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)

700000001

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Loan Review Complete

02/13/2025

Resolved

FCRE3606

Credit

HMDA Data Tape Not Provided

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

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

02/19/2025

Borrower has stable job time - Borrower has XXX years on job. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX

700000003

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Loan Review Complete

03/05/2025

Resolved

FCRE5774

Credit

XXX Credit Report is Incomplete

XXX Credit Report is Partially Present. Missing HOA Statement for the property located at XXX If not applicable, a LOE stating there are no HOA dues is required. LOE in file does not have the correct address. Additional conditions may apply.

XXX/XXX XXX: Please see the attached 3rd party listing showing the description of "Community feeling with NO HOA dues, XXX, and XXX. Perfect starter home!"

03/10/2025

Lender provided property search for property XXX XXX, reflecting property does not have HOA fees. Condition cleared.; XXX Credit Report is not partially present.; XXX Credit Report is Partially Present. Missing HOA Statement for the property located at XXX If not applicable, a LOE stating there are no HOA dues is required. LOE in file does not have the correct address. Additional conditions may apply.

03/11/2025

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

700000003

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Loan Review Complete

03/05/2025

Resolved

FCRE3606

Credit

HMDA Data Tape Not Provided

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

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

03/10/2025

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

700000005

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Loan Review Complete

03/06/2025

Resolved

FCRE3606

Credit

HMDA Data Tape Not Provided

Please clear this finding; Please clear this finding

04/11/2025

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

04/14/2025

700000005

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Loan Review Complete

03/06/2025

Acknowledged

FCRE1186

Credit

Audited DTI Exceeds AUS DTI

Audited DTI of XXX% exceeds AUS DTI of XXX% DTI of XXX% exceed the maximum DTI of XXX% per investor overlays. Note: AUS DTI XXX% (LP) , XXX DTI is XXX%

XXX/XXX - See attached updated docs; XXX/XXX - See attached, XXX was paid down to $XXX balance and can be excluded as less than XXX payments to keep DTI eligible.; XXX/XXX - AUS Findings reflected a XXX% DTI as well. Per matrix, XXX% DTI is the XXX for a primary <$XXX, XXX+ FICO, XXX% LTV XXX loan.

03/20/2025

XXX approved downgrade to B; Lender provided updated XXX, XXX and AUS approving DTI of XXX%. Audit DTI of XXX% is within tolerance of the AUS approved DTI of XXX%; however, both audit DTI of XXX% and updated AUS approved DT I of XXX% exceed the client overlay maximum of XXX%. XXX approval required for DTI over XXX% client overlay maximum. Condition retained.; Audited DTI of XXX% exceeds AUS DTI of XXX%; Lender agreed with audit rental income calculation of (-$XXX) for property XXX using the schedule E taxes and HOA fees. Lender provided documentation verifying second mortgage on property XXX was paid down to $XXX. Audit re-calculated rental income and has determined audit re-calculated DTI of XXX% exceeds AUS approved DTI of XXX% and client overlay of XXX%. Condition retained.; Lender provided mortgage Statement for second mortgage on property at XXX reflecting mortgage was paid down to $XXX and provided bank Statement verifying XXX mortgage was paid down on XX/XX/XXXX, which is prior to the subject loan closing of XX/XX/XXXX. In addition, please provide documentation to verify the escrows on the mortgage Statement for XXX does in fact include both taxes and insurance. The mortgage Statement is not sufficient verification due to taxes and insurance are higher on the schedule E compared to the mortgage Statement. Please provide updated AUS, 1008 and 1003 adjusting the payment amount for the second mortgage lien on XXX XXX to $XXX and correct rental income for XXX reflecting the DTI is less than the XXX% client overlay maximum allowed. Condition retained.; Audit reviewed Lender's response and has determined the lock date on the loan is XX/XX/XXXX, which is prior to the most current XXX guidelines of XX/XX/XXXX; therefore, the prior version with effective date of XX/XX/XXXX was used for audit review, which reflects a maximum DTI of XXX%. XXX approval required for DTI of XXX%, which is over XXX Guideline overlay maximum of XXX% for loan amounts up to $XXX. Condition retained.; Audited DTI of XXX% exceeds AUS DTI of XXX% DTI of XXX% exceed the maximum DTI of XXX% per investor overlays. Note: AUS DTI XXX% (LP) , XXX DTI is XXX%

03/26/2025

700000005

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Loan Review Complete

03/06/2025

Resolved

FCRE5774

Credit

XXX Credit Report is Incomplete

XXX Credit Report is Partially Present. Missing evidence of taxes for the property located XXX ,XXXXXX. Mortgage Statement States escrowed, but does not break down tax and insurance. Tax amount on Schedule E of the XXX return, $XXX. LOE from borrower States not HOA, however the return shows $XXX. Additional Conditions may apply.

XXX/XXX - We agree with the updated rental income calculation, however we are providing documentation to show the XXX debt can be excluded to keep the file eligible. ; XXX/XXX - We agree with the updated rental income calculation, however we are providing documentation to show the XXX debt can be excluded to keep the file eligible. ; XXX/XXX - See attached, XXX was paid down to $XXX balance and can be excluded as less than XXX payments to keep DTI eligible.; XXX/XXX - See attached, XXX was paid down to $XXX balance and can be excluded as less than XXX payments to keep DTI eligible.

03/18/2025

Lender agreed with audit rental income calculation of (-$XXX) for property XXX XXX using the schedule E taxes and HOA fees. Condition cleared.; XXX Credit Report is not partially present.; Lender provided the credit report and mortgage Statement for property XXX XXX; however, did not provide verification of taxes, insurance and HOA for property XXX XXX. The escrows reflected on the mortgage Statement of $XXX appears to only be for insurance. The schedule E reflects an insurance amount of $XXX annually or $XXX per month, taxes of $XXX annually or $XXX monthly and HOA fees of $XXX annually or $XXX monthly for total taxes and insurance of $XXX and HOA of $XXX per month. Using the taxes and insurance from the schedule E, the audit re-calculation for property XXX XXX results in a negative rental income of (-$XXX) vs Lender's calculation which resulted in a positive rental income of $XXX. Please provide documentation to verify the escrows in the mortgage Statement does in fact include both taxes and insurance. The mortgage Statement is not sufficient verification due to taxes and insurance are higher on the schedule E compared to the mortgage Statement. Condition retained.; XXX Credit Report is Partially Present. Missing evidence of taxes for the property located XXX XXX. Mortgage Statement States escrowed, but does not break down tax and insurance. Tax amount on Schedule E of the XXX return, $XXX. LOE from borrower States not HOA, however the return shows $XXX. Additional Conditions may apply.

03/19/2025

700000007

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Loan Review Complete

03/10/2025

Resolved

FCRE3606

Credit

HMDA Data Tape Not Provided

03/12/2025

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

700000009

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Loan Review Complete

03/12/2025

Resolved

FCRE3606

Credit

HMDA Data Tape Not Provided

03/17/2025

700000011

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Loan Review Complete

03/12/2025

Resolved

FCRE3606

Credit

HMDA Data Tape Not Provided

03/17/2025

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

700000013

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Loan Review Complete

03/13/2025

Resolved

FCOM1227

Credit

XXX Rider is Missing

XXX Rider is Missing Appraisal report and final XXX show subject property as a XXX, but there is no XXX rider in the file.

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

03/26/2025

The XXX Rider is Present or is Not Applicable (Property Type is XXX)

03/26/2025

is Greater than the Guideline Minimum - 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%

700000015

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Loan Review Complete

03/17/2025

Resolved

FCRE3606

Credit

HMDA Data Tape Not Provided

03/19/2025

is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job.

700000017

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Loan Review Complete

03/18/2025

Resolved

FCRE3606

Credit

HMDA Data Tape Not Provided

03/24/2025

700000019

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Loan Review Complete

03/24/2025

Resolved

FCRE3606

Credit

HMDA Data Tape Not Provided

03/26/2025

Borrower has stable job time - Borrower has XXX years on job. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX

700000021

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Loan Review Complete

03/25/2025

Resolved

FCRE3606

Credit

HMDA Data Tape Not Provided

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

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

04/02/2025

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

700000023

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Loan Review Complete

04/24/2025

Resolved

FCRE0377

Credit

The Total Hazard Coverage is LESS than the Required Coverage Amount

The hazard insurance dwelling coverage of ($) is insufficient, not meeting the required coverage amount of ($XXX).

04/24/2025

The Total Hazard Coverage is greater than or equal to the Required Coverage Amount

04/24/2025

Borrower has stable job time - Borrower has XXX years on job. | is Greater than the Guideline Minimum - 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% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%

700000023

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Loan Review Complete

03/26/2025

Resolved

finding-3634

Compliance

Charges That Cannot Increase Test

XXX Cure Required. Refund in the amount of$ XXX; cure package requires a XXX. The XXX tolerance violation in the amount of $XXX is due to increase from $XXX to $XXX for the loan discount points. The lock date was XX/XX/XXXX but the increase in discount points was not disclosed until the LE dated XX/XX/XXXX This loan failed the charges that cannot increase test. (XXX CFR §XXX(e) (XXX) (i) ) The loan contains charges that exceed the XXX determination according to §XXX(e) (XXX) (i).XXX 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 XXX if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX(e) (XXX) (i).

; ; Document Uploaded. ; Documentation received, XXX to review.; Condition Updated XXX; Document Uploaded. ; Documentation received, XXX to review.; Condition Updated XX/XX/XXXX; Document Uploaded. Fees-a coc was submitted on XXX/XXX for update title fees-borrower did shop for their own title co; Documentation received, XXX to review.;

04/24/2025

XXX and applicable LE provided; exception resolved; File is missing a copy of the LE dated XX/XX/XXXX, page XXX of that LE was provided but the rest of the LE is missing. Please provide to resolve; The XXX tolerance violation in the amount of $XXX is due to increase from $XXX to $XXX for the loan discount points. The lock date was XX/XX/XXXX but the increase in discount points was not disclosed until the LE dated XX/XX/XXXX

04/24/2025

700000023

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Loan Review Complete

03/26/2025

Resolved

finding-3532

Compliance

Initial Closing Disclosure Delivery Date Test

Disclosure is not signed. This loan failed the initial closing disclosure delivery date test due to one of the following findings:(XXX CFR §XXX(f) (XXX) (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) (XXX) (i) no later than XXX business days before consummation.

