Angel Oak Mortgage Trust I, LLC ABS-15G

Exhibit 99.13

 

 

Loan ID Seller Loan ID Investor Loan ID Overall Initial Loan Grade Overall Final Loan Grade Credit Initial Loan Grade Credit Current/Final Loan Grade Compliance Initial Loan Grade Compliance Current/Final Loan Grade Property Initial Loan Grade Property Current/Final Loan Grade Queue Finding Code Date Created Date Modified Finding Status Event Level Initial Finding Grade Current/Final Finding Grade Finding Category Finding Sub Category Finding Name Finding Comments Seller Comments Resolution Comments Reviewer Comp Factor Originator Comp Factors Finding Documents Originator QM Status Final Reviewed QM Status Loan Amount Property State Occupancy Loan Purpose Refinance Purpose Acknowledged / WaivedBy Waiver in File? Unique Finding ID
2025090440 XXX   D B D B A A A A Closed XXX XXX XXX Waived 2 - Non-Material C B Credit Eligibility Property Does Not Meet Guidelines (credit) Waived-Client provided a waiver for property being listed, applied to non material finding with  comp factors - Due Diligence Vendor-XXX
Ready for Review-Document Uploaded. Exception approval email - Buyer-XXX
Open-Property Issues are identified for the property 1008 reflects Exception was approved for the fact borrower listed subject property for sale within the past XXX months. (exception not showing on file)  - Due Diligence Vendor-XXX		   Waived-Client provided a waiver for property being listed, applied to non material finding with  comp factors - Due Diligence Vendor-XXX
 DSCR =/> XXX and minimum is XXX or Less - DSCR XXX, Min .XXX
Months Reserves exceed minimum required -  XXX mths reserves; XXX mths required.		  XXX% LTV < XXX% maximum allowed.
XXX months reserves > XXX months minimum required.		 XXX.pdf ATR/QM: Exempt ATR/QM: Exempt XXX XXX XXX XXX XXX Investor Post-Close No XXX
2025090440 XXX   D B D B A A A A Closed XXX XXX XXX Resolved 1 - Information C A Credit Title Satisfactory XXX not Provided Resolved-Received XXX - Due Diligence Vendor-XXX
Ready for Review-Document Uploaded. XXX - Buyer-XXX
Open-XXX provided. Missing XXX. - Due Diligence Vendor-XXX		   Resolved-Received chain of Title - Due Diligence Vendor-XXX
 DSCR =/> XXX and minimum is XXX or Less - DSCR XXX, Min .XXX
Months Reserves exceed minimum required -  XXX mths reserves; XXX mths required.		   XXX.pdf ATR/QM: Exempt ATR/QM: Exempt XXX XXX XXX XXX XXX N/A N/A XXX
2025090440 XXX   D B D B A A A A Closed XXX XXX XXX Resolved 1 - Information D A Credit Missing Doc Flood Certificate Missing Resolved-Received Flood Certificate - Due Diligence Vendor-XXX
Ready for Review-Document Uploaded. Flood cert - Buyer-XXX
Open-Missing Flood Certificate Missing Flood Cert  - Due Diligence Vendor-XXX		   Resolved-Received Flood Certificate - Due Diligence Vendor-XXX
 DSCR =/> XXX and minimum is XXX or Less - DSCR XXX, Min .XXX
Months Reserves exceed minimum required -  XXX mths reserves; XXX mths required.		   XXX.pdf ATR/QM: Exempt ATR/QM: Exempt XXX XXX XXX XXX XXX N/A N/A XXX
2025090440 XXX   D B D B A A A A Closed XXX XXX XXX Resolved 1 - Information C A Credit Eligibility Valuation Product Does Not Meet Guidelines Resolved-Desk Review supporting the appraised value with a XXX% variance.  - Due Diligence Vendor-XXX
Ready for Review-Document Uploaded. cda - Buyer-XXX
Open-XXX product CU scored a 3XXX1.  Provide adequate XXX. - Due Diligence Vendor-XXX		   Resolved-Desk Review supporting the appraised value with a XXX% variance.  - Due Diligence Vendor-XXX
 DSCR =/> XXX and minimum is XXX or Less - DSCR XXX, Min .XXX
Months Reserves exceed minimum required -  XXX mths reserves; XXX mths required.		   XXX.pdf ATR/QM: Exempt ATR/QM: Exempt XXX XXX XXX XXX XXX N/A N/A XXX
2025090488 XXX   C A C A A A A A Closed XXX XXX XXX Resolved 1 - Information C A Credit Eligibility Property Does Not Meet Guidelines (credit) Resolved-After re-review, appraiser notes all utilities were on and the photos reflect the upper units were complete. - Due Diligence Vendor-XXX
Ready for Review-Document Uploaded. Seller rebuttal - Buyer-XXX
Open-Property Issues are identified for the property Missing full XXX inspection to confirm that all XXX units construction are habitable.  XXX show subject recently underwent considerable renovations to the units.  The appraisal was marked "As Is" for completion status; however, the XXX depict various XXX , with XXX.  Although there is a XXX, it only addresses XXX renovations completed but there are XXX units.  Missing documentation that confirms all XXX units are  completed with XXX, XXX and equipment removed and all utilities are in working order and habitable - Due Diligence Vendor-XXX		   Resolved-After re-review, appraiser notes all utilities were on and the photos reflect the upper units were complete. - Due Diligence Vendor-XXX
 Months Reserves exceed minimum required - Reserves: XXX Min XXX
Qualifying FICO score is at least XXX points above minimum for program - FICO: XXX Min XXX		   XXX.pdf ATR/QM: Exempt ATR/QM: Exempt XXX XXX XXX XXX XXX N/A N/A XXX
2025090487 XXX   D B D B A A A A Closed XXX XXX XXX Waived 2 - Non-Material C B Credit Income/Employment Income documentation does not meet guidelines Waived-Client provided a waiver for XXX bank statements with XXX account holder, applied to non material finding with reviewed comp factors. - Due Diligence Vendor-XXX
Ready for Review-Document Uploaded. Exception request and approval - Buyer-XXX
Counter--Exception approval required for additional account holder on XXX bank statements. - Due Diligence Vendor-XXX
Open-Income documentation does not meet guidelines. Borrower has a accountant on XXX bank statements. This is not allowed per guidelines, as the only person allowed on XXX statements is a XXX. An exception is required to allow the accountant/CPA on XXX bank statements. - Due Diligence Vendor-XXX		   Waived-Client provided a waiver for XXX bank statements with non-spouse account holder, applied to non material finding with reviewed comp factors. - Due Diligence Vendor-XXX
 LTV is less than guideline maximum - XXX% LTV is less than guideline maximum of XXX%
Months Reserves exceed minimum required - XXX Months Reserves exceed minimum required of XXX months		  XXX% LTV < XXX% maximum allowed.
 XXX FICO > XXX minimum required.		 XXX.pdf
XXX.pdf		 ATR/QM: Exempt ATR/QM: Exempt XXX XXX XXX XXX XXX Investor Post-Close No XXX
2025090487 XXX   D B D B A A A A Closed XXX XXX XXX Resolved 1 - Information D A Credit Missing Doc Missing explanation and supporting documentation for large deposit(s) Resolved--Rec'd Sett Stmt for sale of other XXX to confirm large $XXX deposit from sale of property and excess deposit returned; finding resolved. - Due Diligence Vendor-XXX
Counter-Received XXX for large deposits showing $XXX deposit from XXX Refi; please provide correct XXX and XXX for sale of property to evidence this deposit.  $XXX proceeds and $XXX excess deposit return. - Due Diligence Vendor-XXX
Ready for Review-Document Uploaded. Rebuttal Uploaded - Buyer-XXX
Open-Missing explanation and supporting documentation for large deposit(s) in the amount of
1. XXX
2.XXX
 - Due Diligence Vendor-XXX		   Resolved--Rec'd Sett Stmt for sale of other XXX to confirm large $XXX deposit from sale of property and excess deposit returned; finding resolved. - Due Diligence Vendor-XXX
 LTV is less than guideline maximum - XXX% LTV is less than guideline maximum of XXX%
Months Reserves exceed minimum required - XXX Months Reserves exceed minimum required of XXX months		   XXX.pdf ATR/QM: Exempt ATR/QM: Exempt XXX XXX XXX XXX XXX N/A N/A XXX
2025090487 XXX   D B D B A A A A Closed XXX XXX XXX Resolved 1 - Information C A Credit Eligibility Audited DTI Exceeds Guideline DTI Resolved--DTI is XXX% after excluding a portion of large deposit confirmed to be an excess deposit refund for $XXX; finding resolved. - Due Diligence Vendor-XXX
Counter-Unfortunately, we do not have enough evidence this is predictable income.  While the borrower is experienced in XXX, we do not have enough documentation to support on going deposits of this amount, as it well outside of the other deposits.  It also appears the borrower may have lost money on the XXX.  Finding remains. - Due Diligence Vendor-XXX
Ready for Review-Document Uploaded. documents sent from the lender merged and uploaded for review. - Due Diligence Vendor-XXX
Counter-Received the XXX of state for XXX showing XXX as the XXX  for this XXX. Missing XXX to XXX bank statement, does not show a history of such deposit (total deposit exceeding $XXX, occurred only XXX times in XXX months). Explanation and supporting documentation still required. - Due Diligence Vendor-XXX
Ready for Review-Document Uploaded. Attached is the XXX of state for XXX   showing XXX as the sole owner for this entity.  - Buyer-XXX
Counter-Documents provided are contradicting:

1. Large deposit of $XXX: original clarification provided stated funds where from C/O refi of XXX (which made funds ineligible as income). New clarification and documents received states funds are proceeds from sale of one of these XXX. Seller on settlement statement lists a business that audit is unable to tie to borrower. Also, no documentation or business narrative was provided to support the nature of the borrower’s business and to validate that borrower is a XXX.

2. Large deposit of $XXX, clarification states “Borrower has numerous large deposits. For this business- The bank statement we found it to make sense for the large deposits and not ask for additional information.” However, Audit’s review of XXX  to XXX bank statement, does not show a history of such deposit (total deposit exceeding $XXX, occurred only XXX times in XXX months). Explanation and supporting documentation still required.
 - Due Diligence Vendor-XXX
Ready for Review-Document Uploaded. Supporting docs - Buyer-XXX
Open-Audited DTI of XXX% exceeds Guideline DTI of XXX% *New* Per XXX, excluded $XXX as it was proceeds of a cash out refinance of an XXX  and is not considered income. - Due Diligence Vendor-XXX		   Resolved--DTI is XXX% after excluding a portion of large deposit confirmed to be an excess deposit refund for $XXX; finding resolved. - Due Diligence Vendor-XXX
 LTV is less than guideline maximum - XXX% LTV is less than guideline maximum of XXX%
Months Reserves exceed minimum required - XXX Months Reserves exceed minimum required of XXX months		   XXX.pdf
XXX.pdf
XXX.pdf
XXX.pdf
XXX.pdf
XXX.pdf		 ATR/QM: Exempt ATR/QM: Exempt XXX XXX XXX XXX XXX N/A N/A XXX
2025090437 XXX   D A D A A A A A Closed XXX XXX XXX Resolved 1 - Information D A Credit Missing Doc Borrower 2 3rd Party VOE Prior to Close Missing Resolved-Received XXX for wage employment - Due Diligence Vendor-XXX
Ready for Review-Document Uploaded. Attached the XXX for Borrower XXX for XXX. - Buyer-XXX
Counter-XXX has wage earner income in addition to XXX income.  Please provide the XXX days XXX for XXX . - Due Diligence Vendor-XXX
Ready for Review-Document Uploaded. the XXX borrower is XXX and we have a cpa letter in the file within XXX Calendar days prior to the note date.  This should be cancelled.  Attached the XXX Letter. - Buyer-XXX
Open-Borrower 2 3rd Party VOE Prior to Close Missing. XXX provided is > XXX days from close - Due Diligence Vendor-XXX		   Resolved-Received XXX for wage employment - Due Diligence Vendor-XXX
 Residual Income =/> XXX times $XXX monthly residual income - $XXX monthly residual income, $XXX monthly residual income required
Qualifying FICO score is at least XXX points above minimum for program - Qualifying credit score XXX; minimum required XXX		   XXX.pdf
XXX.pdf		 QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) XXX XXX XXX XXX NA N/A N/A XXX
2025090485 XXX   C A C A A A A A Closed XXX XXX XXX Resolved 1 - Information C A Credit Eligibility Audited Reserves are less than Guideline Required Reserves (Number of Months) Resolved-Received additional post close assets.  Used the balance as of closing on XXX. Audited Reserves of XXX month(s) are greater than or equal to Guideline Required Reserves of XXX month(s) - Due Diligence Vendor-XXX
Ready for Review-Document Uploaded. Updated 1003 with XXX Addition. / Borrower XXX% Owner of XXX. / XXX Total. / XXX. / XXX .




 - Buyer-XXX
Open-Audited Reserves of XXX month(s) are less than Guideline Required Reserves of XXX month(s) XXX (XXX) months reserves required. Short assets/reserves of $XXX. - Due Diligence Vendor-XXX		   Resolved-Received additional post close assets.  Used the balance as of closing on XXX. Audited Reserves of XXX month(s) are greater than or equal to Guideline Required Reserves of XXX month(s) - Due Diligence Vendor-XXX
 LTV is less than guideline maximum - LTV XXX%; Max XXX%.
Qualifying FICO score is at least XXX points above minimum for program - Qualifying Credit Score XXX; Minimum required XXX.		   XXX.pdf
XXX.pdf
XXX.pdf
XXX.pdf
XXX.pdf		 ATR/QM: Exempt ATR/QM: Exempt XXX XXX XXX XXX XXX N/A N/A XXX
2025090435 XXX   D A D A A A A A Closed XXX XXX XXX Resolved 1 - Information C A Credit Eligibility Prepayment Penalty Discrepancy Resolved-Received updated Note and Mortgage reflecting XXX month XXX. - Due Diligence Vendor-XXX
Ready for Review-Document Uploaded. Supporting Doc Uploaded - Seller-XXX
Open-XXX  and addendum to Note states XXX is for XXX months , final CD reflects XXX for XXX months.  - Due Diligence Vendor-XXX		 Ready for Review-Document Uploaded. Supporting Doc Uploaded - Seller-XXX
 Resolved-Received updated Note and Mortgage reflecting XXX month XXX. - Due Diligence Vendor-XXX
 Months Reserves exceed minimum required - XXX months PITIA reserves; XXX months reserves required.
LTV is less than guideline maximum - LTV XXX%; max XXX%.		   XXX.pdf
XXX.pdf		 ATR/QM: Exempt ATR/QM: Exempt XXX XXX XXX XXX NA N/A N/A XXX
2025090435 XXX   D A D A A A A A Closed XXX XXX XXX Resolved 1 - Information D A Credit Missing Doc XXX Policy is Missing Resolved-Received the XXX. - Due Diligence Vendor-XXX
Ready for Review-Document Uploaded. XXX - Buyer-XXX
Open-Missing XXX Missing XXX XXX page - Due Diligence Vendor-XXX		   Resolved-Received the XXX Policy. - Due Diligence Vendor-XXX
 Months Reserves exceed minimum required - XXX months PITIA reserves; XXX months reserves required.
LTV is less than guideline maximum - LTV XXX%; max XXX%.		   XXX.pdf ATR/QM: Exempt ATR/QM: Exempt XXX XXX XXX XXX NA N/A N/A XXX
2025090435 XXX   D A D A A A A A Closed XXX XXX XXX Resolved 1 - Information C A Credit Insurance XXX coverage is not sufficient Resolved-Received the XXX. - Due Diligence Vendor-XXX
Open-Insufficient Coverage Amount for Insured Subject Property. - Due Diligence Vendor-XXX		   Resolved-Received the XXX. - Due Diligence Vendor-XXX
 Months Reserves exceed minimum required - XXX months PITIA reserves; XXX months reserves required.
LTV is less than guideline maximum - LTV XXX%; max XXX%.		     ATR/QM: Exempt ATR/QM: Exempt XXX XXX XXX XXX NA N/A N/A XXX
2025090435 XXX   D A D A A A A A Closed XXX XXX XXX Resolved 1 - Information C A Credit Closing Issues exist on the Mortgage Document (Deed of Trust) Resolved-Received the Legal Description. There are no issues present on the Mortgage Document (Deed of Trust). - Due Diligence Vendor-XXX
Ready for Review-Document Uploaded. Supporting Doc Uploaded - Seller-XXX		 Ready for Review-Document Uploaded. Supporting Doc Uploaded - Seller-XXX
 Resolved-Received the Legal Description. There are no issues present on the Mortgage Document (Deed of Trust). - Due Diligence Vendor-XXX
 Months Reserves exceed minimum required - XXX months PITIA reserves; XXX months reserves required.
LTV is less than guideline maximum - LTV XXX%; max XXX%.		   XXX.pdf ATR/QM: Exempt ATR/QM: Exempt XXX XXX XXX XXX NA N/A N/A XXX
2025090435 XXX   D A D A A A A A Closed XXX XXX XXX Resolved 1 - Information C A Credit Borrower Business Entity Formation Document is Missing Resolved-Received the Business Entity Formation Document. - Due Diligence Vendor-XXX
Ready for Review-Document Uploaded. business entity - XXX=XXX% - Buyer-XXX
Open-The Business Entity Formation Document is Missing Percentage of ownership documentation not provided and missinf XXX number - Due Diligence Vendor-XXX		   Resolved-Received the XXX Entity Formation Document. - Due Diligence Vendor-XXX
 Months Reserves exceed minimum required - XXX months PITIA reserves; XXX months reserves required.
