Exhibit 99.11

EXHIBIT 99.11        CONSOLIDATED ANALYTICS DUE DILIGENCE STANDARD REPORT

Loan Number

Seller Loan Number

Originator

Last Name

Note Date

Original Balance

State

TPR QM ATR Status

Loan Status

Exception Date

Remediation Status

Exception ID

Exception Type

Exception Category

Exceptions

Exception Rebuttal

Exception Rebuttal Date

Exception Rebuttal Response

Exception Rebuttal Response Date

Compensating Factors

Initial Overall Loan Grade

Final Overall Loan Grade

Initial Exception Grade

Final Exception Grade

Initial Credit Grade

Final Credit Grade

Initial Property Valuation Grade

Final Property Valuation Grade

Initial Compliance Grade

Final Compliance Grade

Initial Overall Grade (DBRS/Morningstar)

Initial Credit Grade (DBRS/Morningstar)

Initial Property Valuation Grade (DBRS/Morningstar)

Initial Compliance Grade (DBRS/Morningstar)

Initial Overall Grade (Fitch)

Initial Credit Grade (Fitch)

Initial Property Valuation Grade (Fitch)

Initial Compliance Grade (Fitch)

Initial Overall Grade (Kroll)

Initial Credit Grade (Kroll)

Initial Property Valuation Grade (Kroll)

Initial Compliance Grade (Kroll)

Initial Overall Grade (Moodys)

Initial Credit Grade (Moodys)

Initial Property Valuation Grade (Moodys)

Initial Compliance Grade (Moodys)

Initial Overall Grade (S&P)

Initial Credit Grade (S&P)

Initial Property Valuation Grade (S&P)

Initial Compliance Grade (S&P)

Final Overall Grade (DBRS/Morningstar)

Final Credit Grade (DBRS/Morningstar)

Final Property Grade (DBRS/Morningstar)

Final Compliance Grade (DBRS/Morningstar)

Final Overall Grade (Fitch)

Final Credit Grade (Fitch)

Final Property Grade (Fitch)

Final Compliance Grade (Fitch)

Final Overall Grade (Kroll)

Final Credit Grade (Kroll)

Final Property Grade (Kroll)

Final Compliance Grade (Kroll)

Final Overall Grade (Moodys)

Final Credit Grade (Moodys)

Final Property Grade (Moodys)

Final Compliance Grade (Moodys)

Final Overall Grade (S&P)

Final Credit Grade (S&P)

Final Property Grade (S&P)

Final Compliance Grade (S&P)

500000010

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Curative

12/20/2024

Resolved

FCRE3606

Credit

HMDA Data Tape Not Provided

Loan is pending HMDA data review. Additional conditions may apply. HMDA Tape Provided. The loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply.

HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided.; Loan is pending HMDA data review. Additional conditions may apply. HMDA Tape Provided. The loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply.

01/02/2025

Borrower has stable job time - Borrower has XXX years on job.

500000010

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Curative

12/20/2024

Resolved

FCRE1437

Credit

Income and Employment Do Not Meet Guidelines

Income and Employment Do Not Meet Guidelines Final 1003 shows loss of $XXX/mo "other" for B2 but nothing in the file explains where this is coming from. There are no notes and no lender worksheet for this loss. Lender to provide satisfactory explanation and any further docs needed to confirm this loss. Additional conditions may apply.

XX/XX/XXXX XXX - This is the Self-employed loss already mentioned. See attached statement from borrower's tax returns. This is the "XXX". $XXX over XXX months is XXX.; XX/XX/XXXX XXX - This is just the other Self-Employed losses the borrower claimed on their Schedule E.

12/27/2024

Audit reviewed Lender's response and has determined the Lender was most conservative and included income losses for business XXX and XXX from schedule E statement XXX on page XXX of the loan file. Condition cleared.; Income and Employment Meet Guidelines; For XXX, on the XXX Under section Xe Income from other sources on the final XXX: Other-Other Income: (XXX) and Other-Other Income (XXX). Please provide satisfactory explanation and any further docs needed to confirm this loss. Condition maintained. ; Income and Employment Do Not Meet Guidelines Final XXX shows loss of $XXX/mo "other" for XXX but nothing in the file explains where this is coming from. There are no notes and no lender worksheet for this loss. Lender to provide satisfactory explanation and any further docs needed to confirm this loss. Additional conditions may apply.

12/30/2024

Borrower has stable job time - Borrower has XXX years on job.

500000010

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Curative

12/20/2024

Resolved

FPRO1137

Property

The appraiser was not licensed (Primary Value)

Primary Value appraiser's license was not effective prior to the Valuation Date or expired prior to the Valuation Date ASC registry shows beginning date of XX/XX/XXXX when appraisal was completed on XX/XX/XXXX Lender to provide prior appraisal license dates.

XX/XX/XXXX XXX - Please clarify what documentation would be acceptable evidence of this. We have provided evidence appraiser has been licensed for over XXX years and they included a copy of their active license in their appraisal report. We don't see how appraiser would have been able to include their license in the appraisal report with an expiration date of XX/XX/XXXX if they didn't currently have the license. ; XX/XX/XXXX XXX - See attached from XXX, borrower's license was initially issues in XXX and appraiser indicates is expires XX/XX/XXXX. They do not issue licenses that are only good for XXX days.

12/27/2024

Audit reviewed Lender's response and has determined the documentation provided by Lender from the XXX Division of Real Estate verifies appraiser has been licensed from XX/XX/XXXX with license expiration date of XX/XX/XXXX, verifying appraiser was licensed at the time of the subject loan closing. Condition cleared.; Primary Value appraiser's license was effective prior to the Valuation Date and expired after the Valuation Date Or Primary Valuation Is Not Selected Or Appraiser License Dates Are Not Provided; Audit reviewed the lender's response. Please provide documentation that the appraiser's license was active when the appraisal was completed on XX/XX/XXXX. Condition maintained. ; Primary Value appraiser's license was not effective prior to the Valuation Date or expired prior to the Valuation Date XXX registry shows beginning date of XX/XX/XXXX when appraisal was completed on XX/XX/XXXX. Lender to provide prior appraisal license dates.

12/30/2024

Borrower has stable job time - Borrower has XXX years on job.

500000010

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Curative

12/20/2024

Resolved

FCRE7496

Credit

Missing Verification of Subject Property Taxes, Insurance, HOA or Other Payments

Missing proof of HOA for the property at XXX. Final 1003 shows $XXX/mo. Additional conditions may apply.

XX/XX/XXXX XXX - There is no HOA, the $XXX is the insurance on the property. See attached property detail report listing property is an XXX and not part of a XXX.

12/24/2024

Upon further review, the $XXX is the insurance on the property per documentation in the file. Lender provided a property profile, and the site information states XXX and not part of a XXX. Condition cleared.

12/26/2024

Borrower has stable job time - Borrower has XXX years on job.

500000013

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Curative

03/19/2025

Resolved

FCRE3606

Credit

HMDA Data Tape Not Provided

Loan is pending HMDA data review. Additional conditions may apply. HMDA Data Tape provided. Loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. (Additional conditions may apply).

HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided.; Loan is pending HMDA data review. Additional conditions may apply. HMDA Data Tape provided. Loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. (Additional conditions may apply).

03/24/2025

Borrower has stable job time - Borrower has XXX years on job.

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX

500000104

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Curative

03/19/2025

Resolved

FCRE3606

Credit

HMDA Data Tape Not Provided

03/24/2025

Original LTV is Below the Guideline Maximum - Calculated LTV of  XXX% is less than Guideline LTV of XXX%

Original CLTV is Below the Guideline Maximum - Calculated CLTV of  XXX% is less than Guideline CLTV of XXX%

Qualifying DTI below max allowed. - Calculated DTI of  XXX% is less than Guideline DTI of XXX%

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX

Borrower has stable job time - Borrower has XXX years on job.

500000011

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Curative

03/20/2025

Resolved

FCRE3606

Credit

HMDA Data Tape Not Provided

03/27/2025

Borrower has stable job time - Borrower has XXX years on job.

500000011

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Curative

03/19/2025

Resolved

FCOM3849

Compliance

Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1))

The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(1)). There is no evidence the borrower received a copy of the appraisal at or prior to loan consummation..

Please see attached Evidence of appraisal delivery

03/25/2025

Lender provided verification of Borrower's receipt of appraisal. Condition cleared.; Evidence of appraisal delivery provided.; The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (XX CFR XXXXX(a)(X)). There is no evidence the borrower received a copy of the appraisal at or prior to loan consummation..

03/26/2025

Borrower has stable job time - Borrower has XXX years on job.

500000014

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Curative

03/26/2025

Resolved

FCRE3606

Credit

HMDA Data Tape Not Provided

Loan is pending HMDA data review. Additional conditions may apply.

HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided.

04/02/2025

Borrower has stable job time - Borrower has XXX years on job.

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX

500000014

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Curative

03/27/2025

Resolved

FCOM5135

Compliance

Missing Required Affiliated Business Disclosure

Required Affiliated Business Disclosure Missing Affiliated business disclosure is missing

Affiliated LOE

03/28/2025

Lender provided attestation of no affiliates. Condition cleared.; Required Affiliated Business Disclosure Documentation Provided; Required Affiliated Business Disclosure Missing Affiliated business disclosure is missing

03/31/2025

Borrower has stable job time - Borrower has XXX years on job.

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX

500000014

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Curative

03/27/2025

Resolved

FCOM9186

Compliance

eSigned Documents Consent is Missing

The eSigned consent disclosure is missing. The eSigned documents consent is missing for the borrower esign disclosures dated XX/XX/XXXX

Econsent

03/28/2025

Lender provided eConsent. Condition cleared.; Evidence of eConsent is provided.; The eSigned consent disclosure is missing. The eSigned documents consent is missing for the borrower esign disclosures dated XX/XX/XXXX.

03/31/2025

Borrower has stable job time - Borrower has XXX years on job.

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX

500000014

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Curative

03/27/2025

Resolved

finding-3716

Compliance

XXX Per Diem Interest Amount Test

This loan failed the per diem interest amount test. (XXX Bus. Prof. Code §XXX)The per diem interest amount charged on the loan ($XXX) exceeds the per diem interest charge or credit threshold ($XXX).PLEASE NOTE: An additional $XXX buffer was included in the per diem interest charge or credit threshold displayed above based on the client preferences configured on the per diem interest settings page. PCCD and final HUD 1 in file have the disbursement date of XX/XX/XXXX however the prepaid interest start date of XX/XX/XXXX. Please provide a PCCD and or final HUD 1 with correct disbursement date and prepaid interest collected.

Lender provided email correspondence indicating loan funded on XX/XX/XXXX but disbursed on XX/XX/XXXX. The PCCD and settlement statement both reflect interest charged from XX/XX/XXXX with disbursement on XX/XX/XXXX, supporting Lender's email. In addition, the Borrower signed the XXX Per Diem Interest Charge Disclosure agreeing to the Monday disbursement and the additional per diem interest charged. Audit re-ran compliance and has determined pre-paid interest is within tolerance. Condition cleared.; Lender provided email correspondence indicating loan funded on XX/XX/XXXX but disbursed on XX/XX/XXXX. The PCCD and settlement statement both reflect interest charged from XX/XX/XXXX with disbursement on XX/XX/XXXX, supporting Lender's email. In addition, the Borrower signed the XXX Per Diem Interest Charge Disclosure agreeing to the Monday disbursement and the additional per diem interest charged. Audit re-ran compliance and has determined pre-paid interest is within tolerance. Condition cleared.

03/31/2025

Borrower has stable job time - Borrower has XXX years on job.

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX

500000012

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Curative

03/31/2025

Resolved

FCRE3606

Credit

HMDA Data Tape Not Provided

Loan is pending HMDA data review. Additional conditions may apply.

HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided.

04/02/2025

500000017

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Curative

04/02/2025

Resolved

FCRE7497

Credit

Missing verification of taxes, insurance, and/or HOA fees for non-subject property

Missing HOA for the property at XXX. Final 1003 states $XXX/mo In addition must confirm new 1st lien has taxes and insurance included in the $XXX/mo payment. Additional conditions may apply.

Lender provided mortgage statement for property XXX nd verifying the mortgage includes escrows for both taxes and insurance. In addition, provided verification of HOA fees. Condition cleared.

04/29/2025

Borrower has stable job time - Borrower has XXX years on job.

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX

500000017

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Curative

04/02/2025

Resolved

FCRE1491

Credit

Asset Qualification Does Not Meet Guideline Requirements

Asset Qualification Does Not Meet Guideline Requirements Lender to provide satisfactory explanation for check for gift states on the check XXX day loan. Gifts are not permitted to be a loan. If is a loan then borrower has to state and document any payment arrangement. Additional conditions may apply.