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

04/07/2025

Initial CD provided; exception resolved; Initial CD provided; exception resolved

04/07/2025

700000025

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Loan Review Complete

03/26/2025

Resolved

FCRE3606

Credit

HMDA Data Tape Not Provided

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

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

04/02/2025

is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job.

700000027

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Loan Review Complete

03/31/2025

Resolved

FCRE1186

Credit

Audited DTI Exceeds AUS DTI

Audited DTI of XXX% exceeds AUS DTI of XXX% AUS has Other monthly payment of $XXX for proposed monthly payment and AUS doe not include Property Tax payment of $XXX. Please provide updated XXX/XXX/AUS.

XXX/XXX XXX: Please see the attached updated AUS findings with the property taxes included.

04/04/2025

Lender provided an updated AUS approving DTI of XXX%. Audit DTI of XXX% is within XXX% tolerance of the updated AUS approved DTI of XXX% and both audit DTI of XXX% and updated AUS approved DTI of XXX% are within guidelines maximum of XXX% for XXX amounts up to $XXX. Condition cleared. ; Lender provided an updated AUS approving DTI of XXX%. Audit DTI of XXX% is within XXX% tolerance of the updated AUS approved DTI of XXX% and both audit DTI of XXX% and updated AUS approved DTI of XXX% are within guidelines maximum of XXX% for XXX amounts up to $XXX. Condition cleared.; Audited DTI of XXX% is less than or equal to AUS DTI of XXX%; Audited DTI of XXX% exceeds AUS DTI of XXX% AUS has Other monthly payment of $XXX for proposed monthly payment and AUS doe not include Property Tax payment of $XXX. Please provide updated XXX/XXX/AUS.

04/29/2025

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

700000027

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Loan Review Complete

03/31/2025

Resolved

FCRE9814

Credit

Missing Trust Agreement

Missing Trust Agreement COT in file is not signed.

XXX/XXX XXX: Please see attached.

04/04/2025

Trust Agreement Meets Guideline Requirements; Missing Trust Agreement COT in file is not signed.

04/07/2025

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

700000027

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Loan Review Complete

03/31/2025

Resolved

FCRE3606

Credit

HMDA Data Tape Not Provided

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

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

04/02/2025

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

700000029

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Loan Review Complete

04/02/2025

Resolved

FCRE3606

Credit

HMDA Data Tape Not Provided

04/08/2025

700000031

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Loan Review Complete

04/03/2025

Resolved

FCRE3606

Credit

HMDA Data Tape Not Provided

04/08/2025

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

700000033

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Loan Review Complete

04/02/2025

Resolved

FCRE3606

Credit

HMDA Data Tape Not Provided

04/08/2025

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

700000033

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Loan Review Complete

04/02/2025

Resolved

FVAL9739

Property

Property/Appraisal General

Property/Appraisal guideline violation: File is missing the appraisal. Additional conditions may apply.

XX/XX/XXXX - XXX: Please see the attached appraisal.

04/03/2025

Lender provided copy of appraisal. Condition cleared.; Property/Appraisal Meets Guidelines; Lender provided copy of appraisal. Condition cleared.; Property/Appraisal guideline violation: File is missing the appraisal. Additional conditions may apply. ; Property/Appraisal guideline violation: File is missing the appraisal. Additional conditions may apply.

04/07/2025

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

700000033

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Loan Review Complete

04/02/2025

Resolved

FCRE5774

Credit

XXX Credit Report is Incomplete

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

XX/XX/XXXX - XXX: Please see the attached copy of the loan integrity report confirming HOA dues are not applicable for XXX

04/03/2025

Lender provided property search through XXX for property XXX, reflecting property does not have HOA fees. Condition cleared.; XXX Credit Report is not partially present.; XXX Credit Report is Partially Present. Missing HOA Statement for the property located at XXX. XXX screenshot is not acceptable for HOA documentation. Please provide documentation from HOA, HOA Statements, Appraisal or LOE from the borrower. Additional conditions may apply.

04/07/2025

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

700000033

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Loan Review Complete

04/02/2025

Resolved

FCRE1186

Credit

Audited DTI Exceeds AUS DTI

Audited DTI of XXX% exceeds AUS DTI of XXX% by XXX%, however is within XXX AUS Credit Guidelines as of XX/XX/XXXX of XXX%. A new AUS is required for t his DTI variance. XXX, lender used $XXX in rental income and net loss of ($XXX). Audit used $XXX from Schedule E, and net loss of (XXX). Approval in file XXX Rental Income from a lease agreement is being used to qualify. The first payment date of the new loan cannot occur before the first rent payment date of XXX/XXX. File does not contain a signed lease agreement.

XX/XX/XXXX - XXX: The discrepancy in the rental income calculation for XXX -XXX stems from the XXXd back of $XXX in XXX expenses. Please see the attached invoices and receipts to support the amount claimed on Line XXX - Repairs of Schedule E.

04/03/2025

Audit reviewed Lender's response and receipts for XXX time expenses on property XXX-XXX. Audit recalculated rental income for property, adding back XXX time expenses, which meets AUS and XXX guidelines, which resulted in an audit DTI of XXX%, which is within tolerance of the AUS approved DTI of XXX%. Condition cleared.; Audited DTI of XXX% is less than or equal to AUS DTI of XXX%; Audited DTI of XXX% exceeds AUS DTI of XXX% by XXX%, however is within XXX AUS Credit Guidelines as of XX/XX/XXXX of XXX%. A new AUS is required for his DTI variance. XXX-XXX, lender used $XXX in rental income and net loss of ($XXX). Audit used $XXX from Schedule E, and net loss of (XXX). Approval in file Rental Income from a XXX is being used to qualify. The first payment date of the new loan cannot occur before the first rent payment date of XXX/XXX. File does not contain a signed lease agreement.

04/07/2025

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

700000035

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Loan Review Complete

04/01/2025

Resolved

FCOM1227

Credit

XXX Rider is Missing

XXX Rider is Missing File contains a XXX Rider, but not a XXX rider. XXX, AUS, and legal description identify the property as a XXX. The appraisal was performed on a full XXX form as XXX, which matches the property tax docs and HOI. Please confirm property type and update docs if necessary.

; Update XXX - XXX Rider Uploaded that was in file. Please notify of correct property type and provide documents consistent with property type.; ;

04/09/2025

The XXX Rider is Present or is Not Applicable (Property Type is XXX) ; The XXX Rider is Present or is Not Applicable (Property Type is XXX Detached) ; Seller provided documentation to clarify that the subject is detached site XXX. XXX appraisal meets XXX requirements. XXX rider provided; XXX rider not required. Finding is resolved.

04/09/2025

Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | is Greater than the Guideline Minimum - 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%

700000037

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Loan Review Complete

04/03/2025

Resolved

FCRE3606

Credit

HMDA Data Tape Not Provided

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

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

04/08/2025

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. | is Greater than the Guideline Minimum - 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%

700000039

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Loan Review Complete

04/02/2025

Resolved

finding-3532

Compliance

Initial Closing Disclosure Delivery Date Test

Documentation required. Please provide evidence Borrower received initial Closing Disclosure received within the required XXX days prior to consummation date of XX/XX/XXXX. This loan failed the initial closing disclosure delivery date test due to one of the following findings:(XXX CFR §XXX(f) (XXX) (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) (XXX) (i) no later than XXX business days before consummation.

XXX/XXX: Please see the attached CD

04/07/2025

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

04/08/2025

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

700000039

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Loan Review Complete

04/03/2025

Resolved

FCRE1437

Credit

Income and Employment Do Not Meet Guidelines

Income and Employment Do Not Meet Guidelines Lender to provide proof that all listed XXX accounts exist and are still owned with current Statements.. For use of interest/dividends as income a XXX average was taken with income of $XXX per month from XXX yrs personal returns with a small amt deducted out since one property was XXX. XXX guidelines require proof of XXX of assets and that assets still exist. Dept. of Treasury(XXX accounts listed) were not provided or identified and XXX is also listed and not provided or identified. Additional conditions may apply.

XX/XX/XXXX - XXX: Please see the attached documents confirming the borrowers' ownership in the assets held in the Department of the Treasury. XXXditionally, XXX has been acquired by XXX and all accounts have been moved. Please see the attached confirmation from XXX.

04/07/2025

Lender providd XXX verifying Borrower's current ownership in XXX accounts. Condition cleared.; Income and Employment Meet Guidelines; Income and Employment Do Not Meet Guidelines Lender to provide proof that all listed interest/dividend accounts exist and are still owned with current Statements.. For use of interest/dividends as income a XXX average was taken with income of $XXX per month from XXX yrs personal returns with a small amt deducted out since one property was sold. XXX guidelines require proof of ownership of assets and that assets still exist. XXX(XXX accounts listed) were not provided or identified and XXX is also listed and not provided or identified. Additional conditions may apply.

04/08/2025

700000039

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Loan Review Complete

04/03/2025

Resolved

FCRE1185

Credit

AUS Partially Provided

AUS Partially Provided DU approval # XXX: loan application disclosed XXX but XXX. Lender to rerun XXX so that system will provide proper messages for that employer/income. Additional conditions may apply.

XX/XX/XXXX - XXX: Please see the attached AUS findings.

04/07/2025

Lender provided updated AUS correcting employment and income. Condition cleared.; AUS is not incomplete; AUS Partially Provided DU approval # XXX: loan application disclosed XXX but XXX. Lender to rerun DU designating primary employer so that system will provide proper messages for that employer/income. Additional conditions may apply.

04/08/2025

700000039

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Loan Review Complete

04/03/2025

Resolved

FCRE3606

Credit

HMDA Data Tape Not Provided

04/08/2025

700000041

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Loan Review Complete

04/03/2025

Resolved

FCRE3606

Credit

HMDA Data Tape Not Provided

04/08/2025

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

700000043

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Loan Review Complete

04/04/2025

Resolved

FCRE3606

Credit

HMDA Data Tape Not Provided

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

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

04/08/2025

Borrower has stable job time - Borrower has XXX years on job. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX

700000045

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Loan Review Complete

04/04/2025

Resolved

FCOM1233

Credit

The Final 1003 is Incomplete

The Final 1003 is Incomplete The file is missing a signed Final Loan Application for Borrowers XXX & XXX.

