated loan applicationXXXs uploaded as a trailing/rebuttal document on XXX. The executed loan application is required. X/XX/XX - Unexecuted/dated loan application received. Final loan application dated X/XX/XX is needed. XXX - Unexecuted/dated loan application received. Final loan application dated X/XX/XX is needed. |
Received fully executed loan application dated X/XXXX. Exception cleared. X/XX/XX - Unexecuted/dated loan application received. Final loan application dated X/XX/XX is needed. XXX - Unexecuted/dated loan application received. Final loan application dated X/XX/XX is needed. XXX - Unexecuted/dated loan application received. Final loan application dated X/XX/XX is needed. X/X/XX - Unexecuted/dated loan applicationXXXs uploaded as a trailing/rebuttal document on XXX. The executed loan application is required. X/XX/XX - Unexecuted/dated loan application received. Final loan application dated X/XX/XX is needed. XXX - Unexecuted/dated loan application received. Final loan application dated X/XX/XX is needed. |
XXX | Final loan application is Present | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has stable job time - Borrower has XX years at job. | D | B | D | A | D | A | A | A | C | B | C | C | A | C | D | D | A | C | C | C | A | C | D | D | A | C | D | D | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B |
| 2023010211 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | ATR/QM Status is Pending | ATR/QM Status is pending. Noted documentation is required per Appendix Q. Final Application not provided. X/XX/XX - Unexecuted/dated loan application received. Final loan application dated X/XX/XX is needed. XXX - Unexecuted/dated loan application received. Final loan application dated X/XX/XX is needed. XXX - Unexecuted/dated loan application received. Final loan application dated X/XX/XX is needed. X/X/XX - Unexecuted/dated loan applicationXXXs uploaded as a trailing/rebuttal document on XXX. The executed loan application is required. X/XX/XX - Unexecuted/dated loan application received. Final loan application dated X/XX/XX is needed. XXX - Unexecuted/dated loan application received. Final loan application dated X/XX/XX is needed. |
Received fully executed loan application dated X/XXXX. Exception cleared. X/XX/XX - Unexecuted/dated loan application received. Final loan application dated X/XX/XX is needed. XXX - Unexecuted/dated loan application received. Final loan application dated X/XX/XX is needed. XXX - Unexecuted/dated loan application received. Final loan application dated X/XX/XX is needed. X/X/XX - Unexecuted/dated loan applicationXXXs uploaded as a trailing/rebuttal document on XXX. The executed loan application is required. X/XX/XX - Unexecuted/dated loan application received. Final loan application dated X/XX/XX is needed. XXX - Unexecuted/dated loan application received. Final loan application dated X/XX/XX is needed. |
XXX | The exception 'ATR/QM Status is Pending' is cleared. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has stable job time - Borrower has XX years at job. | D | B | C | A | D | A | A | A | C | B | C | C | A | C | D | D | A | C | C | C | A | C | D | D | A | C | D | D | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B |
| 2023010209 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | XXX | Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower has stable job time - Borrower has XX years at job. | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010209 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |
XXX | Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower has stable job time - Borrower has XX years at job. | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010210 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | XXX | Borrower has more than X years at current residence - Borrower at current residence XX years | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010210 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |
XXX | Borrower has more than X years at current residence - Borrower at current residence XX years | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010212 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan ( XX CFR XXX(a)(X) )The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate by or more orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate by or more orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate by or more. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. | C | B | C | B | C | B | A | A | C | B | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | |||
| 2023010212 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | Borrower residency documentation not provided or issue with documentation | Borrower residency documentation not provided or issue with documentation. XXXPermanent residentXXXrd Please provide valid unexpired greenXXXrd for borrowers, per XXX a copy of the front and back of the greenXXXrd is required for all self employed borrowers. The greenXXXrd must be unexpired through the note date of the loan. | Received Permanent ResidencyXXXrd. Exception cleared. Please provide valid unexpired greenXXXrd for borrowers, perXXX's a copy of the front and back of the greenXXXrd is required for all self employed borrowers. The greenXXXrd must be unexpired through the note date of the loan. |
XXX | Borrower residency documentation has been provided and there are no issues with documentation. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. | C | B | C | A | C | B | A | A | C | B | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B |
| 2023010212 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Credit | Liquid Reserves are less than Guidelines Required | The liquid reserves of XX months or XXX, are less than the Guidelines minimum required of XX or XXX. The liquid reserves of XX months or XXX, are less than the Guidelines minimum required of XX or XXX. | Approved Exception for not meeting Min reserves requiremnts of X months. Compensating Factors: Good Credit at XXX Fico, XXM XXX housing payment, X+ yrears delf-employed. | XXX | The liquid reserves of XX months or XXX, is greater than or equal to the Guidelines minimum required of XX or XXX. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. | C | B | C | B | C | B | A | A | C | B | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B |
| 2023010253 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |
XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | C | A | A | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010253 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | Residual income does not meet guidelines. | Residual income of XXXXX does not meet minimum guidelines. | Cleared during QC | Residual income meets guidelines. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2023010114 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Credit | Condo Approval Missing | Condo approval indicator is Missing XXXHOA/Condo Cert. Per all condos transactions must have a completed HOA Cert and project approval. | X/XXXX - Received Condo documentation. Documents reviewed, exception cleared. | XXX | Condo approval indicator is Present | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XX years at job. | D | B | D | A | D | B | A | A | C | A | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A |
| 2023010114 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Acknowledged | Credit | Housing history does not meet guidelines | Housing history does not meet guidelines. Per XXX - Rent free is not allowed. Borrower had been living with parents rent free for XX yrs per LOX on pg.XXX. Lender did not acknowledge on the Credit Risk Summary and Exception Approval. | Change severity of 'Housing history does not meet guidelines' from Material to Non-Material. X/XXXX - Received updated CRSE. Client acknowledges: Housing history requirements not met. Rent free is not allowed. Borrower had been living with parents rent free for XX yrs per LOX. Compensating factors - Credit Score XXX Reserves. Acknowledged by Client. Change status of 'Housing history does not meet guidelines' from Active to Acknowledged by Client. X/XXXX - Housing history does not meet guidelines. PerXXX- Rent free is not allowed. Borrower had been living with parents rent free for XX yrs per LOX on pg.XXX. Lender did not acknowledge on the Credit Risk Summary and Exception Approval. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XX years at job. | D | B | D | B | D | B | A | A | C | A | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | ||
| 2023010114 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Compliance | Charges ThatXXXnnot Increase Test | Change severity of 'Charges ThatXXXnnot Increase Test' from Material to Non-Material. This loan passed the charges thatXXXnnot increase test. (XX CFR XXX(e)(X)(i))The loan contains charges that do not exceed the good faith determination according to XXX(e)(X)(i).Please see the Tolerance Comparison Table that displays the Charges ThatXXXnnot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under XXX(e)(X)(i). This loan failed the charges thatXXXnnot increase test. (XX CFR XXX(e)(X)(i))The loan contains charges that exceed the good faith determination according to XXX(e)(X)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is X,XXX.Please see the Tolerance Comparison Table that displays the Charges ThatXXXnnot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under XXX(e)(X)(i). | This loan passed the charges thatXXXnnot increase test. (XX CFR XXX(e)(X)(i))The loan contains charges that do not exceed the good faith determination according to XXX(e)(X)(i).Please see the Tolerance Comparison Table that displays the Charges ThatXXXnnot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under XXX(e)(X)(i). This loan failed the charges thatXXXnnot increase test. (XX CFR XXX(e)(X)(i))The loan contains charges that exceed the good faith determination according to XXX(e)(X)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is XX,XXX.Please see the Tolerance Comparison Table that displays the Charges ThatXXXnnot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under XXX(e)(X)(i). | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XX years at job. | D | B | D | A | D | B | A | A | C | A | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | ||
| 2023010114 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Compliance | Charges That In TotalXXXnnot Increase More Than Test | This loan passed the charges that in totalXXXnnot increase more than XX test. (XX CFR XXX(e)(X)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges were in good faith according to XXX(e)(X)(ii). The final charges that in totalXXXnnot increase more than XX (XXX) do not exceed the comparable charges (XXX) by more than XX. Please see the table that displays the Charges ThatXXXnnot Increase More Than XX 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 XXX(e)(X)(i) by more than XX 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 XXX(e)(X)(vi). This loan failed the charges that in totalXXXnnot increase more than XX test. (XX CFR XXX(e)(X)(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 XXX(e)(X)(ii). The final charges that in totalXXXnnot increase more than XX (X,XXX) exceed the comparable charges (XX) by more than XX. Please see the table that displays the Charges ThatXXXnnot Increase More Than XX 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 XXX(e)(X)(i) by more than XX 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 XXX(e)(X)(vi). | This loan passed the charges that in totalXXXnnot increase more than XX test. (XX CFR XXX(e)(X)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges were in good faith according to XXX(e)(X)(ii). The final charges that in totalXXXnnot increase more than XX (XXX) do not exceed the comparable charges (XXX) by more than XX. Please see the table that displays the Charges ThatXXXnnot Increase More Than XX 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 XXX(e)(X)(i) by more than XX 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 XXX(e)(X)(vi). This loan failed the charges that in totalXXXnnot increase more than XX test. (XX CFR XXX(e)(X)(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 XXX(e)(X)(ii). The final charges that in totalXXXnnot increase more than XX (X,XXX) exceed the comparable charges (XX) by more than XX. Please see the table that displays the Charges ThatXXXnnot Increase More Than XX 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 XXX(e)(X)(i) by more than XX 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 XXX(e)(X)(vi). | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XX years at job. | D | B | D | A | D | B | A | A | C | A | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | ||
| 2023010114 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Compliance | Consummation or Reimbursement Date Validation Test | This compliance test 'Consummation or Reimbursement Date Validation Test' is no longer tested 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 reimbursementXXXlculations. | This compliance test 'Consummation or Reimbursement Date Validation Test' is no longer tested 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 reimbursementXXXlculations. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XX years at job. | D | B | D | A | D | B | A | A | C | A | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | ||
| 2023010114 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Compliance | Initial Loan Estimate Delivery Date Test (from application) | This loan passed the initial loan estimate delivery date test (from application).( XX CFR XXX(e)(X)(iii)(A) )The initial loan estimate delivery date is not later than the third business day (counting days on which the creditor's offices are open to the public forXXXrrying on substantially all of its business functions) after the creditor or broker receives the consumer's written application.ThisXXXlculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open forXXXrrying on substantially all of its business functions, as described in §XXX(a)(X) and as it relates to XXX(e)(X)(iii)(A) (initial loan estimate disclosure three business days after application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:As not being open on SundayPLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, ComplianceAnalyzerXXXlculations will presume the company's offices are closed to the public forXXXrrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict.The creditor shall deliver or place in the mail the disclosures required under XXX(e)(X)(i) (provision of loan estimate form) not later than the third business day after the creditor receives the consumer's application. This loan passed the initial loan estimate delivery date test (from application).( XX CFR XXX(e)(X)(iii)(A) )The initial loan estimate delivery date is not later than the third business day (counting days on which the creditor's offices are open to the public forXXXrrying on substantially all of its business functions) after the creditor or broker receives the consumer's written application.ThisXXXlculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open forXXXrrying on substantially all of its business functions, as described in §XXX(a)(X) and as it relates to XXX(e)(X)(iii)(A) (initial loan estimate disclosure three business days after application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:NoneThe creditor shall deliver or place in the mail the disclosures required under XXX(e)(X)(i) (provision of loan estimate form) not later than the third business day after the creditor receives the consumer's application. This loan failed the initial loan estimate delivery date test (from application) due to one of the following: ( XX CFR XXX(e)(X)(iii)(A) )The initial loan estimate delivery date is later than the third business day (counting days on which the creditor's offices are open to the public forXXXrrying on substantially all of its business functions) after the creditor or broker receives the consumer's written application.Therefore, if additional disclosures are entered into ComplianceAnalyzer, any values that would change under a valid changed circumstance if the initial loan estimate had been delivered timely, will not reset the baseline for tolerance purposes. The comparable fees for this loan will be X, regardless of the actual values on the disclosure.ThisXXXlculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open forXXXrrying on substantially all of its business functions, as described in §XXX(a)(X) and as it relates to XXX(e)(X)(iii)(A) (initial loan estimate disclosure three business days after application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:As not being open on SundayPLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, ComplianceAnalyzerXXXlculations will presume the company's offices are closed to the public forXXXrrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict.The creditor shall deliver or place in the mail the disclosures required under XXX(e)(X)(i) (provision of loan estimate form) not later than the third business day after the creditor receives the consumer's application. | This loan passed the initial loan estimate delivery date test (from application).( XX CFR XXX(e)(X)(iii)(A) )The initial loan estimate delivery date is not later than the third business day (counting days on which the creditor's offices are open to the public forXXXrrying on substantially all of its business functions) after the creditor or broker receives the consumer's written application.ThisXXXlculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open forXXXrrying on substantially all of its business functions, as described in §XXX(a)(X) and as it relates to XXX(e)(X)(iii)(A) (initial loan estimate disclosure three business days after application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:NoneThe creditor shall deliver or place in the mail the disclosures required under XXX(e)(X)(i) (provision of loan estimate form) not later than the third business day after the creditor receives the consumer's application. This loan failed the initial loan estimate delivery date test (from application) due to one of the following: ( XX CFR XXX(e)(X)(iii)(A) )The initial loan estimate delivery date is later than the third business day (counting days on which the creditor's offices are open to the public forXXXrrying on substantially all of its business functions) after the creditor or broker receives the consumer's written application.Therefore, if additional disclosures are entered into ComplianceAnalyzer, any values that would change under a valid changed circumstance if the initial loan estimate had been delivered timely, will not reset the baseline for tolerance purposes. The comparable fees for this loan will be X, regardless of the actual values on the disclosure.ThisXXXlculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open forXXXrrying on substantially all of its business functions, as described in §XXX(a)(X) and as it relates to XXX(e)(X)(iii)(A) (initial loan estimate disclosure three business days after application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:As not being open on SundayPLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, ComplianceAnalyzerXXXlculations will presume the company's offices are closed to the public forXXXrrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict.The creditor shall deliver or place in the mail the disclosures required under XXX(e)(X)(i) (provision of loan estimate form) not later than the third business day after the creditor receives the consumer's application. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XX years at job. | D | B | D | A | D | B | A | A | C | A | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | ||
| 2023010114 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Compliance | Reimbursement Amount Test | This loan failed the reimbursement amount test. (XX CFR XXX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances and the provided reimbursement amount of XX, is not sufficient to reimburse the consumer the amount by which the tolerances were exceeded, X,XXX.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under XXX(e)(X)(i) or (ii), the creditor complies with XXX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation, and the creditor complies with XXX if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XX days after consummation. This loan passed the reimbursement amount test. (XX CFR XXX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances. However, the provided reimbursement amount of XX, is sufficient to reimburse the consumer the amount by which the tolerances were exceeded, XX.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under XXX(e)(X)(i) or (ii), the creditor complies with XXX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation, and the creditor complies with XXX if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XX days after consummation. | This loan passed the reimbursement amount test. (XX CFR XXX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances. However, the provided reimbursement amount of XX, is sufficient to reimburse the consumer the amount by which the tolerances were exceeded, XX.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under XXX(e)(X)(i) or (ii), the creditor complies with XXX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation, and the creditor complies with XXX if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XX days after consummation. This loan failed the reimbursement amount test. (XX CFR XXX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances and the provided reimbursement amount of XX, is not sufficient to reimburse the consumer the amount by which the tolerances were exceeded, XX,XXX.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under XXX(e)(X)(i) or (ii), the creditor complies with XXX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation, and the creditor complies with XXX if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XX days after consummation. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XX years at job. | D | B | D | A | D | B | A | A | C | A | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | ||
| 2023010114 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Compliance | RESPA Homeownership Counseling Organizations Disclosure Date Test | This loan passed the homeownership counseling organizations disclosure date test. ( XX CFR XXX(a) )The loan has a homeownership counseling organizations disclosure date that is within three business days of the loan originator's application date, and the homeownership counseling organizations disclosure date is on or before the closing date.Not later than three business days after a lender, mortgage broker, or dealer receives an application, or information sufficient to complete an application, the lender must provide the loan applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. The list of homeownership counseling organizations distributed to each loan applicant under this section shall be obtained no earlier than XX days prior to the time when the list is provided to the loan applicant from either:(X)The website maintained by the Bureau for lenders to use in complying with the requirements of this section or(X)Data made available by the Bureau or HUD for lenders to use in complying with the requirements of this section, provided that the data is used in accordance with instructions provided with the data.ThisXXXlculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open forXXXrrying on substantially all of its business functions, as described in §XXX(b) and as it relates to XXX (list of homeownership counseling organizations provided not later than X business days after a loan originator receives an application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:As not being open on SundayPLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, ComplianceAnalyzerXXXlculations will presume the company's offices are closed to the public forXXXrrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict.Please note: This test does not validate the content of any list of homeownership counseling organizations. This loan passed the homeownership counseling organizations disclosure date test. ( XX CFR XXX(a) )The loan has a homeownership counseling organizations disclosure date that is within three business days of the loan originator's application date, and the homeownership counseling organizations disclosure date is on or before the closing date.Not later than three business days after a lender, mortgage broker, or dealer receives an application, or information sufficient to complete an application, the lender must provide the loan applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. The list of homeownership counseling organizations distributed to each loan applicant under this section shall be obtained no earlier than XX days prior to the time when the list is provided to the loan applicant from either:(X)The website maintained by the Bureau for lenders to use in complying with the requirements of this section or(X)Data made available by the Bureau or HUD for lenders to use in complying with the requirements of this section, provided that the data is used in accordance with instructions provided with the data.ThisXXXlculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open forXXXrrying on substantially all of its business functions, as described in §XXX(b) and as it relates to XXX (list of homeownership counseling organizations provided not later than X business days after a loan originator receives an application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:NonePlease note: This test does not validate the content of any list of homeownership counseling organizations. This loan failed the homeownership counseling organizations disclosure date test due to the following findings: ( XX CFR XXX(a) )The loan has a homeownership counseling organizations disclosure date that is not within three business days of the loan originator's application date (or the date creditor received application if loan originator's application date is not provided) orThe homeownership counseling organizations disclosure date is after the closing date.Not later than three business days after a lender, mortgage broker, or dealer receives an application, or information sufficient to complete an application, the lender must provide the loan applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. The list of homeownership counseling organizations distributed to each loan applicant under this section shall be obtained no earlier than XX days prior to the time when the list is provided to the loan applicant from either:(X)The website maintained by the Bureau for lenders to use in complying with the requirements of this section or(X)Data made available by the Bureau or HUD for lenders to use in complying with the requirements of this section, provided that the data is used in accordance with instructions provided with the data.ThisXXXlculation take into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open forXXXrrying on substantially all of its business functions, as described in §XXX(b) and as it relates to XXX (list of homeownership counseling organizations provided not later than X business days after a loan originator receives an application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:As not being open on SundayPLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, ComplianceAnalyzerXXXlculations will presume the company's offices are closed to the public forXXXrrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict.Please note: This test does not validate the content of any list of homeownership counseling organizations. | This loan passed the homeownership counseling organizations disclosure date test. ( XX CFR XXX(a) )The loan has a homeownership counseling organizations disclosure date that is within three business days of the loan originator's application date, and the homeownership counseling organizations disclosure date is on or before the closing date.Not later than three business days after a lender, mortgage broker, or dealer receives an application, or information sufficient to complete an application, the lender must provide the loan applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. The list of homeownership counseling organizations distributed to each loan applicant under this section shall be obtained no earlier than XX days prior to the time when the list is provided to the loan applicant from either:(X)The website maintained by the Bureau for lenders to use in complying with the requirements of this section or(X)Data made available by the Bureau or HUD for lenders to use in complying with the requirements of this section, provided that the data is used in accordance with instructions provided with the data.ThisXXXlculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open forXXXrrying on substantially all of its business functions, as described in §XXX(b) and as it relates to XXX (list of homeownership counseling organizations provided not later than X business days after a loan originator receives an application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:NonePlease note: This test does not validate the content of any list of homeownership counseling organizations. This loan failed the homeownership counseling organizations disclosure date test due to the following findings: ( XX CFR XXX(a) )The loan has a homeownership counseling organizations disclosure date that is not within three business days of the loan originator's application date (or the date creditor received application if loan originator's application date is not provided) orThe homeownership counseling organizations disclosure date is after the closing date.Not later than three business days after a lender, mortgage broker, or dealer receives an application, or information sufficient to complete an application, the lender must provide the loan applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. The list of homeownership counseling organizations distributed to each loan applicant under this section shall be obtained no earlier than XX days prior to the time when the list is provided to the loan applicant from either:(X)The website maintained by the Bureau for lenders to use in complying with the requirements of this section or(X)Data made available by the Bureau or HUD for lenders to use in complying with the requirements of this section, provided that the data is used in accordance with instructions provided with the data.ThisXXXlculation take into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open forXXXrrying on substantially all of its business functions, as described in §XXX(b) and as it relates to XXX (list of homeownership counseling organizations provided not later than X business days after a loan originator receives an application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:As not being open on SundayPLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, ComplianceAnalyzerXXXlculations will presume the company's offices are closed to the public forXXXrrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict.Please note: This test does not validate the content of any list of homeownership counseling organizations. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XX years at job. | D | B | D | A | D | B | A | A | C | A | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | ||
| 2023010213 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | XXX | Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010213 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |
XXX | Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010214 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | Hazard Insurance Coverage is Not Sufficient | Hazard insurance coverage of XXX is not sufficient. The subject loan amount is XXX XXX with the hazard insurance replacement coverage of No and estimated replacement value of XXXXX. | Hazard insurance coverage is XXX, the subject loan amount is XXX XXX with the hazard insurance replacement coverage of Yes and estimated replacement value of XXXXX. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XX years | C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2023010214 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |
XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XX years | C | A | A | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010116 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010116 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |
XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010216 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010216 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |
XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010118 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan ( XX CFR XXX(a)(X) )The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate by or more orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate by or more orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate by or more. | Change severity of 'Higher-Priced Mortgage Loan' from Material to Non-Material. Acknowledged Exception cleared. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | D | B | C | A | C | B | D | A | A | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | D | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | ||
| 2023010118 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |
XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | D | B | A | A | C | B | D | A | A | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | D | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||
| 2023010118 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Credit | Liquid Reserves are less than Guidelines Required | XXX: Please provide client exception. Min required reserves are X months borrower has XX and the Credit summary does not document an exception approval for this. The liquid reserves of XX months or XXX, are less than the Guidelines minimum required of XX or XXXXX. | Change severity of 'Liquid Reserves are less than Guidelines Required' from Material to Non-Material. XXX - Updated CRSE showing client acknowledged - Reserves: Requirement not met Actual Verified - X We are short reserves by one month. Borrower has excellent credit and mortgage history. Compensating factors - Qualifying credit score is XXX Mortgage and credit history is excellent. Exception acknowledged by client. Change status of 'Liquid Reserves are less than Guidelines Required' from Active to Acknowledged by Client. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | D | B | C | B | C | B | D | A | A | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | D | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | ||
| 2023010118 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | Third Party Valuation Product not Provided | Third Party Valuation Product in N/A, Loan amt <XXX Third Party Valuation Product not Provided to Support Origination Appraised Value within XX. | Third Party Valuation Product Provided Third Party Valuation Product not Provided to Support Origination Appraised Value within XX. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | D | B | D | A | C | B | D | A | A | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | D | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | ||
| 2023010119 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | Hazard Insurance Coverage is Not Sufficient | Hazard insurance coverage of XXXXX is not sufficient. The subject loan amount is XXXXX with the hazard insurance replacement coverage of No and estimated replacement value of XXX. | X/X/XX - A copy of the replacement cost estimateXXXs provided. Re-reviewed the original insurance policy - Policy states - Additional Replacement CostXXX Coverage - XXX. Exception cleared. &#xXD X/XX/XX - Hazard insurance coverage of XXXXX is not sufficient. The subject loan amount is XXXXX with the hazard insurance replacement coverage of No and estimated replacement value of XXX. |
XXX | Hazard insurance coverage is XXXXX, the subject loan amount is XXXXX with the hazard insurance replacement coverage of Yes and estimated replacement value of XXX. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXXX are greater than the Guideline Minimum of XX or XXX. Borrower has stable job time - Borrower has XX years at job. | C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2023010119 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |
XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXXXX are greater than the Guideline Minimum of XX or XXX. Borrower has stable job time - Borrower has XX years at job. | C | A | A | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010126 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |
XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. | C | A | A | A | A | A | C | A | A | A | C | A | C | A | C | A | C | A | C | A | C | A | C | A | C | A | C | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010126 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. | C | A | A | A | A | A | C | A | A | A | C | A | C | A | C | A | C | A | C | A | C | A | C | A | C | A | C | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010126 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Property | Third Party Valuation Product not Provided. | Per Lender Guidelines, Not Applicable | Third Party Valuation Product Provided | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. | C | A | C | A | A | A | C | A | A | A | C | A | C | A | C | A | C | A | C | A | C | A | C | A | C | A | C | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2023010217 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | XXX | Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010217 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |
XXX | Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010127 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |
XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXX are greater than the Guideline Minimum of XX or XXX. Borrower has stable job time - Borrower has XX years at job. | D | A | A | A | C | A | D | A | A | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010127 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | InsufficientXXXsh to close. | Cash to close in the amount of XXX is greater than the available asset amount of XX. SufficientXXXsh to close is documented.XXXsh to close in the amount of XXX is greater than the available asset amount of XXX. | X/XXX - Received final CD for property - XXX NE XXth Ave #X. Per LOE in file - property #X is aXXXsh-Out Refi (covering costs for closing of property #X). Updating assets to reflect this information - clearing exception. | XXX | SufficientXXXsh to close is documented. SufficientXXXsh to close is documented. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower has stable job time - Borrower has XX years at job. | D | A | C | A | C | A | D | A | A | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2023010127 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | Liquid Reserves are less than Guidelines Required | The liquid reserves of -XXX months or -XXX, are less than the Guidelines minimum required of XX or XXX. Net Proceeds from simulatneous loan closing used as reserves but Final CD not provided | X/XXX - Received final CD for property - XXX NE XXth Ave #X. Per LOE in file - property #X is aXXXsh-Out Refi (covering costs for closing of property #X). Updating assets to reflect this information - clearing exception. | XXX | The liquid reserves of XXX months or XXXX, is greater than or equal to the Guidelines minimum required of XX or XXX. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower has stable job time - Borrower has XX years at job. | D | A | C | A | C | A | D | A | A | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2023010127 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | Third Party Valuation Product Not Provided and FHLMC Collateral Rep & Warrant Relief is Not Eligible or Unavailable. | Third Party Valuation Product Not Provided and XXX Collateral Rep & Warrant Relief is Not Eligible. Per guidelines, XXX not required. CU Score is X. Exception cleared. | Third Party Valuation Product Provided. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXX are greater than the Guideline Minimum of XX or XXX. Borrower has stable job time - Borrower has XX years at job. | D | A | D | A | C | A | D | A | A | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2023010120 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | Third Party Valuation Product Not Provided and FHLMC Collateral Rep &XXXrrant Relief is Not Eligible or Unavailable. | Third Party Valuation Product Not Provided and XXX Collateral Rep &XXXrrant Relief is Not Eligible. Per Lender Guidelines, not applicable. Exception cleared. | Per LendersXXXTPV not required. | Per Lender Guidelines, not applicable. Exception cleared.Third Party Valuation Product Not Provided and FHLMC Collateral Rep &XXXrrant Relief is Not Eligible. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. | D | B | C | A | C | B | D | A | C | A | D | C | D | C | D | C | D | C | D | C | D | C | D | C | D | C | D | C | D | C | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |
| 2023010120 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Credit | Borrower Employment Verification does not meet guidelines | Guidelines for Business Bank Statements state in section XX (pg XX) To be Eligible under the business bank statement program borrowers must have at least XX ownership in the business. Borrower only has XX ownership. |
Client provided exception approval. | Change severity of 'Borrower Employment Verification does not meet guidelines' from Material to Non-Material. X/X/XX - Credit Risk Summary & Exception Approval received. Client acknowledges - Income: XX Owner. Borrower is XXX owner of business used to qualify and XX of LLC not used. Exception given for below XX ownership. Compensating factors: Credit Score - Qualifying Credit Score is XXX DTI - XXX (housing ratio) or XXX(total) Hosung pymt decrease - Monthly housing payment is changing by -XXX monthly LTV - Qualifying LTV is XXX Payment Shock - Qualifying Payment Shock is XXX Stable Employment History - Borrower with the same Employer/Business for X year. Client acknowledges exception. Change status of 'Borrower Employment Verification does not meet guidelines' from Active to Acknowledged by Client. X/X/XX - Guidelines for Business Bank Statements state in section XX (pg XX) To be Eligible under the business bank statement program borrowers must have at least XX ownership in the business. Borrower only has XX ownership. X/XX/XX - Guidelines for Business Bank Statements state in section XX (pg XX) To be Eligible under the business bank statement program borrowers must have at least XX ownership in the business. Borrower only has XX ownership. |
XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. | D | B | C | B | C | B | D | A | C | A | D | C | D | C | D | C | D | C | D | C | D | C | D | C | D | C | D | C | D | C | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |
| 2023010120 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | Initial Closing Disclosure Delivery Date Test | XXXInitial CD XXX- Per Disclosure Tracking Summary. This loan failed the initial closing disclosure delivery date test due to one of the following findings:( XX CFR XXX(f)(X)(ii) )The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"XXX" or "XXX" or blank, and the initial closing disclosure delivery date is less than six business days (counting allXXXlendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction or"In Person" and the initial closing disclosure delivery date is less than three business days (counting allXXXlendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting allXXXlendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph XXX no later than three business days before consummation. | X/X/XX - Initial CD dated XX/X/XX received. Updating loan. &#xXD X/XX/XX - XXXInitial CD XXX- Per Disclosure Tracking Summary. |
XXX | This loan passed the initial closing disclosure delivery date test.( XX CFR XXX(f)(X)(ii) )The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"XXX" or "XXX" or blank, and the initial closing disclosure delivery date is not less than six business days (counting allXXXlendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction or"In Person" and the initial closing disclosure delivery date is not less than three business days (counting allXXXlendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is not less than three business days (counting allXXXlendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction.The creditor shall ensure that the consumer receives the disclosures required under paragraph XXX no later than three business days before consummation. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. | D | B | C | A | C | B | D | A | C | A | D | C | D | C | D | C | D | C | D | C | D | C | D | C | D | C | D | C | D | C | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A |
| 2023010129 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXX are greater than the Guideline Minimum of XX or XXX. Borrower has stable job time - Borrower has XX years at job. | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010129 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |
XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXX are greater than the Guideline Minimum of XX or XXX. Borrower has stable job time - Borrower has XX years at job. | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010218 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | Third Party Valuation Product Not Provided and FHLMC Collateral Rep &XXXrrant Relief is Not Eligible or Unavailable. | Per guidelines, XXX not required. CU Score is X. Excepetion cleared. Third Party Valuation Product Not Provided and XXX Collateral Rep &XXXrrant Relief is Not Eligible. | Per Lender G/L TPV not required | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXX are greater than the Guideline Minimum of XX or XXX. Borrower has stable job time - Borrower has XX years at job. | D | A | D | A | A | A | D | A | D | A | D | A | D | D | D | A | D | D | D | A | D | D | D | A | D | D | D | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2023010218 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXX are greater than the Guideline Minimum of XX or XXX. Borrower has stable job time - Borrower has XX years at job. | D | A | A | A | A | A | D | A | D | A | D | A | D | D | D | A | D | D | D | A | D | D | D | A | D | D | D | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010218 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | eSigned Documents Consent is Missing | The eSigned documents consent is Missing. | X/XXXX - Received LOX. Borrower wet signed all documents. eSigned Consent is not applicable. Exception cleared. | XXX | The eSigned documents consent is Not Applicable. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower has stable job time - Borrower has XX years at job. | D | A | D | A | A | A | D | A | D | A | D | A | D | D | D | A | D | D | D | A | D | D | D | A | D | D | D | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2023010218 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | The file does not contain a complete copy of the Loan Estimate. Unable to fully test for TRID tolerance. | The file does not contain a complete copy of the Loan Estimate. Unable to fully test for TRID tolerance. | X/XXXX - Received LE dated XXX. Exception cleared. | XXX | The file does contain at least one copy of a Loan Estimate. The file contains a complete copy of at least one Loan Estimate. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower has stable job time - Borrower has XX years at job. | D | A | D | A | A | A | D | A | D | A | D | A | D | D | D | A | D | D | D | A | D | D | D | A | D | D | D | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2023010219 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | C | A | A | A | A | A | A | A | C | A | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010219 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | XXXCredit Regulations Mortgage Loan DTI Provided Test | This loan failed the DTI provided test. ( §XX- XX-XXX, XX-XXX, XX-XXX ) The loan is a mortgage loan or secondary mortgage loan and the debt-to-income (DTI) ratio of the borrower was not provided. The DTI ratio is one of several factors that should be considered when determining the borrower's repayment ability. PLEASE NOTE: This result is not a determination that the lender or credit grantor analyzed the borrower's ability to repay a mortgage loan based on Chapter X (SB XXX) or Chapter X (HBXXX). See XXXCredit Regulations Repayment Ability Alert (below) for full repayment ability requirements. |
This loan passed the DTI provided test. ( XXXSBXXX/HB Md. Code Ann., Com. Law II §XX- XX-XXX, XX-XXX, XX-XXX ) The loan is a mortgage loan or secondary mortgage loan and the debt-to-income (DTI) ratio of the borrower was provided. The DTI ratio is one of several factors that should be considered when determining the borrower's repayment ability. PLEASE NOTE: This result is not a determination that the lender or credit grantor analyzed the borrower's ability to repay a mortgage loan based on Chapter X (SB XXX) or Chapter X (HBXXX). See XXXCredit Regulations Repayment Ability Alert (below) for full repayment ability requirements. |
XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | C | A | C | A | A | A | A | A | C | A | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2023010220 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Credit | Transmittal Summary is Missing | The transmittal summary is Missing | X/XXXX - Final XXX received. Exception cleared. | XXX | The transmittal summary is Present | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2023010220 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |
XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | D | A | A | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010221 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | Borrower 2 Income Verification is less than 12 months | Borrower X Income Verification of XX is less than XX months. NA no income used for BX Borrower X Income Verification of ___ is greater than XX months. Change severity of 'Borrower X Income Verification is less than XX months' from Material to Non-Material. Borrower X Income Verification of XX is less than XX months. Not using income for Co Borrower | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXXX. Borrower X has significant job time - Borrower has XX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XXX years at job. | C | B | C | A | C | B | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||
| 2023010222 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010222 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |
XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010223 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Credit | Borrower Employment Verification does not meet guidelines | Change status of 'Borrower Employment Verification does not meet guidelines' from Active to Acknowledged by Client. Change severity of 'Borrower Employment Verification does not meet guidelines' from Material to Non-Material. corrected Lender approved X year X months employment citing reserves of XXX months, residual income of XXX per month, and a decrease in the payment of XXX | Client provided exception approval. | Change status of 'Borrower Employment Verification does not meet guidelines' from Active to Acknowledged by Client. Change severity of 'Borrower Employment Verification does not meet guidelines' from Material to Non-Material. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XX years | C | B | C | B | C | B | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |
| 2023010223 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |
XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XX years | C | B | A | A | C | B | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||
| 2023010224 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | XXX | Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has stable job time - Borrower has XX years at job. | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010224 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |
XXX | Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has stable job time - Borrower has XX years at job. | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010225 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | Third Party AVM to appraised value exceeds allowable variance | Third party AVM value of XXXX with a variance of XXX exceeds XX allowable variance. AVM has confidence score of XX. Require additional valuation to support origination value used. | Secondary Product Provided | XXX | Exception resolved | XXX | Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | D | A | C | A | C | A | D | A | A | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2023010225 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |
XXX | Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | D | A | A | A | C | A | D | A | A | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010225 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | Residual income does not meet guidelines. | Residual income of XXXX does not meet minimum guidelines. | Received CRSE | Residual income meets guidelines. X/XXXX - Received CRSE. CRSE does not provide client acknowledgment of Residual Income not meetingXXX Requirements. Please provide full acknowledgment on the CRSE (in the Exception Logging section) to resolve the exception. Residual income of XXXX does not meet minimum guidelines. |
XXX | Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | D | A | C | A | C | A | D | A | A | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2023010225 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | Third Party Valuation Product Not Provided | Third Party Valuation Product Not Provided and CU Score is XX. | Third Party Valuation Product Provided. Per guidelines, TPV not required. LTV <XX. Exception cleared. | XXX | Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | D | A | D | A | C | A | D | A | A | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2023010226 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Credit | Liquid Reserves are less than Guidelines Required | Change status of 'Liquid Reserves are less than Guidelines Required' from Active to Acknowledged by Client. Change severity of 'Liquid Reserves are less than Guidelines Required' from Material to Non-Material. Lender approved short reserves citing residual income of XX,XXX per month and the LTV XX below the program max. The liquid reserves of XX months or XXX, are less than the Guidelines minimum required of XX or XXX. | Client provided exception approval | XXX | Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | C | B | C | B | C | B | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | ||
| 2023010226 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |
XXX | Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | C | B | A | A | C | B | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||
| 2023010227 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | XXX | Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XXX years | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010227 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |
XXX | Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XXX years | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010228 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | XXX | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXXX are greater than the Guideline Minimum of XX or XXXX. Borrower has more than X years at current residence - Borrower at current residence XX years | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010228 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |
XXX | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXXX are greater than the Guideline Minimum of XX or XXXX. Borrower has more than X years at current residence - Borrower at current residence XX years | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010229 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | XXX | Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XXX years | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010229 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |
XXX | Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XXX years | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010315 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan ( XX CFR XXX(a)(X) )The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate by or more orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate by or more orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate by or more. | Escrow account established, and appraisal receipt acknowledged within X days. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXXX. Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. | D | B | C | B | A | A | D | A | C | B | D | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | ||
| 2023010315 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXXX. Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. | D | B | A | A | A | A | D | A | C | B | D | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |||
| 2023010315 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | Consummation or Reimbursement Date Validation Test | 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 reimbursementXXXlculations. | Received PCCD w/ letter, Refund Check in the amount of XX. Updating loan accordingly. | XXX | This compliance test 'Consummation or Reimbursement Date Validation Test' is no longer tested | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. | D | B | C | A | A | A | D | A | C | B | D | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B |
| 2023010315 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | Charges ThatXXXnnot Increase Test | This loan failed the charges thatXXXnnot increase test. (XX CFR XXX(e)(X)(i))The loan contains charges that exceed the good faith determination according to XXX(e)(X)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is XX.Please see the Tolerance Comparison Table that displays the Charges ThatXXXnnot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under XXX(e)(X)(i). Tolerance violation due to an increase in the appraisal fee from XXX to XXX without a valid COC in file. | Received PCCD w/ letter, Refund Check in the amount of XX. Updating loan accordingly. Tolerance violation due to an increase in the appraisal fee from XXX to XXX without a valid COC in file. | XXX | This loan passed the charges thatXXXnnot increase test. (XX CFR XXX(e)(X)(i))The loan contains charges that do not exceed the good faith determination according to XXX(e)(X)(i).Please see the Tolerance Comparison Table that displays the Charges ThatXXXnnot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under XXX(e)(X)(i). | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. | D | B | C | A | A | A | D | A | C | B | D | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B |
| 2023010315 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | Reimbursement Amount Test | This loan failed the reimbursement amount test. (XX CFR XXX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances and the provided reimbursement amount of XX, is not sufficient to reimburse the consumer the amount by which the tolerances were exceeded, XX,XXX.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under XXX(e)(X)(i) or (ii), the creditor complies with XXX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation, and the creditor complies with XXX if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XX days after consummation. | Received PCCD w/ letter, Refund Check in the amount of XX. Updating loan accordingly. | XXX | This loan passed the reimbursement amount test. (XX CFR XXX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances. However, the provided reimbursement amount of XX, is sufficient to reimburse the consumer the amount by which the tolerances were exceeded, XX.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under XXX(e)(X)(i) or (ii), the creditor complies with XXX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation, and the creditor complies with XXX if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XX days after consummation. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. | D | B | C | A | A | A | D | A | C | B | D | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B |
| 2023010271 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |
XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | C | A | A | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010271 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | Borrower Income Verification does not match Approval | The borrower income verification does not match approval. The incomeXXXlclation sheet indicates the expiration date of the income is Feb Xst, XXX. The most recent XXX and the loan closed X/XXXX | The borrower income verification does match approval | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2023010289 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan ( XX CFR XXX(a)(X) )The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate by or more orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate by or more orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate by or more. | Change severity of 'Higher-Priced Mortgage Loan' from Material to Non-Material. Escrow account established, and appraisal receipt acknowledged within X days. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. | C | B | C | B | C | B | A | A | C | B | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | ||
| 2023010289 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Credit | Payment shock exceeds lender guidelines | Change status of 'Payment shock exceeds lender guidelines' from Active to Acknowledged by Client. Lender approved the payment shock exception because the property was owned XXX. Compensating factors are XXX DTI, XX months reserves and XXX residual monthly income. Payment shock of XXX exceeds the lender guidelines tolerance for payment shock. |
Change severity of 'Payment shock exceeds lender guidelines' from Material to Non-Material. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. | C | B | C | B | C | B | A | A | C | B | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | ||
| 2023010289 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | TX Constitution A6 Required Fees Test | This loan failed the required fees test. (Texas Constitution, Article XX, Section XX (a)(X)(E) &amp (t)(X), asXXX. XXX)The loan requires the borrower(s) to pay, in addition to interest, fees to any person that are necessary to originate, evaluate, maintain, record, insure, or service the extension of credit that exceed X of the original principal amount, excluding fees for:An appraisal performed by a third party appraiserA property survey performed by a state registered or licensed surveyorA state base premium for a mortgagee policy of title insurance with endorsements established in accordance with state law, or a title examination report if its cost is less than the state base premium for a mortgagee policy of title insurance without endorsements established in accordance with state law. | Updated the discount points to XXXFide - exception cleared. | This loan passed the required fees test. (Texas Constitution, Article XX, Section XX (a)(X)(E) &amp (t)(X), asXXX. XXX)The loan requires the borrower(s) to pay, in addition to interest or any XXXfide discount points used to buy down the interest rate, any fees to any person that are necessary to originate, evaluate, maintain, record, insure, or service the extension of credit that do not exceed X of the original principal amount, excluding fees for:An appraisal performed by a third party appraiserA property survey performed by a state registered or licensed surveyorA state base premium for a mortgagee policy of title insurance with endorsements established in accordance with state law, or a title examination report if its cost is less than the state base premium for a mortgagee policy of title insurance without endorsements established in accordance with state law. Updated the discount points to XXXFide - exception cleared. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. | C | B | C | A | C | B | A | A | C | B | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | |
| 2023010230 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XX years at job. | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010230 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |
XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XX years at job. | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010231 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has stable job time - Borrower has XX years at job. | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010231 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |
XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has stable job time - Borrower has XX years at job. | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010232 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Property | Third party AVM Confidence Score is less than XXX | Third party AVM Confidence Score of XXX is less than XX. | XXX | Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XX years | D | A | D | A | A | A | D | A | A | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010232 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |
XXX | Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XX years | D | A | A | A | A | A | D | A | A | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010232 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | XXX | Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XX years | D | A | A | A | A | A | D | A | A | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010232 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Property | Third Party Valuation Product not Provided | Third Party Valuation Product Provided Third Party Valuation Product not Provided to Support Origination Appraised Value within XX. | Third Party Valuation Product Provided Third Party Valuation Product not Provided to Support Origination Appraised Value within XX. | XXX | Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XX years | D | A | D | A | A | A | D | A | A | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2023010233 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | XXX | Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XXX years at job. | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010233 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |
XXX | Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XXX years at job. | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010234 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | XXX | Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XXX years | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010234 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |
XXX | Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XXX years | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010235 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Property | Third Party Valuation Product Not Provided and CU Score is Greater Than XXX | Third Party Valuation Product Not Provided and CU Score is XX. | Per LenderXXXTPV not required | Per Lender Guidelines, not applicable loan amount is less than XXX and FHLMC is Eligible. Exception cleared. | XXX | Original LTV is Below the Guideline Maximum -XXXlculated LTV of XX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of XX is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XXX years | D | A | D | A | A | A | D | A | A | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2023010235 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | XXX | Original LTV is Below the Guideline Maximum -XXXlculated LTV of XX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of XX is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XXX years | D | A | A | A | A | A | D | A | A | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010235 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |
XXX | Original LTV is Below the Guideline Maximum -XXXlculated LTV of XX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of XX is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XXX years | D | A | A | A | A | A | D | A | A | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010236 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010236 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |
XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010237 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | Third Party Valuation Product Not Provided and FHLMC Collateral Rep &XXXrrant Relief is Not Eligible or Unavailable. | Per guidlines, XXX not required. CU Score is X. Exception cleared. Third Party Valuation Product Not Provided and XXX Collateral Rep &XXXrrant Relief is Not Eligible. | Per Lender G/L TPV not required | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXXX are greater than the Guideline Minimum of XX or XXX. Borrower has stable job time - Borrower has XX years at job. | D | A | D | A | A | A | D | A | A | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2023010237 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXXX are greater than the Guideline Minimum of XX or XXX. Borrower has stable job time - Borrower has XX years at job. | D | A | A | A | A | A | D | A | A | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010237 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |
XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXXX are greater than the Guideline Minimum of XX or XXX. Borrower has stable job time - Borrower has XX years at job. | D | A | A | A | A | A | D | A | A | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010243 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | Is Completion Certificate in file is No | The appraisalXXXs completed "Subject To" however, the file is XXXthe Completion Certificate. | Received Appraisal Update/Completion Report dated X/XXXX. Exception cleared. | The Completion Certificate is Yes | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XX years at job. | C | B | C | A | C | B | C | A | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |
| 2023010243 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Credit | Residual income does not meet guidelines. | Approved Exception for Residual Income <XXXX required by Guidelines, Residual income is slightly under XXXX. Great loan with X Compensating factors: Credit score is XXX, DTI XXX, Bwr with the same employment for XX years, Payment shock is X. Verified reserves are XX and LTV is XXX. Change severity of 'Residual income does not meet guidelines.' from Material to Non-Material. Change status of 'Residual income does not meet guidelines.' from Active to Acknowledged by Client. There was an exception for the residual income being X,XXX. The guidelines require X,XXX. The original underwriter used the following compensating factors: X. Credit score of XXX X. Borrower same employment for XX years X. LTV is XXX X. Payment shoch is .XXX X. The debt ratio of XXX is lower than the guidelines - XX. |
XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XX years at job. | C | B | C | B | C | B | C | A | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||
| 2023010243 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |
XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XX years at job. | C | B | A | A | C | B | C | A | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||
| 2023010238 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | Third Party Valuation Product Not Provided and FHLMC Collateral Rep &XXXrrant Relief is Not Eligible or Unavailable. | Third Party Valuation Product Not Provided and XXX Collateral Rep &XXXrrant Relief is Not Eligible. | Per LenderXXXTPV not required | Per Lender Guidelines, not applicable loan amount is less than XXX and CU score is XX. Exception cleared. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. | D | A | D | A | A | A | D | A | B | A | D | A | D | B | D | A | D | B | D | A | D | B | D | A | D | B | D | A | D | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2023010238 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. | D | A | A | A | A | A | D | A | B | A | D | A | D | B | D | A | D | B | D | A | D | B | D | A | D | B | D | A | D | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010238 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | Mortgage not recorded | No evidence Mortgage is recorded or sent for recording. | Mortgage is recorded | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. | D | A | B | A | A | A | D | A | B | A | D | A | D | B | D | A | D | B | D | A | D | B | D | A | D | B | D | A | D | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2023010244 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | Third Party Valuation Product Not Provided and CU Score is Greater Than XXX | Third Party Valuation Product Not Provided and CU Score is XX. Exception reviewed and meets guidelines requirements. Cleared. | Per Lender Guidelines, not applicable loan amount is less than XXX andXXXsh out is less than XXX. Exception cleared. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has stable job time - Borrower has XX years at job. | D | A | D | A | A | A | D | A | A | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2023010244 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has stable job time - Borrower has XX years at job. | D | A | A | A | A | A | D | A | A | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010244 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |
XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has stable job time - Borrower has XX years at job. | D | A | A | A | A | A | D | A | A | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010132 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | XXX | Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010132 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |
XXX | Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010245 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | Third Party Valuation Product Not Provided and FHLMC Collateral Rep &XXXrrant Relief is Not Eligible or Unavailable. | Third Party Valuation Product Not Provided and XXX Collateral Rep &XXXrrant Relief is Not Eligible. | Per LenderXXXTPV not required | Per Lender Guidelines, not applicable loan amount is less than XXX and CU score is X. Exception cleared. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. | D | A | D | A | A | A | D | A | C | A | D | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2023010245 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. | D | A | A | A | A | A | D | A | C | A | D | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010245 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | Consummation or Reimbursement Date Validation Test | Recording Fees increased from XXX to XXX on final Closing Disclosure, No COC in file or proof a refundXXXs issued | Received PCCD | This compliance test 'Consummation or Reimbursement Date Validation Test' is no longer tested | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. | D | A | C | A | A | A | D | A | C | A | D | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2023010245 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | Charges That In TotalXXXnnot Increase More Than Test | Recording Fees increased from XXX to XXX on final Closing Disclosure, No COC in file or proof a refundXXXs issued | Received PCCD | This loan passed the charges that in totalXXXnnot increase more than XX test. (XX CFR XXX(e)(X)(ii))The loan contains third-party services that the consumerXXXs permitted to shop for and the charges were in good faith according to XXX(e)(X)(ii). The final charges that in totalXXXnnot increase more than XX (XXX) do not exceed the comparable charges (XXX) by more than XX. Please see the table that displays the Charges ThatXXXnnot Increase More Than XX 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 XXX(e)(X)(i) by more than XX 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 XXX(e)(X)(vi). This loan failed the charges that in totalXXXnnot increase more than XX test. (XX CFR XXX(e)(X)(ii))The loan contains third-party services that the consumerXXXs permitted to shop for and the charges exceed the good faith tolerance according to XXX(e)(X)(ii). The final charges that in totalXXXnnot increase more than XX (XXX) exceed the comparable charges (XXX) by more than XX. Please see the table that displays the Charges ThatXXXnnot Increase More Than XX 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 XXX(e)(X)(i) by more than XX 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 XXX(e)(X)(vi). | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. | D | A | C | A | A | A | D | A | C | A | D | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2023010245 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | Reimbursement Amount Test | Recording Fees increased from XXX to XXX on final Closing Disclosure, No COC in file or proof a refundXXXs issued | Received PCCD | This loan passed the reimbursement amount test. (XX CFR XXX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances. However, the provided reimbursement amount of XX, is sufficient to reimburse the consumer the amount by which the tolerances were exceeded, XX.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under XXX(e)(X)(i) or (ii), the creditor complies with XXX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation, and the creditor complies with XXX if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XX days after consummation. This loan passed the reimbursement amount test. (XX CFR XXX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances. However, the provided reimbursement amount of XX, is sufficient to reimburse the consumer the amount by which the tolerances were exceeded, XX.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under XXX(e)(X)(i) or (ii), the creditor complies with XXX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation, and the creditor complies with XXX if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XX days after consummation. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. | D | A | C | A | A | A | D | A | C | A | D | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2023010245 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | Reimbursement Date Test | This loan failed the reimbursement date test. (XX CFR XXX(f)(X)(v))The reimbursement date is more than XXXXlendar days after the consummation date, or closing / settlement date if no consummation dateXXXs provided.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under XXX(e)(X)(i) or (ii), the creditor complies with XXX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation. | Received PCCD | This loan passed the reimbursement date test. (XX CFR XXX(f)(X)(v))The reimbursement date is not more than XXXXlendar days after the consummation date, or closing / settlement date if no consummation dateXXXs provided.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under XXX(e)(X)(i) or (ii), the creditor complies with XXX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. | D | A | C | A | A | A | D | A | C | A | D | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2023010254 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | XXX | Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XX years | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010254 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |
XXX | Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XX years | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010239 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXXXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XX years | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010239 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |
XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXXXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XX years | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010240 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | Third Party Valuation Product Not Provided and FHLMC Collateral Rep & Warrant Relief is Not Eligible or Unavailable. | Third Party Valuation Product Not Provided and XXX Collateral Rep &Relief is Not Eligible. | Per Lender Guidelines, not applicable loan amount is less than XXX and CU score is X. Exception cleared. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. | D | B | D | A | C | B | D | A | A | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | D | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | ||
| 2023010240 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Credit | Payment shock exceeds lender guidelines | Lender requested and received a guideline exception for payment shock that exceeded max allowed XXX. Borrower is a XXX so the max allowed should be limited to XXX per guidelines. Need an updated CRS&EA reflecting the correct more conservative max limit is still an acceptable risk. Compensating factors shown for original granted exception are: qualifying credit score of XX months of reserves, residual income of and a qualifying LTV of XXX. Payment shock of XXX exceeds the lender guidelines tolerance for payment shock. ExceptionXXXs granted for this issue | Client provided exception approval. | Change severity of 'Payment shock exceeds lender guidelines' from Material to Non-Material. Client provided guideline exception allowing for payment shock based on XXX FICO, XX months reserves, residual income of XXX and XXX LTV. Change status of 'Payment shock exceeds lender guidelines' from Active to Acknowledged by Client. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. | D | B | C | B | C | B | D | A | A | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | D | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |
| 2023010240 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |
XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. | D | B | A | A | C | B | D | A | A | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | D | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||
| 2023010241 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | XXX | Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Borrower has more than X years at current residence - Borrower at current residence XX years | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010241 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |
XXX | Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Borrower has more than X years at current residence - Borrower at current residence XX years | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010246 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Credit | Hazard Insurance Coverage is Not Sufficient. | The replacement cost of the dwelling per the appraiser is XXX. Hazard coverage of XXX,XXX is sufficient. Exception cleared. Hazard insurance coverage of XXXXXX is not sufficent. The subject loan amount is XXXXXX with the hazard insurance replacement coverage of No and estimated replacement value from insurance company was not provided. | Hazard insurance coverage is sufficient. The replacement cost of the dwelling per the appraiser is XXX. Hazard coverage of XXX,XXX is sufficient. Exception cleared. | XXX | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXX are greater than the Guideline Minimum of XX or XXX. | C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2023010246 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Credit | Housing history does not meet guidelines | Housing history does not meet guidelines. Borrower does not own a primary residence. Borrower currently rent her primary residence. Housing delinquency meets guidelines. | Housing delinquency meets guidelines. | XXX | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXX are greater than the Guideline Minimum of XX or XXX. | C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2023010246 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |
XXX | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXX are greater than the Guideline Minimum of XX or XXX. | C | A | A | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010139 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |
XXX | Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XX years | D | A | A | A | A | A | D | A | A | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010139 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | XXX | Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XX years | D | A | A | A | A | A | D | A | A | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010139 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Property | Third Party Valuation Product Not Provided | Third Party Valuation Product Not Provided and CU Score is XX. | Received CDA - updated loan accordingly. Third Party Valuation Product Provided. | Received CDA - updated loan accordingly. Third Party Valuation Product Provided. | XXX | Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XX years | D | A | D | A | A | A | D | A | A | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2023010249 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |
XXX | Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | D | A | A | A | C | A | D | A | A | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010249 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | Housing history does not meet guidelines | Housing history does not meet guidelines. Guidelines require XXX. Mortgage statement on page XX is for borrower's current primary residence. Mortgage statement shows a monthly payment of X,XXX. However, statement dated XX/XX/ shows a total due of X,XXX. Housing history does not cover XX months. Housing history does not meet guidelines. |
X/XXX - Received LOX. Per guidelines on a Portfolio Select program - XX months of Housing History is required. Confirmed - XX months of housing history received. As for the amount state irrelevant. Exception cleared. | XXX | Housing delinquency meets guidelines. X/XXXX - Guidelines are XXX. Housing history does not match approval. Only XX months of housing history is in file. Additionally, borrower states mortgage payment had been XXX monthly with SLS. SLS is not on credit report. There is no proof of the payment amount to SLS. Or the status of that loan prior to the refinance on borrower's refinance of primary residence on X/XXXX. Guidelines are XXX. Housing history does not match approval. Only XX months of housing history is in file. Additionally, borrower states mortgage payment had been XXX monthly with SLS. SLS is not on credit report. There is no proof of the payment amount to SLS. Or the status of that loan prior to the refinance on borrower's refinance of primary residence on X/XXXX. | XXX | Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | D | A | C | A | C | A | D | A | A | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2023010249 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | Third Party Valuation Product Not Provided and FHLMC Collateral Rep & Warrant Relief is Not Eligible or Unavailable. | Third Party Valuation Product is required as XXX Collateral Rep & Warrant Relief is Not Eligible and loan amount is greater than XXX,XXX. | Third Party Valuation Product Provided. Per guidelines, TPV not required. CU Score is X. Exception cleared. | XXX | Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | D | A | D | A | C | A | D | A | A | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2023010249 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | Third Party Valuation Product not Provided | Third Party Valuation Product not Provided to Support Origination Appraised Value within XX. Third Party Valuation Product Provided | Third Party Valuation Product Provided Third Party Valuation Product not Provided to Support Origination Appraised Value within XX. | XXX | Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | D | A | D | A | C | A | D | A | A | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2023010255 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | XXX | Borrower has more than X years at current residence - Borrower at current residence XX years Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XX. | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010255 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |
XXX | Borrower has more than X years at current residence - Borrower at current residence XX years Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XX. | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010135 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | Third Party Valuation Product Not Provided and FHLMC Collateral Rep &XXXrrant Relief is Not Eligible or Unavailable. | Third Party Valuation Product Not Provided and XXX Collateral Rep &XXXrrant Relief is Not Eligible. | Per LenderXXXTPV not required | Per Lender Guidelines, not applicable. CU score is X. Exception cleared. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | D | B | C | A | C | B | D | A | A | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | D | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |
| 2023010135 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Credit | Liquid Reserves are less than Guidelines Required | The exceptionXXXiving the reserve requirement is on page XXX. The liquid reserves of XX months or XXX, are less than the Guidelines minimum required of XX or XXXXX. | Client provided exception approval | Change severity of 'Liquid Reserves are less than Guidelines Required' from Material to Non-Material. Change status of 'Liquid Reserves are less than Guidelines Required' from Active to Acknowledged by Client. Client provided guideline exception allowing for zero reserves based on XXX FICO, XXXXX DTI, Borrower in same business for XX years, XX,XXX in residual income and XXX - last XX months. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | D | B | C | B | C | B | D | A | A | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | D | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |
| 2023010135 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |
XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | D | B | A | A | C | B | D | A | A | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | D | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||
| 2023010146 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | Charges ThatXXXnnot Increase Test | This loan failed the charges thatXXXnnot increase test. (XX CFR XXX(e)(X)(i))The loan contains charges that exceed the good faith determination according to XXX(e)(X)(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 ThatXXXnnot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under XXX(e)(X)(i). | CDs dated X/XXXX and X/XXXX provided. Updating loan accordingly. Received COC and CD dated X/XXXX. No changes in the Broker amount being increased. Exception remains. |
This loan passed the charges thatXXXnnot increase test. (XX CFR XXX(e)(X)(i))The loan contains charges that do not exceed the good faith determination according to XXX(e)(X)(i).Please see the Tolerance Comparison Table that displays the Charges ThatXXXnnot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under XXX(e)(X)(i). The loan failed due to CD's X/XXXX and X/XXXfrom the loan file. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | D | A | C | A | A | A | D | A | C | A | D | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2023010146 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | Third Party Valuation Product not Provided | Xrd party valuation is required per guidelines as CU score is higher than X. | Third Party Valuation Product Provided. Per guidelines, second appraisal required and in file. Exception cleared. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | D | A | D | A | A | A | D | A | C | A | D | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2023010146 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | Third Party Valuation Product Not Provided and FHLMC Collateral Rep & Warrant Relief is Not Eligible or Unavailable. | Third Party Valuation Product Provided. Third Party Valuation Product Not Provided and XXX Collateral Rep & Warrant Relief is Not Eligible. | Third Party Valuation Product Provided. X/XXX - Second appraisal provided. TPV not required. Exception cleared. Per guidelines, second appraisal required and in file. Exception cleared. Third Party Valuation Product Not Provided and FHLMC Collateral Rep & Warrant Relief is Not Eligible. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | D | A | D | A | A | A | D | A | C | A | D | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2023010146 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | Reimbursement Amount Test | This loan failed the reimbursement amount test. (XX CFR XXX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances and the provided reimbursement amount of XX, is not sufficient to reimburse the consumer the amount by which the tolerances were exceeded, XXX.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under XXX(e)(X)(i) or (ii), the creditor complies with XXX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation, and the creditor complies with XXX if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XX days after consummation. | CDs dated X/XXXX and X/XXXX provided. Updating loan accordingly. Received COC and CD dated X/XXXX. No changes in the Broker amount being increased. Exception remains. |
This loan passed the reimbursement amount test. (XX CFR XXX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances. However, the provided reimbursement amount of XX, is sufficient to reimburse the consumer the amount by which the tolerances were exceeded, XX.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under XXX(e)(X)(i) or (ii), the creditor complies with XXX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation, and the creditor complies with XXX if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XX days after consummation. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | D | A | C | A | A | A | D | A | C | A | D | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2023010146 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | Third Party Valuation Product Not Provided and CU Score is Greater Than XXX | Third Party Valuation Product Not Provided and CU Score is XX. | Third Party Valuation Product Provided. Per guidelines, second appraisal required and in file. Exception cleared. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | D | A | D | A | A | A | D | A | C | A | D | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2023010146 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | Initial Closing Disclosure Delivery Date Test | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | D | A | C | A | A | A | D | A | C | A | D | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||||
| 2023010146 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | Original PI Payment on Note does not equal PI Payment on Final Closing Disclosure | The principal and interest payment on the Final Closing Disclosure does not match the original principal and interest payment payment (XXX) on the Note. | Original PI Payment on Note matches Final CD | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | D | A | C | A | A | A | D | A | C | A | D | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2023010146 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | D | A | A | A | A | A | D | A | C | A | D | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010146 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | High-Cost Mortgage Date the Rate Was Set Validation Test | This loan failed the date the rate was set validation test. ( XX CFR XXX(X)(i)(A), (C) )This loan did not provide the date the rate was set, which is required for the High-Cost Mortgage Finding. | This compliance test 'High-Cost Mortgage Date the Rate Was Set Validation Test' is no longer tested | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | D | A | C | A | A | A | D | A | C | A | D | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2023010146 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | Consummation or Reimbursement Date Validation Test | 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 reimbursementXXXlculations. | Received COC and CD dated X/XXXX. No changes in the Broker amount being increased. Exception remains. CDs dated X/XXXX and X/XXXX provided. Updating loan accordingly. |
This compliance test 'Consummation or Reimbursement Date Validation Test' is no longer tested | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | D | A | C | A | A | A | D | A | C | A | D | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2023010256 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | XXX | Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXX are greater than the Guideline Minimum of XX or XXX. | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010256 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |
XXX | Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXX are greater than the Guideline Minimum of XX or XXX. | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010250 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | Third Party Valuation Product Not Provided | Third Party Valuation Product Not Provided and CU Score is XX. | Secondary Product Provided | XXX | Exception resolved | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. | D | A | D | A | A | A | D | A | A | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2023010250 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |
XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. | D | A | A | A | A | A | D | A | A | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010250 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. | D | A | A | A | A | A | D | A | A | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010250 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | Title Issues Present | The following issues were noted: Exhibit A reflects XX acres and appraisal reflects XXX acres. The title does not indicate if the full XXX acres, which includes X tracts, are covered in the committment | Received LOX confirming - Lender Policy covered both Tracts. | X/XXX - Received LOX confirming - Lender Policy covered both Tracts. Exception cleared. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. | D | A | C | A | A | A | D | A | A | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2023010257 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | Borrower Liabilities Verification Indicator is Partial | Borrower liabilities verified indicator is Partial | Borrower liabilities verified indicator is Present Client provided a guideline exception allowing for minimum trade line exception, borrower has X tradeline with XX month history, received XX month rental history. Borrower with same employer X years. Verified reserves XXX months, XXX/XX months, Qualifying LTV XX. Change severity of 'Borrower Liabilities Verification Indicator is Partial' from Material to Non-Material. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has stable job time - Borrower has XX years at job. | D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2023010257 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |
XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has stable job time - Borrower has XX years at job. | D | A | A | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010251 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | Borrower 2 Income Verification is less than 12 months | CoBorrower X Income Verification of XX is less than XX months. Cbwr's income is stated as X. However, no employer info is listed. | XXX | Co-Bwr is not employed. Cbwr has income stated as X. No Employer verification of income verification in the file. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has stable job time - Borrower has XX years at job. | C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2023010251 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | CoBorrower Income Verification does not match Approval | The coborrower income verification does not match approval. Cbwrs income is marked as X. No income source or verification in the file. | XXX | The coborrower income verification does match approval Cbwr has income stated as X. No Employer verification of income verification in the file. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has stable job time - Borrower has XX years at job. | C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2023010251 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | CoBorrower Employment Verification does not meet guidelines | Cbwrs income is marked as X. No income source or verification in the file. | X/XXX - The Co-Bwr is not employed. The XX income amount listed on the final XXX is a formality and should not be included. Exception cleared. | XXX | Co-Bwr is not employed. Cbwr has income stated as X. No Employer verification of income verification in the file. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has stable job time - Borrower has XX years at job. | C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2023010251 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |
XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXXX. Borrower X has significant job time - Borrower has XX years on job Borrower has stable job time - Borrower has XX years at job. | C | A | A | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010147 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |
XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010147 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010141 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan ( XX CFR XXX(a)(X) )The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate by or more orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate by or more orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate by or more. | Escrow account established, and appraisal receipt acknowledged within X days | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXXX. Borrower X has significant job time - Borrower has XX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. | D | B | C | B | A | A | D | A | C | B | D | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | ||
| 2023010141 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | NC RSHL Qualified Mortgage Points and Fees | This loan has points and fees that exceed the points and fees threshold. ( NC GS §XX-XF(bX) , XX CFR XXX(e)(X))The loan amount is XXX or more, and the transaction's total points and fees are XX,XXX, which exceeds X percent of the total loan amount of XXXThe loan amount is less than XXX but at least XX, and the transaction's total points and fees are XX,XXX, which exceeds X,XXXThe loan amount is less than XX,XXX but at least XX, and the transaction's total points and fees are XX,XXX, which exceeds X percent of the total loan amount of XXXThe loan amount is less than XX,XXX but at least XX, and the transaction's total points and fees are XX,XXX, which exceeds X,XXX orThe loan amount is less than XX, and the transaction's total points and fees are XX,XXX, which exceeds X percent of the total loan amount of XXX. | Loan is Exempt based on loan amount | XXX | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. | D | B | C | A | A | A | D | A | C | B | D | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |
| 2023010141 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | Third Party Valuation Product not Provided | Third Party Valuation Product not Provided to Support Origination Appraised Value within XX. Third Party Valuation Product not Provided to Support Origination Appraised Value within XX. | Third Party Valuation Product Provided Third Party Valuation Product Provided | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXXX. Borrower X has significant job time - Borrower has XX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. | D | B | D | A | A | A | D | A | C | B | D | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | ||
| 2023010316 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Active | Compliance | Interest Rate Test | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of X. Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. | D | B | B | B | A | A | D | A | C | B | D | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | ||||
| 2023010316 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan ( XX CFR XXX(a)(X) )The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate by or more orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate by or more orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate by or more. | Escrow account established, and appraisal receipt acknowledged within X days. | Change severity of 'Higher-Priced Mortgage Loan' from Material to Non-Material | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of X. Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. | D | B | C | B | A | A | D | A | C | B | D | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |
| 2023010316 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of X. Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. | D | B | A | A | A | A | D | A | C | B | D | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |||
| 2023010316 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | Regulation § 1026.43(c)(2)(i) failure - The borrower(s) reasonably expected income or assets was not properly considered. | The borrower(s) reasonably expected income or assets was not properly considered. | error | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of X. Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. | D | B | C | A | A | A | D | A | C | B | D | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | ||
| 2023010148 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | XXX | Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower has stable job time - Borrower has XX years at job. | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010148 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |
XXX | Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower has stable job time - Borrower has XX years at job. | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010317 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Credit | Overdraft/NSF Count Exceeds Tolerance | Overdraft/NSF count exceeds tolerance. Change status of 'Overdraft/NSF Count Exceeds Tolerance' from Active to Acknowledged by Client. Client provided guidelines exception allowing for XX NSF's in XX months based on qualifying FICO score of XXXXX DTI, XX years employment stability, monthly housing payment changing by -XXXX monthly, XX months verified reserves , residual income of XXX and XXX LTV. Change severity of 'Overdraft/NSF Count Exceeds Tolerance' from Material to Non-Material. |
XXX | Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXXX are greater than the Guideline Minimum of XX or XXXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | C | B | C | B | C | B | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||
| 2023010317 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |
XXX | Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXXX are greater than the Guideline Minimum of XX or XXXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | C | B | A | A | C | B | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||
| 2023010317 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | XXX | Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXXX are greater than the Guideline Minimum of XX or XXXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | C | B | A | A | C | B | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||
| 2023010385 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XX is less than the Guideline DTI of XXX. Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010385 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |
XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XX is less than the Guideline DTI of XXX. Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010154 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Credit | Note Document Indicator is Partial | Note document indicator is Partial. Note amount exceeds guideline limit. | Client provided exception approval | Change severity of 'Note Document Indicator is Partial' from Material to Non-Material. Change status of 'Note Document Indicator is Partial' from Active to Acknowledged by Client. Client provided guideline exception allowing for loan amount of X, XXX based on XXX FICO, XXXXX DTI, Borrower in business XX years, verfied reserves of XX months, residual income of XX,XXX and XXX in last XX months. |
XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | D | B | D | B | D | B | D | A | C | A | D | C | D | C | D | D | D | C | D | C | D | C | D | D | D | C | D | D | D | C | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |
| 2023010154 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Credit | Downpayment source is from an unacceptable source | Downpayment source is from an acceptable source. Downpayment source is from an unacceptable source. Exception granted forXXXsh out amount,XXXsh out exceeds X million. Please see Credit Risk Summary & Exception for more info on Pg XXX | Client provided exception approval | Change severity of 'Downpayment source is from an unacceptable source' from Material to Non-Material. Change status of 'Downpayment source is from an unacceptable source' from Active to Acknowledged by Client. Change status of 'Note Document Indicator is Partial' from Active to Acknowledged by Client. Client provided guideline exception allowing forXXXsh out of X, XXX based on XXX FICO, XXXXX DTI, Borrower in business XX years, verfied reserves of XX months, residual income of XX,XXX and XXX in last XX months. Downpayment source is from an unacceptable source. XXXsh out exceeds guideline limit. |
XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | D | B | C | B | D | B | D | A | C | A | D | C | D | C | D | D | D | C | D | C | D | C | D | D | D | C | D | D | D | C | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |
| 2023010154 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | Initial Closing Disclosure Delivery Date Test | Per Disclosure Tracking Summary, XXXinitial CD dated X/XX/XX. | This loan passed the initial closing disclosure delivery date test.( XX CFR XXX(f)(X)(ii) )The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"XXX" or "XXX" or blank, and the initial closing disclosure delivery date is not less than six business days (counting allXXXlendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction or"In Person" and the initial closing disclosure delivery date is not less than three business days (counting allXXXlendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is not less than three business days (counting allXXXlendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction.The creditor shall ensure that the consumer receives the disclosures required under paragraph XXX no later than three business days before consummation. The loan file is XXXthe initial CD issued X/XX/ per the disclosure tracker the CD was issued to the borrower electronically. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | D | B | C | A | D | B | D | A | C | A | D | C | D | C | D | D | D | C | D | C | D | C | D | D | D | C | D | D | D | C | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | ||
| 2023010154 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | Hazard Insurance Coverage is Not Sufficient | Hazard insurance coverage is XXX, the subject loan amount is XXX with the hazard insurance replacement coverage of No and estimated replacement value of ___. Hazard insurance coverage of XXX is not sufficient. The subject loan amount is XXX with the hazard insurance replacement coverage of No and estimated replacement value of XXXXXX. Hazard insurance coverage of XXX is not sufficient. The subject loan amount is XXX with the hazard insurance replacement coverage of No and estimated replacement value of XXXXXX. | Hazard insurance coverage is XXX, the subject loan amount is XXX with the hazard insurance replacement coverage of Yes and estimated replacement value of XXXXXX. Hazard insurance coverage is sufficient. The replacement cost of the dwelling is X,XXX per the appraiser. Insurance coverage of X, XXX is sufficient to satisfy the loan requirements. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | D | B | C | A | D | B | D | A | C | A | D | C | D | C | D | D | D | C | D | C | D | C | D | D | D | C | D | D | D | C | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | ||
| 2023010154 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | Third Party Valuation Product Not Provided and FHLMC Collateral Rep & Warrant Relief is Not Eligible or Unavailable. | Third Party Valuation Product Not Provided and XXX Collateral Rep & Warrant Relief is Not Eligible. | Third Party Valuation Product Provided. Per Lender Guidelines, not applicable. Second appraisal in file. Exception cleared. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | D | B | D | A | D | B | D | A | C | A | D | C | D | C | D | D | D | C | D | C | D | C | D | D | D | C | D | D | D | C | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | ||
| 2023010154 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | Third Party Valuation Product not Provided | Third Party Valuation Product not Provided to Support Origination Appraised Value within XX. | Third Party Valuation Product Provided. Per Lender Guidelines, not applicable. Second appraisal in file. Exception cleared. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | D | B | D | A | D | B | D | A | C | A | D | C | D | C | D | D | D | C | D | C | D | C | D | D | D | C | D | D | D | C | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | ||
| 2023010154 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | Third Party Valuation Product Not Provided and CU Score is Greater Than XXX | Third Party Valuation Product Not Provided and CU Score is XX. | Third Party Valuation Product Provided. Per Lender Guidelines, not applicable. Second appraisal in file. Exception cleared. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | D | B | D | A | D | B | D | A | C | A | D | C | D | C | D | D | D | C | D | C | D | C | D | D | D | C | D | D | D | C | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | ||
| 2023010155 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | Initial Closing Disclosure Delivery Date Test | This loan failed the initial closing disclosure delivery date test due to one of the following findings:( XX CFR XXX(f)(X)(ii) )The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"XXX Mail" or "XXX" or blank, and the initial closing disclosure delivery date is less than six business days (counting allXXXlendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction or"In Person" and the initial closing disclosure delivery date is less than three business days (counting allXXXlendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting allXXXlendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph XXX no later than three business days before consummation. | Initial CD dated X/XXXX received. Documentation showing borrower reviewed/received CD on X/XXXX | This loan passed the initial closing disclosure delivery date test.( XX CFR XXX(f)(X)(ii) )The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"XXX" or "XXX" or blank, and the initial closing disclosure delivery date is not less than six business days (counting allXXXlendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction or"In Person" and the initial closing disclosure delivery date is not less than three business days (counting allXXXlendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is not less than three business days (counting allXXXlendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction.The creditor shall ensure that the consumer receives the disclosures required under paragraph XXX no later than three business days before consummation. Need evidence borrower received CD X days prior to consummation date XXX. XXXInitial CD. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | D | A | C | A | D | A | A | A | C | A | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2023010155 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | Reimbursement Amount Validation Test | 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 reimbursementXXXlculations. | Initial CD dated X/XXXX received. Documentation showing borrower reviewed/received CD on X/XXXX | This compliance test 'Reimbursement Amount Validation Test' is no longer tested | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | D | A | C | A | D | A | A | A | C | A | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2023010155 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | Consummation or Reimbursement Date Validation Test | 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 reimbursementXXXlculations. | Initial CD dated X/XXXX received. Documentation showing borrower reviewed/received CD on X/XXXX | This compliance test 'Consummation or Reimbursement Date Validation Test' is no longer tested | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | D | A | C | A | D | A | A | A | C | A | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2023010155 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | Charges ThatXXXnnot Increase Test | This loan failed the charges thatXXXnnot increase test. (XX CFR XXX(e)(X)(i))The loan contains charges that exceed the good faith determination according to XXX(e)(X)(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 ThatXXXnnot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under XXX(e)(X)(i). | Initial CD dated X/XXXX received. Documentation showing borrower reviewed/received CD on X/XXXX | This loan passed the charges thatXXXnnot increase test. (XX CFR XXX(e)(X)(i))The loan contains charges that do not exceed the good faith determination according to XXX(e)(X)(i).Please see the Tolerance Comparison Table that displays the Charges ThatXXXnnot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under XXX(e)(X)(i). | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | D | A | C | A | D | A | A | A | C | A | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2023010155 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | Hazard Insurance Indicator is Partial | The hazard and windstorm coverage are written with the subject property as a primary residence, and this is a second home. That error should be corrected, as it may affect the enforceability of the hazard policy. Hazard insurance indicator is Partial | Hazard insurance indicator is Present. Update. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | D | A | D | A | D | A | A | A | C | A | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2023010155 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | Hazard Insurance Coverage is Not Sufficient. | Hazard insurance coverage of XXX XXX is not sufficent. The subject loan amount is XXX with the hazard insurance replacement coverage of No and estimated replacement value from insurance company was not provided. The state ofXXXorida enacted a statute effective XXX that does not allow the insurance company to disclose guaranteed replacement coverage or the replacement cost estimator. Exception cleared. | Hazard insurance coverage is sufficient. The state ofXXXorida enacted a statute effective XXX that does not allow the insurance company to disclose guaranteed replacement coverage or the replacement cost estimator. Exception cleared. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | D | A | C | A | D | A | A | A | C | A | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2023010259 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |
XXX | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has stable job time - Borrower has XX years at job. | C | B | A | A | C | B | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||
| 2023010259 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Credit | Housing history does not meet guidelines | The updated credit report shows X months of payment history. Prior to purchasing the subject property, the borrower rented. There is no VOR in file for the rental prior to the purchase, and no exception approved for the housing history of less than XX months. XXX months housing history. The TPR INV Portfolio guidelines, housing history XX states XX months housing history required for bank statments loans. | Updated CRSE provided. Client acknowledges Housing History. Guidelines - XX months Actual XX months (or X by CR) Rationale - Cr= X mos, but is actually X mos pd. Bought X/XX, no pymt in May, Jun-Dec XXX on CR, mtg stmts in file forXXX & Feb XXX so XX mos verified. Compensating Factors: Qualifying Credit Score is XXX XXX (Housing Ratio) or XXX (Total) Borrower with same Employer/Business for X years Monthly housing payment payment is changing by -XXXX monthly Qualifying Payment Shock is XXX Verified Reserves are XX Residual Income of XXX Qualifying LTV is XX. Acknowledged by client. | Change severity of 'Housing history does not meet guidelines' from Material to Non-Material. Change status of 'Housing history does not meet guidelines' from Active to Acknowledged by Client. Updated CRSE provided. Client acknowledges Housing History. Guidelines - XX months Actual XX months (or X by CR) Rationale - Cr= X mos, but is actually X mos pd. Bought X/XX, no pymt in May, Jun-Dec XXX on CR, mtg stmts in file forXXX & Feb XXX so XX mos verified. Compensating Factors: Qualifying Credit Score is XXX XXX (Housing Ratio) or XXX (Total) Borrower with same Employer/Business for X years Monthly housing payment payment is changing by -XXXX monthly Qualifying Payment Shock is XXX Verified Reserves are XX Residual Income of XXX Qualifying LTV is XX. Acknowledged by client. Received CRSE, not exceptions listed. The updated credit report shows X months of payment history. Prior to purchasing the subject property, the borrower rented. There is no VOR in file for the rental prior to the purchase, and no exception approved for the housing history of less than XX months. |
XXX | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has stable job time - Borrower has XX years at job. | C | B | C | B | C | B | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |
| 2023010386 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | Originator NMLS Status is Not Found | The originator organization and originator per the NMLS website company name shows XXX , per the Note/CD/XXX/Final the mortgage originator organization name is XXX . Please provide evidence companies are one in the same or dba. | The originator NMLS status is Active | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. | C | A | C | A | A | A | A | A | C | A | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2023010260 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | XXX | Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010260 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |
XXX | Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010261 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XX years | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010261 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |
XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XX years | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010290 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | XXX | Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Borrower has stable job time - Borrower has XX years at job. | C | A | A | A | A | A | A | A | C | A | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010290 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | Initial Closing Disclosure Delivery Date Test | This loan failed the initial closing disclosure delivery date test due to: The initial Closing Disclosure dated XXX is XXXfrom the loan file. | Received COC and CD dated XXX. Updating loan accordingly. | This loan passed the initial closing disclosure delivery date test.( XX CFR XXX(f)(X)(ii) )The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"XXX" or "XXX" or blank, and the initial closing disclosure delivery date is not less than six business days (counting allXXXlendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction or"In Person" and the initial closing disclosure delivery date is not less than three business days (counting allXXXlendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is not less than three business days (counting allXXXlendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction.The creditor shall ensure that the consumer receives the disclosures required under paragraph XXX no later than three business days before consummation. | XXX | Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Borrower has stable job time - Borrower has XX years at job. | C | A | C | A | A | A | A | A | C | A | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2023010291 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | Third Party Valuation Product Not Provided and CU Score is Greater Than 2.X | AVM ordered but not in file. Third Party Valuation Product Not Provided and CU Score is XX. | Secondary Product Provided | XXX | Exception resolved | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXX are greater than the Guideline Minimum of XX or XXX. Borrower has stable job time - Borrower has XX years at job. | D | A | D | A | A | A | D | A | A | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2023010291 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |
XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXXX are greater than the Guideline Minimum of XX or XXX. Borrower has stable job time - Borrower has XX years at job. | D | A | A | A | A | A | D | A | A | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010291 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | Is Completion Certificate in file is No | The appraisalXXXs completed "Subject To" however, the file is XXXthe Completion Certificate. | Received Appraisal Update and/or Completion Report dated XXX. Exception cleared. | The Completion Certificate is Yes | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXXX are greater than the Guideline Minimum of XX or XXX. Borrower has stable job time - Borrower has XX years at job. | D | A | C | A | A | A | D | A | A | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2023010262 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |
XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has stable job time - Borrower has XX years at job. | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010262 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has stable job time - Borrower has XX years at job. | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010263 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Property | Third Party Valuation Product Not Provided and FHLMC Collateral Rep &XXXrrant Relief is Not Eligible or Unavailable. | Third Party Valuation Product Not Provided and XXX Collateral Rep &XXXrrant Relief is Not Eligible. | Secondary Product Provided | XXX | Exception resolved | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XX years | D | A | D | A | A | A | D | A | A | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2023010263 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |
XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XX years | D | A | A | A | A | A | D | A | A | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010263 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XX years | D | A | A | A | A | A | D | A | A | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010264 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |
XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XX years at job. | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010264 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XX years at job. | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010252 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan ( XX CFR XXX(a)(X) )The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate by or more orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate by or more orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate by or more. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXXX. Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XX years at job. | C | B | C | B | A | A | A | A | C | B | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |||
| 2023010252 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXXX. Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XX years at job. | C | B | A | A | A | A | A | A | C | B | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |||
| 2023010150 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010150 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |
XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010272 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | Third Party Valuation Product Not Provided and FHLMC Collateral Rep &XXXrrant Relief is Not Eligible or Unavailable. | Per Lender Guidelines, not applicable loan amount is less than XXX. Exception cleared. Third Party Valuation Product Not Provided and XXX Collateral Rep &XXXrrant Relief is Not Eligible. | Secondary Product Provided | XXX | Exception resolved | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | D | A | D | A | A | A | D | A | A | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2023010272 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |
XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | D | A | A | A | A | A | D | A | A | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010272 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | D | A | A | A | A | A | D | A | A | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010273 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Credit | Liquid Reserves are less than Guidelines Required | The liquid reserves of XX months or XXX, are less than the Guidelines minimum required of XX or XXX XXX. Credit Risk Summary states Reserves as XX months,XXX's require X Months, Final CD (Xst pg) statesXXXsh to close as XXX,X XXX with verified assets as XXX. | Received updated CRSE. Client acknowledges: Assets-Reserves. Guidelines - X mos Actual XX mos. Rationale - System error at time of final approval. Counted payoff to installment loan twice resulting in low reserves at funding. Compensating Factors: Qualifying Credit Score is XXX Borrower with same employer/business for XX years Residual income of XXX. Acknowledged by client. | Change severity of 'Liquid Reserves are less than Guidelines Required' from Material to Non-Material. Change status of 'Liquid Reserves are less than Guidelines Required' from Active to Acknowledged by Client. Received updated CRSE. Client acknowledges: Assets-Reserves. Guidelines - X mos Actual XX mos. Rationale - System error at time of final approval. Counted payoff to installment loan twice resulting in low reserves at funding. Compensating factors: Qualifying Credit Score is XXX Borrower with same employer/business for XX years Residual income of XXX. Acknowledged by client. |
XXX | Borrower X has significant job time - Borrower has XXX years on job Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | D | B | C | B | C | B | D | A | C | B | D | C | D | C | D | C | D | C | D | C | D | C | D | C | D | C | D | C | D | C | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | |
| 2023010273 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan ( XX CFR XXX(a)(X) )The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate by or more orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate by or more orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate by or more. | Change severity of 'Higher-Priced Mortgage Loan' from Material to Non-Material. | XXX | Borrower X has significant job time - Borrower has XXX years on job Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | D | B | C | B | C | B | D | A | C | B | D | C | D | C | D | C | D | C | D | C | D | C | D | C | D | C | D | C | D | C | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | ||
| 2023010274 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |
XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010274 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010151 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |
XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of -XXX is less than the Guideline DTI of XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | D | A | A | A | A | A | D | A | A | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010151 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of -XXX is less than the Guideline DTI of XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | D | A | A | A | A | A | D | A | A | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010151 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | Third Party Valuation Product Not Provided and FHLMC Collateral Rep & Warrant Relief is Not Eligible or Unavailable. | Third Party Valuation Product Not Provided and XXX Collateral Rep & Warrant Relief is Not Eligible. | Received AVM - updating loan accordingly. Third Party Valuation Product Provided. Per Lender Guidelines, not applicable loan amount is less than XXX. Exception cleared. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of -XXX is less than the Guideline DTI of XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | D | A | D | A | A | A | D | A | A | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2023010151 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | Third Party Valuation Product Not Provided and CU Score is Greater Than XXX | Third Party Valuation Product Not Provided and CU Score is XX. | Third Party Valuation Product Provided. Received AVM - updating loan accordingly. Per Lender Guidelines, not applicable loan amount is less than XXX. Exception cleared. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of -XXX is less than the Guideline DTI of XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | D | A | D | A | A | A | D | A | A | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2023010265 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan ( XX CFR XXX(a)(X) )The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate by or more orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate by or more orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate by or more. | Change severity of 'Higher-Priced Mortgage Loan' from Material to Non-Material. Escrow account established and appraisal receipt acknowledged within X days. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XX is less than the Guideline DTI of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | C | B | C | B | C | A | A | A | C | B | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | ||
| 2023010265 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | Payment shock exceeds lender guidelines | Payment shock of X XXX exceeds the lender guidelines tolerance for payment shock. Per Guidelines, XXX Payment shock is Max of XXX for Bank Statement Program. | Payment shock of X XXX does not exceed the lender guidelines tolerance for payment shock. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XX is less than the Guideline DTI of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | C | B | C | A | C | A | A | A | C | B | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | ||
| 2023010292 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |
XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | D | A | A | A | A | A | D | A | A | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010292 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | D | A | A | A | A | A | D | A | A | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010266 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |
XXX | Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XXX years | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010266 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | XXX | Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XXX years | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010318 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | Borrower Income Verification does not match Approval | The borrower income verification does not match approval Lender QuickXXXlc income expired XXX. File closing date is XXX. | Received LOX - Business XXXlculation. XXXX XXXs used -XXXlculation expires at the end of XXX. Exception cleared. Lender QuickXXXlc income expired XXX. File closing date is XXX. | XXX | The borrower income verification does match approval | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XX is less than the Guideline DTI of XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | C | B | C | A | C | B | A | A | C | B | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B |
| 2023010318 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan ( XX CFR XXX(a)(X) )The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate by or more orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate by or more orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate by or more. Escrow account established, and appraisal receipt acknowledged within X days. | Escrow account established, and appraisal receipt acknowledged within X days. | Change severity of 'Higher-Priced Mortgage Loan' from Material to Non-Material. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XX is less than the Guideline DTI of XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | C | B | C | B | C | B | A | A | C | B | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | |
| 2023010318 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Credit | Overdraft/NSF Count Exceeds Tolerance | Overdraft/NSF count exceeds tolerance. | Change status of 'Overdraft/NSF Count Exceeds Tolerance' from Active to Acknowledged by Client. Client provided a guideline exception allowing for X NSF in the past XX months based on FICO DTI XXX, BR same business XX years. |
XXX | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XX is less than the Guideline DTI of XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | C | B | C | B | C | B | A | A | C | B | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | |
| 2023010318 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XX is less than the Guideline DTI of XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | C | B | A | A | C | B | A | A | C | B | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | |||
| 2023010167 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan ( XX CFR XXX(a)(X) )The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate by or more orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate by or more orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate by or more. | Change severity of 'Higher-Priced Mortgage Loan' from Material to Non-Material. Lender Acknowledged HPML Disclosure Escrow account established, and appraisal receipt acknowledged within X days. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | D | B | C | B | C | B | D | A | C | B | D | C | D | C | D | C | D | C | D | C | D | C | D | C | D | C | D | C | D | C | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | ||
| 2023010167 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Credit | Liquid Reserves are less than Guidelines Required | Change severity of 'Liquid Reserves are less than Guidelines Required' from Material to Non-Material. Change status of 'Liquid Reserves are less than Guidelines Required' from Active to Acknowledged by Client. Client provided a guideline exception allowing for less than X months reserves based on FICO XX years employment, residual income XXX. The liquid reserves of XX months or XXX, are less than the Guidelines minimum required of XXXXX or XXX. |
XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | D | B | C | B | C | B | D | A | C | B | D | C | D | C | D | C | D | C | D | C | D | C | D | C | D | C | D | C | D | C | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | |||
| 2023010275 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan ( XX CFR XXX(a)(X) )The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate by or more orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate by or more orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate by or more. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XX is less than the Guideline DTI of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower has stable job time - Borrower has XX years at job. | D | B | C | B | A | A | D | A | C | B | D | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |||
| 2023010275 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XX is less than the Guideline DTI of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower has stable job time - Borrower has XX years at job. | D | B | A | A | A | A | D | A | C | B | D | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |||
| 2023010275 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | Third Party Valuation Product Not Provided and CU Score is Greater Than XXX | Per guidelines, XXX not required. Loan amount <XXX. Exception cleared. Third Party Valuation Product Not Provided and CU Score is XX. | Third Party Valuation Product Provided. Received AVM with value of XXX,XXX and confidence score of XX | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XX is less than the Guideline DTI of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower has stable job time - Borrower has XX years at job. | D | B | D | A | A | A | D | A | C | B | D | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | ||
| 2023010275 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | Third Party Valuation Product Not Provided and FHLMC Collateral Rep & Warrant Relief is Not Eligible or Unavailable. | Per guidelines, XXX not required. Loan amount <XXX. Exception cleared. Third Party Valuation Product Not Provided and XXX Collateral Rep & Warrant Relief is Not Eligible. | Third Party Valuation Product Provided. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XX is less than the Guideline DTI of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower has stable job time - Borrower has XX years at job. | D | B | D | A | A | A | D | A | C | B | D | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | ||
| 2023010165 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |
XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. | D | A | A | A | D | A | A | A | A | A | C | C | A | A | D | D | A | A | C | C | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010165 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | Flood Certificate is Missing | TheXXXood certification is Missing | Received copy of XXX XXX XXX. Reviewed and verified the information. Exception cleared. | TheXXXood certification is Present | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. | D | A | D | A | D | A | A | A | A | A | C | C | A | A | D | D | A | A | C | C | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2023010158 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |
XXX | Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXXX. Borrower has more than X years at current residence - Borrower at current residence XX years | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010158 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | XXX | Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXXX. Borrower has more than X years at current residence - Borrower at current residence XX years | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010276 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |
XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower has stable job time - Borrower has XX years at job. | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010276 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower has stable job time - Borrower has XX years at job. | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010277 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan ( XX CFR XXX(a)(X) )The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate by or more orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate by or more orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate by or more. | Change severity of 'Higher-Priced Mortgage Loan' from Material to Non-Material. Escrow account established, and appraisal receipt acknowledged within X days. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower has stable job time - Borrower has XX years at job. | D | B | C | B | A | A | D | A | C | B | D | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | ||
| 2023010277 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower has stable job time - Borrower has XX years at job. | D | B | A | A | A | A | D | A | C | B | D | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |||
| 2023010277 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | Third Party Valuation Product Not Provided and CU Score is Greater Than XXX | Per Lender Guidelines, not applicable loan amount is less than XXX. Exception cleared. Third Party Valuation Product Not Provided and CU Score is XX. | Third Party Valuation Product Provided. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower has stable job time - Borrower has XX years at job. | D | B | D | A | A | A | D | A | C | B | D | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | ||
| 2023010277 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | Third Party Valuation Product Not Provided and FHLMC Collateral Rep & Warrant Relief is Not Eligible or Unavailable. | Per Lender Guidelines, not applicable loan amount is less than XXX. Exception cleared. Third Party Valuation Product Not Provided and XXX Collateral Rep & Warrant Relief is Not Eligible. | Third Party Valuation Product Provided. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower has stable job time - Borrower has XX years at job. | D | B | D | A | A | A | D | A | C | B | D | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | ||
| 2023010277 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | Third Party Valuation Product not Provided | Third Party Valuation Product Provided. Update Third Party Valuation Product Provided Third Party Valuation Product not Provided to Support Origination Appraised Value within XX. | Third Party Valuation Product Provided Third Party Valuation Product not Provided to Support Origination Appraised Value within XX. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower has stable job time - Borrower has XX years at job. | D | B | D | A | A | A | D | A | C | B | D | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | ||
| 2023010293 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan ( XX CFR XXX(a)(X) )The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate by or more orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate by or more orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate by or more. | Change severity of 'Higher-Priced Mortgage Loan' from Material to Non-Material. Lender Acknowledged HPML Disclosure Escrow account established, and appraisal receipt acknowledged within X days. | XXX | Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | C | B | C | B | A | A | C | A | C | B | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | ||
| 2023010293 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | XXX | Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | C | B | A | A | A | A | C | A | C | B | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |||
| 2023010267 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Property | Third Party Valuation Product Not Provided and FHLMC Collateral Rep &XXXrrant Relief is Not Eligible or Unavailable. | Third Party Valuation Product Not Provided and XXX Collateral Rep &XXXrrant Relief is Not Eligible. | Secondary Product Provided | XXX | Exception resolved | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XX years | D | A | D | A | A | A | D | A | A | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2023010267 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |
XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XX years | D | A | A | A | A | A | D | A | A | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010267 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XX years | D | A | A | A | A | A | D | A | A | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010268 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010268 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |
XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010294 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | Third Party AVM to appraised value exceeds allowable variance | AVM variance is XX less than appraised value Appraisal value is X, XXX and AVM value is X, XXX. Variance exceeded allowable maxium. | Secondary Product Provided | XXX | Exception resolved | XXX | Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. | C | A | C | A | A | A | C | A | A | A | C | A | C | A | C | A | C | A | C | A | C | A | C | A | C | A | C | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2023010294 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |
XXX | Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. | C | A | A | A | A | A | C | A | A | A | C | A | C | A | C | A | C | A | C | A | C | A | C | A | C | A | C | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010278 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |
XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010278 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010279 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | Appraisal date is greater than 120 days from Origination date. | Funding delay. Field review done X/XXXX to reaffirm value Appraisal Update and/or Completion Report dated X/XX/XX on pgXXX of the loan file Appraisal dated X/XXXX is greater than XXX days from Note date of X/XXXX. |
Received PCCD letter, PCCD dated X/XX/ and copy of Refund Check in the amount of XXX. Updating loan accordingly. | Appraisal date is within XXX days of Note date. Received copy of CDA to reaffirm the property's value. Updating loan accordingly. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | C | B | C | A | C | B | A | A | C | A | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |
| 2023010279 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Credit | Cash to Borrower Exceeds Maximum Allowable | Cash to borrower exceeds maximum allowable. Guideline maximum amount to borrower is: Change status of 'Cash to Borrower Exceeds Maximum Allowable' from Active to Acknowledged by Client. Borrower paidXXXsh for property due to delayed financing. XXXsh out exceeding maximum is approved to reimburse the purchase price. Lender cited XXX FICO, XXX mos reserves, XXX DTI and XX,XXX/mo residual income as compensating factors. |
Change severity of 'Cash to Borrower Exceeds Maximum Allowable' from Material to Non-Material. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | C | B | C | B | C | B | A | A | C | A | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | ||
| 2023010279 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | Hazard Insurance Coverage is Not Sufficient. | Hazard insurance coverage of XXX is not sufficent. The subject loan amount is XXXXXX with the hazard insurance replacement coverage of No and estimated replacement value from insurance companyXXXs not provided. The replacement cost of theXXX is X, XXX per the appraisal. The insurance coverage of XXXXXn be extended by XX, to a total of XXX which is not sufficient to cover the replacement cost. | Received copy of RCD showing Estimated Reconstruction Cost as XXX. Exception cleared. | Hazard insurance coverage is sufficient. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | C | B | C | A | C | B | A | A | C | A | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |
| 2023010279 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | Original PI Payment on Note does not equal PI Payment on Final Closing Disclosure | The principal and interest payment on the Final Closing Disclosure does not match the original principal and interest payment payment (XXX) on the Note. From Hard Coded form in template: 'Closing Disclosure' at X/XXXX Original PI Payment on Note matches Final CD The principal and interest payment on the Final Closing Disclosure does not match the original principal and interest payment payment (XXX) on the Note. |
Original PI Payment on Note matches Final CD The principal and interest payment on the Final Closing Disclosure does not match the original principal and interest payment payment (XXX) on the Note. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | C | B | C | A | C | B | A | A | C | A | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | ||
| 2023010279 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | Revised Closing Disclosure Delivery Date Test (Waiting Period Required) Test | The revised closing disclosure delivery date test (waiting period required) does not apply to this loan. ( XX CFR XXX(f)(X)(iv) )If the consumer determines that the extension of credit is needed to meet a XXXfide personal financial emergency, the consumer may modify or waive the three-business-day waiting period for the revised closing disclosure. The loan has marked the "Waiver Box - Revised Closing Disclosure X-Day Waiting Period" checkbox indicating that the consumer has modified or waived the three-business-day waiting period, after receiving the revised closing disclosure. By checking the checkbox, the user certifies that the other requirements to waive or modify the waiting period have been met.PLEASE NOTE: Regulation Z requires that to modify or waive the waiting period, the consumer shall give the creditor a dated written statement that describes the emergency, specifically modifies or waives the waiting period, and bears the signature of all the consumers who are primarily liable on the legal obligation. Printed forms for this purpose are prohibited. This loan passed the revised closing disclosure delivery date test (waiting period required).( XX CFR XXX(f)(X)(ii) )The revised closing disclosure delivery requires a new waiting period andThe revised closing disclosure delivery date is provided and the revised closing disclosure method of delivery is marked as either:"XXX Mail" or "XXX" or blank, and the revised closing disclosure delivery date is not less than six business days (counting allXXXlendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction or"In Person" and the revised closing disclosure delivery date is not less than three business days (counting allXXXlendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction orThe revised closing disclosure receipt date is provided and the revised closing disclosure receipt date is not less than three business days (counting allXXXlendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction.Changes before consummation requiring a new waiting period. If one of the following disclosures provided under XXX becomes inaccurate in the following manner before consummation, the creditor shall ensure that the consumer receives corrected disclosures containing all changed terms in accordance with the requirements of XXX(f)(X)(ii)(A):(A) The annual percentage rate disclosed under XXX(o)(X) becomes inaccurate, as defined in XXX.(B) The loan product is changed,XXXusing the information disclosed under XXX(a)(X)(iii) to become inaccurate.(C) A prepayment penalty is added,XXXusing the statement regarding a prepayment penalty required under XXX(b) to become inaccurate.The creditor shall ensure that the consumer receives the disclosures required under XXX no later than three business days before consummation. This loan failed the revised closing disclosure delivery date test (waiting period required).( XX CFR XXX(f)(X)(ii) )The revised closing disclosure delivery requires a new waiting period andThe revised closing disclosure delivery date is provided and the revised closing disclosure method of delivery is marked as either:"XXX Mail" or "XXX" or blank, and the revised closing disclosure delivery date is less than six business days (counting allXXXlendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction or"In Person" and the revised closing disclosure delivery date is less than three business days (counting allXXXlendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction orThe revised closing disclosure receipt date is provided and the revised closing disclosure receipt date is less than three business days (counting allXXXlendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction.Changes before consummation requiring a new waiting period. If one of the following disclosures provided under XXX becomes inaccurate in the following manner before consummation, the creditor shall ensure that the consumer receives corrected disclosures containing all changed terms in accordance with the requirements of XXX(f)(X)(ii)(A):(A) The annual percentage rate disclosed under XXX(o)(X) becomes inaccurate, as defined in XXX.(B) The loan product is changed,XXXusing the information disclosed under XXX(a)(X)(iii) to become inaccurate.(C) A prepayment penalty is added,XXXusing the statement regarding a prepayment penalty required under XXX(b) to become inaccurate.The creditor shall ensure that the consumer receives the disclosures required under XXX no later than three business days before consummation. | The revised closing disclosure delivery date test (waiting period required) does not apply to this loan. ( XX CFR XXX(f)(X)(iv) )If the consumer determines that the extension of credit is needed to meet a XXXfide personal financial emergency, the consumer may modify or waive the three-business-day waiting period for the revised closing disclosure. The loan has marked the "Waiver Box - Revised Closing Disclosure X-Day Waiting Period" checkbox indicating that the consumer has modified or waived the three-business-day waiting period, after receiving the revised closing disclosure. By checking the checkbox, the user certifies that the other requirements to waive or modify the waiting period have been met.PLEASE NOTE: Regulation Z requires that to modify or waive the waiting period, the consumer shall give the creditor a dated written statement that describes the emergency, specifically modifies or waives the waiting period, and bears the signature of all the consumers who are primarily liable on the legal obligation. Printed forms for this purpose are prohibited. This loan failed the revised closing disclosure delivery date test (waiting period required).( XX CFR XXX(f)(X)(ii) )The revised closing disclosure delivery requires a new waiting period andThe revised closing disclosure delivery date is provided and the revised closing disclosure method of delivery is marked as either:"XXX" or "XXX" or blank, and the revised closing disclosure delivery date is less than six business days (counting allXXXlendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction or"In Person" and the revised closing disclosure delivery date is less than three business days (counting allXXXlendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction orThe revised closing disclosure receipt date is provided and the revised closing disclosure receipt date is less than three business days (counting allXXXlendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction.Changes before consummation requiring a new waiting period. If one of the following disclosures provided under XXX becomes inaccurate in the following manner before consummation, the creditor shall ensure that the consumer receives corrected disclosures containing all changed terms in accordance with the requirements of XXX(f)(X)(ii)(A):(A) The annual percentage rate disclosed under XXX(o)(X) becomes inaccurate, as defined in XXX.(B) The loan product is changed,XXXusing the information disclosed under XXX(a)(X)(iii) to become inaccurate.(C) A prepayment penalty is added,XXXusing the statement regarding a prepayment penalty required under XXX(b) to become inaccurate.The creditor shall ensure that the consumer receives the disclosures required under XXX no later than three business days before consummation. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | C | B | C | A | C | B | A | A | C | A | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | ||