LTV is less than guideline maximum - LTV XXX%; max XXX%.		   XXX.pdf ATR/QM: Exempt ATR/QM: Exempt XXX XXX XXX XXX NA N/A N/A XXX
2025090434 XXX   D A D A A A A A Closed XXX XXX XXX Resolved 1 - Information D A Credit Missing Doc Missing or Incomplete 1003 Resolved-Received XXX providing the XXX . - Due Diligence Vendor-XXX
Ready for Review-Document Uploaded. The application doesnt feild to include this information so the borrower provide in an XXX
 - Seller-XXX
Counter-Application is missing the borrower's XXX and length of time at residence. - Due Diligence Vendor-XXX
Ready for Review-Document Uploaded. Loan app we use thats been approved by XXX in lieu of 1003 - Seller-XXX
Open-Initial and Final Loan applications are missing. - Due Diligence Vendor-XXX		 Ready for Review-Document Uploaded. The application doesnt feild to include this information so the borrower provide in an email
 - Seller-XXX
 Ready for Review-Document Uploaded. Loan app we use thats been approved by XXX in lieu of 1003 - Seller-XXX
 Resolved-Received XXX providing the primary residence. - Due Diligence Vendor-XXX
 Qualifying FICO score is at least XXX points above minimum for program - XXX>XXX
Months Reserves exceed minimum required - XXX>XXX		   XXX.pdf
XXX.pdf		 ATR/QM: Exempt ATR/QM: Exempt XXX XXX XXX XXX XXX N/A N/A XXX
2025090434 XXX   D A D A A A A A Closed XXX XXX XXX Resolved 1 - Information D A Credit Missing Doc Flood Certificate Missing Resolved-Flood Certificate is fully present - Due Diligence Vendor-XXX
Ready for Review-Document Uploaded.  Flood Cert  - Buyer-XXX
Open-Missing Flood Certificate Missing flood certificate - additional conditions may apply - Due Diligence Vendor-XXX		   Resolved-Flood Certificate is fully present - Due Diligence Vendor-XXX
 Qualifying FICO score is at least XXX points above minimum for program - XXX>XXX
Months Reserves exceed minimum required - XXX>XXX		   XXX.pdf ATR/QM: Exempt ATR/QM: Exempt XXX XXX XXX XXX XXX N/A N/A XXX
2025090434 XXX   D A D A A A A A Closed XXX XXX XXX Resolved 1 - Information D A Credit Missing Doc XXX Policy is Missing Resolved-Received XXX - Due Diligence Vendor-XXX
Ready for Review-Document Uploaded. Insurance docs
 - Seller-XXX
Ready for Review-Document Uploaded. Insurance docs - Seller-XXX
Open-Missing XXX Missing XXX - additional conditions may apply - Due Diligence Vendor-XXX		 Ready for Review-Document Uploaded. Insurance docs
 - Seller-XXX
 Ready for Review-Document Uploaded. Insurance docs - Seller-XXX
 Resolved-Received XXX - Due Diligence Vendor-XXX
 Qualifying FICO score is at least XXX points above minimum for program - XXX>XXX
Months Reserves exceed minimum required - XXX>XXX		   XXX.pdf
XXX.pdf
XXX.pdf		 ATR/QM: Exempt ATR/QM: Exempt XXX XXX XXX XXX XXX N/A N/A XXX
2025090434 XXX   D A D A A A A A Closed XXX XXX XXX Resolved 1 - Information C A Credit Closing Issues exist on the Mortgage Document (Deed of Trust) Resolved-XXX to the Note was provided. - Due Diligence Vendor-XXX
Counter-Per instructions from XXX and Addendum to the Note and the XXX for the Mortgage is required. - Due Diligence Vendor-XXX
Ready for Review-Document Uploaded. XXX to DOT LOX - Seller-XXX
Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Mortgage is Open-Ended, Missing XXX.   - Due Diligence Vendor-XXX		 Ready for Review-Document Uploaded. XXX rider to DOT LOX - Seller-XXX
 Resolved-XXX rider to the Note was provided. - Due Diligence Vendor-XXX
 Qualifying FICO score is at least XXX points above minimum for program - XXX>XXX
Months Reserves exceed minimum required - XXX>XXX		   XXX.pdf ATR/QM: Exempt ATR/QM: Exempt XXX XXX XXX XXX XXX N/A N/A XXX
2025090476 XXX   D A D A A A A A Closed XXX XXX XXX Resolved 1 - Information C A Credit Title Satisfactory XXX not Provided Resolved-Received correct XXX and XXX reflecting.  XXX has been provided - Due Diligence Vendor-XXX
Ready for Review-Document Uploaded. Prelim with XXX and XXX  to prelim revised - Buyer-XXX
Open-XXX provided. Missing full XXX Month XXX. XXX is incomplete, shows XXX in XXX not XXX  or borrower.  - Due Diligence Vendor-XXX		   Resolved-Received correct preliminary title-vesting and chain of title reflecting.  Satisfactory XXX has been provided - Due Diligence Vendor-XXX
 Months Reserves exceed minimum required - Reserves: XXX Min XXX
Qualifying FICO score is at least XXX points above minimum for program - FICO: XXX Min XXX
DSCR % greater than XXX - DSCR: XXX Min XXX		   XXX.pdf
XXX.pdf		 ATR/QM: Exempt ATR/QM: Exempt XXX XXX XXX XXX XXX N/A N/A XXX
2025090476 XXX   D A D A A A A A Closed XXX XXX XXX Resolved 1 - Information D A Credit Missing Doc Title Document is Incomplete Resolved-Received correct XXX  for subject property reflecting vesting and XXX included.   - Due Diligence Vendor-XXX
Ready for Review-Document Uploaded. Prelim with XXX and XXX to prelim revised - Buyer-XXX
Open-Title Document is Incomplete Missing full XXX,  only XXX page/Sch A of preliminary report provided, other schedules missing.  - Due Diligence Vendor-XXX		   Resolved-Received correct XXX report for subject property reflecting vesting and all schedules included.   - Due Diligence Vendor-XXX
 Months Reserves exceed minimum required - Reserves: XXX Min XXX
Qualifying FICO score is at least XXX points above minimum for program - FICO: XXX Min XXX
DSCR % greater than XXX - DSCR: XXX Min XXX		   XXX.pdf
XXX.pdf		 ATR/QM: Exempt ATR/QM: Exempt XXX XXX XXX XXX XXX N/A N/A XXX
2025090484 XXX   C B C B A A A A Closed XXX XXX XXX Waived 2 - Non-Material C B Credit Eligibility Short Term Rental Income does not meet guidelines Waived-Client waiver applied to non-material finding with compensating factors. - Due Diligence Vendor-XXX
Ready for Review-Document Uploaded. Investor waiver - Buyer-XXX
Counter-Received commentary from the appraiser regarding no restrictions for using subject as a short term rental. However due to using Short-term rent to qualify, guidelines require a XXX month lookback period documented, and a XXX showing active online listing. In addition due to a XXX  a LTV reduction of XXX% must also be factored and a lender exception is to be provided to use STR. - Due Diligence Vendor-XXX
Ready for Review-Document Uploaded. Seller REBUTTAL: XXX guidelines have been met per images below, appraiser has noted XXX guidelines See Guidelines and Appraisal image on Rebuttal Form - Buyer-XXX
Open-Lender to provide XXX month lookback period documented, and a XXX showing XXX  listing. - Due Diligence Vendor-XXX		   Waived-Client waiver applied to non-material finding with compensating factors. - Due Diligence Vendor-XXX
 Additional assets not used to qualify - Additional asset in file in the amount of $XXX not used to qualify.
Months Reserves exceed minimum required - Months reserves required is XXX; qualifying reserves is XXX months.		 XXX% LTV
Additional asset in file in the amount of $XXX  not used to qualify.
qualifying reserves is XXX months
 XXX.pdf
XXX.pdf		 ATR/QM: Exempt ATR/QM: Exempt XXX XXX XXX XXX NA Investor Post-Close No XXX
2025090431 XXX   C B C B A A A A Closed XXX XXX XXX Waived 2 - Non-Material B B Credit Eligibility Housing History Does Not Meet Guideline Requirements Waived-Client exception granted, waiver applied with comp factors. - Due Diligence Vendor-XXX
Open-Housing History Does Not Meet Guideline Requirements Exception in file:  XXX Month Lease Required, Please allow a XXX month lease
 - Due Diligence Vendor-XXX		   Waived-Client exception granted, waiver applied with comp factors. - Due Diligence Vendor-XXX
 Qualifying FICO score is at least XXX points above minimum for program - Qualifying credit score XXX; minimum required XXX.
Months Reserves exceed minimum required - XXX months PITIA reserves; XXX months reserves required.		 XXX FICO
XXX DSCR
XXX mos reserves
LTV XXX%		   ATR/QM: Exempt ATR/QM: Exempt XXX XXX XXX XXX XXX Investor Post-Close No XXX
2025090431 XXX   C B C B A A A A Closed XXX XXX XXX Resolved 1 - Information C A Credit Title Vested Owner Signature Requirement Not met Resolved-Received Warranty Deed from XXX to XXX - Due Diligence Vendor-XXX
Ready for Review-Document Uploaded. supporting docs - Buyer-XXX
Counter-Received Warranty Deed from XXX to XXX.  Please provide the Warranty Deed from XXX to XXX. - Due Diligence Vendor-XXX
Ready for Review-Document Uploaded. Deed - Buyer-XXX
Open-Vested Owner Signature Requirement Not met.  Missing executed Warranty Deed from XXX to XXX.  - Due Diligence Vendor-XXX		   Resolved-Received Warranty Deed from XXX LLC to XXX LLC - Due Diligence Vendor-XXX
 Qualifying FICO score is at least XXX points above minimum for program - Qualifying credit score XXX; minimum required XXX.
Months Reserves exceed minimum required - XXX months PITIA reserves; XXX months reserves required.		   XXX.pdf
XXX.pdf		 ATR/QM: Exempt ATR/QM: Exempt XXX XXX XXX XXX XXX N/A N/A XXX
2025090431 XXX   C B C B A A A A Closed XXX XXX XXX Resolved 1 - Information C A Credit Eligibility Legal document incorrect or has issues Resolved-Document Uploaded. Client responded and provided executed XXX- condition resolved - Due Diligence Vendor-XXX
Open-Missing signatures on final XXX - Due Diligence Vendor-XXX		   Resolved-Document Uploaded. Client responded and provided executed XXX- condition resolved - Due Diligence Vendor-XXX
 Qualifying FICO score is at least XXX points above minimum for program - Qualifying credit score XXX; minimum required XXX.
Months Reserves exceed minimum required - XXX months PITIA reserves; XXX months reserves required.		   XXX.pdf ATR/QM: Exempt ATR/QM: Exempt XXX XXX XXX XXX XXX N/A N/A XXX
2025090432 XXX   D A D A A A A A Closed XXX XXX XXX Resolved 1 - Information C A Credit Closing Borrower 1 XXX Credit Report is Expired (Greater than XXX Days from Closing/Settlement Date) Resolved-Received XXX Report. - Due Diligence Vendor-XXX
Ready for Review-Document Uploaded. Please see attached XXX for XXX the monitoring was completed XXX day prior to funding. XXX - Buyer-XXX
Counter-Received XXX dated XXX-please provide report dated within XXX days of closing/note date.   - Due Diligence Vendor-XXX
Ready for Review-Document Uploaded. XXX attached to clear file for XXX - Buyer-XXX
Open-Borrower 1 XXX Credit Report is Expired (Greater than XXX days from Closing/Settlement Date). Credit refresh over XXX days old.  No other refresh found in file - Due Diligence Vendor-XXX		   Resolved-Received XXX Report. - Due Diligence Vendor-XXX
 Verified employment history exceeds guidelines - XXX years XXX verified, XXX years minimum required
Qualifying DTI below maximum allowed - Max XXX%, actual XXX%
Qualifying FICO score is at least XXX points above minimum for program - Min XXX, actual XXX		   XXX.pdf
XXX.pdf		 QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) XXX XXX XXX XXX NA N/A N/A XXX
2025090432 XXX   D A D A A A A A Closed XXX XXX XXX Resolved 1 - Information D A Credit Missing Doc Third Party Fraud Report not Provided Resolved-Received acceptable Fraud Report.   - Due Diligence Vendor-XXX
Ready for Review-Document Uploaded. Fraud Guard attached - Buyer-XXX
Open-Missing Third Party Fraud Report No fraud report in loan file - Due Diligence Vendor-XXX		   Resolved-Received acceptable Fraud Report.   - Due Diligence Vendor-XXX
 Verified employment history exceeds guidelines - XXX years XXX verified, XXX years minimum required
Qualifying DTI below maximum allowed - Max XXX%, actual XXX%
Qualifying FICO score is at least XXX points above minimum for program - Min XXX, actual XXX		   XXX.pdf QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) XXX XXX XXX XXX NA N/A N/A XXX
2025090489 XXX   C A C A A A A A Closed XXX XXX XXX Resolved 1 - Information C A Credit Eligibility XXX does not meet requirements Resolved-Received inspection and while some repairs are recommended, none are for subject unit - Due Diligence Vendor-XXX
Ready for Review-Document Uploaded. XXX  - Buyer-XXX
Counter-Documentation provided has been reviewed. However, XXX adds XXX new statutes to XXX XXX which adds a requirement for associations to perform the required inspections. The XXX does not meet the requirement of XXX. Additionally, while the XXX my meet XXX requirement for a limited review, again this does not negate the requirement for XXX. Subject XXX requires the XXX  from a XXX. Evidence of such has not been provided. Finding remains - Due Diligence Vendor-XXX
Ready for Review-Document Uploaded. Data understanding  XXX XXX / XXX  mentioned in reserves study applies to  XXX XXX / Rebuttal Not required on Limited review however, I have also noted is addressed on the XXX reserves study for this projects


 - Buyer-XXX
Open-Subject is missing required milestone inspection as required by XXX XXX. Subject was built before XXX, is of XXX or more units and contains
wood/wood-based products, for human occupancy/use. - Due Diligence Vendor-XXX		   Resolved-Received inspection and while some repairs are recommended, none are for subject unit - Due Diligence Vendor-XXX
 Qualifying FICO score is at least XXX points above minimum for program - Minimum FICO is XXX; qualifying FICO is XXX.
Months Reserves exceed minimum required - Months reserves required is XXX; qualifying reserves is XXX months.		   XXX.pdf
XXX.pdf
XXX.pdf
XXX.pdf
XXX.pdf
XXX.pdf		 ATR/QM: Exempt ATR/QM: Exempt XXX XXX XXX XXX XXX N/A N/A XXX
2025090428 XXX   D B D B A A A A Closed XXX XXX XXX Waived 2 - Non-Material C B Credit Eligibility Housing History Does Not Meet Guideline Requirements Waived-Client provided a waiver for private party XXX, applied to non material finding with reviewed comp factors - Due Diligence Vendor-XXX
Ready for Review-Document Uploaded. Exception request and approval uploaded - Buyer-XXX
Open-Housing History Does Not Meet Guideline Requirements Exception -  private party VOR for primary rental history.  - Due Diligence Vendor-XXX		   Waived-Client provided a waiver for private party VOR, applied to non material finding with reviewed comp factors - Due Diligence Vendor-XXX
 Months Reserves exceed minimum required - Months reserves required is XXX; qualifying reserves is XXX months.
LTV is less than guideline maximum - Maximum LTV is XXX%; qualifying LTV is XXX%		 XXX% LTV
XXX months reserves 		 XXX.pdf
XXX.pdf		 ATR/QM: Exempt ATR/QM: Exempt XXX XXX XXX XXX XXX Investor Post-Close No XXX
2025090428 XXX   D B D B A A A A Closed XXX XXX XXX Waived 2 - Non-Material C B Credit Eligibility Loan does not conform to program guidelines Waived-Client waiver provided to proceed with a XXX, waiver applied to non-material finding with compensating factors - Due Diligence Vendor-XXX   Waived-Client waiver provided to proceed with a vacant DSCR refinance, waiver applied to non-material finding with compensating factors - Due Diligence Vendor-XXX
 Months Reserves exceed minimum required - Months reserves required is XXX; qualifying reserves is XXX months.
LTV is less than guideline maximum - Maximum LTV is XXX%; qualifying LTV is XXX%		 Credit Score: XXX points above minimum
DSCR: XXX
Reserves: XXX months
Credit History: XXX to XXX		   ATR/QM: Exempt ATR/QM: Exempt XXX XXX XXX XXX XXX Investor Post-Close No XXX
2025090428 XXX   D B D B A A A A Closed XXX XXX XXX Resolved 1 - Information D A Credit Missing Doc Guaranty Agreement Missing Resolved-Received Note signed as XXX and XXX. - Due Diligence Vendor-XXX
Ready for Review-Document Uploaded. The XXX and Note have been signed as XXX and XXX.
 - Buyer-XXX
Open-The Subject Loan is a XXX  but the Guaranty Agreement Doc is 'Missing'. XXX Guaranty Agreement is missing. - Due Diligence Vendor-XXX		   Resolved-Received Note signed as individuals and member. - Due Diligence Vendor-XXX
 Months Reserves exceed minimum required - Months reserves required is XXX; qualifying reserves is XXX months.
LTV is less than guideline maximum - Maximum LTV is XXX%; qualifying LTV is XXX%		   XXX.pdf ATR/QM: Exempt ATR/QM: Exempt XXX XXX XXX XXX XXX N/A N/A XXX
2025090433 XXX   D B C B D A D A Closed XXX XXX XXX Waived 2 - Non-Material B B Credit Eligibility Loan does not conform to program guidelines Waived-Client exception granted, waiver applied with comp factors - Due Diligence Vendor-XXX
Open-Application submitted under rate/term refinance, however, XXX mortgage that was opened as of XXX (per credit report but recorded XXX on XXX) was verified as a previous XXX, however, per the XXX, refinancing a previous XXX seasoned < XXX year will be considered a XXX.  - Due Diligence Vendor-XXX		   Waived-Client exception granted, waiver applied with comp factors - Due Diligence Vendor-XXX
 Months Reserves exceed minimum required - XXX months PITIA reserves; XXX months reserves required.
