Exhibit 99.1 Schedule 2

 

Exception Grades

 

AMC Loan ID Customer Loan ID Edgar Loan ID Investor Loan Number Loan Exception ID Exception ID Exception Date Exception Type Exception Category Exception Subcategory 15E Category Exception Exception Detail Exception Information Compensating Factors Compensating Factor Information Applying Party Follow-up Comments Cleared Date Cured Date Waived Date Exception Level Grade Exception Level Rating Note Date Property State Occupancy Purpose Exception Remediation Overall
Final Loan Grade		 Credit
Final Loan Grade		 Compliance
Final Loan Grade		 Property
Final Loan Grade		 Originator QM ATR Status TPR QM ATR Status Is Curable
XXXX XXXX PRPM 2025-RPL4-100000   26205982 XXXX XX/XX/XXXX Compliance Compliance Federal Compliance RESPA RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.                 2 B XX/XX/XXXX XX Primary Refinance - Cash-out - Debt Consolidation   B   B       No
XXXX XXXX PRPM 2025-RPL4-100000   26205983 XXXX XX/XX/XXXX Compliance Compliance Federal Compliance Missing Required Data (other than HUD-1 or Note) (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.                 2 B XX/XX/XXXX XX Primary Refinance - Cash-out - Debt Consolidation   B   B       No
XXXX XXXX PRPM 2025-RPL4-100001   26206024 XXXX XX/XX/XXXX Compliance Compliance Federal Compliance TILA Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $132,192.00 is underdisclosed from calculated Finance Charge of $132,278.06 in the amount of $86.06. Itemization did not disclose the recording fee of $71 as prepaid finance charges               2 B XX/XX/XXXX XX Primary Refinance - Cash-out - Debt Consolidation TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B   B       No
XXXX XXXX PRPM 2025-RPL4-100002   26206054 XXXX XX/XX/XXXX Compliance Compliance Federal Compliance Missing Application Date Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.  The final date used for testing was XX/XX/XXXX                 2 B XX/XX/XXXX XX Primary Refinance - Cash-out - Other   B   B       No
XXXX XXXX PRPM 2025-RPL4-100002   26206055 XXXX XX/XX/XXXX Compliance Compliance Federal Compliance TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.                 2 B XX/XX/XXXX XX Primary Refinance - Cash-out - Other TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B   B       No
XXXX XXXX PRPM 2025-RPL4-100002   26206056 XXXX XX/XX/XXXX Compliance Compliance Federal Compliance Missing, Incorrect, or Incomplete Final TIL TILA - Final TIL Missing Missing Final TIL.                 2 B XX/XX/XXXX XX Primary Refinance - Cash-out - Other   B   B       No
XXXX XXXX PRPM 2025-RPL4-100002   26206058 XXXX XX/XX/XXXX Compliance Compliance Miscellaneous Compliance Missing, Incorrect, or Incomplete GFE (Doc Error) Initial GFE not provided                   2 B XX/XX/XXXX XX Primary Refinance - Cash-out - Other   B   B       No
XXXX XXXX PRPM 2025-RPL4-100002   26206059 XXXX XX/XX/XXXX Compliance Property - Appraisal General Appraisal Requirements LTV Test Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.                   2 B XX/XX/XXXX XX Primary Refinance - Cash-out - Other   B   B       No
XXXX XXXX PRPM 2025-RPL4-100003   26206067 XXXX XX/XX/XXXX Compliance Compliance Federal Compliance Missing Application Date Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.  The final date used for testing was XX/XX/XXXX                 2 B XX/XX/XXXX XX Primary Purchase   B   B       No
XXXX XXXX PRPM 2025-RPL4-100004   26206087 XXXX XX/XX/XXXX Compliance Compliance Federal Compliance Missing Application Date Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.  The final date used for testing was XX/XX/XXXX                 2 B XX/XX/XXXX XX Primary Refinance - Rate/Term   B   B       No
XXXX XXXX PRPM 2025-RPL4-100005   26206082 XXXX XX/XX/XXXX Compliance Compliance Federal Compliance TILA Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $52,452.71 is underdisclosed from calculated Finance Charge of $52,766.41 in the amount of $313.70. Unable to determine under disclosure due to missing Itemization of Amount Financed.               2 B XX/XX/XXXX XX Primary Refinance - Cash-out - Other TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B   B       No
XXXX XXXX PRPM 2025-RPL4-100006   26206086 XXXX XX/XX/XXXX Compliance Compliance Federal Compliance Missing Application Date Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.  The final date used for testing was XX/XX/XXXX                 2 B XX/XX/XXXX XX Primary Purchase   B   B       No
XXXX XXXX PRPM 2025-RPL4-100007   26206200 XXXX XX/XX/XXXX Compliance Compliance Federal Compliance Missing Application Date Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.  The final date used for testing was XX/XX/XXXX                 2 B XX/XX/XXXX XX Primary Purchase   B   B       No
XXXX XXXX PRPM 2025-RPL4-100008   26206298 XXXX XX/XX/XXXX Compliance Compliance Federal Compliance RESPA RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing Unable to test Affiliated Business Disclosure due to missing information.                 2 B XX/XX/XXXX XX Primary Refinance - Cash-out - Other   B   B       No
XXXX XXXX PRPM 2025-RPL4-100009   26206308 XXXX XX/XX/XXXX Compliance Compliance Federal Compliance Missing Application Date Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.  The final date used for testing was XX/XX/XXXX                 2 B XX/XX/XXXX XX Primary Purchase   B   B       No
XXXX XXXX PRPM 2025-RPL4-100009   26206309 XXXX XX/XX/XXXX Compliance Compliance Federal Compliance RESPA RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.                 2 B XX/XX/XXXX XX Primary Purchase   B   B       No
XXXX XXXX PRPM 2025-RPL4-100010   26206359 XXXX XX/XX/XXXX Compliance Compliance Federal Compliance Missing Application Date Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.  The final date used for testing was XX/XX/XXXX                 2 B XX/XX/XXXX XX Primary Refinance - Cash-out - Debt Consolidation   B   B       No
XXXX XXXX PRPM 2025-RPL4-100011   26206388 XXXX XX/XX/XXXX Compliance Compliance Federal Compliance TILA Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $260,247.04 is underdisclosed from calculated Finance Charge of $260,508.49 in the amount of $261.45. TIL itemization did not disclose an settlement closing  fee of $120 or a processing fee of $150 as prepaid finance charges               2 B XX/XX/XXXX XX Primary Refinance - Rate/Term TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B   B       No
XXXX XXXX PRPM 2025-RPL4-100013   26206468 XXXX XX/XX/XXXX Compliance Compliance Miscellaneous Compliance Missing, Incorrect, or Incomplete GFE (Doc Error) Initial GFE not provided                   2 B XX/XX/XXXX XX Primary Refinance - Rate/Term   B   B       No
XXXX XXXX PRPM 2025-RPL4-100013   26206469 XXXX XX/XX/XXXX Compliance Compliance Federal Compliance Missing Application Date Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.  The final date used for testing was XX/XX/XXXX                 2 B XX/XX/XXXX XX Primary Refinance - Rate/Term   B   B       No
XXXX XXXX PRPM 2025-RPL4-100013   26206470 XXXX XX/XX/XXXX Compliance Compliance Federal Compliance TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.                 2 B XX/XX/XXXX XX Primary Refinance - Rate/Term TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B   B       No
XXXX XXXX PRPM 2025-RPL4-100013   26206471 XXXX XX/XX/XXXX Compliance Compliance Federal Compliance Final TIL Estimated Final TIL Estimated Final TIL disclosure found in file had markings indicating one or more entries are estimates.                 2 B XX/XX/XXXX XX Primary Refinance - Rate/Term   B   B       No
XXXX XXXX PRPM 2025-RPL4-100013   26206472 XXXX XX/XX/XXXX Compliance Compliance Federal Compliance TILA Final TIL Not Provided to Borrower At or Before Consummation Truth in Lending Act: Final TIL was not provided to the borrower by closing.                 2 B XX/XX/XXXX XX Primary Refinance - Rate/Term   B   B       No