XXX/XXX : See attached Final 1003 for borrowers XXX and XXX; XXX/XXX : See attached Final 1003 for borrowers XXX and XXX

04/09/2025

Lender provided Final 1003 for Borrower XXX and XXX. Condition cleared.; The Final 1003 is Present; The Final 1003 is Incomplete The file is missing a signed Final Loan Application for Borrowers XXX & XXX.

04/10/2025

is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job.

700000045

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Loan Review Complete

04/04/2025

Resolved

FCRE1193

Credit

Audited DTI Exceeds Guideline DTI

Audited DTI of XXX% exceeds Guideline DTI of XXX% The AUS approved the loan using XXX of $XXX for Borrower XXX. However, the documentation in the file supports a lower income of $XXX, based on the award letter located on page XXX which resulted in a higher XXX of XXX%.

XXX/XXX - The social security calculation is both XXX social security combined. Per their XXX tax return, only XXX% of this income is taxed. We grossed up the XXX which is where the $XXX amount comes from.

04/07/2025

Audit reviewed Lender's response and has determined Borrower XXX XX/XX/XXXX tax return verifies XXX% of their XXX is taxable. Lender combined the XXX incomes under XXX under Borrower XXX and grossed up the non taxable portion of the income. The income documentation and tax returns supports Lender's XXX calculation. Audit DTI of XXX% is within tolerance of the AUS approved DTI of XXX%. Condition cleared. ; Audited DTI of XXX% is less than or equal to Guideline DTI of XXX%; Audited DTI of XXX% exceeds Guideline DTI of XXX% The AUS approved the loan using Social Security income of $XXX for Borrower XXX. However, the documentation in the file supports a lower income of $XXX, based on the award letter located on page XXX which resulted in a higher debt-to-income ratio of XXX%.

04/08/2025

is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job.

700000045

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Loan Review Complete

04/04/2025

Resolved

FCRE1186

Credit

Audited DTI Exceeds AUS DTI

Audited DTI of XXX% exceeds AUS DTI of XXX% The AUS approved the loan using XXX of $XXX for Borrower XXX. However, the documentation in the file supports a lower income of $XXX, based on the award letter located on page XXX which resulted in a higher XXX of XXX%.

04/07/2025

04/08/2025

is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job.

700000045

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Loan Review Complete

04/04/2025

Resolved

FCRE3606

Credit

HMDA Data Tape Not Provided

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

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

04/08/2025

is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job.

700000047

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Loan Review Complete

04/04/2025

Resolved

FCRE5774

Credit

XXX Credit Report is Incomplete

XXX Credit Report is Partially Present. Missing evidence of any HOA dues for REO at XXX. or an LOE stating no HOA dues.

XXX/XXX: Please see attached. ; XXX/XXX: This is a duplicate condition noted. Are we asking for the other REO located at XXX

04/07/2025

Lender provided property search through XXX for property XXX reflecting property does not have HOA fees. Condition cleared.; XXX Credit Report is not partially present.; XXX Credit Report is Partially Present. Missing evidence of any HOA dues for REO at XXX. or an LOE stating no HOA dues.

04/08/2025

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

700000047

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Loan Review Complete

04/04/2025

Resolved

FCRE3606

Credit

HMDA Data Tape Not Provided

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

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

04/08/2025

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

700000049

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Loan Review Complete

04/04/2025

Resolved

FCRE3606

Credit

HMDA Data Tape Not Provided

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

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

04/08/2025

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

700000051

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Loan Review Complete

04/07/2025

Resolved

FCRE1186

Credit

Audited DTI Exceeds AUS DTI

Audited DTI of XXX% exceeds AUS DTI of XXX% by XXX%. Audit calculations are as follows. XXX $XXX,Other Liabilities: $XXX Total Liabilities: $XXX. Borrower Income $XXX, Co Borrower Income:$XXX Total Income:$XXX. DTI of XXX%. There is a difference of $XXX in other liabilities to the lenders calculation. Please provide your calculations or a revised AUS. Additional conditions may apply.

XXX/XXXXXX : Please note that the discrepancy is due to the XXX debts were excluded from the borrower's DTI calculation as they are both paid by the borrowers XXX. XXX months of business assets were provided in the original loan file to document XXX months of payments for each account. The "Other Liabilities" total should only be $XXX, meaning the total liabilities would only be $XXX.

04/09/2025

Audit reviewed Lender's response and has determined the XXX payments with XXX are paid by both of Borrower's businesses as verified by the XXX month business bank Statements for each Borrower; therefore, can be omitted from the debt obligations. Audit re-calculated DTI of XXX% is within tolerance of the AUS approved DTI of XXX%. Condition cleared.; Audited DTI of XXX% is less than or equal to AUS DTI of XXX%; Audited DTI of XXX% exceeds AUS DTI of XXX% by XXX%. Audit calculations are as follows. Primary payment $XXX,Other Liabilities: $XXX Total Liabilities: $XXX. Borrower Income $XXX, Co Borrower Income:$XXX Total Income:$XXX. DTI of XXX%. There is a difference of $XXX in other liabilities to the lenders calculation. Please provide your calculations or a revised AUS. Additional conditions may apply.

04/10/2025

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

700000051

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Loan Review Complete

04/07/2025

Resolved

FCRE3606

Credit

HMDA Data Tape Not Provided

04/09/2025

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

700000053

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Loan Review Complete

04/07/2025

Resolved

FCRE5774

Credit

XXX Credit Report is Incomplete

XXX/XXX: Please see the attached third party report confirming that there is no HOA linked to the property at XXX

04/09/2025

Lender provided property search through XXX reflecting property does not have HOA fees. Condition cleared.; XXX Credit Report is not partially present.; XXX Credit Report is Partially Present. Missing HOA Statement for the property located at XXX. XXX screenshot is not acceptable for HOA documentation. Please provide documentation from HOA, HOA Statements, Appraisal or LOE from the borrower. Additional conditions may apply.

04/11/2025

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

700000053

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Loan Review Complete

04/07/2025

Resolved

FCRE3606

Credit

HMDA Data Tape Not Provided

04/09/2025

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

700000055

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Loan Review Complete

04/08/2025

Resolved

finding-3634

Compliance

Charges That Cannot Increase Test

This loan failed the charges that cannot increase test. (XXX CFR §XXX(e) (XXX) (i) ) The loan contains charges that exceed the XXX determination according to §XXX(e) (XXX) (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 XXX if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX(e) (XXX) (i). Refund in the amount of $XXX; cure package requires aXXX. The XXX tolerance violation in the amount of $XXX is due to increase from $XXX to $XXX for the Loan Discount Points. The file missing the initial CD

XXX/XXX: Please see the attached CD

04/11/2025

Lender provided Initial CD. The Origination fee increased to $XXX, with a XXX due to loan amount increase. The Origination Fee decreased to $XXX on the final CD dated XX/XX/XXXX, due to loan amount decrease. Audit re-ran compliance and has determined fees are XXX tolerance. Condition cleared.

04/15/2025

is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job.

700000055

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Loan Review Complete

04/08/2025

Resolved

finding-3532

Compliance

Initial Closing Disclosure Delivery Date Test

The Initial CD is missing and the loan failed the initial closing disclosure delivery date test. Provide the Initial CD confirming it was delivered to the borrower no less than XXX business days before the consummation date. This loan failed the initial closing disclosure delivery date test due to one of the following findings:(XXX CFR §XXX(f) (XXX) (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) (XXX) (i) no later than XXX business days before consummation.

XXX/XXX: Please see the attached CD

04/11/2025

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

04/15/2025

is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job.

700000055

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Loan Review Complete

04/08/2025

Resolved

FCRE3606

Credit

HMDA Data Tape Not Provided

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

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

04/14/2025

is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job.

700000057

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Loan Review Complete

04/08/2025

Resolved

FCRE5774

Credit

XXX Credit Report is Incomplete

XXX Credit Report is Partially Present. Missing evidence the property located at XXX is owned XXX, such as a property profile. Additional conditions may apply.

XX/XX/XXXX - XXX: Please see the attached email from the insurance agent confirming no mortgage on XXX. A property detail report has been attached as well.

04/10/2025

Lender provided Open Lien Report reflecting property XXX reflecting XXX support property is owned XXX. Condition cleared.; XXX Credit Report is not partially present.; XXX Credit Report is Partially Present. Missing evidence the property located at XXX is owned free and clear, such as a property profile. Additional conditions may apply.

04/15/2025

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

700000057

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Loan Review Complete

04/08/2025

Resolved

FCRE1334

Credit

XXX Executed XXX-T Missing

XXX Executed XXX-T Missing Missing a signed XXX for XXX

XX/XX/XXXX - XXX: Please see attached.

04/10/2025

XXX Executed XXX Provided; XXX Executed XXX Missing Missing a signed XXX for XXX

04/15/2025

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

700000057

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Loan Review Complete

04/08/2025

Resolved

FCRE3606

Credit

HMDA Data Tape Not Provided

04/14/2025

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

700000059

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Loan Review Complete

04/09/2025

Resolved

FCRE3606

Credit

HMDA Data Tape Not Provided

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

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

04/14/2025

Borrower has stable job time - Borrower has XXX years on job. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX

700000061

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Loan Review Complete

04/10/2025

Resolved

FCRE1186

Credit

Audited DTI Exceeds AUS DTI

Audited DTI of XXX% exceeds AUS DTI of XXX% XXX income in file is $XXX. Lender utilized $XXX. Please provide updated AUS/XXX/XXX. Additional conditions may apply.

XXX/XXXXXX : Please note that both borrowers earn Social Security Income: $XXX per monthnth for XXX and $XXX per monthnth for XXX.

04/14/2025

Condition resolved as we have received the missing evidence of XXX Social Security income. ; Audited DTI of XXX% is less than or equal to AUS DTI of XXX%; Audited DTI of XXX% exceeds AUS DTI of XXX% XXX income in file is $XXX. Lender utilized $XXX. Please provide updated AUS/XXX/XXX. Additional conditions may apply.