LTV is less than guideline maximum - LTV XXX%; max XXX%.		 FICO is XXX,
Reserves are XXX months
LTV is XXX% 		   QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) XXX XXX XXX XXX XXX Investor Post-Close No XXX
2025090433 XXX   D B C B D A D A Closed XXX XXX XXX Waived 2 - Non-Material B B Credit Missing Doc Borrower 2 XXX Credit Report is Missing Waived-Borrower 2 XXX Credit Report is Missing On XXX Client Blanket waiver to be applied to missing XXX/XXX report – Client waiver applied to non material finding with comp factors - Due Diligence Vendor-XXX   Waived-Borrower 2 XXX Credit Report is Missing On XXX Client Blanket waiver to be applied to missing XXX report – Client waiver applied to non material finding with comp factors - Due Diligence Vendor-XXX
 Months Reserves exceed minimum required - XXX months PITIA reserves; XXX months reserves required.
LTV is less than guideline maximum - LTV XXX%; max XXX%.		     QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) XXX XXX XXX XXX XXX Investor Post-Close No XXX
2025090433 XXX   D B C B D A D A Closed XXX XXX XXX Waived 2 - Non-Material B B Credit Missing Doc Borrower 1 XXX Credit Report is Missing Waived-Borrower 1 XXX Credit Report is Missing On XXX Client Blanket waiver to be applied to missing XXX/XXX report – Client waiver applied to non material finding with comp factors - Due Diligence Vendor-XXX   Waived-Borrower 1 XXX Credit Report is Missing On XXX Client Blanket waiver to be applied to missing XXX report – Client waiver applied to non material finding with comp factors - Due Diligence Vendor-XXX
 Months Reserves exceed minimum required - XXX months PITIA reserves; XXX months reserves required.
LTV is less than guideline maximum - LTV XXX%; max XXX%.		     QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) XXX XXX XXX XXX XXX Investor Post-Close No XXX
2025090433 XXX   D B C B D A D A Closed XXX XXX XXX Resolved 1 - Information D A Property Missing Doc Secondary Valuation or Additional Valuation has not been entered per securitization requirements Resolved-XXX full appraisal reports provided. - Due Diligence Vendor-XXX
Ready for Review-Document Uploaded. XXX response - Seller-XXX
Open-Provide XXX to support value for appraisal dated XXX with a value of $XXX - Due Diligence Vendor-XXX		 Ready for Review-Document Uploaded. CDA response - Seller-XXX
 Resolved-XXX full appraisal reports provided. - Due Diligence Vendor-XXX
 Months Reserves exceed minimum required - XXX months PITIA reserves; XXX months reserves required.
LTV is less than guideline maximum - LTV XXX%; max XXX%.		   XXX.pdf QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) XXX XXX XXX XXX XXX N/A N/A XXX
2025090433 XXX   D B C B D A D A Closed XXX XXX XXX Resolved 1 - Information C A Credit Eligibility File does not contain XXX for credit inquiries Resolved-Received credit inquiry letter.  - Due Diligence Vendor-XXX
Ready for Review-Document Uploaded. XXX Credit Inquiries - Buyer-XXX
Open-XXX for credit inquiries is missing.  - Due Diligence Vendor-XXX		   Resolved-Received credit inquiry letter.  - Due Diligence Vendor-XXX
 Months Reserves exceed minimum required - XXX months PITIA reserves; XXX months reserves required.
LTV is less than guideline maximum - LTV XXX%; max XXX%.		   XXX.pdf QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) XXX XXX XXX XXX XXX N/A N/A XXX
2025090433 XXX   D B C B D A D A Closed XXX XXX XXX Resolved 1 - Information D A Compliance Missing Doc Right of Rescission is Missing Resolved-Upon further review, fiinding resolved. - Due Diligence Vendor-XXX
Ready for Review-Document Uploaded. XXX Response - Buyer-XXX
Open-XXX is Missing - Due Diligence Vendor-XXX		   Resolved-Upon further review, fiinding resolved. - Due Diligence Vendor-XXX
 Months Reserves exceed minimum required - XXX months PITIA reserves; XXX months reserves required.
LTV is less than guideline maximum - LTV XXX%; max XXX%.		   XXX.pdf QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) XXX XXX XXX XXX XXX N/A N/A XXX
2025090479 XXX   D A D A A A D A Closed XXX XXX XXX Resolved 1 - Information D A Property Missing Doc Appraisal is Missing Resolved-Received full appraisal reflecting correct owner of record and supporting property profile.  - Due Diligence Vendor-XXX
Ready for Review-Document Uploaded. Updated Appraisal.  Corrected to reflect Owner.
 - Buyer-XXX
Counter-Received XXX appraisal and 1007.   Appraiser notes owner of record as XXX & XXX.  This LLC is owned by XXX.  LLC documentation received does not reflect XXX by XXX.   - Due Diligence Vendor-XXX
Ready for Review-Document Uploaded. Appraisal - Seller-XXX
Open-Appraisal is Missing Missing XXX, XXX XXX Unit Appraisal Report, and XXX / Comparative Rent Schedule.  - Due Diligence Vendor-XXX		 Ready for Review-Document Uploaded. Appraisal - Seller-XXX
 Resolved-Received full appraisal reflecting correct owner of record and supporting property profile.  - Due Diligence Vendor-XXX
 LTV is less than guideline maximum - LTV: XXX Max XXX
Months Reserves exceed minimum required - Reserves: XXX Min XXX
Qualifying FICO score is at least XXX points above minimum for program - FICO: XXX Min XXX		   XXX.pdf
XXX.pdf
XXX.pdf		 ATR/QM: Exempt ATR/QM: Exempt XXX XXX XXX XXX XXX N/A N/A XXX
2025090479 XXX   D A D A A A D A Closed XXX XXX XXX Resolved 1 - Information C A Credit Eligibility XXX does not meet requirements Resolved-Received XXX attestation. - Due Diligence Vendor-XXX
Ready for Review-Document Uploaded. Underwriter Statement for XXX - Seller-XXX
Counter-XXX provided, please provide XXX attestation as to the reason the subject is not warrantable. Additional findings may apply. - Due Diligence Vendor-XXX
Ready for Review-Document Uploaded. XXX - Full Review.
 - Seller-XXX
Counter-Received revised 1008-missing XXX type.   XXX Attestation and/or documentation clearly stating whether the property is a XXX or XXX must be delivered with the file. Lender to provide XXX or XXX as
applicable. - Due Diligence Vendor-XXX
Ready for Review-Document Uploaded. Corrected 1008.  "XXX = NO. "
 - Seller-XXX
Open-1008 States subject XXX is not warrantable; however, it does not state the reason and exception is not found. File does not have a XXX  - Due Diligence Vendor-XXX		 Ready for Review-Document Uploaded. Underwriter Statement for Non Warrantable Condo - Seller-XXX
 Ready for Review-Document Uploaded. Condo Questionnaire - Full Review.
 - Seller-XXX
 Ready for Review-Document Uploaded. Corrected 1008.  "XXX = NO. "
 - Seller-XXX
 Resolved-Received UW attestation. - Due Diligence Vendor-XXX
 LTV is less than guideline maximum - LTV: XXX Max XXX
Months Reserves exceed minimum required - Reserves: XXX Min XXX
Qualifying FICO score is at least XXX points above minimum for program - FICO: XXX Min XXX		   XXX.pdf
XXX.pdf
XXX.pdf		 ATR/QM: Exempt ATR/QM: Exempt XXX XXX XXX XXX XXX N/A N/A XXX
2025090479 XXX   D A D A A A D A Closed XXX XXX XXX Resolved 1 - Information D A Credit Missing Doc Missing XXX Resolved-Received executed XXX. - Due Diligence Vendor-XXX
Ready for Review-Document Uploaded. XXX - Buyer-XXX
Open-Missing XXX for Security Instrument - Due Diligence Vendor-XXX		   Resolved-Received executed XXX . - Due Diligence Vendor-XXX
 LTV is less than guideline maximum - LTV: XXX Max XXX
Months Reserves exceed minimum required - Reserves: XXX Min XXX
Qualifying FICO score is at least XXX points above minimum for program - FICO: XXX Min XXX		   XXX.pdf ATR/QM: Exempt ATR/QM: Exempt XXX XXX XXX XXX XXX N/A N/A XXX
2025090472 XXX   C A C A A A A A Closed XXX XXX XXX Resolved 1 - Information C A Credit Assets Asset General Resolved-Backed out the XXX per the Client. - Due Diligence Vendor-XXX
Ready for Review-Document Uploaded. UW backed the XXX out of the XXX, he backed out XXX, borrower still had plenty of funds to close
 - Buyer-XXX
Counter-XXX of $XXX was disclosed on the Purchase contract and on the CD (Calculating Cash to Close). - Due Diligence Vendor-XXX
Ready for Review-Document Uploaded. Seller rebuttal uploaded - No XXX listed on closing disclosure
 - Buyer-XXX
Open-Missing asset documentation / paper trail source of funds for earnest money deposit  - Due Diligence Vendor-XXX		   Resolved-Backed out the XXX per the Client. - Due Diligence Vendor-XXX
 Qualifying FICO score is at least XXX points above minimum for program - Min XXX, actual XXX
Months Reserves exceed minimum required - Min XXX months, actual XXX months
DSCR % greater than XXX - Actual XXX		   XXX.pdf
XXX.pdf		 ATR/QM: Exempt ATR/QM: Exempt XXX XXX XXX XXX NA N/A N/A XXX
2025090472 XXX   C A C A A A A A Closed XXX XXX XXX Resolved 1 - Information C A Credit Eligibility Housing History Does Not Meet Guideline Requirements Resolved-Upon further review, the credit report has a XXX month history for this mortgage. - Due Diligence Vendor-XXX
Ready for Review-Document Uploaded. This is a transferred mtg from XXX to XXX - Buyer-XXX
Open-Housing History Does Not Meet Guideline Requirements Borrower's primary residence mortgage with XXX.  The account was opened XXX and only XXX months reviewed.  XXX months mortgage history missing for this mortgage.   - Due Diligence Vendor-XXX		   Resolved-Upon further review, the credit report has a XXX month history for this mortgage. - Due Diligence Vendor-XXX
 Qualifying FICO score is at least XXX points above minimum for program - Min XXX, actual XXX
Months Reserves exceed minimum required - Min XXX months, actual XXX months
DSCR % greater than XXX - Actual XXX		   XXX.pdf ATR/QM: Exempt ATR/QM: Exempt XXX XXX XXX XXX NA N/A N/A XXX
2025090427 XXX   D B C B D B A A Closed XXX XXX XXX Waived 2 - Non-Material C B Credit Income/Employment Income/Employment General Waived-Client provided an exception for XXX, waiver applied to non material finding with comp factors. - Due Diligence Vendor-XXX
Ready for Review-Document Uploaded. supporting docs - Buyer-XXX
Counter-Internet search, however we are missing the approved exception for the use of XXX. - Due Diligence Vendor-XXX
Ready for Review-Document Uploaded. XXX  - supports business active - Buyer-XXX
Open-XXX in existence since XXX per XXX pg. XXX.  XXX verified business and not allowed per guidelines, only by exception.  In addition to a XXX, a phone listing and address using an XXX third-party, ie, XXX search was missing from the loan file.  - Due Diligence Vendor-XXX		   Waived-Client provided an exception for XXX, waiver applied to non material finding with comp factors. - Due Diligence Vendor-XXX
 Months Reserves exceed minimum required - Min XXX months, actual XXX months
Qualifying FICO score is at least XXX points above minimum for program - Min XXX, actual XXX		 $XXX residual income
DTI <XXX%		 XXX.pdf
XXX.pdf
XXX.pdf
XXX.pdf		 ATR/QM: CDFI Lender Exempt ATR/QM: CDFI Lender Exempt XXX XXX XXX XXX NA Investor Post-Close No XXX
2025090427 XXX   D B C B D B A A Closed XXX XXX XXX Waived 2 - Non-Material D B Compliance Missing Doc Missing Required Affiliated Business Disclosure Waived-Received attestation of not affiliates, finding waived. Client waiver applied to non-material Findings - Due Diligence Vendor-XXX
Ready for Review-Document Uploaded. Affiliates XXX - Buyer-XXX
Open-Required Affiliated Business Disclosure Missing Missing Affiliated Business disclosure, unable to test fee tolerance properly. Additional Findings may apply upon receipt.
 - Due Diligence Vendor-XXX		   Waived-Received attestation of not affiliates, finding waived. Client waiver applied to non-material Findings - Due Diligence Vendor-XXX
 Months Reserves exceed minimum required - Min XXX months, actual XXX months
Qualifying FICO score is at least XXX points above minimum for program - Min XXX, actual XXX		   XXX.pdf ATR/QM: CDFI Lender Exempt ATR/QM: CDFI Lender Exempt XXX XXX XXX XXX NA Investor Post-Close No XXX
2025090427 XXX   D B C B D B A A Closed XXX XXX XXX Resolved 1 - Information C A Compliance TRID Charges That Cannot Increase Test Resolved-Upon further review, the document(s) are located in original file, nothing further required - Due Diligence Vendor-XXX
Open-This loan failed the charges that cannot increase test.  (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).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 §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). XXX (XXX%) tolerance fees increased by $XXX (Transfer Taxes) without a valid XXX in file. Provide a valid and timely XXX for increase OR evidence of refund to borrower or principal reduction in the amount of $XXX, post-close CD, XXX and evidence of delivery to borrower within XXX days of consummation date. Statute of Limitations XXX years- Expiration date is XXX.
 - Due Diligence Vendor-XXX		   Resolved-Upon further review, the document(s) are located in original file, nothing further required - Due Diligence Vendor-XXX
 Months Reserves exceed minimum required - Min XXX months, actual XXX months
Qualifying FICO score is at least XXX points above minimum for program - Min XXX, actual XXX		     ATR/QM: CDFI Lender Exempt ATR/QM: CDFI Lender Exempt XXX XXX XXX XXX NA N/A N/A XXX
2025090486 XXX   C B C B A A A A Closed XXX XXX XXX Waived 2 - Non-Material C B Credit Eligibility Short Term Rental Income does not meet guidelines Waived-Client exception granted and in file, waiver applied with comp factors. - Due Diligence Vendor-XXX
Open-Lender exception provided for short term rental.  Borrower does not have XXX month lookback for STR due to XXX. - Due Diligence Vendor-XXX		   Waived-Client exception granted and in file, waiver applied with comp factors. - Due Diligence Vendor-XXX
 Qualifying FICO score is at least XXX points above minimum for program - FICO: XXX Min XXX
Months Reserves exceed minimum required - Guidelines require XXX months of reserves.  Qualifying reserves are XXX months.
DSCR % greater than XXX - DSCR = XXX		 FICO XXX
DSCR XXX
Reserves XXX months
LTV XXX% 		   ATR/QM: Exempt ATR/QM: Exempt XXX XXX XXX XXX XXX Investor Post-Close No XXX
2025090481 XXX   C B C A C B A A Closed XXX XXX XXX Resolved 1 - Information C A Credit Closing Issues exist on the Mortgage Document (Deed of Trust) Resolved-Received notary date on XXX. - Due Diligence Vendor-XXX
Ready for Review-Document Uploaded. XXX with Notary Date - Seller-XXX
Counter-Mortgage w/notary provided, however the Attorney did not add the date of Notarization. Finding remains. - Due Diligence Vendor-XXX
Ready for Review-Document Uploaded. Deed of Trust w/ notary seal, date and legal - Seller-XXX
Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Notary date missing. - Due Diligence Vendor-XXX		 Ready for Review-Document Uploaded. DOT with Notary Date - Seller-XXX
 Ready for Review-Document Uploaded. Deed of XXX, date and legal - Seller-XXX
 Resolved-Received notary date on DOT. - Due Diligence Vendor-XXX
 Months Reserves exceed minimum required - XXX months reserves, XXX months required
Qualifying FICO score is at least XXX points above minimum for program - XXX Fico, XXX required		   XXX.pdf
XXX.pdf		 QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) XXX XXX XXX XXX NA N/A N/A XXX
2025090481 XXX   C B C A C B A A Closed XXX XXX XXX Resolved 1 - Information C A Credit Insurance Flood Insurance Effective Date is after the Note Date Resolved-Flood Insurance provided with an Effective Date of XXX - Due Diligence Vendor-XXX
Ready for Review-Document Uploaded. Exception docs for XXX Ins Date - Seller-XXX
Open-XXX Effective Date of XXX is after the Note Date of XXX Missing evidence of coverage at time of close XXX.   - Due Diligence Vendor-XXX		 Ready for Review-Document Uploaded. Exception docs for XXX Ins Date - Seller-XXX
 Resolved-Flood Insurance provided with an Effective Date of XXX - Due Diligence Vendor-XXX
 Months Reserves exceed minimum required - XXX months reserves, XXX months required
Qualifying FICO score is at least XXX points above minimum for program - XXX Fico, XXX required		   XXX.pdf
XXX.pdf		 QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) XXX XXX XXX XXX NA N/A N/A XXX
2025090481 XXX   C B C A C B A A Closed XXX XXX XXX Resolved 1 - Information C A Compliance TRID XXX: CD not delivered at least XXX days prior to consummation Resolved-Received CD XXX with evidence of receipt XXX. Finding resolved. - Due Diligence Vendor-XXX
Ready for Review-Document Uploaded. XXX and tracking - Buyer-XXX
Open-Missing CD delivered XXX days prior to consummation date.  Additional findings may apply upon receipt. - Due Diligence Vendor-XXX		   Resolved-Received CD XXX with evidence of receipt XXX. Finding resolved. - Due Diligence Vendor-XXX
 Months Reserves exceed minimum required - XXX months reserves, XXX months required
Qualifying FICO score is at least XXX points above minimum for program - XXX Fico, XXX required		   XXX.pdf
XXX.pdf		 QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) XXX XXX XXX XXX NA N/A N/A XXX
2025090481 XXX   C B C A C B A A Closed XXX XXX XXX Waived 2 - Non-Material B B Compliance Missing Doc Missing Required Affiliated Business Disclosure Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings. - Due Diligence Vendor-XXX   Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings. - Due Diligence Vendor-XXX
 Months Reserves exceed minimum required - XXX months reserves, XXX months required
Qualifying FICO score is at least XXX points above minimum for program - XXX Fico, XXX required		     QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) XXX XXX XXX XXX NA Originator Post-Close No XXX
2025090466 XXX   C B C B A A A A Closed XXX XXX XXX Waived 2 - Non-Material C B Credit Eligibility Audited Reserves are less than Guideline Required Reserves (Number of Months) Waived-Client provided a waiver for reserves, applied to non material finding (XXX months short) with comp factors. - Due Diligence Vendor-XXX
Ready for Review-Document Uploaded. Exception Request and Approval Uploaded
 - Buyer-XXX
Counter-The additional Deposit in the amount of $XXX was included in the review.  Finding Remains. - Due Diligence Vendor-XXX
Ready for Review-Document Uploaded. Additional $XXX.