XXXX XXXX PRPM 2025-RPL4-100014   26206479 XXXX XX/XX/XXXX Compliance Compliance Federal Compliance FACTA FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.                 2 B XX/XX/XXXX XX Primary Refinance - Rate/Term   B   B       No
XXXX XXXX PRPM 2025-RPL4-100014   26206480 XXXX XX/XX/XXXX Compliance Compliance Federal Compliance Missing Required Data (other than HUD-1 or Note) Payoff Statement Missing Missing Payoff Statement: Unable to determine if a prepayment penalty was included in the pay-off which may impact high cost findings.                 2 B XX/XX/XXXX XX Primary Refinance - Rate/Term   B   B       No
XXXX XXXX PRPM 2025-RPL4-100014   26206481 XXXX XX/XX/XXXX Compliance Compliance Miscellaneous Compliance Missing, Incorrect, or Incomplete GFE (Doc Error) Initial GFE not provided                   2 B XX/XX/XXXX XX Primary Refinance - Rate/Term   B   B       No
XXXX XXXX PRPM 2025-RPL4-100015   26206495 XXXX XX/XX/XXXX Compliance Compliance Miscellaneous Compliance Missing, Incorrect, or Incomplete GFE (Doc Error) Initial GFE not provided                   2 B XX/XX/XXXX XX Primary Refinance - Cash-out - Other   B   B       No
XXXX XXXX PRPM 2025-RPL4-100015   26206496 XXXX XX/XX/XXXX Compliance Compliance Federal Compliance FACTA Federal FACTA Disclosure Timing Test FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.                 2 B XX/XX/XXXX XX Primary Refinance - Cash-out - Other   B   B       No
XXXX XXXX PRPM 2025-RPL4-100015   26206497 XXXX XX/XX/XXXX Compliance Compliance Federal Compliance Missing Application Date Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of XX/XX/XXXX which is 0 months prior to consummation. A lookback was performed to determine this application date.  The final date used for testing was XX/XX/XXXX                 2 B XX/XX/XXXX XX Primary Refinance - Cash-out - Other   B   B       No
XXXX XXXX PRPM 2025-RPL4-100015   26206498 XXXX XX/XX/XXXX Compliance Compliance Federal Compliance TILA ARM Disclosure Prior to Closing Timing TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.                 2 B XX/XX/XXXX XX Primary Refinance - Cash-out - Other   B   B       No
XXXX XXXX PRPM 2025-RPL4-100016   26206513 XXXX XX/XX/XXXX Compliance Compliance Federal Compliance Missing Required Data (other than HUD-1 or Note) Payoff Statement Missing Missing Payoff Statement: Unable to determine if a prepayment penalty was included in the pay-off which may impact high cost findings.                 2 B XX/XX/XXXX XX Primary Refinance - Cash-out - Other   B   B       No
XXXX XXXX PRPM 2025-RPL4-100016   26206514 XXXX XX/XX/XXXX Compliance Compliance Federal Compliance TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form Right of Rescission Timing - Receipt Date Missing Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.                 2 B XX/XX/XXXX XX Primary Refinance - Cash-out - Other TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission B   B       No
XXXX XXXX PRPM 2025-RPL4-100016   26206515 XXXX XX/XX/XXXX Compliance Loan Package Documentation Closing / Title Loan Package Documentation (Doc Error) TIL Error: Borrower signature not dated.                   2 B XX/XX/XXXX XX Primary Refinance - Cash-out - Other   B   B       No
XXXX XXXX PRPM 2025-RPL4-100017   26206516 XXXX XX/XX/XXXX Compliance Compliance Federal Compliance FACTA Federal FACTA Disclosure Timing Test FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.                 2 B XX/XX/XXXX XX Primary Purchase   B   B       No
XXXX XXXX PRPM 2025-RPL4-100018   26206523 XXXX XX/XX/XXXX Compliance Compliance State Compliance State Defect Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File Massachusetts Home Loan: No evidence in loan file of document or worksheet indicating how the lender determined that the home loan is in the borrower's interest.                 2 B XX/XX/XXXX XX Primary Refinance - Cash-out - Other   B   B       No
XXXX XXXX PRPM 2025-RPL4-100019   26206582 XXXX XX/XX/XXXX Compliance Compliance Federal Compliance Missing Application Date Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.  The final date used for testing was XX/XX/XXXX                 2 B XX/XX/XXXX XX Primary Refinance - Rate/Term   B   B       No
XXXX XXXX PRPM 2025-RPL4-100019   26206584 XXXX XX/XX/XXXX Compliance Compliance Federal Compliance TILA Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $545,065.27 is underdisclosed from calculated Finance Charge of $545,820.23 in the amount of $754.96. The Lender's TIL reflects MI dropping off after 180 months, however, the audited TIL indicates MI should drop off after 195 months.               2 B XX/XX/XXXX XX Primary Refinance - Rate/Term TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B   B       No
XXXX XXXX PRPM 2025-RPL4-100021   26206611 XXXX XX/XX/XXXX Compliance Compliance Federal Compliance FACTA Federal FACTA Disclosure Timing Test FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.                 2 B XX/XX/XXXX XX Primary Refinance - Cash-out - Debt Consolidation   B   B       No
XXXX XXXX PRPM 2025-RPL4-100021   26206612 XXXX XX/XX/XXXX Compliance Compliance Federal Compliance Missing Application Date Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.  The final date used for testing was XX/XX/XXXX                 2 B XX/XX/XXXX XX Primary Refinance - Cash-out - Debt Consolidation   B   B       No
XXXX XXXX PRPM 2025-RPL4-100021   26206613 XXXX XX/XX/XXXX Compliance Compliance Federal Compliance RESPA RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.                 2 B XX/XX/XXXX XX Primary Refinance - Cash-out - Debt Consolidation   B   B       No
XXXX XXXX PRPM 2025-RPL4-100021   26206614 XXXX XX/XX/XXXX Compliance Compliance Federal Compliance RESPA RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.                 2 B XX/XX/XXXX XX Primary Refinance - Cash-out - Debt Consolidation   B   B       No
XXXX XXXX PRPM 2025-RPL4-100022   26206649 XXXX XX/XX/XXXX Compliance Compliance Federal Compliance Missing Application Date Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.  The final date used for testing was XX/XX/XXXX                 2 B XX/XX/XXXX XX Primary Purchase   B   B       No
XXXX XXXX PRPM 2025-RPL4-100023   26206690 XXXX XX/XX/XXXX Compliance Compliance State Compliance State Late Charge New York Late Charge Percent Testing Note late charge exceeds maximum per state. 5% late charge exceeds 2% maximum per state (NY).               2 B XX/XX/XXXX XX Primary Purchase   B   B       No
XXXX XXXX PRPM 2025-RPL4-100023   26206691 XXXX XX/XX/XXXX Compliance Compliance Federal Compliance TILA Final TIL APR Under/Over Disclosed By Greater Than 0.125% Truth In Lending Act:  Final TIL APR of 8.61870% is underdisclosed from calculated APR of 8.86697% outside of 0.125% tolerance.                 2 B XX/XX/XXXX XX Primary Purchase TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, corrected TIL Disclosure, and Re-open Rescission if Applicable B   B       No
XXXX XXXX PRPM 2025-RPL4-100023   26206692 XXXX XX/XX/XXXX Compliance Compliance Federal Compliance TILA Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $184,005.82 is underdisclosed from calculated Finance Charge of $188,339.09 in the amount of $4,333.27. The Lender's TIL reflects MI dropping off after 119 months, however, the audited TIL indicates MI should drop off after 153 months.               2 B XX/XX/XXXX XX Primary Purchase TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B   B       No
XXXX XXXX PRPM 2025-RPL4-100024   26206711 XXXX XX/XX/XXXX Compliance Compliance Federal Compliance Missing Application Date Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.  The final date used for testing was XX/XX/XXXX                 2 B XX/XX/XXXX XX Primary Purchase   B   B       No