| 2023010279 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | Consummation or Reimbursement Date Validation Test | This compliance test 'Consummation or Reimbursement Date Validation Test' is no longer tested 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 reimbursementXXXlculations. | This compliance test 'Consummation or Reimbursement Date Validation Test' is no longer tested 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 reimbursementXXXlculations. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | C | B | C | A | C | B | A | A | C | A | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | ||
| 2023010279 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | Charges ThatXXXnnot Increase Test | This loan passed the charges thatXXXnnot increase test. (XX CFR XXX(e)(X)(i))The loan contains charges that do not exceed the good faith determination according to XXX(e)(X)(i).Please see the Tolerance Comparison Table that displays the Charges ThatXXXnnot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under XXX(e)(X)(i). The loan failed the revised cd timing waiting period due to the loan terms changing on the revised CD issued X/XXXX. Therefore, a new X day wiaiting period is required. | This loan failed the charges thatXXXnnot increase test. (XX CFR XXX(e)(X)(i))The loan contains charges that exceed the good faith determination according to XXX(e)(X)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is X,XXX.Please see the Tolerance Comparison Table that displays the Charges ThatXXXnnot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under XXX(e)(X)(i). This loan passed the charges thatXXXnnot increase test. (XX CFR XXX(e)(X)(i))The loan contains charges that do not exceed the good faith determination according to XXX(e)(X)(i).Please see the Tolerance Comparison Table that displays the Charges ThatXXXnnot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under XXX(e)(X)(i). This loan failed the charges thatXXXnnot increase test. (XX CFR XXX(e)(X)(i))The loan contains charges that exceed the good faith determination according to XXX(e)(X)(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 ThatXXXnnot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under XXX(e)(X)(i). | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | C | B | C | A | C | B | A | A | C | A | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | ||
| 2023010279 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | Reimbursement Amount Test | This loan passed the reimbursement amount test. (XX CFR XXX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances. However, the provided reimbursement amount of XX, is sufficient to reimburse the consumer the amount by which the tolerances were exceeded, XX.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under XXX(e)(X)(i) or (ii), the creditor complies with XXX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation, and the creditor complies with XXX if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XX days after consummation. This loan failed the reimbursement amount test. (XX CFR XXX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances and the provided reimbursement amount of XX, is not sufficient to reimburse the consumer the amount by which the tolerances were exceeded, X,XXX.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under XXX(e)(X)(i) or (ii), the creditor complies with XXX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation, and the creditor complies with XXX if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XX days after consummation. | This loan failed the reimbursement amount test. (XX CFR XXX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances and the provided reimbursement amount of XX, is not sufficient to reimburse the consumer the amount by which the tolerances were exceeded, X,XXX.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under XXX(e)(X)(i) or (ii), the creditor complies with XXX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation, and the creditor complies with XXX if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XX days after consummation. This loan passed the reimbursement amount test. (XX CFR XXX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances. However, the provided reimbursement amount of XX, is sufficient to reimburse the consumer the amount by which the tolerances were exceeded, XX.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under XXX(e)(X)(i) or (ii), the creditor complies with XXX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation, and the creditor complies with XXX if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XX days after consummation. This loan failed the reimbursement amount test. (XX CFR XXX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances and the provided reimbursement amount of XX, is not sufficient to reimburse the consumer the amount by which the tolerances were exceeded, XXX.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under XXX(e)(X)(i) or (ii), the creditor complies with XXX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation, and the creditor complies with XXX if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XX days after consummation. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | C | B | C | A | C | B | A | A | C | A | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | ||
| 2023010295 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |
XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010295 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010280 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan ( XX CFR XXX(a)(X) )The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate by or more orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate by or more orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate by or more. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. | D | B | C | B | C | B | D | A | C | B | D | C | D | C | D | C | D | C | D | C | D | C | D | C | D | C | D | C | D | C | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | |||
| 2023010280 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | Third Party Valuation Product Not Provided and CU Score is Greater Than 2.X | Third Party Valuation Product Not Provided and CU Score is XX. | Secondary Product Provided | XXX | Exception resolved | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. | D | B | D | A | C | B | D | A | C | B | D | C | D | C | D | C | D | C | D | C | D | C | D | C | D | C | D | C | D | C | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B |
| 2023010280 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Credit | Payment shock exceeds lender guidelines | Change severity of 'Payment shock exceeds lender guidelines' from Material to Non-Material. Payment shock of XXX exceeds the lender guidelines tolerance for payment shock. Change status of 'Payment shock exceeds lender guidelines' from Active to Acknowledged by Client. Client provided a guideline exception allowing for payment shock percentage over XXX based on the coborrower having previous mortgage history of XXX,XXX in XXX XXX for XX months with an estimated payment at XXX/mo resulting in a payment shock of XXX |
XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. | D | B | C | B | C | B | D | A | C | B | D | C | D | C | D | C | D | C | D | C | D | C | D | C | D | C | D | C | D | C | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | |||
| 2023010280 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | Third Party Valuation Product Not Provided and FHLMC Collateral Rep &XXXrrant Relief is Not Eligible or Unavailable. | Third Party Valuation Product Not Provided and XXX Collateral Rep &XXXrrant Relief is Not Eligible. | Secondary Product Provided | XXX | Exception resolved | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. | D | B | D | A | C | B | D | A | C | B | D | C | D | C | D | C | D | C | D | C | D | C | D | C | D | C | D | C | D | C | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B |
| 2023010280 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | Third Party Valuation Product not Provided | Third Party Valuation Product not Provided to Support Origination Appraised Value within XX. | Secondary Product Provided | XXX | Exception resolved | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. | D | B | D | A | C | B | D | A | C | B | D | C | D | C | D | C | D | C | D | C | D | C | D | C | D | C | D | C | D | C | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B |
| 2023010281 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan ( XX CFR XXX(a)(X) )The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate by or more orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate by or more orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate by or more. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XX is less than the Guideline DTI of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. | C | B | C | B | A | A | C | A | C | B | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |||
| 2023010281 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | Third Party AVM to appraised value exceeds allowable variance | Third party AVM value of XXX with a variance of -XXX exceeds XX allowable variance. | Secondary Product Provided | XXX | Exception resolved | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XX is less than the Guideline DTI of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. | C | B | C | A | A | A | C | A | C | B | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B |
| 2023010282 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Credit | Payment shock exceeds lender guidelines | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | D | B | C | B | C | B | D | A | A | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | D | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | ||||
| 2023010282 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |
XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | D | B | A | A | C | B | D | A | A | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | D | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||
| 2023010282 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | Borrower Income Verification does not match Approval | The borrower income verification does not match approval. XXXX and XXX XXX bank statements. | Received business XXX XXX and XXX XXX. Lender also provided updated QuickXXXlc form and XXX reflecting higher income based on correct deposits found on XXX. XXX - Received updated CRSE showing Income Amount to be XXXXX. Exception cleared. |
The borrower income verification does match approval Received updated CRSE showing Income Amount to be XXXXX. Exception cleared. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | D | B | C | A | C | B | D | A | A | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | D | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |
| 2023010296 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | Final Loan Application is Missing | Final loan application is Missing | Received signed copy of the final XXX dated XXX. Exception cleared. Final loan application is Missing | XXX | Final loan application is Present | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower has stable job time - Borrower has XX years at job. | D | A | D | A | D | A | A | A | C | A | C | C | A | C | D | D | A | C | C | C | A | C | D | D | A | C | D | D | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2023010296 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | Housing history does not meet guidelines | XXXX months mortgage history on current primary residencce, only X months reporting per the credit reports in file. | Received copies of bank statements showing full rental payments for at least XX months. Exception cleared. | XXX | Housing delinquency meets guidelines. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower has stable job time - Borrower has XX years at job. | D | A | C | A | D | A | A | A | C | A | C | C | A | C | D | D | A | C | C | C | A | C | D | D | A | C | D | D | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2023010296 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | Initial Closing Disclosure Delivery Date Test | This loan failed the initial closing disclosure delivery date test due to one of the following findings:( XX CFR XXX(f)(X)(ii) )The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"XXX Mail" or "XXX" or blank, and the initial closing disclosure delivery date is less than six business days (counting allXXXlendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction or"In Person" and the initial closing disclosure delivery date is less than three business days (counting allXXXlendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting allXXXlendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph XXX no later than three business days before consummation. Per Disclosure Tracking Summary, XXXinitial CD dated X/X/XX. | Change status of 'Initial Closing Disclosure Delivery Date Test' from Active to OpenXXX. Received copy of initial Closing Disclosure dated XXX. Updating loan accordingly. Per Disclosure Tracking Summary, XXXinitial CD dated X/X/XX. |
XXX | This loan passed the initial closing disclosure delivery date test.( XX CFR XXX(f)(X)(ii) )The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"XXX" or "XXX" or blank, and the initial closing disclosure delivery date is not less than six business days (counting allXXXlendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction or"In Person" and the initial closing disclosure delivery date is not less than three business days (counting allXXXlendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is not less than three business days (counting allXXXlendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction.The creditor shall ensure that the consumer receives the disclosures required under paragraph XXX no later than three business days before consummation. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower has stable job time - Borrower has XX years at job. | D | A | C | A | D | A | A | A | C | A | C | C | A | C | D | D | A | C | C | C | A | C | D | D | A | C | D | D | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2023010173 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | Origination Appraisal is Partial | Origination Appraisal is Partial. | Received Email from client - re-reviewed the appraisal and do not see any issues. Exception cleared. | Origination appraisal is Present. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Borrower has more than X years at current residence - Borrower at current residence XX years | D | B | D | A | C | A | D | A | C | B | C | C | C | C | D | C | D | C | C | C | C | C | D | C | D | C | D | C | D | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |
| 2023010173 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | Borrower Employment Verification does not meet guidelines | CPA letter insufficient and XXXlength of business ownership. Lender to provide CPA letter with both ownership details and length of business. | Per guidelines, CPA letter is not required if additional business search deocumentation is provided. Reviewed - LLC documentation is provided. Exception cleared. | Per guidelines, CPA letter is not required if additional business search documenation is provided. Reviewed - LLC documentation is provided. Exception cleared. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Borrower has more than X years at current residence - Borrower at current residence XX years | D | B | C | A | C | A | D | A | C | B | C | C | C | C | D | C | D | C | C | C | C | C | D | C | D | C | D | C | D | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |
| 2023010173 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan ( XX CFR XXX(a)(X) )The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate by or more orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate by or more orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate by or more. | Escrow account established, and appraisal receipt acknowledged within X days. | Change severity of 'Higher-Priced Mortgage Loan' from Material to Non-Material. Escrow account established, and appraisal receipt acknowledged within X days. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Borrower has more than X years at current residence - Borrower at current residence XX years | D | B | C | B | C | A | D | A | C | B | C | C | C | C | D | C | D | C | C | C | C | C | D | C | D | C | D | C | D | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |
| 2023010397 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |
XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XX years at job. | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010397 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XX years at job. | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010283 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan ( XX CFR XXX(a)(X) )The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate by or more orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate by or more orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate by or more. | Change severity of 'Higher-Priced Mortgage Loan' from Material to Non-Material. Change status of 'Higher-Priced Mortgage Loan' from Active to Revoked. Lender Acknowledged HPML Disclosure Escrow account established, and appraisal receipt acknowledged within X days. |
XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXXX. Borrower X has significant job time - Borrower has XX years on job Borrower has stable job time - Borrower has XX years at job. | D | B | C | B | A | A | D | A | C | B | D | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | ||
| 2023010283 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXXX. Borrower X has significant job time - Borrower has XX years on job Borrower has stable job time - Borrower has XX years at job. | D | B | A | A | A | A | D | A | C | B | D | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |||
| 2023010283 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | Consummation or Reimbursement Date Validation Test | 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 reimbursementXXXlculations. This compliance test 'Consummation or Reimbursement Date Validation Test' is no longer tested | This compliance test 'Consummation or Reimbursement Date Validation Test' is no longer tested 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 reimbursementXXXlculations. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXXX. Borrower X has significant job time - Borrower has XX years on job Borrower has stable job time - Borrower has XX years at job. | D | B | C | A | A | A | D | A | C | B | D | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | ||
| 2023010283 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | Initial Loan Estimate Delivery Date Test (from application) | This loan failed the initial loan estimate delivery date test (from application) due to one of the following: ( XX CFR XXX(e)(X)(iii)(A) )The initial loan estimate delivery date is later than the third business day (counting days on which the creditor's offices are open to the public forXXXrrying on substantially all of its business functions) after the creditor or broker receives the consumer's written application.Therefore, if additional disclosures are entered into ComplianceAnalyzer, any values that would change under a valid changed circumstance if the initial loan estimate had been delivered timely, will not reset the baseline for tolerance purposes. The comparable fees for this loan will be X, regardless of the actual values on the disclosure.ThisXXXlculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open forXXXrrying on substantially all of its business functions, as described in §XXX(a)(X) and as it relates to XXX(e)(X)(iii)(A) (initial loan estimate disclosure three business days after application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:As not being open on SundayPLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, ComplianceAnalyzerXXXlculations will presume the company's offices are closed to the public forXXXrrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict.The creditor shall deliver or place in the mail the disclosures required under XXX(e)(X)(i) (provision of loan estimate form) not later than the third business day after the creditor receives the consumer's application. This loan passed the initial loan estimate delivery date test (from application).( XX CFR XXX(e)(X)(iii)(A) )The initial loan estimate delivery date is not later than the third business day (counting days on which the creditor's offices are open to the public forXXXrrying on substantially all of its business functions) after the creditor or broker receives the consumer's written application.ThisXXXlculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open forXXXrrying on substantially all of its business functions, as described in §XXX(a)(X) and as it relates to XXX(e)(X)(iii)(A) (initial loan estimate disclosure three business days after application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:NoneThe creditor shall deliver or place in the mail the disclosures required under XXX(e)(X)(i) (provision of loan estimate form) not later than the third business day after the creditor receives the consumer's application. | This loan passed the initial loan estimate delivery date test (from application).( XX CFR XXX(e)(X)(iii)(A) )The initial loan estimate delivery date is not later than the third business day (counting days on which the creditor's offices are open to the public forXXXrrying on substantially all of its business functions) after the creditor or broker receives the consumer's written application.ThisXXXlculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open forXXXrrying on substantially all of its business functions, as described in §XXX(a)(X) and as it relates to XXX(e)(X)(iii)(A) (initial loan estimate disclosure three business days after application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:As not being open on SundayPLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, ComplianceAnalyzerXXXlculations will presume the company's offices are closed to the public forXXXrrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict.The creditor shall deliver or place in the mail the disclosures required under XXX(e)(X)(i) (provision of loan estimate form) not later than the third business day after the creditor receives the consumer's application. This loan failed the initial loan estimate delivery date test (from application) due to one of the following: ( XX CFR XXX(e)(X)(iii)(A) )The initial loan estimate delivery date is later than the third business day (counting days on which the creditor's offices are open to the public forXXXrrying on substantially all of its business functions) after the creditor or broker receives the consumer's written application.Therefore, if additional disclosures are entered into ComplianceAnalyzer, any values that would change under a valid changed circumstance if the initial loan estimate had been delivered timely, will not reset the baseline for tolerance purposes. The comparable fees for this loan will be X, regardless of the actual values on the disclosure.ThisXXXlculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open forXXXrrying on substantially all of its business functions, as described in §XXX(a)(X) and as it relates to XXX(e)(X)(iii)(A) (initial loan estimate disclosure three business days after application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:As not being open on SundayPLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, ComplianceAnalyzerXXXlculations will presume the company's offices are closed to the public forXXXrrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict.The creditor shall deliver or place in the mail the disclosures required under XXX(e)(X)(i) (provision of loan estimate form) not later than the third business day after the creditor receives the consumer's application. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXXX. Borrower X has significant job time - Borrower has XX years on job Borrower has stable job time - Borrower has XX years at job. | D | B | C | A | A | A | D | A | C | B | D | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | ||
| 2023010283 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | Charges ThatXXXnnot Increase Test | This loan failed the charges thatXXXnnot increase test. (XX CFR XXX(e)(X)(i))The loan contains charges that exceed the good faith determination according to XXX(e)(X)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is X,XXX.Please see the Tolerance Comparison Table that displays the Charges ThatXXXnnot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under XXX(e)(X)(i). This loan passed the charges thatXXXnnot increase test. (XX CFR XXX(e)(X)(i))The loan contains charges that do not exceed the good faith determination according to XXX(e)(X)(i).Please see the Tolerance Comparison Table that displays the Charges ThatXXXnnot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under XXX(e)(X)(i). | This loan passed the charges thatXXXnnot increase test. (XX CFR XXX(e)(X)(i))The loan contains charges that do not exceed the good faith determination according to XXX(e)(X)(i).Please see the Tolerance Comparison Table that displays the Charges ThatXXXnnot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under XXX(e)(X)(i). This loan failed the charges thatXXXnnot increase test. (XX CFR XXX(e)(X)(i))The loan contains charges that exceed the good faith determination according to XXX(e)(X)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is X,XXX.Please see the Tolerance Comparison Table that displays the Charges ThatXXXnnot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under XXX(e)(X)(i). | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXXX. Borrower X has significant job time - Borrower has XX years on job Borrower has stable job time - Borrower has XX years at job. | D | B | C | A | A | A | D | A | C | B | D | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | ||
| 2023010283 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | Charges That In TotalXXXnnot Increase More Than Test | This loan failed the charges that in totalXXXnnot increase more than XX test. (XX CFR XXX(e)(X)(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 XXX(e)(X)(ii). The final charges that in totalXXXnnot increase more than XX (XXX) exceed the comparable charges (XX) by more than XX. Please see the table that displays the Charges ThatXXXnnot Increase More Than XX 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 XXX(e)(X)(i) by more than XX 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 XXX(e)(X)(vi). This loan passed the charges that in totalXXXnnot increase more than XX test. (XX CFR XXX(e)(X)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges were in good faith according to XXX(e)(X)(ii). The final charges that in totalXXXnnot increase more than XX (XXX) do not exceed the comparable charges (XXX) by more than XX. Please see the table that displays the Charges ThatXXXnnot Increase More Than XX 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 XXX(e)(X)(i) by more than XX 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 XXX(e)(X)(vi). | This loan passed the charges that in totalXXXnnot increase more than XX test. (XX CFR XXX(e)(X)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges were in good faith according to XXX(e)(X)(ii). The final charges that in totalXXXnnot increase more than XX (XXX) do not exceed the comparable charges (XXX) by more than XX. Please see the table that displays the Charges ThatXXXnnot Increase More Than XX 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 XXX(e)(X)(i) by more than XX 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 XXX(e)(X)(vi). This loan failed the charges that in totalXXXnnot increase more than XX test. (XX CFR XXX(e)(X)(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 XXX(e)(X)(ii). The final charges that in totalXXXnnot increase more than XX (XXX) exceed the comparable charges (XX) by more than XX. Please see the table that displays the Charges ThatXXXnnot Increase More Than XX 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 XXX(e)(X)(i) by more than XX 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 XXX(e)(X)(vi). | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXXX. Borrower X has significant job time - Borrower has XX years on job Borrower has stable job time - Borrower has XX years at job. | D | B | C | A | A | A | D | A | C | B | D | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | ||
| 2023010283 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | Reimbursement Amount Test | This loan passed the reimbursement amount test. (XX CFR XXX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances. However, the provided reimbursement amount of XX, is sufficient to reimburse the consumer the amount by which the tolerances were exceeded, XX.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under XXX(e)(X)(i) or (ii), the creditor complies with XXX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation, and the creditor complies with XXX if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XX days after consummation. This loan failed the reimbursement amount test. (XX CFR XXX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances and the provided reimbursement amount of XX, is not sufficient to reimburse the consumer the amount by which the tolerances were exceeded, X,XXX.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under XXX(e)(X)(i) or (ii), the creditor complies with XXX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation, and the creditor complies with XXX if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XX days after consummation. | This loan passed the reimbursement amount test. (XX CFR XXX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances. However, the provided reimbursement amount of XX, is sufficient to reimburse the consumer the amount by which the tolerances were exceeded, XX.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under XXX(e)(X)(i) or (ii), the creditor complies with XXX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation, and the creditor complies with XXX if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XX days after consummation. This loan failed the reimbursement amount test. (XX CFR XXX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances and the provided reimbursement amount of XX, is not sufficient to reimburse the consumer the amount by which the tolerances were exceeded, X,XXX.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under XXX(e)(X)(i) or (ii), the creditor complies with XXX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation, and the creditor complies with XXX if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XX days after consummation. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXXX. Borrower X has significant job time - Borrower has XX years on job Borrower has stable job time - Borrower has XX years at job. | D | B | C | A | A | A | D | A | C | B | D | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | ||
| 2023010297 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan ( XX CFR XXX(a)(X) )The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate by or more orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate by or more orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate by or more. | Change severity of 'Higher-Priced Mortgage Loan' from Material to Non-Material. Lender Acknowledged HPML Disclosure Escrow account established, and appraisal receipt acknowledged within X days. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | C | B | C | B | A | A | A | A | C | B | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | ||
| 2023010297 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | C | B | A | A | A | A | A | A | C | B | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |||
| 2023010174 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |
XXX | Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XX years at job. | C | A | A | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010174 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | Borrower Income Verification does not match Approval | XXX through Feb XXX. We need XXX throughXXX XXX. The borrower income verification does not match approval: XXX - XXX.... QuickXXXlc dates are XXXX - XXXX.. | Received copies of XXX throughXXX XXX. Verified amounts - exception cleared. | The borrower income verification does match approval | XXX | Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XX years at job. | C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2023010340 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |
XXX | Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XXX years | C | B | A | A | A | A | C | B | A | A | C | A | C | A | C | A | C | A | C | A | C | A | C | A | C | A | C | A | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||
| 2023010340 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Acknowledged | Property | Appraisal guideline violation | Appraisal guideline violation: Section XXX indicates ineligible property types include properties with less than XXX square feet of living area. The subject property has only XXX sq ft of living area | Received CRSE and uploaded toXXX folder. Exception cleared. | Change severity of 'Appraisal guideline violation' from Material to Non-Material. Change status of 'Appraisal guideline violation' from Active to Acknowledged by Client. Client provided guideline exception allowing for gross living area of XXX square feet based on XXX FICO, payment decreasing by XXX, XXX months in reserves, and XX LTV. XXX: Received CRSE in trailing docs. Exception cleared. |
XXX | Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XXX years | C | B | C | B | A | A | C | B | A | A | C | A | C | A | C | A | C | A | C | A | C | A | C | A | C | A | C | A | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |
| 2023010298 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Credit | Underwriting LTV exceeds Guideline Maximum Allowable | Underwriting LTV of XXX is greater than the maximum allowable guideline LTV of XXX based on a loan amount of XXXXXX and value used for LTV of XX. Change status of 'Underwriting LTV exceeds Guideline Maximum Allowable' from Active to Acknowledged by Client. client LTV exception in file approved on page XXX for loan purpose andXXXsh out maximum perXXX XXX+ is XX LTV subject file LTV XX. |
XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | D | B | C | B | D | B | D | A | A | A | D | C | D | A | D | D | D | A | D | C | D | A | D | D | D | A | D | D | D | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||
| 2023010298 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Credit | Underwriting CLTV exceeds Guideline Maximum Allowable | Underwriting CLTV of XXX is greater than the maximum allowable guideline CLTV of XXX. Change status of 'Underwriting CLTV exceeds Guideline Maximum Allowable' from Active to Acknowledged by Client. Cleint approved exception for loan purposeXXXsh out XXX + max LTV XX subject loan LTV XX- exception approved per page XXX. |
XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | D | B | C | B | D | B | D | A | A | A | D | C | D | A | D | D | D | A | D | C | D | A | D | D | D | A | D | D | D | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||
| 2023010298 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | Third Party Valuation Product Not Provided and CU Score is Greater Than 2.X | Third Party Valuation Product Not Provided and CU Score is XX. | Secondary Product Provided | XXX | Exception resolved | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | D | B | D | A | D | B | D | A | A | A | D | C | D | A | D | D | D | A | D | C | D | A | D | D | D | A | D | D | D | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A |
| 2023010298 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | Third Party Valuation Product Not Provided and FHLMC Collateral Rep &XXXrrant Relief is Not Eligible or Unavailable. | Third Party Valuation Product Not Provided and XXX Collateral Rep &XXXrrant Relief is Not Eligible. | Secondary Product Provided | XXX | Exception resolved | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | D | B | D | A | D | B | D | A | A | A | D | C | D | A | D | D | D | A | D | C | D | A | D | D | D | A | D | D | D | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A |
| 2023010298 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | Third Party Valuation Product not Provided | Third Party Valuation Product not Provided to Support Origination Appraised Value within XX. | Secondary Product Provided | XXX | Exception resolved | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | D | B | D | A | D | B | D | A | A | A | D | C | D | A | D | D | D | A | D | C | D | A | D | D | D | A | D | D | D | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A |
| 2023010298 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |
XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | D | B | A | A | D | B | D | A | A | A | D | C | D | A | D | D | D | A | D | C | D | A | D | D | D | A | D | D | D | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||
| 2023010298 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | Borrower Liabilities Verification Indicator is Partial | Borrower liabilities verified indicator is Partial- ProvideXXX documentation for REO XXX for new AOM mortgage for review and DTI re-calculation if necessary. | Received copy of final CD dated X/XXXX for XX Baymont St. Confirmed amount - exception cleared. | Borrower liabilities verified indicator is Present | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | D | B | D | A | D | B | D | A | A | A | D | C | D | A | D | D | D | A | D | C | D | A | D | D | D | A | D | D | D | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |
| 2023010319 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |
XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XXX years at job. | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010319 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XXX years at job. | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010319 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XXX years at job. | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010284 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |
XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower has stable job time - Borrower has XX years at job. | D | B | A | A | C | B | D | A | A | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | D | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||
| 2023010284 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Credit | Housing history does not meet guidelines | Housing history does not meet guidelines. Client provided a guideline exception allowing for X month houisng history for lot rents (living in RV) outside ofXXX XX month housing history. See page XXX for exception approval. Change status of 'Housing history does not meet guidelines' from Active to Acknowledged by Client. Housing history does not meet guidelines. Client provided a guideline exception allowing for X month houisng history for lot rents (living in RV) outside ofXXX XX month housing history. See page XXX for exception approval. |
Change severity of 'Housing history does not meet guidelines' from Material to Non-Material. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower has stable job time - Borrower has XX years at job. | D | B | C | B | C | B | D | A | A | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | D | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | ||
| 2023010284 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | Third Party Valuation Product Not Provided and FHLMC Collateral Rep &XXXrrant Relief is Not Eligible or Unavailable. | Third Party Valuation Product Not Provided and XXX Collateral Rep &XXXrrant Relief is Not Eligible. Third Party Valuation Product Provided. | Per Lender Guidelines, not applicable. CU score is X. Exception cleared. | Third Party Valuation Product Provided. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower has stable job time - Borrower has XX years at job. | D | B | D | A | C | B | D | A | A | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | D | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |
| 2023010285 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |
XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010285 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010320 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |
XXX | Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXXX are greater than the Guideline Minimum of XX or XXXX. | D | A | A | A | D | A | A | A | A | A | C | C | A | A | D | D | A | A | C | C | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010320 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | XXX | Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXXX are greater than the Guideline Minimum of XX or XXXX. | D | A | A | A | D | A | A | A | A | A | C | C | A | A | D | D | A | A | C | C | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010320 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Credit | Final Loan Application is Partial | Final XXX incomplete and needs all mortgages and mortgage amounts listed on final XXX. Final Loan Application is Partial | Received fully outline final XXX showing Primary Residence and Second Home to include in theXXXlculation. Updated - Exception cleared. | Final Loan Application is Present | XXX | Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXXX are greater than the Guideline Minimum of XX or XXXX. | D | A | D | A | D | A | A | A | A | A | C | C | A | A | D | D | A | A | C | C | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2023010286 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | Borrower Employment Verification does not meet guidelines | CPA letter confirming percentage of ownership is required. There is no CPA letter in the file. | Received copy of LLC documentation. Copy of CPA letter is not required (per guidelines) if other valid documentation provided to verify business. Exception cleared. | Received copy of LLC documentation. Copy of CPA letter is not required (per guidelines) if other valid documentation provided to verify business. Exception cleared. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has stable job time - Borrower has XX years at job. | D | B | C | A | C | A | D | B | C | B | D | C | D | C | D | C | D | C | D | C | D | C | D | C | D | C | D | C | D | C | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | |
| 2023010286 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | Third Party Valuation Product not Provided | Subject propertyXXXs purchased XXX. A CDA is required. Lender Guidelines Dated XXX: XXXXXXsh-Out Refinance: The property must have been purchased (or acquired) by the borrower at least twelve (XX) months prior to the disbursement of the new mortgage. All Occupancy Types: Cash-out transactions require a minimum of six (X) months seasoning. The loan to value will be based off of the appraised value if: • The Property has been owned for at least XX months, or • The property has been owned for less than XX months, but at least X months, and XXX orders a CDA which must acceptably support the appraised value |
Collateral Desktop Review provided. Updating loan | Third Party Valuation Product Provided | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has stable job time - Borrower has XX years at job. | D | B | D | A | C | A | D | B | C | B | D | C | D | C | D | C | D | C | D | C | D | C | D | C | D | C | D | C | D | C | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | |
| 2023010286 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | TX Constitution A6 Total Indebtedness Test | This loan failed the total indebtedness test due to one of the following findings: (Texas Constitution, Article XX, Section XX (a)(X)(B), as XXX Sept. XXX)The loan is of a principal amount that when added to the total of all outstanding principal balances secured by valid liens against the homestead exceeds XX of the fair market value of the homestead on the date the extension of credit is made.No CLTV ratioXXXs provided. ForXXX Constitution AX this information is required to determine if the loan is of a principal amount that when added to the total of all outstanding principal balances secured by valid liens against the homestead exceeds XX of the fair market value of the homestead on the date the extension of credit is made. |
ComplianceEaseXXXs completed prior to adding all information into the system. The LTV/CLTVXXXs not populating before CE completed. Re-ran - exception cleared. | This loan passed the total indebtedness test. (Texas Constitution, Article XX, Section XX (a)(X)(B), as XXX Sept. XXX) The loan is of a principal amount that when added to the total of all outstanding principal balances secured by valid liens against the homestead does not exceed XX of the fair market value of the homestead on the date the extension of credit is made. |
XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has stable job time - Borrower has XX years at job. | D | B | C | A | C | A | D | B | C | B | D | C | D | C | D | C | D | C | D | C | D | C | D | C | D | C | D | C | D | C | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | |
| 2023010286 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan ( XX CFR XXX(a)(X) )The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate by or more orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate by or more orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate by or more. | Escrow account established and appraisal receipt acknowledged within X days. | Change severity of 'Higher-Priced Mortgage Loan' from Material to Non-Material. Lender Acknowledged HPML Disclosure Escrow account established, and appraisal receipt acknowledged within X days. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has stable job time - Borrower has XX years at job. | D | B | C | B | C | A | D | B | C | B | D | C | D | C | D | C | D | C | D | C | D | C | D | C | D | C | D | C | D | C | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | |
| 2023010286 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | Fraud Report Shows Uncleared Alerts | Alerts from Fraud Report have been cleared. Liens not reporting on personal credit report, do not need to be included in DTI. Fraud report shows the following alerts that have not been cleared: XXX XXX XXX XXXX reporting on fraud and final URLA. XXX #XXX for XXX with a monthly payment of XXX is listed on final URLA. File is XXXmortgage statement, taxes, hoi and hoa to confirmXXX. Hometown Equity #XXX is not reporting on credit report. This mortgage is also listed on the final URLA pg XX as a lien against the subject property. This appears to be a mistake, as title does not show a Xnd lien, however no notes or reconciliation listed in file. Page XXX LoanSafe Fraud report shows the following alerts that have not been cleared/addressed: Borrowers Business XXX & Assoc Owner of Properties: Purchased XXX XXX XXX Loan Amount XXX. Purchased XXX XXX Loan Amount XXX. Purchased XXX XXX Amount XXX. Purchased XXX XXX Amount X XXX. Purchased X/XXX Loan Amount XXX. Purchased XXX XXX Loan Amount XXX. |
Received LOX with updated XXX and XXX. XXX XXX Texas purchased X/XXXX - Hometown Equity first payment letter follows. Please note payment includes PITI. Tax Bill and Zillow indicate SFR - no HOA. System is showing this property linked to Hometown equity lien. Exception cleared. | Alerts from Fraud Report have been cleared. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has stable job time - Borrower has XX years at job. | D | B | C | A | C | A | D | B | C | B | D | C | D | C | D | C | D | C | D | C | D | C | D | C | D | C | D | C | D | C | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | |
| 2023010286 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Property | Title Issues Present | The following issues were noted: XX-month Seasoning requirement forXXXsh out has not been met. Per title, fraud guard and credit report, XX-month chain of title shows borrower purchased subject property July XX, XXX. There is no exception in file. Lender Matrix Dated XXX: XX months seasoning required Lender Guidelines Dated XXX: XXXXXXsh-Out Refinance: The property must have been purchased (or acquired) by the borrower at least twelve (XX) months prior to the disbursement of the new mortgage. All Occupancy Types: Cash-out transactions require a minimum of six (X) months seasoning. The loan to value will be based off of the appraised value if: • The Property has been owned for at least XX months, or • The property has been owned for less than XX months, but at least X months, and XXX orders a CDA which must acceptably support the appraised value |
Received updated CRSE. Client acknowledges - Credit-Payment History (Housing). Guidelines - XX Actual - X. Rationale - Borrower purchased subject property X months ago, prior to that borrower resided in subject property. Compensating Factors: XXX (housing Ratio) or XXX (Total) Borrower with same Employer/Business for X years Qualifying Payment Shock is XXX Verified Reserves are XX Residual Income of XXXX. Acknowledged by client. | Change severity of 'Title Issues Present' from Material to Non-Material. Change status of 'Title Issues Present' from Active to Acknowledged by Client. Received updated CRSE. client acknowledges - Credit-Payment History (Housing). Guidelines - XX Actual - X. Rationale - Borrower purchased subject property X months ago, prior to that borrower resided in subject property. Compensating Factors: XXX (Housing Ratio) or XXX (Total) Borrower with same Employer/Business for X years Qualifying Payment Shock is XXX Verified Reserves are XX Residual Income of XXXX. Acknowledged by client. |
XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has stable job time - Borrower has XX years at job. | D | B | C | B | C | A | D | B | C | B | D | C | D | C | D | C | D | C | D | C | D | C | D | C | D | C | D | C | D | C | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | |
| 2023010286 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | Housing history does not meet guidelines | Housing history does not meet guidelines. Lender guidelines require residential pay history of XXX. Select Portfolio #XXX originated XXXX. X month mortgage review found on credit report page XXX. |
Received LOX. Gap credit shows mortgage payment history updated to XXX. Evidence of rent from Feb XXX-June XXXXXs included. Reviewed - Exception cleared. | Housing delinquency meets guidelines. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has stable job time - Borrower has XX years at job. | D | B | C | A | C | A | D | B | C | B | D | C | D | C | D | C | D | C | D | C | D | C | D | C | D | C | D | C | D | C | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | |
| 2023010299 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |
XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010299 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010168 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |
XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010168 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010321 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Credit | Borrower Employment Verification does not meet guidelines | Section XXX of the portfolio program guidelines indicates that joint accountsXXXn not be used under the personal XXXs provided | Change status of 'Borrower Employment Verification does not meet guidelines' from Active to Acknowledged by Client. Received updated CRSE - Exception Type : Assets-Account Ownership. Guidelines - Personal joint statements not allowed Actual - Joint statements used. Rationale - Both borrowers are on the loan, so ok with using joint statements for personal program. Compensating Factors : Qualifying Credit Score is XXX XXX (Housing Ratio) or XXX (Total) Borrower with same Employer/Business for XX years Monthly housing payment is changing by -XXXX monthly Qualifying Payment Shock is -XX Verified Reserves are XX Residual Income of XXX Qualifying LTV is XX. Acknowledged by Client. |
XXX | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | D | B | C | B | C | B | D | A | A | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | D | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |
| 2023010321 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |
XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | D | B | A | A | C | B | D | A | A | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | D | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||
| 2023010162 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |
XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010162 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010300 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | Title Issues Present | The following issues were noted: Guidelines section XXXXXXsh out Refinance require the property to have been owned for at least XX months or at least X months with a CDA supporting the property value. The borrower purchased the property on X/XXXX and no CDAXXXs in file | Received copy of CDA dated XXX supporting XXXXX value. Exception cleared. | Change status of 'Title Issues Present' from Active to Cured Post Close. Received copy of CDA dated XXX supporting XXXXX value. Exception cleared |
XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Borrower has more than X years at current residence - Borrower at current residence XX years | C | A | C | A | A | A | C | A | C | A | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2023010287 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |
XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010287 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010301 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |
XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | C | A | A | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010301 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | Borrower Income Verification does not match Approval | The borrower income verification does not match approval. XXX/XXXX bank statement. | Received copy of X/XXXX XXX. Reviewed/confirmed - Exception cleared | The borrower income verification does match approval | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2023010288 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | Third Party Valuation Product Not Provided and CU Score is Greater Than 2.X | Third Party Valuation Product Not Provided and CU Score is XX. | Secondary Product Provided | XXX | Exception resolved | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. | D | A | D | A | A | A | D | A | A | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2023010288 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |
XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXX are greater than the Guideline Minimum of XX or XXXX. Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. | D | A | A | A | A | A | D | A | A | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010322 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan ( XX CFR XXX(a)(X) )The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate by or more orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate by or more orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate by or more. Change severity of 'Higher-Priced Mortgage Loan' from Material to Non-Material. Escrow account established, and appraisal receipt acknowledged within X days. | Escrow account established, and appraisal receipt acknowledged within X days. | XXX | C | B | C | B | A | A | A | A | C | B | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |||
| 2023010322 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | XXX | C | B | A | A | A | A | A | A | C | B | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | ||||
| 2023010322 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | XXX | C | B | A | A | A | A | A | A | C | B | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | ||||
| 2023010169 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | Borrower Liabilities Verification Indicator is Partial | Borrower liabilities verified indicator is Partial : XXXmortgage statement to show properties are escrowed or taxes/insurance for the following: XXX XXX , XXX XXX , XXX XXX , XXX XXX , and CD from the purchase ofXXX. | We received copies of mortgage statements on several properties showing insurance and Taxes are included in the monthly payment. Exception cleared. | Borrower liabilities verified indicator is Present | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXXX are greater than the Guideline Minimum of XX or XXX. Borrower has stable job time - Borrower has XX years at job. | D | A | D | A | D | A | C | A | A | A | C | C | C | A | D | D | C | A | C | C | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2023010169 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |
XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXXX are greater than the Guideline Minimum of XX or XXX. Borrower has stable job time - Borrower has XX years at job. | D | A | A | A | D | A | C | A | A | A | C | C | C | A | D | D | C | A | C | C | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010169 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | Title Issues Present | The following issues were noted: Note and DOT executed in LLC,XXX Property LLC , by XXX R. XXX III, XXX in LLC on title comt lender to provide title XXX in LLC. | Received updated Title Commitment showing LLC as XXX info. Exception cleared. | The exception 'Title Issues Present' is cleared. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXXX are greater than the Guideline Minimum of XX or XXX. Borrower has stable job time - Borrower has XX years at job. | D | A | C | A | D | A | C | A | A | A | C | C | C | A | D | D | C | A | C | C | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2023010170 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |
XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXXX. Borrower has stable job time - Borrower has XX years at job. | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010170 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXXX. Borrower has stable job time - Borrower has XX years at job. | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010198 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |
XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Borrower has more than X years at current residence - Borrower at current residence XX years | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010198 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Borrower has more than X years at current residence - Borrower at current residence XX years | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010198 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Borrower has more than X years at current residence - Borrower at current residence XX years | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010302 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan ( XX CFR XXX(a)(X) )The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate by or more orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate by or more orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate by or more. | Change severity of 'Higher-Priced Mortgage Loan' from Material to Non-Material. Lender Acknowledged HPML Disclosure Escrow account established, and appraisal receipt acknowledged within X days. | XXX | Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. | C | B | C | B | A | A | A | A | C | B | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | ||
| 2023010302 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | XXX | Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. | C | B | A | A | A | A | A | A | C | B | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |||
| 2023010302 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | Consummation or Reimbursement Date Validation Test | 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 reimbursementXXXlculations. This compliance test 'Consummation or Reimbursement Date Validation Test' is no longer tested | This compliance test 'Consummation or Reimbursement Date Validation Test' is no longer tested | XXX | Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. | C | B | C | A | A | A | A | A | C | B | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | ||
| 2023010302 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | RESPA Homeownership Counseling Organizations Disclosure Date Test | This loan passed the homeownership counseling organizations disclosure date test. ( XX CFR XXX(a) )The loan has a homeownership counseling organizations disclosure date that is within three business days of the loan originator's application date, and the homeownership counseling organizations disclosure date is on or before the closing date.Not later than three business days after a lender, mortgage broker, or dealer receives an application, or information sufficient to complete an application, the lender must provide the loan applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. The list of homeownership counseling organizations distributed to each loan applicant under this section shall be obtained no earlier than XX days prior to the time when the list is provided to the loan applicant from either:(X)The website maintained by the Bureau for lenders to use in complying with the requirements of this section or(X)Data made available by the Bureau or HUD for lenders to use in complying with the requirements of this section, provided that the data is used in accordance with instructions provided with the data.ThisXXXlculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open forXXXrrying on substantially all of its business functions, as described in §XXX(b) and as it relates to XXX (list of homeownership counseling organizations provided not later than X business days after a loan originator receives an application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:As not being open on SundayPLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, ComplianceAnalyzerXXXlculations will presume the company's offices are closed to the public forXXXrrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict.Please note: This test does not validate the content of any list of homeownership counseling organizations. This loan failed the homeownership counseling organizations disclosure date test due to the following findings: ( XX CFR XXX(a) )The loan has a homeownership counseling organizations disclosure date that is not within three business days of the loan originator's application date (or the date creditor received application if loan originator's application date is not provided) orThe homeownership counseling organizations disclosure date is after the closing date.Not later than three business days after a lender, mortgage broker, or dealer receives an application, or information sufficient to complete an application, the lender must provide the loan applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. The list of homeownership counseling organizations distributed to each loan applicant under this section shall be obtained no earlier than XX days prior to the time when the list is provided to the loan applicant from either:(X)The website maintained by the Bureau for lenders to use in complying with the requirements of this section or(X)Data made available by the Bureau or HUD for lenders to use in complying with the requirements of this section, provided that the data is used in accordance with instructions provided with the data.ThisXXXlculation take into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open forXXXrrying on substantially all of its business functions, as described in §XXX(b) and as it relates to XXX (list of homeownership counseling organizations provided not later than X business days after a loan originator receives an application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:NonePlease note: This test does not validate the content of any list of homeownership counseling organizations. | This loan passed the homeownership counseling organizations disclosure date test. ( XX CFR XXX(a) )The loan has a homeownership counseling organizations disclosure date that is within three business days of the loan originator's application date, and the homeownership counseling organizations disclosure date is on or before the closing date.Not later than three business days after a lender, mortgage broker, or dealer receives an application, or information sufficient to complete an application, the lender must provide the loan applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. The list of homeownership counseling organizations distributed to each loan applicant under this section shall be obtained no earlier than XX days prior to the time when the list is provided to the loan applicant from either:(X)The website maintained by the Bureau for lenders to use in complying with the requirements of this section or(X)Data made available by the Bureau or HUD for lenders to use in complying with the requirements of this section, provided that the data is used in accordance with instructions provided with the data.ThisXXXlculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open forXXXrrying on substantially all of its business functions, as described in §XXX(b) and as it relates to XXX (list of homeownership counseling organizations provided not later than X business days after a loan originator receives an application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:As not being open on SundayPLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, ComplianceAnalyzerXXXlculations will presume the company's offices are closed to the public forXXXrrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict.Please note: This test does not validate the content of any list of homeownership counseling organizations. | XXX | Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. | C | B | B | A | A | A | A | A | C | B | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | ||
| 2023010302 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | Initial Loan Estimate Delivery Date Test (from application) | This loan failed the initial loan estimate delivery date test (from application) due to one of the following: ( XX CFR XXX(e)(X)(iii)(A) )The initial loan estimate delivery date is later than the third business day (counting days on which the creditor's offices are open to the public forXXXrrying on substantially all of its business functions) after the creditor or broker receives the consumer's written application.Therefore, if additional disclosures are entered into ComplianceAnalyzer, any values that would change under a valid changed circumstance if the initial loan estimate had been delivered timely, will not reset the baseline for tolerance purposes. The comparable fees for this loan will be X, regardless of the actual values on the disclosure.ThisXXXlculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open forXXXrrying on substantially all of its business functions, as described in §XXX(a)(X) and as it relates to XXX(e)(X)(iii)(A) (initial loan estimate disclosure three business days after application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:NoneThe creditor shall deliver or place in the mail the disclosures required under XXX(e)(X)(i) (provision of loan estimate form) not later than the third business day after the creditor receives the consumer's application. This loan passed the initial loan estimate delivery date test (from application).( XX CFR XXX(e)(X)(iii)(A) )The initial loan estimate delivery date is not later than the third business day (counting days on which the creditor's offices are open to the public forXXXrrying on substantially all of its business functions) after the creditor or broker receives the consumer's written application.ThisXXXlculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open forXXXrrying on substantially all of its business functions, as described in §XXX(a)(X) and as it relates to XXX(e)(X)(iii)(A) (initial loan estimate disclosure three business days after application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:As not being open on SundayPLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, ComplianceAnalyzerXXXlculations will presume the company's offices are closed to the public forXXXrrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict.The creditor shall deliver or place in the mail the disclosures required under XXX(e)(X)(i) (provision of loan estimate form) not later than the third business day after the creditor receives the consumer's application. | This loan passed the initial loan estimate delivery date test (from application).( XX CFR XXX(e)(X)(iii)(A) )The initial loan estimate delivery date is not later than the third business day (counting days on which the creditor's offices are open to the public forXXXrrying on substantially all of its business functions) after the creditor or broker receives the consumer's written application.ThisXXXlculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open forXXXrrying on substantially all of its business functions, as described in §XXX(a)(X) and as it relates to XXX(e)(X)(iii)(A) (initial loan estimate disclosure three business days after application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:As not being open on SundayPLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, ComplianceAnalyzerXXXlculations will presume the company's offices are closed to the public forXXXrrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict.The creditor shall deliver or place in the mail the disclosures required under XXX(e)(X)(i) (provision of loan estimate form) not later than the third business day after the creditor receives the consumer's application. | XXX | Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. | C | B | C | A | A | A | A | A | C | B | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | ||
| 2023010302 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | Charges ThatXXXnnot Increase Test | This loan passed the charges thatXXXnnot increase test. (XX CFR XXX(e)(X)(i))The loan contains charges that do not exceed the good faith determination according to XXX(e)(X)(i).Please see the Tolerance Comparison Table that displays the Charges ThatXXXnnot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under XXX(e)(X)(i). This loan failed the charges thatXXXnnot increase test. (XX CFR XXX(e)(X)(i))The loan contains charges that exceed the good faith determination according to XXX(e)(X)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is X,XXX.Please see the Tolerance Comparison Table that displays the Charges ThatXXXnnot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under XXX(e)(X)(i). This loan failed the charges thatXXXnnot increase test. (XX CFR XXX(e)(X)(i))The loan contains charges that exceed the good faith determination according to XXX(e)(X)(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 ThatXXXnnot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under XXX(e)(X)(i). | This loan passed the charges thatXXXnnot increase test. (XX CFR XXX(e)(X)(i))The loan contains charges that do not exceed the good faith determination according to XXX(e)(X)(i).Please see the Tolerance Comparison Table that displays the Charges ThatXXXnnot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under XXX(e)(X)(i). | XXX | Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. | C | B | C | A | A | A | A | A | C | B | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | ||
| 2023010302 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | Charges That In TotalXXXnnot Increase More Than Test | This loan failed the charges that in totalXXXnnot increase more than XX test. (XX CFR XXX(e)(X)(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 XXX(e)(X)(ii). The final charges that in totalXXXnnot increase more than XX (X,XXX) exceed the comparable charges (XX) by more than XX. Please see the table that displays the Charges ThatXXXnnot Increase More Than XX 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 XXX(e)(X)(i) by more than XX 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 XXX(e)(X)(vi). This loan passed the charges that in totalXXXnnot increase more than XX test. (XX CFR XXX(e)(X)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges were in good faith according to XXX(e)(X)(ii). The final charges that in totalXXXnnot increase more than XX (XXX) do not exceed the comparable charges (XXX) by more than XX. Please see the table that displays the Charges ThatXXXnnot Increase More Than XX 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 XXX(e)(X)(i) by more than XX 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 XXX(e)(X)(vi). | This loan passed the charges that in totalXXXnnot increase more than XX test. (XX CFR XXX(e)(X)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges were in good faith according to XXX(e)(X)(ii). The final charges that in totalXXXnnot increase more than XX (XXX) do not exceed the comparable charges (XXX) by more than XX. Please see the table that displays the Charges ThatXXXnnot Increase More Than XX 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 XXX(e)(X)(i) by more than XX 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 XXX(e)(X)(vi). | XXX | Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. | C | B | C | A | A | A | A | A | C | B | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | ||
| 2023010302 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | Reimbursement Amount Test | This loan failed the reimbursement amount test. (XX CFR XXX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances and the provided reimbursement amount of XX, is not sufficient to reimburse the consumer the amount by which the tolerances were exceeded, XX,XXX.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under XXX(e)(X)(i) or (ii), the creditor complies with XXX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation, and the creditor complies with XXX if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XX days after consummation. This loan failed the reimbursement amount test. (XX CFR XXX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances and the provided reimbursement amount of XX, is not sufficient to reimburse the consumer the amount by which the tolerances were exceeded, XXX.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under XXX(e)(X)(i) or (ii), the creditor complies with XXX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation, and the creditor complies with XXX if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XX days after consummation. This loan failed the reimbursement amount test. (XX CFR XXX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances and the provided reimbursement amount of XX, is not sufficient to reimburse the consumer the amount by which the tolerances were exceeded, XX,XXX.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under XXX(e)(X)(i) or (ii), the creditor complies with XXX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation, and the creditor complies with XXX if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XX days after consummation. This loan passed the reimbursement amount test. (XX CFR XXX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances. However, the provided reimbursement amount of XX, is sufficient to reimburse the consumer the amount by which the tolerances were exceeded, XX.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under XXX(e)(X)(i) or (ii), the creditor complies with XXX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation, and the creditor complies with XXX if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XX days after consummation. | This loan passed the reimbursement amount test. (XX CFR XXX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances. However, the provided reimbursement amount of XX, is sufficient to reimburse the consumer the amount by which the tolerances were exceeded, XX.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under XXX(e)(X)(i) or (ii), the creditor complies with XXX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation, and the creditor complies with XXX if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XX days after consummation. | XXX | Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. | C | B | C | A | A | A | A | A | C | B | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | ||
| 2023010302 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | Written List of Service Providers Disclosure Date Test | This loan failed the written list of service providers disclosure date test for one or more of the following reasons: ( XX CFR XXX(e)(X)(vi) )The written list of service providers disclosure date is either:Less than the seventh business day (counting allXXXlendar days except Sunday and specified legal public holidays) before consummation of the transaction orLater than the third business day (counting days on which the creditor's offices are open to the public forXXXrrying on substantially all of its business functions)ThisXXXlculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open forXXXrrying on substantially all of its business functions, as described in XXX(e)(X)(e)(X)(iii) §XXX(a)(X) and as it relates to XXX(a)(X)(vi) (which references the timing requirements for the loan estimate disclosure three business days after application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:NoneAs not being open on PLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, ComplianceAnalyzerXXXlculations will presume the company's offices are closed to the public forXXXrrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict.If the consumer is permitted to shop for a settlement service, the creditor shall provide the consumer with a written list identifying available providers of that settlement service and stating that the consumer may choose a different provider for that service. The creditor must identify at least one available provider for each settlement service for which the consumer is permitted to shop. The creditor shall provide this written list of settlement service providers separately from the disclosures required by XXX(e)(X)(e)(X)(i) but in accordance with the timing requirements in XXX(e)(X)(e)(X)(iii). This loan passed the written list of service providers disclosure date test due to the following reasons: ( XX CFR XXX(e)(X)(vi) )The written list of service providers disclosure date is not less than the seventh business day (counting allXXXlendar days except Sunday and specified legal public holidays) before consummation of the transaction andThe written list of service providers disclosure date is not later than the third business day (counting days on which the creditor's offices are open to the public forXXXrrying on substantially all of its business functions) after the creditor or mortgage broker receives the consumer's written application.ThisXXXlculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open forXXXrrying on substantially all of its business functions, as described in §XXX(a)(X) and as it relates to XXX(a)(X)(vi) (which references the timing requirements for the loan estimate disclosure three business days after application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:NoneAs not being open on PLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, ComplianceAnalyzerXXXlculations will presume the company's offices are closed to the public forXXXrrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict.If the consumer is permitted to shop for a settlement service, the creditor shall provide the consumer with a written list identifying available providers of that settlement service and stating that the consumer may choose a different provider for that service. The creditor must identify at least one available provider for each settlement service for which the consumer is permitted to shop. The creditor shall provide this written list of settlement service providers separately from the disclosures required by XXX(e)(X)(e)(X)(i) but in accordance with the timing requirements in XXX(e)(X)(e)(X)(iii). | This loan passed the written list of service providers disclosure date test due to the following reasons: ( XX CFR XXX(e)(X)(vi) )The written list of service providers disclosure date is not less than the seventh business day (counting allXXXlendar days except Sunday and specified legal public holidays) before consummation of the transaction andThe written list of service providers disclosure date is not later than the third business day (counting days on which the creditor's offices are open to the public forXXXrrying on substantially all of its business functions) after the creditor or mortgage broker receives the consumer's written application.ThisXXXlculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open forXXXrrying on substantially all of its business functions, as described in §XXX(a)(X) and as it relates to XXX(a)(X)(vi) (which references the timing requirements for the loan estimate disclosure three business days after application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:NoneAs not being open on PLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, ComplianceAnalyzerXXXlculations will presume the company's offices are closed to the public forXXXrrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict.If the consumer is permitted to shop for a settlement service, the creditor shall provide the consumer with a written list identifying available providers of that settlement service and stating that the consumer may choose a different provider for that service. The creditor must identify at least one available provider for each settlement service for which the consumer is permitted to shop. The creditor shall provide this written list of settlement service providers separately from the disclosures required by XXX(e)(X)(e)(X)(i) but in accordance with the timing requirements in XXX(e)(X)(e)(X)(iii). | XXX | Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. | C | B | C | A | A | A | A | A | C | B | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | ||