 - Buyer-XXX
Open-Audited Reserves of XXX month(s) are less than Guideline Required Reserves of XXX month(s) Required assets/reserves of XXX; assets post close of XXX; shortage of -XXX. - Due Diligence Vendor-XXX		   Waived-Client provided a waiver for reserves, applied to non material finding (XXX months short) with comp factors. - Due Diligence Vendor-XXX
 LTV is less than guideline maximum - XXX% LTV; max XXX% LTV.
Long term residence - Borrowers have resided at current home >XXX years.		   XXX.pdf
XXX.pdf
XXX.pdf		 ATR/QM: Exempt ATR/QM: Exempt XXX XXX XXX XXX NA Investor Post-Close No XXX
2025090480 XXX   B B B B A A A A Closed XXX XXX XXX Waived 2 - Non-Material B B Credit Eligibility Housing History Does Not Meet Guideline Requirements Waived-Client granted an exception, waiver applied with comp factors. - Due Diligence Vendor-XXX
Open-Housing History Does Not Meet Guideline Requirements EXCEPTION: Approved for -XXX Months Housing; lives rent free with XXX, purchased property XXX.  - Due Diligence Vendor-XXX		   Waived-Client granted an exception, waiver applied with comp factors. - Due Diligence Vendor-XXX
 Qualifying FICO score is at least XXX points above minimum for program - FICO: XXX Min XXX
Months Reserves exceed minimum required - Reserves: XXX Min XXX
LTV is less than guideline maximum - LTV: XXX% Max XXX		 Credit Profile: no no late on credit, oldest tradeline XXX
Excellent payment history on credit, excess reserves
   ATR/QM: Exempt ATR/QM: Exempt XXX XXX XXX XXX XXX Investor Post-Close No XXX
2025090477 XXX   D B D B A A A A Closed XXX XXX XXX Waived 2 - Non-Material C B Credit Eligibility Audited Reserves are less than Guideline Required Reserves (Number of Months) Waived-Client exception granted in file, waiver applied with comp factors.  - Due Diligence Vendor-XXX
Open-Audited Reserves of XXX month(s) are less than Guideline Required Reserves of XXX month(s) Lender Exception in file for XXX  permitted with XXX months reserves, verified XXX month housing payment history and max XXX% LTV. Borrower does not meet reserves requirement for XXX  with only XXX months of reserves. - Due Diligence Vendor-XXX		   Waived-Client exception granted in file, waiver applied with comp factors.  - Due Diligence Vendor-XXX
 Qualifying FICO score is at least XXX points above minimum for program - Minimum FICO is XXX; qualifying FICO is XXX.
LTV is less than guideline maximum - Max LTV is XXX%; qualifying LTV is XXX%.		 Qualifying FICO: XXX
Qualifying DSCR: XXX
Qualifying LTV: XXX		   ATR/QM: Exempt ATR/QM: Exempt XXX XXX XXX XXX NA Investor Post-Close No XXX
2025090477 XXX   D B D B A A A A Closed XXX XXX XXX Waived 2 - Non-Material C B Credit Eligibility Loan does not conform to program guidelines Waived-Client exception granted in file, waiver applied with comp factors.  - Due Diligence Vendor-XXX
Open-Lender exception in file for leases required to be no less than XXX months, but may convert to month to month upon expiration. Lender used 1007 market rents, leases not provided. - Due Diligence Vendor-XXX		   Waived-Client exception granted in file, waiver applied with comp factors.  - Due Diligence Vendor-XXX
 Qualifying FICO score is at least XXX points above minimum for program - Minimum FICO is XXX; qualifying FICO is XXX.
LTV is less than guideline maximum - Max LTV is XXX%; qualifying LTV is XXX%.		 Qualifying FICO: XXX
Qualifying DSCR: XXX
Qualifying LTV: XXX		   ATR/QM: Exempt ATR/QM: Exempt XXX XXX XXX XXX NA Investor Post-Close No XXX
2025090477 XXX   D B D B A A A A Closed XXX XXX XXX Resolved 1 - Information D A Credit Missing Doc Purchase Contract is Missing Resolved-Received Purchase Contrast. - Due Diligence Vendor-XXX
Ready for Review-Document Uploaded. Purchase contract uploaded
 - Buyer-XXX
Open-Loan Purpose is Purchase but Purchase Contract is Missing. Purchase Contract missing. - Due Diligence Vendor-XXX		   Resolved-Received Purchase Contrast. - Due Diligence Vendor-XXX
 Qualifying FICO score is at least XXX points above minimum for program - Minimum FICO is XXX; qualifying FICO is XXX.
LTV is less than guideline maximum - Max LTV is XXX%; qualifying LTV is XXX%.		   XXX.pdf ATR/QM: Exempt ATR/QM: Exempt XXX XXX XXX XXX NA N/A N/A XXX
2025090477 XXX   D B D B A A A A Closed XXX XXX XXX Resolved 1 - Information D A Credit Missing Doc Borrower 1 Personal Bank Statements Missing Resolved-Received XXX. - Due Diligence Vendor-XXX
Ready for Review-Document Uploaded. XXX print out uploaded
 - Buyer-XXX
Open-Missing full asset statement for asset XXX with XXX as all that was provided was a deposit book page, which does not confirm ownership or full account information. - Due Diligence Vendor-XXX		   Resolved-Received account history. - Due Diligence Vendor-XXX
 Qualifying FICO score is at least XXX points above minimum for program - Minimum FICO is XXX; qualifying FICO is XXX.
LTV is less than guideline maximum - Max LTV is XXX%; qualifying LTV is XXX%.		   XXX.pdf ATR/QM: Exempt ATR/QM: Exempt XXX XXX XXX XXX NA N/A N/A XXX
2025090468 XXX   A A A A A A A A             A A                   ATR/QM: Exempt ATR/QM: Exempt XXX XXX XXX XXX XXX      
2025090469 XXX   C A C A A A A A Closed XXX XXX XXX Resolved 1 - Information C A Credit Closing Issues exist on the Mortgage Document (Deed of Trust) Resolved-Received exhibit A -legal attachment to XXX. - Due Diligence Vendor-XXX
Ready for Review-Document Uploaded. Supporting docs - Buyer-XXX
Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. -----Legal Description page is missing in file. - Due Diligence Vendor-XXX		   Resolved-Received exhibit A -legal attachment to DOT. - Due Diligence Vendor-XXX
 On time mortgage history exceeds guideline requirement - On time mortgage history exceeds guideline requirement on the Subject Property more than XXX.
Months Reserves exceed minimum required - XXX months reserves; XXX month reserves required		   XXX.pdf ATR/QM: Exempt ATR/QM: Exempt XXX XXX XXX XXX XXX N/A N/A XXX
2025090424 XXX   D A D A A A A A Closed XXX XXX XXX Resolved 1 - Information D A Credit Missing Doc DSCR Calculation Missing Resolved-Received DSCR calculation. - Due Diligence Vendor-XXX
Ready for Review-Document Uploaded. supporting docs - Seller-XXX
Counter-1007 reflects rents $XXX for subject, XXX of rents of $XXX-lease provided differs from those figures.  Provide DSCR calculation meeting XXX of guidelines. - Due Diligence Vendor-XXX
Ready for Review-Document Uploaded. supporting docs - Seller-XXX
Ready for Review-Document Uploaded. supporting docs - Seller-XXX
Counter-DSCR calculation does not mirror documentation received-lease amount differs.   - Due Diligence Vendor-XXX
Ready for Review-Document Uploaded. dscr calc - Buyer-XXX
Open-The DSCR Calculation from lender is Missing. Missing DSCR Calc  - Due Diligence Vendor-XXX		 Ready for Review-Document Uploaded. supporting docs - Seller-XXX
 Ready for Review-Document Uploaded. supporting docs - Seller-XXX
 Ready for Review-Document Uploaded. supporting docs - Seller-XXX
 Resolved-Received DSCR calculation. - Due Diligence Vendor-XXX
 Months Reserves exceed minimum required - XXX mths reserves; XXX mths required.
Qualifying FICO score is at least XXX points above minimum for program - Qualifying credit score XXX; minimum required XXX.		   XXX.pdf
XXX.pdf
XXX.pdf
XXX.pdf
XXX.pdf		 ATR/QM: Exempt ATR/QM: Exempt XXX XXX XXX XXX XXX N/A N/A XXX
2025090424 XXX   D A D A A A A A Closed XXX XXX XXX Resolved 1 - Information D A Credit Missing Doc The Deed of Trust is Missing Resolved-Received Security Instrument. - Due Diligence Vendor-XXX
Ready for Review-Document Uploaded. dot - Seller-XXX
Open-The Deed of Trust is Missing DOT Missing  - Due Diligence Vendor-XXX		 Ready for Review-Document Uploaded. dot - Seller-XXX
 Resolved-Received Security Instrument. - Due Diligence Vendor-XXX
 Months Reserves exceed minimum required - XXX mths reserves; XXX mths required.
Qualifying FICO score is at least XXX points above minimum for program - Qualifying credit score XXX; minimum required XXX.		   XXX.pdf ATR/QM: Exempt ATR/QM: Exempt XXX XXX XXX XXX XXX N/A N/A XXX
2025090424 XXX   D A D A A A A A Closed XXX XXX XXX Resolved 1 - Information D A Credit Missing Doc Required forms/disclosures missing Resolved-Received XXX - Due Diligence Vendor-XXX
Ready for Review-Document Uploaded. XXX - Buyer-XXX
Open-Missing initial XXX disclosure - Due Diligence Vendor-XXX		   Resolved-Received XXX - Due Diligence Vendor-XXX
 Months Reserves exceed minimum required - XXX mths reserves; XXX mths required.
Qualifying FICO score is at least XXX points above minimum for program - Qualifying credit score XXX; minimum required XXX.		   XXX.pdf ATR/QM: Exempt ATR/QM: Exempt XXX XXX XXX XXX XXX N/A N/A XXX
2025090483 XXX   C A C A A A A A Closed XXX XXX XXX Resolved 1 - Information C A Credit Closing Issues exist on the Mortgage Document (Deed of Trust) Resolved-Received Legal. - Due Diligence Vendor-XXX
Ready for Review-Document Uploaded. Legal Description
 - Buyer-XXX
Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. -----Missing Legal Description - Due Diligence Vendor-XXX		   Resolved-Received Legal. - Due Diligence Vendor-XXX
 LTV is less than guideline maximum - LTV: XXX% Max XXX%
Months Reserves exceed minimum required - Reserves:  XXX Min XXX
Qualifying FICO score is at least XXX points above minimum for program - FICO: XXX Min XXX		   XXX.pdf ATR/QM: Exempt ATR/QM: Exempt XXX XXX XXX XXX NA N/A N/A XXX
2025090475 XXX   C A C A A A A A Closed XXX XXX XXX Resolved 1 - Information C A Credit Title Title Coverage is Less than Subject Lien(s) Total Resolved-Received XXX w/sufficient coverage. - Due Diligence Vendor-XXX
Ready for Review-Document Uploaded. Revised XXX
 - Buyer-XXX
Open-Insufficient Title Coverage. Amount of coverage is less than Total Amount of Subject Lien(s). No insured amount reflected on policy provided - Due Diligence Vendor-XXX		   Resolved-Received XXX coverage. - Due Diligence Vendor-XXX
 LTV is less than guideline maximum - LTV: XXX% Max XXX%
Months Reserves exceed minimum required - Reserves:  XXX Min XXX
Qualifying FICO score is at least XXX points above minimum for program - FICO: XXX Min XXX		   XXX.pdf ATR/QM: Exempt ATR/QM: Exempt XXX XXX XXX XXX XXX N/A N/A XXX
2025090467 XXX   D B D B A A A A Closed XXX XXX XXX Waived 2 - Non-Material B B Credit Eligibility Loan does not conform to program guidelines Waived-Approved Lender Exception in file for transferred appraisal not ordered through XXX.
Client Waiver applied with comp factors.   
Deemed non-material. - Due Diligence Vendor-XXX
Open-Approved Lender Exception in file for transferred appraisal not ordered through XXX. - Due Diligence Vendor-XXX		   Waived-Approved Lender Exception in file for transferred appraisal not ordered through XXX.
Client Waiver applied with comp factors.   
Deemed non-material. - Due Diligence Vendor-XXX
 Months Reserves exceed minimum required - Months reserves required is XXX; qualifying reserves is XXX months.
Qualifying FICO score is at least XXX points above minimum for program - Minimum FICO is XXX; qualifying FICO is XXX.		 Qualifying FICO: XXX
Qualifying DSCR XXX
Qualifying reserves XXX		   ATR/QM: Exempt ATR/QM: Exempt XXX XXX XXX XXX XXX Investor Post-Close No XXX
2025090467 XXX   D B D B A A A A Closed XXX XXX XXX Resolved 1 - Information C A Credit Closing Prepayment Penalty Issue Resolved-Upon further review, the loan file contained all required prepayment documentation. - Due Diligence Vendor-XXX
Ready for Review-Document Uploaded. XXX - Buyer-XXX
Open-XXX missing from Deed of Trust. - Due Diligence Vendor-XXX		   Resolved-Upon further review, the loan file contained all required prepayment documentation. - Due Diligence Vendor-XXX
 Months Reserves exceed minimum required - Months reserves required is XXX; qualifying reserves is XXX months.
Qualifying FICO score is at least XXX points above minimum for program - Minimum FICO is XXX; qualifying FICO is XXX.		   XXX.pdf ATR/QM: Exempt ATR/QM: Exempt XXX XXX XXX XXX XXX N/A N/A XXX
2025090467 XXX   D B D B A A A A Closed XXX XXX XXX Resolved 1 - Information D A Credit Missing Doc Approval/Underwriting Summary Not Provided (XXX) Resolved-Received 1008 - Due Diligence Vendor-XXX
Ready for Review-Document Uploaded. Transmittal Summary (1008) - Buyer-XXX
Open-Missing Approval/Underwriting Summary 1008 missing from file. - Due Diligence Vendor-XXX		   Resolved-Received 1008 - Due Diligence Vendor-XXX
 Months Reserves exceed minimum required - Months reserves required is XXX; qualifying reserves is XXX months.
Qualifying FICO score is at least XXX points above minimum for program - Minimum FICO is XXX; qualifying FICO is XXX.		   XXX.pdf ATR/QM: Exempt ATR/QM: Exempt XXX XXX XXX XXX XXX N/A N/A XXX
2025090465 XXX   C B C B A A A A Closed XXX XXX XXX Waived 2 - Non-Material B B Credit Eligibility Loan does not conform to program guidelines Waived-Approved lender exception for giving borrower more than max of $XXX cash out on FICO < XXX.
Client Waiver applied with comp factors.   
Deemed non-material. - Due Diligence Vendor-XXX
Open-Approved lender exception for giving borrower more than max of $XXX cash out on FICO < XXX. - Due Diligence Vendor-XXX		   Waived-Approved lender exception for giving borrower more than max of $XXX cash out on FICO < XXX.
Client Waiver applied with comp factors.   
Deemed non-material. - Due Diligence Vendor-XXX
 LTV is less than guideline maximum - Max LTV is XXX%; qualifying LTV is XXX%.
Months Reserves exceed minimum required - Months reserves required is XXX; qualifying reserves is XXX months.		 Qualifying FICO: XXX
Qualifying DSCR: XXX
Qualifying LTV: XXX		   ATR/QM: Exempt ATR/QM: Exempt XXX XXX XXX XXX XXX Investor Post-Close No XXX
2025090465 XXX   C B C B A A A A Closed XXX XXX XXX Resolved 1 - Information C A Credit Title Title Coverage is Less than Subject Lien(s) Total Resolved-Received revised commitment w/sufficient coverage. - Due Diligence Vendor-XXX
Ready for Review-Document Uploaded.
Prelim = $XXX loan amount. - Buyer-XXX
Open-Insufficient Title Coverage. Amount of coverage is less than Total Amount of Subject Lien(s). XXX is for $XXX. - Due Diligence Vendor-XXX		   Resolved-Received revised commitment w/sufficient coverage. - Due Diligence Vendor-XXX
 LTV is less than guideline maximum - Max LTV is XXX%; qualifying LTV is XXX%.
Months Reserves exceed minimum required - Months reserves required is XXX; qualifying reserves is XXX months.		   XXX.pdf ATR/QM: Exempt ATR/QM: Exempt XXX XXX XXX XXX XXX N/A N/A XXX
2025090471 XXX   D A D A A A A A Closed XXX XXX XXX Resolved 1 - Information D A Credit Missing Doc Missing verification of taxes, insurance, and/or HOA fees for non-subject property Resolved-Received Insurance verification. - Due Diligence Vendor-XXX
Ready for Review-Document Uploaded. XXX XXX on 1003: XXX-Mtg Statement includes XXX, attached XXX ending XXX = XXX per mo.