XXXX XXXX PRPM 2025-RPL4-100025   26206746 XXXX XX/XX/XXXX Compliance Compliance State Compliance Misc. State Level Colorado Consumer Credit Code (First Lien Refinance Notice Not Provided) Colorado Consumer Credit Code: Borrower not provided First Lien Refinance Notice.                 2 B XX/XX/XXXX XX Primary Refinance - Rate/Term   B   B       No
XXXX XXXX PRPM 2025-RPL4-100028   26206779 XXXX XX/XX/XXXX Compliance Compliance Miscellaneous Compliance Missing, Incorrect, or Incomplete GFE (Doc Error) Initial GFE not provided                   2 B XX/XX/XXXX XX Primary Purchase   B   B       No
XXXX XXXX PRPM 2025-RPL4-100028   26206780 XXXX XX/XX/XXXX Compliance Compliance Federal Compliance Missing, Incorrect, or Incomplete Final TIL TILA - Final TIL Missing Missing Final TIL.                 2 B XX/XX/XXXX XX Primary Purchase   B   B       No
XXXX XXXX PRPM 2025-RPL4-100031   26206853 XXXX XX/XX/XXXX Compliance Compliance Miscellaneous Compliance Missing, Incorrect, or Incomplete GFE (Doc Error) Initial GFE not provided                   2 B XX/XX/XXXX XX Primary Refinance - Cash-out - Debt Consolidation   B   B       No
XXXX XXXX PRPM 2025-RPL4-100031   26206854 XXXX XX/XX/XXXX Compliance Compliance Federal Compliance Missing Application Date Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.  The final date used for testing was XX/XX/XXXX                 2 B XX/XX/XXXX XX Primary Refinance - Cash-out - Debt Consolidation   B   B       No
XXXX XXXX PRPM 2025-RPL4-100031   26206855 XXXX XX/XX/XXXX Compliance Compliance Federal Compliance Missing Required Data (other than HUD-1 or Note) (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.                 2 B XX/XX/XXXX XX Primary Refinance - Cash-out - Debt Consolidation   B   B       No
XXXX XXXX PRPM 2025-RPL4-100032   26206864 XXXX XX/XX/XXXX Compliance Compliance Federal Compliance Missing Application Date Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.  The final date used for testing was XX/XX/XXXX                 2 B XX/XX/XXXX XX Primary Purchase   B   B       No
XXXX XXXX PRPM 2025-RPL4-100032   26206865 XXXX XX/XX/XXXX Compliance Compliance Federal Compliance FACTA FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.                 2 B XX/XX/XXXX XX Primary Purchase   B   B       No
XXXX XXXX PRPM 2025-RPL4-100033   26206882 XXXX XX/XX/XXXX Compliance Compliance Federal Compliance Missing Application Date Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.  The final date used for testing was XX/XX/XXXX                 2 B XX/XX/XXXX XX Primary Purchase   B   B       No
XXXX XXXX PRPM 2025-RPL4-100034   26206915 XXXX XX/XX/XXXX Compliance Compliance Federal Compliance Missing Application Date Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of XX/XX/XXXX which is 0 months prior to consummation. A lookback was performed to determine this application date.  The final date used for testing was XX/XX/XXXX                 2 B XX/XX/XXXX XX Primary Purchase   B   B       No
XXXX XXXX PRPM 2025-RPL4-100035   26206926 XXXX XX/XX/XXXX Compliance Compliance Federal Compliance Missing Application Date Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.  The final date used for testing was XX/XX/XXXX                 2 B XX/XX/XXXX XX Primary Purchase   B   B       No
XXXX XXXX PRPM 2025-RPL4-100036   26206928 XXXX XX/XX/XXXX Compliance Compliance State Compliance State Late Charge Massachusetts Late Charge Percent Testing Note late charge exceeds maximum per state. Late charge of 5% for 15 days exceed maximum of 3% for state of MA               2 B XX/XX/XXXX XX Primary Purchase   B   B       No
XXXX XXXX PRPM 2025-RPL4-100037   26206935 XXXX XX/XX/XXXX Compliance Compliance Federal Compliance Missing Application Date Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.  The final date used for testing was XX/XX/XXXX                 2 B XX/XX/XXXX XX Primary Purchase   B   B       No
XXXX XXXX PRPM 2025-RPL4-100038   26206942 XXXX XX/XX/XXXX Compliance Compliance Federal Compliance Missing Application Date Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.  The final date used for testing was XX/XX/XXXX                 2 B XX/XX/XXXX XX Primary Purchase   B   B       No
XXXX XXXX PRPM 2025-RPL4-100039   26207033 XXXX XX/XX/XXXX Compliance Compliance Federal Compliance Missing Application Date Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.  The final date used for testing was XX/XX/XXXX                 2 B XX/XX/XXXX XX Primary Purchase   B   B       No
XXXX XXXX PRPM 2025-RPL4-100039   26207035 XXXX XX/XX/XXXX Compliance Compliance Miscellaneous Compliance Missing, Incorrect, or Incomplete GFE (Doc Error) Initial GFE not provided                   2 B XX/XX/XXXX XX Primary Purchase   B   B       No
XXXX XXXX PRPM 2025-RPL4-100039   26207036 XXXX XX/XX/XXXX Compliance Compliance Federal Compliance FACTA FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.                 2 B XX/XX/XXXX XX Primary Purchase   B   B       No
XXXX XXXX PRPM 2025-RPL4-100040   26207074 XXXX XX/XX/XXXX Compliance Compliance Federal Compliance FACTA FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.                 2 B XX/XX/XXXX XX Primary Refinance - Cash-out - Debt Consolidation   B   B       No
XXXX XXXX PRPM 2025-RPL4-100040   26207075 XXXX XX/XX/XXXX Compliance Compliance Federal Compliance RESPA RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.                 2 B XX/XX/XXXX XX Primary Refinance - Cash-out - Debt Consolidation   B   B       No
XXXX XXXX PRPM 2025-RPL4-100040   26207076 XXXX XX/XX/XXXX Compliance Compliance Federal Compliance TILA Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $133,900.03 is underdisclosed from calculated Finance Charge of $134,222.24 in the amount of $322.21. Unable to determine under disclosure due to missing itemization of amount financed.               2 B XX/XX/XXXX XX Primary Refinance - Cash-out - Debt Consolidation TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B   B       No
XXXX XXXX PRPM 2025-RPL4-100042   26207133 XXXX XX/XX/XXXX Compliance Compliance Federal Compliance Missing Application Date Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.  The final date used for testing was XX/XX/XXXX                 2 B XX/XX/XXXX XX Primary Purchase   B   B       No
XXXX XXXX PRPM 2025-RPL4-100043   26207148 XXXX XX/XX/XXXX Compliance Compliance Federal Compliance Missing Application Date Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.  The final date used for testing was XX/XX/XXXX                 2 B XX/XX/XXXX XX Primary Purchase   B   B       No
XXXX XXXX PRPM 2025-RPL4-100045   26207162 XXXX XX/XX/XXXX Compliance Compliance State Compliance Misc. State Level Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided Timely) Michigan Consumer Mortgage Protection Act:  Borrower Bill of Rights disclosure not provided to borrower at the time of application.                 2 B XX/XX/XXXX XX Primary Refinance - Rate/Term   B   B       No
XXXX XXXX PRPM 2025-RPL4-100045   26207163 XXXX XX/XX/XXXX Compliance Compliance State Compliance Misc. State Level Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided Timely Michigan Consumer Mortgage Protection Act:  Consumer Caution and Home Ownership Counseling Notice not provided to borrower at the time of application.                 2 B XX/XX/XXXX XX Primary Refinance - Rate/Term   B   B       No
XXXX XXXX PRPM 2025-RPL4-100045   26207164 XXXX XX/XX/XXXX Compliance Compliance State Compliance Misc. State Level Michigan Consumer Mortgage Protection Act (Counseling Agencies List) Michigan Consumer Mortgage Protection Act:  List of HUD-approved credit counseling agencies not provided to borrower.                 2 B XX/XX/XXXX XX Primary Refinance - Rate/Term   B   B       No