04/15/2025

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

700000061

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Loan Review Complete

04/10/2025

Resolved

FCRE3606

Credit

HMDA Data Tape Not Provided

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

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

04/14/2025

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

700000063

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Loan Review Complete

04/10/2025

Resolved

FCRE3606

Credit

HMDA Data Tape Not Provided

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

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

04/14/2025

is Greater than the Guideline Minimum - 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%

700000065

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Loan Review Complete

04/11/2025

Resolved

finding-3652

Compliance

Lender Credits That Cannot Decrease Test

This loan failed the lender credits that cannot decrease test. (XXX CFR §XXX(e) (XXX) (i) ) The loan contains charges that exceed the XXX determination according to §XXX(e) (XXX) (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 XXX if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX(e) (XXX) (i). Lender Credit cure required: refund in the amount of $XXX with XXX. The Lender Credits decreased from $XXX on the initial LE dated XX/XX/XXXX, to $XXX on the final CD without a valid COC. Missing the initial CD from the loan file as well. Please provide a valid COC, initial CD dated XXX days prior to closing or cure package.

XXX/XXX: Please see attached Rate Lock sheets COCs, and corresponding disclosure. On XXX-XXX the loan program and rate changed, affecting the XXX, negative pricing disclosed on the XXX-XXX CD via mailbox

04/16/2025

Lender provided Initial CD and re-disclosed CD with XXX for decrease in Lender credits, which was due to XXX. Condition cleared.; Lender provided Initial CD and re-disclosed CD with XXX for decrease in Lender credits, which was due to XXX. Condition cleared.

04/17/2025

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

700000065

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Loan Review Complete

04/10/2025

Resolved

finding-3532

Compliance

Initial Closing Disclosure Delivery Date Test

Documentation required to clear exception: File is missing Initial CD. Please provide Initial CD and proof of delivery at least XXX days prior to Consummation. This loan failed the initial closing disclosure delivery date test due to one of the following findings:(XXX CFR §XXX(f) (XXX) (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) (XXX) (i) no later than XXX business days before consummation.

CT XXX/XXX: Please see the attached CD

04/16/2025

04/17/2025

700000065

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Loan Review Complete

04/10/2025

Resolved

FCRE3606

Credit

HMDA Data Tape Not Provided

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

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

04/14/2025

700000067

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Loan Review Complete

04/10/2025

Resolved

FCRE3606

Credit

HMDA Data Tape Not Provided

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

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

04/14/2025

Borrower has stable job time - Borrower has XXX years on job. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX

700000069

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Loan Review Complete

04/10/2025

Resolved

FCRE7009

Credit

Hazard insurance dwelling coverage is not sufficient

Hazard Insurance coverage of $XXX is less than required coverage required Lender to provide updated hazard insurance to cover loan amt of $XXX. Current coverage is insufficient as replacement cost was not provided.

XX/XX/XXXX - XXX: Please see the attached email from XXX

04/14/2025

Lender provided Replacement cost documentation. Condition cleared.; Hazard Insurance coverage meets guideline requirement; Hazard Insurance coverage of $XXX is less than required coverage required Lender to provide updated hazard insurance to cover loan amt of $XXX. Current coverage is insufficient as replacement cost was not provided.

04/15/2025

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

700000069

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Loan Review Complete

04/10/2025

Resolved

FCRE3606

Credit

HMDA Data Tape Not Provided

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

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

04/14/2025

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

700000071

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Loan Review Complete

04/11/2025

Resolved

FCRE3606

Credit

HMDA Data Tape Not Provided

04/16/2025

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

700000071

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Loan Review Complete

04/11/2025

Resolved

FCRE1334

Credit

XXX Executed XXX-T Missing

XXX Executed XXX-T Missing Executed XXX-T missing for XXX

XXX/XXX : See attached XXX forms

04/15/2025

Lender provided XXX for XXX. Condition cleared.; XXX Executed XXX Provided; XXX Executed XXX Missing Executed XXX missing for XXX

04/16/2025

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

700000073

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Loan Review Complete

04/11/2025

Resolved

FCRE3606

Credit

HMDA Data Tape Not Provided

04/16/2025

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

700000075

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Loan Review Complete

04/11/2025

Resolved

FCRE5774

Credit

XXX Credit Report is Incomplete

XXX Credit Report is Partially Present. The following accounts listed on the loan application were omitted from the underwriting calculations. Please provide documentation that supports the omission. XXX with a balance of $XXX and a payment of $XXX. Additional conditions may apply.

XXX/XXXXXX : Please note that the debt was excluded because the payments are made by the borrower's business. Please see that we documented the most recent XXX months payments made from the XXX bank account.

04/15/2025

Lender provided bank Statement and XXX month payment history verifying Borrower's business pays for XXX. Condition cleared.; XXX Credit Report is not partially present.; XXX Credit Report is Partially Present. The following accounts listed on the loan application were omitted from the underwriting calculations. Please provide documentation that supports the omission. XXX with a balance of $XXX and a payment of $XXX. Additional conditions may apply.

04/16/2025

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

700000075

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Loan Review Complete

04/11/2025

Resolved

FCRE3606

Credit

HMDA Data Tape Not Provided

04/16/2025

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

700000077

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Loan Review Complete

04/14/2025

Resolved

FCRE1437

Credit

Income and Employment Do Not Meet Guidelines

Income and Employment Do Not Meet Guidelines The AUS in file shows income from XXX as XXX's ]. However the XXX shows this income as XXX's. Please provide a corrected AUS. Additional conditions may apply.

XX/XX/XXXX - XXX: Please see the corrected AUS findings for loan #XXX. ; XX/XX/XXXX - XXX: Please see the attached AUS findings. There is only one borrower to the transaction and the borrower is employed by XXX

04/18/2025

Lender provided updated AUS reflecting correct information for XXX. The employment and income documentation in file meets updated AUS requirements. Condition cleared.; Income and Employment Meet Guidelines; Audit reviewed Lender's response as well as the AUS provided by the Lender and has determined all documentation in the loan file reflects there are XXX Borrower's on the loan. In addition, the loan number on the AUS provided does not appear to be for the subject transaction. The income for both Borrower's was used in qualification, $XXX for XXX, and $XXX for XXX. Please provide updated AUS reflecting correct employment and income information. Condition retained.; Income and Employment Do Not Meet Guidelines The AUS in file shows income from XXX as XXX's second job. However the XXX shows this income as XXX's. Please provide a corrected AUS. Additional conditions may apply.

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

700000077

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Loan Review Complete

04/14/2025

Resolved

FCRE5774

Credit

XXX Credit Report is Incomplete

XX/XX/XXXX - XXX: Please see attached. There is no indication of HOA dues being applicable for XXX

04/16/2025

Lender provided property report through XXX for property XXX reflecting property does not have HOA fees. Condition cleared.; XXX Credit Report is not partially present.; XXX Credit Report is Partially Present. Missing HOA Statement for the property located at XXX. XXX screenshot is not acceptable for HOA documentation. Please provide documentation from HOA, HOA Statements, Appraisal or LOE from the borrower. Additional conditions may apply.

04/17/2025

700000077

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Loan Review Complete

04/14/2025

Resolved

FCRE3606

Credit

HMDA Data Tape Not Provided

04/16/2025

700000079

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Loan Review Complete

04/14/2025

Resolved

FCRE9995

Credit

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

Audited Reserves of $XXX are less than Guideline Required Reserves of $XXX.

XXX/XXXXXX : Please see the attached PCCD reflecting the correct agent credits of $XXX. ; XXX/XXXXXX : Please see that the borrower received agent credits in the total amount of $XXX, as seen on the final settlement Statement.

04/25/2025

Lender provided PCCD reflecting the XXX of $XXX matching the final settlement Statement and reflects of $XXX. Audited Reserves of $XXX are equal to or greater than AUS Required Reserves of $XXX. Condition cleared.; Audited Reserves of $XXX are equal to or greater than AUS Required Reserves of $XXX.; Lender provided settlement Statement and a commission disbursement authorization; however, the settlement Statement does not match the final CD, the $XXX credit is not reflected on the CD and the commission disbursement authorization reflect commission was paid to the realtor. The CD reflects a XXX of $XXX not $XXX. Reserves are not sufficient to meet requirements. Condition retained.

04/29/2025

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

700000079

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Loan Review Complete

04/14/2025

Resolved

FCRE7497

Credit

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

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

XXX/XXXXXX : Please see the attached third party records showing that there is no HOA associated with the property at XXX

04/16/2025

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

04/17/2025

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

700000079

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Loan Review Complete

04/14/2025

Resolved

FCRE3606

Credit

HMDA Data Tape Not Provided

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

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

04/16/2025

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

700000081

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Loan Review Complete

04/16/2025

Resolved

FCRE3606

Credit

HMDA Data Tape Not Provided

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

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

04/21/2025

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

700000083

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Loan Review Complete

04/15/2025

Resolved

FCRE3606

Credit

HMDA Data Tape Not Provided

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

04/21/2025

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% | is Greater than the Guideline Minimum - 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%

700000085

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Loan Review Complete

04/16/2025

Resolved

finding-3634

Compliance

Charges That Cannot Increase Test

XXX XXX/XXX: Disagree, a CDA fee is a valuation fee. This secondary valuation fee has always been disclosed at $XXX. Upon review the fee name was updated to provide better clarity of the service rendered for the borrower prior to closing, and the amount charged at closing did not exceed the estimate previously disclosed on the baseline document. No refund is owed.

04/18/2025

Audit reviewed Lender's response and has determined the initial LE reflects a XXX of $XXX. The final CD reflects the appraisal XXX of $XXX, which matches the XXX on the invoice in file. The XXX decreased from initial LE to final CD. Condition cleared.; Audit reviewed Lender's response and has determined the initial LE reflects a XXX of $XXX. The final CD reflects the appraisal XXX fee of $XXX, which matches the XXX on the invoice in file. The XXX decreased from initial LE to final CD. Condition cleared.

04/22/2025

700000085

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Loan Review Complete

04/16/2025

Resolved

FCRE3606

Credit

HMDA Data Tape Not Provided

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

XXX ; XXX Data Tape Provided.