 - Buyer-XXX
Open-XXX XXX hazard insurance not provided. - Due Diligence Vendor-XXX		   Resolved-Received Insurance verification. - Due Diligence Vendor-XXX
 Months Reserves exceed minimum required - XXX months PITIA reserves; XXX months reserves required.
Qualifying FICO score is at least XXX points above minimum for program - Qualifying credit score XXX; minimum required XXX.		   XXX.pdf ATR/QM: Exempt ATR/QM: Exempt XXX XXX XXX XXX NA N/A N/A XXX
2025090471 XXX   D A D A A A A A Closed XXX XXX XXX Resolved 1 - Information C A Credit Borrower Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete Resolved-Received Credit Supplement. - Due Diligence Vendor-XXX
Ready for Review-Document Uploaded. Credit supplement with Mortgage histories to XXX
 - Buyer-XXX
Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete. XXX account ending in  # XXX:  mortgage payment for XXX not provided. - Due Diligence Vendor-XXX		   Resolved-Received Credit Supplement. - Due Diligence Vendor-XXX
 Months Reserves exceed minimum required - XXX months PITIA reserves; XXX months reserves required.
Qualifying FICO score is at least XXX points above minimum for program - Qualifying credit score XXX; minimum required XXX.		   XXX.pdf ATR/QM: Exempt ATR/QM: Exempt XXX XXX XXX XXX NA N/A N/A XXX
2025090422 XXX   D A D A C A C A Closed XXX XXX XXX Resolved 1 - Information D A Credit Missing Doc Third Party Fraud Report not Provided Resolved-Received Fraud Report. - Due Diligence Vendor-XXX
Ready for Review-Document Uploaded. supporting docs - Seller-XXX
Open-Missing Third Party Fraud Report Not in loan file - Due Diligence Vendor-XXX		 Ready for Review-Document Uploaded. supporting docs - Seller-XXX
 Resolved-Received Fraud Report. - Due Diligence Vendor-XXX
 Months Reserves exceed minimum required - Min XXX months, actual XXX months
On time mortgage history exceeds guideline requirement - Min XXX months required with XXX, actual XXX months XXX
Qualifying DTI below maximum allowed - Max XXX%, actual XXX%		   XXX.pdf QM: Higher Priced APOR (APOR HP) QM: Higher Priced APOR (APOR HP) XXX XXX XXX XXX NA N/A N/A XXX
2025090422 XXX   D A D A C A C A Closed XXX XXX XXX Resolved 1 - Information C A Compliance TRID Charges That Cannot Increase Test Resolved-Received XXX for Loan Amount Points fee increase. Remaining tolerance violation of $XXX is resolved with the lender credit of $XXX on final CD.  - Due Diligence Vendor-XXX
Ready for Review-Document Uploaded. CD XXX for Redisclosed CD sent on XXX.   The Appraisal Re-Inspection fee was cured at docs.
 - Buyer-XXX
Open-This loan failed the charges that cannot increase test.  (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).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 §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). XXX (XXX%) tolerance fees increased by $XXX (Points - Loan Discount Fee, Appraisal Re-Inspection Fee) without a valid XXX in file. Provide a valid and timely XXX for increase OR evidence of refund to borrower or principal reduction in the amount of $XXX, post-close CD, XXX and evidence of delivery to borrower within XXX days of consummation date. Statute of Limitations XXX years- Expiration date is XXX.
 - Due Diligence Vendor-XXX		   Resolved-Received XXX for Loan Amount Points fee increase. Remaining tolerance violation of $XXX is resolved with the lender credit of $XXX on final CD.  - Due Diligence Vendor-XXX
 Months Reserves exceed minimum required - Min XXX months, actual XXX months
On time mortgage history exceeds guideline requirement - Min XXX months required with XXX, actual XXX months XXX
Qualifying DTI below maximum allowed - Max XXX%, actual XXX%		   XXX.pdf QM: Higher Priced APOR (APOR HP) QM: Higher Priced APOR (APOR HP) XXX XXX XXX XXX NA N/A N/A XXX
2025090422 XXX   D A D A C A C A Closed XXX XXX XXX Resolved 1 - Information C A Property Appraisal Unsupported adjustments or comps Resolved-Received appraiser commentary. - Due Diligence Vendor-XXX
Ready for Review-Document Uploaded. Supporting docs - Buyer-XXX
Open-XXX of the XXX closed comparables have gross adjustments over XXX%.  The appraisal does contain a comp XXX which is a listing and does not exceed XXX% gross adjustments. - Due Diligence Vendor-XXX		   Resolved-Received appraiser commentary. - Due Diligence Vendor-XXX
 Months Reserves exceed minimum required - Min XXX months, actual XXX months
On time mortgage history exceeds guideline requirement - Min XXX months required with XXX, actual XXX months XXX
Qualifying DTI below maximum allowed - Max XXX%, actual XXX%		   XXX.pdf QM: Higher Priced APOR (APOR HP) QM: Higher Priced APOR (APOR HP) XXX XXX XXX XXX NA N/A N/A XXX
2025090422 XXX   D A D A C A C A Closed XXX XXX XXX Resolved 1 - Information C A Credit Eligibility Housing History Does Not Meet Guideline Requirements Resolved-Upon further review the Borrower and co-borrower live together and the co-borrower has a housing history, which meets the guidelines. - Due Diligence Vendor-XXX
Open-Housing History Does Not Meet Guideline Requirements Borrowers living rent-free with any person other than a XXX are not eligible and may only be considered on an exception basis.  Borrower lives with co-borrower who are not related and/or married. pg. XXX.  No exception found in loan file - Due Diligence Vendor-XXX		   Resolved-Upon further review the Borrower and co-borrower live together and the co-borrower has a housing history, which meets the guidelines. - Due Diligence Vendor-XXX
 Months Reserves exceed minimum required - Min XXX months, actual XXX months
On time mortgage history exceeds guideline requirement - Min XXX months required with XXX, actual XXX months XXX
Qualifying DTI below maximum allowed - Max XXX%, actual XXX%		     QM: Higher Priced APOR (APOR HP) QM: Higher Priced APOR (APOR HP) XXX XXX XXX XXX NA N/A N/A XXX
2025090473 XXX   D A D A A A A A Closed XXX XXX XXX Resolved 1 - Information D A Credit Missing Doc XXX is Missing Resolved-Received Mortgage w/XXX. - Due Diligence Vendor-XXX
Ready for Review-Document Uploaded. Mortgage and XXX - Buyer-XXX
Open-XXX is Missing XXX missing. per appraisal XXX.  - Due Diligence Vendor-XXX		   Resolved-Received Mortgage w/XXX. - Due Diligence Vendor-XXX
 Qualifying FICO score is at least XXX points above minimum for program - XXX FICO, XXX Required
Months Reserves exceed minimum required - XXX months reserves, XXX months required		   XXX.pdf
XXX.pdf		 QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) XXX XXX XXX XXX XXX N/A N/A XXX
2025090463 XXX   A A A A A A A A             A A                   ATR/QM: Exempt ATR/QM: Exempt XXX XXX XXX XXX XXX      
2025090375   XXX D B D B C B A A Closed XXX XXX XXX Waived 2 - Non-Material C B Credit Income/Employment Income documentation does not meet guidelines Waived--Originator request to grant exception for use of XXX accounts XXX held accounts with XXX and use of XXX% of XXX account that borrower is XXX% owner of. Waiver applied to non-material findings with compensating factors. - Due Diligence Vendor-XXX
Open-Assets statements provided for income do not meet guideline requirements. XXX ending in XXX is a XXX account and XXX XXX ending in XXX and XXX account ending in XXX are XXX accounts. Provide exception approval to use XXX asset accounts and XXX% of business asset account for income qualification purposes. - Due Diligence Vendor-XXX		   Waived--Originator request to grant exception for use of XXX accounts jointly held accounts with spouse and use of XXX% of XXX account that borrower is XXX% owner of. Waiver applied to non-material findings with compensating factors. - Due Diligence Vendor-XXX
 LTV is less than guideline maximum - XXX% LTV is less than XXX% maximum.
Months Reserves exceed minimum required - XXX mos reserves; XXX mos required
Verified employment history exceeds guidelines - -Borrower has been self-employed for XXX years.		     QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) XXX XXX XXX XXX XXX Originator Post-Close No XXX
2025090375   XXX D B D B C B A A Closed XXX XXX XXX Resolved 1 - Information C A Credit Title Property Title Issue Resolved-Received Certificate of Conversion. - Due Diligence Vendor-XXX
Ready for Review-Document Uploaded. XXX has been converted from a XXX to a XXX. Please see attached Certificate of Conversion. - Seller-XXX
Counter-Revised commitment provided, however Item XXX now reflects a XXX when it is a XXX. - Due Diligence Vendor-XXX
Ready for Review-Document Uploaded. Please see attached - Seller-XXX
Open-Property Title Issue 1.  Page XXX of title commitment notes title is XXX in borrower (XXX) but Item XXX. (XXX) requires a quit claim deed from a XXX  to the borrower.  File includes  a copy of a XXX deed signed by borrower on XXX and notarized XXX (XXX).  
2.  Missing evidence that Item #XXX of title commitment was cleared that required the XXX for a XXX; however, the XXX noted is actually a XXX. - Due Diligence Vendor-XXX		 Ready for Review-Document Uploaded. XXX has been converted from a XXX to a XXX LLC. Please see attached Certificate of Conversion. - Seller-XXX
 Ready for Review-Document Uploaded. Please see attached - Seller-XXX
 Resolved-Received Certificate of Conversion. - Due Diligence Vendor-XXX
 LTV is less than guideline maximum - XXX% LTV is less than XXX% maximum.
Months Reserves exceed minimum required - XXX mos reserves; XXX mos required
Verified employment history exceeds guidelines - -Borrower has been self-employed for XXX years.		   XXX.pdf
XXX.pdf
XXX.pdf
XXX.pdf
XXX.pdf		 QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) XXX XXX XXX XXX XXX N/A N/A XXX
2025090375   XXX D B D B C B A A Closed XXX XXX XXX Resolved 1 - Information C A Credit Title Vested Owner Signature Requirement Not met Resolved-Received Certificate of Conversion. - Due Diligence Vendor-XXX
Ready for Review-Document Uploaded. XXX has been converted from a XXX to a XXX. Please see attached Certificate of Conversion. - Seller-XXX
Counter-Revised commitment and new Quitclaim Deed provided, however Item XXX and deed now reflects a XXX  when it is a XXX . - Due Diligence Vendor-XXX
Ready for Review-Document Uploaded. Please see attached. - Seller-XXX
Open-XXX  Requirement Not met.  Missing XXX for XXX, a XXX  to determine borrower's ownership percentage.  the XXX  purchased subject on XXX per property report in file (XXX), and title was transferred to borrower via Quitclaim deed signed by borrower on XXX and notarized XXX  (XXX).  CPA letter (XXX) in file notes that Borrower has XXX% ownership of LLC with same name (except not a XXX) which has been in operation for a period of XXX years as of date of letter of XXX.  Documents provided with the CPA letter note the non XXX  was formed in  XXX XXX (XXX) and is authorized to do business in XXX as XXX (XXX).  Audit is unable to determine if the XXX  is one and the same as the one noted in XXX letter and in XXX and XXX documents.  Additional findings may apply.  Loan must meet seasoning requirements. - Due Diligence Vendor-XXX		 Ready for Review-Document Uploaded. XXX has been converted from a XXX LLC to a XXX LLC. Please see attached Certificate of Conversion. - Seller-XXX
 Ready for Review-Document Uploaded. Please see attached. - Seller-XXX
 Resolved-Received Certificate of Conversion. - Due Diligence Vendor-XXX
 LTV is less than guideline maximum - XXX% LTV is less than XXX% maximum.
Months Reserves exceed minimum required - XXX mos reserves; XXX mos required
Verified employment history exceeds guidelines - -Borrower has been self-employed for XXX years.		   XXX.pdf
XXX.pdf
XXX.pdf
XXX.pdf
XXX.pdf
XXX.pdf		 QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) XXX XXX XXX XXX XXX N/A N/A XXX
2025090375   XXX D B D B C B A A Closed XXX XXX XXX Resolved 1 - Information D A Credit Missing Doc File does not contain all required Asset Statement(s) Resolved-Received XXX amount within XXX days and XXX statement. - Due Diligence Vendor-XXX
Ready for Review-Document Uploaded. Please see attached. Also attaching documentation to show additional XXX months of reserves XXX requested. - Seller-XXX
Open-1.  Guidelines required balances of qualifying assets must be verified within XXX days of Note Date.  Cash surrender value for XXX used as of XXX which is not within XXX days of note date.
2.  Guidelines require the most recent XXX months of account statements for XXX Assets.  For account ending  with #XXX, account was opened XXX from other account for which the required statements were provided.  However, for this account, missing XXX statement to complete the XXX month requirement. - Due Diligence Vendor-XXX		 Ready for Review-Document Uploaded. Please see attached. Also attaching documentation to show additional XXX months of reserves XXX requested. - Seller-XXX
 Resolved-Received Life surrender amount within XXX days and XXX statement. - Due Diligence Vendor-XXX
 LTV is less than guideline maximum - XXX% LTV is less than XXX% maximum.
Months Reserves exceed minimum required - XXX mos reserves; XXX mos required
Verified employment history exceeds guidelines - -Borrower has been self-employed for XXX years.		   XXX.pdf
XXX.pdf
XXX.pdf
XXX.pdf
XXX.pdf
XXX.pdf
XXX.pdf
XXX.pdf		 QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) XXX XXX XXX XXX XXX N/A N/A XXX
2025090375   XXX D B D B C B A A Closed XXX XXX XXX Resolved 1 - Information D A Credit Missing Doc Citizenship Documentation Not Provided Resolved-Received the back of the XXX. - Due Diligence Vendor-XXX
Ready for Review-Document Uploaded. See attached - Seller-XXX
Open-Borrower Citizenship Documentation Is Missing Missing copy of the back of the XXX.  File includes a cop of the front only. - Due Diligence Vendor-XXX		 Ready for Review-Document Uploaded. See attached - Seller-XXX
 Resolved-Received the back of the XXX Card. - Due Diligence Vendor-XXX
 LTV is less than guideline maximum - XXX% LTV is less than XXX% maximum.
Months Reserves exceed minimum required - XXX mos reserves; XXX mos required
Verified employment history exceeds guidelines - -Borrower has been self-employed for XXX years.		   XXX.pdf QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) XXX XXX XXX XXX XXX N/A N/A XXX
2025090375   XXX D B D B C B A A Closed XXX XXX XXX Resolved 1 - Information D A Credit Missing Doc Borrower 1 XXX Credit Report is Missing Resolved-Upon further review, no ratio loan. XXX Report not required. - Due Diligence Vendor-XXX
Ready for Review-This investor does not require XXX credit report - Seller-XXX
Open-Borrower 1 XXX Credit Report is Missing Additional findings may apply. - Due Diligence Vendor-XXX		 Ready for Review-This investor does not require gap credit report - Seller-XXX
 Resolved-Upon further review, no ratio loan. XXX Report not required. - Due Diligence Vendor-XXX
 LTV is less than guideline maximum - XXX% LTV is less than XXX% maximum.
Months Reserves exceed minimum required - XXX mos reserves; XXX mos required
Verified employment history exceeds guidelines - -Borrower has been self-employed for XXX years.		     QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) XXX XXX XXX XXX XXX N/A N/A XXX
2025090375   XXX D B D B C B A A Closed XXX XXX XXX Resolved 1 - Information C A Compliance TRID Charges That Cannot Increase Test Resolved-Received the XXX for fee addition. - Due Diligence Vendor-XXX
Ready for Review-Document Uploaded. See XXX - Seller-XXX
Open-This loan failed the charges that cannot increase test.  (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).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 §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). -----XXX (XXX%) tolerance fees increased by $XXX (XXX) without a valid XXX in file. Provide a valid and timely XXX for increase OR evidence of refund to borrower or principal reduction in the amount of $XXX, post-close CD, XXX and evidence of delivery to borrower within XXX days of consummation date. Statute of Limitations XXX year- Expiration date is XXX.
 - Due Diligence Vendor-XXX		 Ready for Review-Document Uploaded. See XXX - Seller-XXX
 Resolved-Received the COC for fee addition. - Due Diligence Vendor-XXX
 LTV is less than guideline maximum - XXX% LTV is less than XXX% maximum.
Months Reserves exceed minimum required - XXX mos reserves; XXX mos required
Verified employment history exceeds guidelines - -Borrower has been self-employed for XXX years.		   XXX.pdf QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) XXX XXX XXX XXX XXX N/A N/A XXX
2025090375   XXX D B D B C B A A Closed XXX XXX XXX Waived 2 - Non-Material C B Credit Eligibility Tradelines do not meet Guideline Requirements Waived-Originator provided a waiver for alternative credit/tradeline requirement, applied to non material finding with reviewed comp factors - XXX% LTV < XXX% maximum allowed. XXX months reserves > XXX months minimum required. - Due Diligence Vendor-XXX
Ready for Review-Document Uploaded.  - Seller-XXX
Open-The Tradelines for the borrower(s) do not meet the guideline requirements. Borrower has XXX reporting credit scores and does not meet the requirements for < than XXX scores of XXX tradelines reporting >/= XXX or XXX tradelines reporting >= XXX months.  Borrower has one tradeline reporting for XXX months. - Due Diligence Vendor-XXX		 Ready for Review-Document Uploaded.  - Seller-XXX
 Waived-Originator provided a waiver for alternative credit/tradeline requirement, applied to non material finding with reviewed comp factors - XXX% LTV < XXX% maximum allowed. XXX months reserves > XXX months minimum required. - Due Diligence Vendor-XXX
 LTV is less than guideline maximum - XXX% LTV is less than XXX% maximum.