Audit reviewed Lender's response and has determined the $XXX was deducted from total available asset qualification per XXX and AUS; therefore, no other documentation is required. Condition cleared; Asset Qualification Meets Guideline Requirements

04/29/2025

Borrower has stable job time - Borrower has XXX years on job.

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX

500000017

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Curative

04/02/2025

Resolved

FCRE7009

Credit

Hazard insurance dwelling coverage is not sufficient

Hazard Insurance coverage of $XXX is less than required coverage required Lender to provide sufficient coverage for the loan amt of $XXXXXX or replacement cost coverage. Additional conditions may apply.

Lender provided property insurance that reflects verification replacement cost coverage is included. Condition cleared.; Hazard Insurance coverage meets guideline requirement

04/29/2025

Borrower has stable job time - Borrower has XXX years on job.

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX

500000017

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Curative

04/02/2025

Resolved

FCRE3606

Credit

HMDA Data Tape Not Provided

HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided.

04/08/2025

Borrower has stable job time - Borrower has XXX years on job.

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX

500000018

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Curative

04/01/2025

Resolved

FCOM5135

Compliance

Missing Required Affiliated Business Disclosure

Required Affiliated Business Disclosure Missing Documentation Required Missing ABD

AFFILIATED BIZ DISCLOSURE

04/09/2025

Lender provided attestation of no affiliates on subject transaction. Condition cleared.; Required Affiliated Business Disclosure Documentation Provided; Material Finding; Required Affiliated Business Disclosure Missing Documentation Required Missing ABD

04/11/2025

Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%

500000018

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Curative

04/02/2025

Resolved

FCRE3606

Credit

HMDA Data Tape Not Provided

Loan is pending HMDA data review. Additional conditions may apply.

HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided.

04/08/2025

Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%

500000015

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Curative

04/07/2025

Resolved

FCRE3606

Credit

HMDA Data Tape Not Provided

Loan is pending HMDA data review. Additional conditions may apply.

HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided.

04/09/2025

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX

Borrower has stable job time - Borrower has XXX years on job.

500000103

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Curative

04/07/2025

Resolved

FCOM3849

Compliance

Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1))

Appraisal Delivery Tracking

04/09/2025

Evidence of appraisal delivery provided.

04/10/2025

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX

Borrower has stable job time - Borrower has XXX years on job.

500000103

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Curative

04/07/2025

Resolved

FCRE3606

Credit

HMDA Data Tape Not Provided

Loan is pending HMDA data review. Additional conditions may apply.

HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided.

04/09/2025

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX

Borrower has stable job time - Borrower has XXX years on job.

500000019

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Curative

04/09/2025

Resolved

FCRE3606

Credit

HMDA Data Tape Not Provided

Loan is pending HMDA data review. Additional conditions may apply.

HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided.

04/14/2025

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX

Borrower has stable job time - Borrower has XXX years on job.

500000043

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Curative

04/10/2025

Resolved

FCRE3653

Credit

Missing letter of explanation

There are multiple discrepancies regarding property listed as borrowers current address( A renter)and other property owned by borrower listed with a different address on 1003 then on the
Lease for that property. 1003 shows current address of borrower as XXX(previous address to this also a rental) yet bank statement shows XXX.. 1003 shows rental property at XXX but lease shows XXX. as of XX/XXXX. LOE in file states borrower was using the rental as a 2nd home on occasion but is now renting out at a lower rate due to fires in XXX. 1003 shows not hitting borrower for PITIA. Using XXX on application which leads back to address discrepancies. Please provide satisfactory explanation for each issue and documentation to prove it. If it is decided that a PITIA is going to be added for the other property, XXX approval. If not and using lease to offset any property, tax return will be required per DU to confirm qualifying exception to use lease. If by chance XXX address is an error, provide proof not owned by borrower. Also proof of XXX vs XXX. Additional conditions may apply.

XX/XX/XXXX XXX: Please note that XXX and XXX are the same property. Please see the attached documentation to show that third party county records consider them to be the same property, and websites such as XXX, redfin, etc can confirm that the APN number is the same for both addresses. This property shows up on the borrower’s bank statements, as it used to be the borrower’s primary residence prior to renting, which is also why it appears on the borrower’s driver’s license. The PITIA shows as XXX for this property because it was offset by the rental income, per FNMA guidelines. FNMA XXX states that if the lender determines that some other situation warrants an exception to use a lease agreement, the lender must provide an explanation and justification in the loan file. Since the property was previously a second home that’s being converted into an investment property, this was documented by the letters of explanation in file from the borrower. Since the borrower has less than a one-year history of managing a rental property, the rental income can only be used to offset the PITIA of the related property, so the full amount of rental income from the lease agreement is not being used to qualify the borrower.

04/14/2025

Condition resolved as the correct rental offset is allowed when owned less than a year. Received evidence XXX/XXX. is the same property and LOX as to why the address is on the bank statements and license.

04/15/2025

Qualifying DTI below max allowed. - Calculated DTI of  XXX% is less than Guideline DTI of XXX%

Original CLTV is Below the Guideline Maximum - Calculated CLTV of  XXX% is less than Guideline CLTV of XXX%

Original LTV is Below the Guideline Maximum - Calculated LTV of  XXX% is less than Guideline LTV of XXX%

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX

Borrower has stable job time - Borrower has XXX years on job.

500000043

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Curative

04/10/2025

Resolved

FCRE3606

Credit

HMDA Data Tape Not Provided

Loan is pending HMDA data review. Additional conditions may apply.

HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided.

04/14/2025

500000058

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Curative

04/10/2025

Resolved

finding-3635

Compliance

Charges That In Total Cannot Increase More Than XXX% Test

This loan failed the charges that in total cannot increase more than XXX% test. (12 CFR §XXX(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §XXX(e)(3)(ii). The final charges that in total cannot increase more than XXX% ($XXX) exceed the comparable charges ($XXX) by more than XXX%. Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §XXX(e)(1)(i) by more than XXX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §XXX(e)(1)(vi). TILA XXX Cure Required. Refund in the amount of $XXX, cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The XXX% tolerance violation in the amount of $XXX is due to increase from $XXX to $XXX for the e-recording fee, $XXX to $XXX for the CPL fee, and $XXX to $XXX for the title policy. The Written List of Service Provider List is dated XX/XX/XXXX and was not within XXX days of the application date which is causing the exception. Please provide the SSPL within XXX days of the application date or cure package.

SSPL it has the date showing XX/XX/XXXX.

04/16/2025

Lender provided WLSP dated XX/XX/XXXX. Audit re-ran compliance and has determined fees are within tolerance. Condition cleared.; Lender provided WLSP dated XX/XX/XXXX. Audit re-ran compliance and has determined fees are within tolerance. Condition cleared.

04/17/2025

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX

Borrower has stable job time - Borrower has XXX years on job.

500000058

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Curative

04/10/2025

Resolved

FCRE1201

Credit

Third Party Fraud Report not Provided

Missing Third Party Fraud Report

Fraud Report

04/14/2025

Third Party Fraud Report is provided

04/15/2025

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX

Borrower has stable job time - Borrower has XXX years on job.

500000058

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Curative

04/10/2025

Resolved

FCRE3606

Credit

HMDA Data Tape Not Provided

Loan is pending HMDA data review. Additional conditions may apply.

HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided.

04/14/2025

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX

Borrower has stable job time - Borrower has XXX years on job.

500000062

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Curative

04/14/2025

Resolved

FPRO9990

Property

Third Party Valuation Product Not Provided within XXX% Tolerance

Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Please provide CDA.

CDA

04/15/2025

CDA dated XX/XX/XXXX with value of $XXX was provided and is within XXX% tolerance of appraisal value of $XXX. Condition cleared.; Third party valuation product provided within tolerance.; Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Please provide CDA.

06/30/2025

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX.

Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job. Borrower has XXX years on job.

500000062

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Curative

04/14/2025

Resolved

FCOM9186

Compliance

eSigned Documents Consent is Missing

The eSigned consent disclosure is missing. The eSigned documents consent is missing.

Econsent

04/15/2025

Lender provided Borrower's eConsent. Condition cleared.; Evidence of eConsent is provided.; The eSigned consent disclosure is missing. The eSigned documents consent is missing.

04/16/2025

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX.

Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job. Borrower has XXX years on job.

500000062

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Curative

04/11/2025

Resolved

FCOM3849

Compliance

Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1))

Appraisal Delivery Tracking

04/15/2025

Lender provided verification of Borrower's receipt of appraisal. Condition cleared. ; Evidence of appraisal delivery provided.; The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (XX CFR XXXXX(a)(X)). Please provide evidence borrower received Appraisal within required XXX business days prior to consummation.

04/16/2025

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX.

Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job. Borrower has XXX years on job.

500000062

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Curative

04/11/2025

Resolved

FCOM5135

Compliance

Missing Required Affiliated Business Disclosure

Required Affiliated Business Disclosure Missing Please provide Affiliated Business Disclosure

Affiliated Business Discl and Tracking

04/15/2025

Lender provided Affiliated Business disclosure. Condition cleared.; Required Affiliated Business Disclosure Documentation Provided; Required Affiliated Business Disclosure Missing Please provide Affiliated Business Disclosure

04/16/2025

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX.

Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job. Borrower has XXX years on job.

500000062

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Curative

04/11/2025

Resolved

FCOM1266

Compliance

Homeownership Counseling Disclosure Is Missing

Homeownership Counseling Disclosure Is Missing Please provide Homeownership Counseling Disclosure.

HOC List

04/15/2025

Lender provided Homeownership Counseling Disclosure. Condition cleared.; Homeownership Counseling Disclosure Is Present or Not Applicable; Homeownership Counseling Disclosure Is Missing Please provide Homeownership Counseling Disclosure.

04/16/2025

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX.

Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job. Borrower has XXX years on job.

500000062

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Curative

04/14/2025

Resolved

FCRE3606

Credit

HMDA Data Tape Not Provided

Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply.

HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided.; Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply.

04/16/2025

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX.

Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job. Borrower has XXX years on job.

500000082

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Curative

04/14/2025

Resolved

FCRE1437

Credit

Income and Employment Do Not Meet Guidelines

Income and Employment Do Not Meet Guidelines The borrower's business, "XXX" is in dissolved status and income cannot be used. Please provide documentation showing active status for the business.

XX/XX/XXXX - XXX: Please see attached. The business start date reflects XX/XX/XXXX due to the borrower incorporating their business in XXX after moving from XXX. The XXX business returns have been attached to support the prior business address and the unchanged EIN number XXX.

04/16/2025

Lender provided current business license and XXX tax returns. The business license verifies business is active and XXX tax returns support the Borrower moved business from XXX to XXX and incorporated the business in XXX in XXXX. Condition cleared.; Income and Employment Meet Guidelines; Income and Employment Do Not Meet Guidelines The borrower's business, "XXX" is in dissolved status and income cannot be used. Please provide documentation showing active status for the business.

04/17/2025

Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Calculated LTV of XXX% is less than Guideline LTV of XXX% Calculated LTV of XXX% is less than Guideline LTV of XXX%.

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX.

Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Calculated CLTV of XXX% is less than Guideline CLTV of XXX%.

Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job. Borrower has XXX years on job.

500000082

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Curative

04/14/2025

Resolved

FCRE3606

Credit

HMDA Data Tape Not Provided

Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply.

04/16/2025

500000054

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Curative

04/14/2025

Resolved

FCRE1491

Credit

Asset Qualification Does Not Meet Guideline Requirements

Asset Qualification Does Not Meet Guideline Requirements Missing proof of $XXX from gift. Gift letter is in file. States will be a check. confirmed not deposited into asset accounts and a copy of the check and the clearing of the check are not in file.

XX/XX/XXXX XXX: See attached gift wire to title

04/16/2025

Lender provided wire transfer of $XXX gift funds. Condition cleared.; Asset Qualification Meets Guideline Requirements

04/17/2025

Borrower has stable job time - Borrower has XXX years on job.

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX

500000054

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Curative

04/14/2025

Resolved

FCRE3606

Credit

HMDA Data Tape Not Provided

Loan is pending HMDA data review. Additional conditions may apply.

HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided.

04/16/2025

Borrower has stable job time - Borrower has XXX years on job.

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX

500000085

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Curative

04/14/2025

Resolved

FCRE3606

Credit

HMDA Data Tape Not Provided

Loan is pending HMDA data review. Additional conditions may apply.

HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided.

04/16/2025

500000089

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Curative

04/14/2025

Resolved

FCRE3606

Credit

HMDA Data Tape Not Provided

Loan is pending HMDA data review. Additional conditions may apply.

HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided.

04/16/2025

500000051

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Curative

04/15/2025

Resolved

FCRE3606

Credit

HMDA Data Tape Not Provided

HMDA Data Tape Provided.; Loan is pending HMDA data review. Additional conditions may apply. HMDA Tape Provided. The loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply.

04/21/2025

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX

500000100

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Curative

04/15/2025

Resolved

FCRE3606

Credit

HMDA Data Tape Not Provided

04/21/2025

Borrower has stable job time - Borrower has XXX years on job.

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX

500000023

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Curative

04/15/2025

Resolved

FCRE1350

Credit

Borrower 2 Personal Tax Returns Missing

Borrower 2 Personal Tax Returns Missing The co-borrower was qualified with a monthly income of $XXX using a XXX-month average of XXXX and XXXX personal tax returns. However, the file only contains the signature pages for both years. Please provide the complete XXXX and XXXX personal tax return

XXX, XXX & XXX tax returns

04/21/2025

Lender provided XXXX, XXX and XXX tax returns that included schedule C for Borrower XXX and supports income calculated by Lender. Condition cleared.; Borrower XXX Personal Tax Returns Provided or Not Applicable (Number of Borrowers equals XXX); Borrower XXX Personal Tax Returns Missing The co-borrower was qualified with a monthly income of $XXX using a XXX-month average of XXX and XXX personal tax returns. However, the file only contains the signature pages for both years. Please provide the complete XXX and XXX personal tax return

04/23/2025

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX

Borrower has stable job time - Borrower has XXX years on job.

500000023

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Curative

04/15/2025

Resolved

FCRE3606

Credit

HMDA Data Tape Not Provided

Loan is pending HMDA data review. Additional conditions may apply.

HMDA review completed, no Level XXX findings noted, condition cleared.
; HMDA Data Tape Provided.

04/21/2025

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX

Borrower has stable job time - Borrower has XXX years on job.

500000050

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Curative

04/15/2025

Resolved

FCRE3606

Credit

HMDA Data Tape Not Provided

Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply.

HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided.

04/21/2025

500000066

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Curative

04/15/2025

Resolved

FCRE3606

Credit

HMDA Data Tape Not Provided

Loan is pending HMDA data review. Additional conditions may apply.

HMDA review completed, no Level XXX findings noted, condition cleared.
; HMDA Data Tape Provided.

04/21/2025

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX

Borrower has stable job time - Borrower has XXX years on job.

500000069

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Curative

04/15/2025

Resolved

FCRE5774

Credit

Borrower 1 Credit Report is Incomplete

Borrower 1 Credit Report is Partially Present. Missing proof of hazard insurance on former retained primary residence at XXX # XXX. Document should show property address and confirm if walls in coverage otherwise need master policy and separate coverage. Additional conditions may apply.

XX/XX/XXXX XXX: This unit is covered under the same policy that covers the subject property, borrower does not carry an separate insurance policy for this.

04/17/2025

Audit reviewed Lender's response and has determined the departing residence is in the same building as the subject property and is included in the master insurance policy in file that reflects insurance includes Walls in coverage. Condition cleared.; Borrower XXX Credit Report is not partially present.; Borrower XXX Credit Report is Partially Present. Missing proof of hazard insurance on former retained primary residence at XXX XXX. Document should show property address and confirm if walls in coverage otherwise need master policy and separate coverage. Additional conditions may apply.

05/23/2025

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX

500000069

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Curative

04/15/2025

Resolved

FCRE1437

Credit

Income and Employment Do Not Meet Guidelines

Income and Employment Do Not Meet Guidelines Missing proof of "other" income listed on DU approval for $XXX/mo. Provide explanation and documentation to confirm income. Additional conditions may apply.

XX/XX/XXXX XXX: The other income used is asset depletion. See XXX for the guidance that was followed.

04/17/2025

Audit reviewed Lender's response and has determined Borrower's asset ending in XXXX, is sufficient for asset depletion income. Condition cleared.; Income and Employment Meet Guidelines; Income and Employment Do Not Meet Guidelines Missing proof of "other" income listed on DU approval for $XXX/mo. Provide explanation and documentation to confirm income. Additional conditions may apply.

05/23/2025

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX

500000069

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Curative

04/15/2025

Resolved

FCRE3606

Credit

HMDA Data Tape Not Provided

Loan is pending HMDA data review. Additional conditions may apply.

HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided.

04/21/2025

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX

500000035

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Curative

04/15/2025

Resolved

FCRE3606

Credit

HMDA Data Tape Not Provided

Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply.

HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided.

04/21/2025

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX

Qualifying DTI below max allowed. - Calculated DTI of  XXX% is less than Guideline DTI of XXX% Calculated DTI of  XXX% is less than Guideline DTI of XXX%

Original CLTV is Below the Guideline Maximum - Calculated CLTV of  XXX% is less than Guideline CLTV of XXX% Calculated CLTV of  XXX% is less than Guideline CLTV of XXX%

Original LTV is Below the Guideline Maximum - Calculated LTV of  XXX% is less than Guideline LTV of XXX% Calculated LTV of  XXX% is less than Guideline LTV of XXX%

Borrower has stable job time - Borrower has  XXX years on job. Borrower has  XXX years on job.

500000041

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Curative

04/15/2025

Resolved

FCRE3606

Credit

HMDA Data Tape Not Provided

HMDA review completed, no Level XXX findings noted, condition cleared.
; HMDA Data Tape Provided.

04/21/2025

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX

Borrower has stable job time - Borrower has XXX years on job.

500000020

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Curative

04/16/2025

Resolved

FCOM3849

Compliance

Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1))

Appraisal Delivery; Appraisal Delivery Tracking

04/18/2025

Lender provided verification of Borrower’s receipt of appraisal. Condition cleared.; Evidence of appraisal delivery provided.

04/22/2025

Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Calculated DTI of XXX% is less than Guideline DTI of XXX%

Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job.

500000020

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Curative

04/15/2025

Resolved

FCRE3606

Credit

HMDA Data Tape Not Provided

Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply.

HMDA review completed, no Level XXX findings noted, condition cleared.
; HMDA review completed, no Level XXX findings noted, condition cleared.
; HMDA Data Tape Provided.

04/21/2025

500000115

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Loan Review Complete

04/16/2025

Resolved

FPRO1136

Property

Subject property appraisal is not on an as-is basis (Primary Value)

Primary Value Subject Property Appraisal is not on an As-Is Basis Appraisal was completed subject to completion and we are missing final inspection on file

; Document Uploaded. ; Document Uploaded. Documentation received, XXX to review.; Please see updated condition. Seller to provide 1004D. Thank you! ; Document Uploaded. Documentation received, XXX to review.;

04/24/2025

Primary Value Subject Property Appraisal is completed on an As-Is Basis or Not Applicable; Seller provided CDA. Please provided a XXXX D; Primary Value Subject Property Appraisal is not on an As-Is Basis

06/30/2025

500000115

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Loan Review Complete

04/16/2025

Resolved

FCRE9785

Credit

Purchase Contract is Incomplete

Loan Purpose is Purchase but Purchase Contract Doc is Incomplete Missing amendment to the contract verifying the final purchase price is $XXX

; Document Uploaded. Documentation received, XXX to review.;

04/23/2025

Purchase Contract Doc is complete.

06/30/2025

500000115

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Loan Review Complete

04/16/2025

Resolved

FPRO9990

Property

Third Party Valuation Product Not Provided within XXX% Tolerance

Third Party Valuation Product Not Provided or Not Provided Within Tolerance.

; Document Uploaded. Documentation received, XXX to review.; Seller to provide CDA

04/23/2025

Third party valuation product provided within tolerance.; Third Party Valuation Product Not Provided or Not Provided Within Tolerance.

06/30/2025

500000115

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Loan Review Complete

04/16/2025

Resolved

FCRE6019

Credit

Borrower 1 Citizenship Documentation not provided

Borrower 1 Citizenship Documentation Is Missing

; ;

04/24/2025

Citizenship Documentation is provided.

04/24/2025

500000115

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Loan Review Complete

04/24/2025

Resolved

FCOM3813

Compliance

Purchase Contract does not Match Final CD

The final CD does not reflect the correct sales price when compared to the Purchase Contract. Truth in Lending Act (Regulation Z)
12 CFR XXX(a)(3)(vii)

04/24/2025

The sales price on the Purchase Contract and Final CD match.

04/24/2025

500000115

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Loan Review Complete

04/16/2025

Resolved

FCRE1185

Credit

AUS Partially Provided

AUS Partially Provided AUS on file is not most recent. it does not match with final 1003 and has incorrect interest rate

; Document Uploaded. Documentation received, XXX to review.; Seller to provide AUS with correct interest rate XXX%. ;

04/23/2025

AUS is not incomplete

04/24/2025

500000115

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Loan Review Complete

04/18/2025

Resolved

FCRE0386

Credit

Borrower 1 Photo Identification not provided

Borrower 1 Photo Identification not provided.

; Document Uploaded. Documentation received, XXX to review.;

04/23/2025

Photo Identification provided.

04/24/2025

500000114

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Loan Review Complete

04/15/2025

Resolved

FCRE6914

Credit

Borrower 2 Citizenship Documentation not provided

Borrower 2 Citizenship Documentation Is Missing The file contains no identification verification for the co-borrower to verify legal status for residence and employment in the XXX.

; ; Document Uploaded. Documentation received, XXX to review.;

04/22/2025

Received valid borrower ID ; Citizenship Documentation is provided.

04/22/2025

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX

Borrower has stable job time - Borrower has XXX years on job.

Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%

Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%

500000114

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Loan Review Complete

04/15/2025

Resolved

FCRE6019

Credit

Borrower 1 Citizenship Documentation not provided

Borrower 1 Citizenship Documentation Is Missing The file contains no identification verification for the borrower to verify legal status for residence and employment in the XXX.

; ; Document Uploaded. Documentation received, XXX to review.;

04/22/2025

Received valid borrower ID ; Citizenship Documentation is provided.

04/22/2025

500000034

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Curative

04/16/2025

Resolved

FCRE3606

Credit

HMDA Data Tape Not Provided

Loan is pending HMDA data review. Additional conditions may apply.

HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided.

04/21/2025

Original LTV is Below the Guideline Maximum - Calculated LTV of  XXX% is less than Guideline LTV of XXX%

Original CLTV is Below the Guideline Maximum - Calculated CLTV of  XXX% is less than Guideline CLTV of XXX%

Qualifying DTI below max allowed. - Calculated DTI of XX.X% is less than Guideline DTI of XXX%

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX

Borrower has stable job time - Borrower has  XXX years on job.

500000083

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Curative

04/16/2025

Resolved

FCRE3606

Credit

HMDA Data Tape Not Provided

Loan is pending HMDA data review. Additional conditions may apply.

HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided.

04/21/2025

Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX

Borrower has stable job time - Borrower has XXX years on job.

500000064

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Curative

04/16/2025

Resolved

FCRE3606

Credit

HMDA Data Tape Not Provided

Loan is pending HMDA data review. Additional conditions may apply.

HMDA review completed, no Level XXX findings noted, condition cleared.
; HMDA Data Tape Provided.

04/21/2025

500000074

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Curative

04/17/2025

Resolved

finding-3532

Compliance

Initial Closing Disclosure Delivery Date Test

The initial CD issued at least XXX days prior to consummation is missing. This loan failed the initial closing disclosure delivery date test due to one of the following findings:( 12 CFR §XXX(f)(1)(ii) )The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than XXX business days (counting all calendar 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 XXX business days (counting all calendar 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 XXX business days (counting all calendar 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(f)(1)(i) no later than XXX business days before consummation.

XXX XX/XX/XXXX Please see the attached TRID Disclosure History and initial Closing disclosure that shows the borrower was sent the initial Closing Disclosure on XX/XX/XXXX and consented to it on XX/XX/XXXX. This meets the XXX business days before the closing date of XX/XX/XXXX

04/21/2025

Lender provided initial CD. Audit re-ran compliance and has determined fees are within tolerance. Condition cleared.; Lender provided initial CD. Audit re-ran compliance and has determined fees are within tolerance. Condition cleared.

04/22/2025

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX

Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%

Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%

500000074

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Curative

04/17/2025

Resolved

FCRE3606

Credit

HMDA Data Tape Not Provided

HMDA review completed, no Level XXX findings noted, condition cleared.
; HMDA Data Tape Provided.; Loan is pending HMDA data review. Additional conditions may apply. HMDA Tape Provided. The loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply.