04/21/2025

700000087

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Loan Review Complete

04/16/2025

Resolved

FCRE3606

Credit

HMDA Data Tape Not Provided

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

04/21/2025

Borrower has stable job time - Borrower has XXX years on job. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX

700000089

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Loan Review Complete

04/16/2025

Resolved

FCRE0377

Credit

The Total Hazard Coverage is LESS than the Required Coverage Amount

The hazard insurance dwelling coverage of ($XXX) is insufficient, not meeting the required coverage amount of ($XXX). Please provide the revised declaration or the replacement cost estimator showing sufficient coverage. Additional conditions may apply.

XXX/XXX : RCE attached

05/06/2025

Lender provided an exterior inspection completed for the insurance company that reflects replacement cost value of $XXX. Hazard insurance coverage of $XXX is sufficient to cover the replacement cost value of XXX. Condition cleared.; The Total Hazard Coverage is greater than or equal to the Required Coverage Amount

05/07/2025

Borrower has stable job time - Borrower has XXX years on job. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX

700000089

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Loan Review Complete

04/16/2025

Resolved

FCRE3606

Credit

HMDA Data Tape Not Provided

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

04/21/2025

Borrower has stable job time - Borrower has XXX years on job. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX

700000091

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Loan Review Complete

04/16/2025

Resolved

FCRE3606

Credit

HMDA Data Tape Not Provided

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

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

04/21/2025

700000093

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Loan Review Complete

04/17/2025

Resolved

FCRE3606

Credit

HMDA Data Tape Not Provided

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

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

04/21/2025

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.

700000097

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Loan Review Complete

04/17/2025

Resolved

FCRE3606

Credit

HMDA Data Tape Not Provided

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

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

04/21/2025

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

700000099

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Loan Review Complete

04/18/2025

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 see attached doc XXX

04/24/2025

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; 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.

04/25/2025

is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX of XXX is greater than Guideline minimum FICO of XXX 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. | 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% Calculated DTI of XXX% is less than Guideline DTI of XXX%

700000099

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Loan Review Complete

04/18/2025

Resolved

FCRE3606

Credit

HMDA Data Tape Not Provided

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

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

04/21/2025

700000101

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Loan Review Complete

04/18/2025

Resolved

FCRE3606

Credit

HMDA Data Tape Not Provided

04/23/2025

is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job.

700000101

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Loan Review Complete

04/18/2025

Resolved

FCRE9488

Credit

Potential Occupancy/Current Address Issues identified in the file

The intent and/or status of the borrower's occupancy is not supported in the file. The signed occupancy affidavit is missing from the file.

XXX/XXX : See attached affidavit

04/22/2025

Lender provided Occupancy Affidavit. Condition cleared.; Intent of XXX occupancy supported; The intent and/or status of the XXX occupancy is not supported in the file. The signed occupancy affidavit is missing from the file.

04/23/2025

is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job.

700000103

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Loan Review Complete

04/18/2025

Resolved

finding-3635

Compliance

Charges That In Total Cannot Increase More Than XXX% Test

XXX XXX/XXX: Please see the attached Change in Circumstance, $XXX increase due to changes to the deed

04/24/2025

Lender provided re-disclosed CD dated XX/XX/XXXX, dated within XXX days of change of circumstance for increase recording fee. Condition cleared.; Lender provided re-disclosed CD dated XX/XX/XXXX, dated within XXX days of change of circumstance for increase recording fee. Condition cleared.

04/25/2025

700000103

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Loan Review Complete

04/21/2025

Resolved

FCRE7497

Credit

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

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

XXX/XXX XXX: Fraudguard indicates the REO has no HOA dues

04/23/2025

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

04/24/2025

700000103

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Loan Review Complete

04/21/2025

Resolved

FCRE3606

Credit

HMDA Data Tape Not Provided

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

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

04/23/2025

700000105

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Loan Review Complete

04/21/2025

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 on the property at XXX. Additional conditions may apply.

XXX/XXX : This is a XXX where we did not find any indication of their being an HOA. XXX guidelines do not require an XXX from the borrower if there is no indication the property has HOA dues. There are also no deductions for HOA dues in their asset accounts. Please clarify what is indicating that this property has HOA dues.

04/23/2025

Audit reviewed Lender's response and has determined schedule E supports property does not have HOA fee. Condition cleared.

04/24/2025

Borrower has stable job time - Borrower has XXX years on job. | is Greater than the Guideline Minimum - 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%

700000105

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Loan Review Complete

04/21/2025

Resolved

FCRE3606

Credit

HMDA Data Tape Not Provided

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

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

04/24/2025

700000105

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Loan Review Complete

04/21/2025

Resolved

FCOM3075

Credit

Missing US Patriot Act Disclosure or ID

Missing XXX disclosure is a required document.

XXX XXX/XXX Please see attached Patriot Act disclosure

04/23/2025

Lender provided completed Patriot Act form for both Borrower. Condition cleared.

04/24/2025

700000107

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Loan Review Complete

04/23/2025

Resolved

FCRE3606

Credit

HMDA Data Tape Not Provided

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

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

04/28/2025

700000107

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Loan Review Complete

04/22/2025

Resolved

FCRE7497

Credit

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

Missing HOA or a letter from the borrower stating no HOA for the following properties: XXX

XX/XX/XXXX - XXX: Please see attached. The Loan integrity report confirms HOA dues are not applicable for XXX & XXX

04/24/2025

Lender provided property search through XXX for property XXX reflecting properties do not have HOA fees. Condition cleared.

04/25/2025

700000109

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Loan Review Complete

04/24/2025

Resolved

FCRE3606

Credit

HMDA Data Tape Not Provided

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

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

04/28/2025

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

700000111

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Loan Review Complete

04/29/2025

Resolved

FCRE3606

Credit

HMDA Data Tape Not Provided

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

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

04/30/2025

Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX 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%

700000113

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Loan Review Complete

04/28/2025

Resolved

FCRE3606

Credit

HMDA Data Tape Not Provided

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

04/30/2025

Borrower has stable job time - Borrower has XXX years on job. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX

700000115

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Loan Review Complete

04/29/2025

Waived

FCOM3849

Compliance

Evidence of Appraisal Delivery to Borrower not Provided or Late (XXX CFR XXX(a) (XXX) )

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/XX/XXXX.XXX(a) (XXX) ). The document in file indicates that the borrower chose to waive the right to receive the appraisal at least XXX days prior to consummation but does not confirm the borrower actually received the appraisal at or prior to consummation since they chose to waive the XXX days right to receive the appraisal. Provide documentation to show the date the borrower received the appraisal to confirm it was received by the borrower at or prior to consummation

04/30/2025

Client acknowledges XXX finding. Exception status changed to XXX per client’s email request.

04/30/2025

Original LTV is Below the Guideline Maximum | Borrower has stable job time | Original CLTV is Below the Guideline Maximum

700000119

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 No income documentation provided. Please provide a full XXX or XXX of XXX and current XXX with YTD earnings

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

05/13/2025

Borrower documentation received, exception resolved ; ATR: Reasonable Income or Assets Was Considered; ATR: Reasonable Income or Assets Not Considered

05/13/2025

700000119

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Loan Review Complete

05/07/2025

Resolved

FCRE1437

Credit

Income and Employment Do Not Meet Guidelines

Income and Employment Do Not Meet Guidelines No income documentation provided. Please provide a full XXX or XXX of XXX and current XXX with YTD earnings

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

05/13/2025

Borrower documentation received, exception resolved ; Income and Employment Meet Guidelines

05/13/2025

700000119

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Loan Review Complete

05/07/2025

Resolved

FCOM3849

Compliance

Evidence of Appraisal Delivery to Borrower not Provided or Late (XXX CFR XXX(a) (XXX) )

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

05/12/2025

Evidence of appraisal delivery provided.; Please provide verification actual date the borrower received the appraisal.

05/13/2025

700000123

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Loan Review Complete

05/09/2025

Resolved

FCRE1497

Credit

ATR: Reasonable Income or Assets Not Considered

ATR: Reasonable Income or Assets Not Considered Missing required executed XXX personal tax returns, file contains XXX years of transcripts only.

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

05/15/2025

ATR: Reasonable Income or Assets Was Considered

05/15/2025

Borrower has stable job time - Borrower has XXX years on job. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX

700000123

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Loan Review Complete

05/09/2025

Resolved

FCRE1319

Credit

XXX Personal Tax Returns Missing

XXX Personal Tax Returns Missing Missing executed XXX personal tax returns. The file contains XXX years of transcripts only. The lender used the XXX year Schedule C average, and included XXX, which is not reflected on the transcripts provided.

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

05/15/2025

XXX Personal return all schedules received ; XXX Personal return all schedules received ; XXX Personal Tax Returns Provided

05/15/2025

Borrower has stable job time - Borrower has XXX years on job. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX

700000125

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Loan Review Complete

05/09/2025

Waived

FCOM3849

Compliance

Evidence of Appraisal Delivery to Borrower not Provided or Late (XXX CFR XXX(a) (XXX) )

;

05/12/2025

Client acknowledges XXX finding. Exception status changed to XXX per client’s email request.

05/12/2025

Qualifying DTI below max allowed. | is Greater than the Guideline Minimum

700000127

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Loan Review Complete

05/14/2025

Resolved

finding-3367

Compliance

RESPA Homeownership Counseling Organizations Disclosure Date Test

Initial application date is XX/XX/XXXX, LE and HOC dated XX/XX/XXXX as noted by the XXX was not found in file This loan failed the homeownership counseling organizations disclosure date test due to the following findings: (XXX CFR §XXX(a) ) The loan has a homeownership counseling organizations disclosure date that is not within XXX business days of the loan Originator's application date (or the date creditor received application if loan Originator's application date is not provided) ; orThe homeownership counseling organizations disclosure date is after the closing date.Not later than XXX business days after a lender, mortgage broker, or dealer receives an application, or information sufficient to complete an application, the lender must provide the loan applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. The list of homeownership counseling organizations distributed to each loan applicant under this section shall be obtained no earlier than XXX days prior to the time when the list is provided to the loan applicant from either:(XXX) The website maintained by the XXX for lenders to use in complying with the requirements of this section; or(XXX) Data made available by the XXX or HUD for lenders to use in complying with the requirements of this section, provided that the data is used in accordance with instructions provided with the data.This calculation take into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §XXX(b) and as it relates to §XXX (list of homeownership counseling organizations provided not later than XXX business days after a loan Originator receives an application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:NonePlease note: This test does not validate the content of any list of homeownership counseling organizations.