XXXX XXXX PRPM 2025-RPL4-100045   26207165 XXXX XX/XX/XXXX Compliance Compliance Federal Compliance TILA Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $251,839.82 is underdisclosed from calculated Finance Charge of $251,896.79 in the amount of $56.97. TIL Itemization did not disclose the Sub recoding fee of $17, Courier $40 and wire fee $25  as prepaid finance charges               2 B XX/XX/XXXX XX Primary Refinance - Rate/Term TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B   B       No
XXXX XXXX PRPM 2025-RPL4-100047   26207203 XXXX XX/XX/XXXX Compliance Compliance Federal Compliance Missing Application Date Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.  The final date used for testing was XX/XX/XXXX                 2 B XX/XX/XXXX XX Primary Refinance - Cash-out - Other   B   B       No
XXXX XXXX PRPM 2025-RPL4-100047   26207204 XXXX XX/XX/XXXX Compliance Compliance Federal Compliance RESPA RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.                 2 B XX/XX/XXXX XX Primary Refinance - Cash-out - Other   B   B       No
XXXX XXXX PRPM 2025-RPL4-100048   26207233 XXXX XX/XX/XXXX Compliance Compliance Federal Compliance Missing Application Date Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.  The final date used for testing was XX/XX/XXXX                 2 B XX/XX/XXXX XX Primary Purchase   B   B       No
XXXX XXXX PRPM 2025-RPL4-100049   26207247 XXXX XX/XX/XXXX Compliance Compliance Federal Compliance Missing Application Date Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.  The final date used for testing was XX/XX/XXXX                 2 B XX/XX/XXXX XX Primary Refinance - Cash-out - Debt Consolidation   B   B       No
XXXX XXXX PRPM 2025-RPL4-100049   26207248 XXXX XX/XX/XXXX Compliance Compliance Federal Compliance RESPA RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.                 2 B XX/XX/XXXX XX Primary Refinance - Cash-out - Debt Consolidation   B   B       No
XXXX XXXX PRPM 2025-RPL4-100049   26207249 XXXX XX/XX/XXXX Compliance Compliance State Compliance Misc. State Level Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided) Michigan Consumer Mortgage Protection Act:  Borrower Bill of Rights disclosure not provided to borrower.                 2 B XX/XX/XXXX XX Primary Refinance - Cash-out - Debt Consolidation   B   B       No
XXXX XXXX PRPM 2025-RPL4-100049   26207250 XXXX XX/XX/XXXX Compliance Compliance State Compliance Misc. State Level Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided Michigan Consumer Mortgage Protection Act:  Consumer Caution and Home Ownership Counseling Notice not provided to borrower.                 2 B XX/XX/XXXX XX Primary Refinance - Cash-out - Debt Consolidation   B   B       No
XXXX XXXX PRPM 2025-RPL4-100049   26207251 XXXX XX/XX/XXXX Compliance Compliance State Compliance Misc. State Level Michigan Consumer Mortgage Protection Act (Counseling Agencies List) Michigan Consumer Mortgage Protection Act:  List of HUD-approved credit counseling agencies not provided to borrower.                 2 B XX/XX/XXXX XX Primary Refinance - Cash-out - Debt Consolidation   B   B       No
XXXX XXXX PRPM 2025-RPL4-100049   26207252 XXXX XX/XX/XXXX Compliance Compliance Federal Compliance TILA ARM Disclosure Status TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.                 2 B XX/XX/XXXX XX Primary Refinance - Cash-out - Debt Consolidation No Defined Cure B   B       No
XXXX XXXX PRPM 2025-RPL4-100049   26207253 XXXX XX/XX/XXXX Compliance Compliance Federal Compliance TILA CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.                 2 B XX/XX/XXXX XX Primary Refinance - Cash-out - Debt Consolidation No Defined Cure B   B       No
XXXX XXXX PRPM 2025-RPL4-100050   26207255 XXXX XX/XX/XXXX Compliance Compliance Federal Compliance FACTA FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.                 2 B XX/XX/XXXX XX Primary Purchase   B   B       No
XXXX XXXX PRPM 2025-RPL4-100050   26207256 XXXX XX/XX/XXXX Compliance Compliance Federal Compliance Missing Application Date Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.  The final date used for testing was XX/XX/XXXX                 2 B XX/XX/XXXX XX Primary Purchase   B   B       No
XXXX XXXX PRPM 2025-RPL4-100051   26207272 XXXX XX/XX/XXXX Compliance Compliance Federal Compliance RESPA RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.                 2 B XX/XX/XXXX XX Primary Refinance - Cash-out - Other   B   B       No
XXXX XXXX PRPM 2025-RPL4-100052   26207289 XXXX XX/XX/XXXX Compliance Compliance State Compliance Misc. State Level Ohio Consumer Sales Practices Act (Closing Disclosure Not Provided) Ohio Consumer Sales Practices Act:  Consumer did not receive the required Closing Disclosure.                 2 B XX/XX/XXXX XX Primary Purchase   B   B       No
XXXX XXXX PRPM 2025-RPL4-100052   26207290 XXXX XX/XX/XXXX Compliance Compliance State Compliance Misc. State Level Ohio Consumer Sales Practices Act (Acknowledgement of Receipt of Home Mortgage Loan Information Document Not Received Timely) Ohio Consumer Sales Practices Act: Acknowledgement of Receipt of Home Mortgage Loan Information Document not received by borrower within five (5) business days of application.                 2 B XX/XX/XXXX XX Primary Purchase   B   B       No
XXXX XXXX PRPM 2025-RPL4-100055   26207305 XXXX XX/XX/XXXX Compliance Compliance Federal Compliance Missing Application Date Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.  The final date used for testing was XX/XX/XXXX                 2 B XX/XX/XXXX XX Primary Purchase   B   B       No
XXXX XXXX PRPM 2025-RPL4-100056   26207339 XXXX XX/XX/XXXX Compliance Compliance Federal Compliance Missing Non-Required Data (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided.  Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.                 2 B XX/XX/XXXX XX Primary Purchase   B   B       No
XXXX XXXX PRPM 2025-RPL4-100056   26207340 XXXX XX/XX/XXXX Compliance Compliance Federal Compliance Missing Application Date Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.  The final date used for testing was XX/XX/XXXX                 2 B XX/XX/XXXX XX Primary Purchase   B   B       No
XXXX XXXX PRPM 2025-RPL4-100057   26207345 XXXX XX/XX/XXXX Compliance Compliance Federal Compliance Missing Application Date Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.  The final date used for testing was XX/XX/XXXX                 2 B XX/XX/XXXX XX Primary Purchase   B   B       No
XXXX XXXX PRPM 2025-RPL4-100057   26207346 XXXX XX/XX/XXXX Compliance Compliance Federal Compliance TILA Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $590,209.77 is underdisclosed from calculated Finance Charge of $591,440.83 in the amount of $1,231.06. TIL Itemization did not disclose an Email/E-Doc fee of $75, a Processing fee of $450, a Settlement fee of $762.50 and a Courier fee of $11.50 as prepaid finance charges.               2 B XX/XX/XXXX XX Primary Purchase TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B   B       No
XXXX XXXX PRPM 2025-RPL4-100058   26207348 XXXX XX/XX/XXXX Compliance Compliance Federal Compliance Missing Application Date Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.  The final date used for testing was XX/XX/XXXX                 2 B XX/XX/XXXX XX Primary Purchase   B   B       No
XXXX XXXX PRPM 2025-RPL4-100063   26207379 XXXX XX/XX/XXXX Compliance Compliance Federal Compliance Missing Application Date Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.  The final date used for testing was XX/XX/XXXX                 2 B XX/XX/XXXX XX Primary Purchase   B   B       No
XXXX XXXX PRPM 2025-RPL4-100064   26207406 XXXX XX/XX/XXXX Compliance Compliance Federal Compliance Missing Application Date Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.  The final date used for testing was XX/XX/XXXX                 2 B XX/XX/XXXX XX Investment Refinance - Cash-out - Other   B   B       No