04/21/2025

500000049

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Curative

04/16/2025

Resolved

FCRE5774

Credit

Borrower 1 Credit Report is Incomplete

Borrower 1 Credit Report is Partially Present. Potential undisclosed REO. Fraud reports shows borrower owns XXX. however, was not included on the 1003 for PITIA or in the DTI. Please provide a property profile or documentation that this property has been sold. Additional conditions may apply.

XX/XX/XXXX XXX: This is just borrower's previous residence prior to purchasing the subject. See attached, borrower is not the owner.

04/18/2025

Lender provided Data Tree search for property XXX verifying property is not owned by Borrower. Condition cleared.; Borrower XXX Credit Report is not partially present.

04/22/2025

Borrower has stable job time - Borrower has XXX years on job.

Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%

500000049

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Curative

04/16/2025

Resolved

FCRE3606

Credit

HMDA Data Tape Not Provided

HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided.

04/21/2025

Borrower has stable job time - Borrower has XXX years on job.

Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%

500000091

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Curative

04/16/2025

Cured

finding-3634

Compliance

Charges That Cannot Increase Test

This loan failed the charges that cannot increase test. (12 CFR §XXX(e)(3)(i))The loan contains charges that exceed the good faith determination according to §XXX(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §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)(1)(i). TILA 130b Cure Required. Refund in the amount of $XXX, cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The XXX% tolerance violation is due to the addition of the Appraisal Review Fee on the initial CD dated XX/XX/XXXX. COC in file dated XX/XX/XXXX does not detail a valid reason for additional charge. Please provide a valid COC or cure package.

PCCD and LOX and Check and Label

04/28/2025

Lender provided LOE, PCCD, copy of refund check and proof of delivery. Cured post close, loan will be graded a B.

04/29/2025

500000091

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Curative

04/16/2025

Resolved

FCRE3606

Credit

HMDA Data Tape Not Provided

Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply.

HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided.

04/21/2025

500000105

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Curative

04/17/2025

Resolved

FCRE3606

Credit

HMDA Data Tape Not Provided

HMDA review completed, no Level XXX findings noted, condition cleared.
; HMDA Data Tape Provided.

04/21/2025

500000065

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Curative

04/17/2025

Resolved

FCRE1148

Credit

Title Coverage is Less than Subject Lien

Title Coverage Amount of $XXX is Less than Total Amount of Subject Lien $XXXXXX

please see attached doc XXX

04/28/2025

Issue resolved as we have received the title with sufficient coverage. ; Title Coverage Amount of $XXX is equal to or greater than Total Amount of Subject Lien $XXXXXX

04/30/2025

Borrower has stable job time - Borrower has XXX years on job.

Original CLTV is Below the Guideline Maximum - Calculated CLTV of  XXX% is less than Guideline CLTV of XXX%

Qualifying DTI below max allowed. - Calculated DTI of  XXX% is less than Guideline DTI of XXX%

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX

Original LTV is Below the Guideline Maximum - Calculated LTV of  XXX% is less than Guideline LTV of XXX%

500000065

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Curative

04/17/2025

Resolved

FCRE3606

Credit

HMDA Data Tape Not Provided

Loan is pending HMDA data review. Additional conditions may apply.

HMDA review completed, no Level XXX findings noted, condition cleared.
; HMDA Data Tape Provided.

04/21/2025

500000025

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Curative

04/17/2025

Cured

finding-651

Compliance

TILA Finance Charge Test

This loan failed the TILA finance charge test.( 12 CFR §XXX(o)(2) )The finance charge is $XXX. The disclosed finance charge of $XXX is not considered accurate because it is understated by more than $XXX. TILA 130b Cure Required. Refund in the amount of $XXX cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery The finance charges include the following fees:

Lender Closing Fee paid by Borrower: $XXX
Tax Service Fee paid by Borrower: $XXX
Technology Fee paid by Borrower: $XXX
Title Courier Fee paid by Borrower: $XXX
Title Email Fee paid by Borrower: $XXX
Tie-in Fee paid by Borrower: $XXX
Recording Service Fee paid by Borrower: $XXX
Settlement or Closing Fee paid by Borrower: $XXX
Title Signing Fee paid by Borrower: $XXX
Sub-Escrow Fee paid by Borrower: $XXX
Title Wire [Wire Transfer Fee] paid by Borrower: $XXX
Prepaid Interest paid by Borrower: $XXX

The total finance charge fees total $XXX, as reflected on Mavent, and are only off by $XXX from the auditor's total finance charges of $XXX (Mavent reflects a courier fee of $XXX vs. $XXX listed on the final CD, pg. XXX). However, the calculated Finance Charge of $XXX, reflected on Mavent, exceeds the disclosed Finance Charge of $XXX, reflected on the Final CD, by $XXX. All in all, the audited Finance Charge of $XXX exceeds the disclosed Finance Charge of $XXX by $XXX. The Finance Charge Amount is underdisclosed by $XXX, and therefore, is not considered accurate because it is understated by more than $XXX.

Cure Docs; PCCD

05/01/2025

Lender provided LOE, PCCD, copy of refund check and proof of delivery. Cured post close, loan will be graded a B.; Lender provided PCCD reflecting a correction in fees. Please provide the final settlement statement to verify fees paid by the Borrower. Condition retained.

05/07/2025

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX

500000025

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Curative

04/17/2025

Resolved

FCRE3606

Credit

HMDA Data Tape Not Provided

Loan is pending HMDA data review. Additional conditions may apply.

HMDA Data Tape Provided.

04/21/2025

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX

500000028

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Curative

04/17/2025

Resolved

FCRE3606

Credit

HMDA Data Tape Not Provided

HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided.

04/21/2025

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX

500000079

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Curative

04/17/2025

Resolved

FCRE1185

Credit

AUS Partially Provided

AUS Partially Provided Rerun LP showing XXX year history of self employment and prior employment as system is asking for XXX yrs tax returns for B1 when business has only been in existence since XX/XX/XXXX. Tax returns and W2s were provided in the file but LP input needs to show correct requirements including prior regular employment.

Return shows that there is no sch E income for the B1.; This is a DU loan. See 1008 showing DU. Last findings run were DU. We provided the XXX W2 showing prior work history as well as a WVOE. The 1003 shows the prior employment as well.

05/02/2025

Condition resolved as we have received the second year tax returns. ; AUS is not incomplete; Audit reviewed Lender' response and has determined XXX year tax return is sufficient for XXX; however, bullet point #XXX and #XXX on the DU reflects XXX years tax returns are required for Borrower XXX for XXX. Please provide XXX years personal and business tax returns for Borrower XXX. Condition retained.; AUS Partially Provided Rerun LP showing two year history of self employment and prior employment as system is asking for XXX yrs tax returns for BX when business has only been in existence since XX/XX/XXXX. Tax returns and WXs were provided in the file but LP input needs to show correct requirements including prior regular employment. ; AUS Partially Provided Rerun LP showing two year history of self employment and prior employment as system is asking for XXX yrs tax returns for BX when business has only been in existence since XX/XX/XXXX. Tax returns and WXs were provided in the file but LP input needs to show correct requirements including prior regular employment.

05/07/2025

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX

Borrower has stable job time - Borrower has XXX years on job.

500000079

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Curative

04/17/2025

Resolved

FCRE3606

Credit

HMDA Data Tape Not Provided

Loan is pending HMDA data review. Additional conditions may apply.

HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided.

04/21/2025

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX

Borrower has stable job time - Borrower has XXX years on job.

500000024

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Curative

04/18/2025

Resolved

FCRE5774

Credit

Borrower 1 Credit Report is Incomplete

Borrower 1 Credit Report is Partially Present. Missing evidence of the sale of the property located at XXX . The settlement statement in the file is not signed nor certified by the title company. Additional conditions may apply.

sale of home cd

04/25/2025

Lender provided final certified settlement statement for sale of property XXX. Condition cleared.; Borrower XXX Credit Report is not partially present.; Borrower XXX Credit Report is Partially Present. Missing evidence of the sale of the property located at XXX XXX . The settlement statement in the file is not signed nor certified by the title company. Additional conditions may apply.

04/30/2025

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX

Borrower has stable job time - Borrower has XXX years on job.

500000024

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Curative

04/18/2025

Resolved

FCRE3606

Credit

HMDA Data Tape Not Provided

04/23/2025

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX

Borrower has stable job time - Borrower has XXX years on job.

500000101

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Curative

04/18/2025

Resolved

FCRE3606

Credit

HMDA Data Tape Not Provided

Loan is pending HMDA data review. Additional conditions may apply.

HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided.

04/23/2025

Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%

500000073

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Curative

04/21/2025

Resolved

FCRE1148

Credit

Title Coverage is Less than Subject Lien

Title Coverage Amount of $XXX is Less than Total Amount of Subject Lien $XXX. Please provide an updated policy. Additional conditions may apply.

Title Policy

04/25/2025

Lender provided title with coverage of $XXX. Condition cleared.; Title Coverage Amount of $XXX is equal to or greater than Total Amount of Subject Lien $XXX; Material Finding; Title Coverage Amount of $XXX is Less than Total Amount of Subject Lien $XXX Title Coverage Amount of $XXX is Less than Total Amount of Subject Lien $XXX. Please provide an updated policy. Additional conditions may apply.

04/30/2025

500000073

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Curative

04/21/2025

Resolved

FCRE3606

Credit

HMDA Data Tape Not Provided

04/23/2025

500000060

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Curative

04/18/2025

Cured

finding-3634

Compliance

Charges That Cannot Increase Test

LOX, PCCD, Fed Ex, Ck Copy

04/28/2025

Lender provided LOE, PCCD, copy of refund check and proof of delivery. Cured post close, loan will be graded a B.

04/29/2025

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX

Borrower has stable job time - Borrower has XXX years on job.

500000060

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Curative

04/18/2025

Resolved

FCRE3606

Credit

HMDA Data Tape Not Provided

04/23/2025

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX

Borrower has stable job time - Borrower has XXX years on job.

500000052

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Curative

04/18/2025

Resolved

FCOM3075

Credit

Missing US Patriot Act Disclosure or ID

Missing US Patriot Act Disclosure or ID.

Patriot Act ID Cert; US patriot act disclosure

04/25/2025

Lender provided completed Patriot Act form. Condition cleared.; US Patriot Act Disclosure or ID provided.; Lender provided Patriot Act Disclosure and Name and Signature affidavit; however, did not provide the completed Patriot Act form reflecting documentation used to identify the Borrower. Condition retained.; Missing US Patriot Act Disclosure or ID.

04/30/2025

500000052

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Curative

04/18/2025

Resolved

FCRE3606

Credit

HMDA Data Tape Not Provided

Loan is pending HMDA data review. Additional conditions may apply.

HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided.

04/30/2025

500000021

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Curative

04/18/2025

Resolved

FCRE3606

Credit

HMDA Data Tape Not Provided

Loan is pending HMDA data review. Additional conditions may apply.

HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided.

04/23/2025

Borrower has stable job time - Borrower has XXX years on job.

500000086

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Curative

04/21/2025

Resolved

FCRE3606

Credit

HMDA Data Tape Not Provided

Loan is pending HMDA data review. Additional conditions may apply.

HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided.

04/23/2025

500000033

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Curative

04/21/2025

Resolved

FCRE3606

Credit

HMDA Data Tape Not Provided

Loan is pending HMDA data review. Additional conditions may apply.

HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided.

04/23/2025

Borrower has stable job time - Borrower has XXX years on job.

Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX

Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%

Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%

500000087

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Curative

04/22/2025

Resolved

FCOM3849

Compliance

Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1))

XXX XX/XX/XXXX Please see attached disclosure signed by the borrower showing they received the appraisal at closing

04/23/2025

Lender provided verification of Borrower's receipt of appraisal. Condition cleared.

04/24/2025

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX

Borrower has stable job time - Borrower has XXX years on job.

500000087

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Curative

04/21/2025

Resolved

FCRE3606

Credit

HMDA Data Tape Not Provided

HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided.

04/23/2025

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX

Borrower has stable job time - Borrower has XXX years on job.

500000038

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Curative

04/22/2025

Resolved

FCRE3606

Credit

HMDA Data Tape Not Provided

Loan is pending HMDA data review. Additional conditions may apply.

HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided.

04/23/2025

500000078

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Curative

04/21/2025

Resolved

FCRE3606

Credit

HMDA Data Tape Not Provided

Loan is pending HMDA data review. Additional conditions may apply.

HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided.

04/23/2025

Borrower has stable job time - Borrower has XXX years on job.

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX

500000027

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Curative

04/22/2025

Resolved

FCRE3606

Credit

HMDA Data Tape Not Provided

HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided.

04/28/2025

Borrower has stable job time - Borrower has XX.X years on job.

Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%

500000084

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Curative

04/22/2025

Resolved

FCRE1148

Credit

Title Coverage is Less than Subject Lien

Title Coverage Amount of $XXX is Less than Total Amount of Subject Lien $XXX Please provide updated title. Additional conditions may apply.

XX/XX/XXXX XXX please see attached please clear thank you

05/06/2025

Lender provided title reflecting coverage of $XXX. Condition cleared.; Title Coverage Amount of $XXX is equal to or greater than Total Amount of Subject Lien $XXX

05/07/2025

Borrower has stable job time - Borrower has XXX years on job.

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX

500000084

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Curative

04/22/2025

Resolved

FCRE3606

Credit

HMDA Data Tape Not Provided

HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided.

04/28/2025

Borrower has stable job time - Borrower has XXX years on job.

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX

500000095

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Curative

04/22/2025

Resolved

FCRE3606

Credit

HMDA Data Tape Not Provided

HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided.

04/28/2025

Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%

Borrower has stable job time - Borrower has XXX years on job.

Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX

500000095

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Curative

04/22/2025

Resolved

FCRE1148

Credit

Title Coverage is Less than Subject Lien

Title Coverage Amount of $XXX is Less than Total Amount of Subject Lien $XXX Title Coverage Amount of $XXX is Less than Total Amount of Subject Lien $XXX. Please provide an updated policy. Additional conditions may apply.

Title Report with Supplemental Addendum

04/24/2025

Lender provided Title reflecting sufficient coverage of $XXX. Condition cleared.; Title Coverage Amount of $XXX is equal to or greater than Total Amount of Subject Lien $XXX

04/25/2025

500000106

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Curative

04/23/2025

Resolved

FCRE3606

Credit

HMDA Data Tape Not Provided

Loan is pending HMDA data review. Additional conditions may apply.

HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided.

04/28/2025

500000036

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Curative

04/24/2025

Resolved

FCRE3606

Credit

HMDA Data Tape Not Provided

Loan is pending HMDA data review. Additional conditions may apply.

HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided.

04/28/2025

500000030

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Curative

04/24/2025

Cured

finding-3634

Compliance

Charges That Cannot Increase Test

pccd docs, cure check and proof of mailing upld

05/05/2025

Condition cured. Received cure package for $XXX appraisal fee, copy of check, LOX, PCCD and evidence of mailing from lender. Non material Grade B. ; Condition cured. Received cure package for $XXX appraisal fee, copy of check, LOX, PCCD and evidence of mailing from lender. Non material Grade B.

05/07/2025

Borrower has stable job time - Borrower has XXX years on job.

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX

500000030

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Curative

04/25/2025

Resolved

FCRE3606

Credit

HMDA Data Tape Not Provided

HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided.

04/30/2025

Borrower has stable job time - Borrower has XXX years on job.

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX

500000093

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Curative

04/25/2025

Resolved

FCRE1148

Credit

Title Coverage is Less than Subject Lien

Title Coverage Amount of $XXX is Less than Total Amount of Subject Lien $XXX Provide title work to show corrected coverage of $XXX.

XX/XX/XXXX XXX-see attached

05/01/2025

Lender provided title reflecting coverage of $XXX. Condition cleared.; Title Coverage Amount of $XXX is equal to or greater than Total Amount of Subject Lien $XXX; Material Finding

05/02/2025

500000093

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Curative

04/25/2025

Resolved

FCRE3606

Credit

HMDA Data Tape Not Provided

Loan is pending HMDA data review. Additional conditions may apply.

HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided.

04/30/2025

500000044

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Curative

04/24/2025

Resolved

FCOM1266

Compliance

Homeownership Counseling Disclosure Is Missing

Homeownership Counseling Disclosure Is Missing Please provide Homeownership Counseling Disclosure

XXX XX/XX/XXXX Please see attached Homeownership Counseling Disclosure.

04/28/2025

Lender provided Homeownership Counseling disclosure. Condition cleared.; Homeownership Counseling Disclosure Is Present or Not Applicable

04/29/2025

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX

Borrower has stable job time - Borrower has XXX years on job.

500000044

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Curative

04/24/2025

Resolved

FCRE7497

Credit

Missing verification of taxes, insurance, and/or HOA fees for non-subject property

Missing proof of HOA or letter from borrower stating no HOA for ALL of the properties listed on the Final 1003-(XXX properties) Additional conditions may apply.

XX/XX/XXXX XXX: We confirmed each REO did not have an HOA, there is no guideline require for a borrower LOX to confirm this. Fraud report did not indicate any potential properties with an undisclosed HOA, there are no indications of HOA fees being paid out of borrowers assets, and we were unable to find any evidence supporting any of these had HOA fees associated. Please clear or clarify what is indicating any of the properties has an HOA.

04/28/2025

Audit reviewed Lender's response and has determined the schedule E verified XXX of the REO properties do not have HOA fees and audit property search of XXX supports property does not have HOA fees. Condition cleared.

04/29/2025

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX

Borrower has stable job time - Borrower has XXX years on job.

500000044

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Curative

04/24/2025

Resolved

FCRE3606

Credit

HMDA Data Tape Not Provided

Loan is pending HMDA data review. Additional conditions may apply.

HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided.

04/28/2025

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX

Borrower has stable job time - Borrower has XXX years on job.

500000077

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Curative

04/25/2025

Resolved

FCRE3606

Credit

HMDA Data Tape Not Provided

HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided.

04/30/2025

500000077

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Curative

04/25/2025

Resolved

FCRE5774

Credit

Borrower 1 Credit Report is Incomplete

Borrower 1 Credit Report is Partially Present. Missing HOA statement for the property located at XXX. XXX/XXX screenshot is not acceptable for HOA documentation. Please provide documentation from HOA, Statements, Appraisal, or LOE from the borrower. Additional conditions may apply.

XX/XX/XXXX XXX: Please see attached document that shows no HOA is associated wit this property.

04/29/2025

Issue resolved as we have received evidence of the HOA dues.

04/30/2025

500000063

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Curative

04/25/2025

Resolved

FCRE3606

Credit

HMDA Data Tape Not Provided

Loan is pending HMDA data review. Additional conditions may apply.

HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided.

04/30/2025

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX

Borrower has stable job time - Borrower has XXX years on job.

500000063

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Curative

04/25/2025

Resolved

FCRE7497

Credit

Missing verification of taxes, insurance, and/or HOA fees for non-subject property

Missing HOA or letter from borrower stating no HOA for the property at XXX. Additional conditions may apply.

XX/XX/XXXX XXX: Please see attached document that shows HOA ; XX/XX/XXXX XXX: Please see attached document that shows no HOA is associated wit this property.

04/29/2025

Issue resolved as we have received evidence of no HOA dues.

04/30/2025

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX

Borrower has stable job time - Borrower has XXX years on job.

500000076

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Curative

04/24/2025

Resolved

FCRE3606

Credit

HMDA Data Tape Not Provided

HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided.

04/28/2025

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX

Borrower has stable job time - Borrower has XXX years on job.

500000046

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Curative

04/25/2025

Resolved

FCRE3606

Credit

HMDA Data Tape Not Provided

Loan is pending HMDA data review. Additional conditions may apply.

HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided.

04/30/2025

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX

Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%

Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%

Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%

500000046

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Curative

04/25/2025

Resolved

FCRE7497

Credit

Missing verification of taxes, insurance, and/or HOA fees for non-subject property

Missing proof of HOA or letter from borrower stating no HOA for the property at XXX. Additional conditions may apply.

XX/XX/XXXX XXX: Please see attached document that shows no HOA is associated wit this property.

04/29/2025

Issue resolved as we have received evidence of no HOA dues.

04/30/2025

500000067

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Curative

04/25/2025

Resolved

FCRE3606

Credit

HMDA Data Tape Not Provided

Loan is pending HMDA data review. Additional conditions may apply.

HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided.

04/30/2025

Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX

Qualifying DTI below max allowed. - Calculated DTI of XX.X% is less than Guideline DTI of XXX%

Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%

Borrower has stable job time - Borrower has XXX years on job.

500000067

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Curative

04/25/2025

Resolved

finding-3652

Compliance

Lender Credits That Cannot Decrease Test

This loan failed the lender credits that cannot decrease test. ( 12 CFR §XXX(e)(3)(i) )The loan contains charges that exceed the good faith determination according to §XXX(e)(3)(i). The final sum of specific and non-specific lender credits ($XXX) does not exceed or equal the comparable sum of specific and non-specific lender credits ($XXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX(e)(1)(i). TILA 130b Cure Required. Lender credit decreased from $XXX on LE XX/XX/XXXX to $XXX on the final CD XX/XX/XXXX. Timing issue related to missing the initial CD XXX days prior to loan consummation.

XXX XX/XX/XXXX: Please see attached COC for loan amount change, and corresponding disclosure. On XXX the loan amount changed, negative pricing disclosed on the XXX CD.

04/29/2025

Issue resolved as we have received the valid COC for the loan amount change and the discount points that cause credit decrease. ; Issue resolved as we have received the valid COC for the loan amount change and the discount points that cause credit decrease.

04/30/2025

500000067

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Curative

04/25/2025

Resolved

finding-3532

Compliance

Initial Closing Disclosure Delivery Date Test

This loan failed the initial closing disclosure delivery date test due to one of the following findings:( 12 CFR §XXX(f)(1)(ii) )The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than XXX business days (counting all calendar 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 XXX business days (counting all calendar 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 XXX business days (counting all calendar 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(f)(1)(i) no later than XXX business days before consummation. Documentation required to clear exception. Initial CD issued at least XXX days prior to loan consummation is missing from the loan file.

XXX XX/XX/XXXX: Please see the attached CD

04/29/2025

Issue resolved as we have received the missing Initial CD. ; Issue resolved as we have received the missing Initial CD.

04/30/2025

500000099

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Curative

04/24/2025

Resolved

FCRE1437

Credit

Income and Employment Do Not Meet Guidelines

Income and Employment Do Not Meet Guidelines Capital gains are being used as income totaling $XXX/mo. XXX yrs personal returns were provided to confirm a XXX yr history and assets of $XXX were verified which would not be sufficient to show continuance of $XXX/mo. Lender explanation is insufficient without documentation to confirm assets. All businesses have under XXX% ownership so only K1's were provided. DU approval requires " current evidence that the borrower owns additional property or assets that can be sold for extra income if needed to make future mortgage payments" Lender to provide detailed explanation of additional assets and documentation to confirm those assets. Additional conditions may apply.

XX/XX/XXXX XXX: Majority of this income came from partnerships, XXX, estates, and trusts from Schedule(s) K-1. Borrower has ownership in many different business, there is XXX pages of statement 2 listing them all. This is sufficient to show borrower's capability to keep selling off interest to maintain this level of capital gains for the next XXX years.

04/28/2025

Issue resolved as the borrower has many avenues of income listed and statements that are valid for use, condition has been resolved. ; Income and Employment Meet Guidelines

04/30/2025

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX

Borrower has stable job time - Borrower has XXX years on job.

Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%

500000099

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Curative

04/24/2025

Resolved

FCRE3606

Credit

HMDA Data Tape Not Provided

Loan is pending HMDA data review. Additional conditions may apply.

HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided.

04/28/2025

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX

Borrower has stable job time - Borrower has XXX years on job.

Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%

500000039

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Curative

04/26/2025

Resolved

FCRE3606

Credit

HMDA Data Tape Not Provided

Loan is pending HMDA data review. Additional conditions may apply.

HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided.

04/30/2025

500000098

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Curative

04/25/2025

Resolved

FCRE3606

Credit

HMDA Data Tape Not Provided

Loan is pending HMDA data review. Additional conditions may apply.

HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided.

04/30/2025

500000075

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Curative

04/24/2025

Resolved

FCRE1201

Credit

Third Party Fraud Report not Provided

Missing Third Party Fraud Report.

Uploaded Fraud Guard. Thank you

04/28/2025

Lender provided Fraud report. Condition cleared.; Third Party Fraud Report is provided

04/30/2025

500000075

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Curative

04/24/2025

Resolved

FCRE3606

Credit

HMDA Data Tape Not Provided

Loan is pending HMDA data review. Additional conditions may apply.

HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided.

04/28/2025

500000026

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Curative

04/24/2025

Resolved

FCRE3606

Credit

HMDA Data Tape Not Provided

Loan is pending HMDA data review. Additional conditions may apply.

HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided.

04/28/2025

500000037

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Curative

04/26/2025

Resolved

FCRE3606

Credit

HMDA Data Tape Not Provided

Loan is pending HMDA data review. Additional conditions may apply.

HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided.

04/30/2025

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX

Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%

Borrower has stable job time - Borrower has XXX years on job.

Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%

500000022

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Curative

04/25/2025

Resolved

finding-3635

Compliance

Charges That In Total Cannot Increase More Than XXX% Test

PCCD

05/01/2025

Lender provided LOE and PCCD that matches the final settlement Statement in file reflecting recording fees of $XXX. Condition cleared.; Lender provided LOE and PCCD that matches the final settlement Statement in file reflecting recording fees of $XXX. Condition cleared.

05/07/2025

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX

500000022

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Curative

04/28/2025

Resolved

FCRE3606

Credit

HMDA Data Tape Not Provided

Loan is pending HMDA data review. Additional conditions may apply.

HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided.

04/30/2025

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX

500000070

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Curative

04/29/2025

Resolved

FCRE1484

Credit

Asset 6 Does Not Meet Guideline Requirements

Asset 6 Does Not Meet Guideline Requirements Lender to provide new gift letter. Gift letter shows gift of $XXX but actual deposit into borrowers account is $XXX.

gift letter

05/06/2025

Received updated corrected Gift letter, resolved. ; Asset XXX Meets Guideline Requirements Or Not Applicable

05/07/2025

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX

Borrower has stable job time - Borrower has XXX years on job.

500000070

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Curative

04/29/2025

Resolved

FCRE3606

Credit

HMDA Data Tape Not Provided

Loan is pending HMDA data review. Additional conditions may apply.

HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided.

04/30/2025

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX

Borrower has stable job time - Borrower has XXX years on job.

500000055

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Curative

04/28/2025

Resolved

FCRE1148

Credit

Title Coverage is Less than Subject Lien

Title Coverage Amount of $XXX is Less than Total Amount of Subject Lien $XXX. Please provide a title update showing sufficient coverage. Additional conditions may apply.

Supplement attached

05/01/2025

Resolved as we have received evidence from title company for correct title amount. ; Title Coverage Amount of $XXX is equal to or greater than Total Amount of Subject Lien $XXX; Material Finding

05/07/2025

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX

Borrower has stable job time - Borrower has XXX years on job.

500000055

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Curative

04/28/2025

Resolved

finding-3532

Compliance

Initial Closing Disclosure Delivery Date Test

ICD and audit trail

05/01/2025

Condition resolved as we have received the missing initial CD along with evidence of receipt. ; Condition resolved as we have received the missing initial CD along with evidence of receipt.

05/07/2025

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX

Borrower has stable job time - Borrower has XXX years on job.

500000055

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Curative

04/28/2025

Resolved

FCRE1485

Credit

Asset 7 Does Not Meet Guideline Requirements

Asset 7 Does Not Meet Guideline Requirements Gift funds in the amount of $XXX are not sourced per AUS line XXX Verify gift by obtaining a signed gift letter (in file), document the transfer of funds and ensure the gift comes from an eligible source. Additional conditions may apply.

wire receipt attached

05/01/2025

Condition resolved as we have received the source documentation for the gift. ; Asset XXX Meets Guideline Requirements Or Not Applicable

05/07/2025

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX

Borrower has stable job time - Borrower has XXX years on job.

500000055

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Curative

04/28/2025

Resolved

FCRE3606

Credit

HMDA Data Tape Not Provided

HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided.

04/30/2025

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX

Borrower has stable job time - Borrower has XXX years on job.

500000053

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Curative

04/29/2025

Resolved

FCRE3606

Credit

HMDA Data Tape Not Provided

Loan is pending HMDA data review. Additional conditions may apply.

HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided.

04/30/2025

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX

500000071

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Curative

04/28/2025

Resolved

FCRE1192

Credit

Audited Reserves are less than AUS Required Reserves (Number of Months)

Audited Reserves of XXX month(s) are less than AUS Required Reserves of XXX month(s) Audited Reserves of XXX month(s) are less than Required Reserves of XXX month(s) per lender overlays. Lender did not use the most recent months ending balance of $XXX and instead used $XXX for acct. ending in XXX.

XX/XX/XXXX XXX: Please see attached copy of XXX statement; XX/XX/XXXX XXX: Please see attached copy of XXX statement

05/08/2025

Lender provided additional asset documentation. Condition cleared.; Audited Reserves of XXX month(s) are greater than or equal to AUS Required Reserves of XXX month(s)

05/09/2025

500000071

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Curative

04/28/2025

Resolved

FCRE1148

Credit

Title Coverage is Less than Subject Lien

Title Coverage Amount of $XXX is Less than Total Amount of Subject Lien $XXX. Please provide an updated policy.

XX/XX/XXXX SW-see attached

05/01/2025

Lender provided title policy reflecting coverage of $XXX. Condition cleared.; Title Coverage Amount of $XXX is equal to or greater than Total Amount of Subject Lien $XXX; Material Finding

05/02/2025

500000071

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Curative

04/28/2025

Resolved

FCRE3606

Credit

HMDA Data Tape Not Provided

HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided.

04/30/2025

500000045

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Curative

04/28/2025

Resolved

FCRE3606

Credit

HMDA Data Tape Not Provided

Loan is pending HMDA data review. Additional conditions may apply.

HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided.

04/30/2025

500000047

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Curative

04/28/2025

Resolved

FCOM3849

Compliance

Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1))

XXX XX/XX/XXXX Disagree - Our Contract states that XXX will buy HPML as long as all the requirements were met as they were on this loan. Please see the attached documents which shows the borrower received the Appraisal in the final closing package pages XXX

04/30/2025

Lender provided the closing package dated XX/XX/XXXX, that included the appraisal and indicated the appraisal was provided with the closing package. Condition cleared.; Evidence of appraisal delivery provided.; Material Finding

05/07/2025

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX

Borrower has stable job time - Borrower has XXX years on job.

500000047

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Curative

04/28/2025

Resolved

finding-3532

Compliance

Initial Closing Disclosure Delivery Date Test

Documentation required to clear exception. Initial CD issued at least XXX days prior to consummation is missing from the loan file. Please provide copy of the initial CD and verification borrower acknowledged XXX days prior to consummation. This loan failed the initial closing disclosure delivery date test due to one of the following findings:( 12 CFR §XXX(f)(1)(ii) )The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than XXX business days (counting all calendar 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 XXX business days (counting all calendar 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 XXX business days (counting all calendar 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(f)(1)(i) no later than XXX business days before consummation.

XXX XX/XX/XXXX Please see the attached Closing Disclosure and TRID worksheet with proof that both borrowers were sent an Initial Closing Disclosure on XXX and the mailbox rule was applied. This meets the XXX business days before the closing date of XXX.

04/30/2025

Lender provided initial CD. Condition cleared.; Lender provided initial CD. Condition cleared.

05/07/2025

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX

Borrower has stable job time - Borrower has XXX years on job.

500000047

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Curative

04/29/2025

Resolved

FCRE3606

Credit

HMDA Data Tape Not Provided

Loan is pending HMDA data review. Additional conditions may apply.

HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided.

04/30/2025

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX

Borrower has stable job time - Borrower has XXX years on job.

500000092

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Curative

04/28/2025

Resolved

FCRE3606

Credit

HMDA Data Tape Not Provided

Loan is pending HMDA data review. Additional conditions may apply.

HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided.

04/30/2025

Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%

Borrower has stable job time - Borrower has XXX years on job.

500000048

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Curative

04/28/2025

Resolved

FCRE7497

Credit

Missing verification of taxes, insurance, and/or HOA fees for non-subject property

Missing HOA or letter from borrower stating no HOA for the property at XXX. Additional conditions may apply.

XX/XX/XXXX - XXX: Please see attached. There is no active HOA for this property per the loan integrity report.

04/30/2025

Lender provided property search through FraudGUARD for property XXX Altadena reflecting property does not have HOA fees. Condition cleared.

05/07/2025

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX

500000048

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Curative

04/28/2025

Resolved

FCRE3606

Credit

HMDA Data Tape Not Provided

Loan is pending HMDA data review. Additional conditions may apply.

HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided.

04/30/2025

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX

500000057

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Curative

04/29/2025

Resolved

FCRE7497

Credit

Missing verification of taxes, insurance, and/or HOA fees for non-subject property

Missing HOA or letter from borrower stating no HOA for the property at XXX. Additional conditions may apply.

XX/XX/XXXX - XXX - Please see the attached document confirming monthly HOA dues of $XXX and loan integrity report. The document can be tied to XXX. via the loan integrity report, which confirms "XXX" as the legal description/neighborhood name.

04/30/2025

Lender provided verification of HOA fees for property XXX XXX XXX. Condition cleared.

05/07/2025

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX

500000057

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Curative

04/29/2025

Resolved

FCRE3606

Credit

HMDA Data Tape Not Provided

Loan is pending HMDA data review. Additional conditions may apply.

HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided.

04/30/2025

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX

500000081

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Curative

04/28/2025

Resolved

FCRE3606

Credit

HMDA Data Tape Not Provided

Loan is pending HMDA data review. Additional conditions may apply.

HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided.

04/30/2025

500000094

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Curative

04/29/2025

Resolved

FCRE1437

Credit

Income and Employment Do Not Meet Guidelines

Income and Employment Do Not Meet Guidelines The borrower owns XXX Schedule C businesses, however the borrower received W-2s from Schedule C businesses. Please provide explanation for the borrower's Schedule C businesses are receiving W2 income.

XX/XX/XXXX XXX: Looking at the W2 and SCH C returns the businesses are different. They have different EIN numbers.; XX/XX/XXXX XXX: Looking at the W2 and SCH C returns the businesses are different. They have different EIN numbers.; XX/XX/XXXX XXX: Looking at the W2 and SCH C returns the businesses are different. They have different EIN numbers.

05/06/2025

Resolved as we have received explanation for the WX and Sch C names form lender. ; Income and Employment Meet Guidelines

05/07/2025

Original LTV is Below the Guideline Maximum - Calculated LTV of  XXX% is less than Guideline LTV of XXX% Calculated LTV of  XXX% is less than Guideline LTV of XXX%

Borrower has stable job time - Borrower has  XXX years on job. Borrower has  XXX years on job.

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX

Original CLTV is Below the Guideline Maximum - Calculated CLTV of  XXX% is less than Guideline CLTV of XXX% Calculated CLTV of  XXX% is less than Guideline CLTV of XXX%

500000094

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Curative

04/29/2025

Resolved

FCRE3606

Credit

HMDA Data Tape Not Provided

Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply.

HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided.

04/30/2025

500000059

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Curative

04/29/2025

Resolved

FCRE7497

Credit

Missing verification of taxes, insurance, and/or HOA fees for non-subject property

Missing proof of Taxes and Insurance for the property at XXX. Mortgage statement in file doesn't break out the tax and insurance so need separate statements. Additional conditions may apply.

invalid condition, pgXXX of mtg stmnt shows disbursements - City tax $XXX, County $XXX and HOI $XXX.

05/01/2025

Audit reviewed Lender's response and has determined the mortgage statement on page XXX of the loan file reflects an escrow breakdown verifying escrows include both taxes and insurance. Condition cleared.

05/06/2025

Borrower has stable job time - Borrower has XXX years on job.

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX

500000059

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Curative

04/29/2025

Resolved

FCRE3606

Credit

HMDA Data Tape Not Provided

Loan is pending HMDA data review. Additional conditions may apply.

HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided.

05/05/2025

Borrower has stable job time - Borrower has XXX years on job.

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX

500000072

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Curative

04/29/2025

Resolved

FCRE3606

Credit

HMDA Data Tape Not Provided

Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply.

HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided.

06/17/2025

Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job.

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX

500000072

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Curative

04/29/2025

Resolved

FCRE5774

Credit

Borrower 1 Credit Report is Incomplete

Borrower 1 Credit Report is Partially Present. Missing HOA statement for the properties at XXX and XXX. If not applicable, a LOE stating there are no HOA dues is required.
The mortgage statement for the property at XXX does not specify if both taxes and insurance are escrowed. Please provide tax certificate and insurance policy.

Full credit fill attached. This was included in the original doc package. HOA LOE attached. This was also included in the orig doc pkg. See tax statement for XXX. You can see that both taxes and insurance are escrowed.

05/06/2025

Resolved as we have received the missing evidence of PITI and HOA dues from the lender. ; Borrower XXX Credit Report is not partially present.

05/07/2025

500000088

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Curative

04/30/2025

Resolved

FCRE3606

Credit

HMDA Data Tape Not Provided

Loan is pending HMDA data review. Additional conditions may apply.

HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided.

05/05/2025

500000090

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Curative

05/01/2025

Resolved

FPRO9990

Property

Third Party Valuation Product Not Provided within XXX% Tolerance

Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Missing CDA. Please provide CDA.