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

05/29/2025

HOC dated XX/XX/XXXX provided; exception resolved; Homeownership counseling list provided for review was dated XX/XX/XXXX which is more than XXX days after application date of XX/XX/XXXX; Homeownership counseling list was dated more than XXX days after application;

05/29/2025

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% | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job.

700000127

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Loan Review Complete

05/14/2025

Resolved

finding-3634

Compliance

Charges That Cannot Increase Test

Initial application date is XX/XX/XXXX, LE and HOC dated XX/XX/XXXX as noted by the XXX was not found in file This loan failed the charges that cannot increase test. (XXX CFR §XXX(e) (XXX) (i) ) The loan contains charges that exceed the XXX determination according to §XXX(e) (XXX) (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 XXX if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX(e) (XXX) (i).

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

05/22/2025

Initial LE provided; exception resolved; Initial LE provided; exception resolved

05/22/2025

700000127

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Loan Review Complete

05/14/2025

Resolved

finding-3635

Compliance

Charges That In Total Cannot Increase More Than XXX% Test

Initial application date is XX/XX/XXXX, LE and HOC dated XX/XX/XXXX as noted by the XXX was not found in file This loan failed the charges that in total cannot increase more than XXX% test. (XXX CFR §XXX(e) (XXX) (ii) ) The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the XXX tolerance according to §XXX(e) (XXX) (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 XXX 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) (XXX) (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) (XXX) (vi).

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

05/22/2025

Initial LE provided; exception resolved; Initial LE provided; exception resolved; XXX provided in file confirms app date of XX/XX/XXXX, the file does not contain a LE dated with XXX days of application. Provide an LE and XXX dated within XXX days of application to resolve

05/22/2025

700000127

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Loan Review Complete

05/14/2025

Resolved

finding-3515

Compliance

Initial Loan Estimate Delivery Date Test (from application)

Initial application date is XX/XX/XXXX, LE and HOC dated XX/XX/XXXX as noted by the XXX was not found in file This loan failed the initial loan estimate delivery date test (from application) due to one of the following: (XXX CFR §XXX(e) (XXX) (iii) (A) ) The initial loan estimate delivery date is later than the third business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions) after the creditor or broker receives the consumer's written application.Therefore, if additional disclosures are entered into ComplianceAnalyzer, any values that would change under a valid changed circumstance if the initial loan estimate had been delivered timely, will not reset the baseline for tolerance purposes. The comparable fees for this loan will be $XXX, regardless of the actual values on the disclosure.This calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §XXX(a) (XXX) and as it relates to §XXX(e) (XXX) (iii) (A) (initial loan estimate disclosure XXX business days after application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:NoneThe creditor shall deliver or place in the mail the disclosures required under §XXX(e) (XXX) (i) (provision of loan estimate form) not later than the XXX business day after the creditor receives the consumer's application.

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

05/22/2025

Initial LE provided; exception resolved; Initial LE provided; exception resolved

05/22/2025

700000131

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Loan Review Complete

05/15/2025

Resolved

FCRE1437

Credit

Income and Employment Do Not Meet Guidelines

Income and Employment Do Not Meet Guidelines Per XXX AUS Program Eligibility Guide, business income tax returns (if applicable) must be complete with all schedules and must be signed and dated. In XXX, business transcripts for the corresponding year may be provided on or before the closing date. Despite these requirements, the business tax returns provided are not signed, and only personal tax transcripts are included in the loan file.

; ; ;

06/03/2025

documentation in file meets requirement for missing income documentation ; Income and Employment Meet Guidelines; Income and Employment Do Not Meet Guidelines; Document Uploaded.

06/03/2025

700000131

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Loan Review Complete

05/15/2025

Resolved

FCRE1295

Credit

Income XXX Months Income Verified is Missing

Income XXX Months Income Verified is Missing Please provide documentation verifying the XXX Social Security income of $XXX used in qualification for the subject loan.

; ; ;

06/03/2025

Transcripts acceptable for this condition ; Income XXX Months Income Verified is Present Or Not Applicable

06/03/2025

700000131

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Loan Review Complete

05/15/2025

Resolved

FCRE1328

Credit

XXX W2/XXX Missing

XXX W2/XXX Missing. Per XXX AUS Program Eligibility Guide v20, personal income tax returns (if applicable) must be complete with all schedules (XXX forms, XXX etc.) and must be signed and dated. Despite these requirements, the loan file is missing the Borrower’s XXX for XXX

; ; ; ;

06/03/2025

Transcripts acceptable for this condition ; XXX W2/XXX Provided

06/03/2025

700000131

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Loan Review Complete

05/15/2025

Resolved

FCRE1294

Credit

Income XXX Months Income Verified is Missing

Income XXX Months Income Verified is Missing Please provide documentation verifying the XXX Social Security income of $XXX used in qualification for the loan.

; ; ;

06/03/2025

Transcripts acceptable for this condition ; Income XXX Months Income Verified is Present Or Not Applicable

06/03/2025

700000131

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Loan Review Complete

05/15/2025

Resolved

FCRE1186

Credit

Audited DTI Exceeds AUS DTI

Audited DTI of XXX% exceeds AUS DTI of XXX% The Lender qualified the loan using debts totaling $XXX and income of $XXX, which included B1 self-employed income of $XXX, social security income of $XXX and B2 social income of $XXX. Audit calculated B1 self-employed income based on the XXX , plus combined social security income of $XXX, totaling $XXX and debts as $XXX increased the DTI to XXX%, exceeding the XXX% tolerance of AUS approved DTI of XXX%. Please provide revised AUS findings utilizing the Borrowers' recalculated income and debts.

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

06/02/2025

Audited DTI of XXX% is less than or equal to AUS DTI of XXX%

06/02/2025

700000131

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Loan Review Complete

05/15/2025

Resolved

FCRE2109

Credit

Missing Lender Income Calculation Worksheet

Please provide a XXX, XXX or equivalent with self-employment income analysis for the Borrower and Income calculation worksheet or XXX with income calculation for the Co-Borrower as required per XXX AUS Program Eligibility Guide XXX.

; Updated AUS, XXX and income calculation received ; Documentation received, XXX to review.; Document Uploaded. ;

06/02/2025

700000131

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Loan Review Complete

05/15/2025

Resolved

FCRE3978

Credit

Missing Letter of Explanation (Credit)

Missing a letter of explanation for all credit inquiries in the last XXX days.

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

05/21/2025

credit inquiry letter received ; LOE for recent inquiries provided

06/02/2025

700000131

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Loan Review Complete

05/15/2025

Resolved

finding-3634

Compliance

Charges That Cannot Increase Test

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

05/21/2025

XXX and LE provided; exception resolved; XXX and LE provided; exception resolved

05/21/2025

700000135

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Loan Review Complete

05/27/2025

Resolved

FCOM9186

Compliance

eSigned Documents Consent is Missing

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

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

05/29/2025

Evidence of eConsent is provided.

06/03/2025

is Greater than the Guideline Minimum - 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.

700000135

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Loan Review Complete

05/27/2025

Resolved

FCOM5135

Compliance

Missing Required Affiliated Business Disclosure

Required Affiliated Business Disclosure Missing

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

05/29/2025

Required Affiliated Business Disclosure Documentation Provided

06/03/2025

700000137

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Loan Review Complete

05/28/2025

Resolved

FCRE1346

Credit

XXX XXX Schedule E Missing

XXX Schedule E Missing The first XXX pages of the Borrower's XXX are in file, but the complete returns were not provided, missing the Schedules referred to on those pages including but not limited to Schedules XXX, A, and E.

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

06/03/2025

XXX received ; XXX XXX Schedule E Provided

06/03/2025

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

700000137

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Loan Review Complete

05/28/2025

Resolved

FCRE1497

Credit

ATR: Reasonable Income or Assets Not Considered

ATR: Reasonable Income or Assets Not Considered Missing required documentation to support rental income for XXX and missing complete XXX (all schedules)

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

06/03/2025

XXX received ; XXX received ; ATR: Reasonable Income or Assets Was Considered

06/03/2025

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

700000137

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Loan Review Complete

05/28/2025

Resolved

FCRE1319

Credit

XXX Personal Tax Returns Missing

XXX Personal Tax Returns Missing The first XXX pages of the Borrower's XXX 1040s are in file, but the complete returns were not provided, missing the Schedules referred to on those pages including but not limited to Schedules XXX, A, and E.

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

06/03/2025

XXX Personal Tax Returns Provided

06/03/2025

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

700000137

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Loan Review Complete

05/28/2025

Resolved

FCRE7497

Credit

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

Missing HOA/HOI documentation for REO at XXX

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

06/03/2025

Property report confirms no HOA

06/03/2025

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

700000139

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Loan Review Complete

05/28/2025

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: (XXX CFR §XXX(e) (XXX) (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) (XXX) (i) on or after the date on which the creditor provides the disclosures required under §XXX(f) (XXX) (i). The consumer must receive a revised version of the disclosures required under §XXX(e) (XXX) (i) not later than XXX business days prior to consummation. If the revised version of the disclosures required §XXX(e) (XXX) (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. The revised LE does not contain a signature section and the document is cut off at the top to determine the date the borrower viewed it. The revised LE must be received no less than XXX business days prior to consummation.

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

06/02/2025

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

06/02/2025

is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job.

700000141

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Loan Review Complete

05/28/2025

Resolved

finding-3532

Compliance

Initial Closing Disclosure Delivery Date Test

The file did not contain the initial CD This loan failed the initial closing disclosure delivery date test due to one of the following findings:(XXX CFR §XXX(f) (XXX) (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) (XXX) (i) no later than XXX business days before consummation.

; Documentation received, XXX to review.; Document Uploaded. Please see attached ICD and audit trail confirming receipt.; Seller to provide missing initial CD. ;

06/02/2025

Initial CD provided; exception resolved; Initial CD provided; exception resolved

06/02/2025

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

700000143

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Loan Review Complete

05/29/2025

Resolved

FCRE1184

Credit

AUS Not Provided

Missing AUS findings with an Approve/Ineligible or Accept/ Ineligible.