XXXX XXXX PRPM 2025-RPL4-100065   26207445 XXXX XX/XX/XXXX Compliance Compliance Federal Compliance Missing Application Date Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.  The final date used for testing was XX/XX/XXXX                 2 B XX/XX/XXXX XX Primary Refinance - Rate/Term   B   B       No
XXXX XXXX PRPM 2025-RPL4-100065   26207446 XXXX XX/XX/XXXX Compliance Compliance Federal Compliance RESPA RESPA -  Initial GFE Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.                 2 B XX/XX/XXXX XX Primary Refinance - Rate/Term   B   B       No
XXXX XXXX PRPM 2025-RPL4-100065   26207447 XXXX XX/XX/XXXX Compliance Compliance Federal Compliance RESPA RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.                 2 B XX/XX/XXXX XX Primary Refinance - Rate/Term   B   B       No
XXXX XXXX PRPM 2025-RPL4-100065   26207448 XXXX XX/XX/XXXX Compliance Compliance Federal Compliance RESPA RESPA Servicing Disclosure:  Servicing Disclosure Statement Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.                 2 B XX/XX/XXXX XX Primary Refinance - Rate/Term   B   B       No
XXXX XXXX PRPM 2025-RPL4-100065   26207449 XXXX XX/XX/XXXX Compliance Compliance Federal Compliance TIL-MDIA TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.                 2 B XX/XX/XXXX XX Primary Refinance - Rate/Term   B   B       No
XXXX XXXX PRPM 2025-RPL4-100065   26207450 XXXX XX/XX/XXXX Compliance Compliance Federal Compliance TILA ARM Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.                 2 B XX/XX/XXXX XX Primary Refinance - Rate/Term No Defined Cure B   B       No
XXXX XXXX PRPM 2025-RPL4-100065   26207451 XXXX XX/XX/XXXX Compliance Compliance Federal Compliance TILA CHARM Booklet Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.                 2 B XX/XX/XXXX XX Primary Refinance - Rate/Term No Defined Cure B   B       No
XXXX XXXX PRPM 2025-RPL4-100066   26207480 XXXX XX/XX/XXXX Compliance Compliance Federal Compliance RESPA RESPA (2010) - 0% Tolerance (Line 1203) Without Cure RESPA (2010): 0% tolerance violation for 1203 fee without evidence of sufficient cure provided.                 2 B XX/XX/XXXX XX Primary Refinance - Cash-out - Other Provide the following: Letter of Explanation, Proof of Delivery, and Refund check B   B       No
XXXX XXXX PRPM 2025-RPL4-100066   26207481 XXXX XX/XX/XXXX Compliance Compliance Federal Compliance RESPA RESPA -  Initial GFE Not Provided Within 3 Business Days of Application RESPA: Initial GFE not provided to Borrower(s) within three (3) business days of Application Date.                 2 B XX/XX/XXXX XX Primary Refinance - Cash-out - Other   B   B       No
XXXX XXXX PRPM 2025-RPL4-100066   26207482 XXXX XX/XX/XXXX Compliance Compliance State Compliance State Late Charge New York Late Charge Percent Testing Note late charge exceeds maximum per state. 5% late charge exceeds maximum per state of New York               2 B XX/XX/XXXX XX Primary Refinance - Cash-out - Other   B   B       No
XXXX XXXX PRPM 2025-RPL4-100066   26207483 XXXX XX/XX/XXXX Compliance Compliance Federal Compliance TIL-MDIA TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application Truth in Lending Act (Early TIL Disclosure): Initial TIL was not sent within three (3) business days of the creditor application date.                 2 B XX/XX/XXXX XX Primary Refinance - Cash-out - Other   B   B       No
XXXX XXXX PRPM 2025-RPL4-100067   26207522 XXXX XX/XX/XXXX Compliance Compliance Federal Compliance FACTA FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.                 2 B XX/XX/XXXX XX Primary Refinance - Cash-out - Other   B   B       No
XXXX XXXX PRPM 2025-RPL4-100067   26207523 XXXX XX/XX/XXXX Compliance Compliance Federal Compliance Missing Application Date Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.  The final date used for testing was XX/XX/XXXX                 2 B XX/XX/XXXX XX Primary Refinance - Cash-out - Other   B   B       No
XXXX XXXX PRPM 2025-RPL4-100067   26207524 XXXX XX/XX/XXXX Compliance Compliance Federal Compliance TILA Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $174,345.83 is underdisclosed from calculated Finance Charge of $174,385.75 in the amount of $39.92. TIL Itemization does not disclose Recording Service Fee of $40.00 as a Prepaid Finance Charge.               2 B XX/XX/XXXX XX Primary Refinance - Cash-out - Other TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B   B       No
XXXX XXXX PRPM 2025-RPL4-100069   26207529 XXXX XX/XX/XXXX Compliance Compliance Federal Compliance Missing Application Date Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.  The final date used for testing was XX/XX/XXXX                 2 B XX/XX/XXXX XX Primary Refinance - Cash-out - Debt Consolidation   B   B       No
XXXX XXXX PRPM 2025-RPL4-100069   26207530 XXXX XX/XX/XXXX Compliance Compliance Federal Compliance TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC) Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used.                 2 B XX/XX/XXXX XX Primary Refinance - Cash-out - Debt Consolidation TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B   B       No
XXXX XXXX PRPM 2025-RPL4-100070   26207537 XXXX XX/XX/XXXX Compliance Compliance Federal Compliance FACTA FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.                 2 B XX/XX/XXXX XX Primary Refinance - Cash-out - Debt Consolidation   B   B       No
XXXX XXXX PRPM 2025-RPL4-100071   26207538 XXXX XX/XX/XXXX Compliance Compliance State Compliance State Defect South Carolina Home Loan (Complaint Agency Disclosure Not Provided) South Carolina Home Loan: Borrower not provided with a document specifying the agency designated to receive complaints or inquiries about the origination and making of the loan.                 2 B XX/XX/XXXX XX Primary Purchase   B   B       No
XXXX XXXX PRPM 2025-RPL4-100071   26207539 XXXX XX/XX/XXXX Compliance Compliance Federal Compliance Missing Application Date Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of XX/XX/XXXX which is 0 months prior to consummation. A lookback was performed to determine this application date.  The final date used for testing was XX/XX/XXXX                 2 B XX/XX/XXXX XX Primary Purchase   B   B       No
XXXX XXXX PRPM 2025-RPL4-100072   26207567 XXXX XX/XX/XXXX Compliance Compliance Federal Compliance Missing Application Date Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.  The final date used for testing was XX/XX/XXXX                 2 B XX/XX/XXXX XX Primary Purchase   B   B       No
XXXX XXXX PRPM 2025-RPL4-100072   26207568 XXXX XX/XX/XXXX Compliance Compliance Federal Compliance RESPA RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.                 2 B XX/XX/XXXX XX Primary Purchase   B   B       No
XXXX XXXX PRPM 2025-RPL4-100073   26207592 XXXX XX/XX/XXXX Compliance Compliance Federal Compliance Missing Application Date Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of XX/XX/XXXX which is 0 months prior to consummation. A lookback was performed to determine this application date.  The final date used for testing was XX/XX/XXXX                 2 B XX/XX/XXXX XX Primary Purchase   B   B       No
XXXX XXXX PRPM 2025-RPL4-100074   26207601 XXXX XX/XX/XXXX Compliance Compliance Federal Compliance FACTA FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.                 2 B XX/XX/XXXX XX Primary Purchase   B   B       No
XXXX XXXX PRPM 2025-RPL4-100074   26207602 XXXX XX/XX/XXXX Compliance Compliance Federal Compliance Missing Application Date Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.  The final date used for testing was XX/XX/XXXX                 2 B XX/XX/XXXX XX Primary Purchase   B   B       No
XXXX XXXX PRPM 2025-RPL4-100074   26207603 XXXX XX/XX/XXXX Compliance Compliance Federal Compliance TILA Payment Stream Variance: Final Truth In Lending Disclosure has incorrect payment stream.   Final TiL payment stream does not include the MI payment step disclosed on the MI certificate.               2 B XX/XX/XXXX XX Primary Purchase TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable B   B       No