Months Reserves exceed minimum required - XXX mos reserves; XXX mos required
Verified employment history exceeds guidelines - -Borrower has been self-employed for XXX years.		   XXX.pdf
XXX.pdf		 QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) XXX XXX XXX XXX XXX Originator Post-Close No XXX
2025090375   XXX D B D B C B A A Closed XXX XXX XXX Waived 2 - Non-Material B B Compliance Missing Doc Missing Required Affiliated Business Disclosure Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings. - Due Diligence Vendor-XXX   Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings. - Due Diligence Vendor-XXX
 LTV is less than guideline maximum - XXX% LTV is less than XXX% maximum.
Months Reserves exceed minimum required - XXX mos reserves; XXX mos required
Verified employment history exceeds guidelines - -Borrower has been self-employed for XXX years.		     QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) XXX XXX XXX XXX XXX Originator Post-Close No XXX
2025090464 XXX   A A A A A A A A             A A                   ATR/QM: Exempt ATR/QM: Exempt XXX XXX XXX XXX XXX      
2025090458 XXX   A A A A A A A A             A A                   ATR/QM: Exempt ATR/QM: Exempt XXX XXX XXX XXX XXX      
2025090420 XXX   C A A A C A A A Closed XXX XXX XXX Resolved 1 - Information C A Compliance TRID XXX: CD not delivered at least XXX days prior to consummation Resolved-Received CD XXX, receipt date XXX.  Finding resolved. - Due Diligence Vendor-XXX
Ready for Review-Document Uploaded. XXX - Buyer-XXX
Open-Missing initial CD acknowledged by borrower a minimum of XXX days prior to consummation - Due Diligence Vendor-XXX		   Resolved-Received CD XXX, receipt date XXX.  Finding resolved. - Due Diligence Vendor-XXX
 Months Reserves exceed minimum required - XXX months reserves documented, XXX months required
Qualifying FICO score is at least XXX points above minimum for program - XXX FICOI, XXX required		   XXX.pdf QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) XXX XXX XXX XXX NA N/A N/A XXX
2025090460 XXX   A A A A A A A A             A A                   ATR/QM: Exempt ATR/QM: Exempt XXX XXX XXX XXX XXX      
2025090453 XXX   C A C A A A A A Closed XXX XXX XXX Resolved 1 - Information C A Credit Closing Issues exist on the Mortgage Document (Deed of Trust) Resolved-Received Legal Description. - Due Diligence Vendor-XXX
Ready for Review-Document Uploaded. Exhibit A recorded with Deed of Trust - Buyer-XXX
Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. missing legal - Due Diligence Vendor-XXX		   Resolved-Received Legal Description. - Due Diligence Vendor-XXX
 LTV is less than guideline maximum - Max LTV is XXX%; qualifying LTV is XXX%.
Months Reserves exceed minimum required - Months reserves required is XXX; qualifying reserves is XXX months.		   XXX.pdf ATR/QM: Exempt ATR/QM: Exempt XXX XXX XXX XXX XXX N/A N/A XXX
2025090419 XXX   D B D A B B A A Closed XXX XXX XXX Resolved 1 - Information D A Credit Missing Doc Approval/Underwriting Summary Not Provided (XXX) Resolved-Received 1008 - Due Diligence Vendor-XXX
Ready for Review-Document Uploaded. supporting docs - Seller-XXX
Open-Missing Approval/Underwriting Summary 1008 is missing. - Due Diligence Vendor-XXX		 Ready for Review-Document Uploaded. supporting docs - Seller-XXX
 Resolved-Received 1008 - Due Diligence Vendor-XXX
 Qualifying FICO score is at least XXX points above minimum for program - Minimum FICO is XXX; qualifying FICO is XXX.
Months Reserves exceed minimum required - Months reserves required is XXX; qualifying reserves is XXX months.		   XXX.pdf QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) XXX XXX XXX XXX NA N/A N/A XXX
2025090419 XXX   D B D A B B A A Closed XXX XXX XXX Resolved 1 - Information D A Credit Missing Doc Borrower 1 XXX Credit Report is Missing Resolved-Received XXX report - Due Diligence Vendor-XXX
Ready for Review-Document Uploaded. supporting docs - Seller-XXX
Open-Borrower 1 XXX Credit Report is Missing Missing XXX Credit Report and XXX not reflected on Fraud Report. - Due Diligence Vendor-XXX		 Ready for Review-Document Uploaded. supporting docs - Seller-XXX
 Resolved-Received XXX report - Due Diligence Vendor-XXX
 Qualifying FICO score is at least XXX points above minimum for program - Minimum FICO is XXX; qualifying FICO is XXX.
Months Reserves exceed minimum required - Months reserves required is XXX; qualifying reserves is XXX months.		   XXX.pdf QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) XXX XXX XXX XXX NA N/A N/A XXX
2025090419 XXX   D B D A B B A A Closed XXX XXX XXX Resolved 1 - Information C A Credit Eligibility Property Does Not Meet Guidelines (credit) Resolved-Received original XXX appraisal - Due Diligence Vendor-XXX
Ready for Review-Document Uploaded. supporting docs - Seller-XXX
Open-Property Issues are identified for the property Appraisal is a copy - missing original appraisal.  - Due Diligence Vendor-XXX		 Ready for Review-Document Uploaded. supporting docs - Seller-XXX
 Resolved-Received original color appraisal - Due Diligence Vendor-XXX
 Qualifying FICO score is at least XXX points above minimum for program - Minimum FICO is XXX; qualifying FICO is XXX.
Months Reserves exceed minimum required - Months reserves required is XXX; qualifying reserves is XXX months.		   XXX.pdf QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) XXX XXX XXX XXX NA N/A N/A XXX
2025090419 XXX   D B D A B B A A Closed XXX XXX XXX Resolved 1 - Information D A Credit Missing Doc Borrower 1 Bank Statement Summary/Lender Worksheet is Missing Resolved-Received lenders bank statement calculation worksheet - Due Diligence Vendor-XXX
Ready for Review-Document Uploaded. supporting docs - Buyer-XXX
Open-The Borrower 1 Bank Statement Summary/Lender Worksheet is Missing Bank Statement Income Calculator is missing. - Due Diligence Vendor-XXX		   Resolved-Received lenders bank statement calculation worksheet - Due Diligence Vendor-XXX
 Qualifying FICO score is at least XXX points above minimum for program - Minimum FICO is XXX; qualifying FICO is XXX.
Months Reserves exceed minimum required - Months reserves required is XXX; qualifying reserves is XXX months.		   XXX.pdf QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) XXX XXX XXX XXX NA N/A N/A XXX
2025090419 XXX   D B D A B B A A Closed XXX XXX XXX Resolved 1 - Information D A Credit Missing Doc Borrower 1 3rd Party VOE Prior to Close Missing Resolved-Received good standing. - Due Diligence Vendor-XXX
Ready for Review-Document Uploaded. supporting docs - Buyer-XXX
Open-Borrower 1 3rd Party VOE Prior to Close Missing Verbal XXX missing. - Due Diligence Vendor-XXX		   Resolved-Received good standing. - Due Diligence Vendor-XXX
 Qualifying FICO score is at least XXX points above minimum for program - Minimum FICO is XXX; qualifying FICO is XXX.
Months Reserves exceed minimum required - Months reserves required is XXX; qualifying reserves is XXX months.		   XXX.pdf QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) XXX XXX XXX XXX NA N/A N/A XXX
2025090419 XXX   D B D A B B A A Closed XXX XXX XXX Resolved 1 - Information B A Compliance Missing Doc Missing Required Affiliated Business Disclosure Resolved-Received attestation that lender does not have affiliates. Affiliated Business Disclosure not required. - Due Diligence Vendor-XXX
Ready for Review-Document Uploaded. supporting docs - Seller-0XXX
Open-Required Affiliated Business Disclosure Missing Missing Affiliated Business disclosure, unable to test fee tolerance properly. Additional Findings may apply upon receipt. - Due Diligence Vendor-XXX		 Ready for Review-Document Uploaded. supporting docs - Seller-XXX
 Resolved-Received attestation that lender does not have affiliates. Affiliated Business Disclosure not required. - Due Diligence Vendor-XXX
 Qualifying FICO score is at least XXX points above minimum for program - Minimum FICO is XXX; qualifying FICO is XXX.
Months Reserves exceed minimum required - Months reserves required is XXX; qualifying reserves is XXX months.		   XXX.pdf QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) XXX XXX XXX XXX NA N/A N/A XXX
2025090419 XXX   D B D A B B A A Closed XXX XXX XXX Waived 2 - Non-Material B B Compliance Missing Doc Homeownership Counseling Disclosure Is Partially Provided Waived-Homeownership Counseling Disclosure Is Partially Provided (Date Creditor Received Application is XXX and XXX is XXX) Client waiver applied to non-material Findings. - Due Diligence Vendor-XXX   Waived-Homeownership Counseling Disclosure Is Partially Provided (Date Creditor Received Application is XXX and Occupancy is Primary Residence) Client waiver applied to non-material Findings. - Due Diligence Vendor-XXX
 Qualifying FICO score is at least XXX points above minimum for program - Minimum FICO is XXX; qualifying FICO is XXX.
Months Reserves exceed minimum required - Months reserves required is XXX; qualifying reserves is XXX months.		     QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) XXX XXX XXX XXX NA Investor Post-Close No XXX
2025090417 XXX   D A D A A A A A Closed XXX XXX XXX Resolved 1 - Information D A Credit Missing Doc DSCR Calculation Missing Resolved-Received DSCR Calculation - Due Diligence Vendor-XXX
Ready for Review-Document Uploaded. 1008 w DSCR - Buyer-XXX
Open-The DSCR Calculation from lender is Missing. Missing lender's DSCR Calculation Worksheet or 1008 showing calculation - Due Diligence Vendor-XXX		   Resolved-Received DSCR Calculation - Due Diligence Vendor-XXX
 Months Reserves exceed minimum required - Reserves: XXX Min XXX
LTV is less than guideline maximum - LTV: XXX% Max XXX%
Qualifying FICO score is at least XXX points above minimum for program - FICO: XXX Min XXX		   XXX.pdf ATR/QM: Exempt ATR/QM: Exempt XXX XXX XXX XXX XXX N/A N/A XXX
2025090417 XXX   D A D A A A A A Closed XXX XXX XXX Resolved 1 - Information C A Credit Title Property Title Issue Resolved-Received Certifications of Trust for XXX borrowers. - Due Diligence Vendor-XXX
Ready for Review-Document Uploaded. supporting docs - Buyer-XXX
Open XXX Issue Missing full complete copy of the XXX  dated XXX & XXX dated XXX.  - Due Diligence Vendor-XXX		   Resolved-Received Certifications of Trust for both borrowers. - Due Diligence Vendor-XXX
 Months Reserves exceed minimum required - Reserves: XXX Min XXX
LTV is less than guideline maximum - LTV: XXX% Max XXX%
Qualifying FICO score is at least XXX points above minimum for program - FICO: XXX Min XXX		   XXX.pdf ATR/QM: Exempt ATR/QM: Exempt XXX XXX XXX XXX XXX N/A N/A XXX
2025090457 XXX   A A A A A A A A             A A                   ATR/QM: Exempt ATR/QM: Exempt XXX XXX XXX XXX NA      
2025090394 XXX   D B D B A A A A Closed XXX XXX XXX Resolved 1 - Information D A Credit Missing Doc Missing XXX-Credit Resolved-Received XXX to the Mortgage and Addendum to the Note. - Due Diligence Vendor-XXX
Ready for Review-Document Uploaded. XXX
 - Buyer-XXX
Open-XXX require a XXX. XXX indicates a XXX but none found in file. Audit to enter prepay upon receipt of terms. - Due Diligence Vendor-XXX		   Resolved-Received XXX Rider to the Mortgage and Addendum to the Note. - Due Diligence Vendor-XXX
 Qualifying FICO score is at least XXX points above minimum for program - XXX FICO, XXX required

Months Reserves exceed minimum required - XXX months reserves documented, XXX months required.		   XXX.pdf ATR/QM: Exempt ATR/QM: Exempt XXX XXX XXX XXX XXX N/A N/A XXX
2025090394 XXX   D B D B A A A A Closed XXX XXX XXX Resolved 1 - Information C A Credit Eligibility Legal document incorrect or has issues Resolved-Received final Settlement Statement. - Due Diligence Vendor-XXX
Ready for Review-Document Uploaded. supporting docs - Buyer-XXX
Open-Settlement statement is not signed by borrower or XXX - Due Diligence Vendor-XXX		   Resolved-Received final Settlement Statement. - Due Diligence Vendor-XXX
 Qualifying FICO score is at least XXX points above minimum for program - XXX FICO, XXX required

Months Reserves exceed minimum required - XXX months reserves documented, XXX months required.		   XXX.pdf ATR/QM: Exempt ATR/QM: Exempt XXX XXX XXX XXX XXX N/A N/A XXX
2025090394 XXX   D B D B A A A A Closed XXX XXX XXX Waived 2 - Non-Material C B Credit Eligibility Borrower owns more financed properties than allowed per guidelines Waived-Originator exception granted and in file, waiver applied with comp factors. Deemed non material due to strong originator comp factors and borrower has paid on prior XXX on time for past XXX months. - Due Diligence Vendor-XXX
Open-XXX loans and $XXX exceeds guidelines. - Due Diligence Vendor-XXX		   Waived-Originator exception granted and in file, waiver applied with comp factors. Deemed non material due to strong originator comp factors and borrower has paid on prior blanket mortgage on time for past XXX months. - Due Diligence Vendor-XXX
 Qualifying FICO score is at least XXX points above minimum for program - XXX FICO, XXX required

Months Reserves exceed minimum required - XXX months reserves documented, XXX months required.		 XXX FICO, XXX required
XXX months reserves documented, XXX months required. 		   ATR/QM: Exempt ATR/QM: Exempt XXX XXX XXX XXX XXX Originator Post-Close Yes XXX
2025090423 XXX   D A D A A A A A Closed XXX XXX XXX Resolved 1 - Information C A Credit Closing Calculated Initial Payment and Initial Principal and Interest Payment do not match Resolved-Received corrected Note-fully executed-XXX Payment Amount matches Initial Payment Amount or is within $XXX variance. - Due Diligence Vendor-XXX
Ready for Review-Document Uploaded. Corrected Note with correct payment amount has been received.  - Buyer-XXX
Counter-The updated Note received is still incorrect. (Based on the loan amount of $XXX and Interest Rate of XXX% the XXX payment should be $XXX. The XXX payment reflected on the updated Note is $XXX) - Due Diligence Vendor-XXX
Ready for Review-Document Uploaded. Updated Note - Buyer-XXX
Open-Calculated Initial XXX Payment Amount does not match Initial XXX Payment Amount (Variance exceeds $XXX) Calculated Initial XXX Payment Amount $XXX does not match Initial XXX Payment Amount $XXX (Variance exceeds $XXX). Note is based on XXX payment however does not contain any XXX. Provide corrected Note with correct payment. - Due Diligence Vendor-XXX		   Resolved-Received corrected Note-fully executed- XXX Payment Amount matches Initial Payment Amount or is within $XXX variance. - Due Diligence Vendor-XXX
 LTV is less than guideline maximum - LTV XXX% LTV. Allowed XXX%
Months Reserves exceed minimum required - XXX months reserves; XXX months reserves required.		   XXX.pdf
XXX.pdf
XXX.pdf
XXX.pdf		 ATR/QM: Exempt ATR/QM: Exempt XXX XXX XXX XXX XXX N/A N/A XXX
2025090423 XXX   D A D A A A A A Closed XXX XXX XXX Resolved 1 - Information C A Credit Eligibility Audited FICO is less than Guideline FICO Resolved-Received complete credit report without XXX. - Due Diligence Vendor-XXX
Ready for Review-Document Uploaded. Correct Credit Report with all XXX XXX and mid-score of XXX has been uploaded.