CDA

05/09/2025

Third party valuation product provided within tolerance.

06/30/2025

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX

Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Calculated LTV of XXX% is less than Guideline LTV of XXX%

Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Calculated CLTV of XXX% is less than Guideline CLTV of XXX%

Borrower has stable job time - Borrower has XX.X years on job. Borrower has XX.X years on job.

500000090

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Curative

05/01/2025

Resolved

FCRE3606

Credit

HMDA Data Tape Not Provided

Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply.

HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided.

05/05/2025

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX

Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Calculated LTV of XXX% is less than Guideline LTV of XXX%

Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Calculated CLTV of XXX% is less than Guideline CLTV of XXX%

Borrower has stable job time - Borrower has XX.X years on job. Borrower has XX.X years on job.

500000056

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Curative

04/30/2025

Resolved

FCRE3606

Credit

HMDA Data Tape Not Provided

HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided.

05/05/2025

500000119

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Loan Review Complete

500000120

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Loan Review Complete

500000096

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Curative

05/01/2025

Resolved

FCRE3606

Credit

HMDA Data Tape Not Provided

Loan is pending HMDA data review. Additional conditions may apply.

HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided.

05/05/2025

500000016

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Curative

05/02/2025

Resolved

FCRE3606

Credit

HMDA Data Tape Not Provided

Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply.

HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided.

05/05/2025

Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job.

Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Calculated DTI of XXX% is less than Guideline DTI of XXX%

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX

500000029

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Curative

05/02/2025

Resolved

FCRE3606

Credit

HMDA Data Tape Not Provided

Loan is pending HMDA data review. Additional conditions may apply.

HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided.

05/07/2025

500000042

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Curative

05/04/2025

Resolved

FCRE5774

Credit

Borrower 1 Credit Report is Incomplete

Borrower 1 Credit Report is Partially Present. Per fraud report, the borrower owns the property at XXX. There is a LOE from the borrower stating that they don't own the property, however this does not suffice. Please provide property profile report or any supporting documentation reflecting the borrowers do not own the property stated above.

attached

05/07/2025

Lender provided Property Detail Report and Warranty Deed reflecting Borrowers sold property XXX prior to the subject loan closing. Condition cleared.; Borrower XXX Credit Report is not partially present.

05/09/2025

Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job.

Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Calculated 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 Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX

Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Calculated LTV of XXX% is less than Guideline LTV of XXX%

500000042

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Curative

05/04/2025

Resolved

FCRE3606

Credit

HMDA Data Tape Not Provided

Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply.

HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided.

05/07/2025

500000061

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Curative

05/04/2025

Resolved

FCRE3606

Credit

HMDA Data Tape Not Provided

Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply.

HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided.

05/07/2025

Original LTV is Below the Guideline Maximum - Calculated LTV of  XXX% is less than Guideline LTV of XXX% Calculated LTV of  XXX% is less than Guideline LTV of XXX%

Borrower has stable job time - Borrower has  XXX years on job. Borrower has  XXX years on job.

Original CLTV is Below the Guideline Maximum - Calculated CLTV of  XXX% is less than Guideline CLTV of XXX% Calculated 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 Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX

500000121

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Loan Review Complete

05/02/2025

Cured

finding-3635

Compliance

Charges That In Total Cannot Increase More Than XXX% Test

; ; Documentation received, XXX to review.; Document Uploaded. pccd and payment history

05/15/2025

Cure package provided to the borrower; exception downgraded to a X/B

05/15/2025

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX

500000123

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Loan Review Complete

500000122

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Loan Review Complete

500000124

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Loan Review Complete

500000097

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Curative

05/07/2025

Resolved

FCRE3606

Credit

HMDA Data Tape Not Provided

Loan is pending HMDA data review. Additional conditions may apply.

HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided.

05/12/2025

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX

Borrower has stable job time - Borrower has XXX years on job.

500000125

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Loan Review Complete

500000068

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Curative

05/08/2025

Resolved

FCRE1316

Credit

Borrower 1 3rd Party VOE Prior to Close Missing

Borrower 1 3rd Party VOE Prior to Close Missing The DU findings on page XXX, item XXX, state that a verbal, written, or email verification of employment must be obtained within XXX calendar days of the note date for self-employed borrowers. Although the file includes a business search on page XXX, the document is not dated; therefore, it cannot be confirmed that it was obtained within the required timeframe.

3rd Party Verify showing Date

05/09/2025

Lender provided business search dated post close, which meets AUS and FNMA requirements. Condition cleared.; Borrower XXX Xrd Party VOE Prior to Close Was Provided

05/14/2025

Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%

Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX

Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%

Borrower has stable job time - Borrower has XXX years on job.

500000068

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Curative

05/08/2025

Resolved

FCRE3606

Credit

HMDA Data Tape Not Provided

Loan is pending HMDA data review. Additional conditions may apply.

HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided.

05/12/2025

500000102

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Curative

05/08/2025

Resolved

finding-3634

Compliance

Charges That Cannot Increase Test

uploaded to other condition.

05/13/2025

Lender provided Initial CD. Audit re-ran compliance and has determined fees are within tolerance. Condition cleared.

05/14/2025

500000102

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Curative

05/08/2025

Resolved

finding-3532

Compliance

Initial Closing Disclosure Delivery Date Test

This loan failed the initial closing disclosure delivery date test due to one of the following findings:( 12 CFR §XXX(f)(1)(ii) )The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than XXX business days (counting all calendar 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 XXX business days (counting all calendar 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 XXX business days (counting all calendar 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(f)(1)(i) no later than XXX business days before consummation. Documentation required to clear exception. Missing a copy of the initial Closing Disclosure. Per the lenders compliance report the initial CD was issued XX/XX/XXXX and is missing from the loan file. Please provide a copy of the initial CD issued and acknowledged by the borrower at least XXX days prior to loan consummation.

initial CD

05/13/2025

Lender provided Initial CD. Condition cleared.

05/14/2025

500000102

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Curative

05/08/2025

Resolved

FCRE3606

Credit

HMDA Data Tape Not Provided

Loan is pending HMDA data review. Additional conditions may apply.

HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided.

05/12/2025

500000127

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Loan Review Complete

05/06/2025

Resolved

FCOM1233

Credit

The Final 1003 is Incomplete

The Final 1003 is Incomplete The Borrower owns two business. Income from one was used to qualify for the loan, while loss from the other was deducted from the qualifying income. However, the final loan application reflects only one of the businesses. Since the loss from the second business impacted the qualifying income, it should also be included on the loan application. Please provide an updated loan application that lists the secondary business with its associated losses.

; ; Documentation received, XXX to review.; Document Uploaded. The 1003 has been updated to show the secondary self-employment; however, our system does not allow negative income to be entered on the 1003 which is why the income was deducted from the primary income. ; Seller to provide updated 1003 with XXX loss. ;

05/14/2025

The Final XXX is Present

05/14/2025

Borrower has stable job time - Borrower has XX.X years on job.

Original LTV is Below the Guideline Maximum - Calculated LTV of  XXX% is less than Guideline LTV of XXX%

Qualifying DTI below max allowed. - Calculated DTI of  XXX% is less than Guideline DTI of  XXX%

Original CLTV is Below the Guideline Maximum - Calculated CLTV of  XXX% is less than Guideline CLTV of XXX%

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX

500000126

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Loan Review Complete

05/06/2025

Waived

FCOM3849

Compliance

Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1))

;

05/19/2025

Client acknowledges EVX/B finding. Exception status changed to Waived per client’s email request.

05/19/2025

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX

Borrower has stable job time - Borrower has XXX years on job.

500000126

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Loan Review Complete

05/07/2025

Resolved

FCRE1254

Credit

Property Title Issue

Property Title Issue Lis Pendens recorded XX/XX/XXXX affects title to real property. The Note associated with this filing was paid at close in the amount of $XXX, but the loan file does not contain evidence that the lis pendens has been released.

; ; Documentation received, XXX to review.; Document Uploaded. The attached docs were included in the bundle sent to you. This was paid off at closing per the divorce decree. The original note, final CD and payoff show ; ;

05/19/2025

Provided documentation confirms lien has been paid off. Closing Disclosure reflects payoff as well. Finding resolved ; Property Title Issue Resolved

05/19/2025

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX

Borrower has stable job time - Borrower has XXX years on job.

500000128

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Loan Review Complete

05/07/2025

Waived

FCRE3843

Credit

Guideline Seasoning not Met

The required number of months reserves are to be seasoned does not meet Guideline requirement. Borrower has XXX months reserves. Guideline requirement is XXX months for a FTHB

05/08/2025

Waived per client request via email. Client accepts risk for B grade and acknowledges the following three (X) compensating factors for this purpose: X) Borrower has X+ years on job X) XXX% DTI, and X) XXX FICO.

05/08/2025

Qualifying FICO is Greater than the Guideline Minimum

Qualifying DTI below max allowed.

Borrower has stable job time

500000128

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Loan Review Complete

05/07/2025

Waived

FCRE9995

Credit

Audited Reserves are less than Guideline Required Reserves (Dollar Amount)

Audited Reserves of $XXX are less than Guideline Required Reserves of $XXX. Borrower has XXX months reserves. Guideline requirement is XXX months for a FTHB

;

05/08/2025

Qualifying FICO is Greater than the Guideline Minimum

Qualifying DTI below max allowed.

Borrower has stable job time

500000128

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Loan Review Complete

05/07/2025

Resolved

FCRE1497

Credit

ATR: Reasonable Income or Assets Not Considered

ATR: Reasonable Income or Assets Not Considered Borrower has XXX months reserves. Guideline requirement is XXX months for a XXX

05/08/2025

ATR: Reasonable Income or Assets Was Considered

05/08/2025

Qualifying FICO is Greater than the Guideline Minimum

Qualifying DTI below max allowed.

Borrower has stable job time

500000080

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Curative

05/12/2025

Resolved

FCRE1394

Credit

Borrower 3 Executed 4506-T Missing

Borrower 3 Executed 4506-T Missing Missing 4506 T for B3.

XXX 4506C and summary cert

05/14/2025

Lender provided XXX-C for Borrower X. Condition cleared.; Borrower XXX Executed XXX Provided or Not Applicable (Number of Borrowers equals X)

05/15/2025

Original LTV is Below the Guideline Maximum - Calculated LTV of  XXX% is less than Guideline LTV of XXX%

Qualifying DTI below max allowed. - Calculated DTI of  XXX% is less than Guideline DTI of XXX%

Original CLTV is Below the Guideline Maximum - Calculated CLTV of  XXX% is less than Guideline CLTV of XXX%

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX

500000080

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Curative

05/12/2025

Resolved

FPRO1242

Property

Appraisal is Missing

Appraisal is Missing. Full appraisal is required and was not submitted in the file. Additional conditions may apply.

Appraisal

05/13/2025

Lender provided appraisal. Condition cleared.; Appraisal is Present or is Waived

05/14/2025

500000080

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Curative

05/12/2025

Resolved

FCOM3849

Compliance

Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1))

Appraisal Disclosure Tracking

05/13/2025

Lender provided verification of Borrower's receipt of appraisal. Condition cleared.; Evidence of appraisal delivery provided.

05/14/2025

500000080

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Curative

05/12/2025

Resolved

FCRE3606

Credit

HMDA Data Tape Not Provided

Loan is pending HMDA data review. Additional conditions may apply.

HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided.

05/14/2025

500000129

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Loan Review Complete

05/08/2025

Waived

FCOM3849

Compliance

Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1))

;

05/12/2025

Client acknowledges EVX/B finding. Exception status changed to Waived per client’s email request.

05/12/2025

500000032

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Curative

05/12/2025

Resolved

FCRE3606

Credit

HMDA Data Tape Not Provided

HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided.

05/14/2025

Borrower has stable job time - Borrower has XXX years on job.

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX

500000040

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Curative

05/12/2025

Resolved

FCRE3606

Credit

HMDA Data Tape Not Provided

Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply.

HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided.

05/14/2025

500000031

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Curative

05/12/2025

Resolved

FCRE3606

Credit

HMDA Data Tape Not Provided

Loan is pending HMDA data review. Additional conditions may apply.

HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided.

05/14/2025

Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%

Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX

Borrower has stable job time - Borrower has XXX years on job.

500000005

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Loan Review Complete

05/13/2025

Cured

finding-3635

Compliance

Charges That In Total Cannot Increase More Than XXX% Test

TILA XXX Cure Required. Refund in the amount of $XXX, cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The XXX% tolerance violation in the amount of $XXX is due the service provider from the SSPL was used. The notary fee increased and the Escrow service fee was added This loan failed the charges that in total cannot increase more than XXX% test. (12 CFR §XXX(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §XXX(e)(3)(ii). The final charges that in total cannot increase more than XXX% ($XXX) exceed the comparable charges ($XXX) by more than XXX%. Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §XXX(e)(1)(i) by more than XXX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §XXX(e)(1)(vi).