XXXX XXXX PRPM 2025-RPL4-100075   26207610 XXXX XX/XX/XXXX Compliance Compliance Federal Compliance FACTA FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.                 2 B XX/XX/XXXX XX Primary Refinance - Cash-out - Other   B   B       No
XXXX XXXX PRPM 2025-RPL4-100076   26207641 XXXX XX/XX/XXXX Compliance Compliance Federal Compliance Missing Application Date Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.  The final date used for testing was XX/XX/XXXX                 2 B XX/XX/XXXX XX Primary Purchase   B   B       No
XXXX XXXX PRPM 2025-RPL4-100077   26207644 XXXX XX/XX/XXXX Compliance Compliance Federal Compliance Missing Application Date Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.  The final date used for testing was XX/XX/XXXX                 2 B XX/XX/XXXX XX Primary Refinance - Cash-out - Other   B   B       No
XXXX XXXX PRPM 2025-RPL4-100078   26207645 XXXX XX/XX/XXXX Compliance Compliance Federal Compliance TILA Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $388,776.99 is underdisclosed from calculated Finance Charge of $389,059.64 in the amount of $282.65. Under disclosure appears to be result of payment stream listed on the final TIL being illogical based on the terms of the Note.               2 B XX/XX/XXXX XX Primary Refinance - Cash-out - Debt Consolidation TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B   B       No
XXXX XXXX PRPM 2025-RPL4-100079   26207732 XXXX XX/XX/XXXX Compliance Compliance Federal Compliance Missing Application Date Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of XX/XX/XXXX which is 0 months prior to consummation. A lookback was performed to determine this application date.  The final date used for testing was XX/XX/XXXX                 2 B XX/XX/XXXX XX Primary Refinance - Rate/Term   B   B       No
XXXX XXXX PRPM 2025-RPL4-100080   26207770 XXXX XX/XX/XXXX Compliance Compliance Federal Compliance Missing Application Date Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.  The final date used for testing was XX/XX/XXXX                 2 B XX/XX/XXXX XX Primary Refinance - Rate/Term   B   B       No
XXXX XXXX PRPM 2025-RPL4-100080   26207771 XXXX XX/XX/XXXX Compliance Compliance Federal Compliance Missing Required Data (other than HUD-1 or Note) (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.                 2 B XX/XX/XXXX XX Primary Refinance - Rate/Term   B   B       No
XXXX XXXX PRPM 2025-RPL4-100080   26207772 XXXX XX/XX/XXXX Compliance Compliance Federal Compliance RESPA RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower.                 2 B XX/XX/XXXX XX Primary Refinance - Rate/Term   B   B       No
XXXX XXXX PRPM 2025-RPL4-100082   26207846 XXXX XX/XX/XXXX Compliance Compliance Federal Compliance RESPA RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.                 2 B XX/XX/XXXX XX Second Home Refinance - Cash-out - Debt Consolidation   B   B       No
XXXX XXXX PRPM 2025-RPL4-100083   26207861 XXXX XX/XX/XXXX Compliance Compliance Federal Compliance Missing Application Date Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.  The final date used for testing was XX/XX/XXXX                 2 B XX/XX/XXXX XX Primary Refinance - Rate/Term   B   B       No
XXXX XXXX PRPM 2025-RPL4-100083   26207862 XXXX XX/XX/XXXX Compliance Compliance Federal Compliance RESPA RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.                 2 B XX/XX/XXXX XX Primary Refinance - Rate/Term   B   B       No
XXXX XXXX PRPM 2025-RPL4-100084   26207915 XXXX XX/XX/XXXX Compliance Compliance Federal Compliance Missing Application Date Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.  The final date used for testing was XX/XX/XXXX                 2 B XX/XX/XXXX XX Primary Refinance - Rate/Term   B   B       No
XXXX XXXX PRPM 2025-RPL4-100084   26207916 XXXX XX/XX/XXXX Compliance Compliance Federal Compliance RESPA RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.                 2 B XX/XX/XXXX XX Primary Refinance - Rate/Term   B   B       No
XXXX XXXX PRPM 2025-RPL4-100084   26207917 XXXX XX/XX/XXXX Compliance Compliance Federal Compliance TILA ARM Disclosure Prior to Closing Timing TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.                 2 B XX/XX/XXXX XX Primary Refinance - Rate/Term   B   B       No
XXXX XXXX PRPM 2025-RPL4-100084   26207918 XXXX XX/XX/XXXX Compliance Compliance Federal Compliance TILA CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.                 2 B XX/XX/XXXX XX Primary Refinance - Rate/Term No Defined Cure B   B       No
XXXX XXXX PRPM 2025-RPL4-100084   26207919 XXXX XX/XX/XXXX Compliance Compliance Federal Compliance TILA Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $112,095.92 is underdisclosed from calculated Finance Charge of $115,625.81 in the amount of $3,529.89. Unable to determine cause of under-disclosure due to missing itemization of amount financed.  Under-disclosure appears to be index related.               2 B XX/XX/XXXX XX Primary Refinance - Rate/Term TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B   B       No
XXXX XXXX PRPM 2025-RPL4-100085   26207981 XXXX XX/XX/XXXX Compliance Compliance Federal Compliance RESPA RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower.                 2 B XX/XX/XXXX XX Primary Refinance - Rate/Term   B   B       No
XXXX XXXX PRPM 2025-RPL4-100085   26207982 XXXX XX/XX/XXXX Compliance Compliance Federal Compliance TILA Final TIL APR Under/Over Disclosed By Greater Than 0.125% Truth In Lending Act:  Final TIL APR of 7.50900% is underdisclosed from calculated APR of 7.70262% outside of 0.125% tolerance.                 2 B XX/XX/XXXX XX Primary Refinance - Rate/Term TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, corrected TIL Disclosure, and Re-open Rescission if Applicable B   B       No
XXXX XXXX PRPM 2025-RPL4-100085   26207983 XXXX XX/XX/XXXX Compliance Compliance Federal Compliance TILA Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $284,918.37 is underdisclosed from calculated Finance Charge of $296,317.11 in the amount of $11,398.74. The under disclosure is due to payment stream issues.  The note terms do not match the TIL and loan approval.  The note rate is XX% and the approval and TIL indicate XX%.               2 B XX/XX/XXXX XX Primary Refinance - Rate/Term TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B   B       No
XXXX XXXX PRPM 2025-RPL4-100086   26207999 XXXX XX/XX/XXXX Compliance Property - Appraisal General Appraisal Requirements LTV Test Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.                   2 B XX/XX/XXXX XX Primary UTD - UTD   D   D       No
XXXX XXXX PRPM 2025-RPL4-100086   26208001 XXXX XX/XX/XXXX Compliance Compliance Miscellaneous Compliance Missing, Incorrect, or Incomplete GFE (Doc Error) Initial GFE not provided                   2 B XX/XX/XXXX XX Primary UTD - UTD   D   D       No
XXXX XXXX PRPM 2025-RPL4-100086   26208003 XXXX XX/XX/XXXX Compliance Compliance Federal Compliance Missing Non-Required Data Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/XXXXsed as disbursement date for compliance testing.                 2 B XX/XX/XXXX XX Primary UTD - UTD   D   D       No
XXXX XXXX PRPM 2025-RPL4-100086   26208004 XXXX XX/XX/XXXX Compliance Compliance Federal Compliance Missing, Incorrect, or Incomplete HUD-1 Missing Final HUD-1:  No Document Used For Fee Testing Missing Final HUD-1.  No document containing fees provided.  Any applicable Federal, State or Local compliance testing is unreliable.                 3 D XX/XX/XXXX XX Primary UTD - UTD   D   D       No