 - Buyer-XXX
Open-Audited FICO of XXX is less than Guideline FICO of XXX Min FICO XXX, Bwr FICO XXX  - Due Diligence Vendor-XXX		   Resolved-Received complete credit report without XXX. - Due Diligence Vendor-XXX
 LTV is less than guideline maximum - LTV XXX% LTV. Allowed XXX%
Months Reserves exceed minimum required - XXX months reserves; XXX months reserves required.		   XXX.pdf ATR/QM: Exempt ATR/QM: Exempt XXX XXX XXX XXX XXX N/A N/A XXX
2025090423 XXX   D A D A A A A A Closed XXX XXX XXX Resolved 1 - Information D A Credit Missing Doc Secondary Valuation product is dated prior to the Appraisal date Resolved-Received Desk Review for the correct appraisal.  Value is supported. - Due Diligence Vendor-XXX
Ready for Review-Document Uploaded. supporting docs - Buyer-XXX
Counter-Received a XXX based o n XXX appraisal.  Clarify previous XXX-based on appraisal dated XXX with value of $XXX same appraiser-no commentary reflecting in XXX appraisal.  Additional conditions may apply - Due Diligence Vendor-XXX
Ready for Review-Document Uploaded. CDA - Buyer-XXX
Open-XXX or more of the additional valuation products were completed prior to the Primary Valuation product date. XXX needed as desk review on file above XXX% diff  - Due Diligence Vendor-XXX		   Resolved-Received Desk Review for the correct appraisal.  Value is supported. - Due Diligence Vendor-XXX
 LTV is less than guideline maximum - LTV XXX% LTV. Allowed XXX%
Months Reserves exceed minimum required - XXX months reserves; XXX months reserves required.		   XXX.pdf
XXX.pdf		 ATR/QM: Exempt ATR/QM: Exempt XXX XXX XXX XXX XXX N/A N/A XXX
2025090392 XXX   C B A A C B A A Closed XXX XXX XXX Resolved 1 - Information C A Compliance TRID Lender Credits That Cannot Decrease Test Resolved-Received XXX XXX, evidence of delivery of XXX XXX. Finding resolved. - Due Diligence Vendor-XXX
Ready for Review-Document Uploaded. XXX CD SIGNED - Buyer-XXX
Open-This loan failed the lender credits that cannot decrease test. ( 12 CFR §1026.19(e)(3)(i) )The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits ($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 §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). -----  Borrower acknowledgement of CD issued XXX is required as Lender credit decreased from $XXX to $XXX, please provide borrower's receipt of CD or evidence of refund to borrower or principal reduction in the amount of $XXX, post-close CD, XXX and evidence of delivery to borrower within XXX days of consummation date. Reduction in Lender credits must be directly related to fees and must offset closing cost equally. Statute of Limitations XXX years- Expiration date is XXX. - Due Diligence Vendor-XXX		   Resolved-Received XXX XXX, evidence of delivery of CD XXX. Finding resolved. - Due Diligence Vendor-XXX
 Qualifying FICO score is at least XXX points above minimum for program - The Borrowers credit score is XXX; guideline minimum is XXX
Qualifying DTI below maximum allowed - The DTI is XXX; guideline maximum is XXX%>		   XXX.pdf QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) XXX XXX XXX XXX XXX N/A N/A XXX
2025090392 XXX   C B A A C B A A Closed XXX XXX XXX Resolved 1 - Information C A Compliance TRID Charges That Cannot Increase Test Resolved-Received XXX XXX, evidence of delivery of CD XXX. Finding resolved. - Due Diligence Vendor-XXX
Ready for Review-Document Uploaded. XXX CD SIGNED - Buyer-XXX
Open-This loan failed the charges that cannot increase test.  (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).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 §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). -----  Borrower acknowledgement of CD issued XXX is required as XXX (XXX%) tolerance fees increased by $XXX (Mortgage Broker Fee), please provide borrower's receipt of CD or evidence of refund to borrower or principal reduction in the amount of $XXX, post-close CD, LOE and evidence of delivery to borrower within XXX days of consummation date. Reduction in Lender credits must be directly related to fees and must offset closing cost equally. Statute of Limitations XXX years- Expiration date is XXX.

 - Due Diligence Vendor-XXX		   Resolved-Received XXX XXX, evidence of delivery of CD XXX. Finding resolved. - Due Diligence Vendor-XXX
 Qualifying FICO score is at least XXX points above minimum for program - The Borrowers credit score is XXX; guideline minimum is XXX
Qualifying DTI below maximum allowed - The DTI is XXX; guideline maximum is XXX%>		   XXX.pdf QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) XXX XXX XXX XXX XXX N/A N/A XXX
2025090392 XXX   C B A A C B A A Closed XXX XXX XXX Waived 2 - Non-Material B B Compliance Missing Doc Missing Required Affiliated Business Disclosure Waived-Required Affiliated Business Disclosure Missing ----- Client waiver applied to non-material finding. - Due Diligence Vendor-XXX   Waived-Required Affiliated Business Disclosure Missing ----- Client waiver applied to non-material finding. - Due Diligence Vendor-XXX
 Qualifying FICO score is at least XXX points above minimum for program - The Borrowers credit score is XXX; guideline minimum is XXX
Qualifying DTI below maximum allowed - The DTI is XXX; guideline maximum is XXX%>		     QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) XXX XXX XXX XXX XXX Investor Post-Close No XXX
2025090404 XXX   C A C A A A A A Closed XXX XXX XXX Resolved 1 - Information C A Credit Assets Asset XXX Does Not Meet Guideline Requirements Resolved-Gift funds of $XXX and $XXX listed in section XXX of the final CD - Due Diligence Vendor-XXX
Open-Asset XXX Does Not Meet Guideline Requirements Gifts credited on CD as down payment in the amount of $XXX.  XXX gifts were given in the amount of $XXX and $XXX.  The $XXX was given; however, the difference of $XXX from XXX (XXX) is not documented. - Due Diligence Vendor-XXX		   Resolved-Gift funds of $XXX and $XXX listed in section XXX of the final CD - Due Diligence Vendor-XXX
 Months Reserves exceed minimum required - Min XXX months, actual XXX months
LTV is less than guideline maximum - Max XXX%, actual XXX%
DSCR % greater than XXX - Actual XXX		     ATR/QM: Exempt ATR/QM: Exempt XXX XXX XXX XXX NA N/A N/A XXX
2025090454 XXX   A A A A A A A A             A A                   ATR/QM: Exempt ATR/QM: Exempt XXX XXX XXX XXX XXX      
2025090416 XXX   D B D A C A D B Closed XXX XXX XXX Waived 2 - Non-Material D B Property Missing Doc Appraisal is Missing Waived-Document Uploaded. Client waiver applied to non-material finding with compensating factors. - Due Diligence Vendor-XXX
Counter--Received appraisal-Missing date on appraisal transfer letter - Due Diligence Vendor-XXX
Ready for Review-Document Uploaded. Appraisal - Seller-XXX
Open-Appraisal is Missing Primary Appraisal is missing. Additional conditions may apply. - Due Diligence Vendor-XXX		 Ready for Review-Document Uploaded. Appraisal - Seller-XXX
 Waived-Document Uploaded. Client waiver applied to non-material finding with compensating factors. - Due Diligence Vendor-XXX
 Qualifying FICO score is at least XXX points above minimum for program - Minimum FICO is XXX; qualifying FICO is XXX.
Months Reserves exceed minimum required - Months reserves required is XXX; qualifying reserves is XXX months.		 XXX months of reserves
XXX fico score		 XXX.pdf
XXX.pdf		 Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors XXX XXX XXX XXX NA Investor Post-Close No XXX
2025090416 XXX   D B D A C A D B Closed XXX XXX XXX Resolved 1 - Information D A Credit Missing Doc Borrower 1 XXX Credit Report is Missing Resolved-Received XXX - Due Diligence Vendor-XXX
Ready for Review-Document Uploaded. XXX both borrowers - Seller-XXX
Open-Borrower 1 XXX Credit Report is Missing XXX Credit is missing and not reflected on Fraud Report. - Due Diligence Vendor-XXX		 Ready for Review-Document Uploaded. XXX both borrowers - Seller-XXX
 Resolved-Received XXX - Due Diligence Vendor-XXX
 Qualifying FICO score is at least XXX points above minimum for program - Minimum FICO is XXX; qualifying FICO is XXX.
Months Reserves exceed minimum required - Months reserves required is XXX; qualifying reserves is XXX months.		   XXX.pdf Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors XXX XXX XXX XXX NA N/A N/A XXX
2025090416 XXX   D B D A C A D B Closed XXX XXX XXX Resolved 1 - Information D A Credit Missing Doc Borrower 2 XXX Credit Report is Missing Resolved-Received XXX - Due Diligence Vendor-XXX
Ready for Review-Document Uploaded. XXX both borrowers - Seller-XXX
Open-Borrower 2 XXX Credit Report is Missing XXX Credit is missing and not reflected on Fraud Report. - Due Diligence Vendor-XXX		 Ready for Review-Document Uploaded. XXX both borrowers - Seller-XXX
 Resolved-Received XXX - Due Diligence Vendor-XXX
 Qualifying FICO score is at least XXX points above minimum for program - Minimum FICO is XXX; qualifying FICO is XXX.
Months Reserves exceed minimum required - Months reserves required is XXX; qualifying reserves is XXX months.		   XXX.pdf Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors XXX XXX XXX XXX NA N/A N/A XXX
2025090416 XXX   D B D A C A D B Closed XXX XXX XXX Resolved 1 - Information C A Compliance TRID XXX: CD not delivered at least XXX days prior to consummation Resolved-Received CD XXX, finding resolved. - Due Diligence Vendor-XXX
Ready for Review-Document Uploaded. Initial CD - Buyer-XXX
Open------Missing initial CD acknowledged by borrower a minimum of XXX days prior to consummation. Additional findings may apply upon receipt. - Due Diligence Vendor-XXX		   Resolved-Received CD XXX, finding resolved. - Due Diligence Vendor-XXX
 Qualifying FICO score is at least XXX points above minimum for program - Minimum FICO is XXX; qualifying FICO is XXX.
Months Reserves exceed minimum required - Months reserves required is XXX; qualifying reserves is XXX months.		   XXX.pdf Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors XXX XXX XXX XXX NA N/A N/A XXX
2025090409 XXX   D A D A A A A A Closed XXX XXX XXX Resolved 1 - Information D A Credit Missing Doc Borrower 1 CPA Letter Missing Resolved-Received CPA letter and license validation.  - Due Diligence Vendor-XXX
Ready for Review-Document Uploaded. cpa - Buyer-XXX
Open-License not provided by accountant and letter does not state what type of credentials the preparer possesses, unable to confirm credential type and whether it meets guidelines - Due Diligence Vendor-XXX		   Resolved-Received CPA letter and license validation.  - Due Diligence Vendor-XXX
 Qualifying FICO score is at least XXX points above minimum for program - Qualifying credit score XXX; minimum required XXX.
Months Reserves exceed minimum required - XXX months PITIA reserves; XXX months reserves required.		   XXX.pdf
XXX.pdf		 QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) XXX XXX XXX XXX NA N/A N/A XXX
2025090429 XXX   D B D A C B D A Closed XXX XXX XXX Resolved 1 - Information C A Credit Eligibility Audited Reserves are less than Guideline Required Reserves (Number of Months) Resolved-Received statement and source of funds. - Due Diligence Vendor-XXX
Ready for Review-Document Uploaded. Bank Statements - Seller-XXX
Open-Audited Reserves of XXX month(s) are less than Guideline Required Reserves of XXX month(s) XXX months reserves required.  Final 1003 reflects XXX asset accounts.  XXX  #XXX and a XXX Account XXX percent with a balance of XXX which is not supported with any statement in file.  Borrower is short required reserves - Due Diligence Vendor-XXX		 Ready for Review-Document Uploaded. Bank Statements - Seller-XXX
 Resolved-Received statement and source of funds. - Due Diligence Vendor-XXX
 Residual Income =/> XXX times $XXX monthly residual income - Borrower's residual income is $XXX
Qualifying DTI below maximum allowed - Maximum DTI is XXX%, subject loan is XXX%		   XXX.pdf QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) XXX XXX XXX XXX XXX N/A N/A XXX
2025090429 XXX   D B D A C B D A Closed XXX XXX XXX Resolved 1 - Information D A Credit Missing Doc Approval/Underwriting Summary Not Provided (XXX) Resolved-Received 1008 - Due Diligence Vendor-XXX
Ready for Review-Document Uploaded. Final 1008 - Buyer-XXX
Open-Missing Approval/Underwriting Summary The 1008 is missing from the file - Due Diligence Vendor-XXX		   Resolved-Received 1008 - Due Diligence Vendor-XXX
 Residual Income =/> XXX times $XXX monthly residual income - Borrower's residual income is $XXX
Qualifying DTI below maximum allowed - Maximum DTI is XXX%, subject loan is XXX%		   XXX.pdf QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) XXX XXX XXX XXX XXX N/A N/A XXX
2025090429 XXX   D B D A C B D A Closed XXX XXX XXX Resolved 1 - Information C A Compliance TRID Charges That Cannot Increase Test Resolved-Received PCCD XXX, and XXX. finding resolved. - Due Diligence Vendor-XXX
Ready for Review-Document Uploaded. XXX and CD - Buyer-XXX
Open-This loan failed the charges that cannot increase test.  (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).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 §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). -----XXX (XXX%) tolerance fees increased by $XXX (Appraisal Fee) without a valid XXX in file. Provide a valid and timely XXX for increase OR evidence of refund to borrower or principal reduction in the amount of $XXX, post-close CD, XXX and evidence of delivery to borrower within XXX days of consummation date. Statute of Limitations XXX year- Expiration date is XXX.
 - Due Diligence Vendor-XXX		   Resolved-Received PCCD XXX, and LOX. finding resolved. - Due Diligence Vendor-XXX
 Residual Income =/> XXX times $XXX monthly residual income - Borrower's residual income is $XXX
Qualifying DTI below maximum allowed - Maximum DTI is XXX%, subject loan is XXX%		   XXX.pdf QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) XXX XXX XXX XXX XXX N/A N/A XXX
2025090429 XXX   D B D A C B D A Closed XXX XXX XXX Resolved 1 - Information D A Credit Missing Doc Third Party Fraud Report not Provided Resolved-Received Fraud Report. - Due Diligence Vendor-XXX
Ready for Review-Document Uploaded. XXX Report - Seller-XXX
Counter-Fraud report reflects open alerts.  Please provide update reflecting all alerts resolved.  - Due Diligence Vendor-XXX
Ready for Review-Document Uploaded. Fraud Report - Buyer-XXX
Open-Missing Third Party Fraud Report Fraud report is missing from the file - Due Diligence Vendor-XXX		 Ready for Review-Document Uploaded. XXX Report - Seller-XXX
 Resolved-Received Fraud Report. - Due Diligence Vendor-XXX
 Residual Income =/> XXX times $XXX monthly residual income - Borrower's residual income is $XXX
Qualifying DTI below maximum allowed - Maximum DTI is XXX%, subject loan is XXX%		   XXX.pdf
XXX.pdf		 QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) XXX XXX XXX XXX XXX N/A N/A XXX
2025090429 XXX   D B D A C B D A Closed XXX XXX XXX Resolved 1 - Information D A Credit Missing Doc Borrower 1 XXX Credit Report is Missing Resolved-Borrower 1 XXX Credit Report is not missing. - Due Diligence Vendor-0XXX
Ready for Review-Document Uploaded. Supporting docs - Buyer-XXX
Open-Borrower 1 XXX Credit Report is Missing Missing XXX Credit. XXX credit report or Undisclosed Debt Monitoring is missing from the file - Due Diligence Vendor-XXX		   Resolved-Borrower 1 XXX Credit Report is not missing. - Due Diligence Vendor-XXX
 Residual Income =/> XXX times $XXX monthly residual income - Borrower's residual income is $XXX
Qualifying DTI below maximum allowed - Maximum DTI is XXX%, subject loan is XXX%		   XXX.pdf
XXX.pdf
XXX.pdf		 QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) XXX XXX XXX XXX XXX N/A N/A XXX
2025090429 XXX   D B D A C B D A Closed XXX XXX XXX Resolved 1 - Information D A Property Missing Doc Secondary Valuation or Additional Valuation has not been entered per securitization requirements Resolved-Received Desk Review which supports the appraised value. - Due Diligence Vendor-XXX
Ready for Review-Document Uploaded. Appraisal Review - Seller-XXX
Open-XXX > XXX - XXX - XXX / Required additional review product - Due Diligence Vendor-XXX		 Ready for Review-Document Uploaded. Appraisal Review - Seller-XXX
 Resolved-Received Desk Review which supports the appraised value. - Due Diligence Vendor-XXX
 Residual Income =/> XXX times $XXX monthly residual income - Borrower's residual income is $XXX
Qualifying DTI below maximum allowed - Maximum DTI is XXX%, subject loan is XXX%		   XXX.pdf QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) XXX XXX XXX XXX XXX N/A N/A XXX
2025090429 XXX   D B D A C B D A Closed XXX XXX XXX Resolved 1 - Information C A Credit Eligibility Approval/Underwriting Summary Not Provided_XXX Resolved-Received 1008 - Due Diligence Vendor-XXX
Ready for Review-Document Uploaded. Final 1008 - Buyer-XXX
Open-Approval/Underwriting Summary Not Provided.  The 1008 Approval/underwriting summary is not in file - Due Diligence Vendor-XXX		   Resolved-Received 1008 - Due Diligence Vendor-XXX
 Residual Income =/> XXX times $XXX monthly residual income - Borrower's residual income is $XXX
Qualifying DTI below maximum allowed - Maximum DTI is XXX%, subject loan is XXX%		   XXX.pdf QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) XXX XXX XXX XXX XXX N/A N/A XXX
2025090429 XXX   D B D A C B D A Closed XXX XXX XXX Resolved 1 - Information C A Credit Eligibility File does not contain LOX for credit inquiries Resolved-Received credit inquiry letter.  - Due Diligence Vendor-XXX
Ready for Review-Document Uploaded. XXX - Buyer-XXX
Open-XXX for credit inquiries is missing.  XXX for credit inquires is not in file - Due Diligence Vendor-XXX		   Resolved-Received credit inquiry letter.  - Due Diligence Vendor-XXX
 Residual Income =/> XXX times $XXX monthly residual income - Borrower's residual income is $XXX
Qualifying DTI below maximum allowed - Maximum DTI is XXX%, subject loan is XXX%		   XXX.pdf QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) XXX XXX XXX XXX XXX N/A N/A XXX
2025090429 XXX   D B D A C B D A Closed XXX XXX XXX Resolved 1 - Information D A Credit Missing Doc Borrower 1 3rd Party VOE Prior to Close Missing Resolved-Upon further review, the loan file contained all required employment verification documentation. - Due Diligence Vendor-XXX
Ready for Review-Document Uploaded. Final XXX - Seller-XXX
Open-Borrower 1 3rd Party XXX Prior to Close Missing XXX verification is missing from the file - Due Diligence Vendor-XXX		 Ready for Review-Document Uploaded. Final XXX - Seller-XXX
 Resolved-Upon further review, the loan file contained all required employment verification documentation. - Due Diligence Vendor-XXX
 Residual Income =/> XXX times $XXX monthly residual income - Borrower's residual income is $XXX
Qualifying DTI below maximum allowed - Maximum DTI is XXX%, subject loan is XXX%		   XXX.pdf QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) XXX XXX XXX XXX XXX N/A N/A XXX
2025090429 XXX   D B D A C B D A Closed XXX XXX XXX Waived 2 - Non-Material B B Compliance Missing Doc Missing Required Affiliated Business Disclosure Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings - Due Diligence Vendor-XXX   Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings - Due Diligence Vendor-XXX
 Residual Income =/> XXX times $XXX monthly residual income - Borrower's residual income is $XXX
Qualifying DTI below maximum allowed - Maximum DTI is XXX%, subject loan is XXX%		     QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) XXX XXX XXX XXX XXX Investor Post-Close No XXX
2025090456 XXX   C A A A C A A A Closed XXX XXX XXX Resolved 1 - Information C A Compliance TRID XXX: CD not delivered at least XXX days prior to consummation Resolved-Received CD XXX, delivered XXX.  Finding resolved. - Due Diligence Vendor-XXX
Ready for Review-Document Uploaded. supporting docs - Buyer-XXX
Open----------- Missing initial CD and acknowledgement by borrower(s) a minimum XXX days prior to consummation date, unable to test. Additional finding may apply upon receipt. - Due Diligence Vendor-XXX		   Resolved-Received CD XXX, delivered XXX.  Finding resolved. - Due Diligence Vendor-XXX
 Qualifying FICO score is at least XXX points above minimum for program - XXX FICO; XXX required
Months Reserves exceed minimum required - XXX months PITIA reserves; XXX months reserves required.		   XXX.pdf
XXX.pdf		 QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) XXX XXX XXX XXX XXX N/A N/A XXX
2025090455 XXX   C B C A C B A A Closed XXX XXX XXX Resolved 1 - Information C A Credit Closing The Deed of Trust is Incomplete Resolved-Received XXX description completing security instrument.  - Due Diligence Vendor-XXX
Ready for Review-Document Uploaded. supporting docs - Buyer-XXX
Open-The Deed of Trust is Incomplete Missing Exhibit A (Legal Description)  - Due Diligence Vendor-XXX		   Resolved-Received legal description completing security instrument.  - Due Diligence Vendor-XXX
 Qualifying FICO score is at least XXX points above minimum for program - XXX FICO; XXX required
Months Reserves exceed minimum required - XXX months PITIA reserves; XXX months reserves required.		   XXX.pdf QM: Higher Priced APOR (APOR HP) QM: Higher Priced APOR (APOR HP) XXX XXX XXX XXX NA N/A N/A XXX
2025090455 XXX   C B C A C B A A Closed XXX XXX XXX Resolved 1 - Information C A Compliance TRID XXX: CD not delivered at least XXX days prior to consummation Resolved-Received CD XXX, evidence of delivery XXX.  Finding resolved. - Due Diligence Vendor-XXX
Ready for Review-Document Uploaded. supporting docs - Buyer-XXX
Open-Missing initial CD acknowledged by borrower a minimum of XXX days prior to consummation. Statute of Limitations XXX years- Expiration date is XXX. - Due Diligence Vendor-XXX		   Resolved-Received CD XXX, evidence of delivery XXX.  Finding resolved. - Due Diligence Vendor-XXX
 Qualifying FICO score is at least XXX points above minimum for program - XXX FICO; XXX required
Months Reserves exceed minimum required - XXX months PITIA reserves; XXX months reserves required.		   XXX.pdf
XXX.pdf		 QM: Higher Priced APOR (APOR HP) QM: Higher Priced APOR (APOR HP) XXX XXX XXX XXX NA N/A N/A XXX
2025090455 XXX   C B C A C B A A Closed XXX XXX XXX Waived 2 - Non-Material B B Compliance Missing Doc Missing Required Affiliated Business Disclosure Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings.