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

06/06/2025

Matching AUS provided ; AUS is not missing

06/06/2025

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

700000143

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Loan Review Complete

05/29/2025

Resolved

FCRE1182

Credit

Approval/Underwriting Summary Not Provided

Missing Approval/Underwriting Summary. Missing Approval/Underwriting Summary.

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

06/06/2025

Final XXX received ; Approval/Underwriting Summary is fully present

06/06/2025

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

700000143

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Loan Review Complete

05/29/2025

Resolved

FCOM1232

Credit

The Final 1003 is Missing

The Final 1003 is Missing Missing the Final 1003.

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

06/06/2025

Executed Final 1003 received ; The Final 1003 is Present

06/06/2025

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

700000143

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Loan Review Complete

05/29/2025

Resolved

FCOM1220

Credit

The Deed of Trust is Missing

The Deed of Trust is Missing Missing Deed of Trust.

; ;

06/03/2025

The Deed of Trust is Present; Document Uploaded.

06/06/2025

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

700000147

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Loan Review Complete

05/30/2025

Resolved

FCRE1254

Credit

Property Title Issue

Property Title Issue Missing XXX closure letter for XXX acct #XXX

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

06/18/2025

XXX letter provided, finding resolved ; Property Title Issue Resolved

06/18/2025

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

700000151

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Loan Review Complete

06/03/2025

Resolved

FCRE1497

Credit

ATR: Reasonable Income or Assets Not Considered

ATR: Reasonable Income or Assets Not Considered Missing lease agreement for departure home at XXX to document monthly rent of $XXX and XXX day average stock price for XXX.

;

06/11/2025

schedule of rents for departure REO located, finding resolved ; ATR: Reasonable Income or Assets Was Considered

06/11/2025

Borrower has stable job time | is Greater than the Guideline Minimum

700000151

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Loan Review Complete

06/03/2025

Waived

FCRE5774

Credit

XXX Credit Report is Incomplete

XXX Credit Report is Partially Present. Borrower's XXX credit report is XXX. Per XXX AUS Program Eligibility Guide, credit reports with XXXs identified as “XXX” are required to be XXX and a current credit report with all XXXs XXX is required.

; ;

06/11/2025

XXX per client request via email. Risk accepted for B grade. Client acknowledged the following XXX (XXX) compensating factors for this purpose: XXX) XXX FICO, $XXX in reserves XXX) borrower has been on the job XXX years.

06/11/2025

Borrower has stable job time | is Greater than the Guideline Minimum

700000151

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Loan Review Complete

05/30/2025

Resolved

FCOM1206

Credit

The Note is Missing

The Note is Missing. Missing the Executed Note.

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

06/11/2025

Note received ; The Note is Present.

06/11/2025

Borrower has stable job time | is Greater than the Guideline Minimum

700000151

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Loan Review Complete

05/30/2025

Resolved

FCRE1437

Credit

Income and Employment Do Not Meet Guidelines

Income and Employment Do Not Meet Guidelines Missing lease agreement for departure home at XXX to document monthly rent of $XXX and XXX day average stock price for XXX

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

06/11/2025

Income and Employment Meet Guidelines; Schedule rents for departure home located in initial package. finding resolved ; XXX day moving average stock price received, file is still pending proof of rental income for departure home

06/11/2025

Borrower has stable job time | is Greater than the Guideline Minimum

700000153

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Loan Review Complete

06/07/2025

Rescinded

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. (XXX CFR §XXX(e) (XXX) (ii) ) The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the XXX tolerance according to §XXX(e) (XXX) (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 XXX 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) (XXX) (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) (XXX) (vi). This loan failed the charges that in total cannot increase more than XXX% test. (XXX CFR §XXX(e) (XXX) (ii) ) The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the XXX tolerance according to §XXX(e) (XXX) (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 XXX 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) (XXX) (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) (XXX) (vi).

;

06/09/2025

Error when inputting XXX and XXX in curative, exception NA

06/09/2025

700000153

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Loan Review Complete

06/02/2025

Resolved

FCRE0386

Credit

XXX Photo Identification not provided

XXX Photo Identification not provided.

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

06/09/2025

All closing related documentation received. Note, Mortgage, Final 1003, and borrower ID ; Photo Identification provided.

06/09/2025

Borrower has stable job time - Borrower has XXX years on job. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX

700000153

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Loan Review Complete

06/02/2025

Resolved

FCOM1224

Compliance

XXX Rider is Missing

XXX Rider is Missing Missing XXX Rider.

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

06/09/2025

All closing related documentation received. Note, Mortgage, Final 1003, and borrower ID ; The XXX Rider is Present

06/09/2025

Borrower has stable job time - Borrower has XXX years on job. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX

700000153

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Loan Review Complete

06/02/2025

Resolved

FCOM1232

Credit

The Final 1003 is Missing

The Final 1003 is Missing The Final 1003 is Missing.

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

06/09/2025

All closing related documentation received. Note, Mortgage, Final 1003, and borrower ID ; The Final 1003 is Present

06/09/2025

Borrower has stable job time - Borrower has XXX years on job. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX

700000153

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Loan Review Complete

06/02/2025

Resolved

FCOM1220

Credit

The Deed of Trust is Missing

The Deed of Trust is Missing The Deed of Trust is Missing.

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

06/09/2025

All closing related documentation received. Note, Mortgage, Final 1003, and borrower ID ; The Deed of Trust is Present

06/09/2025

Borrower has stable job time - Borrower has XXX years on job. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX

700000153

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Loan Review Complete

05/30/2025

Resolved

FCOM1621

Compliance

Missing Initial Escrow Disclosure

Initial Escrow Account Disclosure is Missing Missing Initial and Final Closing Disclosures to verify Escrow.

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

06/09/2025

XXX provided, exception resolved.; Initial Escrow Account Disclosure is Resolved

06/09/2025

Borrower has stable job time - Borrower has XXX years on job. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX

700000153

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Loan Review Complete

05/30/2025

Resolved

FCOM1544

Compliance

TRID: Missing Closing Disclosure

TRID: Missing Final Closing Disclosure Missing Initial and Final Closing Disclosures.

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

06/09/2025

Initial and Final CD's provided; Exception resolved; XXX: Final Closing Disclosure Provided

06/09/2025

Borrower has stable job time - Borrower has XXX years on job. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX

700000153

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Loan Review Complete

05/30/2025

Resolved

FCOM1206

Credit

The Note is Missing

The Note is Missing. The Note is missing.

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

06/09/2025

All closing related documentation received. Note, Mortgage, Final 1003, and borrower ID ; The Note is Present.

06/09/2025

Borrower has stable job time - Borrower has XXX years on job. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX

700000155

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Loan Review Complete

06/02/2025

Resolved

FCOM5135

Compliance

Missing Required Affiliated Business Disclosure

Required Affiliated Business Disclosure Missing

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

06/09/2025

Affiliated attestation provided; Exception resolved; Required Affiliated Business Disclosure Documentation Provided

06/09/2025

700000157

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Loan Review Complete

06/03/2025

Cured

FCOM1544

Compliance

TRID: Missing Closing Disclosure

TRID: Missing Final Closing Disclosure The incomplete CD in the loan file was issued on XX/XX/XXXX and signed at consummation but page XXX is incomplete and does not contain any loan calculation figures

; Docs received. In XXX review. ; Document Uploaded. ; ; Unable to cure. Possible C grade. Reaching out to XXX to see if we can accept C grade. ; ; ;

06/13/2025

Received copy of PCCD with LOE and proof of delivery to the borrower for testing. Exception cured.

06/13/2025

700000157

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Loan Review Complete

06/02/2025

Resolved

FCRE1185

Credit

AUS Partially Provided

AUS Partially Provided Missing Full LP Feedback

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

06/13/2025

DU AUS provided, finding resolved. ; AUS is not incomplete; Provided AUS assessment was already present in file. Missing final AUS results with matching terms.

06/13/2025

700000157

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Loan Review Complete

06/03/2025

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:(XXX CFR §XXX(f) (XXX) (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) (XXX) (i) no later than XXX business days before consummation. Without evidence of receipt, it is assumed that the disclosure dated XX/XX/XXXX was mailed, and therefore not received by the consumer XXX business days prior to the consummation date, XX/XX/XXXX. The defect can be cured by showing the consumer received the disclosure XXX business days prior to consummation.

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

06/10/2025

Initial CD receipt date provided; Exception resolved; Initial CD receipt date provided; Exception resolved

06/10/2025

700000157

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Loan Review Complete

06/03/2025

Resolved

finding-3634

Compliance

Charges That Cannot Increase Test

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

06/10/2025

Initial CD receipt date provided; Exception resolved; Initial CD receipt date provided; Exception resolved

06/10/2025

700000159

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Loan Review Complete

06/02/2025

Resolved

FCRE1184

Credit

AUS Not Provided

Missing AUS. Missing AUS.

; ; Documentation received, XXX to review.; Document Uploaded. ; Seller to provide AUS XXX as indicated on XXX;

06/10/2025

Matching AUS received ; AUS is not missing

06/10/2025

is Greater than the Guideline Minimum - 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%

700000161

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Loan Review Complete

06/02/2025

Resolved

FCRE1184

Credit

AUS Not Provided

Missing AUS The AUS is missing from the file.

; Documentation received, XXX to review.; Document Uploaded. ; AUS XXX listed on XXX;

06/10/2025

Matching AUS received ; AUS is not missing

06/10/2025

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

700000163

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Loan Review Complete

06/03/2025

Resolved

FCRE1184

Credit

AUS Not Provided

Missing AUS The subject loan was underwritten to XXX AUS Guide V XXX, effective XXX. Per XXX, a DU was used in the Underwriting process as required even though loans are manual. The required AUS is not in file.

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

06/11/2025

AUS provided, finding resolved ; AUS is not missing; Provided DU AUS dated XX/XX/XXXX does not match the final terms of the loan. Estimated value of $XXX and LTV/CLTV/HCLTV of XXX%. Please provide the final AUS with matching terms

06/11/2025

700000167

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Loan Review Complete

06/04/2025

Resolved

FCRE1185

Credit

AUS Partially Provided

AUS Partially Provided The Final XXX identifies the loan purpose as XXX, but AUS identifies it as XXX.