XXXX XXXX PRPM 2025-RPL4-100086   26208005 XXXX XX/XX/XXXX Compliance Compliance Federal Compliance Missing Application Date Missing Initial Loan Application No Fees No evidence of application date located in file.  Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation.  A lookback was performed to determine this application date.   The final date used for testing was XX/XX/XXXX Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.                 2 B XX/XX/XXXX XX Primary UTD - UTD   D   D       No
XXXX XXXX PRPM 2025-RPL4-100086   26208006 XXXX XX/XX/XXXX Compliance Compliance Federal Compliance TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.                 2 B XX/XX/XXXX XX Primary UTD - UTD TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form D   D       No
XXXX XXXX PRPM 2025-RPL4-100086   26208007 XXXX XX/XX/XXXX Compliance Compliance Federal Compliance Missing, Incorrect, or Incomplete Final TIL TILA - Final TIL Missing Missing Final TIL.                 2 B XX/XX/XXXX XX Primary UTD - UTD   D   D       No
XXXX XXXX PRPM 2025-RPL4-100087   26208025 XXXX XX/XX/XXXX Compliance Compliance Federal Compliance FACTA FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.                 2 B XX/XX/XXXX XX Primary Refinance - Cash-out - Other   B   B       No
XXXX XXXX PRPM 2025-RPL4-100088   26208068 XXXX XX/XX/XXXX Compliance Compliance State Compliance Misc. State Level Colorado Consumer Credit Code (First Lien Refinance Notice Not Provided) Colorado Consumer Credit Code: Borrower not provided First Lien Refinance Notice.                 2 B XX/XX/XXXX XX Primary Refinance - Rate/Term   B   B       No
XXXX XXXX PRPM 2025-RPL4-100088   26208069 XXXX XX/XX/XXXX Compliance Compliance Federal Compliance TILA Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $138,083.64 is underdisclosed from calculated Finance Charge of $138,918.29 in the amount of $834.65. Unable to determine under disclosure due to missing itemization of amount financed.               2 B XX/XX/XXXX XX Primary Refinance - Rate/Term TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B   B       No
XXXX XXXX PRPM 2025-RPL4-100088   26208070 XXXX XX/XX/XXXX Compliance Compliance Federal Compliance TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form Notice of Right To Cancel Not Provided to All Required Parties Truth in Lending Act: Notice of Right to Cancel was not signed by all parties whose ownership interest is or will be subject to the security interest.                 2 B XX/XX/XXXX XX Primary Refinance - Rate/Term TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B   B       No
XXXX XXXX PRPM 2025-RPL4-100089   26208073 XXXX XX/XX/XXXX Compliance Compliance Miscellaneous Compliance Missing, Incorrect, or Incomplete GFE (Doc Error) Initial GFE not provided                   2 B XX/XX/XXXX XX Primary Refinance - Rate/Term   B   B       No
XXXX XXXX PRPM 2025-RPL4-100089   26208075 XXXX XX/XX/XXXX Compliance Compliance Federal Compliance FACTA FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.                 2 B XX/XX/XXXX XX Primary Refinance - Rate/Term   B   B       No
XXXX XXXX PRPM 2025-RPL4-100089   26208076 XXXX XX/XX/XXXX Compliance Compliance Federal Compliance Missing Application Date Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.  The final date used for testing was XX/XX/XXXX                 2 B XX/XX/XXXX XX Primary Refinance - Rate/Term   B   B       No
XXXX XXXX PRPM 2025-RPL4-100090   26208109 XXXX XX/XX/XXXX Compliance Compliance Federal Compliance RESPA RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.                 2 B XX/XX/XXXX XX Primary Refinance - Rate/Term   B   B       No
XXXX XXXX PRPM 2025-RPL4-100091   26208113 XXXX XX/XX/XXXX Compliance Compliance Federal Compliance Missing Non-Required Data Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/XXXXsed as disbursement date for compliance testing.                 2 B XX/XX/XXXX XX Primary Refinance - Rate/Term   D   D       No
XXXX XXXX PRPM 2025-RPL4-100091   26208114 XXXX XX/XX/XXXX Compliance Compliance Federal Compliance Missing, Incorrect, or Incomplete HUD-1 Missing Final HUD-1:  No Document Used For Fee Testing Missing Final HUD-1.  No document containing fees provided.  Any applicable Federal, State or Local compliance testing is unreliable.                 3 D XX/XX/XXXX XX Primary Refinance - Rate/Term   D   D       No
XXXX XXXX PRPM 2025-RPL4-100091   26208115 XXXX XX/XX/XXXX Compliance Compliance Federal Compliance Missing Application Date Missing Initial Loan Application No Fees No evidence of application date located in file.  Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation.  A lookback was performed to determine this application date.   The final date used for testing was XX/XX/XXXX Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.                 2 B XX/XX/XXXX XX Primary Refinance - Rate/Term   D   D       No
XXXX XXXX PRPM 2025-RPL4-100091   26208116 XXXX XX/XX/XXXX Compliance Compliance Federal Compliance TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.                 2 B XX/XX/XXXX XX Primary Refinance - Rate/Term TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form D   D       No
XXXX XXXX PRPM 2025-RPL4-100091   26208117 XXXX XX/XX/XXXX Compliance Compliance Federal Compliance Missing, Incorrect, or Incomplete Final TIL TILA - Final TIL Missing Missing Final TIL.                 2 B XX/XX/XXXX XX Primary Refinance - Rate/Term   D   D       No
XXXX XXXX PRPM 2025-RPL4-100091   26208119 XXXX XX/XX/XXXX Compliance Property - Appraisal General Appraisal Requirements LTV Test Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.                   2 B XX/XX/XXXX XX Primary Refinance - Rate/Term   D   D       No
XXXX XXXX PRPM 2025-RPL4-100091   26208120 XXXX XX/XX/XXXX Compliance Compliance Miscellaneous Compliance Missing, Incorrect, or Incomplete GFE (Doc Error) Initial GFE not provided                   2 B XX/XX/XXXX XX Primary Refinance - Rate/Term   D   D       No
XXXX XXXX PRPM 2025-RPL4-100092   26208148 XXXX XX/XX/XXXX Compliance Compliance State Compliance State Late Charge Mississippi Late Charge Percent and Amount Testing > $100,000 Note late charge exceeds maximum per state.                 2 B XX/XX/XXXX XX Primary Refinance - Rate/Term   B   B       No
XXXX XXXX PRPM 2025-RPL4-100092   26208149 XXXX XX/XX/XXXX Compliance Compliance Federal Compliance TIL-MDIA 2011 TIL-MDIA - Introductory Escrow Payment Inaccurate Truth in Lending Act (MDIA 2011):  The amount of taxes and insurance, including any mortgage insurance, on the Final TIL does not match the amount of taxes and insurance, including any mortgage insurance, for the loan.                 2 B XX/XX/XXXX XX Primary Refinance - Rate/Term   B   B       No
XXXX XXXX PRPM 2025-RPL4-100092   26208150 XXXX XX/XX/XXXX Compliance Compliance Federal Compliance TIL-MDIA 2011 TIL-MDIA Rate-Payment Summary Table - Introductory Total Payment (PITI) Inaccurate Truth in Lending Act (MDIA 2011):  Total payment amount (PITI) on the Final TIL does not match the total payment amount for the loan.                 2 B XX/XX/XXXX XX Primary Refinance - Rate/Term   B   B       No
XXXX XXXX PRPM 2025-RPL4-100093   26208151 XXXX XX/XX/XXXX Compliance Compliance Federal Compliance Missing Non-Required Data (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided.  Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.                 2 B XX/XX/XXXX XX Primary Refinance - Rate/Term   B   B       No
XXXX XXXX PRPM 2025-RPL4-100093   26208152 XXXX XX/XX/XXXX Compliance Compliance Federal Compliance Missing Required Data (other than HUD-1 or Note) (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.                 2 B XX/XX/XXXX XX Primary Refinance - Rate/Term   B   B       No
XXXX XXXX PRPM 2025-RPL4-100093   26208153 XXXX XX/XX/XXXX Compliance Compliance Federal Compliance RESPA RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.                 2 B XX/XX/XXXX XX Primary Refinance - Rate/Term   B   B       No