| 2023010303 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |
XXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||||
| 2023010303 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | XXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||||
| 2023010187 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan ( XX CFR XXX(a)(X) )The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate by or more orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate by or more orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate by or more. | Escrow account established and appraisal receipt acknowledged within X days. | Change severity of 'Higher-Priced Mortgage Loan' from Material to Non-Material. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. | D | B | C | B | A | A | D | A | C | B | D | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |
| 2023010187 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. | D | B | A | A | A | A | D | A | C | B | D | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |||
| 2023010304 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XX is less than the Guideline DTI of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has stable job time - Borrower has XX years at job. | C | A | A | A | A | A | A | A | C | A | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010398 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |
XXX | Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has stable job time - Borrower has XX years at job. | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010398 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | XXX | Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has stable job time - Borrower has XX years at job. | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010305 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |
XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has stable job time - Borrower has XX years at job. | C | A | A | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010305 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | Hazard Insurance Coverage is Not Sufficient. | The state ofXXXorida enacted a statute effective XXX that does not allow the insurance company to disclose guaranteed replacement coverage or the replacement cost estimator. Exception Cleared. Hazard insurance coverage of XXXX is not sufficent. The subject loan amount is XXX with the hazard insurance replacement coverage of No and estimated replacement value from insurance company was not provided. | Hazard insurance coverage is sufficient. The state ofXXXorida enacted a statute effective XXX that does not allow the insurance company to disclose guaranteed replacement coverage or the replacement cost estimator. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has stable job time - Borrower has XX years at job. | C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2023010323 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan ( XX CFR XXX(a)(X) )The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate by or more orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate by or more orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate by or more. | Escrow account established, and appraisal receipt acknowledged within X days. | Change severity of 'Higher-Priced Mortgage Loan' from Material to Non-Material. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. | C | B | C | B | A | A | A | A | C | B | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |
| 2023010323 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. | C | B | A | A | A | A | A | A | C | B | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |||
| 2023010323 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. | C | B | A | A | A | A | A | A | C | B | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |||
| 2023010171 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |
XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower has stable job time - Borrower has XX years at job. | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010171 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower has stable job time - Borrower has XX years at job. | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010176 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXXX. Borrower X has significant job time - Borrower has XX years on job Borrower has stable job time - Borrower has XX years at job. | D | B | A | A | A | A | D | A | C | B | D | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |||
| 2023010176 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | Higher-Priced Mortgage Loan | Lender Acknowledged HPML Disclosure Escrow account established, and appraisal receipt acknowledged within X days. Higher-Priced Mortgage Loan ( XX CFR XXX(a)(X) )The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate by or more orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate by or more orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate by or more. Change severity of 'Higher-Priced Mortgage Loan' from Material to Non-Material. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXXX. Borrower X has significant job time - Borrower has XX years on job Borrower has stable job time - Borrower has XX years at job. | D | B | C | B | A | A | D | A | C | B | D | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |||
| 2023010306 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Credit | Qualifying DTI exceeds Guideline Maximum Allowable | Qualifying DTI of XXX exceeds guideline maximum of XXX. | Received updated CRSE - Program-Debt Ratios. Guidelines: XX when LTV >XX. Actual: XXX. Rationale - Comp factors reserves and VOM XXX mo. Compensating Factors: Qualifying Credit Score is XXX Residual Income of XXX. Acknowledged by client. | Change severity of 'Qualifying DTI exceeds Guideline Maximum Allowable' from Material to Non-Material. Change status of 'Qualifying DTI exceeds Guideline Maximum Allowable' from Active to Acknowledged by Client. Received updated CRSE - Program-Debt Ratios. Guidelines: XX when LTV >XX Actual: XXX. Rationale - Comp factors reserves and VOM XX mo. Compensating Factors: Qualifying Credit Score is XXX Residual Income of XXX. Acknowledged by Client |
XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. | C | B | C | B | C | B | A | A | C | A | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |
| 2023010324 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Compliance | Higher-Priced Mortgage Loan Test | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has stable job time - Borrower has XX years at job. | D | B | C | B | A | A | D | A | C | B | D | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | ||||
| 2023010324 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has stable job time - Borrower has XX years at job. | D | B | A | A | A | A | D | A | C | B | D | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |||
| 2023010307 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan ( XX CFR XXX(a)(X) )The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate by or more orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate by or more orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate by or more. | Change severity of 'Higher-Priced Mortgage Loan' from Material to Non-Material. Lender Acknowledged HPML Diclosure Escrow account established, and appraisal receipt acknowledged within X days. | XXX | Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Borrower has stable job time - Borrower has XX years at job. | C | B | C | B | A | A | A | A | C | B | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | ||
| 2023010307 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | XXX | Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Borrower has stable job time - Borrower has XX years at job. | C | B | A | A | A | A | A | A | C | B | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |||
| 2023010308 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |
XXX | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010308 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | XXX | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010325 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan ( XX CFR XXX(a)(X) )The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate by or more orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate by or more orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate by or more. | Escrow account established, and appraisal receipt acknowledged within X days. | Change severity of 'Higher-Priced Mortgage Loan' from Material to Non-Material. | XXX | Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXX are greater than the Guideline Minimum of XX or XXXX. Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XX years at job. | C | B | C | B | A | A | A | A | C | B | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |
| 2023010325 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | XXX | Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXX are greater than the Guideline Minimum of XX or XXXX. Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XX years at job. | C | B | A | A | A | A | A | A | C | B | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |||
| 2023010325 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | XXX | Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXX are greater than the Guideline Minimum of XX or XXXX. Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XX years at job. | C | B | A | A | A | A | A | A | C | B | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |||
| 2023010184 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan ( XX CFR XXX(a)(X) )The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate by or more orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate by or more orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate by or more. Lender Acknowledged HPML Disclosure Escrow account established, and appraisal receipt acknowledged within X days. | Lender Acknowledged HPML Disclosure Escrow account established, and appraisal receipt acknowledged within X days. | Change severity of 'Higher-Priced Mortgage Loan' from Material to Non-Material. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. | D | B | C | B | D | A | D | A | C | B | D | C | D | C | D | D | D | C | D | C | D | C | D | D | D | C | D | D | D | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |
| 2023010184 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | Borrower Liabilities Verification Indicator is Partial | Borrower liabilities verified indicator is Partial. According to the Credit Report Comparison report dated X/XXXX X accounts had outstanding balances. This information must be outlined on the final XXX andXXXlculated in the DTIXXXlculation on the XXX. | Received updated XXX - Confirmed liability amountXXXs updated accordingly - Exception cleared. | XXX | Borrower liabilities verified indicator is Present | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. | D | B | D | A | D | A | D | A | C | B | D | C | D | C | D | D | D | C | D | C | D | C | D | D | D | C | D | D | D | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B |
| 2023010184 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | Transmittal Summary is Partial | The transmittal summary is Partial - According to the Credit Report Comparison report dated X/XXXX X accounts had outstanding balances. This information must be outlined on the final XXX andXXXlculated in the DTIXXXlculation on the XXX. | Received updated XXX - Confirmed liability amountXXXs updated accordingly - Exception cleared. | XXX | The transmittal summary is Present | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. | D | B | D | A | D | A | D | A | C | B | D | C | D | C | D | D | D | C | D | C | D | C | D | D | D | C | D | D | D | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B |
| 2023010184 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | Final Loan Application is Partial | Final Loan Application is Partial According to the Credit Report Comparison report dated X/XXXX X accounts had outstanding balances. This information must be outlined on the final XXX andXXXlculated in the DTIXXXlculation on the XXX. | Received updated XXXXX - verified the amounts Exception cleared. According to the Credit Report Comparison report dated X/XXXX X accounts had outstanding balances. This information must be outlined on the final XXX andXXXlculated in the DTIXXXlculation on the XXX. |
XXX | Final Loan Application is Present | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. | D | B | D | A | D | A | D | A | C | B | D | C | D | C | D | D | D | C | D | C | D | C | D | D | D | C | D | D | D | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B |
| 2023010341 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |
XXX | Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has stable job time - Borrower has XX years at job. | C | A | A | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010341 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | XXX | Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has stable job time - Borrower has XX years at job. | C | A | A | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010341 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | Minimum Trade Line Requirement Not Met | Borrower(s) have not met the minimum tradeline requirement per lender guidelines. | Received LOX - verified with credit report.XXX last updated X-XX andXXXXX Savings closed but last updated XX/XX. WeXXXn use a closed account if thereXXXs activity in the last XX months. Exception cleared. | Borrower(s) have met the minimum tradeline requirement per lender guidelines. | XXX | Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has stable job time - Borrower has XX years at job. | C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2023010341 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | Borrower Income Verification does not match Approval | CR RISK SUMMARY AND EXCEPTION REPORT SHOWS XX MONTHS BUT LOANXXXS QUALIFIED USING XX MONTHS BANK STATEMENTS. | Received LOX with email chain. The loanXXXsXXXlculated as a XX month Business XXXs in error. Exception cleared. | The borrower income verification does match approval | XXX | Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has stable job time - Borrower has XX years at job. | C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2023010309 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | Transmittal Summary is Partial | The transmittal summary is Partial. Per the final the current primary residence is being retained. The mortgage/Tax/Insurance paymentXXXs included in ourXXXlculation. Per the final this property is NOT included in theXXXlculation. Please provide an updated XXX to include this charge in theXXXlculation. | Received updated XXXXlculation is off, due to the updated liabilities within variance. Exception cleared. | The transmittal summary is Present | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | D | B | D | A | D | A | D | A | C | B | D | C | D | C | D | D | D | C | D | C | D | C | D | D | D | C | D | D | D | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |
| 2023010309 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Compliance | Higher-Priced Mortgage Loan | Change severity of 'Higher-Priced Mortgage Loan' from Material to Non-Material. Lender Acknowledged HPML Disclosure Escrow account established, and appraisal receipt acknowledged within X days. Higher-Priced Mortgage Loan ( XX CFR XXX(a)(X) )The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate by or more orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate by or more orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate by or more. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | D | B | C | B | D | A | D | A | C | B | D | C | D | C | D | D | D | C | D | C | D | C | D | D | D | C | D | D | D | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |||
| 2023010178 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | Borrower Employment Verification Level is missing | VOE is required. The borrower employment verification level is Missing | Received LOX with LLC filing documentation. Company is owned by Bwr and active. Exception cleared. | The borrower employment verification level is Level X - Verified-direct independent verif w/Xrd party | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Borrower has stable job time - Borrower has XXX years at job. | C | B | C | A | C | A | A | A | C | B | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |
| 2023010178 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | Higher-Priced Mortgage Loan | Lender Acknowledged HPML Disclosure Escrow account established, and appraisal receipt acknowledged within X days. Change severity of 'Higher-Priced Mortgage Loan' from Material to Non-Material. Higher-Priced Mortgage Loan ( XX CFR XXX(a)(X) )The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate by or more orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate by or more orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate by or more. | Escrow account established, and appraisal receipt acknowledged within X days. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Borrower has stable job time - Borrower has XXX years at job. | C | B | C | B | C | A | A | A | C | B | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | ||
| 2023010310 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |
XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXXX are greater than the Guideline Minimum of XX or XXXX. Borrower X has significant job time - Borrower has XX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. | D | A | A | A | D | A | D | A | A | A | D | D | D | A | D | D | D | A | D | D | D | A | D | D | D | A | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010310 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | HMDA Data Tape Not Provided | HMDA data tape not provided. | HMDA data tape provided. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXXX are greater than the Guideline Minimum of XX or XXXX. Borrower X has significant job time - Borrower has XX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. | D | A | D | A | D | A | D | A | A | A | D | D | D | A | D | D | D | A | D | D | D | A | D | D | D | A | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2023010326 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | XXX | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXXX are greater than the Guideline Minimum of XX or XXXX. Borrower has more than X years at current residence - Borrower at current residence XX years | D | A | A | A | A | A | D | A | C | A | D | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010326 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | RESPA Homeownership Counseling Organizations Disclosure Date Test | This loan passed the homeownership counseling organizations disclosure date test. ( XX CFR XXX(a) )The loan has a homeownership counseling organizations disclosure date that is within three business days of the loan originator's application date, and the homeownership counseling organizations disclosure date is on or before the closing date.Not later than three business days after a lender, mortgage broker, or dealer receives an application, or information sufficient to complete an application, the lender must provide the loan applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. The list of homeownership counseling organizations distributed to each loan applicant under this section shall be obtained no earlier than XX days prior to the time when the list is provided to the loan applicant from either:(X)The website maintained by the Bureau for lenders to use in complying with the requirements of this section or(X)Data made available by the Bureau or HUD for lenders to use in complying with the requirements of this section, provided that the data is used in accordance with instructions provided with the data.ThisXXXlculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open forXXXrrying on substantially all of its business functions, as described in §XXX(b) and as it relates to XXX (list of homeownership counseling organizations provided not later than X business days after a loan originator receives an application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:NonePlease note: This test does not validate the content of any list of homeownership counseling organizations. | This loan failed the homeownership counseling organizations disclosure date test due to the following findings: ( XX CFR XXX(a) )The loan has a homeownership counseling organizations disclosure date that is not within three business days of the loan originator's application date (or the date creditor received application if loan originator's application date is not provided) orThe homeownership counseling organizations disclosure date is after the closing date.Not later than three business days after a lender, mortgage broker, or dealer receives an application, or information sufficient to complete an application, the lender must provide the loan applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. The list of homeownership counseling organizations distributed to each loan applicant under this section shall be obtained no earlier than XX days prior to the time when the list is provided to the loan applicant from either:(X)The website maintained by the Bureau for lenders to use in complying with the requirements of this section or(X)Data made available by the Bureau or HUD for lenders to use in complying with the requirements of this section, provided that the data is used in accordance with instructions provided with the data.ThisXXXlculation take into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open forXXXrrying on substantially all of its business functions, as described in §XXX(b) and as it relates to XXX (list of homeownership counseling organizations provided not later than X business days after a loan originator receives an application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:As not being open on SundayPLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, ComplianceAnalyzerXXXlculations will presume the company's offices are closed to the public forXXXrrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict.Please note: This test does not validate the content of any list of homeownership counseling organizations. | XXX | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXXX are greater than the Guideline Minimum of XX or XXXX. Borrower has more than X years at current residence - Borrower at current residence XX years | D | A | B | A | A | A | D | A | C | A | D | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2023010326 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | Initial Loan Estimate Delivery Date Test (from application) | This loan passed the initial loan estimate delivery date test (from application).( XX CFR XXX(e)(X)(iii)(A) )The initial loan estimate delivery date is not later than the third business day (counting days on which the creditor's offices are open to the public forXXXrrying on substantially all of its business functions) after the creditor or broker receives the consumer's written application.ThisXXXlculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open forXXXrrying on substantially all of its business functions, as described in §XXX(a)(X) and as it relates to XXX(e)(X)(iii)(A) (initial loan estimate disclosure three business days after application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:NoneThe creditor shall deliver or place in the mail the disclosures required under XXX(e)(X)(i) (provision of loan estimate form) not later than the third business day after the creditor receives the consumer's application. | This loan failed the initial loan estimate delivery date test (from application) due to one of the following: ( XX CFR XXX(e)(X)(iii)(A) )The initial loan estimate delivery date is later than the third business day (counting days on which the creditor's offices are open to the public forXXXrrying on substantially all of its business functions) after the creditor or broker receives the consumer's written application.Therefore, if additional disclosures are entered into ComplianceAnalyzer, any values that would change under a valid changed circumstance if the initial loan estimate had been delivered timely, will not reset the baseline for tolerance purposes. The comparable fees for this loan will be X, regardless of the actual values on the disclosure.ThisXXXlculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open forXXXrrying on substantially all of its business functions, as described in §XXX(a)(X) and as it relates to XXX(e)(X)(iii)(A) (initial loan estimate disclosure three business days after application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:As not being open on SundayPLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, ComplianceAnalyzerXXXlculations will presume the company's offices are closed to the public forXXXrrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict.The creditor shall deliver or place in the mail the disclosures required under XXX(e)(X)(i) (provision of loan estimate form) not later than the third business day after the creditor receives the consumer's application. | XXX | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXXX are greater than the Guideline Minimum of XX or XXXX. Borrower has more than X years at current residence - Borrower at current residence XX years | D | A | C | A | A | A | D | A | C | A | D | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2023010326 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | Charges ThatXXXnnot Increase Test | This loan passed the charges thatXXXnnot increase test. (XX CFR XXX(e)(X)(i))The loan contains charges that do not exceed the good faith determination according to XXX(e)(X)(i).Please see the Tolerance Comparison Table that displays the Charges ThatXXXnnot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under XXX(e)(X)(i). | This loan failed the charges thatXXXnnot increase test. (XX CFR XXX(e)(X)(i))The loan contains charges that exceed the good faith determination according to XXX(e)(X)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is XX,XXX.Please see the Tolerance Comparison Table that displays the Charges ThatXXXnnot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under XXX(e)(X)(i). | XXX | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXXX are greater than the Guideline Minimum of XX or XXXX. Borrower has more than X years at current residence - Borrower at current residence XX years | D | A | C | A | A | A | D | A | C | A | D | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2023010326 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | Charges That In TotalXXXnnot Increase More Than Test | This loan passed the charges that in totalXXXnnot increase more than XX test. (XX CFR XXX(e)(X)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges were in good faith according to XXX(e)(X)(ii). The final charges that in totalXXXnnot increase more than XX (XXX) do not exceed the comparable charges (XXX) by more than XX. Please see the table that displays the Charges ThatXXXnnot Increase More Than XX 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 XXX(e)(X)(i) by more than XX 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 XXX(e)(X)(vi). | This loan failed the charges that in totalXXXnnot increase more than XX test. (XX CFR XXX(e)(X)(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 XXX(e)(X)(ii). The final charges that in totalXXXnnot increase more than XX (X,XXX) exceed the comparable charges (XX) by more than XX. Please see the table that displays the Charges ThatXXXnnot Increase More Than XX 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 XXX(e)(X)(i) by more than XX 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 XXX(e)(X)(vi). | XXX | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXXX are greater than the Guideline Minimum of XX or XXXX. Borrower has more than X years at current residence - Borrower at current residence XX years | D | A | C | A | A | A | D | A | C | A | D | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2023010326 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | Written List of Service Providers Disclosure Date Test | This loan passed the written list of service providers disclosure date test due to the following reasons: ( XX CFR XXX(e)(X)(vi) )The written list of service providers disclosure date is not less than the seventh business day (counting allXXXlendar days except Sunday and specified legal public holidays) before consummation of the transaction andThe written list of service providers disclosure date is not later than the third business day (counting days on which the creditor's offices are open to the public forXXXrrying on substantially all of its business functions) after the creditor or mortgage broker receives the consumer's written application.ThisXXXlculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open forXXXrrying on substantially all of its business functions, as described in §XXX(a)(X) and as it relates to XXX(a)(X)(vi) (which references the timing requirements for the loan estimate disclosure three business days after application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:NoneAs not being open on PLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, ComplianceAnalyzerXXXlculations will presume the company's offices are closed to the public forXXXrrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict.If the consumer is permitted to shop for a settlement service, the creditor shall provide the consumer with a written list identifying available providers of that settlement service and stating that the consumer may choose a different provider for that service. The creditor must identify at least one available provider for each settlement service for which the consumer is permitted to shop. The creditor shall provide this written list of settlement service providers separately from the disclosures required by XXX(e)(X)(e)(X)(i) but in accordance with the timing requirements in XXX(e)(X)(e)(X)(iii). | This loan failed the written list of service providers disclosure date test for one or more of the following reasons: ( XX CFR XXX(e)(X)(vi) )The written list of service providers disclosure date is either:Less than the seventh business day (counting allXXXlendar days except Sunday and specified legal public holidays) before consummation of the transaction orLater than the third business day (counting days on which the creditor's offices are open to the public forXXXrrying on substantially all of its business functions)ThisXXXlculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open forXXXrrying on substantially all of its business functions, as described in XXX(e)(X)(e)(X)(iii) §XXX(a)(X) and as it relates to XXX(a)(X)(vi) (which references the timing requirements for the loan estimate disclosure three business days after application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:NoneAs not being open on PLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, ComplianceAnalyzerXXXlculations will presume the company's offices are closed to the public forXXXrrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict.If the consumer is permitted to shop for a settlement service, the creditor shall provide the consumer with a written list identifying available providers of that settlement service and stating that the consumer may choose a different provider for that service. The creditor must identify at least one available provider for each settlement service for which the consumer is permitted to shop. The creditor shall provide this written list of settlement service providers separately from the disclosures required by XXX(e)(X)(e)(X)(i) but in accordance with the timing requirements in XXX(e)(X)(e)(X)(iii). | XXX | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXXX are greater than the Guideline Minimum of XX or XXXX. Borrower has more than X years at current residence - Borrower at current residence XX years | D | A | C | A | A | A | D | A | C | A | D | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2023010326 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | TRID Monitor Timing of Disclosures Finding | TRID Monitor Timing of Disclosures Finding.This loan contains disclosures that do not fail one or more of the various disclosure timing provisions in the TILA-RESPA Integrated Disclosure section of Regulation Z. For more information, please see the TILA-RESPA Integrated Disclosure section of the full ComplianceAnalyzer report.While creditors are required to issue disclosures in good faith, the fact that a disclosure was not issued timely may or may not violate Regulation Z if the values are not used to reset tolerance baselines. However, some lenders and secondary market investors may prefer not to fund or buy loans that contain disclosures that were not issued timely under the regulation. | TRID Monitor Timing of Disclosures Finding.This loan contains at least one disclosure that fails one or more of the various disclosure timing provisions in the TILA-RESPA Integrated Disclosure section of Regulation Z. For more information, please see the TILA-RESPA Integrated Disclosure section of the full ComplianceAnalyzer report.While creditors are required to issue disclosures in good faith, the fact that a disclosure was not issued timely may or may not violate Regulation Z if the values are not used to reset tolerance baselines. However, some lenders and secondary market investors may prefer not to fund or buy loans that contain disclosures that were not issued timely under the regulation. | XXX | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXXX are greater than the Guideline Minimum of XX or XXXX. Borrower has more than X years at current residence - Borrower at current residence XX years | D | A | C | A | A | A | D | A | C | A | D | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2023010408 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |
XXX | Borrower has stable job time - Borrower has XX years at job. | D | A | A | A | C | A | D | A | A | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010408 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | Hazard Insurance Coverage is Not Sufficient. | Insurance coverage of X, XXX is not sufficient to cover the estimated replacement cost of theXXX as provided by the X appraisals. The first ERC is X,XXX,XXX and the second is X,XXX,XXX. The insurance policy does not contain extension language or replacement clauses. | Received copy of ERD - Insurance provider shows XXX replacement cost is included in policy. Exception cleared. | Hazard insurance coverage is sufficient. Received email stating - ERC in the file states we are covered at XXX. Need confirmation of where ERC is located unable to find in images. | XXX | Borrower has stable job time - Borrower has XX years at job. | D | A | C | A | C | A | D | A | A | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2023010327 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |
XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XXX years | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010327 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XXX years | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010327 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XXX years | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010328 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. ( XX CFR § XXX(a)(X) )Using the greater of the disclosed APR and theXXXlculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lendersXXXn legally make this type of loan subject to additional requirements in XX CFR XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. Escrow account established, and appraisal receipt acknowledged within X days. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | C | B | C | B | C | A | A | A | C | B | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |||
| 2023010328 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | C | B | A | A | C | A | A | A | C | B | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |||
| 2023010328 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | Fraud Report Shows Uncleared Alerts | Fraud report shows the following alerts that have not been cleared: The fraud report shows X properties that appear to be recently purchased by the borrower that were not disclosed. No documentationXXXs provided to confirm the borrower no longer had ownership in these properties. | Received LOX with property detail reports confirming - "all X addresses listed on the fraud manager are vacant land and would not be added to the REO. The attachements should have been in the file to avoid the finding." Exception cleared. | XXX | Alerts from Fraud Report have been cleared. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | C | B | C | A | C | A | A | A | C | B | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B |
| 2023010328 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | Hazard Insurance Coverage is Not Sufficient. | Hazard insurance coverage of XXX is not sufficent. The subject loan amount is XXX with the hazard insurance replacement coverage of No and estimated replacement value from insurance companyXXXs not provided. | State ofXXXorida - RCE is included but not stated. | XXX | Hazard insurance coverage is sufficient. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | C | B | C | A | C | A | A | A | C | B | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B |
| 2023010180 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan ( XX CFR XXX(a)(X) )The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate by or more orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate by or more orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate by or more. | Change severity of 'Higher-Priced Mortgage Loan' from Material to Non-Material. Escrow account established, and appraisal receipt acknowledged within X days. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XX is less than the Guideline DTI of XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has stable job time - Borrower has XX years at job. | C | B | C | B | A | A | A | A | C | B | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | ||
| 2023010180 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XX is less than the Guideline DTI of XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has stable job time - Borrower has XX years at job. | C | B | A | A | A | A | A | A | C | B | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |||
| 2023010329 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |
XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010329 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010329 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010330 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan ( XX CFR XXX(a)(X) )The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate by or more orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate by or more orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate by or more. | Change severity of 'Higher-Priced Mortgage Loan' from Material to Non-Material. Lender Acknowledged HPML Disclosure Escrow account established, and appraisal receipt acknowledged within X days. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXXX. Borrower has stable job time - Borrower has XX years at job. | D | B | C | B | C | A | D | A | C | B | D | C | D | C | D | C | D | C | D | C | D | C | D | C | D | C | D | C | D | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | ||
| 2023010330 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | Qualifying DTI exceeds Guideline Maximum Allowable | Qualifying DTI of XXX exceeds guideline maximum of XXX. | Documentation provided to support Qualifying DTI below XXX. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXXX. Borrower has stable job time - Borrower has XX years at job. | D | B | C | A | C | A | D | A | C | B | D | C | D | C | D | C | D | C | D | C | D | C | D | C | D | C | D | C | D | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | ||
| 2023010330 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | Borrower Income Verification does not match Approval | Lender approval indicates XXmonths , however, incomeXXXs qualified using XX months back statement - pg XXX The borrower income verification does not match approval | Received LOX - "LoanXXXs going to become XX month statement but then stayed with the XX month product. Income worksheet follows - corrected UWCRSE - XXX and XXX showing correct income aslo follow." Updating loan accordingly - exception cleared. | The borrower income verification does match approval | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXXX. Borrower has stable job time - Borrower has XX years at job. | D | B | C | A | C | A | D | A | C | B | D | C | D | C | D | C | D | C | D | C | D | C | D | C | D | C | D | C | D | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |
| 2023010343 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan ( XX CFR XXX(a)(X) )The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate by or more orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate by or more orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate by or more. | Change severity of 'Higher-Priced Mortgage Loan' from Material to Non-Material. Escrow account established, and appraisal receipt acknowledged within X days. | XXX | Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. | C | B | C | B | A | A | A | A | C | B | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | ||
| 2023010343 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | XXX | Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. | C | B | A | A | A | A | A | A | C | B | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |||
| 2023010343 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | XXX | Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. | C | B | A | A | A | A | A | A | C | B | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |||
| 2023010182 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |
XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Borrower has stable job time - Borrower has XX years at job. | D | A | A | A | A | A | D | A | A | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010182 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Borrower has stable job time - Borrower has XX years at job. | D | A | A | A | A | A | D | A | A | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010331 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |
XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XX is less than the Guideline DTI of XXX. Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. | D | A | A | A | D | A | D | A | A | A | D | C | D | A | D | D | D | A | D | C | D | A | D | D | D | A | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010331 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | Transmittal Summary is Missing | The transmittal summary is Missing | Received final XXX. Verified information - exception cleared. | The transmittal summary is Present | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XX is less than the Guideline DTI of XXX. Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. | D | A | D | A | D | A | D | A | A | A | D | C | D | A | D | D | D | A | D | C | D | A | D | D | D | A | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2023010332 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | XXX | Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has stable job time - Borrower has XX years at job. | C | A | A | A | A | A | A | A | C | A | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010332 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | XXX | Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has stable job time - Borrower has XX years at job. | C | A | A | A | A | A | A | A | C | A | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010332 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | Initial Closing Disclosure Delivery Date Test | The initial CD issued X/XXXX is XXXfrom the file. This loan failed the initial closing disclosure delivery date test due to one of the following findings:( XX CFR XXX(f)(X)(ii) )The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"XXX Mail" or "XXX" or blank, and the initial closing disclosure delivery date is less than six business days (counting allXXXlendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction or"In Person" and the initial closing disclosure delivery date is less than three business days (counting allXXXlendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting allXXXlendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph XXX no later than three business days before consummation. | Received CD dated X/XXXX. Updating loan accordingly. | This loan passed the initial closing disclosure delivery date test.( XX CFR XXX(f)(X)(ii) )The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"XXX" or "XXX" or blank, and the initial closing disclosure delivery date is not less than six business days (counting allXXXlendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction or"In Person" and the initial closing disclosure delivery date is not less than three business days (counting allXXXlendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is not less than three business days (counting allXXXlendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction.The creditor shall ensure that the consumer receives the disclosures required under paragraph XXX no later than three business days before consummation. | XXX | Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has stable job time - Borrower has XX years at job. | C | A | C | A | A | A | A | A | C | A | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2023010332 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | TRID Monitor Timing of Disclosures Finding | TRID Monitor Timing of Disclosures Finding.This loan contains at least one disclosure that fails one or more of the various disclosure timing provisions in the TILA-RESPA Integrated Disclosure section of Regulation Z. For more information, please see the TILA-RESPA Integrated Disclosure section of the full ComplianceAnalyzer report.While creditors are required to issue disclosures in good faith, the fact that a disclosureXXXs not issued timely may or may not violate Regulation Z if the values are not used to reset tolerance baselines. However, some lenders and secondary market investors may prefer not to fund or buy loans that contain disclosures that were not issued timely under the regulation. The initial CD issued X/XXXX is XXXfrom the file. | Received CD dated X/XXXX. Updating loan accordingly. | TRID Monitor Timing of Disclosures Finding.This loan contains disclosures that do not fail one or more of the various disclosure timing provisions in the TILA-RESPA Integrated Disclosure section of Regulation Z. For more information, please see the TILA-RESPA Integrated Disclosure section of the full ComplianceAnalyzer report.While creditors are required to issue disclosures in good faith, the fact that a disclosureXXXs not issued timely may or may not violate Regulation Z if the values are not used to reset tolerance baselines. However, some lenders and secondary market investors may prefer not to fund or buy loans that contain disclosures that were not issued timely under the regulation. | XXX | Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has stable job time - Borrower has XX years at job. | C | A | C | A | A | A | A | A | C | A | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2023010333 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | XXX | Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | C | A | A | A | A | A | A | A | C | A | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010333 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | XXX | Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | C | A | A | A | A | A | A | A | C | A | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010192 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | Initial Closing Disclosure Delivery Date Test | This loan failed the initial closing disclosure delivery date test due to one of the following findings:( XX CFR XXX(f)(X)(ii) )The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"XXX Mail" or "XXX" or blank, and the initial closing disclosure delivery date is less than six business days (counting allXXXlendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction or"In Person" and the initial closing disclosure delivery date is less than three business days (counting allXXXlendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting allXXXlendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph XXX no later than three business days before consummation. Per the disclosure tracking summary in the file: XXXthe Initial CD dated XXX from the file |
Received CD dated X/XXXX. Updating loan accordingly. | XXX | This loan passed the initial closing disclosure delivery date test.( XX CFR XXX(f)(X)(ii) )The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"XXX" or "XXX" or blank, and the initial closing disclosure delivery date is not less than six business days (counting allXXXlendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction or"In Person" and the initial closing disclosure delivery date is not less than three business days (counting allXXXlendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is not less than three business days (counting allXXXlendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction.The creditor shall ensure that the consumer receives the disclosures required under paragraph XXX no later than three business days before consummation. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. | D | A | C | A | D | A | D | A | C | A | D | C | D | C | D | D | D | C | D | C | D | C | D | D | D | C | D | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2023010192 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | Borrower Liabilities Verificiation Indicator is Missing | Borrower Liabilities Verificiation Indicator is Missing | Received updated CRSE/XXX/Final XXX. Verified information - Exception cleared. Received documentation for all properties outlined previously. We have updated the account. Per the final the property at XXXXXterstoneXXXs being retianed. It does not appear the amount associated with this propertyXXXs provided in theXXXlculation. Please review and advise. Need proof of sale for REO XXXXXXX AveXXXXX per LOE page XXX- lender to provide final sale CD Need status for departing primary XXXXXterstone Pkwy XXX and proof of sale and/or status for XXX ElXXXminoXXX FireXXX property. Provide documentation to evidence allXXX for any retained REOS and/or final sale CD. Audit to review DTI when documents received. |
XXX | Borrower liabilities verified indicator is Present | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. | D | A | D | A | D | A | D | A | C | A | D | C | D | C | D | D | D | C | D | C | D | C | D | D | D | C | D | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2023010192 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | Qualifying DTI exceeds Guideline Maximum Allowable | Qualifying DTI of XXX exceeds guideline maximum of XXX. Qualifying DTI of XXX exceeds guideline maximum of XXX. | Documentation provided to support Qualifying DTI below XXX. Documentation provided to support Qualifying DTI below XXX. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXX are greater than the Guideline Minimum of XX or XXXX. Borrower X has significant job time - Borrower has XX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. | D | A | C | A | D | A | D | A | C | A | D | C | D | C | D | D | D | C | D | C | D | C | D | D | D | C | D | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2023010192 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | Housing history does not meet guidelines | Housing history does not meet guidelines. | Housing delinquency meets guidelines. Housing delinquency meets guidelines. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXX are greater than the Guideline Minimum of XX or XXXX. Borrower X has significant job time - Borrower has XX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. | D | A | C | A | D | A | D | A | C | A | D | C | D | C | D | D | D | C | D | C | D | C | D | D | D | C | D | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2023010192 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | TRID Monitor Timing of Disclosures Finding | TRID Monitor Timing of Disclosures Finding.This loan contains at least one disclosure that fails one or more of the various disclosure timing provisions in the TILA-RESPA Integrated Disclosure section of Regulation Z. For more information, please see the TILA-RESPA Integrated Disclosure section of the full ComplianceAnalyzer report.While creditors are required to issue disclosures in good faith, the fact that a disclosureXXXs not issued timely may or may not violate Regulation Z if the values are not used to reset tolerance baselines. However, some lenders and secondary market investors may prefer not to fund or buy loans that contain disclosures that were not issued timely under the regulation. The Initial Closing Disclosure dated XXX is XXXfrom the loan file. | Received CD dated X/XXXX. Updating loan accordingly. | XXX | TRID Monitor Timing of Disclosures Finding.This loan contains disclosures that do not fail one or more of the various disclosure timing provisions in the TILA-RESPA Integrated Disclosure section of Regulation Z. For more information, please see the TILA-RESPA Integrated Disclosure section of the full ComplianceAnalyzer report.While creditors are required to issue disclosures in good faith, the fact that a disclosureXXXs not issued timely may or may not violate Regulation Z if the values are not used to reset tolerance baselines. However, some lenders and secondary market investors may prefer not to fund or buy loans that contain disclosures that were not issued timely under the regulation. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. | D | A | C | A | D | A | D | A | C | A | D | C | D | C | D | D | D | C | D | C | D | C | D | D | D | C | D | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2023010362 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |
XXX | Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010362 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | XXX | Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010362 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | XXX | Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010199 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXXX are greater than the Guideline Minimum of XX or XXX. Borrower has stable job time - Borrower has XX years at job. | B | A | A | A | A | A | A | A | B | A | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010199 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXXX are greater than the Guideline Minimum of XX or XXX. Borrower has stable job time - Borrower has XX years at job. | B | A | A | A | A | A | A | A | B | A | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010334 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan ( XX CFR XXX(a)(X) )The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate by or more orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate by or more orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate by or more. | Escrow account established, and appraisal receipt acknowledged within X days. | Change severity of 'Higher-Priced Mortgage Loan' from Material to Non-Material. Escrow account established, and appraisal receipt acknowledged within X days. | XXX | Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. | D | B | C | B | A | A | D | A | C | B | D | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |
| 2023010334 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | XXX | Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. | D | B | A | A | A | A | D | A | C | B | D | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |||
| 2023010344 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XX is less than the Guideline DTI of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. | D | B | A | A | D | B | A | A | B | A | C | C | A | B | D | D | A | B | C | C | A | B | D | D | A | B | D | D | A | B | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||
| 2023010344 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Credit | Borrower Liabilities Verification Indicator is Partial | Borrower liabilities verified indicator is Partial | Change severity of 'Borrower Liabilities Verification Indicator is Partial' from Material to Non-Material. Change status of 'Borrower Liabilities Verification Indicator is Partial' from Active to Acknowledged by Client. Lender provided guideline exception allowing for credit payment history XXX based on XXXXX DTI, XX months of verified reserves and XXX -last XX months. Borrower liabilities verified indicator is Partial. Credit history XXX. |
XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XX is less than the Guideline DTI of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. | D | B | D | B | D | B | A | A | B | A | C | C | A | B | D | D | A | B | C | C | A | B | D | D | A | B | D | D | A | B | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | ||
| 2023010344 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | Borrower Income Verification does not match Approval | Please provide copy of mortgage statement for the Xnd lien on XXX SE XXXth St, with XXX , Inc a balance of XXX and monthly payment of XXX | Received final Closing Disclosure for Xnd lien on XXX SE XXXth St. Exception cleared. | The borrower income verification does match approval | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XX is less than the Guideline DTI of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. | D | B | C | A | D | B | A | A | B | A | C | C | A | B | D | D | A | B | C | C | A | B | D | D | A | B | D | D | A | B | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |
| 2023010335 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan ( XX CFR XXX(a)(X) )The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate by or more orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate by or more orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate by or more. | Escrow account established, and appraisal receipt acknowledged within X days. | XXX | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower has stable job time - Borrower has XX years at job. | C | B | C | B | A | A | A | A | C | B | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | ||
| 2023010335 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | XXX | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower has stable job time - Borrower has XX years at job. | C | B | A | A | A | A | A | A | C | B | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |||
| 2023010335 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | XXX | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower has stable job time - Borrower has XX years at job. | C | B | A | A | A | A | A | A | C | B | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |||
| 2023010194 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. | B | A | A | A | A | A | A | A | B | A | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010194 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. | B | A | A | A | A | A | A | A | B | A | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010345 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |
XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | D | A | A | A | A | A | D | A | A | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010345 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | D | A | A | A | A | A | D | A | A | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010352 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan ( XX CFR XXX(a)(X) )The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate by or more orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate by or more orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate by or more. | Escrow account established, and appraisal receipt acknowledged within X days. | Change severity of 'Higher-Priced Mortgage Loan' from Material to Non-Material. | XXX | Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | C | B | C | B | A | A | A | A | C | B | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |
| 2023010352 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | XXX | Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | C | B | A | A | A | A | A | A | C | B | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |||
| 2023010352 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | XXX | Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | C | B | A | A | A | A | A | A | C | B | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |||
| 2023010346 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |
XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010346 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010346 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010353 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan ( XX CFR XXX(a)(X) )The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate by or more orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate by or more orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate by or more. | Escrow account established, and appraisal receipt acknowledged within X days. | Change severity of 'Higher-Priced Mortgage Loan' from Material to Non-Material. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XXX years | C | B | C | B | C | A | A | A | C | B | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |
| 2023010353 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XXX years | C | B | A | A | C | A | A | A | C | B | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |||
| 2023010353 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | Borrower Income Verification does not match Approval | The borrower income verification does not match approval. The lender guidelines, section XXX indicate XXXnnot be joint accounts if qualifying under the personal bank statement program. The borrower is a joint owner with the co-borrower on the bank statements used to qualify. | XXX: Received loe stating that the assets are co-owned by both borrowers and they are both on the loan. Exception cleared. | The borrower income verification does match approval Change severity of 'Borrower Income Verification does not match Approval' from Material to Non-Material. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XXX years | C | B | C | A | C | A | A | A | C | B | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |
| 2023010347 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan ( XX CFR XXX(a)(X) )The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate by or more orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate by or more orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate by or more. | Escrow account established, and appraisal receipt acknowledged within X days. | Change severity of 'Higher-Priced Mortgage Loan' from Material to Non-Material. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XX is less than the Guideline DTI of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. | C | B | C | B | A | A | A | A | C | B | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |
| 2023010347 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XX is less than the Guideline DTI of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. | C | B | A | A | A | A | A | A | C | B | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |||
| 2023010347 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XX is less than the Guideline DTI of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. | C | B | A | A | A | A | A | A | C | B | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |||
| 2023010348 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. | B | A | A | A | A | A | A | A | B | A | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010348 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. | B | A | A | A | A | A | A | A | B | A | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010197 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |
XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010197 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010197 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010202 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | B | A | A | A | A | A | A | A | B | A | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010202 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | B | A | A | A | A | A | A | A | B | A | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010349 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |
XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010349 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010349 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010354 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan ( XX CFR XXX(a)(X) )The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate by or more orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate by or more orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate by or more. | HPML loan with established escrow and appraisal received | Change severity of 'Higher-Priced Mortgage Loan' from Material to Non-Material. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XX is less than the Guideline DTI of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXXX. Borrower X has significant job time - Borrower has XX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. | C | B | C | B | A | A | A | A | C | B | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |
| 2023010354 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XX is less than the Guideline DTI of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXXX. Borrower X has significant job time - Borrower has XX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. | C | B | A | A | A | A | A | A | C | B | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |||
| 2023010354 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XX is less than the Guideline DTI of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXXX. Borrower X has significant job time - Borrower has XX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. | C | B | A | A | A | A | A | A | C | B | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |||
| 2023010355 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |
XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010355 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010355 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010356 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Active | Compliance | Prohibited Fees Test | The loan failed the prohibited fees test.Iowa loans may fall into more than one loanXXXtegory at the same time. A fee is allowed if authorized by one or more statutes that apply. Otherwise fees are prohibited:If the loan is a Consumer Loan (Iowa Code XXX(XX)) it may charge an "additional charge". (Iowa Code XXXX and XXXX).If the loan is a Home Acquisition Loan (Iowa Code §XXX(X)) the lender may collect fees as allowed by statute. (Iowa Code §XXX(X), Gardin v. Long Beach Mortgage Co. XXX N.W.dX XXX)If the loan is a Home Equity Line of Credit (Iowa Code XXX(X)) the lender may collect fees as allowed by statute. (Iowa Code XXX(X) §XXX(X), and Gardin v. Long Beach Mortgage Co. XXX N.W.dX XXX) | XXX | Borrower has stable job time - Borrower has XX years at job. | C | B | B | B | A | A | A | A | C | B | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |||
| 2023010356 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan ( XX CFR XXX(a)(X) )The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate by or more orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate by or more orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate by or more. | HPML Loan with established escrows and appraisal received, downgraded to a B. | Change severity of 'Higher-Priced Mortgage Loan' from Material to Non-Material. | XXX | Borrower has stable job time - Borrower has XX years at job. | C | B | C | B | A | A | A | A | C | B | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |
| 2023010356 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | XXX | Borrower has stable job time - Borrower has XX years at job. | C | B | A | A | A | A | A | A | C | B | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |||
| 2023010356 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | XXX | Borrower has stable job time - Borrower has XX years at job. | C | B | A | A | A | A | A | A | C | B | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |||
| 2023010363 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |
XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XX is less than the Guideline DTI of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXXX are greater than the Guideline Minimum of XX or XXX. Borrower has stable job time - Borrower has XX years at job. | C | B | A | A | A | A | C | B | A | A | C | A | C | A | C | A | C | A | C | A | C | A | C | A | C | A | C | A | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||
| 2023010363 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Property | Appraisal guideline violation | Appraisal guideline violation: XXX square feet of gross living area. | Change severity of 'Appraisal guideline violation' from Material to Non-Material. Change status of 'Appraisal guideline violation' from Active to Acknowledged by Client. Client provided guideline exception allowing for XXX square feet of gross living area based on XXX FICO, XXXX DTI, XXX months verified reserves and credit history XXX - last XX months. |
XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XX is less than the Guideline DTI of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXXX are greater than the Guideline Minimum of XX or XXX. Borrower has stable job time - Borrower has XX years at job. | C | B | C | B | A | A | C | B | A | A | C | A | C | A | C | A | C | A | C | A | C | A | C | A | C | A | C | A | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | ||
| 2023010357 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |
XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XX is less than the Guideline DTI of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXX are greater than the Guideline Minimum of XX or XXXX. Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. | D | B | A | A | D | B | A | A | A | A | C | C | A | A | D | D | A | A | C | C | A | A | D | D | A | A | D | D | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||
| 2023010357 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XX is less than the Guideline DTI of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXX are greater than the Guideline Minimum of XX or XXXX. Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. | D | B | A | A | D | B | A | A | A | A | C | C | A | A | D | D | A | A | C | C | A | A | D | D | A | A | D | D | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||
| 2023010357 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Credit | Borrower Liabilities Verification Indicator is Partial | Borrower liabilities verified indicator is Partial - lender approved payment shock exceptionmax pmt shock perXXX XXX- actual XXX see page XXX XXX approved exception. | Per CRSE - client acknowledged exception. Updated accordingly. | Change severity of 'Borrower Liabilities Verification Indicator is Partial' from Material to Non-Material. Change status of 'Borrower Liabilities Verification Indicator is Partial' from Active to Acknowledged by Client. CRSE shows - Exception Type: Payment Shock. Guidelines: Maximum Payment Shock: XXX - HALO Actual : Payment Shock: XXX. Rationale - Exception approved. Compensating Factors : Qualifying Credit Score is XXX XXX (Housing Ratio) or XXX (Total) Residual Income of XXX X last XX months. DTI XX below. Acknowledged by client. |
XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XX is less than the Guideline DTI of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXX are greater than the Guideline Minimum of XX or XXXX. Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. | D | B | D | B | D | B | A | A | A | A | C | C | A | A | D | D | A | A | C | C | A | A | D | D | A | A | D | D | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |
| 2023010357 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | Asset Documents are Incomplete | Asset Documents are Incomplete: gift funds page XX IAO XX,XXX XXXwire, or certified check, or money order orXXXshier's check to verifiy donors funds. Lender to provide donor funds as not seen in borrowers account and no wire in file. | Received a copy of the Wire Verification dated XXX in the amount of XX,XXX. Exception cleared. | The exception 'Asset Documents are Incomplete' is cleared. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XX is less than the Guideline DTI of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXX are greater than the Guideline Minimum of XX or XXXX. Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. | D | B | C | A | D | B | A | A | A | A | C | C | A | A | D | D | A | A | C | C | A | A | D | D | A | A | D | D | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |
| 2023010203 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |
XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Borrower has more than X years at current residence - Borrower at current residence XX years | D | A | A | A | C | A | D | A | A | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010203 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Credit | Hazard Insurance Coverage is Not Sufficient. | Hazard insurance coverage of XXXXXX is not sufficent. The subject loan amount is XXXXXX with the hazard insurance replacement coverage of No and estimated replacement value from insurance companyXXXs not provided. | Received copy of Replacement Cost Estimator. Updating loan accordingly. | Hazard insurance coverage is sufficient. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Borrower has more than X years at current residence - Borrower at current residence XX years | D | A | C | A | C | A | D | A | A | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2023010358 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan ( XX CFR XXX(a)(X) )The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate by or more orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate by or more orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate by or more. | HPML Loan with established escrows and appraisal received.XXX a B. | Change severity of 'Higher-Priced Mortgage Loan' from Material to Non-Material. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Borrower has stable job time - Borrower has XX years at job. | C | B | C | B | A | A | A | A | C | B | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |
| 2023010358 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Borrower has stable job time - Borrower has XX years at job. | C | B | A | A | A | A | A | A | C | B | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |||
| 2023010358 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Borrower has stable job time - Borrower has XX years at job. | C | B | A | A | A | A | A | A | C | B | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |||
| 2023010359 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |
XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | D | A | A | A | D | A | A | A | A | A | C | C | A | A | D | D | A | A | C | C | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010359 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | D | A | A | A | D | A | A | A | A | A | C | C | A | A | D | D | A | A | C | C | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010359 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | Borrower Liabilities Verification Indicator is Partial | Borrower liabilities verified indicator is Partial. The borrower is purchasing X additional properties that were being financed with XXX: XXX XXX, XXXOh XXX XXX Ave, XXXOH XXX XXXRoad, XXXOH and XXXXX Rd, XXX OH. The file does not contain the taxes and insurance for XXXXX Rd and does not contain documentation of the new mortgage payment amounts for all X properties. | Received LOX with supporting documentation for the following properties:XXX Rd XXX AveXXX XXX Rd. Payment amounts match whatXXXs provided on the final XXX. Exception cleared. | Borrower liabilities verified indicator is Present | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | D | A | D | A | D | A | A | A | A | A | C | C | A | A | D | D | A | A | C | C | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2023010364 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan ( XX CFR XXX(a)(X) )The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate by or more orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate by or more orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate by or more. Change severity of 'Higher-Priced Mortgage Loan' from Material to Non-Material. HPML loan with established escrow and appriasal received | HPML Loan with established escrows and appraisal requirements met. | Higher-Priced Mortgage Loan ( XX CFR XXX(a)(X) )The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate by or more orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate by or more orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate by or more. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | C | B | C | B | A | A | A | A | C | B | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |
| 2023010364 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | C | B | A | A | A | A | A | A | C | B | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |||
| 2023010364 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | C | B | A | A | A | A | A | A | C | B | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |||
| 2023010242 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has stable job time - Borrower has XX years at job. | C | A | A | A | A | A | A | A | C | A | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010242 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | Charges ThatXXXnnot Increase Test | The Discount Points-Loan Discount Fee increased from X,XXX on the LE dated X/XXXX to X,XXX on the CD dated XXX. Please provide Post Closing CD, Change of Circumstance, or proof of reimbursement to the borrower. | XXX - XXX: Received trailing docs Client provide COC CD Exception cleared. | XXX | This loan passed the charges thatXXXnnot increase test. (XX CFR XXX(e)(X)(i))The loan contains charges that do not exceed the good faith determination according to XXX(e)(X)(i).Please see the Tolerance Comparison Table that displays the Charges ThatXXXnnot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under XXX(e)(X)(i). This loan failed the charges thatXXXnnot increase test. (XX CFR XXX(e)(X)(i))The loan contains charges that exceed the good faith determination according to XXX(e)(X)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is X,XXX.Please see the Tolerance Comparison Table that displays the Charges ThatXXXnnot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under XXX(e)(X)(i). This loan failed the charges thatXXXnnot increase test. (XX CFR XXX(e)(X)(i))The loan contains charges that exceed the good faith determination according to XXX(e)(X)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is X,XXX.Please see the Tolerance Comparison Table that displays the Charges ThatXXXnnot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under XXX(e)(X)(i). This loan failed the charges thatXXXnnot increase test. (XX CFR ÂXXX(e)(X)(i))The loan contains charges that exceed the good faith determination according to ÂXXX(e)(X)(i). The zero tolerance violation in the amount of XXX is due to addition of Loan Discount Points from Loan Estimate to Closing CD Need evidence of COC, PCCD or refund check to the borrower in the amount of XXX. It appears the Closing Disclosure dated XXX is XXXfrom the loan file. |
XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has stable job time - Borrower has XX years at job. | C | A | C | A | A | A | A | A | C | A | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2023010242 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | Consummation or Reimbursement Date Validation Test | 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 reimbursementXXXlculations. | XXX - XXX: Received trailing docs Client provide COC CD Exception cleared. | XXX | This compliance test 'Consummation or Reimbursement Date Validation Test' is no longer tested | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has stable job time - Borrower has XX years at job. | C | A | C | A | A | A | A | A | C | A | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2023010242 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | Original PI Payment on Note does not equal PI Payment on Final Closing Disclosure | Original PI Payment on Note matches Final CD From Hard Coded form in template: 'Closing Disclosure' at XXX Original PI Payment on Note matches Final CD |
Original PI Payment on Note matches Final CD From Hard Coded form in template: 'Closing Disclosure' at XXX Original PI Payment on Note matches Final CD Original PI Payment on Note matches Final CD From Hard Coded form in template: 'Closing Disclosure' at XXX |
XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has stable job time - Borrower has XX years at job. | C | A | C | A | A | A | A | A | C | A | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2023010242 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | Reimbursement Amount Test | The Discount Points-Loan Discount Fee increased from X,XXX on the LE dated X/XXXX to X,XXX on the CD dated XXX. Please provide Post Closing CD, Change of Circumstance, or proof of reimbursement to the borrower. | XXX - XXX: Received trailing docs Client provide COC CD Exception cleared. | XXX | This loan passed the reimbursement amount test. (XX CFR XXX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances. However, the provided reimbursement amount of XX, is sufficient to reimburse the consumer the amount by which the tolerances were exceeded, XX.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under XXX(e)(X)(i) or (ii), the creditor complies with XXX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation, and the creditor complies with XXX if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XX days after consummation. This loan failed the reimbursement amount test. (XX CFR XXX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances and the provided reimbursement amount of XX, is not sufficient to reimburse the consumer the amount by which the tolerances were exceeded, X,XXX.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under XXX(e)(X)(i) or (ii), the creditor complies with XXX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation, and the creditor complies with XXX if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XX days after consummation. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has stable job time - Borrower has XX years at job. | C | A | C | A | A | A | A | A | C | A | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2023010242 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | TRID Initial Closing Disclosure Date and Funding Date Validation Test | This loan failed the TRID closing disclosure date and funding date validation test.This loan contains a closing disclosure receipt date (or closing disclosure delivery date if receipt date was not provided) that is after the funding date. Please review the loan data to ensure the dates are in the correct fields. | This compliance test 'TRID Initial Closing Disclosure Date and Funding Date Validation Test' is no longer tested | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has stable job time - Borrower has XX years at job. | C | A | C | A | A | A | A | A | C | A | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2023010125 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | Charges ThatXXXnnot Increase Test | Application date - X/XX/XX. First LE provided is dated X/XX/XX. An LE dated on X/XX/XX is needed. | This loan passed the charges thatXXXnnot increase test. (XX CFR XXX(e)(X)(i))The loan contains charges that do not exceed the good faith determination according to XXX(e)(X)(i).Please see the Tolerance Comparison Table that displays the Charges ThatXXXnnot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under XXX(e)(X)(i). | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | C | A | C | A | A | A | A | A | C | A | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2023010125 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | Charges That In TotalXXXnnot Increase More Than Test | Application date - X/XX/XX. First LE provided is dated X/XX/XX. An LE dated on X/XX/XX is needed. | This loan passed the charges that in totalXXXnnot increase more than XX test. (XX CFR XXX(e)(X)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges were in good faith according to XXX(e)(X)(ii). The final charges that in totalXXXnnot increase more than XX (XXX) do not exceed the comparable charges (XXX) by more than XX. Please see the table that displays the Charges ThatXXXnnot Increase More Than XX 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 XXX(e)(X)(i) by more than XX 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 XXX(e)(X)(vi). | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | C | A | C | A | A | A | A | A | C | A | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2023010125 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | Homeownership Counseling Disclosure is Missing | The homeownership disclosure is Missing | XXX - The Homeownership disclosure is XXXfrom the loan file. XX/X/XX - The Homeownership disclosure is XXXfrom the loan file. The Homeownership disclosure is XXXfrom the loan file. |
XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | C | A | C | A | A | A | A | A | C | A | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2023010125 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | Initial Loan Estimate Delivery Date Test (from application) | Application date - X/XX/XX. First LE provided is dated X/XX/XX. An LE dated on X/XX/XX is needed. | This loan passed the initial loan estimate delivery date test (from application).( XX CFR XXX(e)(X)(iii)(A) )The initial loan estimate delivery date is not later than the third business day (counting days on which the creditor's offices are open to the public forXXXrrying on substantially all of its business functions) after the creditor or broker receives the consumer's written application.ThisXXXlculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open forXXXrrying on substantially all of its business functions, as described in §XXX(a)(X) and as it relates to XXX(e)(X)(iii)(A) (initial loan estimate disclosure three business days after application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:NoneThe creditor shall deliver or place in the mail the disclosures required under XXX(e)(X)(i) (provision of loan estimate form) not later than the third business day after the creditor receives the consumer's application. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | C | A | C | A | A | A | A | A | C | A | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2023010125 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | Reimbursement Amount Test | Application date - X/XX/XX. First LE provided is dated X/XX/XX. An LE dated on X/XX/XX is needed. | This loan passed the reimbursement amount test. (XX CFR XXX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances. However, the provided reimbursement amount of XX, is sufficient to reimburse the consumer the amount by which the tolerances were exceeded, XX.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under XXX(e)(X)(i) or (ii), the creditor complies with XXX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation, and the creditor complies with XXX if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XX days after consummation. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | C | A | C | A | A | A | A | A | C | A | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2023010269 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | Third Party Valuation Product Not Provided and FHLMC Collateral Rep &XXXrrant Relief is Not Eligible or Unavailable. | Xrd party valuation is required per guidelines as loan amount exceeds XXX,XXX. Lender to provide. | Per LenderXXXTPV not required | X/XXXX - Per guidelines, TPV not required. CU Score is X. Exception cleared. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | D | A | D | A | A | A | D | A | C | A | D | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2023010269 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | D | A | A | A | A | A | D | A | C | A | D | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010269 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | Higher-Priced Mortgage Loan Evidence of Appraisal Delivery to the Borrower Not Provided (12 CFR 1026.3X(c)(6)). | No evidence found for appraisal delivery. Lender to provide. | Evidence of Appraisal Delivery to the Borrower Provided. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | D | A | C | A | A | A | D | A | C | A | D | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2023010247 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Property | Third Party Valuation Product Not Provided and FHLMC Collateral Rep &XXXrrant Relief is Not Eligible or Unavailable. | Third Party Valuation Product Not Provided and XXX Collateral Rep &XXXrrant Relief is Not Eligible. Third Party Valuation Product Provided. | Per LenderXXXTPV not applicable. | Third Party Valuation Product Not Provided and FHLMC Collateral Rep &XXXrrant Relief is Not Eligible. Per Lender Guidelines, not applicable loan amount is less than XXX. Exception cleared. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Borrower has more than X years at current residence - Borrower at current residence XXX years | D | A | C | A | C | A | D | A | A | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2023010247 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Credit | Hazard Insurance Coverage is Not Sufficient. | Hazard insurance coverage of XXX is not sufficent. The subject loan amount is XXX with the hazard insurance replacement coverage of No and estimated replacement value from insurance companyXXXs not provided. The replacement cost of the subjectXXX is XXX per the appraiser. Hazard insurance is in the amount of XXX with an extension available of up to XX,XXX. The total insurance amount of XXX is not adequate to replace theXXX. | X/XX/XX - Letter from insurance company received. "State Farm Homeowners policies that include Option ID are insured for a coverage amount that is at least equal to XXX of the estimated replacement cost of the home." Letter also shows - Policy DOES have Option ID. Exception cleared. &#xXD X/XX/XX - Hazard insurance coverage of XXX is not sufficent. The subject loan amount is XXX with the hazard insurance replacement coverage of No and estimated replacement value from insurance companyXXXs not provided.&#xXD The replacement cost of the subjectXXX is XXX per the appraiser. Hazard insurance is in the amount of XXX with an extension available of up to XX,XXX. The total insurance amount of XXX is not adequate to replace theXXX. |
XXX | Hazard insurance coverage is sufficient. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Borrower has more than X years at current residence - Borrower at current residence XXX years | D | A | C | A | C | A | D | A | A | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2023010247 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |
XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Borrower has more than X years at current residence - Borrower at current residence XXX years | D | A | A | A | C | A | D | A | A | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010270 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Property | Third Party Valuation Product Not Provided and FHLMC Collateral Rep &XXXrrant Relief is Not Eligible or Unavailable. | Per guidelines, XXX not required. CU Score is X. Exception cleared. Third Party Valuation Product Not Provided and XXX Collateral Rep &XXXrrant Relief is Not Eligible. | Per Lender G/L TPV not required | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XXX years | D | A | D | A | A | A | D | A | A | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2023010270 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XXX years | D | A | A | A | A | A | D | A | A | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010270 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |
XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XXX years | D | A | A | A | A | A | D | A | A | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010314 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | XXX | Borrower X has significant job time - Borrower has XX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010314 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |
XXX | Borrower X has significant job time - Borrower has XX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010311 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XX years at job. | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010311 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |
XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XX years at job. | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010186 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Credit | Liquid Reserves are less than Guidelines Required | Foreign National borrowers must have twelve (XX) monthsXXX reserves per guidelines page XX | The liquid reserves of XXX months or XXXXX, is greater than or equal to the Guidelines minimum required of XXX or XXX. X/XXXX - XXX were received. Date and amounts match what is input in the system. Per guidelines, Foreigh National borrower's MUST have XX monthsXXX reserves. XXXsh Required to close is XXX leaving reserve amount of XXXXX (XXX months). Provide updated CRSE showing reserve amountXXXlculation is approved at XXX months instead of the guidelines requirements of XX months. | XXX | Borrower has more than X years at current residence - Borrower at current residence XX years | D | A | C | A | C | A | D | A | A | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2023010186 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |
XXX | Borrower has more than X years at current residence - Borrower at current residence XX years | D | A | A | A | C | A | D | A | A | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010186 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Property | Third Party Valuation Product Not Provided and FHLMC Collateral Rep & Warrant Relief is Not Eligible or Unavailable. | Third Party Valuation Product Not Provided and XXX Collateral Rep & Warrant Relief is Not Eligible. Per guidelines, XXX not required. CU Score is X. Exception cleared. | XXX | Borrower has more than X years at current residence - Borrower at current residence XX years | D | A | D | A | C | A | D | A | A | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010312 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Credit | Hazard Insurance Coverage is Not Sufficient. | Hazard insurance coverage of XXX is not sufficent. The subject loan amount is XXX with the hazard insurance replacement coverage of No and estimated replacement value from insurance companyXXXs not provided. | X/XXX - LOX received. Confirmation Evidence of Insurance Coverage states - "XXX loss settlement provision: Replacement Cost- Similar Construction". Exception cleared. | XXX | Hazard insurance coverage is sufficient. | XXX | Borrower has more than X years at current residence - Borrower at current residence XXX years | D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2023010312 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Credit | HAZARD INSURANCE CERTIFICATE MISSING | File should contain a master policy, which is not found in the file. The hazard coverage purchase by the owner is for the unit but does not cover the replacement cost of XXX estimated by the appraiser. XXXcopy of hazard insurance certificate | X/XXX - LOX received. Confirmation Evidence of Insurance Coverage states - "XXX loss settlement provision: Replacement Cost- Similar Construction". Exception cleared. | XXX | Received copy of hazard insurance certificate | XXX | Borrower has more than X years at current residence - Borrower at current residence XXX years | D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2023010312 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |
XXX | Borrower has more than X years at current residence - Borrower at current residence XXX years | D | A | A | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010336 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. | C | A | A | A | A | A | A | A | C | A | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010336 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | TILA Finance Charge Test | The finance charge is understated by XXX due to Prepaid Interest was not included as a finance charge perXXX in the file. | This loan passed the TILA finance charge test.( XX CFR XXX(o)(X) )The finance charge is XXX. The disclosed finance charge of XXX is considered accurate because:It is understated by no more than XXX orIt is greater than the amount required to be disclosed. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. | C | A | C | A | A | A | A | A | C | A | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2023010336 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | TRID Total of Payments Test | This loan failed the TRID total of payments test. ( XX CFR XXX(o)(X) )The total of payments is XXX. The disclosed total of payments of XXX is not considered accurate because it is understated by more than XXX. | This loan passed the TRID total of payments test. ( XX CFR XXX(o)(X) )The total of payments is XXX. The disclosed total of payments of XXX is considered accurate because:It is understated by no more than XXX orIt is greater than the amount required to be disclosed. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. | C | A | C | A | A | A | A | A | C | A | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2023010313 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Credit | Note Document Indicator is Partial | Second portion for borrower's signature leftblank | Note document indicator is Present | XXX | Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXXX. Borrower has more than X years at current residence - Borrower at current residence XX years | D | A | D | A | A | A | A | A | D | A | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2023010313 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Compliance | Security Instrument Indicator is Partial | The security instrument indicator is Partial. Second portion for borrower's signature left blank | The security instrument indicator is Present | XXX | Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXXX. Borrower has more than X years at current residence - Borrower at current residence XX years | D | A | D | A | A | A | A | A | D | A | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2023010399 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | Third Party Valuation Product Not Provided and FHLMC Collateral Rep &XXXrrant Relief is Not Eligible or Unavailable. | Per guidelines, XXX not required. CU Score is X. Exception cleared. Third Party Valuation Product Not Provided and XXX Collateral Rep &XXXrrant Relief is Not Eligible. | Per Lender G/L TPV not required | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXXX are greater than the Guideline Minimum of XX or XXXX. | D | A | D | A | A | A | D | A | A | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2023010399 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXXX are greater than the Guideline Minimum of XX or XXXX. | D | A | A | A | A | A | D | A | A | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010399 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |
XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXXX are greater than the Guideline Minimum of XX or XXXX. | D | A | A | A | A | A | D | A | A | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010172 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXXX. Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XX years at job. | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010172 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |
XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXXX. Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XX years at job. | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010337 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XX is less than the Guideline DTI of XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XXX years at job. | D | A | A | A | A | A | D | A | A | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010337 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |
XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XX is less than the Guideline DTI of XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XXX years at job. | D | A | A | A | A | A | D | A | A | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010337 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | Third Party Valuation Product Not Provided and CU Score is Greater Than XXX | Per Lender Guidelines, not applicable loan amount is less than XXX and XXX Rep &XXXrrant is Eligible. Exception cleared. Third Party Valuation Product Not Provided and CU Score is XX. | Per Lender G/L TPV not required | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XX is less than the Guideline DTI of XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XXX years at job. | D | A | D | A | A | A | D | A | A | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2023010338 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |
XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXXX. Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XX years at job. | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010338 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXXX. Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XX years at job. | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010402 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. | C | A | A | A | A | A | A | A | C | A | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010402 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | Higher-Priced Mortgage Loan Evidence of Appraisal Delivery to the Borrower Not Provided (12 CFR 1026.3X(c)(6)). | Evidence of Appraisal Delivery to the Borrower Not Provided. | Evidence of Appraisal Delivery to the Borrower Provided. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. | C | A | C | A | A | A | A | A | C | A | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2023010402 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | Higher-Priced Mortgage Loan Right to Receive Appraisal Disclosure Alert (12 CFR 1026.3X(c)(X)). | Loan is a Higher-Priced Mortgage Loan and Borrower's Right to Receive Appraisal Disclosure was not provided. | Loan is a Higher-Priced Mortgage Loan and Borrower's Right to Receive Appraisal Disclosure provided. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. | C | A | C | A | A | A | A | A | C | A | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2023010350 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan ( XX CFR XXX(a)(X) )The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate by or more orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate by or more orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate by or more. | Escrow account established and appraisal receipt acknowledged within X days. | Change severity of 'Higher-Priced Mortgage Loan' from Material to Non-Material. Escrow account established and appraisal receipt acknowledged within X days. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | C | B | C | B | A | A | A | A | C | B | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |
| 2023010350 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | C | B | A | A | A | A | A | A | C | B | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |||
| 2023010339 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XX years | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010339 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |
XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XX years | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010351 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |
XXX | Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XXX years | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010351 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | XXX | Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XXX years | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010360 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Compliance | XXX Higher-Priced Mortgage Loan Finding | This loan is a higher-priced mortgage loan. ( XXX COMAR XXXXB(XX) , COMAR XXXXB(X) ) The loan is a higher-priced mortgage loan as defined in the Code of Maryland Regulations (COMAR) due the following findings: The loan is a closed-end loan with a closing date, or date creditor received application (formerly application date) if closing date is unknown, on or after the effective date of XXX andThe loan is a first lien and the APR exceeds the Average Prime Offer Rate by or more orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate by or more. For information on higher-priced mortgage loans, please see the XXX Higher-Priced Mortgage Loan Alerts below. |
Lender Acknowledged HPML Disclosure Escrow account established, and appraisal receipt acknowledged within X days. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. | D | B | C | B | D | B | D | A | D | B | D | C | D | C | D | D | D | D | D | C | D | C | D | D | D | D | D | D | D | D | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | ||
| 2023010360 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Credit | Housing history does not meet guidelines | Housing history does not meet guidelines. Five months of VOR on page XXX & XXX. Prior to that, borrower lived rent free, see page XXX. CRS cites the exception page XXX. | Per CRSE, Exception Type: Housing History Guidelines: Houshing History: XXX or XXX or XXX (no rolling) or XXX (last X months must be XXX) or XXX (last X months must be XXX) or forbearance up to X payments. HALO Actual: Housing History: Rent Free. Rationale: Borrower has X months housing history lived rent free prior to in order to save for home, Counter offered at XX ltv. Compensating Factors: Qualifying Credit Score is XXX XXX (Housing Ratio) or XXX (Totl) Verified Reserves are XX Residual Income of XXX. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. | D | B | C | B | D | B | D | A | D | B | D | C | D | C | D | D | D | D | D | C | D | C | D | D | D | D | D | D | D | D | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | ||
| 2023010360 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan ( XX CFR XXX(a)(X) )The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate by or more orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate by or more orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate by or more. | Lender Acknowledged HPML Disclosure Escrow account established, and appraisal receipt acknowledged within X days. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. | D | B | C | B | D | B | D | A | D | B | D | C | D | C | D | D | D | D | D | C | D | C | D | D | D | D | D | D | D | D | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | ||
| 2023010360 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | Final Loan Application is Partial | Final Loan Application does not have any income stated in the Employment Section. Loan is a XXX only show X account being used. Additional accounts were included in the AssetXXXlculation to meetXXXsh to Close and Reserve Requirements. Final Loan Application is Partial | Received LOX - Since this is a XXX or what isXXXlculated. This is the reason some clients elect to leave this blank. As for the Assets. The XXX only shows checking account and the funds available. Is there aXXXy around having the borrower sign a new XXX when we know there are enough funds to close the loan. Exception cleared. | Final Loan Application is Present | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. | D | B | D | A | D | B | D | A | D | B | D | C | D | C | D | D | D | D | D | C | D | C | D | D | D | D | D | D | D | D | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | |
| 2023010360 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | Homeownership Counseling Disclosure is Missing | The homeownership disclosure is Missing | Received copy of Homeownerhip Disclosure dated X/XXXX. Exception cleared. | The homeownership disclosure is recieved. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. | D | B | B | A | D | B | D | A | D | B | D | C | D | C | D | D | D | D | D | C | D | C | D | D | D | D | D | D | D | D | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | |
| 2023010360 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | Initial Escrow Account Disclosure is Missing | The initial escrow account disclosure is Missing | Received copy of IEAD dated X/XXXX. Exception cleared. | The initial escrow account disclosure is Present | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. | D | B | D | A | D | B | D | A | D | B | D | C | D | C | D | D | D | D | D | C | D | C | D | D | D | D | D | D | D | D | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | |
| 2023010361 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |
XXX | Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XX years | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010361 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | XXX | Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XX years | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010366 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |
XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. | D | A | A | A | A | A | D | A | A | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010366 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. | D | A | A | A | A | A | D | A | A | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010367 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |
XXX | Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXX are greater than the Guideline Minimum of XX or XXXX. Borrower has more than X years at current residence - Borrower at current residence XXX years | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010367 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | XXX | Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXX are greater than the Guideline Minimum of XX or XXXX. Borrower has more than X years at current residence - Borrower at current residence XXX years | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010367 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | XXX | Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXX are greater than the Guideline Minimum of XX or XXXX. Borrower has more than X years at current residence - Borrower at current residence XXX years | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010368 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Credit | Housing history does not meet guidelines | Housing history does not meet guidelines. Change status of 'Housing history does not meet guidelines' from Active to Acknowledged by Client. Lender approved the exception for the X month housing history because the borrower was temporarily living with his daughter while the subject property was completed. The lender cited X previous XX month histories as well as the XXX FICO, XXXXX front and back ratios, XXX months in reserves and XX years employment as compensating factors. Change severity of 'Housing history does not meet guidelines' from Material to Non-Material. |
XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | D | B | C | B | C | B | D | A | A | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | D | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||
| 2023010368 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |
XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | D | B | A | A | C | B | D | A | A | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | D | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||
| 2023010059 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has stable job time - Borrower has XX years at job. | C | B | A | A | A | A | A | A | C | B | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |||
| 2023010059 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | Charges ThatXXXnnot Increase Test | This loan failed the charges thatXXXnnot increase test. (XX CFR XXX(e)(X)(i))The loan contains charges that exceed the good faith determination according to XXX(e)(X)(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 ThatXXXnnot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under XXX(e)(X)(i). Tolerance violation due to an addition of a title-courier fee of XXX without a valid COC in file. | This loan passed the charges thatXXXnnot increase test. (XX CFR XXX(e)(X)(i))The loan contains charges that do not exceed the good faith determination according to XXX(e)(X)(i).Please see the Tolerance Comparison Table that displays the Charges ThatXXXnnot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under XXX(e)(X)(i). | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has stable job time - Borrower has XX years at job. | C | B | C | A | A | A | A | A | C | B | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | ||
| 2023010059 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | Reimbursement Amount Test | This loan failed the reimbursement amount test. (XX CFR XXX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances and the provided reimbursement amount of XX, is not sufficient to reimburse the consumer the amount by which the tolerances were exceeded, XXX.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under XXX(e)(X)(i) or (ii), the creditor complies with XXX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation, and the creditor complies with XXX if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XX days after consummation. | This loan passed the reimbursement amount test. (XX CFR XXX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances. However, the provided reimbursement amount of XX, is sufficient to reimburse the consumer the amount by which the tolerances were exceeded, XX.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under XXX(e)(X)(i) or (ii), the creditor complies with XXX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation, and the creditor complies with XXX if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XX days after consummation. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has stable job time - Borrower has XX years at job. | C | B | C | A | A | A | A | A | C | B | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | ||
| 2023010059 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | Consummation or Reimbursement Date Validation Test | 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 reimbursementXXXlculations. | This compliance test 'Consummation or Reimbursement Date Validation Test' is no longer tested | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has stable job time - Borrower has XX years at job. | C | B | C | A | A | A | A | A | C | B | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | ||
| 2023010059 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan ( XX CFR XXX(a)(X) )The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate by or more orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate by or more orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate by or more. | Escrow account established, and appraisal receipt acknowledged within X days. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has stable job time - Borrower has XX years at job. | C | B | C | B | A | A | A | A | C | B | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | ||
| 2023010025 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |
XXX | Borrower X has significant job time - Borrower has XXX years on job Borrower has stable job time - Borrower has XXX years at job. Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | C | A | A | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010025 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Credit | DTI Exceeds AUS Maximum Allowable | The back-end DTI of XXX (Total Income of XXX, Orig PITI of XXX, Monthly debt of XXX) exceeds the maximum allowable per AUS of XXX Income - XX,XXX Subj PITI - X,XXX Primary Residence - X,XXX Liabilities - X,XXX Rental Liabilities - XXX XX,XXX / XX,XXX = XXX |
XXX - Subject PITIXXXs updated based off the current market rent value. PITI (once rented) negative net rent would be XXX. Updated/cleared exception. XXX - The back-end DTI of XXX (Total Income of XXX, Orig PITI of XXX, Monthly debt of XXX) exceeds the maximum allowable per AUS of XXX DTI breakdown: XXX – Subject PITI XXX – Primary PITI XXX – Liabilities ( XXX XXX - XXX CU XXX - XXX XXX - One XXX - XXX = Total XXX) XXX – Rental Liabilities (XXX - -XXX XXX-XXX - -XXX XXX - -XXX = Total -XXX) XXX – Income XXX + XXX + XXX + XXX = XXX / XXX = XXX DTI XXX - XXX - Subj PITI - The HOA fees (XXX) were not included in theXXXlculation (First Payment Letter). Primary Residence - HOA information provided (XXX - monthly fee) whichXXXs added toXXXlculation. XXX - The back-end DTI of XXX (Total Income of XXX, Orig PITI of XXX, Monthly debt of XXX) exceeds the maximum allowable per AUS of XXX Income - XX,XXX Subj PITI - X,XXX Primary Residence - X,XXX Liabilities - X,XXX Rental Liabilities - XXX XX,XXX / XX,XXX = XXX The back-end DTI of XXX (Total Income of XXX, Orig PITI of XXX, Monthly debt of XXX) exceeds the maximum allowable per AUS of XXX DTI breakdown: XXX – Subject PITI XXX – Primary PITI XXX – Liabilities ( XXX XXX - XXX CU XXX - XXX & XXX - One XXX - XXX = Total XXX) XXX – Rental Liabilities (XXX K - -XXX XXX-XXX G - -XXX XXX Serenbe - -XXX = Total -XXX) XXX – Income XXX + XXX + XXX + XXX = XXX / XXX = XXX DTI XXX - XXX - Subj PITI - The HOA fees (XXX) were not included in theXXXlculation (First Payment Letter). Primary Residence - HOA information provided (XXX - monthly fee) whichXXXs added toXXXlculation. XXX - The back-end DTI of XXX (Total Income of XXX, Orig PITI of XXX, Monthly debt of XXX) exceeds the maximum allowable per AUS of XXX Income - XX,XXX Subj PITI - X,XXX Primary Residence - X,XXX Liabilities - X,XXX Rental Liabilities - XXX XX,XXX / XX,XXX = XXX XXX - Subj PITI - The HOA fees (XXX) were not included in theXXXlculation (First Payment Letter). Primary Residence - HOA information provided (XXX - monthly fee) whichXXXs added toXXXlculation. XXX - The back-end DTI of XXX (Total Income of XXX, Orig PITI of XXX, Monthly debt of XXX) exceeds the maximum allowable per AUS of XXX Income - XX,XXX Subj PITI - X,XXX Primary Residence - X,XXX Liabilities - X,XXX Rental Liabilities - XXX XX,XXX / XX,XXX = XXX |
XXX | Exception resolved | XXX | Borrower X has significant job time - Borrower has XXX years on job Borrower has stable job time - Borrower has XXX years at job. Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2023010001 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | Third Party Valuation Product Not Provided and CU Score is Greater Than XXX | The file contains X full appraisals. XXX not required. Exception cleared. Third Party Valuation Product Not Provided and CU Score is XX. | File has two full appraisal. TPV not required. Exception cleared. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Borrower has stable job time - Borrower has XX years at job. | D | B | C | A | C | B | D | A | A | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | D | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | ||
| 2023010001 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Credit | Housing history does not meet guidelines | Change status of 'Housing history does not meet guidelines' from Active to Acknowledged by Client. Change severity of 'Housing history does not meet guidelines' from Material to Non-Material. Housing history does not meet guidelines. Housing history of XXX exceeds delinquency allowance inXXX. Lender approved exception citing low front-end ratio and residual income as compensating factors. | Client provided exception approval | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Borrower has stable job time - Borrower has XX years at job. | D | B | C | B | C | B | D | A | A | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | D | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | ||
| 2023010001 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Credit | Underwriting CLTV exceeds Guideline Maximum Allowable | Change severity of 'Underwriting CLTV exceeds Guideline Maximum Allowable' from Material to Non-Material. Exception approved by lender to allow XX LTV/CLTV. Lender cited XX front end DTI as being XX below the program maxium, XXk per month in residual income as the compensating factors. Change status of 'Underwriting CLTV exceeds Guideline Maximum Allowable' from Active to Acknowledged by Client. Underwriting CLTV of XXX is greater than the maximum allowable guideline CLTV of XXX. | Client provided exception approval | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Borrower has stable job time - Borrower has XX years at job. | D | B | C | B | C | B | D | A | A | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | D | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | ||
| 2023010001 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Credit | Underwriting LTV exceeds Guideline Maximum Allowable | Change status of 'Underwriting LTV exceeds Guideline Maximum Allowable' from Active to Acknowledged by Client. Change severity of 'Underwriting LTV exceeds Guideline Maximum Allowable' from Material to Non-Material. Exception approved by lender to allow XX LTV/CLTV. Lender cited XX front end DTI as being XX below the program maxium, XXk per month in residual income as the compensating factors. Underwriting LTV of XXX is greater than the maximum allowable guideline LTV of XXX based on a loan amount of XXX and value used for LTV of ___. | Client provided exception approval | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Borrower has stable job time - Borrower has XX years at job. | D | B | C | B | C | B | D | A | A | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | D | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | ||
| 2023010001 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |
XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Borrower has stable job time - Borrower has XX years at job. | D | B | A | A | C | B | D | A | A | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | D | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||
| 2023010007 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Property | Appraisal guideline violation | Appraisal guideline violation: Acreage exceeds maximum allowed by product. | Client provided exception approval. | Change severity of 'Appraisal guideline violation' from Material to Non-Material. Client provided guideline exception allowing for acreage exceeding maximum allowed by product based on XXX FICO, no lates ever on credit back to XXX and XXX more reserves than required. Change status of 'Appraisal guideline violation' from Active to Acknowledged by Client. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XXX years | C | B | C | B | C | A | C | B | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |
| 2023010007 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | Minimum Trade Line Requirement Not Met | Borrower(s) have not met the minimum tradeline requirement per lender guidelines. | Borrower(s) have met the minimum tradeline requirement per lender guidelines. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XXX years | C | B | C | A | C | A | C | B | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | ||
| 2023010007 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |
XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XXX years | C | B | A | A | C | A | C | B | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||
| 2023010027 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |
XXX | Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XXX years at job. Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | C | A | A | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010027 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | DTI Exceeds AUS Maximum Allowable | The back-end DTI of XX (Total Income of XXXXX, Orig PITI of XXX, Monthly debt of XXX) exceeds the maximum allowable per AUS of XX | Received LOX email with a copy of the final XXX and final XXX. Original UW provided additional notes on the LOX. The subject property/residential/additional investment property were notXXXlculated properly. Exception cleared. | The back-end DTI of XX (Total Income of XXX, Orig PITI of XXXX, Monthly debt of XXXX) is not greater than the maximum allowable per AUS of XX | XXX | Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XXX years at job. Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2023010054 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |
XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | C | B | A | A | C | B | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||
| 2023010054 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | C | B | A | A | C | B | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||
| 2023010054 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Credit | Minimum Trade Line Requirement Not Met | Borrower(s) have not met the minimum tradeline requirement per lender guidelines. LenderXXXs : X trade lines reporting for ≥ XX month or X trade lines reporting for ≥ XX months with activity in the past XX months. BR has X tradelines reporting for XX months. Lender approved exception in file on page XXX. |
Change severity of 'Minimum Trade Line Requirement Not Met' from Material to Non-Material. Change status of 'Minimum Trade Line Requirement Not Met' from Active to Acknowledged by Client. Client provided a guideline exception allowing for X tradelines reporting for XX months based on no lates on credit since DTI< XX, LTV XX, residual income XXk. |
XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | C | B | C | B | C | B | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | ||
| 2023010045 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |
XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XX years | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010045 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XX years | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010045 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XX years | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010014 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |
XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010014 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010041 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan ( XX CFR XXX(a)(X) )The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate by or more orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate by or more orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate by or more. | Escrow account established, and appraisal receipt acknowledged within X days. | Change severity of 'Higher-Priced Mortgage Loan' from Material to Non-Material. Escrow account established, and appraisal receipt acknowledged within X days. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | C | B | C | B | C | B | A | A | C | B | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | |
| 2023010041 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Credit | Borrower Income Verification does not match Approval | The borrower income verification does not match approval | Change status of 'Borrower Income Verification does not match Approval' from Active to Acknowledged by Client. Client provided a guideline exception allowing for X NSFs based on borrower having a XXX FICO and no derogatory credit since inception. |
XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | C | B | C | B | C | B | A | A | C | B | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | ||
| 2023010037 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Acknowledged | Property | Appraisal guideline violation | Appraisal guideline violation: Change severity of 'Appraisal guideline violation' from Material to Non-Material. Rural property is ineligible. Lender approved exception citing XXX FICO, and the borrower is a seasoned XXX who owns multiple investment properties as compensating factors. Change status of 'Appraisal guideline violation' from Active to Acknowledged by Client. | Client provided exception approval | Change severity of 'Appraisal guideline violation' from Material to Non-Material. Rural property is ineligible. Lender approved exception citing XXX FICO, and the borrower is a seasoned XXX who owns multiple investment properties as compensating factors. Change status of 'Appraisal guideline violation' from Active to Acknowledged by Client. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. | C | B | C | B | C | B | C | B | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | |
| 2023010037 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Acknowledged | Credit | Housing history does not meet guidelines | Change status of 'Housing history does not meet guidelines' from Active to Acknowledged by Client. Housing history does not meet guidelines. Change severity of 'Housing history does not meet guidelines' from Material to Non-Material. Borrower rents, and only has X month housing history. The lender approved the exception citing a XXX FICO as the compensating factor. | Client provided exception approval | Change status of 'Housing history does not meet guidelines' from Active to Acknowledged by Client. Borrower rents, and only has X month housing history. The lender approved the exception citing a XXX FICO as the compensating factor. Change severity of 'Housing history does not meet guidelines' from Material to Non-Material. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. | C | B | C | B | C | B | C | B | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | |
| 2023010037 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |
XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. | C | B | A | A | C | B | C | B | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||
| 2023010016 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |
XXX | Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010016 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | XXX | Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010035 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | XXX | Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010035 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |
XXX | Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010030 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | TX Constitution A6 Required Fees Test | Provide Final Settlement Statement or list of exempt fees for APR testing. Current threshold shows an increase of XXX in required fees. This loan failed the required fees test. (Texas Constitution, Article XX, Section XX (a)(X)(E) &amp (t)(X), asXXX. XXX)The loan requires the borrower(s) to pay, in addition to interest, fees to any person that are necessary to originate, evaluate, maintain, record, insure, or service the extension of credit that exceed X of the original principal amount, excluding fees for: An appraisal performed by a third party appraiser A property survey performed by a state registered or licensed surveyor A state base premium for a mortgagee policy of title insurance with endorsements established in accordance with state law, or a title examination report if its cost is less than the state base premium for a mortgagee policy of title insurance without endorsements established in accordance with state law. | This loan passed the required fees test. (Texas Constitution, Article XX, Section XX (a)(X)(E) &amp (t)(X), asXXX. XXX)The loan requires the borrower(s) to pay, in addition to interest or any XXXfide discount points used to buy down the interest rate, any fees to any person that are necessary to originate, evaluate, maintain, record, insure, or service the extension of credit that do not exceed X of the original principal amount, excluding fees for: An appraisal performed by a third party appraiser A property survey performed by a state registered or licensed surveyor A state base premium for a mortgagee policy of title insurance with endorsements established in accordance with state law, or a title examination report if its cost is less than the state base premium for a mortgagee policy of title insurance without endorsements established in accordance with state law. the fee’s are outlined below. Providing a Start rate or Discount Point acknowledgement, the Discount Points could be excluded and it would clear that exception. All fees were borrower paid: • Application Fee - XXX • State – Texas Document Review Fee - XXX •XXXood Certification - XXX • Origination Fee - XXXX • Recording Fees - XXX • XX of Loan Amount (Points) - XXXX • Processing Fees - XXX • Title – Recording Services - XX • Title – Settlement Fee - X XXX • Title – Courier Messenger Fees - XXX • Title – Tax Certificate - XXX • Title – Guaranty Fee - XX |
XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | C | A | C | A | A | A | A | A | C | A | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2023010030 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | C | A | A | A | A | A | A | A | C | A | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010031 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | Hazard Insurance Coverage is Not Sufficient. | Neither the insurance company nor the appraiser provided a replacement cost for the subject property. The hazard coverage provided of XXX is less than the loan amount and coverage only goes up to the amount bound, there is no extension of coverage noted in the policy. Hazard insurance coverage of XXX is not sufficent. The subject loan amount is XXX with the hazard insurance replacement coverage of No and estimated replacement value from insurance companyXXXs not provided. | X/XXX - Received LOX w/ replacement cost estimator. Replacement Cost shows coverage amount is XXX. Exception cleared. | XXX | Hazard insurance coverage is sufficient. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. | C | A | C | A | C | A | A | A | C | A | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2023010031 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | Charges ThatXXXnnot Increase Test | This loan failed the charges thatXXXnnot increase test. (XX CFR XXX(e)(X)(i))The loan contains charges that exceed the good faith determination according to XXX(e)(X)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is X,XXX.Please see the Tolerance Comparison Table that displays the Charges ThatXXXnnot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under XXX(e)(X)(i). File XXXInitial LE XXX | This loan passed the charges thatXXXnnot increase test. (XX CFR XXX(e)(X)(i))The loan contains charges that do not exceed the good faith determination according to XXX(e)(X)(i).Please see the Tolerance Comparison Table that displays the Charges ThatXXXnnot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under XXX(e)(X)(i). This loan failed the charges thatXXXnnot increase test. (XX CFR XXX(e)(X)(i))The loan contains charges that exceed the good faith determination according to XXX(e)(X)(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 ThatXXXnnot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under XXX(e)(X)(i). | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXXX. Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. | C | A | C | A | C | A | A | A | C | A | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2023010031 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | Charges That In TotalXXXnnot Increase More Than Test | This loan failed the charges that in totalXXXnnot increase more than XX test. (XX CFR XXX(e)(X)(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 XXX(e)(X)(ii). The final charges that in totalXXXnnot increase more than XX (XXX) exceed the comparable charges (XX) by more than XX. Please see the table that displays the Charges ThatXXXnnot Increase More Than XX 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 XXX(e)(X)(i) by more than XX 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 XXX(e)(X)(vi). File XXXInitial LE XXX | This loan passed the charges that in totalXXXnnot increase more than XX test. (XX CFR XXX(e)(X)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges were in good faith according to XXX(e)(X)(ii). The final charges that in totalXXXnnot increase more than XX (XXX) do not exceed the comparable charges (XXX) by more than XX. Please see the table that displays the Charges ThatXXXnnot Increase More Than XX 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 XXX(e)(X)(i) by more than XX 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 XXX(e)(X)(vi). | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXXX. Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. | C | A | C | A | C | A | A | A | C | A | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2023010031 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | Consummation or Reimbursement Date Validation Test | 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 reimbursementXXXlculations. File XXXInitial LE XXX | This compliance test 'Consummation or Reimbursement Date Validation Test' is no longer tested 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 reimbursementXXXlculations. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXXX. Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. | C | A | C | A | C | A | A | A | C | A | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2023010031 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | Initial Loan Estimate Delivery Date Test (from application) | This loan failed the initial loan estimate delivery date test (from application) due to one of the following: ( XX CFR XXX(e)(X)(iii)(A) )The initial loan estimate delivery date is later than the third business day (counting days on which the creditor's offices are open to the public forXXXrrying on substantially all of its business functions) after the creditor or broker receives the consumer's written application.Therefore, if additional disclosures are entered into ComplianceAnalyzer, any values that would change under a valid changed circumstance if the initial loan estimate had been delivered timely, will not reset the baseline for tolerance purposes. The comparable fees for this loan will be X, regardless of the actual values on the disclosure.ThisXXXlculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open forXXXrrying on substantially all of its business functions, as described in §XXX(a)(X) and as it relates to XXX(e)(X)(iii)(A) (initial loan estimate disclosure three business days after application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:NoneThe creditor shall deliver or place in the mail the disclosures required under XXX(e)(X)(i) (provision of loan estimate form) not later than the third business day after the creditor receives the consumer's application. File XXXInitial LE XXX | This loan passed the initial loan estimate delivery date test (from application).( XX CFR XXX(e)(X)(iii)(A) )The initial loan estimate delivery date is not later than the third business day (counting days on which the creditor's offices are open to the public forXXXrrying on substantially all of its business functions) after the creditor or broker receives the consumer's written application.ThisXXXlculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open forXXXrrying on substantially all of its business functions, as described in §XXX(a)(X) and as it relates to XXX(e)(X)(iii)(A) (initial loan estimate disclosure three business days after application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:NoneThe creditor shall deliver or place in the mail the disclosures required under XXX(e)(X)(i) (provision of loan estimate form) not later than the third business day after the creditor receives the consumer's application. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXXX. Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. | C | A | C | A | C | A | A | A | C | A | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2023010031 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | Reimbursement Amount Test | This loan failed the reimbursement amount test. (XX CFR XXX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances and the provided reimbursement amount of XX, is not sufficient to reimburse the consumer the amount by which the tolerances were exceeded, X,XXX.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under XXX(e)(X)(i) or (ii), the creditor complies with XXX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation, and the creditor complies with XXX if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XX days after consummation. File XXXInitial LE XXX | This loan passed the reimbursement amount test. (XX CFR XXX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances. However, the provided reimbursement amount of XX, is sufficient to reimburse the consumer the amount by which the tolerances were exceeded, XX.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under XXX(e)(X)(i) or (ii), the creditor complies with XXX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation, and the creditor complies with XXX if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XX days after consummation. This loan failed the reimbursement amount test. (XX CFR XXX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances and the provided reimbursement amount of XX, is not sufficient to reimburse the consumer the amount by which the tolerances were exceeded, XXX.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under XXX(e)(X)(i) or (ii), the creditor complies with XXX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation, and the creditor complies with XXX if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XX days after consummation. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXXX. Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. | C | A | C | A | C | A | A | A | C | A | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2023010046 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan ( XX CFR XXX(a)(X) )The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate by or more orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate by or more orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate by or more. Escrow account established, and appraisal receipt acknowledged within X days. | Escrow account established, and appraisal receipt acknowledged within X days. | Change severity of 'Higher-Priced Mortgage Loan' from Material to Non-Material | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. | D | B | C | B | C | B | D | A | C | B | D | C | D | C | D | C | D | C | D | C | D | C | D | C | D | C | D | C | D | C | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | |
| 2023010046 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Credit | Qualifying DTI exceeds Guideline Maximum Allowable | Qualifying DTI of XXX exceeds guideline maximum of XXX. | This pertains to the Front-end Ratio, which has a XX max. Borrower's Housing Ratio is XXX Lender approved the exception, citing XXX FICO and no derogatory credit ever as the compensating factors. | XXX | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. | D | B | C | B | C | B | D | A | C | B | D | C | D | C | D | C | D | C | D | C | D | C | D | C | D | C | D | C | D | C | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | |
| 2023010028 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | DTI Exceeds AUS Maximum Allowable | The back-end DTI of XXX (Total Income of XXX, Orig PITI of XX XXX, Monthly debt of XXX) exceeds the maximum allowable per AUS of XXX | The qualifying back-end DTI of XXX (Total Income of XXX, Orig PITI of XX XXX, Monthly debt of XXX) is not greater than the maximum allowable per AUS of XXX The back-end DTI of XXX (Total Income of XXX, Orig PITI of XX XXX, Monthly debt of XXX) is not greater than the maximum allowable per AUS of XXX XXX - Updated note from UW with Credit Risk Summary showing the Updated DTI is XXX . | XXX | Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XXX years at job. Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. | C | A | C | A | A | A | A | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2023010028 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |
XXX | Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XXX years at job. Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. | C | A | A | A | A | A | A | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010050 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Acknowledged | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan ( XX CFR XXX(a)(X) )The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate by or more orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate by or more orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate by or more. | Change severity of 'Higher-Priced Mortgage Loan' from Material to Non-Material. Escrow account established, and appraisal receipt acknowledged within X days. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XX years | C | B | C | B | A | A | A | A | C | B | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | ||
| 2023010050 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XX years | C | B | A | A | A | A | A | A | C | B | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |||
| 2023010050 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XX years | C | B | A | A | A | A | A | A | C | B | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |||
| 2023010051 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan ( XX CFR XXX(a)(X) )The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate by or more orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate by or more orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate by or more. | Escrow account established, and appraisal receipt acknowledged within X days. | Change severity of 'Higher-Priced Mortgage Loan' from Material to Non-Material. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | C | B | C | B | A | A | A | A | C | B | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |
| 2023010051 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | C | B | A | A | A | A | A | A | C | B | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |||
| 2023010051 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | C | B | A | A | A | A | A | A | C | B | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |||
| 2023010026 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XX years at job. | D | A | A | A | A | A | A | A | D | A | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010026 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | eSigned Documents Consent is Missing | The eSigned documents consent is Missing. | The eSigned documents consent is Present. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XX years at job. | D | A | D | A | A | A | A | A | D | A | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2023010026 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | Cleared | Compliance | Home Loan | Home Loan (RI HB XXX § X, RI § XX-XX-X (m)) The loan is a home loan, as defined in the legislation, due to one of the following findings: The loan is secured by a mortgage or deed of trust on real estate upon which there is located or there is to be located a structure or structures designed principally for occupancy of from one to four families which is or will be occupied by a borrower as the borrower's principal dwelling orThe loan is secured by a security interest on a manufactured home which is or will be occupied by a borrower as the borrower's principal dwelling. |
XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XX years at job. | D | A | A | A | A | A | A | A | D | A | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||||
| 2023010026 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | Cleared | Compliance | Potential Predatory Loan | Potential Predatory Loan (RI Providence ORPL § X (a) "predatory loan") The loan is a potential predatory loan due to one or more of the following findings: The loan is a "home loan" as defined in RI § XX-XX-X(m) orThe loan is a "high-cost home loan" as defined in RI § XX-XX-X(l). In addition to being a "home loan" or "high-cost home loan," there are various factors that contribute to a loan becoming a "predatory loan," but many of theseXXXnnot be quantified. Please see the alert text (below) for more information. |
XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XX years at job. | D | A | C | A | A | A | A | A | D | A | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||||
| 2023010026 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | Cleared | Compliance | State Defined Home Loan | Home Loan (RI Providence ORPL § X (a) "predatory loan") , (RI HB XXX § X, RI § XX-XX-X, § XX-XX-X (m)) The loan is a home loan, as defined in RI § XX-XX-X, due to one of the following findings: The loan is secured by a mortgage or deed of trust on real estate upon which there is located or there is to be located a structure or structures designed principally for occupancy of from one to four families which is or will be occupied by a borrower as the borrower's principal dwelling orThe loan is secured by a security interest on a manufactured home which is or will be occupied by a borrower as the borrower's principal dwelling. |
XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XX years at job. | D | A | A | A | A | A | A | A | D | A | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||||
| 2023010029 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | Liquid Reserves (Dollar Amount) are less than AUS Minimum Required | The liquid reserves of -XXXX are less than the minimum required per AUS of XXX. | The liquid reserves of XXX are greater than or equal to the AUS minimum required of XXX. The liquid reserves of XX are less than the minimum required per AUS of XXX. XXX - Received clarification of Reserve funds. Bwr closed on another REO and used theXXXsh Out Funds (XXXXXX) as reserves for this loan. CD/Note provided. XX/X/XX - The liquid reserves of -XXXX are less than the minimum required per AUS of XXX. |
XXX | Borrower has more than X years at current residence - Borrower at current residence XX years Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. | C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2023010029 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | InsufficientXXXsh to close. | Cash to close in the amount of XXXXXX is greater than the available asset amount of XXX. | SufficientXXXsh to close is documented.XXXsh to close in the amount of XXXXXX is greater than the available asset amount of XXXXXX. XXX - Received clarification of Reserve funds. Bwr closed on another REO and used theXXXsh Out Funds (XXXXXX) as reserves for this loan. CD/Note provided. Cash to close in the amount of XXXXXX is greater than the available asset amount of XXX. |
XXX | Borrower has more than X years at current residence - Borrower at current residence XX years Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. | C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2023010029 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |
XXX | Borrower has more than X years at current residence - Borrower at current residence XX years Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. | C | A | A | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010032 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | XXX | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XX years | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010032 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |
XXX | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XX years | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010039 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |
XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010039 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010011 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Credit | Borrower Income Verification is less than 12 months | . Borrower Income Verification of XX is less than XX months. Income Verification of ___ is greater than XX months. | DSCR - No incomeXXXlculated. . | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XX years | C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2023010011 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |
XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XX years | C | A | A | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010042 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | Borrower Employment Verification does not meet guidelines | XXXLLC documentation - for XXX LLC operating agreement | LLC documentation is not required. Bank Statement loan with Business documentation and Bank Statement Questionnaire provided. Exception cleared. | The exception 'Borrower Employment Verification does not meet guidelines' is cleared. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | D | B | C | A | D | B | A | A | C | B | C | C | A | C | D | D | A | C | C | C | A | C | D | D | A | C | D | D | A | C | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | |
| 2023010042 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Credit | Unresolved derogatory credit | Borrower has unresolved derogatory credit. Credit report page XXX and XXX shows three (X)XXX collection accounts IAO XXX and two (X) charge off accounts (purchased by other)- outsideXXX and within past two years- XXXexception for these collection accounts. | Per CRSE, client acknowledges: Credit: Credit Score does not meet program requirements. Actual - XXX Other Credit: Collection/Charge Off - Result of Credit/Identiy Fraud. XX LTV max, pgrm max is XX >XX mos post closing (cash out) >XXk residual income, pgrm min is XXX XX yrs stable employment. Acknowledged by Client. | Change severity of 'Unresolved derogatory credit' from Material to Non-Material. Per CRSE, client acknowledges: Credit: Credit Score does not meet program requirements. Actual - XXX Other - Credit: Collection/Charge Off - Result of Credit/Identity Fraud. Compensating Factors: XX LTV max, pgrm max is XX >XXmos post closing (Cash Out) >XXk residual income, pgrm min is XXX' XX yrs stable income. Acknowledged by Client. Change status of 'Unresolved derogatory credit' from Active to Acknowledged by Client. Per CRSE, client acknowledges: Credit: Credit Score does not meet program requirements. Actual - XXX Other - Credit: Collection/Charge Off - Result of Credit/Identity Fraud. Compensating Factors: XX LTV max, pgrm max is XX >XXmos post closing (Cash Out) >XXk residual income, pgrm min is XXX' XX yrs stable income. Acknowledged by Client. |
XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | D | B | C | B | D | B | A | A | C | B | C | C | A | C | D | D | A | C | C | C | A | C | D | D | A | C | D | D | A | C | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | |
| 2023010042 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan ( XX CFR XXX(a)(X) )The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate by or more orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate by or more orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate by or more. | Change severity of 'Higher-Priced Mortgage Loan' from Material to Non-Material. Escrow account established, and appraisal receipt acknowledged within X days. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | D | B | C | B | D | B | A | A | C | B | C | C | A | C | D | D | A | C | C | C | A | C | D | D | A | C | D | D | A | C | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | ||
| 2023010042 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | Transmittal Summary is Partial | The transmittal summary is Partial - XXXAO Credit Review Summary Exception. | Received CRSE on loan. Exception cleared. | The transmittal summary is Present | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | D | B | D | A | D | B | A | A | C | B | C | C | A | C | D | D | A | C | C | C | A | C | D | D | A | C | D | D | A | C | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | |
| 2023010043 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | Housing history does not meet guidelines | Housing history does not meet guidelines. Primary is free and clear however, no paid mtg on credit bureau and no exception in file for no XX month VOM. Housing history does not meet guidelines. Housing delinquency meets guidelines. Primary Free and Clear just escrows, released in file | Received LOX and confirmation - proeprtyXXXs owned by our borrower jointly with her spouse XXX. Only DavisXXXs on the loan note, therefore our borrowerXXX did not have a mortgage liability for the past XX months. Her HOA dues were paid monthly and on time and the payment history follows as well as a copy of the loan note. Exception cleared. | Housing delinquency meets guidelines. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has stable job time - Borrower has XX years at job. | D | A | C | A | C | A | D | A | A | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2023010043 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |
XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has stable job time - Borrower has XX years at job. | D | A | A | A | C | A | D | A | A | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010022 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |
XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XXX years | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010022 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XXX years | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010022 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XXX years | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010024 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Active | Compliance | Interest Rate Test | This loan failed the interest rate test. The loan has an interest rate that does not conform to the requirements for the lender's license type in the state where the property is located. |
XXX | Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXXX. Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XX years at job. | C | B | B | B | A | A | A | A | C | B | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |||
| 2023010024 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan ( XX CFR XXX(a)(X) )The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate by or more orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate by or more orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate by or more. | Escrow account established, and appraisal receipt acknowledged within X days. | Change severity of 'Higher-Priced Mortgage Loan' from Material to Non-Material. | XXX | Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXXX. Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XX years at job. | C | B | C | B | A | A | A | A | C | B | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |
| 2023010024 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | XXX | Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXXX. Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XX years at job. | C | B | A | A | A | A | A | A | C | B | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |||
| 2023010024 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | XXX | Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXXX. Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XX years at job. | C | B | A | A | A | A | A | A | C | B | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |||
| 2023010033 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Credit | Residual income does not meet guidelines. | Residual income of XX XXX does not meet minimum guidelines. Approval in place. Page XXX | Client provided exception approval. | Change severity of 'Residual income does not meet guidelines.' from Material to Non-Material. Client provided guideline exception allowing for XXX in residual income based on no lates in XX months and LTV of XXX. Change status of 'Residual income does not meet guidelines.' from Active to Acknowledged by Client. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XX years at job. | C | B | C | B | C | B | A | A | C | A | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |
| 2023010033 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | XXXFide Discount Points Test | This loan failed the XXXfide discount points test. (NC §XX-XA (c)(X)(b)) The loan is a first lien mortgage and has a principal amount that is greater than or equal to XX,XXX and charges discount points that are not paid for the purpose of reducing, and do not in fact result in a XXXfide reduction of the interest rate. Points are treated as paid for the purpose of reducing, and in fact result in a XXXfide reduction of the interest rate, if they are marked as "XXX." |
This loan passed the XXXfide discount points test. (NC §XX-XA (c)(X)(b)) The loan is a first lien mortgage and has a principal amount that is greater than or equal to XX,XXX and charges discount points that are paid for the purpose of reducing, and in fact result in a XXXfide reduction of the interest rate. Points are treated as paid for the purpose of reducing, and in fact result in a XXXfide reduction of the interest rate, if they are marked as "XXX." |
XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XX years at job. | C | B | C | A | C | B | A | A | C | A | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | ||
| 2023010034 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |
XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Borrower has stable job time - Borrower has XX years at job. | C | A | A | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010040 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |
XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XX years | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010040 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XX years | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010038 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Property | Third Party Valuation Product Not Provided | CU score X and XXXthird party valuation to support appraised value. | Secondary Product Provided | XXX | Exception resolved | XXX | Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXX are greater than the Guideline Minimum of XX or XXX. | D | A | D | A | A | A | D | A | A | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2023010038 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |
XXX | Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXXX are greater than the Guideline Minimum of XX or XXXX. | D | A | A | A | A | A | D | A | A | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010017 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |
XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has stable job time - Borrower has XX years at job. | D | A | A | A | A | A | D | A | A | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010017 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has stable job time - Borrower has XX years at job. | D | A | A | A | A | A | D | A | A | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010017 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | Third Party Valuation Product Not Provided and CU Score is Greater Than XXX | Third Party Valuation Product Not Provided and CU Score is XX. | Third Party Valuation Product Provided. Change status of 'Third Party Valuation Product Not Provided and CU Score is Greater Than X' from Active to Revoked. Per Lender Guidelines, not applicable loan amount is less than XXX. |
XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has stable job time - Borrower has XX years at job. | D | A | D | A | A | A | D | A | A | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2023010017 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | Third Party Valuation Product Not Provided and FHLMC Collateral Rep & Warrant Relief is Not Eligible or Unavailable. | Third Party Valuation Product Not Provided and XXX Collateral Rep & Warrant Relief is Not Eligible. | Third Party Valuation Product Provided. Change status of 'Third Party Valuation Product Not Provided and FHLMC Collateral Rep & Warrant Relief is Not Eligible or Unavailable.' from Active to Revoked. Per Lender Guidelines, not applicable loan amount is less than XXX. |
XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has stable job time - Borrower has XX years at job. | D | A | D | A | A | A | D | A | A | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2023010047 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | MIXXX Mortgage Loan Finding | Mortgage Loan (MIXXX XXX Sec. X (d)) The loan is a mortgage loan as defined in MIXXX XXX due to the following findings: The property is used as the borrower's principal dwelling.The property is designed for occupancy by X or fewer families.The proceeds are not used to acquire the dwelling.The loan is not an open-end credit plan. |
Change severity of 'MIXXX XXX Mortgage Loan Finding' from Material to Non-Material. Escrow account established, and appraisal receipt acknowledged within X days. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XXX years | C | B | A | A | C | B | A | A | C | B | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | ||
| 2023010047 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan ( XX CFR XXX(a)(X) )The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate by or more orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate by or more orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate by or more. | Change severity of 'Higher-Priced Mortgage Loan' from Material to Non-Material. Escrow account established, and appraisal receipt acknowledged within X days. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XXX years | C | B | C | B | C | B | A | A | C | B | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | ||
| 2023010047 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Credit | Minimum Trade Line Requirement Not Met | Change severity of 'Minimum Trade Line Requirement Not Met' from Material to Non-Material. Change status of 'Minimum Trade Line Requirement Not Met' from Active to Acknowledged by Client. Borrower tradeline deficit exception approved by lender, citing no derog credit since XX LTV Borrower(s) have not met the minimum tradeline requirement per lender guidelines. |
XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XXX years | C | B | C | B | C | B | A | A | C | B | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | |||
| 2023010047 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XXX years | C | B | A | A | C | B | A | A | C | B | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | |||
| 2023010047 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | Housing history does not meet guidelines | Borrower filed CH XX in X/ CH X in XXXX. Per Guidelines, more than one bankruptcy filing within X years requires a XX month seasoning. | Received LOX (confirmed with Guidelines) - XXXses were Dismissed - that negates them so there is no bankruptcy action on file for either Chapter X or XX. Exception cleared. | Housing delinquency meets guidelines. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XXX years | C | B | C | A | C | B | A | A | C | B | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | |
| 2023010048 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |
XXX | Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XXX years at job. | D | A | A | A | A | A | D | A | A | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010048 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | XXX | Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XXX years at job. | D | A | A | A | A | A | D | A | A | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010005 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | XXX | Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010005 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |
XXX | Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010036 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | Third Party Valuation Product Not Provided and FHLMC Collateral Rep &XXXrrant Relief is Not Eligible or Unavailable. | Third Party Valuation Product Not Provided and XXX Collateral Rep &XXXrrant Relief is Not Eligible. | Per LenderXXXTPV not required. | Per Lender Guidelines, not applicable loan amount is less than XXX and CU score is X. Exception cleared. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | D | A | D | A | A | A | D | A | A | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2023010036 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | D | A | A | A | A | A | D | A | A | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010036 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |
XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | D | A | A | A | A | A | D | A | A | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010009 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Borrower has stable job time - Borrower has XX years at job. | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010009 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |
XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Borrower has stable job time - Borrower has XX years at job. | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010019 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |
XXX | Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010019 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | XXX | Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010049 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan ( XX CFR XXX(a)(X) )The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate by or more orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate by or more orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate by or more. | Change severity of 'Higher-Priced Mortgage Loan' from Material to Non-Material. Escrow account established, and appraisal receipt acknowledged within X days. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XXX years at job. | C | B | C | B | A | A | A | A | C | B | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | ||
| 2023010049 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XXX years at job. | C | B | A | A | A | A | A | A | C | B | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |||
| 2023010049 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XXX years at job. | C | B | A | A | A | A | A | A | C | B | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |||
| 2023010044 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | Consummation or Reimbursement Date Validation Test | Received LE dated XXX w/ COC CD dated X/XXXX w/ COC and CD dated X/XXXX w/ COC. Updating loan accordingly. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | C | A | C | A | A | A | A | A | C | A | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010044 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | Reimbursement Amount Test | Received LE dated XXX w/ COC CD dated X/XXXX w/ COC and CD dated X/XXXX w/ COC. Updating loan accordingly. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | C | A | C | A | A | A | A | A | C | A | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010044 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | C | A | A | A | A | A | A | A | C | A | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010044 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | Initial Closing Disclosure Delivery Date Test | Per Disclosure Tracking Summary Final LE XX/X/XX and initial CD XXX missing. Need evidence borrower received CD X business days to consummation XXX | Received LE dated XXX w/ COC CD dated X/XXXX w/ COC and CD dated X/XXXX w/ COC. Updating loan accordingly. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | C | A | C | A | A | A | A | A | C | A | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2023010044 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | Charges ThatXXXnnot Increase Test | Tolerance in the amiount of X,XXX for the addition of the Discount Points per XXX COC, increase in Loan Origination fee per XXX COC and increase in Appraisal fee per COC XXX. Per Disclosure Tracking Details, corresponding LE XXX, CDs XXX and XXX are needed. | Received LE dated XXX w/ COC CD dated X/XXXX w/ COC and CD dated X/XXXX w/ COC. Updating loan accordingly. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | C | A | C | A | A | A | A | A | C | A | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2023010023 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | D | A | A | A | A | A | D | A | B | A | D | A | D | B | D | A | D | B | D | A | D | B | D | A | D | B | D | A | D | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010020 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |
XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXX are greater than the Guideline Minimum of XX or XXX. Borrower has stable job time - Borrower has XX years at job. | B | B | A | A | B | B | A | A | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||
| 2023010020 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Active | Credit | Initial Credit Application is Not Executed | The initial credit application is Not Executed | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXX are greater than the Guideline Minimum of XX or XXX. Borrower has stable job time - Borrower has XX years at job. | B | B | B | B | B | B | A | A | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||
| 2023010052 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Credit | Payment shock exceeds lender guidelines | Payment shock of XXX exceeds the lender guidelines tolerance for payment shock. | Client provided a guideline exception allowing for payment shock over XXX based on XXX credit score, no lates in X years, low DTI below XX and LTV of XX Payment shock of XXX exceeds the lender guidelines tolerance for payment shock. | Change status of 'Payment shock exceeds lender guidelines' from Active to Acknowledged by Client. Change severity of 'Payment shock exceeds lender guidelines' from Material to Non-Material. |
XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. | C | B | C | B | C | B | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |
| 2023010052 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |
XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. | C | B | A | A | C | B | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||
| 2023010052 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. | C | B | A | A | C | B | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||
| 2023010058 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | XXX | Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has stable job time - Borrower has XX years at job. | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010058 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |
XXX | Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has stable job time - Borrower has XX years at job. | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010382 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | Third Party Valuation Product Not Provided and FHLMC Collateral Rep &XXXrrant Relief is Not Eligible or Unavailable. | Third Party Valuation Product Not Provided and XXX Collateral Rep &XXXrrant Relief is Not Eligible. | Per LenderXXXTPV not required | Per Lender Guidelines, not applicable loan amount is less than XXX and CU score is X. Exception cleared. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. | D | A | D | A | A | A | D | A | A | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2023010382 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. | D | A | A | A | A | A | D | A | A | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010382 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |
XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. | D | A | A | A | A | A | D | A | A | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010383 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | Hazard Insurance Coverage is Not Sufficient. | Hazard insurance coverage of XXXXXX is not sufficent. The subject loan amount is XXX with the hazard insurance replacement coverage of No and estimated replacement value from insurance company was not provided. The replacement cost of the dwelling is XXX per the appraiser. The insurance coverage in the amount of XXX,XXX also contains an extension clause of XX, bringing the total coverage available to XXX which is sufficient. Exception cleared. | Hazard insurance coverage is sufficient. The replacement cost of the dwelling is XXX per the appraiser. The insurance coverage in the amount of XXX,XXX also contains an extension clause of XX, bringing the total coverage available to XXX which is sufficient. Exception cleared. | XXX | Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. | C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2023010383 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |
XXX | Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. | C | A | A | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010384 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010384 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |
XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010152 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | XXX | Borrower has more than X years at current residence - Borrower at current residence XXX years | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010152 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |
XXX | Borrower has more than X years at current residence - Borrower at current residence XXX years | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010388 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010388 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |
XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010404 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXXXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has stable job time - Borrower has XX years at job. | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010404 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |
XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXXXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has stable job time - Borrower has XX years at job. | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010159 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | XXX | Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XXX years | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010159 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |
XXX | Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XXX years | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010144 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Credit | Borrower Liabilities Verification Indicator is Partial | XXXHOI on the primary residence. Borrower liabilities verified indicator is Partial | Clear during QC | Borrower liabilities verified indicator is Present | XXX | Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XXX years | D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2023010144 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |
XXX | Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XXX years | D | A | A | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010157 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |
XXX | Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010157 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | XXX | Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010055 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | Housing history does not meet guidelines | Please provide HOI & Property tax Information for Primary Residence XXX XXX Rd per Guidelines. Housing history does not meet guidelines. | Housing delinquency meets guidelines. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | C | B | C | A | C | B | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | ||
| 2023010055 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |
XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | C | B | A | A | C | B | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||
| 2023010055 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Credit | Overdraft/NSF Count Exceeds Tolerance | Change severity of 'Overdraft/NSF Count Exceeds Tolerance' from Material to Non-Material. Change status of 'Overdraft/NSF Count Exceeds Tolerance' from Active to Acknowledged by Client. Overdraft/NSF count exceeds tolerance. Approved Exception for X NSF in < XX months. Compensating Factors: Fico Housing Payment Decreased by approx XXX per month and XX LTV, program max is XX. | Client provided exception approval | Change severity of 'Overdraft/NSF Count Exceeds Tolerance' from Material to Non-Material. Change status of 'Overdraft/NSF Count Exceeds Tolerance' from Active to Acknowledged by Client. Overdraft/NSF count exceeds tolerance. Approved Exception for X NSF in < XX months. Compensating Factors: Fico Housing Payment Decreased by approx XXX per month and XX LTV, program max is XX. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | C | B | C | B | C | B | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |
| 2023010056 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | Underwriting LTV exceeds Guideline Maximum Allowable | N/O/O limited to XX LTV onXXXsh out per XXX. No exception approval present Underwriting LTV of XXX is greater than the maximum allowable guideline LTV of XXX based on a loan amount of XXXXXX and value used for LTV of XXX. | Original LTV of XXX adheres to the guideline maximum LTV of XXX. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXXX. Borrower X has significant job time - Borrower has XX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. | C | B | C | A | C | B | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | ||
| 2023010056 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | Underwriting CLTV exceeds Guideline Maximum Allowable | N/O/O limited to XX LTV/CLTV onXXXsh out per XXX. No exception approval present Underwriting CLTV of XXX is greater than the maximum allowable guideline CLTV of XXX. | Original CLTV of XXX adheres to the guideline maximum CLTV of XXX. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXXX. Borrower X has significant job time - Borrower has XX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. | C | B | C | A | C | B | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | ||
| 2023010056 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | Hazard Insurance Coverage is Not Sufficient. | Hazard insurance coverage of XXXX is not sufficent. The subject loan amount is XXXXXX with the hazard insurance replacement coverage of No and estimated replacement value from insurance company was not provided. The state ofXXXida enacted a statute effective XXX that does not allow the insurance company to disclose guaranteed replacement coverage or the replacement cost estimator. Exception Cleared. | Hazard insurance coverage is sufficient. The state ofXXXorida enacted a statute effective XXX that does not allow the insurance company to disclose guaranteed replacement coverage or the replacement cost estimator. Exception Cleared. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXXX. Borrower X has significant job time - Borrower has XX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. | C | B | C | A | C | B | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | ||
| 2023010056 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Credit | Housing history does not meet guidelines | Housing history does not meet guidelines. Change status of 'Housing history does not meet guidelines' from Active to Acknowledged by Client. Modification within XX months of subject loan. Lender approved the exception as covid related in XXX and cited XXX FICO, clean payment record across the board, and > XX months reserves as the compensating factors. |
Client provided exception approval | Change severity of 'Housing history does not meet guidelines' from Material to Non-Material. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXXX. Borrower X has significant job time - Borrower has XX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. | C | B | C | B | C | B | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |
| 2023010056 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |
XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXXX. Borrower X has significant job time - Borrower has XX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. | C | B | A | A | C | B | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||
| 2023010389 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |
XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XXX years at job. | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010389 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XXX years at job. | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010153 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | Final Loan Application is Partial | Final Loan Application is Partial Final XXX for Both Borrowers does not reflect housing length of time nor that the borrowers owns the subject property. Loan is a NoXXXsh Out Refinance. | Final Loan Application is Present | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXX are greater than the Guideline Minimum of XX or XXX. Borrower has stable job time - Borrower has XX years at job. | D | A | D | A | D | A | C | A | A | A | C | C | C | A | D | D | C | A | C | C | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2023010153 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | Appraisal guideline violation | Appraisal guideline violation: Report reflects "As Is' however Appraisal pictures reflect construction being done on front & rear of subject property. | Received LOX - Appraisal shows "As Is". Construction is not being completed on the house but the landscaping areas and/orXXXlkways. Exception cleared. | Appraisal guideline violation is now acceptable. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXX are greater than the Guideline Minimum of XX or XXX. Borrower has stable job time - Borrower has XX years at job. | D | A | C | A | D | A | C | A | A | A | C | C | C | A | D | D | C | A | C | C | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2023010153 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |
XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXX are greater than the Guideline Minimum of XX or XXX. Borrower has stable job time - Borrower has XX years at job. | D | A | A | A | D | A | C | A | A | A | C | C | C | A | D | D | C | A | C | C | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010390 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |
XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XX years | C | A | A | A | A | A | C | A | A | A | C | A | C | A | C | A | C | A | C | A | C | A | C | A | C | A | C | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010390 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Property | Title Issues Present | The following issues were noted: Page XXX Title requirement #X, satisfaction of judgement. No proof in file this judgement has been removed from title or satisfied. | Received Aff to Judgment/Lien. Reviewed document - exception cleared. | The exception 'Title Issues Present' is cleared. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XX years | C | A | C | A | A | A | C | A | A | A | C | A | C | A | C | A | C | A | C | A | C | A | C | A | C | A | C | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2023010149 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | D | A | A | A | A | A | D | A | A | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010149 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | Third Party Valuation Product Not Provided and FHLMC Collateral Rep & Warrant Relief is Not Eligible or Unavailable. | Third Party Valuation Product Not Provided and XXX Collateral Rep & Warrant Relief is Not Eligible. CU score X, loan amount < XXX, clear XXX exception. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | D | A | D | A | A | A | D | A | A | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010149 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |
XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | D | A | A | A | A | A | D | A | A | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010393 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |
XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010393 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010143 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | Borrower Income Verification does not match Approval | The borrower income verification does not match approval X businesses, XX mos XXXlcs pg XXX and XXX. Analysis for petroleum business indicates XX NSF/OD items requiring an exception approval. No exception approval found in file. | The borrower income verification does match approval | XXX | Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2023010143 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | Overdraft/NSF Count Exceeds Tolerance | Overdraft/NSF count exceeds tolerance. X businesses, XX mos XXXlcs pg XXX and XXX. Analysis for petroleum business indicates XX NSF/OD items requiring an exception approval. No exception approval found in file. | Received LOX regarding the NSF items. | Overdraft/NSF Count does not exceed tolerance. | XXX | Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2023010143 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |
XXX | Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | C | A | A | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010391 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | Transmittal Summary is Partial | XXXFinal XXX and CRS. Loan amount stated on XXX & CRS is XXX while loan amount on Note and Final CD is XXX. | XXX received | The transmittal summary is Present | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | D | B | D | A | D | B | A | A | A | A | C | C | A | A | D | D | A | A | C | C | A | A | D | D | A | A | D | D | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |
| 2023010391 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Credit | Liquid Reserves are less than Guidelines Required | Change severity of 'Liquid Reserves are less than Guidelines Required' from Material to Non-Material. Change status of 'Liquid Reserves are less than Guidelines Required' from Active to Acknowledged by Client. Client provided guideline exceptions allowing X months in reserves based on XXX / XXX DTI, borrower's XX years employer/business stability, monthly housing payment decreasing by -XXX. payment shock of X. residual income of XXX and qualifying LTV of XXX. The liquid reserves of XX months or XXXX, are less than the Guidelines minimum required of XXXXX or XXXXXX. |
Client provided exception approval | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | D | B | C | B | D | B | A | A | A | A | C | C | A | A | D | D | A | A | C | C | A | A | D | D | A | A | D | D | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | ||
| 2023010391 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |
XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | D | B | A | A | D | B | A | A | A | A | C | C | A | A | D | D | A | A | C | C | A | A | D | D | A | A | D | D | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||
| 2023010156 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |
XXX | Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXX are greater than the Guideline Minimum of XX or XXX. | C | B | A | A | C | B | C | A | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||
| 2023010156 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Property | Appraisal guideline violation | Appraisal guideline violation: Per Guidelines, InvestmentXXXsh out, property is not allowed to be vacant. Appraisal states Vacant and property is listed onXXX Sta Vacation Rentals. | Appraisal guideline violation is now acceptable. | XXX | Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXX are greater than the Guideline Minimum of XX or XXX. | C | B | C | A | C | B | C | A | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | ||
| 2023010156 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Acknowledged | Credit | Minimum Trade Line Requirement Not Met | Borrower(s) have not met the minimum tradeline requirement per lender guidelines. Change status of 'Minimum Trade Line Requirement Not Met' from Active to Acknowledged by Client. Approved Exception for XXX Compensating Factors: reserves of XXX months verified and Qualifying LTV is XXX |
Client provided exception | Change severity of 'Minimum Trade Line Requirement Not Met' from Material to Non-Material. Change status of 'Minimum Trade Line Requirement Not Met' from Active to Acknowledged by Client. Borrower(s) have not met the minimum tradeline requirement per lender guidelines. Approved Exception for XXX Compensating Factors: reserves of XXX months verified and Qualifying LTV is XXX The exception status is currently Acknowledged by Client. |
XXX | Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXX are greater than the Guideline Minimum of XX or XXX. | C | B | C | B | C | B | C | A | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |
| 2023010387 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Credit | Minimum Trade Line Requirement Not Met | Borrower liabilities verified indicator is Partial - tradelines do not meetXXXXX indicate X tradelines required only X tradelines open > XX months with activity within last XX months. two tradelines Boeing and Fed Stu Loan Borrower(s) have not met the minimum tradeline requirement per lender guidelines. |
Received LOX showing additional accounts for trade lines. Re-reviewed the Credit Report Comparison and confirm - more than X accounts are active. Exception cleared. | Borrower(s) have met the minimum tradeline requirement per lender guidelines. | XXX | Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXXX. | C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2023010387 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |
XXX | Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXXX. | C | A | A | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010392 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |
XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XXX years | D | A | A | A | D | A | A | A | A | A | C | C | A | A | D | D | A | A | C | C | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010392 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Credit | Transmittal Summary is Missing | The transmittal summary is Missing.XXXnnot locate final XXX. | Final XXX received. Verified information to ensure all details matched. | The transmittal summary is Present | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XXX years | D | A | D | A | D | A | A | A | A | A | C | C | A | A | D | D | A | A | C | C | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2023010392 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Credit | Property is located in a FEMA disaster area | Property is located in a FEMA disaster area with no post disaster inpection. FEMA declared Miami- Dade county in a disaster area (surfside) on X/XX/ with a release date of XXX. The appraisal in file is dated X/XXXX and shows no damage. Exception is for informational purposes only. | Cleared during QC | Post disaster inspection confirms no property damage | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XXX years | D | A | C | A | D | A | A | A | A | A | C | C | A | A | D | D | A | A | C | C | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2023010145 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | XXX | Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXX are greater than the Guideline Minimum of XX or XXXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | D | B | A | A | A | A | D | A | C | B | D | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |||
| 2023010145 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | Third Party Valuation Product Not Provided and FHLMC Collateral Rep & Warrant Relief is Not Eligible or Unavailable. | Third Party Valuation Product Not Provided and XXX Collateral Rep & Warrant Relief is Not Eligible. | Per guidelines, TPV not required. CU Score is XX. Exception cleared. | XXX | Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXX are greater than the Guideline Minimum of XX or XXXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | D | B | D | A | A | A | D | A | C | B | D | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | ||
| 2023010145 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | Third Party Valuation Product not Provided | Third Party Valuation Product not Provided to Support Origination Appraised Value within XX. | Per guidelines, TPV not required. CU Score is XX. Exception cleared. | XXX | Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXX are greater than the Guideline Minimum of XX or XXXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | D | B | D | A | A | A | D | A | C | B | D | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | ||
| 2023010145 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Compliance | Right toXXXncel Transaction Date is different from the Transaction Date | The right toXXXncel transaction date of XXX is different from the note date of X/XXXX | Received LOX: "For some reason the escrow company did not have the clients sign the full package initially. So we had the clients properly sign the complete package as soon as we reliazed." Additional documents supporting this action were provided | Change severity of 'Right toXXXncel Transaction Date is different from the Transaction Date' from Material to Non-Material. Change status of 'Right toXXXncel Transaction Date is different from the Transaction Date' from Active to Acknowledged by Client. X/XXX - Received LOX: "For some reason the escrow company did not have the clients sign the full package initially. So we had the clients properly sign the complete package as soon as we reliazed." Additional documents supporting this action were provided. Exception - Acknowledged by Client. |
XXX | Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXX are greater than the Guideline Minimum of XX or XXXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | D | B | C | B | A | A | D | A | C | B | D | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |
| 2023010258 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | Security Instrument Indicator is Missing | The security instrument indicator is Missing | The security instrument indicator is Present | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXXX are greater than the Guideline Minimum of XX or XXXX. Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XX years at job. | D | B | D | A | D | B | A | A | D | A | C | C | A | C | D | D | A | D | C | C | A | C | D | D | A | D | D | D | A | D | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | ||
| 2023010258 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | Right toXXXncel is Missing | The right toXXXncel is Missing | The right toXXXncel is Present | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXXX are greater than the Guideline Minimum of XX or XXXX. Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XX years at job. | D | B | D | A | D | B | A | A | D | A | C | C | A | C | D | D | A | D | C | C | A | C | D | D | A | D | D | D | A | D | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | ||
| 2023010258 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | Signed XXX is missing | Borrower X XXXsigned XXXt | Signed XXXt proviided. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXXX are greater than the Guideline Minimum of XX or XXXX. Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XX years at job. | D | B | C | A | D | B | A | A | D | A | C | C | A | C | D | D | A | D | C | C | A | C | D | D | A | D | D | D | A | D | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | ||
| 2023010258 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | Final Loan Application is Missing | Final loan application is Missing | Final loan application is Present | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXXX are greater than the Guideline Minimum of XX or XXXX. Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XX years at job. | D | B | D | A | D | B | A | A | D | A | C | C | A | C | D | D | A | D | C | C | A | C | D | D | A | D | D | D | A | D | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | ||
| 2023010258 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Credit | Underwriting FICO does not meet Guideline Minimum Required | Underwriting FICO of XXX is greater than or equql to the minimum required guideline FICO of XXX. Underwriting FICO of XXX is less than the minimum required guideline FICO of XXX. | Client provided exception approval | Change severity of 'Underwriting FICO does not meet Guideline Minimum Required' from Material to Non-Material. Change status of 'Underwriting FICO does not meet Guideline Minimum Required' from Active to Acknowledged by Client. Client provided guideline exception allowing for FICO score of XXX based on XXXXX DTI, XX months reserves, residual income of XX,XXX and XXX LTV. Underwriting FICO of XXX is less than the minimum required guideline FICO of XXX. |
XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXXX are greater than the Guideline Minimum of XX or XXXX. Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XX years at job. | D | B | C | B | D | B | A | A | D | A | C | C | A | C | D | D | A | D | C | C | A | C | D | D | A | D | D | D | A | D | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |
| 2023010258 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Credit | Borrower Income Verification does not match Approval | The borrower income verification does match approval- UW reduced BS income with large deposits- DTI within acceptable variance. The borrower income verification does not match approval. Lender did not exclude deposits not typical of business or obtain letter of explanation: XX,XXX deposit in July and X,XXX in May. | Client provided exception approval | Change severity of 'Borrower Income Verification does not match Approval' from Material to Non-Material. Change status of 'Borrower Income Verification does not match Approval' from Active to Acknowledged by Client. Client provided guideline exception allowing for XX months income with FICO score of XXX based on XXXXX DTI, XX months reserves, residual income of XX,XXX and XXX LTV. The borrower income verification does not match approval. Guidelines require Minimum Credit score of XXX for XX months of income documentation. Borrower FICO XXX. |
XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXXX are greater than the Guideline Minimum of XX or XXXX. Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XX years at job. | D | B | C | B | D | B | A | A | D | A | C | C | A | C | D | D | A | D | C | C | A | C | D | D | A | D | D | D | A | D | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |
| 2023010381 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | Borrower Income Verification does not match Approval | The borrower income verification does not match approval : XXXbusiness questionaire | The borrower income verification does match approval | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XX years at job. | C | B | C | A | C | B | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | ||
| 2023010381 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Credit | Liquid Reserves are less than Guidelines Required | Change status of 'Liquid Reserves are less than Guidelines Required' from Active to Acknowledged by Client. Lender exception provided for X months of reserves. Lender guidelines require X months of reserves. Exception based on FICO housing payment decreasing XXX, residual income XX, LTV XXX. The liquid reserves of XX months or XXXXX, are less than the Guidelines minimum required of XX or XXXXX. Change severity of 'Liquid Reserves are less than Guidelines Required' from Material to Non-Material. |
Client provided exception approval | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XX years at job. | C | B | C | B | C | B | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | ||
| 2023010381 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |
XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XX years at job. | C | B | A | A | C | B | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||
| 2023010395 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |
XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | D | A | A | A | D | A | D | A | A | A | D | C | D | A | D | D | D | A | D | C | D | A | D | D | D | A | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010395 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | CoBorrower Employment Verification does not meet guidelines | XXX XXX AXXX | XXX XXX and XXX Supply provided. Exception cleared. | XXX XXX and XXX Supply provided. Exception cleared. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | D | A | C | A | D | A | D | A | A | A | D | C | D | A | D | D | D | A | D | C | D | A | D | D | D | A | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2023010395 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | Borrower Liabilities Verification Indicator is Partial | Borrower liabilities verified indicator is Partial -provide evidence of primary being free and clear and proof of taxes and insurance. Provide final CD for recent/ concurrent refinance of primaryXXX AveXXX to verifyXXX. File only contains LE page XXX. Paying off XXX XXX coml loan with XXX and business pays however XXXT&I for XXX XXX and proof business pays. (see DTI exception) with inlcuded T&I for XXX XXX in DTI | Received LOX with documentation supporting the payment of property located at XXX being paid for by the business. Final CDs, Tax Bills, Insurance Policies, etc. all provided for the REO Properties and current residence. Reviewing/updating the loan accordingly. | Borrower liabilities verified indicator is Present | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | D | A | D | A | D | A | D | A | A | A | D | C | D | A | D | D | D | A | D | C | D | A | D | D | D | A | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2023010395 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | Qualifying DTI exceeds Guideline Maximum Allowable | Qualifying DTI of XXX exceeds guideline maximum of XXX. Provide proof of business taxes and insurance for XXX XXX Avenue and proof business pays to remove T&I from DTI bus coml mtg being paid off in this refinance however including T&I for XXX XXX Ave to DTI creates DTI outside max XXXX- auditXXXlculates DTI as XXX/ XXX. | Received LOX with documentation supporting the payment of property located at XXX being paid for by the business. Final CDs, Tax Bills, Insurance Policies, etc. all provided for the REO Properties and current residence. Reviewing/updating the loan accordingly. | Documentation provided to support Qualifying DTI below XXX. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | D | A | C | A | D | A | D | A | A | A | D | C | D | A | D | D | D | A | D | C | D | A | D | D | D | A | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2023010395 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | Final Loan Application is Partial | Final Loan Application is Partial- final XXX discrepancy as listed primary address is XXX Provincetown Ct (subject), while schedule of properties lists primary asXXX AveXXX lender to correct XXX to list priamry asXXX AVeXXX and provide utility billing of verification. | Final Loan Application is Present | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | D | A | D | A | D | A | D | A | A | A | D | C | D | A | D | D | D | A | D | C | D | A | D | D | D | A | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2023010395 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | Borrower Income Verification does not match Approval | The borrower income verification does not match approval- need documentation to support XXX lender comment about ADU income- IAO XX XXX and to further clarify if for primary residence atXXX AveXXX LOE to explain and further clarify this income versus other REO income added for Jarvis andXXXenhurst only bus pays XXX and no pos rents added XXXsupporting ADU income IAO of XX XXX to verify and confirm audit DTI= XXX/ XXX | Copy of Lease Agreement forXXX Ct provided with a start date of XXX through XXX. Exception cleared. | The borrower income verification does match approval per XXX lender granted income exception for primary ADU but no documentation in file. DTI variance noted and outsideXXXs. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | D | A | C | A | D | A | D | A | A | A | D | C | D | A | D | D | D | A | D | C | D | A | D | D | D | A | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2023010396 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | Third Party Valuation Product Not Provided and CU Score is Greater Than XXX | Third Party Valuation Product Not Provided and CU Score is XX. Per Lender guidelines, not applicable loan amount is less than XXX and XXX & Rep Warrant is Eligible. Exception cleared. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | D | A | D | A | A | A | D | A | A | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010396 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |
XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | D | A | A | A | A | A | D | A | A | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010396 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | D | A | A | A | A | A | D | A | A | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010160 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |
XXX | Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. | A | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010160 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | XXX | Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. | A | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010161 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |
XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. | D | A | C | A | A | A | D | A | A | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010161 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. | D | A | C | A | A | A | D | A | A | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010166 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |
XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XX years at job. | C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010166 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | Borrower Employment Verification does not meet guidelines | Borrower Employment Verification does not meet guidelines | Received documentation for High and XXX properties. Per client, borrower does not own XXX St. Pending documentation confirming. Received documentation on XXX St showing Bwr does not own property. Exception cleared. |
The exception 'Borrower Employment Verification does not meet guidelines' is cleared. Received documentation for High and XXX properties. Per client, borrower does not own XXX St. Pending documentation confirming. Please provide TAX & HOA (If applicable) for the following properties: XXX High St XX XXX Ave XXX XXX Ave Provide HOI, TAX & HOA (If applicable) for property: XXX XXX St Update |
XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XX years at job. | C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2023010057 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | Third Party Valuation Product Not Provided and FHLMC Collateral Rep & Warrant Relief is Not Eligible or Unavailable. | Third Party Valuation Product Not Provided and XXX Collateral Rep & Warrant Relief is Not Eligible. Per lender guidelines, not applicable. CU score is X. Exception cleared. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXX are greater than the Guideline Minimum of XX or XXXX. Borrower X has significant job time - Borrower has XX years on job Borrower has stable job time - Borrower has XX years at job. | D | A | C | A | A | A | D | A | A | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010057 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |
XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXX are greater than the Guideline Minimum of XX or XXXX. Borrower X has significant job time - Borrower has XX years on job Borrower has stable job time - Borrower has XX years at job. | D | A | C | A | A | A | D | A | A | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010057 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXX are greater than the Guideline Minimum of XX or XXXX. Borrower X has significant job time - Borrower has XX years on job Borrower has stable job time - Borrower has XX years at job. | D | A | C | A | A | A | D | A | A | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010400 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |
XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | D | A | C | A | A | A | D | A | A | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010400 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | D | A | C | A | A | A | D | A | A | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010015 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |
XXX | Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXXX are greater than the Guideline Minimum of XX or XXXX. Borrower X has significant job time - Borrower has XX years on job Borrower has stable job time - Borrower has XX years at job. | A | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010015 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | XXX | Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXXX are greater than the Guideline Minimum of XX or XXXX. Borrower X has significant job time - Borrower has XX years on job Borrower has stable job time - Borrower has XX years at job. | A | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010018 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |
XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has stable job time - Borrower has XX years at job. | A | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010018 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has stable job time - Borrower has XX years at job. | A | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010163 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |
XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | D | A | C | A | A | A | D | A | A | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010163 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | D | A | C | A | A | A | D | A | A | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010164 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |
XXX | Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010164 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | Borrower Employment Verification does not meet guidelines | Borrrower XXX QuickXXXlc Worksheet. There are X QuickXXXlc Lender income sheets in the file pg XXX and both expired XXX. Note Date is XXX. | Received copy of QuickXXXlc expiring X/XX/ CRSE, and final XXX. Income matches and verified. Exception cleared. | The exception 'Borrower Employment Verification does not meet guidelines' is cleared. | XXX | Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2023010401 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Credit | Payment shock exceeds lender guidelines | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | C | B | C | B | C | B | C | A | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | ||||
| 2023010401 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |
XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | C | B | C | A | C | B | C | A | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||
| 2023010401 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | Title Issues Present | The following issues were noted: final CD, tax cert and appraisal show current owners tax rate- per XXX County county real property tax rate is .XXX sale price X,XXX,XX = XXX yearly - XXX monhtly CD shows current owners tax rate XXX or XXX monthly. | Received LOX for Tax Cert. Appraisal shows RE/Taxes of #XXX-tax bill available also shows tax bill of XXX. Homeowner's exception will be allowed for our borrower on the next tax cycle. Tax figures used were provided by title and appraisal and county tax bill. Tax bill for XXX-XXX not available at this time. | The exception 'Title Issues Present' is cleared. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | C | B | C | A | C | B | C | A | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |
| 2023010060 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XX years at job. | D | A | C | A | A | A | D | A | C | A | D | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010181 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Credit | Payment shock exceeds lender guidelines | Change severity of 'Payment shock exceeds lender guidelines' from Material to Non-Material. Change status of 'Payment shock exceeds lender guidelines' from Active to Acknowledged by Client. Client provided guidelines exception allowing payment shock exceeding guideline minimum based on qualifying CR score of XXXXX DTI ratio, XX years employment stability, verified reserves of XX months, residual income of XXX and qualifying LTV of XX. Payment shock of XXX exceeds the lender guidelines tolerance for payment shock. Per Lender Guidelines, payment shock maximum is XXX. Borrower's current payment shock percentage is XXXX. |
XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXXX. Borrower X has significant job time - Borrower has XX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. | C | B | C | B | C | B | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||
| 2023010181 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |
XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXXX. Borrower X has significant job time - Borrower has XX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. | C | B | C | A | C | B | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||
| 2023010409 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Compliance | Higher-Priced Mortgage Loan | Change severity of 'Higher-Priced Mortgage Loan' from Material to Non-Material. Lender Acknowledged HPML Disclosure Escrow account established, and appraisal receipt acknowledged within X days. Higher-Priced Mortgage Loan ( XX CFR XXX(a)(X) )The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate by or more orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate by or more orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate by or more. | XXX | Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XX years at job. | D | B | C | B | A | A | D | A | C | B | D | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |||
| 2023010409 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | XXX | Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XX years at job. | D | B | C | A | A | A | D | A | C | B | D | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |||
| 2023010179 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |
XXX | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. | D | A | C | A | A | A | D | A | A | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010179 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | XXX | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. | D | A | C | A | A | A | D | A | A | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010403 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan ( XX CFR XXX(a)(X) )The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate by or more orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate by or more orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate by or more. | Lender Acknowledged HPML Disclosure Escrow account established, and appraisal receipt acknowledged within X days. Change severity of 'Higher-Priced Mortgage Loan' from Material to Non-Material. Escrow account established, and appraisal receipt acknowledged within X days. | XXX | Borrower X has significant job time - Borrower has XXX years on job Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | D | B | C | B | A | A | D | A | C | B | D | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | ||
| 2023010403 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | Third Party Valuation Product not Provided | Third Party Valuation Product not Provided to Support Origination Appraised Value within XX. | Please provide FNMA/FHLMC UCDP with CU score of X or less OR FHLMC Eligible OR Third Party Review. | XXX | Borrower X has significant job time - Borrower has XXX years on job Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | D | B | C | A | A | A | D | A | C | B | D | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | ||
| 2023010403 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | Consummation or Reimbursement Date Validation Test | 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 reimbursementXXXlculations. File XXXassociated CD, to COC XXX | Received CD dated X/XXXX and CD dated X/XXXX w/ corresponding COC. Updating loan accordingly. | This compliance test 'Consummation or Reimbursement Date Validation Test' is no longer tested | XXX | Borrower X has significant job time - Borrower has XXX years on job Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | D | B | C | A | A | A | D | A | C | B | D | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |
| 2023010403 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | Initial Closing Disclosure Delivery Date Test | This loan failed the initial closing disclosure delivery date test due to one of the following findings:( XX CFR XXX(f)(X)(ii) )The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"XXX Mail" or "XXX" or blank, and the initial closing disclosure delivery date is less than six business days (counting allXXXlendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction or"In Person" and the initial closing disclosure delivery date is less than three business days (counting allXXXlendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting allXXXlendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph XXX no later than three business days before consummation. Per Disclosure Tracking Summary Initial CD XX/XX is XXXfrom file | Received CD dated X/XXXX and CD dated X/XXXX w/ corresponding COC. Updating loan accordingly. | This loan passed the initial closing disclosure delivery date test.( XX CFR XXX(f)(X)(ii) )The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"XXX" or "XXX" or blank, and the initial closing disclosure delivery date is not less than six business days (counting allXXXlendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction or"In Person" and the initial closing disclosure delivery date is not less than three business days (counting allXXXlendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is not less than three business days (counting allXXXlendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction.The creditor shall ensure that the consumer receives the disclosures required under paragraph XXX no later than three business days before consummation. | XXX | Borrower X has significant job time - Borrower has XXX years on job Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | D | B | C | A | A | A | D | A | C | B | D | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |
| 2023010403 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | Charges ThatXXXnnot Increase Test | This loan failed the charges thatXXXnnot increase test. (XX CFR XXX(e)(X)(i))The loan contains charges that exceed the good faith determination according to XXX(e)(X)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is XX.Please see the Tolerance Comparison Table that displays the Charges ThatXXXnnot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under XXX(e)(X)(i). Transfer Fee add on final CD XX/XX/ COC XX/XXXX address the fee, file XXXassociated CD | Received CD dated X/XXXX and CD dated X/XXXX w/ corresponding COC. Updating loan accordingly. | This loan passed the charges thatXXXnnot increase test. (XX CFR XXX(e)(X)(i))The loan contains charges that do not exceed the good faith determination according to XXX(e)(X)(i).Please see the Tolerance Comparison Table that displays the Charges ThatXXXnnot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under XXX(e)(X)(i). | XXX | Borrower X has significant job time - Borrower has XXX years on job Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | D | B | C | A | A | A | D | A | C | B | D | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |
| 2023010403 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | Charges That In TotalXXXnnot Increase More Than Test | This loan failed the charges that in totalXXXnnot increase more than XX test. (XX CFR XXX(e)(X)(ii))The loan contains third-party services that the consumerXXXs permitted to shop for and the charges exceed the good faith tolerance according to XXX(e)(X)(ii). The final charges that in totalXXXnnot increase more than XX (XXX) exceed the comparable charges (XXX) by more than XX. Please see the table that displays the Charges ThatXXXnnot Increase More Than XX 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 XXX(e)(X)(i) by more than XX 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 XXX(e)(X)(vi). COC dated XX/XXXX address the Recording mortgage Fee increase, file XXXassociated CD | Received CD dated X/XXXX and CD dated X/XXXX w/ corresponding COC. Updating loan accordingly. | This loan passed the charges that in totalXXXnnot increase more than XX test. (XX CFR XXX(e)(X)(ii))The loan contains third-party services that the consumerXXXs permitted to shop for and the charges were in good faith according to XXX(e)(X)(ii). The final charges that in totalXXXnnot increase more than XX (XXX) do not exceed the comparable charges (XXX) by more than XX. Please see the table that displays the Charges ThatXXXnnot Increase More Than XX 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 XXX(e)(X)(i) by more than XX 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 XXX(e)(X)(vi). | XXX | Borrower X has significant job time - Borrower has XXX years on job Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | D | B | C | A | A | A | D | A | C | B | D | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |
| 2023010403 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | Reimbursement Amount Test | This loan failed the reimbursement amount test. (XX CFR XXX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances and the provided reimbursement amount of XX, is not sufficient to reimburse the consumer the amount by which the tolerances were exceeded, XXX.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under XXX(e)(X)(i) or (ii), the creditor complies with XXX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation, and the creditor complies with XXX if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XX days after consummation. COC XX/XX support fees increase, File XXXassociated CD | Received CD dated X/XXXX and CD dated X/XXXX w/ corresponding COC. Updating loan accordingly. | This loan passed the reimbursement amount test. (XX CFR XXX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances. However, the provided reimbursement amount of XX, is sufficient to reimburse the consumer the amount by which the tolerances were exceeded, XX.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under XXX(e)(X)(i) or (ii), the creditor complies with XXX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation, and the creditor complies with XXX if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XX days after consummation. | XXX | Borrower X has significant job time - Borrower has XXX years on job Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | D | B | C | A | A | A | D | A | C | B | D | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |
| 2023010175 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |
XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | A | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010175 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | A | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010407 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan ( XX CFR XXX(a)(X) )The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate by or more orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate by or more orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate by or more. Lender Acknowledged HPML Disclosure Escrow account established, and appraisal receipt acknowledged within X days. | Escrow account established, and appraisal receipt acknowledged within X days. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXXX are greater than the Guideline Minimum of XX or XXX. Borrower has stable job time - Borrower has XX years at job. | D | B | C | B | A | A | D | A | C | B | D | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | ||
| 2023010407 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXXX are greater than the Guideline Minimum of XX or XXX. Borrower has stable job time - Borrower has XX years at job. | D | B | C | A | A | A | D | A | C | B | D | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |||
| 2023010407 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | Initial Closing Disclosure Delivery Date Test | This loan failed the initial closing disclosure delivery date test due to one of the following findings:( XX CFR XXX(f)(X)(ii) )The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"XXX Mail" or "XXX" or blank, and the initial closing disclosure delivery date is less than six business days (counting allXXXlendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction or"In Person" and the initial closing disclosure delivery date is less than three business days (counting allXXXlendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting allXXXlendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph XXX no later than three business days before consummation. Initial CD is XXXfrom file - Per Disclosure Tracking Summary XXX. Initial XXXCD XXX. | Received CD dated X/XXXX. Updating loan accordingly. Initial CD is XXXfrom file - Per Disclosure Tracking Summary XXX. Initial XXXCD XXX. | XXX | This loan passed the initial closing disclosure delivery date test.( XX CFR XXX(f)(X)(ii) )The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"XXX" or "XXX" or blank, and the initial closing disclosure delivery date is not less than six business days (counting allXXXlendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction or"In Person" and the initial closing disclosure delivery date is not less than three business days (counting allXXXlendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is not less than three business days (counting allXXXlendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction.The creditor shall ensure that the consumer receives the disclosures required under paragraph XXX no later than three business days before consummation. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXX are greater than the Guideline Minimum of XX or XXX. Borrower has stable job time - Borrower has XX years at job. | D | B | C | A | A | A | D | A | C | B | D | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B |
| 2023010185 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan ( XX CFR XXX(a)(X) )The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate by or more orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate by or more orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate by or more. | Change severity of 'Higher-Priced Mortgage Loan' from Material to Non-Material. Escrow account established, and appraisal receipt acknowledged within X days. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower has stable job time - Borrower has XX years at job. | C | B | C | B | A | A | A | A | C | B | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | ||
| 2023010185 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower has stable job time - Borrower has XX years at job. | C | B | C | A | A | A | A | A | C | B | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |||
| 2023010406 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |
XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXX are greater than the Guideline Minimum of XX or XXX. Borrower has stable job time - Borrower has XXX years at job. | D | A | C | A | A | A | D | A | A | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010406 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXX are greater than the Guideline Minimum of XX or XXX. Borrower has stable job time - Borrower has XXX years at job. | D | A | C | A | A | A | D | A | A | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010410 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Credit | Qualifying DTI exceeds Guideline Maximum Allowable | Change status of 'Qualifying DTI exceeds Guideline Maximum Allowable' from Active to Acknowledged by Client. Client provided guideline exception allowing for DTI greater than XX based on XXX fico, qualifying LTV XX, payment shock XXX and same line of business X years and resincome of XXXX. Change severity of 'Qualifying DTI exceeds Guideline Maximum Allowable' from Material to Non-Material. |
XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. | C | B | C | B | C | B | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||
| 2023010410 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |
XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. | C | B | C | A | C | B | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||
| 2023010183 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan ( XX CFR XXX(a)(X) )The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate by or more orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate by or more orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate by or more. | Escrow account established, and appraisal receipt acknowledged within X days. | Change severity of 'Higher-Priced Mortgage Loan' from Material to Non-Material. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | D | B | C | B | C | A | D | A | C | B | D | C | D | C | D | C | D | C | D | C | D | C | D | C | D | C | D | C | D | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |
| 2023010183 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | Hazard Insurance Coverage is Not Sufficient. | Hazard coverage is XXX with extended coverage up to XXX,XXX. The appraiser's estimated cost of replacement is XXX,XXX. Coverage is inadequate. Hazard insurance coverage of XXX is not sufficent. The subject loan amount is XXX with the hazard insurance replacement coverage of No and estimated replacement value from insurance companyXXXs not provided. | Received copy of RCE showing Replacement Cost Estimator being XXX. Per HOI Policy -XXX Extended Replacement Cost of XXX,XXX. | Hazard insurance coverage is sufficient. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | D | B | C | A | C | A | D | A | C | B | D | C | D | C | D | C | D | C | D | C | D | C | D | C | D | C | D | C | D | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |
| 2023010177 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |
XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. | A | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010177 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. | A | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010405 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |
XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | D | A | C | A | A | A | D | A | A | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010405 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | D | A | C | A | A | A | D | A | A | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010191 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | Unresolved derogatory credit | Borrower has unresolved derogatory credit. credit report has collection account,XXX IAO XXX within last two years and dated XXX which is outsideXXXS | Per guidelines, if borrower has enough funds to cover any unresolved derogatory credits - theyXXXn be removed from theXXXlculation - exception cleared. | XXX | Borrower has no unresolved derogatory credit. | XXX | Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. | D | B | C | A | D | B | A | A | C | B | C | C | A | C | D | D | A | C | C | C | A | C | D | D | A | C | D | D | A | C | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B |