; ;

06/05/2025

AUS is not incomplete; Client accepts discrepancy between Final XXX loan purpose of XXX and AUS loan purpose of XXX. Condition is resolved.

06/05/2025

is Greater than the Guideline Minimum - 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% | 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%

700000169

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Loan Review Complete

06/04/2025

Resolved

FCRE7497

Credit

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

Per the Final 1003, the Borrowers are retaining their previous primary residence as an investment property. The file contains the mortgage Statement which confirms the P&I. However, the XXX shows total Monthly Insurance, Taxes, Association Dues of $XXX. There is no documentation in file to verify these charges.

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

06/10/2025

All required documentation for XXX receive, finding resolved

06/10/2025

is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job.

700000177

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Loan Review Complete

06/06/2025

Resolved

FCRE1182

Credit

Approval/Underwriting Summary Not Provided

Missing Approval/Underwriting Summary. There is no XXX in file.

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

06/12/2025

Approval/Underwriting Summary is fully present

06/12/2025

is Greater than the Guideline Minimum - 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% | 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.

700000177

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Loan Review Complete

06/06/2025

Resolved

FCRE0386

Credit

XXX Photo Identification not provided

XXX Photo Identification not provided. There in no documentation in file for the borrower's identification.

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

06/12/2025

Photo Identification provided.

06/12/2025

700000177

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Loan Review Complete

06/06/2025

Resolved

FCRE0387

Credit

XXX Photo Identification not provided

XXX Photo Identification not provided. There in no documentation in file for the borrower's identification.

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

06/12/2025

Photo Identification provided.

06/12/2025

700000177

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Loan Review Complete

06/06/2025

Resolved

FCRE7497

Credit

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

Per Initial 1003 (Final 1003 missing) and signed LOX in file, the Co-Borrower owns a XXX which is kept on leased land and has an annual hazard insurance bill of $XXX. Although included in the DTI, none of this information has been verified. The free and clear ownership of the XXX, the land XXX for the XXX, and the hazard insurance all need to be documented and verified.

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

06/12/2025

700000179

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Loan Review Complete

06/06/2025

Resolved

FCRE1497

Credit

ATR: Reasonable Income or Assets Not Considered

ATR: Reasonable Income or Assets Not Considered Missing documentation supporting the Social Security Income for B1 and B2

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

06/16/2025

ATR: Reasonable Income or Assets Was Considered

06/16/2025

700000183

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Loan Review Complete

06/10/2025

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: (XXX CFR §XXX(e) (XXX) (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) (XXX) (i) on or after the date on which the creditor provides the disclosures required under §XXX(f) (XXX) (i). The consumer must receive a revised version of the disclosures required under §XXX(e) (XXX) (i) not later than XXX business days prior to consummation. If the revised version of the disclosures required §XXX(e) (XXX) (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. The receipt for the LE dated XX/XX/XXXX is not readable and the disclosure tracking for this disclosure is not found in file. The LE cannot be confirmed to have been received at least XXX days prior to consummation.

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

06/16/2025

Receipt date provided; exception resolved; Receipt date provided; exception resolved

06/16/2025

Borrower has stable job time - Borrower has XXX years on job. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX

700000185

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Loan Review Complete

06/10/2025

Resolved

FCRE3653

Credit

Missing letter of explanation

Per final XXX, DTI was XXX%. Audited DTI is XXX%. Difference is due to the monthly XXX for B1 in the amount of $XXX not being included. Missing documentation to support exclusion.

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

06/16/2025

Received updated Final 1003 and XXX reflected corrected DTI of XXX% XXX included in DTI

06/16/2025

700000193

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Loan Review Complete

05/14/2025

Cured

finding-3634

Compliance

Charges That Cannot Increase Test

; ; Document Uploaded. Documentation received, XXX to review.; Document Uploaded. pccd docs upld; ;

06/03/2025

XXX package provided to the borrower; exception downgraded to a XXX; PCCD docs and cure package was not uploaded. Please resend attahcments for review.

06/03/2025

Borrower has stable job time | is Greater than the Guideline Minimum

700000193

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Loan Review Complete

05/14/2025

Waived

FCRE1446

Credit

Asset XXX Expired

Asset XXX Expired The Borrower's XXX has been used to qualify. The last Statement in file is a quarterly Statement dated XXX. This is over XXX days due to closing date of XXX.

; ; ;

06/03/2025

XXX per client request via email. Client accepts risk for B grade and acknowledges the following XXX (XXX) compensating factors for this purpose: XXX) borrower has XXX years on job XXX) XXX FICO XXX) borrower owned departing XXX years.

06/03/2025

Borrower has stable job time | is Greater than the Guideline Minimum

700000193

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Loan Review Complete

05/15/2025

Resolved

FCRE1495

Credit

ATR: Current Employment Not Verified

ATR: Current Employment Not Verified Missing signed XXX, XXX and XXX tax returns used to qualify

; Documentation received, XXX to review.; Document Uploaded. signed returns upld; ; ;

06/03/2025

ATR: Current Employment Was Verified

06/03/2025

Borrower has stable job time | is Greater than the Guideline Minimum

700000193

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Loan Review Complete

05/15/2025

Resolved

FCRE1437

Credit

Income and Employment Do Not Meet Guidelines

Income and Employment Do Not Meet Guidelines Personal tax returns were not signed as required per XXX guide

; Documentation received, XXX to review.; Document Uploaded. signed returns upld; ; ;

06/03/2025

Executed XXX received ; Income and Employment Meet Guidelines

06/03/2025

Borrower has stable job time | is Greater than the Guideline Minimum

700000193

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Loan Review Complete

05/14/2025

Resolved

FCRE1324

Credit

XXX Tax Returns Not Signed

XXX Tax Returns Not Signed Missing signed XXX tax returns and XXX tax returns

; Documentation received, XXX to review.; Document Uploaded. signed returns upld; ; ; ;

06/03/2025

Executed XXX received; XXX Tax Returns Are Signed

06/03/2025

Borrower has stable job time | is Greater than the Guideline Minimum

700000195

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Loan Review Complete

06/23/2025

Resolved

FCRE1254

Credit

Property Title Issue

Property Title Issue Missing documentation evidence the XXX per Item #XXX of the Title Commitment against the XXX or the signed an affidavit of XXX

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

07/02/2025

Signed affidavit provided to confirm judgements on item #XXX are not transaction borrowers. ; Property Title Issue Resolved

07/02/2025

700000197

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Loan Review Complete

06/24/2025

Waived

FCOM3849

Compliance

Evidence of Appraisal Delivery to Borrower not Provided or Late (XXX CFR XXX(a) (XXX) )

07/09/2025

Client acknowledges XXX finding. Exception status changed to XXX per client’s email request.

07/09/2025

700000201

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Loan Review Complete

06/26/2025

Waived

FCRE1491

Credit

Asset Qualification Does Not Meet Guideline Requirements

Asset Qualification Does Not Meet Guideline Requirements Borrower's agent is related to borrower. XXX from relatives that are interested parties to the transaction are not allowed, unless it is a XXX.

; ; ;

07/14/2025

XXX per client request. Client accepts risk for B grade and acknowledges the following XXX (XXX) compensating factors for this purpose: Comp Factors: XXX) is Greater than the Guideline Minimum (XXX Fico Min XXX) , XXX) Borrower has stable job time, XXX) Qualifying DTI below max allowed (XXX%, Max XXX%).; No additional information provided at this time

07/14/2025

700000201

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Loan Review Complete

06/26/2025

Waived

FCRE1440

Credit

Housing History Does Not Meet Guideline Requirements

Housing History Does Not Meet Guideline Requirements If the borrower(s) is a XXX and has a rental history in the most recent XXX (XXX) months, a VOR must be obtained reflecting XXX in the last XXX (XXX) months. Applies to all borrowers on the loan. VOR in the file shows XXX in the last XXX months.

07/01/2025

07/14/2025

700000201

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Loan Review Complete

06/26/2025

Resolved

FCRE1184

Credit

AUS Not Provided

Missing AUS

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

07/11/2025

AUS is not missing

07/14/2025

700000201

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Loan Review Complete

06/27/2025

Resolved

FCOM5135

Compliance

Missing Required Affiliated Business Disclosure

Required Affiliated Business Disclosure Missing

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

07/08/2025

Required Affiliated Business Disclosure Documentation Provided

07/14/2025

700000201

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Loan Review Complete

07/11/2025

Resolved

FCRE6101

Credit

Audited AUS Interested Party Contribution Exceeds Guideline Program Maximum

Audited AUS Interested Party Contribution of XXX% exceeds maximum AUS interested party contribution standards of XXX%.

07/11/2025

Audited Interested XXX is less than or equal to Guideline Program Maximum

07/14/2025

700000207

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Loan Review Complete

07/07/2025

Resolved

FCRE1335

Credit

XXXXXXTranscripts Missing

XXX Transcripts Missing The file does contain the transcripts for the borrower's personal tax returns (XXX) ; however, there are no transcripts in file for the borrower's business returns (XXX-S) for XXX & XXX, and these returns are not signed.

; Documentation received, XXX to review.; Document Uploaded. signed business returns upld; ;

07/11/2025

Signed business returns provided; XXX Provided

07/11/2025

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 DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX

700000211

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Loan Review Complete

07/15/2025

Rescinded

FCRE1324

Credit

XXX Tax Returns Not Signed

XXX Tax Returns Not Signed XXX Business Tax Returns are not signed and tax transcripts were not provided in XXX

; ; ; ;

07/16/2025

Signed XXX returns contained in the loan file. Finding is rescinded.

07/16/2025

700000211

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Loan Review Complete

07/14/2025

Resolved

FCOM9186

Compliance

eSigned Documents Consent is Missing

The eSigned consent disclosure is missing. The eSigned documents consent is missing. The blend document in file is listing the electronic consent as pending

; ; Document Uploaded. ;

07/16/2025

Evidence of eConsent is provided.

07/16/2025

700000213

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Loan Review Complete

05/01/2025

Resolved

FCRE3606

Credit

HMDA Data Tape Not Provided

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

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

05/05/2025

is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job.