XXXX XXXX PRPM 2025-RPL4-100093   26208154 XXXX XX/XX/XXXX Compliance Compliance Federal Compliance TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance Truth in Lending Act: Unable to determine if Notice of Right to Cancel was executed on the proper Model Form. The H-9 form was used instead of the H-8 form, however, the loan file does not contain evidence that the refinance was by the original creditor.                 2 B XX/XX/XXXX XX Primary Refinance - Rate/Term TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B   B       No
XXXX XXXX PRPM 2025-RPL4-100095   26208217 XXXX XX/XX/XXXX Compliance Compliance Federal Compliance TILA Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $97,850.72 is underdisclosed from calculated Finance Charge of $98,126.50 in the amount of $275.78. Unable to determine under disclosure due to missing Itemization of Amount Financed.               2 B XX/XX/XXXX XX Primary Refinance - Rate/Term TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B   B       No
XXXX XXXX PRPM 2025-RPL4-100095   26208218 XXXX XX/XX/XXXX Compliance Compliance Federal Compliance TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC) Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used.                 2 B XX/XX/XXXX XX Primary Refinance - Rate/Term TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B   B       No
XXXX XXXX PRPM 2025-RPL4-100096   26208269 XXXX XX/XX/XXXX Compliance Compliance Federal Compliance TILA Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $503,202.91 is underdisclosed from calculated Finance Charge of $504,627.91 in the amount of $1,425.00. TIL Itemization finance charge calculation does not include Escrow Fee to Lender paid to Service Provider (per line XXX page 2 of HUD).               2 B XX/XX/XXXX XX Primary Refinance - Cash-out - Other TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B   B       No
XXXX XXXX PRPM 2025-RPL4-100097   26208272 XXXX XX/XX/XXXX Compliance Compliance Federal Compliance Missing Application Date Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.  The final date used for testing was XX/XX/XXXX                 2 B XX/XX/XXXX XX Primary Refinance - Cash-out - Other   B   B       No
XXXX XXXX PRPM 2025-RPL4-100099   26208334 XXXX XX/XX/XXXX Compliance Compliance Federal Compliance RESPA RESPA -  Initial GFE Not Provided Within 3 Business Days of Application RESPA: Initial GFE not provided to Borrower(s) within three (3) business days of Application Date.                 2 B XX/XX/XXXX XX Primary Purchase   B   B       No
XXXX XXXX PRPM 2025-RPL4-100099   26208335 XXXX XX/XX/XXXX Compliance Compliance Federal Compliance RESPA RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.                 2 B XX/XX/XXXX XX Primary Purchase   B   B       No
XXXX XXXX PRPM 2025-RPL4-100099   26208336 XXXX XX/XX/XXXX Compliance Compliance Federal Compliance RESPA RESPA Disclosure -  HUD Settlement Cost Booklet Not Provided Within 3 Business Days of Application RESPA Disclosure Rule:  HUD Settlement Cost Booklet not provided to applicant within three (3) business days of application. Application date XX/XX/XXXXnd disclosure provided XX/XX/XXXX               2 B XX/XX/XXXX XX Primary Purchase   B   B       No
XXXX XXXX PRPM 2025-RPL4-100099   26208337 XXXX XX/XX/XXXX Compliance Compliance Federal Compliance RESPA RESPA Servicing Disclosure:  Servicing Disclosure Statement Not Provided Within 3 Business Days of Application RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement to applicant within three (3) business days of application.                 2 B XX/XX/XXXX XX Primary Purchase   B   B       No
XXXX XXXX PRPM 2025-RPL4-100099   26208338 XXXX XX/XX/XXXX Compliance Compliance Federal Compliance TIL-MDIA TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application Truth in Lending Act (Early TIL Disclosure): Initial TIL was not sent within three (3) business days of the creditor application date.                 2 B XX/XX/XXXX XX Primary Purchase   B   B       No
XXXX XXXX PRPM 2025-RPL4-100099   26208339 XXXX XX/XX/XXXX Compliance Compliance Federal Compliance TIL-MDIA TIL-MDIA 3-day Waiting Period - Corrected TIL for APR Inaccuracy Received Less than 3 Business Days from Consummation Truth in Lending Act (Early TIL Disclosure):  Corrected TIL for APR inaccuracy was not received by the borrower at least three (3) business days prior to closing.                 2 B XX/XX/XXXX XX Primary Purchase   B   B       No
XXXX XXXX PRPM 2025-RPL4-100099   26208340 XXXX XX/XX/XXXX Compliance Compliance Federal Compliance TIL-MDIA 2011 TIL-MDIA - Introductory Escrow Payment Inaccurate Truth in Lending Act (MDIA 2011):  The amount of taxes and insurance, including any mortgage insurance, on the Final TIL does not match the amount of taxes and insurance, including any mortgage insurance, for the loan.                 2 B XX/XX/XXXX XX Primary Purchase   B   B       No
XXXX XXXX PRPM 2025-RPL4-100099   26208341 XXXX XX/XX/XXXX Compliance Compliance Federal Compliance TIL-MDIA 2011 TIL-MDIA Rate-Payment Summary Table - Introductory Total Payment (PITI) Inaccurate Truth in Lending Act (MDIA 2011):  Total payment amount (PITI) on the Final TIL does not match the total payment amount for the loan.                 2 B XX/XX/XXXX XX Primary Purchase   B   B       No
XXXX XXXX PRPM 2025-RPL4-100100   26208327 XXXX XX/XX/XXXX Compliance Compliance Federal Compliance FACTA FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.                 2 B XX/XX/XXXX XX Primary Refinance - Rate/Term   B   B       No
XXXX XXXX PRPM 2025-RPL4-100100   26208328 XXXX XX/XX/XXXX Compliance Compliance Federal Compliance Missing Non-Required Data (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided.  Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.                 2 B XX/XX/XXXX XX Primary Refinance - Rate/Term   B   B       No
XXXX XXXX PRPM 2025-RPL4-100100   26208329 XXXX XX/XX/XXXX Compliance Compliance Federal Compliance Missing Required Data (other than HUD-1 or Note) (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.                 2 B XX/XX/XXXX XX Primary Refinance - Rate/Term   B   B       No
XXXX XXXX PRPM 2025-RPL4-100100   26208330 XXXX XX/XX/XXXX Compliance Compliance Federal Compliance RESPA RESPA Servicing Disclosure:  Servicing Disclosure Statement Not Provided Within 3 Business Days of Application RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement to applicant within three (3) business days of application.                 2 B XX/XX/XXXX XX Primary Refinance - Rate/Term   B   B       No
XXXX XXXX PRPM 2025-RPL4-100100   26208331 XXXX XX/XX/XXXX Compliance Compliance Federal Compliance RESPA RESPA -  Initial GFE Missing RESPA: Initial GFE not provided to Borrower(s).                 2 B XX/XX/XXXX XX Primary Refinance - Rate/Term   B   B       No
XXXX XXXX PRPM 2025-RPL4-100100   26208332 XXXX XX/XX/XXXX Compliance Compliance Federal Compliance TIL-MDIA TIL-MDIA - Initial TIL Missing Truth in Lending Act (Early TIL Disclosure): Initial TIL was not provided to the borrower.                 2 B XX/XX/XXXX XX Primary Refinance - Rate/Term   B   B       No
XXXX XXXX PRPM 2025-RPL4-100100   26208333 XXXX XX/XX/XXXX Compliance Compliance Miscellaneous Compliance Missing, Incorrect, or Incomplete GFE (Doc Error) Initial GFE not provided                   2 B XX/XX/XXXX XX Primary Refinance - Rate/Term   B   B       No
XXXX XXXX PRPM 2025-RPL4-100101   26208326 XXXX XX/XX/XXXX Compliance Compliance Federal Compliance RESPA RESPA Servicing Disclosure:  Servicing Disclosure Statement Not Provided Within 3 Business Days of Application RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement to applicant within three (3) business days of application.                 2 B XX/XX/XXXX XX Primary Refinance - Cash-out - Other   B   B       No