; ; Documentation received, XXX to review.; Document Uploaded. PCCD and payment history

05/19/2025

Cure package provided to the borrower; exception downgraded to a X/B

05/19/2025

500000131

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Loan Review Complete

05/13/2025

Resolved

FCOM9186

Compliance

eSigned Documents Consent is Missing

The eSigned consent disclosure is missing. The electronic delivery consent script in file is not for the borrowers. The Onespan Esign information does not show the first disclosure set

; ; Documentation received, XXX to review.; Document Uploaded. Please see attached earliest econsent on attached audit trail.;

05/15/2025

E consent provided, exception resolved; Evidence of eConsent is provided.

05/15/2025

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX

Original CLTV is Below the Guideline Maximum - Calculated CLTV of  XXX% is less than Guideline CLTV of XXX%

Borrower has stable job time - Borrower has  XXX years on job.

Original LTV is Below the Guideline Maximum - Calculated LTV of  XXX% is less than Guideline LTV of XXX%

500000117

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Loan Review Complete

05/16/2025

Resolved

FCRE0388

Credit

Borrower 3 Photo Identification not provided

Borrower 3 Photo Identification not provided. There is no Photo Identification documents for the third borrower. There is also no USA Patriot Act Information Form for this borrower in file.

; ; Documentation received, XXX to review.; Document Uploaded. ;

05/22/2025

Power of attorney provide, BX was not present at closing ; Photo Identification provided.

05/22/2025

Borrower has stable job time - Borrower has XXX years on job.

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX

500000134

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Loan Review Complete

500000133

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Loan Review Complete

500000132

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Loan Review Complete

500000004

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Loan Review Complete

05/21/2025

Resolved

FCRE1185

Credit

AUS Partially Provided

AUS Partially Provided The provided AUS dated XX/XX/XXXX submission 1 does not match the final terms of the loan. Please provide the final run DU AUS with accurate final terms.

; Documentation received, XXX to review.; Document Uploaded. ;

06/20/2025

AUS is not incomplete; AUS Partially Provided

06/22/2025

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX

500000004

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Loan Review Complete

05/22/2025

Resolved

FCOM5135

Compliance

Missing Required Affiliated Business Disclosure

Required Affiliated Business Disclosure Missing Document Required: Missing Affiliated Business Disclosure from the file

; Documentation received, XXX to review.; Document Uploaded. ;

05/29/2025

Required Affiliated Business Disclosure Documentation Provided

06/22/2025

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX

500000004

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Loan Review Complete

05/22/2025

Resolved

finding-3634

Compliance

Charges That Cannot Increase Test

; Documentation received, XXX to review.; Document Uploaded. ;

06/05/2025

Valid COC provided; exception resolved; Valid COC provided; exception resolved

06/05/2025

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX

500000006

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Loan Review Complete

05/21/2025

Waived

FCOM3849

Compliance

Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1))

; ;

05/23/2025

Client acknowledges EVX/B finding. Exception status changed to Waived per client’s request.

05/23/2025

Borrower has stable job time - Borrower has XXX years on job.

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX

500000116

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Loan Review Complete

500000130

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Loan Review Complete

500000118

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Loan Review Complete

500000108

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Loan Review Complete

06/02/2025

Waived

FCOM3849

Compliance

Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1))

;

06/03/2025

Client acknowledges EVX/B finding. Exception status changed to Waived per client’s email request.

06/03/2025

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX

Original CLTV is Below the Guideline Maximum - Calculated CLTV of  XXX% is less than Guideline CLTV of XXX%

Qualifying DTI below max allowed. - Calculated DTI of  XXX% is less than Guideline DTI of  XXX%

Original LTV is Below the Guideline Maximum - Calculated LTV of  XXX% is less than Guideline LTV of XXX%

500000109

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Loan Review Complete

06/02/2025

Waived

FCOM3849

Compliance

Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1))

; ;

06/10/2025

Client acknowledges EVX/B finding. Exception status changed to Waived per client’s email request.

06/10/2025

Borrower has stable job time - Borrower has  XXX years on job.

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX

Original LTV is Below the Guideline Maximum - Calculated LTV of  XXX% is less than Guideline LTV of XXX%

Original CLTV is Below the Guideline Maximum - Calculated CLTV of  XXX% is less than Guideline CLTV of XXX%

500000109

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Loan Review Complete

06/03/2025

Resolved

FCRE1185

Credit

AUS Partially Provided

AUS Partially Provided The AUS and 1008 identify the loan purpose as XXX, but the internal loan approval docs identify the loan purpose as XXX XXX.

; Documentation received, XXX to review.; Document Uploaded. Please see attached updated AUS and 1008.; Redwood requires delayed financing to be treated as a XXX ;

06/10/2025

AUS is not incomplete

06/10/2025

500000009

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Loan Review Complete

06/02/2025

Resolved

finding-3526

Compliance

Revised Loan Estimate Delivery Date Test (prior to consummation)

This loan failed the revised loan estimate delivery date test (prior to consummation) due to one of the following findings: ( 12 CFR §XXX(e)(4)(ii) )The revised loan estimate delivery date is provided and the revised loan estimate method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the revised loan estimate delivery date is less than XXX business days (counting all calendar 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 loan estimate delivery date is less than XXX business days (counting all calendar 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 loan estimate receipt date is provided and the revised loan estimate receipt date is less than XXX business days (counting all calendar 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 loan estimate delivery date is on or after the initial closing disclosure delivery date.The creditor shall not provide a revised version of the disclosures required under §XXX(e)(1)(i) on or after the date on which the creditor provides the disclosures required under §XXX(f)(1)(i). The consumer must receive a revised version of the disclosures required under §XXX(e)(1)(i) not later than XXX business days prior to consummation. If the revised version of the disclosures required §XXX(e)(1)(i) is not provided to the consumer in person, the consumer is considered to have received such version XXX business days after the creditor delivers or places such version in the mail. Provide evidence the borrower acknowledged receipt of the revised LE's issued issued XX/XX/XXXX at least XXX days prior to consummation

; Documentation received, XXX to review.; Document Uploaded. ;

06/10/2025

Revised LE receipt date provided; exception resolved; Revised LE receipt date provided; exception resolved

06/10/2025

Borrower has stable job time - Borrower has XXX years on job.

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX

500000008

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Loan Review Complete

500000001

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Loan Review Complete

06/03/2025

Resolved

FCRE7551

Credit

Missing Divorce Decree

Missing Divorce Degree and/or quit claim to verify status of departing residence.

; ; Document Uploaded. ; Documentation received, XXX to review.;

06/20/2025

Divorce decree provided, confirms borrower no longer liable for departure mortgage/property

06/20/2025

Original CLTV is Below the Guideline Maximum - Calculated CLTV of  XXX% is less than Guideline CLTV of XXX%

Qualifying DTI below max allowed. - Calculated DTI of  XXX% is less than Guideline DTI of  XXX%

Original LTV is Below the Guideline Maximum - Calculated LTV of  XXX% is less than Guideline LTV of XXX%

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX

500000001

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Loan Review Complete

06/03/2025

Resolved

FCRE1155

Credit

Subject Property Address on Note does not match Insured Property Address

Subject Property on Note does not match Insured Property Address Insurance declaration reflects subject property address as XXX, note and appraisal show address as XXX

; Documentation received, XXX to review.; Document Uploaded.

06/20/2025

Subject Property on Note matches Insured Property Address; Document Uploaded.

06/20/2025

500000110

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Loan Review Complete

500000111

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Loan Review Complete

06/06/2025

Waived

FCRE1148

Credit

Title Coverage is Less than Subject Lien

Title Coverage Amount of $XXX is Less than Total Amount of Subject Lien $XXX The proposed amount of insurance on the title commitment of $XXX is less than the subject loan amount of $XXX. Please provide a revised title commitment with sufficient coverage.

; ;

06/13/2025

Client acknowledges EVX/B finding. Exception status changed to Waived per client’s email request.

06/13/2025

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX

Borrower has stable job time - Borrower has XXX years on job.

500000111

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Loan Review Complete

06/06/2025

Resolved

FCOM1233

Credit

The Final 1003 is Incomplete

The Final 1003 is Incomplete Per Redwood Residential Eligibility Program Supplement v6.2, borrowers should disclose and verify all liquid assets. Please provide a revised loan application for the Co-Borrower reflecting the account from which a wire transfer of $XXX originated for closing funds.

; ; ;

06/13/2025

Sufficient assets were provided by the borrower to offset need for additional documentation for $XXX transfer. Updated final XXX is not required ; The Final XXX is Present

06/13/2025

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX

Borrower has stable job time - Borrower has XXX years on job.

500000111

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Loan Review Complete

06/06/2025

Resolved

FCRE1491

Credit

Asset Qualification Does Not Meet Guideline Requirements

Asset Qualification Does Not Meet Guideline Requirements Per Redwood Residential Eligibility Program Supplement v6.2, borrowers should disclose and verify all liquid assets. Please provide most recent two months of consecutive bank statements (including all pages and documenting all large deposits) for the Co-Borrower’s account from which a wire transfer of $XXX originated for closing funds, as this account was not disclosed on the loan application or verified in the loan file.

; ; ;

06/13/2025

Sufficient assets were provided by the borrower to offset need for additional documentation for $XXX transfer. Finding is resolved. ; Asset Qualification Meets Guideline Requirements

06/13/2025

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX

Borrower has stable job time - Borrower has XXX years on job.

500000111

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Loan Review Complete

06/06/2025

Waived

FCOM3849

Compliance

Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1))

;

06/13/2025

Client acknowledges EVX/B finding. Exception status changed to Waived per client’s email request.

06/13/2025

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX

Borrower has stable job time - Borrower has XXX years on job.

500000002

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Loan Review Complete

500000007

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Loan Review Complete

06/11/2025

Resolved

FCRE1184

Credit

AUS Not Provided

Missing AUS Missing DU AUS

; Document Uploaded. ; Documentation received, XXX to review.;

06/20/2025

AUS is not missing

06/20/2025

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX

500000007

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Loan Review Complete

06/10/2025

Resolved

finding-3716

Compliance

XXX Per Diem Interest Amount Test

This loan failed the per diem interest amount test. (CA Bus. Prof. Code §XXX)The per diem interest amount charged on the loan ($XXX) exceeds the per diem interest charge or credit threshold ($XXX).PLEASE NOTE: An additional $XXX buffer was included in the per diem interest charge or credit threshold displayed above based on the client preferences configured on the per diem interest settings page. Final CD shows interest start date is XX/XX/XXXX but disbursement shows X/X per the settlement statement. Disbursement on CD listed as X/X but is prior to consummation. Provide correct disbursement date or PCCD

; Documentation received, XXX to review.; Document Uploaded. ; ;

06/18/2025

PCCD provided; Exception resolved; PCCD provided; Exception resolved

06/18/2025

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX

500000113

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Loan Review Complete

06/11/2025

Resolved

finding-3532

Compliance

Initial Closing Disclosure Delivery Date Test

This loan failed the initial closing disclosure delivery date test due to one of the following findings:( 12 CFR §XXX(f)(1)(ii) )The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than XXX business days (counting all calendar 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 XXX business days (counting all calendar 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 XXX business days (counting all calendar 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(f)(1)(i) no later than XXX business days before consummation. Documentation required to clear exception. Missing a copy of the initial Closing Disclosure. Per the lenders compliance report the initial CD was issued XX/XX/XXXX and is missing from the loan file. Please provide a copy of the initial CD issued and acknowledged by the borrower at least XXX days prior to loan consummation.

; ; Documentation received, XXX to review.; Document Uploaded. Please see attached e-sign documentation showing Borrowers received and viewed XXX XX/XX/XXXX on XX/XX/XXXX.; ;

06/13/2025

Delivery date provided; Exception resolved; Delivery date provided; Exception resolved

06/13/2025

Borrower has stable job time - Borrower has XXX years on job.

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX

500000113

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Loan Review Complete

06/11/2025

Resolved

finding-3634

Compliance

Charges That Cannot Increase Test

; ; Documentation received, XXX to review.; Document Uploaded. Please see attached e-sign documentation showing Borrowers received and viewed XXX XX/XX/XXXX on XX/XX/XXXX.; ;

06/13/2025

Delivery date provided; Exception resolved; Delivery date provided; Exception resolved

06/13/2025

Borrower has stable job time - Borrower has XXX years on job.

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX

500000107

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Loan Review Complete

500000003

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Loan Review Complete

500000112

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Loan Review Complete