| 2023010191 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | Borrower Liabilities Verification Indicator is Partial | Borrower liabilities verified indicator is Partial- XXXtaxes and insurance for XXX SW XXXth Lane XXX Mtg statement not escrowed XXXupdated mortgage rating for XXX mortgage #XXX. | Received documentation on primary residence - confirmed exception cleared. | XXX | Borrower liabilities verified indicator is Present | XXX | Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. | D | B | C | A | D | B | A | A | C | B | C | C | A | C | D | D | A | C | C | C | A | C | D | D | A | C | D | D | A | C | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B |
| 2023010191 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | OFAC CheckXXXs not completed/Cleared. | OFAC CheckXXXs not completed/cleared. Possible match found on OFAC for Broker, Elite Lending, not cleared on fraud report. | Received copy of OFAC Check. No open issues - Exception cleared. | XXX | OFAC CheckXXXs completed and cleared. | XXX | Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. | D | B | C | A | D | B | A | A | C | B | C | C | A | C | D | D | A | C | C | C | A | C | D | D | A | C | D | D | A | C | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B |
| 2023010191 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan ( XX CFR XXX(a)(X) )The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate by or more orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate by or more orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate by or more. | Escrow account established, and appraisal receipt acknowledged within X days. | XXX | Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. | D | B | C | B | D | B | A | A | C | B | C | C | A | C | D | D | A | C | C | C | A | C | D | D | A | C | D | D | A | C | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | ||
| 2023010191 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Credit | Borrower Employment Verification does not meet guidelines | VOE dated XXX- less than X years emp rating XXX employment date differs from VOE (XXX XXX versus VOE XXX) XXXtwo. X months to complete employment rating and since commission income must be in same line of work verification. | Received updated CRSE - Income-Employment History. Guideline - X years for commission income Actual - XX months averaged. Rationale - Borrower in same line of work just not X years with current company. Compensating Factors : Residual Income of XXX XXX-last XX months. Acknowledged by client. | XXX | XXX | Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. | D | B | C | B | D | B | A | A | C | B | C | C | A | C | D | D | A | C | C | C | A | C | D | D | A | C | D | D | A | C | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | |
| 2023010191 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Credit | Borrower Income Verification does not match Approval | The borrower income verification does not match approval- income less than XX months. XXX full years of commission income current employer income averaged XX months | Received updated CRSE - Income-Employment History. Guideline - X years for commission income Actual - XX months averaged. Rationale - Borrower in same line of work just not X years with current company. Compensating Factors : Residual Income of XXX XXX-last XX months. Acknowledged by client. | XXX | XXX | Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. | D | B | C | B | D | B | A | A | C | B | C | C | A | C | D | D | A | C | C | C | A | C | D | D | A | C | D | D | A | C | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | |
| 2023010191 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | XXX | Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. | D | B | C | A | D | B | A | A | C | B | C | C | A | C | D | D | A | C | C | C | A | C | D | D | A | C | D | D | A | C | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | |||
| 2023010191 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | Fraud Report Shows Uncleared Alerts | Fraud report shows the following alerts that have not been cleared: uncleared high alert- other loans registered in loan registry system not cleared Lender to certify no other loans for same borrower. | Documentation for primary residenceXXXs provided - clearing the fraud alerts outlined on the report. Exception cleared. | XXX | Alerts from Fraud Report have been cleared. | XXX | Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. | D | B | C | A | D | B | A | A | C | B | C | C | A | C | D | D | A | C | C | C | A | C | D | D | A | C | D | D | A | C | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B |
| 2023010191 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | Asset Documents are Incomplete | Asset Documents are Incomplete: XXXproof of incoming gift funds IAO XXX sent directly to escrow. Gift funds per gift letter page XX. Received copy of wire in the amount of XXX. The gift letter shows a transfer in the amount of XXX (directly to Title Company). Please confirm the correct amount. | Received updated gift letter dated and signed on X/XXXX showing the correct amount of XXX being transferred to the title company. Exception cleared. Received copy of wire in the amount of XXX. The gift letter shows a transfer in the amount of XXX (directly to Title Company). Please confirm the correct amount. |
XXX | The exception 'Asset Documents are Incomplete' is cleared. | XXX | Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. | D | B | C | A | D | B | A | A | C | B | C | C | A | C | D | D | A | C | C | C | A | C | D | D | A | C | D | D | A | C | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B |
| 2023010193 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan ( XX CFR XXX(a)(X) )The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate by or more orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate by or more orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate by or more. | Change severity of 'Higher-Priced Mortgage Loan' from Material to Non-Material. Escrow account established, and appraisal receipt acknowledged within X days. | XXX | Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. | C | B | C | B | A | A | A | A | C | B | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | ||
| 2023010193 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | XXX | Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. | C | B | C | A | A | A | A | A | C | B | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |||
| 2023010193 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | XXX | Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. | C | B | C | A | A | A | A | A | C | B | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |||
| 2023010188 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | XXX | Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has stable job time - Borrower has XX years at job. | B | A | C | A | A | A | A | A | B | A | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010188 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | XXX | Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has stable job time - Borrower has XX years at job. | B | A | C | A | A | A | A | A | B | A | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010412 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Compliance | Higher-Priced Mortgage Loan | Lender Acknowledged HPML Disclosure Escrow account established, and appraisal receipt acknowledged within X days. Change severity of 'Higher-Priced Mortgage Loan' from Material to Non-Material. | Higher-Priced Mortgage Loan ( XX CFR XXX(a)(X) )The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate by or more orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate by or more orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate by or more. Change severity of 'Higher-Priced Mortgage Loan' from Material to Non-Material. Change severity of 'Higher-Priced Mortgage Loan' from Non-Material to Material. Escrow account established and acknowledgment of appraisal delivery provided. | XXX | Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | C | B | C | B | A | A | A | A | C | B | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | ||
| 2023010412 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | XXX | Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | C | B | C | A | A | A | A | A | C | B | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |||
| 2023010412 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | XXX | Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | C | B | C | A | A | A | A | A | C | B | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |||
| 2023010061 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan ( XX CFR XXX(a)(X) )The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate by or more orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate by or more orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate by or more. | Escrow account established, and appraisal receipt acknowledged within X days. | Change severity of 'Higher-Priced Mortgage Loan' from Material to Non-Material. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XX is less than the Guideline DTI of XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | C | B | C | B | C | B | A | A | C | B | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | |
| 2023010061 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | Consummation or Reimbursement Date Validation Test | 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 reimbursementXXXlculations. This compliance test 'Consummation or Reimbursement Date Validation Test' is no longer tested | Received LOX with copy of COC dated X/XXXX. Updating loan accordingly. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XX is less than the Guideline DTI of XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | C | B | C | A | C | B | A | A | C | B | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | ||
| 2023010061 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | Reimbursement Amount Test | This loan failed the reimbursement amount test. (XX CFR XXX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances and the provided reimbursement amount of XX, is not sufficient to reimburse the consumer the amount by which the tolerances were exceeded, XXX.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under XXX(e)(X)(i) or (ii), the creditor complies with XXX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation, and the creditor complies with XXX if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XX days after consummation. | Received LOX with copy of COC dated X/XXXX. Updating loan accordingly. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XX is less than the Guideline DTI of XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | C | B | C | A | C | B | A | A | C | B | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | ||
| 2023010061 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XX is less than the Guideline DTI of XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | C | B | C | A | C | B | A | A | C | B | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | |||
| 2023010061 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Credit | Underwriting CLTV exceeds Guideline Maximum Allowable | Change severity of 'Underwriting CLTV exceeds Guideline Maximum Allowable' from Material to Non-Material. Change status of 'Underwriting CLTV exceeds Guideline Maximum Allowable' from Active to Acknowledged by Client. Client provided a guideline exception allowing for LTV of XX based on no lates in last XX months on credit, XX months reserves, and the borrower having been in business for X years Original CLTV of XX adheres to the guideline maximum CLTV of XXX. Underwriting CLTV of XXX is greater than the maximum allowable guideline CLTV of XXX. |
Change severity of 'Underwriting CLTV exceeds Guideline Maximum Allowable' from Material to Non-Material. Change status of 'Underwriting CLTV exceeds Guideline Maximum Allowable' from Active to Acknowledged by Client. Lender provided guideline exception allowing for LTV to exceed program guideline based on no XX months in credit history, XX monthsXXX after closing and in same business X years. Underwriting CLTV of XXX is greater than the maximum allowable guideline CLTV of XXX. |
XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XX is less than the Guideline DTI of XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | C | B | C | B | C | B | A | A | C | B | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | ||
| 2023010061 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Credit | Underwriting LTV exceeds Guideline Maximum Allowable | Underwriting LTV of XXX is greater than the maximum allowable guideline LTV of XXX based on a loan amount of XXXXXX and value used for LTV of XXXXX. Change severity of 'Underwriting LTV exceeds Guideline Maximum Allowable' from Material to Non-Material. Change status of 'Underwriting LTV exceeds Guideline Maximum Allowable' from Active to Acknowledged by Client. Client provided a guideline exception allowing for LTV of XX based on no lates in last XX months on credit, XX months reserves, and the borrower having been in business for X years Original LTV of XX adheres to the guideline maximum LTV of XXX. |
Change status of 'Underwriting LTV exceeds Guideline Maximum Allowable' from Active to Acknowledged by Client. Lender provided guideline exception allowing for LTV to exceed program guideline based on no XX months in credit history, XX monthsXXX after closing and in same business X years. Underwriting LTV of XXX is greater than the maximum allowable guideline LTV of XXX based on a loan amount of XXXXXX and value used for LTV of XXXXX. |
XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XX is less than the Guideline DTI of XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | C | B | C | B | C | B | A | A | C | B | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | ||
| 2023010061 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | Charges ThatXXXnnot Increase Test | Tolerance violation due to an increase in the appraisal fees without a valid COC. | Received LOX with copy of COC dated X/XXXX. Updating loan accordingly. | This loan passed the charges thatXXXnnot increase test. (XX CFR XXX(e)(X)(i))The loan contains charges that do not exceed the good faith determination according to XXX(e)(X)(i).Please see the Tolerance Comparison Table that displays the Charges ThatXXXnnot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under XXX(e)(X)(i). | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XX is less than the Guideline DTI of XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | C | B | C | A | C | B | A | A | C | B | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | |
| 2023010061 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | Underwriting FICO does not meet Guideline Minimum Required | Underwriting FICO of XXX is less than the minimum required guideline FICO of XXX. Guidelines require a minimum FICO of XXX for a loan amounts over X, XXXX | Underwriting FICO of XXX is greater than or equql to the minimum required guideline FICO of XXX. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XX is less than the Guideline DTI of XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | C | B | C | A | C | B | A | A | C | B | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | ||
| 2023010190 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan ( XX CFR XXX(a)(X) )The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate by or more orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate by or more orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate by or more. | Escrow account established, and appraisal receipt acknowledged within X days. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. | D | B | C | B | A | A | D | A | C | B | D | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | ||
| 2023010190 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. | D | B | C | A | A | A | D | A | C | B | D | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |||
| 2023010414 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan ( XX CFR XXX(a)(X) )The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate by or more orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate by or more orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate by or more. | Escrow account established, and appraisal receipt acknowledged within X days. | Change severity of 'Higher-Priced Mortgage Loan' from Material to Non-Material. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XX years at job. | D | B | C | B | A | A | D | A | C | B | D | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |
| 2023010414 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XX years at job. | D | B | C | A | A | A | D | A | C | B | D | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |||
| 2023010413 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan ( XX CFR XXX(a)(X) )The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate by or more orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate by or more orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate by or more. | Escrow account established, and appraisal receipt acknowledged within X days. | Change severity of 'Higher-Priced Mortgage Loan' from Material to Non-Material. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | C | B | C | B | A | A | A | A | C | B | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |
| 2023010413 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | C | B | C | A | A | A | A | A | C | B | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |||
| 2023010413 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | C | B | C | A | A | A | A | A | C | B | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |||
| 2023010189 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan ( XX CFR XXX(a)(X) )The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate by or more orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate by or more orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate by or more. | Escrow account established, and appraisal receipt acknowledged within X | Change severity of 'Higher-Priced Mortgage Loan' from Material to Non-Material. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | D | B | C | B | A | A | D | A | C | B | D | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |
| 2023010189 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | Third Party Valuation Product Not Provided and CU Score is Greater Than XXX | Third Party Valuation Product Not Provided and CU Score is XX. | Received CDA to cure. Exceptions cleared. | Third Party Valuation Product Provided. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | D | B | C | A | A | A | D | A | C | B | D | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |
| 2023010189 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | Third Party Valuation Product Not Provided and FHLMC Collateral Rep &XXXrrant Relief is Not Eligible or Unavailable. | Third Party Valuation Product Not Provided and XXX Collateral Rep &XXXrrant Relief is Not Eligible. | Received CDA to cure. Exceptions cleared. | Third Party Valuation Product Provided. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | D | B | C | A | A | A | D | A | C | B | D | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |
| 2023010189 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | Third Party Valuation Product not Provided | Third Party Valuation Product not Provided to Support Origination Appraised Value within XX. | Received CDA to cure. Exceptions cleared. | Third Party Valuation Product Provided | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | D | B | C | A | A | A | D | A | C | B | D | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |
| 2023010133 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | High-Cost Mortgage Date the Rate Was Set Validation Test | This loan failed the date the rate was set validation test. ( XX CFR XXX(X)(i)(A), (C) )This loan did not provide the date the rate was set, which is required for the High-Cost Mortgage Finding. | Change status of 'High-Cost Mortgage Date the Rate Was Set Validation Test' from Cleared to Revoked. Revoked, corrected date. This compliance test 'High-Cost Mortgage Date the Rate Was Set Validation Test' is no longer tested |
XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | C | A | C | A | A | A | A | A | C | A | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2023010133 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | Non-Numeric XXX Error and Post-Consummation Revised Closing Disclosure Delivery Date Test | This loan failed the non-numeric clerical error and post-consummation revised closing disclosure delivery date test.( XX CFR XXX(f)(X)(iv) )The post-consummation reason for redisclosure is "non-numeric clerical error" and the post-consummation revised closing disclosure delivery date is more than XXXXlendar days after the consummation date, or closing / settlement date if no consummation date was provided.Changes due to clerical errors. A creditor does not violate XXX if the disclosures provided under XXX contain non-numeric clerical errors, provided the creditor delivers or places in the mail corrected disclosures no later than XX days after consummation. | This compliance test 'Non-Numeric Clerical Error and Post-Consummation Revised Closing Disclosure Delivery Date Test' is no longer tested | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | C | A | C | A | A | A | A | A | C | A | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2023010133 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | Consummation or Reimbursement Date Validation Test | Tolerance violation due to an addition of discount points on the final CD XXX without a valid COC | X/XXXX - Per Disclosure Tracking and Verification of COC dated X/XXXX - an additional Closing Disclosure dated X/XXXXXXs provided to the Borrower. Provide a copy of the Closingd Disclosure dated X/XXXX. X/XXXX - Received COC and Closing Disclosure dated X/XXXX. Updating loan to clear exceptions. | XXX | This compliance test 'Consummation or Reimbursement Date Validation Test' is no longer tested | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | C | A | C | A | A | A | A | A | C | A | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2023010133 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | RESPA Homeownership Counseling Organizations Disclosure Date Test | This loan passed the homeownership counseling organizations disclosure date test. ( XX CFR XXX(a) )The loan has a homeownership counseling organizations disclosure date that is within three business days of the loan originator's application date, and the homeownership counseling organizations disclosure date is on or before the closing date.Not later than three business days after a lender, mortgage broker, or dealer receives an application, or information sufficient to complete an application, the lender must provide the loan applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. The list of homeownership counseling organizations distributed to each loan applicant under this section shall be obtained no earlier than XX days prior to the time when the list is provided to the loan applicant from either:(X)The website maintained by the Bureau for lenders to use in complying with the requirements of this section or(X)Data made available by the Bureau or HUD for lenders to use in complying with the requirements of this section, provided that the data is used in accordance with instructions provided with the data.ThisXXXlculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open forXXXrrying on substantially all of its business functions, as described in §XXX(b) and as it relates to XXX (list of homeownership counseling organizations provided not later than X business days after a loan originator receives an application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:NonePlease note: This test does not validate the content of any list of homeownership counseling organizations. | Initial Loan App is dated XXX. Updating information. | XXX | This loan failed the homeownership counseling organizations disclosure date test due to the following findings: ( XX CFR XXX(a) )The loan has a homeownership counseling organizations disclosure date that is not within three business days of the loan originator's application date (or the date creditor received application if loan originator's application date is not provided) orThe homeownership counseling organizations disclosure date is after the closing date.Not later than three business days after a lender, mortgage broker, or dealer receives an application, or information sufficient to complete an application, the lender must provide the loan applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. The list of homeownership counseling organizations distributed to each loan applicant under this section shall be obtained no earlier than XX days prior to the time when the list is provided to the loan applicant from either:(X)The website maintained by the Bureau for lenders to use in complying with the requirements of this section or(X)Data made available by the Bureau or HUD for lenders to use in complying with the requirements of this section, provided that the data is used in accordance with instructions provided with the data.ThisXXXlculation take into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open forXXXrrying on substantially all of its business functions, as described in §XXX(b) and as it relates to XXX (list of homeownership counseling organizations provided not later than X business days after a loan originator receives an application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:NonePlease note: This test does not validate the content of any list of homeownership counseling organizations. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | C | A | C | A | A | A | A | A | C | A | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2023010133 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | Initial Loan Estimate Delivery Date Test (from application) | This loan passed the initial loan estimate delivery date test (from application).( XX CFR XXX(e)(X)(iii)(A) )The initial loan estimate delivery date is not later than the third business day (counting days on which the creditor's offices are open to the public forXXXrrying on substantially all of its business functions) after the creditor or broker receives the consumer's written application.ThisXXXlculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open forXXXrrying on substantially all of its business functions, as described in §XXX(a)(X) and as it relates to XXX(e)(X)(iii)(A) (initial loan estimate disclosure three business days after application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:NoneThe creditor shall deliver or place in the mail the disclosures required under XXX(e)(X)(i) (provision of loan estimate form) not later than the third business day after the creditor receives the consumer's application. | Initial Loan App is dated XXX. Updating information. | XXX | This loan failed the initial loan estimate delivery date test (from application) due to one of the following: ( XX CFR XXX(e)(X)(iii)(A) )The initial loan estimate delivery date is later than the third business day (counting days on which the creditor's offices are open to the public forXXXrrying on substantially all of its business functions) after the creditor or broker receives the consumer's written application.Therefore, if additional disclosures are entered into ComplianceAnalyzer, any values that would change under a valid changed circumstance if the initial loan estimate had been delivered timely, will not reset the baseline for tolerance purposes. The comparable fees for this loan will be X, regardless of the actual values on the disclosure.ThisXXXlculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open forXXXrrying on substantially all of its business functions, as described in §XXX(a)(X) and as it relates to XXX(e)(X)(iii)(A) (initial loan estimate disclosure three business days after application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:NoneThe creditor shall deliver or place in the mail the disclosures required under XXX(e)(X)(i) (provision of loan estimate form) not later than the third business day after the creditor receives the consumer's application. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | C | A | C | A | A | A | A | A | C | A | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2023010133 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | Initial Closing Disclosure Delivery Date Test | Per the disclosure tracking summary the initial CDXXXs issued X/XX/ XXXfrom the file. | X/XXXX - Received COC and Closing Disclosure dated X/XXXX. Updating loan to clear exceptions. | XXX | This loan passed the initial closing disclosure delivery date test.( XX CFR XXX(f)(X)(ii) )The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"XXX" or "XXX" or blank, and the initial closing disclosure delivery date is not less than six business days (counting allXXXlendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction or"In Person" and the initial closing disclosure delivery date is not less than three business days (counting allXXXlendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is not less than three business days (counting allXXXlendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction.The creditor shall ensure that the consumer receives the disclosures required under paragraph XXX no later than three business days before consummation. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | C | A | C | A | A | A | A | A | C | A | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2023010133 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | Charges ThatXXXnnot Increase Test | Tolerance violation due to an addition of discount points on the final CD XXX without a valid COC. | Received PCCD w/ letter, Fed Ex Return label and refund check in the amount of XX,XXX. Updating loan accordingly. X/XXXX - Per Disclosure Tracking and Verification of COC dated X/XXXX - an additional Closing Disclosure dated X/XXXXXXs provided to the Borrower. Provide a copy of the Closingd Disclosure dated X/XXXX. X/XXXX - Received COC and Closing Disclosure dated X/XXXX. Updating loan to clear exceptions. |
XXX | This loan passed the charges thatXXXnnot increase test. (XX CFR XXX(e)(X)(i))The loan contains charges that do not exceed the good faith determination according to XXX(e)(X)(i).Please see the Tolerance Comparison Table that displays the Charges ThatXXXnnot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under XXX(e)(X)(i). This loan failed the charges thatXXXnnot increase test. (XX CFR XXX(e)(X)(i))The loan contains charges that exceed the good faith determination according to XXX(e)(X)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is XX,XXX.Please see the Tolerance Comparison Table that displays the Charges ThatXXXnnot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under XXX(e)(X)(i). | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | C | A | C | A | A | A | A | A | C | A | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2023010133 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | Charges That In TotalXXXnnot Increase More Than Test | This loan passed the charges that in totalXXXnnot increase more than XX test. (XX CFR XXX(e)(X)(ii))The loan contains third-party services that the consumerXXXs permitted to shop for and the charges were in good faith according to XXX(e)(X)(ii). The final charges that in totalXXXnnot increase more than XX (XXX) do not exceed the comparable charges (XXX) by more than XX. Please see the table that displays the Charges ThatXXXnnot Increase More Than XX 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 XXX(e)(X)(i) by more than XX 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 XXX(e)(X)(vi). | Initial Loan App is dated XXX. Updating information. | XXX | This loan passed the charges that in totalXXXnnot increase more than XX test. (XX CFR XXX(e)(X)(ii))The loan contains third-party services that the consumerXXXs permitted to shop for and the charges were in good faith according to XXX(e)(X)(ii). The final charges that in totalXXXnnot increase more than XX (XXX) do not exceed the comparable charges (XXX) by more than XX. Please see the table that displays the Charges ThatXXXnnot Increase More Than XX 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 XXX(e)(X)(i) by more than XX 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 XXX(e)(X)(vi). This loan failed the charges that in totalXXXnnot increase more than XX test. (XX CFR XXX(e)(X)(ii))The loan contains third-party services that the consumerXXXs permitted to shop for and the charges exceed the good faith tolerance according to XXX(e)(X)(ii). The final charges that in totalXXXnnot increase more than XX (X,XXX) exceed the comparable charges (XX) by more than XX. Please see the table that displays the Charges ThatXXXnnot Increase More Than XX 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 XXX(e)(X)(i) by more than XX 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 XXX(e)(X)(vi). | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | C | A | C | A | A | A | A | A | C | A | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2023010133 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | Reimbursement Amount Test | Tolerance violation due to an addition of discount points on the final CD XXX without a valid COC | X/XXXX - Per Disclosure Tracking and Verification of COC dated X/XXXX - an additional Closing Disclosure dated X/XXXXXXs provided to the Borrower. Provide a copy of the Closingd Disclosure dated X/XXXX. X/XXXX - Received COC and Closing Disclosure dated X/XXXX. Updating loan to clear exceptions. | XXX | This loan passed the reimbursement amount test. (XX CFR XXX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances. However, the provided reimbursement amount of XX,XXX, is sufficient to reimburse the consumer the amount by which the tolerances were exceeded, XX.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under XXX(e)(X)(i) or (ii), the creditor complies with XXX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation, and the creditor complies with XXX if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XX days after consummation. This loan passed the reimbursement amount test. (XX CFR XXX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances. However, the provided reimbursement amount of XX,XXX, is sufficient to reimburse the consumer the amount by which the tolerances were exceeded, XX,XXX.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under XXX(e)(X)(i) or (ii), the creditor complies with XXX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation, and the creditor complies with XXX if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XX days after consummation. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | C | A | C | A | A | A | A | A | C | A | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2023010133 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | Reimbursement Date Test | This loan failed the reimbursement date test. (XX CFR XXX(f)(X)(v))The reimbursement date is more than XXXXlendar days after the consummation date, or closing / settlement date if no consummation date was provided.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under XXX(e)(X)(i) or (ii), the creditor complies with XXX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation. | This loan passed the reimbursement date test. (XX CFR XXX(f)(X)(v))The reimbursement date is not more than XXXXlendar days after the consummation date, or closing / settlement date if no consummation date was provided.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under XXX(e)(X)(i) or (ii), the creditor complies with XXX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation. Update, finding is active as the PCCD cure is greater than XX days post identification. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | C | A | C | A | A | A | A | A | C | A | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2023010201 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan ( XX CFR XXX(a)(X) )The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate by or more orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate by or more orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate by or more. Lender Acknowledged HPML Disclosure Escrow account established, and appraisal receipt acknowledged within X days. | Lender Acknowledged HPML Disclosure Escrow account established, and appraisal receipt acknowledged within X days. | Change severity of 'Higher-Priced Mortgage Loan' from Material to Non-Material. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has stable job time - Borrower has XX years at job. | D | B | C | B | A | A | D | A | C | B | D | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |
| 2023010201 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has stable job time - Borrower has XX years at job. | D | B | C | A | A | A | D | A | C | B | D | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |||
| 2023010201 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | Initial Closing Disclosure Delivery Date Test | This loan failed the initial closing disclosure delivery date test due to one of the following findings:( XX CFR XXX(f)(X)(ii) )The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"XXX Mail" or "XXX" or blank, and the initial closing disclosure delivery date is less than six business days (counting allXXXlendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction or"In Person" and the initial closing disclosure delivery date is less than three business days (counting allXXXlendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting allXXXlendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph XXX no later than three business days before consummation. Per Tracking Disclosure Summary Initial CD XXX XXXfrom file | Received Closing Disclosure dated X/XXXX w/ corresponding COC. Updating loan accordingly. Per Tracking Disclosure Summary Initial CD XXX XXXfrom file | XXX | This loan passed the initial closing disclosure delivery date test.( XX CFR XXX(f)(X)(ii) )The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"XXX" or "XXX" or blank, and the initial closing disclosure delivery date is not less than six business days (counting allXXXlendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction or"In Person" and the initial closing disclosure delivery date is not less than three business days (counting allXXXlendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is not less than three business days (counting allXXXlendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction.The creditor shall ensure that the consumer receives the disclosures required under paragraph XXX no later than three business days before consummation. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has stable job time - Borrower has XX years at job. | D | B | C | A | A | A | D | A | C | B | D | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B |
| 2023010201 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | TRID Initial Loan Estimate Date and Initial Closing Disclosure Date Validation Test | This loan failed the TRID initial loan estimate date and initial closing disclosure date validation test.This loan contains an initial closing disclosure receipt date (or initial closing disclosure delivery date if receipt dateXXXs not provided) that is on or before any loan estimate delivery date. Please review the loan data to ensure the dates are in the correct fields. Per Tracking Disclosure Summary Initial CD XXX XXXfrom file | Change status of 'TRID Initial Loan Estimate Date and Initial Closing Disclosure Date Validation Test' from Cleared to Rescind. .. Per Tracking Disclosure Summary Initial CD XXX XXXfrom file |
XXX | This compliance test 'TRID Initial Loan Estimate Date and Initial Closing Disclosure Date Validation Test' is no longer tested | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has stable job time - Borrower has XX years at job. | D | B | C | A | A | A | D | A | C | B | D | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B |
| 2023010201 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | TRID Initial Closing Disclosure Date and Date Creditor Received Application Validation Test | This loan failed the TRID initial closing disclosure date and date creditor received application validation test.This loan contains an initial closing disclosure receipt date (or initial closing disclosure delivery date if receipt dateXXXs not provided) that is before the date creditor received the application. Please review the loan data to ensure the dates are in the correct fields. Per Tracking Disclosure Summary Initia CD XXX XXXfrom file | Per Tracking Disclosure Summary Initia CD XXX XXXfrom file | XXX | This compliance test 'TRID Initial Closing Disclosure Date and Date Creditor Received Application Validation Test' is no longer tested | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has stable job time - Borrower has XX years at job. | D | B | C | A | A | A | D | A | C | B | D | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B |
| 2023010201 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | TRID Disclosure Delivery and Receipt Date Validation Test | This loan failed the TRID disclosure delivery and receipt date validation test due to one of the following findings:The Revised Loan Estimate Receipt Date is before Revised Loan Estimate Delivery Date orThe Initial Closing Disclosure Receipt Date is before Initial Closing Disclosure Delivery Date orThe Revised Closing Disclosure Receipt Date is before Revised Closing Disclosure Delivery Date. Per Tracking Disclosure Summary Initia CD XXX XXXfrom file | Change status of 'TRID Disclosure Delivery and Receipt Date Validation Test' from Cleared to Rescind. .. Per Tracking Disclosure Summary Initia CD XXX XXXfrom file |
XXX | This compliance test 'TRID Disclosure Delivery and Receipt Date Validation Test' is no longer tested | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has stable job time - Borrower has XX years at job. | D | B | C | A | A | A | D | A | C | B | D | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B |
| 2023010201 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | TRID Monitor Timing of Disclosures Finding | TRID Monitor Timing of Disclosures Finding.This loan contains at least one disclosure that fails one or more of the various disclosure timing provisions in the TILA-RESPA Integrated Disclosure section of Regulation Z. For more information, please see the TILA-RESPA Integrated Disclosure section of the full ComplianceAnalyzer report.While creditors are required to issue disclosures in good faith, the fact that a disclosureXXXs not issued timely may or may not violate Regulation Z if the values are not used to reset tolerance baselines. However, some lenders and secondary market investors may prefer not to fund or buy loans that contain disclosures that were not issued timely under the regulation. Per Tracking Disclosure Summary Initial CD XXX XXXfrom file | Received Closing Disclosure dated X/XXXX w/ corresponding COC. Updating loan accordingly. Per Tracking Disclosure Summary Initial CD XXX XXXfrom file | XXX | TRID Monitor Timing of Disclosures Finding.This loan contains disclosures that do not fail one or more of the various disclosure timing provisions in the TILA-RESPA Integrated Disclosure section of Regulation Z. For more information, please see the TILA-RESPA Integrated Disclosure section of the full ComplianceAnalyzer report.While creditors are required to issue disclosures in good faith, the fact that a disclosureXXXs not issued timely may or may not violate Regulation Z if the values are not used to reset tolerance baselines. However, some lenders and secondary market investors may prefer not to fund or buy loans that contain disclosures that were not issued timely under the regulation. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has stable job time - Borrower has XX years at job. | D | B | C | A | A | A | D | A | C | B | D | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B |
| 2023010021 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | B | B | C | A | A | A | A | A | B | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |||
| 2023010021 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Active | Compliance | Prepay Amount From Note Does Not Equal Prepay Amount On Final Closing Disclosure | Prepay amount from note of does not equal prepay amount on final CD. Initial CD XX/XX does not reflect a prepayment penalty Prepay amount from note of does not equal prepay amount on final CD. From Hard Coded form in template: 'Closing Disclosure' at X/XXXX |
XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | B | B | B | B | A | A | A | A | B | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |||
| 2023010021 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | B | B | C | A | A | A | A | A | B | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |||
| 2023010196 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | Borrower Income Verification is less than 12 months | Borrower Income Verification is less than XX months | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has stable job time - Borrower has XX years at job. | C | A | C | A | C | A | A | A | B | A | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010196 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has stable job time - Borrower has XX years at job. | C | A | C | A | C | A | A | A | B | A | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010205 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |
XXX | Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XXX years | A | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010205 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | XXX | Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XXX years | A | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010205 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | XXX | Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XXX years | A | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010195 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |
XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Borrower has more than X years at current residence - Borrower at current residence XX years | D | A | C | A | A | A | D | A | A | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010195 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Borrower has more than X years at current residence - Borrower at current residence XX years | D | A | C | A | A | A | D | A | A | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010200 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Compliance | LenderXXXLS Status is Not Active | The lenderXXXLS status is Not Active |
Licensing Extended. Ability to conduct business intact. | The lenderXXXLS status is Active | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. | D | A | C | A | A | A | D | A | C | A | D | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2023010417 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | Initial Closing Disclosure Delivery Date Test | This loan failed the initial closing disclosure delivery date test due to one of the following findings:( XX CFR XXX(f)(X)(ii) )The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"XXX Mail" or "XXX" or blank, and the initial closing disclosure delivery date is less than six business days (counting allXXXlendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction or"In Person" and the initial closing disclosure delivery date is less than three business days (counting allXXXlendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting allXXXlendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph XXX no later than three business days before consummation. XXXInitial CD from the file | Received Closing Disclosure dated X/XXXX. Updating loan accordingly. | XXX | This loan passed the initial closing disclosure delivery date test.( XX CFR XXX(f)(X)(ii) )The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"XXX" or "XXX" or blank, and the initial closing disclosure delivery date is not less than six business days (counting allXXXlendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction or"In Person" and the initial closing disclosure delivery date is not less than three business days (counting allXXXlendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is not less than three business days (counting allXXXlendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction.The creditor shall ensure that the consumer receives the disclosures required under paragraph XXX no later than three business days before consummation. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XX years at job. | D | B | C | A | A | A | D | A | C | B | D | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B |
| 2023010417 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | TRID Monitor Timing of Disclosures Finding | TRID Monitor Timing of Disclosures Finding.This loan contains at least one disclosure that fails one or more of the various disclosure timing provisions in the TILA-RESPA Integrated Disclosure section of Regulation Z. For more information, please see the TILA-RESPA Integrated Disclosure section of the full ComplianceAnalyzer report.While creditors are required to issue disclosures in good faith, the fact that a disclosureXXXs not issued timely may or may not violate Regulation Z if the values are not used to reset tolerance baselines. However, some lenders and secondary market investors may prefer not to fund or buy loans that contain disclosures that were not issued timely under the regulation. XXXInitial CD from the file | Received Closing Disclosure dated X/XXXX. Updating loan accordingly. | XXX | TRID Monitor Timing of Disclosures Finding.This loan contains disclosures that do not fail one or more of the various disclosure timing provisions in the TILA-RESPA Integrated Disclosure section of Regulation Z. For more information, please see the TILA-RESPA Integrated Disclosure section of the full ComplianceAnalyzer report.While creditors are required to issue disclosures in good faith, the fact that a disclosureXXXs not issued timely may or may not violate Regulation Z if the values are not used to reset tolerance baselines. However, some lenders and secondary market investors may prefer not to fund or buy loans that contain disclosures that were not issued timely under the regulation. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XX years at job. | D | B | C | A | A | A | D | A | C | B | D | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B |
| 2023010417 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan ( XX CFR XXX(a)(X) )The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate by or more orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate by or more orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate by or more. | Escrow account established and appraisal receipt acknowledged within X days. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XX years at job. | D | B | C | B | A | A | D | A | C | B | D | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | ||
| 2023010417 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XX years at job. | D | B | C | A | A | A | D | A | C | B | D | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |||
| 2023010204 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Credit | Liquid Reserves are less than Guidelines Required | Change status of 'Liquid Reserves are less than Guidelines Required' from Active to Acknowledged by Client. Confirmed comp factors and exception approval Change severity of 'Liquid Reserves are less than Guidelines Required' from Material to Non-Material. The liquid reserves of XX months or XXX, are less than the Guidelines minimum required of XXX or XXX. Exception in file to allow X mths reserves. Comp factors: XXX DTI, payment shock X, and XXX. Borrower only has XX mths reserves. |
XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Borrower has stable job time - Borrower has XX years at job. | D | B | C | B | C | B | D | A | A | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | D | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||
| 2023010204 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |
XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Borrower has stable job time - Borrower has XX years at job. | D | B | C | A | C | B | D | A | A | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | D | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||
| 2023010416 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |
XXX | Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | A | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010416 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | XXX | Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | A | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010416 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | XXX | Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | A | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010206 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan ( XX CFR XXX(a)(X) )The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate by or more orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate by or more orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate by or more. | Escrow account established, and appraisal receipt acknowledged within X days. | XXX | Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XXX years | D | B | C | B | D | A | A | A | C | B | C | C | A | C | D | D | A | C | C | C | A | C | D | D | A | C | D | D | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | ||
| 2023010206 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | XXX | Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XXX years | D | B | C | A | D | A | A | A | C | B | C | C | A | C | D | D | A | C | C | C | A | C | D | D | A | C | D | D | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |||
| 2023010206 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | Final Loan Application is Partial | Final Loan Application is Partial. The PITI on leaving residence (turning Investment) for XXX XXXAvenue is not included inXXXlculation. Updated final XXXXX including property information is required. XXX: Received updated property taxes, and HOI for property located at XXX XXXAvenue. Exception cleared. | Received copy of Email to Borrower with an updated XXX. Need read receipt or confirmation from borrower emailXXXs received. | Final Loan Application is Present | XXX | Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XXX years | D | B | C | A | D | A | A | A | C | B | C | C | A | C | D | D | A | C | C | C | A | C | D | D | A | C | D | D | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |
| 2023010206 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | Transmittal Summary is Partial | The transmittal summary is Partial. The PITI on leaving residence (turning Investment) for XXX XXXAvenue is not included inXXXlculation. Updated final XXXXX including property information is required. | XXX: Received updated property taxes, and HOI for property located at XXX XXXAvenue. Exception cleared. | The transmittal summary is Present | XXX | Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XXX years | D | B | C | A | D | A | A | A | C | B | C | C | A | C | D | D | A | C | C | C | A | C | D | D | A | C | D | D | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |
| 2023010415 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |
XXX | Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | D | A | C | A | D | A | C | A | A | A | C | C | C | A | D | D | C | A | C | C | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010415 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | Title Issues Present | The following issues were noted: Page XXX Title Commitment X/XXXX shows Brokers Name not XXX'. page XXX Title Commitment X/XX/ Expired X/XXXX. Subject Consummation X/XXXX. |
Updated commitment showing Broker as XXX and expiration date of X/XXXX. Exception cleared. | The exception 'Title Issues Present' is cleared. | XXX | Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | D | A | C | A | D | A | C | A | A | A | C | C | C | A | D | D | C | A | C | C | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2023010415 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | Transmittal Summary is Partial | The transmittal summary is Partial. Client's Approval and CRSE both show XX Business XXXlculated. Need additional XXXlculation or updated Approval/CRSE. | Received updated CRSE and UW Approval showing XX Month Business Bank Statement. Exception cleared. | The transmittal summary is Present | XXX | Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | D | A | C | A | D | A | C | A | A | A | C | C | C | A | D | D | C | A | C | C | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2023010342 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XX is less than the Guideline DTI of XXX. Borrower has stable job time - Borrower has XX years at job. | C | A | C | A | A | A | A | A | C | A | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010342 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XX is less than the Guideline DTI of XXX. Borrower has stable job time - Borrower has XX years at job. | C | A | C | A | A | A | A | A | C | A | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010342 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | TRID Monitor Timing of Disclosures Finding | TRID Monitor Timing of Disclosures Finding.This loan contains at least one disclosure that fails one or more of the various disclosure timing provisions in the TILA-RESPA Integrated Disclosure section of Regulation Z. For more information, please see the TILA-RESPA Integrated Disclosure section of the full ComplianceAnalyzer report.While creditors are required to issue disclosures in good faith, the fact that a disclosureXXXs not issued timely may or may not violate Regulation Z if the values are not used to reset tolerance baselines. However, some lenders and secondary market investors may prefer not to fund or buy loans that contain disclosures that were not issued timely under the regulation. The revised/final CD issued X/XXXXXXs signed X/XX/ which is after consummation dated X/XXXX. There's no documentation in the file to show the disclosureXXXs received prior to consummation. | Received copy of CD dated X/XXXX and signed X/XXXX. Updating loan accordingly. | This compliance test 'TRID Monitor Timing of Disclosures Finding' is no longer tested | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XX is less than the Guideline DTI of XXX. Borrower has stable job time - Borrower has XX years at job. | C | A | C | A | A | A | A | A | C | A | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2023010342 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | Revised Closing Disclosure Delivery Date Test (NoXXXiting Period Required) Test | This loan failed the revised closing disclosure delivery date test (noXXXiting period required). ( XX CFR XXX )The revised closing disclosure delivery does not require a newXXXiting period and:The revised closing disclosure delivery date is provided and the revised closing disclosure method of delivery is marked as either"XXX Mail" or "XXX" or blank, and the revised closing disclosure delivery date is less than three business days (counting allXXXlendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction or"In Person" and the revised closing disclosure delivery date is after the consummation date, or closing / settlement date if no consummation date is provided, of the transaction orThe revised closing disclosure receipt date is provided and the revised closing disclosure receipt date is after the consummation date, or closing / settlement date if no consummation date is provided, of the transaction.Changes before consummation not requiring a newXXXiting period. Except as provided in XXX(f)(X)(ii), if the disclosures provided under XXX become inaccurate before consummation, the creditor shall provide corrected disclosures reflecting any changed terms to the consumer so that the consumer receives the corrected disclosures at or before consummation. Notwithstanding the requirement to provide corrected disclosures at or before consummation, the creditor shall permit the consumer to inspect the disclosures provided under this paragraph, completed to set forth those items that are known to the creditor at the time of inspection, during the business day immediately preceding consummation, but the creditor may omit from inspection items related only to the seller's transaction. The revised/final CD issued X/XXXXXXs signed X/XX/ which is after consummation dated X/XXXX. There's no documentation in the file to show the disclosureXXXs received prior to consummation. | Received copy of CD dated X/XXXX and signed X/XXXX. Updating loan accordingly. | This loan passed the revised closing disclosure delivery date test (noXXXiting period required).( XX CFR XXX )The revised closing disclosure delivery does not require a newXXXiting period andThe revised closing disclosure delivery date is provided and the revised closing disclosure method of delivery is marked as either:"XXX" or "XXX" or blank, and the revised closing disclosure delivery date is not less than three business days (counting allXXXlendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction or"In Person" and the revised closing disclosure delivery date is at or before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction orThe revised closing disclosure receipt date is provided and the revised closing disclosure receipt date is at or before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction.Changes before consummation not requiring a newXXXiting period. Except as provided in XXX(f)(X)(ii), if the disclosures provided under XXX become inaccurate before consummation, the creditor shall provide corrected disclosures reflecting any changed terms to the consumer so that the consumer receives the corrected disclosures at or before consummation. Notwithstanding the requirement to provide corrected disclosures at or before consummation, the creditor shall permit the consumer to inspect the disclosures provided under this paragraph, completed to set forth those items that are known to the creditor at the time of inspection, during the business day immediately preceding consummation, but the creditor may omit from inspection items related only to the seller's transaction. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XX is less than the Guideline DTI of XXX. Borrower has stable job time - Borrower has XX years at job. | C | A | C | A | A | A | A | A | C | A | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2023010062 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has stable job time - Borrower has XX years at job. | B | A | C | A | A | A | A | A | B | A | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010062 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has stable job time - Borrower has XX years at job. | B | A | C | A | A | A | A | A | B | A | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010063 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |
XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | A | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010063 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | A | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010063 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | A | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010423 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has stable job time - Borrower has XX years at job. | D | A | C | A | A | A | D | A | B | A | D | A | D | B | D | A | D | B | D | A | D | B | D | A | D | B | D | A | D | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010426 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |
XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | A | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010426 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | A | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010426 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | A | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010419 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan ( XX CFR XXX(a)(X) )The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate by or more orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate by or more orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate by or more. | HPML loan with established escrow and appraisal received, downgraded to a B. | Change severity of 'Higher-Priced Mortgage Loan' from Material to Non-Material. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XX is less than the Guideline DTI of XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. | C | B | C | B | A | A | A | A | C | B | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |
| 2023010419 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XX is less than the Guideline DTI of XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. | C | B | C | A | A | A | A | A | C | B | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |||
| 2023010419 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XX is less than the Guideline DTI of XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. | C | B | C | A | A | A | A | A | C | B | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |||
| 2023010422 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan ( XX CFR XXX(a)(X) )The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate by or more orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate by or more orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate by or more. | HPML loan with established escrow and appraisal received. downgrade to B | Change severity of 'Higher-Priced Mortgage Loan' from Material to Non-Material. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | C | B | C | B | A | A | A | A | C | B | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |
| 2023010422 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | C | B | C | A | A | A | A | A | C | B | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |||
| 2023010422 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | C | B | C | A | A | A | A | A | C | B | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |||
| 2023010424 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan ( XX CFR XXX(a)(X) )The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate by or more orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate by or more orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate by or more. | HPML loan with established escrow and appraisal received. downgrade to B | Change severity of 'Higher-Priced Mortgage Loan' from Material to Non-Material. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. | C | B | C | B | C | B | A | A | C | B | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | |
| 2023010424 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Credit | Minimum Trade Line Requirement Not Met | Change severity of 'Minimum Trade Line Requirement Not Met' from Material to Non-Material. Change status of 'Minimum Trade Line Requirement Not Met' from Active to Acknowledged by Client. Client provided guideline exception allowing for late pay on consumer auto account based on Borrower with same employer X years, residual income of X,X XXX and XXX last XX months. Borrower(s) have not met the minimum tradeline requirement per lender guidelines. Late pays noted on CRS page XXX. Letter of Explanation regarding late pays on page XXX. Debt is now current (Page XXX) Exception granted |
XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. | C | B | C | B | C | B | A | A | C | B | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | |||
| 2023010424 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. | C | B | C | A | C | B | A | A | C | B | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | |||
| 2023010427 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan ( XX CFR XXX(a)(X) )The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate by or more orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate by or more orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate by or more. | HPML Loan with established escrows and appraisal received.XXX a B. | Change severity of 'Higher-Priced Mortgage Loan' from Material to Non-Material. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XX years at job. | C | B | C | B | A | A | A | A | C | B | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |
| 2023010427 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XX years at job. | C | B | C | A | A | A | A | A | C | B | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |||
| 2023010427 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XX years at job. | C | B | C | A | A | A | A | A | C | B | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |||
| 2023010425 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |
XXX | Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | A | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010425 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | XXX | Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | A | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010425 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | XXX | Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | A | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010428 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan ( XX CFR XXX(a)(X) )The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate by or more orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate by or more orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate by or more. | HPML loan with established escrow and appraisal received. downgrade to B. | Change severity of 'Higher-Priced Mortgage Loan' from Material to Non-Material. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. | C | B | C | B | A | A | A | A | C | B | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |
| 2023010428 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. | C | B | C | A | A | A | A | A | C | B | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |||
| 2023010428 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. | C | B | C | A | A | A | A | A | C | B | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |||
| 2023010065 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |
XXX | Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010065 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | XXX | Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010065 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | Housing history does not meet guidelines | Housing history does not meet guidelines. XXXXXXsh-Out Refinance Guidelines require that the property must have been purchased (or acquired) by the borrower at least XX months prior to the disbursement of the new mortgage. Borrower purchased subject property on XXX. No exception in file for seasoning. | Received LOX - Bwr purchased subject property on XXX and appears to have closed on X/XX/XX which is X mos and XX days. CDA obtained per guidelines is in file, and supports the appraisal. CDA provided. PerXXXs, the property has been owned for less than XX months, but at least X months, and AO ordered a CDA. Exception cleared. | Housing delinquency meets guidelines. | XXX | Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2023010065 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | Borrower Income Verification does not match Approval | The borrower income verification does not match approval. The lenderXXXlculated the borrower's income at X,XXX/mo using a XX-month Personal XXX. XXXcopy of the X/XX/XX personal XXX accounts, deposits from XXX Funds, Overdraft deposits, and large deposits. However, the lender failed to omit the following deposits: X/XX/XX XXX for X, XXX XXX for X, X/XX/XX Savings XXX for X, X/XX/XX XXX for X,XXX, X/XX/XX Savings XXX for X, and X/XX/XX XXX for X,XXX. | Received LOX with updated IncomeXXXlculation removing the outlined amounts. Reviewed - incomeXXXlculations match. Exceptions cleared. | The borrower income verification does match approval | XXX | Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2023010429 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan ( XX CFR XXX(a)(X) )The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate by or more orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate by or more orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate by or more. | HPML Loan with established escrow and appraisal received. Downgraded to a B | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. | D | B | C | B | D | B | A | A | C | B | C | C | A | C | D | D | A | C | C | C | A | C | D | D | A | C | D | D | A | C | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | ||
| 2023010429 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. | D | B | C | A | D | B | A | A | C | B | C | C | A | C | D | D | A | C | C | C | A | C | D | D | A | C | D | D | A | C | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | |||
| 2023010429 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Credit | Borrower Liabilities Verification Indicator is Partial | Borrower liabilities verified indicator is Partial | Received CRSE - confirming exception | Change severity of 'Borrower Liabilities Verification Indicator is Partial' from Material to Non-Material. Change status of 'Borrower Liabilities Verification Indicator is Partial' from Active to Acknowledged by Client. Received CRSE - Exception Type: Credit-Judgments/Collections/Tax Liens. Guideline - Tax liens to be paid. Actual - Leave open & exclude from DTI. Rationale - Borrower is and has been on a psyment plan. Only XX payments left at time of closing. borrower aldo has assets to cover the balance and still meet reserve requirements with X months. Compensating Factors : Qualifying Credit Score is XXX XXX (Housing) Payment decreasing by XXX Payment Shock is only -XXX. Acknowledged by client. |
XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. | D | B | C | B | D | B | A | A | C | B | C | C | A | C | D | D | A | C | C | C | A | C | D | D | A | C | D | D | A | C | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | |
| 2023010429 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | Qualifying DTI exceeds Guideline Maximum Allowable | Lender included XXX IRS tax lien payment on final URLA page XXX for total liabilities of XXX. Lender did not include XXX tax lien payment into DTI on final XXX page XXX, using total other liabilities of XXX.. Audit DTI without XXX tax payment is XXX and matches lender. Once XXX tax liens is included, Final DTI is XXX. Lender Max DTI is XX with XX LTV. No exception in file for DTI to exceed XX. |
Received CRSE confirming the Tax Lien paymentXXXn be excluded from the LiabilityXXXlculation. Removing entry. Recieved approved exception to allow Tax Lien to remain open. Exception does not address the increased DTI over guidelines by allowing the Tax Lien payment plan to continue. Exception stands. |
Documentation provided to support Qualifying DTI below XXX. XXX: Recieved approved exception to allow Tax Lien to remain open. Exception does not address the increased DTI over guidelines by allowing the Tax Lien payment plan to continue. Exception stands. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. | D | B | C | A | D | B | A | A | C | B | C | C | A | C | D | D | A | C | C | C | A | C | D | D | A | C | D | D | A | C | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | |
| 2023010433 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan ( XX CFR XXX(a)(X) )The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate by or more orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate by or more orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate by or more. | HPML Loan with established escrow and appraisal received, downgraded to a B. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | C | B | C | B | A | A | A | A | C | B | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | ||
| 2023010433 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | C | B | C | A | A | A | A | A | C | B | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |||
| 2023010433 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | C | B | C | A | A | A | A | A | C | B | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |||
| 2023010064 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |
XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XX years at job. | C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010064 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XX years at job. | C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010064 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | Payment shock exceeds lender guidelines | Payment shock of XXX exceeds the lender guidelines tolerance for payment shock. Investment Property purchase. Borrower is retaining their primary residence | Received LOX - Payment shock isn't considered on an investment property or Xnd home. Only on a new primary purchase would we have to follow payment shock guidelines. Exception cleared. | Payment shock of XXX does not exceed the lender guidelines tolerance for payment shock. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XX years at job. | C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2023010434 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |
XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has stable job time - Borrower has XX years at job. | A | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010434 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has stable job time - Borrower has XX years at job. | A | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010434 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has stable job time - Borrower has XX years at job. | A | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010430 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |
XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXXX are greater than the Guideline Minimum of XX or XXXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | A | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010430 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXXX are greater than the Guideline Minimum of XX or XXXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | A | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010430 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXXX are greater than the Guideline Minimum of XX or XXXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | A | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010432 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |
XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. | A | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010432 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. | A | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010432 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. | A | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010431 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan ( XX CFR XXX(a)(X) )The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate by or more orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate by or more orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate by or more. | Loan is HPML. Escrow/Appraisal requirements met. | XXX | Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XX years at job. | D | B | C | B | D | B | A | A | C | B | C | C | A | C | D | D | A | C | C | C | A | C | D | D | A | C | D | D | A | C | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | ||
| 2023010431 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | XXX | Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XX years at job. | D | B | C | A | D | B | A | A | C | B | C | C | A | C | D | D | A | C | C | C | A | C | D | D | A | C | D | D | A | C | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | |||
| 2023010431 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | Borrower Liabilities Verification Indicator is Partial | Borrower liabilities verified indicator is Partial. X) Departing primary XXX NW XXnd Terrace: Provide XXXfully executed lease agreement IAO XXX and proof of security deposit from the tenant with deposited funds into bank account. DTI pending rental income documentation. X) XXX NW Xth Blvd: Provide property report confirming REO free and clear with no HOI or HOA. |
Received LOX - Rental income removed - CRSE for DTIXXXlculations follows. Exception cleared. | Borrower liabilities verified indicator is Present | XXX | Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XX years at job. | D | B | C | A | D | B | A | A | C | B | C | C | A | C | D | D | A | C | C | C | A | C | D | D | A | C | D | D | A | C | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | |
| 2023010431 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Credit | Qualifying DTI exceeds Guideline Maximum Allowable | Qualifying DTI of XXX exceeds guideline maximum of XXX. Documentation provided to support Qualifying DTI below XXX. | Received CRSE - acknowleding exception | Change severity of 'Qualifying DTI exceeds Guideline Maximum Allowable' from Material to Non-Material. Change status of 'Qualifying DTI exceeds Guideline Maximum Allowable' from Active to Acknowledged by Client. Received CRSE - Exception Type: Program-Debt Ratios. Guideline - XX max Actual XX. Rationale - DTI exception given for departing residence. Will be sold within the next X months. Compensating Factors : Qualifying Credit Score is XXX Borr with employer for X+ years Reserves of XXX Months Qualifying LTV is XX. Acknowledged by client. Qualifying DTI of XXX exceeds guideline maximum of XXX. |
XXX | Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XX years at job. | D | B | C | B | D | B | A | A | C | B | C | C | A | C | D | D | A | C | C | C | A | C | D | D | A | C | D | D | A | C | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | |
| 2023010431 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Credit | Payment shock exceeds lender guidelines | Payment shock of XXX exceeds the lender guidelines tolerance of XXX for payment shock. Borrower's departing primary housing payment is XXX, with taxes and insurance escrowed (per mortgage statement page XXX). Lender used present housing payment of XXX per pg XXX and present housing payment of XXX per final URLA page XX. Lender to provide housing documentation to support all expenses exceeding XXX monthly mortgage payment. |
Received CRSE - acknowleding exception | Change severity of 'Payment shock exceeds lender guidelines' from Material to Non-Material. Change status of 'Payment shock exceeds lender guidelines' from Active to Acknowledged by Client. Received CRSE - Program-Payment Shock. Guidelines XXX Actual XXX. Rationale - Borrower paid current primary to free and clear and then took a small first mortgage. Compensating Factors : Qualifying Credit Score is XXX Borr with employer for X+ years Reserves of XXX Months Qualifying LTV is XX. Acknowledged by client. |
XXX | Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XX years at job. | D | B | C | B | D | B | A | A | C | B | C | C | A | C | D | D | A | C | C | C | A | C | D | D | A | C | D | D | A | C | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | |
| 2023010431 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | Borrower Income Verification does not match Approval | The borrower income verification does not match approval. FIle is XXXbusiness XXX showing deposits of XX,XXX. Lender quickXXXlc is from April XXX to March XXX. | Received copy of XXX. Confirmed amounts. Exception cleared. | The borrower income verification does match approval | XXX | Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XX years at job. | D | B | C | A | D | B | A | A | C | B | C | C | A | C | D | D | A | C | C | C | A | C | D | D | A | C | D | D | A | C | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | |
| 2023010365 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Credit | Payment shock exceeds lender guidelines | Payment shock of XXX exceeds the lender guidelines tolerance for payment shock. | Client provided a guideline exception allowing for XXX payment shock on a first time home buyer based on the subject being XX below the max LTV and excellent credit history | XXX | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XX is less than the Guideline DTI of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XXX years | C | B | C | B | C | B | C | A | C | A | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |
| 2023010365 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | Appraisal guideline violation | Appraisal guideline violation: PerXXX section X non arm's length transactions not allowed and no exception from lender in file. Appraisal indicates subjectXXXs not listed on the open market and appears to represent a non-arms length transaction between the XXX and long-term tenant. Subjet property is being purchased at XX below appraised value | XXX: Received loe stating that the subject is an arms lenght transaction. XXX selling to tenant does not comprise a non-arms lenght transaction. Reviewed and agree. Exception cleared. | XXX | Appraisal guideline violation is now acceptable. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XX is less than the Guideline DTI of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XXX years | C | B | C | A | C | B | C | A | C | A | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A |
| 2023010365 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | Initial Closing Disclosure Delivery Date Test | This loan failed the initial closing disclosure delivery date test due to one of the following findings:( XX CFR XXX(f)(X)(ii) )The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"XXX Mail" or "XXX" or blank, and the initial closing disclosure delivery date is less than six business days (counting allXXXlendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction or"In Person" and the initial closing disclosure delivery date is less than three business days (counting allXXXlendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting allXXXlendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph XXX no later than three business days before consummation. XXX: Received loe stating that loan closed on XXX, requesting XXXdocumentation showing that loan closed on XXX. Exception stands. Per Disclosure Tracking summary Initial CDXXXs not received X business days prior to closing Received LOX - Closing Disclosure shows Initial CDXXXs received by borrower on XXX. Updated loan accordingly. | Received LOX - Closing Disclosure shows Initial CDXXXs received by borrower on XXX. Updated loan accordingly. | This loan passed the initial closing disclosure delivery date test.( XX CFR XXX(f)(X)(ii) )The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"XXX" or "XXX" or blank, and the initial closing disclosure delivery date is not less than six business days (counting allXXXlendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction or"In Person" and the initial closing disclosure delivery date is not less than three business days (counting allXXXlendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is not less than three business days (counting allXXXlendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction.The creditor shall ensure that the consumer receives the disclosures required under paragraph XXX no later than three business days before consummation. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XX is less than the Guideline DTI of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXXX. Borrower has more than X years at current residence - Borrower at current residence XXX years | C | B | C | A | C | B | C | A | C | A | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |
| 2023010365 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | TRID Monitor Timing of Disclosures Finding | TRID Monitor Timing of Disclosures Finding.This loan contains at least one disclosure that fails one or more of the various disclosure timing provisions in the TILA-RESPA Integrated Disclosure section of Regulation Z. For more information, please see the TILA-RESPA Integrated Disclosure section of the full ComplianceAnalyzer report.While creditors are required to issue disclosures in good faith, the fact that a disclosureXXXs not issued timely may or may not violate Regulation Z if the values are not used to reset tolerance baselines. However, some lenders and secondary market investors may prefer not to fund or buy loans that contain disclosures that were not issued timely under the regulation. XXX: Received loe stating that loan closed on XXX, requesting XXXdocumentation showing that loan closed on XXX. Exception stands. Per Disclosure Tracking summary Initial CDXXXs not received X business days prior to closing Received LOX - Closing Disclosure shows Initial CDXXXs received by borrower on XXX. Updated loan accordingly. | Received LOX - Closing Disclosure shows Initial CDXXXs received by borrower on XXX. Updated loan accordingly. | TRID Monitor Timing of Disclosures Finding.This loan contains disclosures that do not fail one or more of the various disclosure timing provisions in the TILA-RESPA Integrated Disclosure section of Regulation Z. For more information, please see the TILA-RESPA Integrated Disclosure section of the full ComplianceAnalyzer report.While creditors are required to issue disclosures in good faith, the fact that a disclosureXXXs not issued timely may or may not violate Regulation Z if the values are not used to reset tolerance baselines. However, some lenders and secondary market investors may prefer not to fund or buy loans that contain disclosures that were not issued timely under the regulation. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XX is less than the Guideline DTI of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXXX. Borrower has more than X years at current residence - Borrower at current residence XXX years | C | B | C | A | C | B | C | A | C | A | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |
| 2023010053 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Credit | Liquid Reserves are less than Guidelines Required | Short reserves approved by lender. XX LTV vs XX program max cited as compensating factor. The liquid reserves of XX months or XXX, are less than the Guidelines minimum required of XX or XXX. Change severity of 'Liquid Reserves are less than Guidelines Required' from Material to Non-Material. | XXX | Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | C | B | C | B | C | B | A | A | C | A | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||
| 2023010053 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | XXX | Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | C | B | C | A | C | B | A | A | C | A | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||
| 2023010053 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | Consummation or Reimbursement Date Validation Test | 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 reimbursementXXXlculations. Please provide a Valid COC or a Cure for the Title Settlement or Closing Cost Fee in the amount of XXX for the Final CD dated XXX | Received COC dated X/XXXX & XXX. Updating loan accordingly. Per the Initial CD dated X/XXXX where a Title-Settlement FeeXXXs added. We need a CIC for this change. Advised client. | This compliance test 'Consummation or Reimbursement Date Validation Test' is no longer tested 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 reimbursementXXXlculations. | XXX | Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | C | B | C | A | C | B | A | A | C | A | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |
| 2023010053 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | Charges That In TotalXXXnnot Increase More Than Test | This loan failed the charges that in totalXXXnnot increase more than XX test. (XX CFR XXX(e)(X)(ii))The loan contains third-party services that the consumerXXXs permitted to shop for and the charges exceed the good faith tolerance according to XXX(e)(X)(ii). The final charges that in totalXXXnnot increase more than XX (X,XXX) exceed the comparable charges (X,XXX) by more than XX. Please see the table that displays the Charges ThatXXXnnot Increase More Than XX 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 XXX(e)(X)(i) by more than XX 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 XXX(e)(X)(vi). Please provide a Valid COC or a Cure for the Title Settlement or Closing Cost Fee in the amount of XXX for the Final CD dated XXX | Received COC dated X/XXXX & XXX. Updating loan accordingly. Per the Initial CD dated X/XXXX where a Title-Settlement FeeXXXs added. We need a CIC for this change. Advised client. | This loan passed the charges that in totalXXXnnot increase more than XX test. (XX CFR XXX(e)(X)(ii))The loan contains third-party services that the consumerXXXs permitted to shop for and the charges were in good faith according to XXX(e)(X)(ii). The final charges that in totalXXXnnot increase more than XX (X,XXX) do not exceed the comparable charges (X,XXX) by more than XX. Please see the table that displays the Charges ThatXXXnnot Increase More Than XX 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 XXX(e)(X)(i) by more than XX 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 XXX(e)(X)(vi). This loan failed the charges that in totalXXXnnot increase more than XX test. (XX CFR XXX(e)(X)(ii))The loan contains third-party services that the consumerXXXs permitted to shop for and the charges exceed the good faith tolerance according to XXX(e)(X)(ii). The final charges that in totalXXXnnot increase more than XX (X,XXX) exceed the comparable charges (X,XXX) by more than XX. Please see the table that displays the Charges ThatXXXnnot Increase More Than XX 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 XXX(e)(X)(i) by more than XX 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 XXX(e)(X)(vi). This loan failed the charges that in totalXXXnnot increase more than XX test. (XX CFR XXX(e)(X)(ii))The loan contains third-party services that the consumerXXXs permitted to shop for and the charges exceed the good faith tolerance according to XXX(e)(X)(ii). The final charges that in totalXXXnnot increase more than XX (X,XXX) exceed the comparable charges (X,XXX) by more than XX. Please see the table that displays the Charges ThatXXXnnot Increase More Than XX 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 XXX(e)(X)(i) by more than XX 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 XXX(e)(X)(vi). | XXX | Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | C | B | C | A | C | B | A | A | C | A | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |
| 2023010053 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | Reimbursement Amount Test | This loan failed the reimbursement amount test. (XX CFR XXX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances and the provided reimbursement amount of XX, is not sufficient to reimburse the consumer the amount by which the tolerances were exceeded, XXX.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under XXX(e)(X)(i) or (ii), the creditor complies with XXX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation, and the creditor complies with XXX if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XX days after consummation. Please provide a Valid COC or a Cure for the Title Settlement or Closing Cost Fee in the amount of XXX for the Final CD dated XXX | Received COC dated X/XXXX & XXX. Updating loan accordingly. Per the Initial CD dated X/XXXX where a Title-Settlement FeeXXXs added. We need a CIC for this change. Advised client. | This loan passed the reimbursement amount test. (XX CFR XXX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances. However, the provided reimbursement amount of XX, is sufficient to reimburse the consumer the amount by which the tolerances were exceeded, XX.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under XXX(e)(X)(i) or (ii), the creditor complies with XXX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation, and the creditor complies with XXX if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XX days after consummation. This loan failed the reimbursement amount test. (XX CFR XXX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances and the provided reimbursement amount of XX, is not sufficient to reimburse the consumer the amount by which the tolerances were exceeded, XX.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under XXX(e)(X)(i) or (ii), the creditor complies with XXX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation, and the creditor complies with XXX if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XX days after consummation. This loan failed the reimbursement amount test. (XX CFR XXX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances and the provided reimbursement amount of XX, is not sufficient to reimburse the consumer the amount by which the tolerances were exceeded, XXX.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under XXX(e)(X)(i) or (ii), the creditor complies with XXX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation, and the creditor complies with XXX if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XX days after consummation. This loan failed the reimbursement amount test. (XX CFR XXX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances and the provided reimbursement amount of XX, is not sufficient to reimburse the consumer the amount by which the tolerances were exceeded, XXX.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under XXX(e)(X)(i) or (ii), the creditor complies with XXX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation, and the creditor complies with XXX if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XX days after consummation. | XXX | Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | C | B | C | A | C | B | A | A | C | A | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |
| 2023010010 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | Appraisal date is greater than 120 days from Origination date. | Change severity of 'Appraisal date is greater than XXX days from Origination date.' from Material to Non-Material. | Appraisal date is within XXX days of Note date. Correction. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2023010010 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |
XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010006 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Credit | Overdraft/NSF Count Exceeds Tolerance | Borrower has XX NSF in XX-month period. Lender approved exception citing XXX FICO, XXX payment history since inception and XX months reserves post-closing. Change severity of 'Overdraft/NSF Count Exceeds Tolerance' from Material to Non-Material. Change status of 'Overdraft/NSF Count Exceeds Tolerance' from Active to Acknowledged by Client. Overdraft/NSF count exceeds tolerance. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XX is less than the Guideline DTI of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower has stable job time - Borrower has XX years at job. | C | B | C | B | D | B | A | A | A | A | C | D | A | A | C | D | A | A | C | D | A | A | C | D | A | A | C | D | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||
| 2023010006 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |
XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XX is less than the Guideline DTI of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower has stable job time - Borrower has XX years at job. | C | B | C | A | D | B | A | A | A | A | C | D | A | A | C | D | A | A | C | D | A | A | C | D | A | A | C | D | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||
| 2023010008 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | Asset Documents are Incomplete | Cash to close to come fromXXXsh out refinance of investment property on XXX with AOMS. preliminary CD from that transaction is present. Final CD with proof of funds is required as it is not confirmed on the Final CD for the subject loan. Asset Documents are Incomplete: | X/XXXX - Final CD dated X/XXXX for XXX XXX received. Exception cleared. | XXX | XXX | Borrower has more than X years at current residence - Borrower at current residence XX years | C | A | C | A | A | A | A | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2023010008 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |
XXX | Borrower has more than X years at current residence - Borrower at current residence XX years | C | A | C | A | A | A | A | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010002 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Credit | Minimum Trade Line Requirement Not Met | Change status of 'Minimum Trade Line Requirement Not Met' from Active to Acknowledged by Client. Credit exception file tradeline requirements not met. Comp Factors include X pymt shock, pymt staying the same, XX months reserves. Borrower(s) have not met the minimum tradeline requirement per lender guidelines. | Client provided exception approval. | X/XX/XX - Per Credit Risk Summary & Exception Summary report: "Credit: Tradeline requirements not met - XXX months verified. Compensating factors: <X pymt shock, pymt staying the same XX months reserves." Exception acknowledged by client. | XXX | Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower has stable job time - Borrower has XX years at job. | C | B | C | B | A | A | A | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | B | A | A | A | B | A | A | A | B | A | A | A | B | A | A | A | B | A | A | A | |
| 2023010002 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |
XXX | Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower has stable job time - Borrower has XX years at job. | C | B | C | A | A | A | A | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | B | A | A | A | B | A | A | A | B | A | A | A | B | A | A | A | B | A | A | A | |||
| 2023010003 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | Hazard Insurance Coverage is Not Sufficient | Hazard insurance coverage of XXX is not sufficient. The subject loan amount is XXX with the hazard insurance replacement coverage of No and estimated replacement value of XXXX. | Hazard insurance coverage is XXX, the subject loan amount is XXX with the hazard insurance replacement coverage of Yes and estimated replacement value of XXXX. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. | C | A | C | A | A | A | A | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2023010003 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |
XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. | C | A | C | A | A | A | A | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010012 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has stable job time - Borrower has XX years at job. | A | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010012 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |
XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has stable job time - Borrower has XX years at job. | A | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010004 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | A | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010004 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |
XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | A | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010013 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XX years | A | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010013 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |
XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XX years | A | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010121 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | Third Party Valuation Product Not Provided and FHLMC Collateral Rep &XXXrrant Relief is Not Eligible or Unavailable. | Third Party Valuation Product Not Provided and XXX Collateral Rep &XXXrrant Relief is Not Eligible. | Per LenderXXXTPV not required | Per Lender Guidelines, not applicable. CU score is X. Exception cleared. | XXX | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. | D | A | C | A | A | A | D | A | A | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2023010121 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | XXX | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. | D | A | C | A | A | A | D | A | A | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010121 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |
XXX | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. | D | A | C | A | A | A | D | A | A | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010122 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | A | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010122 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |
XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | A | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010117 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Acknowledged | Credit | Housing history does not meet guidelines | The borrower had a property in forebearance from XXX to XXX. The lender has approved the exception, citing the XXX FICO score and the X DSCR as the compensating factors. Change status of 'Housing history does not meet guidelines' from Active to Acknowledged by Client. Change severity of 'Housing history does not meet guidelines' from Material to Non-Material. Housing history does not meet guidelines. | Client provided an exception approval. | The borrower had a property in forebearance from XXX to XXX. The lender has approved the exception, citing the XXX FICO score and the X DSCR as the compensating factors. Change severity of 'Housing history does not meet guidelines' from Material to Non-Material. | XXX | Borrower has more than X years at current residence - Borrower at current residence XX years | C | B | C | B | C | B | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |
| 2023010117 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |
XXX | Borrower has more than X years at current residence - Borrower at current residence XX years | C | B | C | A | C | B | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||
| 2023010369 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | XXX | Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. | A | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010369 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |
XXX | Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. | A | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010370 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | A | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010370 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |
XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | A | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010123 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Credit | Borrower Liabilities Verification Indicator is Partial | Borrower liabilities verified indicator is Partial. The REO properties listed on the final XXX differ slightly from the unexecuted Separation Agreement (p. XXX). Please provide mortgage statements, HOI, property tax statements and HOA/LOE where applicable on the following: Please provide copy of executed Separation agreement approved by the courts. |
X/XX/XX - Copy of note for XXX and XXX XXX provided. Both properties are listed under XXX Hay-XXX. Copy of Separation Agreement from XXX is provided. HOA is not applicable for XXX property and copies of the mortgage statement for XXX and XXX properties provided. All requested information has been verified and cleared. &#xXD X/X/XX - provide mortgage statements, HOI, property tax statements and HOA/LOE where applicable on the following:&#xXD XXX S. XXX Ave. - HOA only if applicable&#xXD XXX XXX.&#xXD XXX XXX XXX.&#xXD XXX XXX Ave.&#xXD Please provide copy of executed Separation agreement approved by the courts. |
XXX | Borrower liabilities verified indicator is Present | XXX | Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XXX years | D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2023010123 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |
XXX | Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XXX years | D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010371 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Property | Third Party Valuation Product Not Provided and CU Score is Greater Than XXX | Per Guidelines Not Applicable Third Party Valuation Product Not Provided and CU Score is XX. Per InvestorXXXshXXXow Guidelines XXX LTV's less than XX at the Underwriters discretion mayXXXive secondary appraisal product requirement. Appears UnderwriterXXXived. Property Purchased withXXXsh XXXX for XXX. Used XXX for LTV/CLTV XXX. | Per Lender G/L TPV not applicable. | XXX | Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XXX years | D | A | C | A | A | A | D | A | A | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2023010371 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | XXX | Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XXX years | D | A | C | A | A | A | D | A | A | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010371 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |
XXX | Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XXX years | D | A | C | A | A | A | D | A | A | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010372 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | Third Party Valuation Product Not Provided and FHLMC Collateral Rep &XXXrrant Relief is Not Eligible or Unavailable. | Third Party Valuation Product Not Provided and XXX Collateral Rep &XXXrrant Relief is Not Eligible. Per Lender Guidelines, not applicable. CU score is X. Exception cleared. | Per Lender G/L TPV not required | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXX are greater than the Guideline Minimum of XX or XXXX. Borrower X has significant job time - Borrower has XX years on job Borrower has stable job time - Borrower has XX years at job. | D | A | C | A | C | A | D | A | A | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2023010372 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | CoBorrower Employment Verification does not meet guidelines | XXXverbal verification of employment within XX days of note date for coborrower. | X/XXX - Received VOE dated XXX showing Co-BwrXXXs employed and remains active. Exception cleared. | XXX | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has stable job time - Borrower has XX years at job. | D | A | C | A | C | A | D | A | A | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2023010372 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |
XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXX are greater than the Guideline Minimum of XX or XXXX. Borrower X has significant job time - Borrower has XX years on job Borrower has stable job time - Borrower has XX years at job. | D | A | C | A | C | A | D | A | A | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010375 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Property | Third Party Valuation Product Not Provided and FHLMC Collateral Rep & Warrant Relief is Not Eligible or Unavailable. | Per guidelines, XXX not required. Loan amoung <XXX. Exception cleared. Third Party Valuation Product Not Provided and XXX Collateral Rep & Warrant Relief is Not Eligible. | Third Party Valuation Product Provided. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. | D | A | C | A | A | A | D | A | D | A | D | A | D | D | D | A | D | D | D | A | D | D | D | A | D | D | D | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2023010375 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. | D | A | C | A | A | A | D | A | D | A | D | A | D | D | D | A | D | D | D | A | D | D | D | A | D | D | D | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010375 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Compliance | Security Instrument Indicator is Missing | The security instrument indicator is Missing | X/XXXX - Recorded Security Instrument dated X/XXXX received. Exception cleared. | XXX | The security instrument indicator is Present | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. | D | A | C | A | A | A | D | A | D | A | D | A | D | D | D | A | D | D | D | A | D | D | D | A | D | D | D | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2023010373 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | Third Party Valuation Product not Provided | Third Party Valuation Product Provided Third Party Valuation Product not Provided to Support Origination Appraised Value within XX. | Per LenderXXXTPV not applicable. | Third Party Valuation Product not Provided to Support Origination Appraised Value within XX. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | D | A | C | A | A | A | D | A | A | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2023010373 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | Third Party Valuation Product Not Provided and CU Score is Greater Than XXX | LendersXXX do not require XXX for loan amounts < XXX Third Party Valuation Product Not Provided and CU Score is XX. | Per Lender G/L TPV not applicable. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | D | A | C | A | A | A | D | A | A | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2023010373 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | Third Party Valuation Product Not Provided and FHLMC Collateral Rep &XXXrrant Relief is Not Eligible or Unavailable. | LendersXXX do not require XXX for loan amounts < XXX Third Party Valuation Product Not Provided and XXX Collateral Rep &XXXrrant Relief is Not Eligible. | Per Lender G/L TPV not applicable. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | D | A | C | A | A | A | D | A | A | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2023010373 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | D | A | C | A | A | A | D | A | A | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010248 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | XXX | Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XXX years | A | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010248 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |
XXX | Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XXX years | A | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010374 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Credit | Loan amount is greater than the maximum loan amount allowed per guidelines | Change status of 'Loan amount is greater than the maximum loan amount allowed per guidelines' from Active to Acknowledged by Client. Change severity of 'Loan amount is greater than the maximum loan amount allowed per guidelines' from Material to Non-Material. Lender approved the loan amount exception citing XXX FICO, XXX on all mortgages, XXX DTI, XX LTV, residual income of XX,XXX per month and XX years employment as compensating factors. Loan amount of XXXXXX is greater than the maximum loan amount allowed per guidelines of XXX. | Client provided exception approval. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXXX are greater than the Guideline Minimum of XX or XXXXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | C | B | C | B | C | B | A | A | C | A | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | ||
| 2023010374 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | Charges ThatXXXnnot Increase Test | This loan failed the charges thatXXXnnot increase test. (XX CFR XXX(e)(X)(i))The loan contains charges that exceed the good faith determination according to XXX(e)(X)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is X,XXX.Please see the Tolerance Comparison Table that displays the Charges ThatXXXnnot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under XXX(e)(X)(i). This loan failed the charges thatXXXnnot increase test. (XX CFR XXX(e)(X)(i))The loan contains charges that exceed the good faith determination according to XXX(e)(X)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is X,XXX.Please see the Tolerance Comparison Table that displays the Charges ThatXXXnnot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under XXX(e)(X)(i). | X/XXXX - Received Refund Check XXX PCCD letter PCCD - with proof documentationXXXs sent. Updating loan to clear exceptions. | This loan passed the charges thatXXXnnot increase test. (XX CFR XXX(e)(X)(i))The loan contains charges that do not exceed the good faith determination according to XXX(e)(X)(i).Please see the Tolerance Comparison Table that displays the Charges ThatXXXnnot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under XXX(e)(X)(i). | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXXX are greater than the Guideline Minimum of XX or XXXXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | C | B | C | A | C | B | A | A | C | A | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |
| 2023010374 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | Charges That In TotalXXXnnot Increase More Than Test | This loan failed the charges that in totalXXXnnot increase more than XX test. (XX CFR XXX(e)(X)(ii))The loan contains third-party services that the consumerXXXs permitted to shop for and the charges exceed the good faith tolerance according to XXX(e)(X)(ii). The final charges that in totalXXXnnot increase more than XX (X,XXX) exceed the comparable charges (XX) by more than XX. Please see the table that displays the Charges ThatXXXnnot Increase More Than XX 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 XXX(e)(X)(i) by more than XX 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 XXX(e)(X)(vi). This loan failed the charges that in totalXXXnnot increase more than XX test. (XX CFR XXX(e)(X)(ii))The loan contains third-party services that the consumerXXXs permitted to shop for and the charges exceed the good faith tolerance according to XXX(e)(X)(ii). The final charges that in totalXXXnnot increase more than XX (X,XXX) exceed the comparable charges (XX) by more than XX. Please see the table that displays the Charges ThatXXXnnot Increase More Than XX 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 XXX(e)(X)(i) by more than XX 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 XXX(e)(X)(vi). The XX tolerance violation in the amount of XXX is due to the increase in the Mortgage Recording fee from XXX on the Loan Estimate to XXX on the Closing Disclosure. Need evidence of COC, PCCD or refund check to the borrower in the amount of XXX. | X/XXXX - Received Refund Check XXX PCCD letter PCCD - with proof documentationXXXs sent. Updating loan to clear exceptions. | XXX | This loan passed the charges that in totalXXXnnot increase more than XX test. (XX CFR XXX(e)(X)(ii))The loan contains third-party services that the consumerXXXs permitted to shop for and the charges were in good faith according to XXX(e)(X)(ii). The final charges that in totalXXXnnot increase more than XX (XXX) do not exceed the comparable charges (XXX) by more than XX. Please see the table that displays the Charges ThatXXXnnot Increase More Than XX 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 XXX(e)(X)(i) by more than XX 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 XXX(e)(X)(vi). A PCCD with a refund in the amount of XXX is needed to cover the increase fees on the Mortgage RecordingXXXlculation. This loan failed the charges that in totalXXXnnot increase more than XX test. (XX CFR XXX(e)(X)(ii))The loan contains third-party services that the consumerXXXs permitted to shop for and the charges exceed the good faith tolerance according to XXX(e)(X)(ii). The final charges that in totalXXXnnot increase more than XX (XXX) exceed the comparable charges (XXX) by more than XX. Please see the table that displays the Charges ThatXXXnnot Increase More Than XX 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 XXX(e)(X)(i) by more than XX 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 XXX(e)(X)(vi). | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXX are greater than the Guideline Minimum of XX or XXXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | C | B | C | A | C | B | A | A | C | A | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A |
| 2023010374 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | Consummation or Reimbursement Date Validation Test | 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 reimbursementXXXlculations. | X/XXXX - Received Refund Check XXX PCCD letter PCCD - with proof documentationXXXs sent. Updating loan to clear exceptions. | XXX | This compliance test 'Consummation or Reimbursement Date Validation Test' is no longer tested A PCCD with a refund in the amount of XXX is needed to cover the increase fees on the Mortgage RecordingXXXlculation. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXX are greater than the Guideline Minimum of XX or XXXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | C | B | C | A | C | B | A | A | C | A | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A |
| 2023010374 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | Initial Loan Estimate Delivery Date Test (from application) | This loan failed the initial loan estimate delivery date test (from application) due to one of the following: ( XX CFR XXX(e)(X)(iii)(A) )The initial loan estimate delivery date is later than the third business day (counting days on which the creditor's offices are open to the public forXXXrrying on substantially all of its business functions) after the creditor or broker receives the consumer's written application.Therefore, if additional disclosures are entered into ComplianceAnalyzer, any values that would change under a valid changed circumstance if the initial loan estimate had been delivered timely, will not reset the baseline for tolerance purposes. The comparable fees for this loan will be X, regardless of the actual values on the disclosure.ThisXXXlculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open forXXXrrying on substantially all of its business functions, as described in §XXX(a)(X) and as it relates to XXX(e)(X)(iii)(A) (initial loan estimate disclosure three business days after application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:As not being open on SundayAs not being open on Veterans Day ( XXX)PLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, ComplianceAnalyzerXXXlculations will presume the company's offices are closed to the public forXXXrrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict.The creditor shall deliver or place in the mail the disclosures required under XXX(e)(X)(i) (provision of loan estimate form) not later than the third business day after the creditor receives the consumer's application. | X/XXXX - Received Refund Check XXX PCCD letter PCCD - with proof documentationXXXs sent. Updating loan to clear exceptions. | This loan passed the initial loan estimate delivery date test (from application).( XX CFR XXX(e)(X)(iii)(A) )The initial loan estimate delivery date is not later than the third business day (counting days on which the creditor's offices are open to the public forXXXrrying on substantially all of its business functions) after the creditor or broker receives the consumer's written application.ThisXXXlculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open forXXXrrying on substantially all of its business functions, as described in §XXX(a)(X) and as it relates to XXX(e)(X)(iii)(A) (initial loan estimate disclosure three business days after application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:NoneThe creditor shall deliver or place in the mail the disclosures required under XXX(e)(X)(i) (provision of loan estimate form) not later than the third business day after the creditor receives the consumer's application. This loan passed the initial loan estimate delivery date test (from application).( XX CFR XXX(e)(X)(iii)(A) )The initial loan estimate delivery date is not later than the third business day (counting days on which the creditor's offices are open to the public forXXXrrying on substantially all of its business functions) after the creditor or broker receives the consumer's written application.ThisXXXlculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open forXXXrrying on substantially all of its business functions, as described in §XXX(a)(X) and as it relates to XXX(e)(X)(iii)(A) (initial loan estimate disclosure three business days after application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:As not being open on SundayPLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, ComplianceAnalyzerXXXlculations will presume the company's offices are closed to the public forXXXrrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict.The creditor shall deliver or place in the mail the disclosures required under XXX(e)(X)(i) (provision of loan estimate form) not later than the third business day after the creditor receives the consumer's application. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXXX are greater than the Guideline Minimum of XX or XXXXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | C | B | C | A | C | B | A | A | C | A | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |
| 2023010374 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | Reimbursement Amount Test | This loan failed the reimbursement amount test. (XX CFR XXX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances and the provided reimbursement amount of XX, is not sufficient to reimburse the consumer the amount by which the tolerances were exceeded, X,XXX.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under XXX(e)(X)(i) or (ii), the creditor complies with XXX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation, and the creditor complies with (f)(X)(i) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XX days after consummation. This loan failed the reimbursement amount test. (XX CFR XXX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances and the provided reimbursement amount of XX, is not sufficient to reimburse the consumer the amount by which the tolerances were exceeded, XXX.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under XXX(e)(X)(i) or (ii), the creditor complies with XXX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation, and the creditor complies with XXX if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XX days after consummation. | X/XXXX - Received Refund Check XXX PCCD letter PCCD - with proof documentationXXXs sent. Updating loan to clear exceptions. | XXX | This loan passed the reimbursement amount test. (XX CFR XXX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances. However, the provided reimbursement amount of XXX, is sufficient to reimburse the consumer the amount by which the tolerances were exceeded, XX.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under XXX(e)(X)(i) or (ii), the creditor complies with XXX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation, and the creditor complies with XXX if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XX days after consummation. A PCCD with a refund in the amount of XXX is needed to cover the increase fees on the Mortgage RecordingXXXlculation. This loan failed the reimbursement amount test. (XX CFR XXX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances and the provided reimbursement amount of XX, is not sufficient to reimburse the consumer the amount by which the tolerances were exceeded, XXX.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under XXX(e)(X)(i) or (ii), the creditor complies with XXX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation, and the creditor complies with XXX if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XX days after consummation. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXX are greater than the Guideline Minimum of XX or XXXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | C | B | C | A | C | B | A | A | C | A | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A |
| 2023010124 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | Third Party Valuation Product Not Provided and CU Score is Greater Than XXX | Per Lender Guidelines, not applicable loan amount is less than XXX. Exception cleared. Third Party Valuation Product Not Provided and CU Score is XX. | Per Lenders G/L TPV not required. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | D | A | C | A | A | A | D | A | A | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2023010124 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | Third Party Valuation Product Not Provided and FHLMC Collateral Rep &XXXrrant Relief is Not Eligible or Unavailable. | Third Party Valuation Product Not Provided and XXX Collateral Rep &XXXrrant Relief is Not Eligible. Per Lender Guidelines, not applicable loan amount is less than XXX. Exception cleared. | Per Lenders G/L TPV not required. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | D | A | C | A | A | A | D | A | A | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2023010124 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | D | A | C | A | A | A | D | A | A | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010124 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |
XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | D | A | C | A | A | A | D | A | A | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010128 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | Third Party Valuation Product not Provided | Third Party Valuation Product not Provided to Support Origination Appraised Value within XX. Third party valuation required with CU Score of X and loan amount XXX. | X/XXXX - AVMXXXs provided in the images. Updating the loan/clearing exception. | XXX | Third Party Valuation Product Provided | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | D | A | C | A | C | A | D | A | A | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2023010128 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | Third Party Valuation Product Not Provided and CU Score is Greater Than 2.X | Third party valuation required with CU Score of X and loan amount XXX. Third Party Valuation Product Not Provided and CU Score is XX. | X/XXXX - AVMXXXs provided in the images. Updating the loan/clearing exception. | XXX | Third Party Valuation Product Provided. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | D | A | C | A | C | A | D | A | A | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2023010128 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | Housing history does not meet guidelines | Housing history does not meet guidelines. No housing history in file for current primary. | X/XXXX - Received LOX stating, "He owned the property heXXXs in prior for X years, and itXXXs free and clear. That propertyXXXs sold XXX and the funds were used to close this new one. We consider a free and clear proeprty owned more than a year to be XXX for a current history." Exception cleared. | XXX | Housing delinquency meets guidelines. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | D | A | C | A | C | A | D | A | A | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2023010128 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |
XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | D | A | C | A | C | A | D | A | A | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010130 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | Third Party Valuation Product Not Provided and FHLMC Collateral Rep &XXXrrant Relief is Not Eligible or Unavailable. | XXX: CU score is <X XXX not required Exception cleared. Third Party Valuation Product Not Provided and XXX Collateral Rep &XXXrrant Relief is Not Eligible. | Per Lender G/L TPV not required | XXX | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | D | A | C | A | C | A | D | A | A | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2023010130 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | Third Party Valuation Product not Provided | XXX: CU score is <X XXX not required Exception cleared. Third Party Valuation Product not Provided to Support Origination Appraised Value within XX. | Per Lender G/L TPV not required | XXX | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | D | A | C | A | C | A | D | A | A | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2023010130 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | Qualifying DTI exceeds Guideline Maximum Allowable | XXX: DTI variance due to lender not including a debt with D XXX XXX w/ monthly payment of XXX. This debt is not listed to be paid off per the final CD dtd XXX. Provide proof of payoff or paydown and/or documentation to support this debt being omitted. Qualifying DTI of XXX exceeds guideline maximum of XXX. | Documentation provided to support Qualifying DTI below XXX. | Documentation provided to support Qualifying DTI below XXX. | XXX | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | D | A | C | A | C | A | D | A | A | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2023010130 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |
XXX | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | D | A | C | A | C | A | D | A | A | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010131 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | XXX | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXXX. Borrower has more than X years at current residence - Borrower at current residence XXX years | A | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010131 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |
XXX | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXXX. Borrower has more than X years at current residence - Borrower at current residence XXX years | A | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010140 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | Third Party Valuation Product Not Provided and CU Score is Greater Than | Third Party Valuation Product Not Provided and CU Score is XX. | Per Lender Guidelines, not applicable loan amount is less than XXX andXXXsh out is less than XXX. Exception cleared. | XXX | Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XX years at job. | D | B | C | A | A | B | D | A | A | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | ||
| 2023010140 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | Third Party Valuation Product Not Provided and FHLMC Collateral Rep & Warrant Relief is Not Eligible or Unavailable. | Third Party Valuation Product Not Provided and XXX Collateral Rep & Warrant Relief is Not Eligible. | Per Lender Guidelines, not applicable loan amount is less than XXX andXXXsh out is less than XXX. Exception cleared. | XXX | Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XX years at job. | D | B | C | A | A | B | D | A | A | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | ||
| 2023010140 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | Appraisal date is greater than days from Origination date. | Appraisal dated XXX is greater than XXX days from Note date of X/XXXX. | Appraisal date is within XXX days of Note date. Appraisal transfer letter page XXX. | XXX | Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XX years at job. | D | B | C | A | A | B | D | A | A | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | ||
| 2023010140 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Credit | Overdraft/NSF Count Exceeds Tolerance | Change status of 'Overdraft/NSF Count Exceeds Tolerance' from Active to Acknowledged by Client. Client provided guideline exception for NSFs based on qualifying credit score of XXX, reduced monthly payment by -XXX, verified reserves of XX months, credit history of X*XX - XX months and LTV of XXX. Overdraft/NSF count exceeds tolerance. | Change severity of 'Overdraft/NSF Count Exceeds Tolerance' from Material to Non-Material. | XXX | Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XX years at job. | D | B | C | B | A | B | D | A | A | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | ||
| 2023010140 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |
XXX | Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XX years at job. | D | B | C | A | A | B | D | A | A | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||
| 2023010377 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | UCDP Summary Report is Missing | The SSR indicator is Missing | The SSR indicator is Present | The SSR indicator is Present X/XXX - The SSR indicator is Missing | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. | D | A | C | A | A | A | D | A | C | A | D | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2023010377 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | Third Party Valuation Product not Provided. | Third Party Valuation Product Provided Third Party Valuation Product not Provided to Support Origination Appraised Value within XX. | Per LenderXXXTPV not required | Third Party Valuation Product Provided - X/XXXX - Copy of FNMA UCDP showing a CU Score of X received. Exception cleared. Third Party Valuation Product not Provided to Support Origination Appraised Value within XX. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. | D | A | C | A | A | A | D | A | C | A | D | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2023010377 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | Third Party Valuation Product not Provided | Third Party Valuation Product not Provided to Support Origination Appraised Value within XX. | Per LenderXXXTPV not required | Third Party Valuation Product Provided - X/XXXX - Copy of FNMA UCDP showing a CU Score of X received. Exception cleared. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. | D | A | C | A | A | A | D | A | C | A | D | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2023010377 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. | D | A | C | A | A | A | D | A | C | A | D | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010377 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | TILA Finance Charge Test | Finance Charge X, XXX and the final CD finance charge is X, XXX. Difference of X,XXX. Unable to determine source of difference. | Provide a updated final CD and confirm the finance charges | This loan passed the TILA finance charge test.( XX CFR XXX(o)(X) )The finance charge is X, XXX. The disclosed finance charge of X, XXX is considered accurate because:It is understated by no more than XXX orIt is greater than the amount required to be disclosed. The final CDXXXs disclosed at X, XXX however, compliance ease has determined the finance charge to be in the amount of X, XXX which is a X,XXX variance. Please note – Title fees are listed in Section B (Services Borrower Did Not Shop For). Provide a updated final CD and confirm the finance charges. |
XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. | D | A | C | A | A | A | D | A | C | A | D | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2023010378 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Property | Appraisal guideline violation | Appraisal guideline violation: Lender's exception for Property- Condo Project Eligibility due to pending litigation regarding a breach of contract that affected one unit of the condo project. Not affecting any other units in completex. Please see the Credit Risk Summary and Exception Approval on Pg XXX | Change severity of 'Appraisal guideline violation' from Material to Non-Material. X/XXXX - CRSE shows client acknowledges: Property - Condo Project Eligibility - All documented Breach of contract and affected one unit. Not affecting any other units in complets. Acknowledged by Client. Change status of 'Appraisal guideline violation' from Active to Acknowledged by Client. | XXX | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | C | B | C | B | A | A | C | B | A | A | C | A | C | A | C | A | C | A | C | A | C | A | C | A | C | A | C | A | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | ||
| 2023010378 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |
XXX | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | C | B | C | A | A | A | C | B | A | A | C | A | C | A | C | A | C | A | C | A | C | A | C | A | C | A | C | A | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||
| 2023010134 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Credit | Liquid Reserves are less than Guidelines Required | Change status of 'Liquid Reserves are less than Guidelines Required' from Active to Acknowledged by Client. Change severity of 'Liquid Reserves are less than Guidelines Required' from Material to Non-Material. ExceptionXXXs given on the credit risk summary for not having X months of reserves based on credit score of DTI , borrower with same business/employer for XX years, reduction in payment, qualifying payment shock. The liquid reserves of XX months or XXX, are less than the Guidelines minimum required of XX or XXX. | Client provided exception approval | Change severity of 'Liquid Reserves are less than Guidelines Required' from Material to Non-Material. ExceptionXXXs given on the credit risk summary for not having X months of reserves based on credit score of DTI , borrower with same business/employer for XX years, reduction in payment, qualifying payment shock. The liquid reserves of XX months or XXX, are less than the Guidelines minimum required of XX or XXX. | XXX | D | B | C | B | D | B | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | ||
| 2023010134 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | Borrower Liabilities Verification Indicator is Partial | Borrower liabilities verified indicator is Partial. Based on the Credit report dated XXX in conjuction with the credit comparison dated XX/XX/ the debts reported total, XXX which is XXX more than what is reported on the XXX and the approval. Final CD only listsXXXliber in the payoff. This results in a DTI variance of XX. While the DTI of XXX does not exceed the guideline parameters, the lower DTI is a factor in approving an exception for insufficient reserves. | X/XXX - Received LOX - "XXX XXX is being paid by the business, there are XX months statements in the file to support and for some reason encompass assigns a XXX per month payment on open trades with no payment." Exception cleared - Liabilities updated. | XXX | Borrower liabilities verified indicator is Present | XXX | D | B | C | A | D | B | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |
| 2023010134 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |
XXX | D | B | C | A | D | B | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | ||||
| 2023010376 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | XXX | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XX years | A | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010376 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |
XXX | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XX years | A | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010379 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Acknowledged | Property | Appraisal guideline violation | Appraisal guideline violation: Approved Exception for square footage <XXX sq ft. Compensating factors: reserves are XXX months and credit history XXX - last XX months. Change severity of 'Appraisal guideline violation' from Material to Non-Material. Change status of 'Appraisal guideline violation' from Active to Acknowledged by Client. | Client provided exception approval | Approved Exception for square footage <XXX sq ft. Compensating factors: reserves are XXX months and credit history XXX - last XX months. Appraisal guideline violation: Change severity of 'Appraisal guideline violation' from Material to Non-Material. Change status of 'Appraisal guideline violation' from Active to Acknowledged by Client. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XX years | C | B | C | B | A | A | C | B | A | A | C | A | C | A | C | A | C | A | C | A | C | A | C | A | C | A | C | A | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |
| 2023010379 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XX years | C | B | C | A | A | A | C | B | A | A | C | A | C | A | C | A | C | A | C | A | C | A | C | A | C | A | C | A | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||
| 2023010379 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |
XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XX years | C | B | C | A | A | A | C | B | A | A | C | A | C | A | C | A | C | A | C | A | C | A | C | A | C | A | C | A | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||
| 2023010136 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | XXX | Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | A | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010136 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |
XXX | Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | A | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010137 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XXX years | A | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010137 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |
XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XXX years | A | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010138 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | Third Party Valuation Product Not Provided and FHLMC Collateral Rep &XXXrrant Relief is Not Eligible or Unavailable. | No third party valuation required for loan amount XXXXX and CU score of X. Third Party Valuation Product Provided. Third Party Valuation Product Not Provided and XXX Collateral Rep &XXXrrant Relief is Not Eligible. | Per LenderXXXTPV not required | Per Lender Guidelines, not applicable loan amount is less than XXX and CU score is X. Exception cleared. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has stable job time - Borrower has XX years at job. | D | B | C | A | C | B | D | A | A | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | D | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |
| 2023010138 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Credit | Liquid Reserves are less than Guidelines Required | Lender requested and received guideline exception for X month reserve assets with less than required documented in file. Compensating factors used for decision were: qualifying credit score of low DTI of XXX, Borrower self employed for X years, and low payment shock. Change severity of 'Liquid Reserves are less than Guidelines Required' from Material to Non-Material. Change status of 'Liquid Reserves are less than Guidelines Required' from Active to Acknowledged by Client. The liquid reserves of XX months or XXX, are less than the Guidelines minimum required of XX or XXX. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has stable job time - Borrower has XX years at job. | D | B | C | B | C | B | D | A | A | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | D | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||
| 2023010138 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |
XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has stable job time - Borrower has XX years at job. | D | B | C | A | C | B | D | A | A | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | D | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||
| 2023010380 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | Third Party Valuation Product Not Provided and FHLMC Collateral Rep &XXXrrant Relief is Not Eligible or Unavailable. | Per guidelines, XXX not required. CU Score is X. Exception cleared. Third Party Valuation Product Not Provided and XXX Collateral Rep &XXXrrant Relief is Not Eligible. | Per Lender G/L TPV not required | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | D | A | C | A | C | A | D | A | A | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2023010380 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | Hazard Insurance Effective Date is after the Note Date | The hazard insurance effective date of X/XXXX is after the note date of XXX | X/XXXX - Received LOX attesting no claims were placed on the property between consummation date and effective date of policy. Updating to clear exception. | XXX | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | D | A | C | A | C | A | D | A | A | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2023010380 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |
XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years | D | A | C | A | C | A | D | A | A | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010394 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Borrower has stable job time - Borrower has XX years at job. | A | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010394 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |
XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Borrower has stable job time - Borrower has XX years at job. | A | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010142 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | XXX | Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XXX years | A | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010142 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |
XXX | Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XXX years | A | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010115 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |
XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. | C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010115 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | Hazard Insurance Coverage is Not Sufficient | Hazard insurance coverage of XXX is not sufficient. The subject loan amount is XXX with the hazard insurance replacement coverage of No and estimated replacement value of XXX. Hazard coverage in the amount of XXX is sufficient to cover the reconstruction cost of XXX as provided by the insurance company. The policy also provides for up to an additonal XXX in coverage if needed. Exception Cleared. | Cleared during QC | Hazard insurance coverage is XXX, the subject loan amount is XXX with the hazard insurance replacement coverage of Yes and estimated replacement value of XXX. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. | C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2023010115 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | Liquid Reserves are less than Guidelines Required | The Credit Risk Summary and Exception approval shows that the borrower has only X months of reserves, but the exception has not been approved. The liquid reserves of XX months or XXX, are less than the Guidelines minimum required of XX or XXX. | LOX received explaining what assets were utilized in theXXXlculation. Client used the XXX as the Verified Assets. Updating assets to reflect this information and clear exception. | LOX received explaining what assets were utilized in theXXXlculation. Client used the XXX as the Verified Assets. Updating assets to reflect this information and clear exception. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum -XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum -XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. | C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2023010411 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Credit | Borrower Employment Verification does not meet guidelines | This is an ICF loan and there is no employment information on the final XXX. It does show that the email address of the Borrower is the same as the Lender's name. Please provide documentation that this is an Arms-length transaction. | X/XXX - Per AO : Ok, however since it is a refi and there is nothing that states a borrowerXXXnnot work for the lender, this condition is moot. Or am I XXXsomething. and Please provide documentation that shows borrowers email on the XXX. I only see the LO’s email information. Also this is aXXXsh out refi. There is nothing in our guide lines that state a borrowerXXXnnot work the lender. Exception cleared. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXXX. Borrower has more than X years at current residence - Borrower at current residence XX years | C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2023010411 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |
XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXXX. Borrower has more than X years at current residence - Borrower at current residence XX years | C | A | A | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2023010418 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan ( XX CFR XXX(a)(X) )The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate by or more orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate by or more orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate by or more. Informational exception - no action needed Lender Acknowledged HPML Disclosure Escrow account established and appraisal reciept acknowledged within X days. | Lender Acknowledged HPML Disclosure Escrow account established and appraisal reciept acknowledged within X days. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXXX. Borrower X has significant job time - Borrower has XX years on job Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XX years at job. | D | B | C | B | A | A | D | A | C | B | D | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | ||
| 2023010418 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXXX. Borrower X has significant job time - Borrower has XX years on job Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XX years at job. | D | B | A | A | A | A | D | A | C | B | D | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |||
| 2023010418 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | Third Party Valuation Product Not Provided and FHLMC Collateral Rep &XXXrrant Relief is Not Eligible or Unavailable. | Third Party Valuation Product Not Provided and XXX Collateral Rep &XXXrrant Relief is Not Eligible. Xrd party valuation is required as loan amount exceeds XXX,XXX. Lender to provide. | Per Lender Guidelines, not applicable. CU score is X. Exception cleared. Third Party Valuation Product not required due to CU Score | Third Party Valuation Product Provided. Third Party Valuation Product Provided. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXXX. Borrower X has significant job time - Borrower has XX years on job Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XX years at job. | D | B | D | A | A | A | D | A | C | B | D | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |
| 2023010418 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | Initial Closing Disclosure Delivery Date Test | This loan failed the initial closing disclosure delivery date test due to one of the following findings:( XX CFR XXX(f)(X)(ii) )The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"XXX Mail" or "XXX" or blank, and the initial closing disclosure delivery date is less than six business days (counting allXXXlendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction or"In Person" and the initial closing disclosure delivery date is less than three business days (counting allXXXlendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting allXXXlendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph XXX no later than three business days before consummation. File XXXthe Initial CD | Change status of 'Initial Closing Disclosure Delivery Date Test' from Active to OpenXXX. Initial CD dated X/XXXX received. Updating loan. File XXXthe Initial CD |
XXX | This loan passed the initial closing disclosure delivery date test.( XX CFR XXX(f)(X)(ii) )The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"XXX" or "XXX" or blank, and the initial closing disclosure delivery date is not less than six business days (counting allXXXlendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction or"In Person" and the initial closing disclosure delivery date is not less than three business days (counting allXXXlendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is not less than three business days (counting allXXXlendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction.The creditor shall ensure that the consumer receives the disclosures required under paragraph XXX no later than three business days before consummation. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XX years at job. | D | B | C | A | A | A | D | A | C | B | D | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B |
| 2023010421 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Compliance | XXX Higher-Priced Mortgage Loan Finding | Lender Acknowledged HPML Disclosure Escrow account established, and appraisal receipt acknowledged within X days. This loan is a higher-priced mortgage loan. ( Maryland COMAR XXXXB(XX) , COMAR XXXXB(X) ) The loan is a higher-priced mortgage loan as defined in the Code of Maryland Regulations (COMAR) due the following findings: The loan is a closed-end loan with a closing date, or date creditor received application (formerly application date) if closing date is unknown, on or after the effective date of XXX andThe loan is a first lien and the APR exceeds the Average Prime Offer Rate by or more orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate by or more. For information on higher-priced mortgage loans, please see the XXX Higher-Priced Mortgage Loan Alerts below. Change severity of 'XXX Higher-Priced Mortgage Loan Finding' from Material to Non-Material. |
XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. | C | B | C | B | A | A | A | A | C | B | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |||
| 2023010421 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan ( XX CFR XXX(a)(X) )The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate by or more orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate by or more orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate by or more. Higher-Priced Mortgage Loan ( XX CFR XXX(a)(X) )The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate by or more orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate by or more orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate by or more. | Escrow account established, and appraisal receipt acknowledged within X days | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. | C | B | C | B | A | A | A | A | C | B | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | ||
| 2023010421 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. | C | B | A | A | A | A | A | A | C | B | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |||
| 2023010420 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Compliance | Higher-Priced Mortgage Loan | Lender Acknowledged HPML Disclosure Escrow account established, and appraisal receipt acknowledged within X days. Change severity of 'Higher-Priced Mortgage Loan' from Material to Non-Material. Higher-Priced Mortgage Loan ( XX CFR XXX(a)(X) )The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate by or more orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate by or more orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate by or more. | Change severity of 'Higher-Priced Mortgage Loan' from Material to Non-Material. | XXX | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. | C | B | C | B | A | A | A | A | C | B | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | ||
| 2023010420 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Calculated DTI is Less than the Guideline Maximum -XXXlculated DTI of XX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. | C | B | A | A | A | A | A | A | C | B | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | ||||
| 2023010624 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | FICO exceeds guidelines - The FICO of XXX exceeds guidelines of ___ Borrower has significant job time - Borrower has been on job XXX years. Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XXX years at job. Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXXX are greater than the Guideline Minimum of XXX. | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||||
| 2023010624 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |
FICO exceeds guidelines - The FICO of XXX exceeds guidelines of ___ Borrower has significant job time - Borrower has been on job XXX years. Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XXX years at job. Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXXX are greater than the Guideline Minimum of XXX. | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||||