 - Due Diligence Vendor-XXX		   Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings.
 - Due Diligence Vendor-XXX
 Qualifying FICO score is at least XXX points above minimum for program - XXX FICO; XXX required
Months Reserves exceed minimum required - XXX months PITIA reserves; XXX months reserves required.		     QM: Higher Priced APOR (APOR HP) QM: Higher Priced APOR (APOR HP) XXX XXX XXX XXX NA Investor Post-Close No XXX
2025090385 XXX   D B D A C B A A Closed XXX XXX XXX Resolved 1 - Information D A Credit Missing Doc Borrower 1 XXX Credit Report is Missing Resolved-Received XXX Report. - Due Diligence Vendor-XXX
Ready for Review-Document Uploaded. Credit report included in attached - Buyer-XXX
Open-Borrower 1 XXX Credit Report is Missing - Due Diligence Vendor-XXX		   Resolved-Received XXX Report. - Due Diligence Vendor-XXX
 Qualifying DTI below maximum allowed - Qualifying DTI XXX%; max permitted XXX%.
Months Reserves exceed minimum required - XXX months PITIA reserves; XXX months reserves required.		   XXX.pdf QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) XXX XXX XXX XXX NA N/A N/A XXX
2025090385 XXX   D B D A C B A A Closed XXX XXX XXX Resolved 1 - Information C A Compliance TRID Charges That Cannot Increase Test Resolved-This loan failed the charges that cannot increase test.  (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).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 §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). Upon further review, finding resolved. - Due Diligence Vendor-XXX
Ready for Review-Document Uploaded. CD - Buyer-XXX
Open-This loan failed the charges that cannot increase test.  (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).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 §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). XXX (XXX%) tolerance fees increased by $XXX (Discount points and transfer taxes) without a valid XXX in file. Provide a valid and timely XXX for increase OR evidence of refund to borrower or principal reduction in the amount of $XXX, post-close CD, XXX and evidence of delivery to borrower within XXX days of consummation date. Statute of Limitations XXX year- Expiration date is XXX
 - Due Diligence Vendor-XXX		   Resolved-This loan failed the charges that cannot increase test.  (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). Upon further review, finding resolved. - Due Diligence Vendor-XXX
 Qualifying DTI below maximum allowed - Qualifying DTI XXX%; max permitted XXX%.
Months Reserves exceed minimum required - XXX months PITIA reserves; XXX months reserves required.		   XXX.pdf QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) XXX XXX XXX XXX NA N/A N/A XXX
2025090385 XXX   D B D A C B A A Closed XXX XXX XXX Waived 2 - Non-Material B B Compliance Missing Doc Missing Required Affiliated Business Disclosure Waived-Required Affiliated Business Disclosure Missing : Client waiver applied to non-material Findings - Due Diligence Vendor-XXX   Waived-Required Affiliated Business Disclosure Missing : Client waiver applied to non-material Findings - Due Diligence Vendor-XXX
 Qualifying DTI below maximum allowed - Qualifying DTI XXX%; max permitted XXX%.
Months Reserves exceed minimum required - XXX months PITIA reserves; XXX months reserves required.		     QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) XXX XXX XXX XXX NA Investor Post-Close No XXX
2025090413 XXX   C B C A B B A A Closed XXX XXX XXX Resolved 1 - Information C A Credit Eligibility Missing Disclosure -XXX Borrower Identification Form Resolved-Patriot act disclosure received. - Due Diligence Vendor-XXX
Ready for Review-Document Uploaded. Correct XXX XXX - Buyer-XXX
Counter-Document received is insufficient-provide complete XXX or XXX for XXX.   - Due Diligence Vendor-XXX
Ready for Review-Document Uploaded. supporting docs - Buyer-XXX
Counter-Receive XXX for XXX.  Please provide the XXX for XXX. - Due Diligence Vendor-XXX
Ready for Review-Document Uploaded. Attached the XXX found in the file.
 - Buyer-XXX
Open-Missing Disclosure - XXX Borrower Identification Form.  Missing XXX Form - Due Diligence Vendor-XXX		   Resolved-XXX disclosure received. - Due Diligence Vendor-XXX
 Months Reserves exceed minimum required - XXX months reserves documented, XXX months required.  
Qualifying FICO score is at least XXX points above minimum for program - XXX FICO, XXX required.		   XXX.pdf
XXX.pdf
XXX.pdf		 QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) XXX XXX XXX XXX XXX N/A N/A XXX
2025090413 XXX   C B C A B B A A Closed XXX XXX XXX Waived 2 - Non-Material B B Compliance Missing Doc Missing Required Affiliated Business Disclosure Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material findings - Due Diligence Vendor-XXX   Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material findings - Due Diligence Vendor-XXX
 Months Reserves exceed minimum required - XXX months reserves documented, XXX months required.  
Qualifying FICO score is at least XXX points above minimum for program - XXX FICO, XXX required.		     QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) XXX XXX XXX XXX XXX Investor Post-Close No XXX
2025090425 XXX   D B D A B B A A Closed XXX XXX XXX Resolved 1 - Information D A Credit Missing Doc XXX is Missing Resolved-Received Recorded XXX w/XXX. - Due Diligence Vendor-XXX
Ready for Review-Document Uploaded. Recorded Mortgage with XXX included - Buyer-XXX
Open-XXX is Missing Per XXX is in a XXX - Due Diligence Vendor-XXX		   Resolved-Received Recorded XXX . - Due Diligence Vendor-XXX
 Months Reserves exceed minimum required - XXX months reserves, XXX months required.
Credit history exceeds minimum required - XXX FICO, XXX required		   XXX.pdf QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) XXX XXX XXX XXX XXX N/A N/A XXX
2025090425 XXX   D B D A B B A A Closed XXX XXX XXX Waived 2 - Non-Material B B Compliance Missing Doc Missing Required Affiliated Business Disclosure Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material findings. - Due Diligence Vendor-XXX   Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material findings. - Due Diligence Vendor-XXX
 Months Reserves exceed minimum required - XXX months reserves, XXX months required.
Credit history exceeds minimum required - XXX FICO, XXX required		     QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) XXX XXX XXX XXX XXX Investor Post-Close No XXX
2025090414 XXX   D A D A C A A A Closed XXX XXX XXX Resolved 1 - Information C A Credit QM-ATR Invalid Final QM Status - ATR/QM: Status Pending Resolved-Received XXX Statement. - Due Diligence Vendor-XXX
Ready for Review-Document Uploaded. XXX  XXX stmt attached. - Buyer-XXX
Open-The Final Reviewed XXX Status is 'XXX: Status Pending' on a XXX. Missing XXX statement for XXX ending XXX-audit used lender amount from income worksheet-removal of income will result in higher XXX. - Due Diligence Vendor-XXX		   Resolved-Received XXX Statement. - Due Diligence Vendor-XXX
 On time mortgage history exceeds guideline requirement - XXX
Months Reserves exceed minimum required - Months reserves required is XXX; qualifying reserves is XXX months.		   XXX.pdf QM: Higher Priced APOR (APOR HP) QM: Higher Priced APOR (APOR HP) XXX XXX XXX XXX XXX N/A N/A XXX
2025090414 XXX   D A D A C A A A Closed XXX XXX XXX Resolved 1 - Information D A Credit Missing Doc Missing Income - Bank Statements Resolved-Received XXX Statement.  - Due Diligence Vendor-XXX
Ready for Review-Document Uploaded. XXX XXX stmt attached.  - Buyer-XXX
Open-Missing XXX statement for XXX ending XXX-audit used lender amount from income worksheet-removal of income will result in higher XXX. - Due Diligence Vendor-XXX		   Resolved-Received XXX Statement.  - Due Diligence Vendor-XXX
 On time mortgage history exceeds guideline requirement - XXX
Months Reserves exceed minimum required - Months reserves required is XXX; qualifying reserves is XXX months.		   XXX.pdf QM: Higher Priced APOR (APOR HP) QM: Higher Priced APOR (APOR HP) XXX XXX XXX XXX XXX N/A N/A XXX
2025090414 XXX   D A D A C A A A Closed XXX XXX XXX Resolved 1 - Information C A Compliance TRID Charges That Cannot Increase Test Resolved-Rec'd XXX.  Finding Resolved. - Due Diligence Vendor-XXX
Ready for Review-Document Uploaded. Initial CD went out on XXX with a loan amount of $XXX and a Broker fee of $XXX (XXX%)
On XXX a XXX was sent for loan amount increase to $XXX which also increased the Broker fee to $XXX (XXX%) - Buyer-XXX
Open-This loan failed the charges that cannot increase test.  (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).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 §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). -----XXX (XXX%) tolerance fees increased by $XXX (XXX) without a valid XXX in file. Provide a valid and timely XXX for increase OR evidence of refund to borrower or principal reduction in the amount of $XXX, post-close CD, XXX and evidence of delivery to borrower within XXX days of consummation date. Statute of Limitations XXX year- Expiration date is XXX. - Due Diligence Vendor-XXX		   Resolved-Rec'd XXX.  Finding Resolved. - Due Diligence Vendor-XXX
 On time mortgage history exceeds guideline requirement - XXX
Months Reserves exceed minimum required - Months reserves required is XXX; qualifying reserves is XXX months.		   XXX.pdf QM: Higher Priced APOR (APOR HP) QM: Higher Priced APOR (APOR HP) XXX XXX XXX XXX XXX N/A N/A XXX
2025090402 XXX   C A A A C A A A Closed XXX XXX XXX Resolved 1 - Information C A Compliance Right to Rescind XXX Resolved-Received XXX XXX , disbursement date XXX.  Finding resolved. - Due Diligence Vendor-XXX
Ready for Review-Document Uploaded. supporting docs - Buyer-XXX
Open-This loan failed the XXX right of rescission test.Closed-end ( 12 CFR §1026.23(a)(3) , transferred from  12 CFR §226.23(a)(3) ), Open-end ( 12 CFR §1026.15(a)(3) , transferred from  12 CFR §226.15(a)(3) )The funding date is before the XXX business day following consummation.The consumer may exercise the right to rescind until midnight of the XXX business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. -----Provide XXX with disbursement date after the XXX expiration date, XXX. - Due Diligence Vendor-XXX		   Resolved-Received PCCD XXX , disbursement date XXX.  Finding resolved. - Due Diligence Vendor-XXX
 LTV is less than guideline maximum - LTV XXX%; max XXX%.
Months Reserves exceed minimum required - XXX months PITIA reserves; XXX months reserves required.		   XXX.pdf QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) XXX XXX XXX XXX XXX N/A N/A XXX
2025090462 XXX   D B D B A A D A Closed XXX XXX XXX Resolved 1 - Information D A Credit Missing Doc Title Document Missing Resolved-Title Document is fully Present - Due Diligence Vendor-XXX
Ready for Review-Document Uploaded. XXX - Buyer-XXX
Counter-Please provide XXX considered for closing-received XXX only. - Due Diligence Vendor-XXX
Ready for Review-Document Uploaded. supporting docs - Buyer-XXX
Open-Title Document is missing Missing title commitment, - Due Diligence Vendor-XXX		   Resolved-Title Document is fully Present - Due Diligence Vendor-XXX
 Qualifying FICO score is at least XXX points above minimum for program - The Borrowers FICO score is XXX; guideline minimum is XXX.   XXX.pdf
XXX.pdf		 ATR/QM: Exempt ATR/QM: Exempt XXX XXX XXX XXX XXX N/A N/A XXX
2025090462 XXX   D B D B A A D A Closed XXX XXX XXX Resolved 1 - Information D A Property Missing Doc Secondary Valuation or Additional Valuation has not been entered per securitization requirements Resolved-Received XXX. - Due Diligence Vendor-XXX
Ready for Review-Document Uploaded. supporting docs - Buyer-XXX
Open-Additional valuation product has not been provided.  Missing XXX - Due Diligence Vendor-XXX		   Resolved-Received secondary valuation. - Due Diligence Vendor-XXX
 Qualifying FICO score is at least XXX points above minimum for program - The Borrowers FICO score is XXX; guideline minimum is XXX.   XXX.pdf ATR/QM: Exempt ATR/QM: Exempt XXX XXX XXX XXX XXX N/A N/A XXX
2025090462 XXX   D B D B A A D A Closed XXX XXX XXX Waived 2 - Non-Material C B Credit Eligibility Housing History Does Not Meet Guideline Requirements Waived-Client exception granted and in file, waiver applied with comp factors. Deemed non-material, XXX living rent free. Excellent credit. - Due Diligence Vendor-XXX
Open-Housing History Does Not Meet Guideline Requirements XXX w/no past housing history. - Due Diligence Vendor-XXX		   Waived-Client exception granted and in file, waiver applied with comp factors. Deemed non-material, first time investor living rent free. Excellent credit. - Due Diligence Vendor-XXX
 Qualifying FICO score is at least XXX points above minimum for program - The Borrowers FICO score is XXX; guideline minimum is XXX. Paying off high rate mortgage monthly savings $XXX/mo; DSCR XXX; XXX score, XXX tradelines, XXX autho user. All revolving credit. Oldest tradeline XXX;   ATR/QM: Exempt ATR/QM: Exempt XXX XXX XXX XXX XXX Investor Post-Close No XXX
2025090474 XXX   C B C B A A A A Closed XXX XXX XXX Resolved 1 - Information C A Credit Eligibility Audited LTV Exceeds Guideline LTV Resolved-Lender does not require XXX.  Max LTV ratio is XXX%. - Due Diligence Vendor-XXX
Counter-Documentation is insufficient-borrower is XXX max ltv XXX% less XXX% reduction is XXX% LTV-original finding remains. - Due Diligence Vendor-XXX
Ready for Review-Document Uploaded. Rebuttal XXX% reduction was taken max LTV is XXX% we are at XXX% - Buyer-XXX
Counter-Exception request received does not reflect LTV exception request.  Please provide exception request and client approval for LTV not reduced in XXX for XXX. - Due Diligence Vendor-XXX
Ready for Review-Document Uploaded. exception request for XXX - Buyer-XXX
Open-Audited LTV of XXX% exceeds Guideline LTV of XXX% XXX requires XXX% LTV reduction from max of XXX% considered XXX . Borrower has has only owned the subject for XXX months and no other housing history since XXX.  No proof of free and clear XXX was provided - Due Diligence Vendor-XXX		   Resolved-Lender does not require stacking reductions.  Max LTV ratio is XXX%. - Due Diligence Vendor-XXX
 Months Reserves exceed minimum required - Minimum reserves are XXX months, Borrower has XXX months
DSCR % greater than XXX - XXX
Qualifying FICO score is at least XXX points above minimum for program - Minimum FICO is XXX, qualifying score is XXX		   XXX.pdf
XXX.pdf		 ATR/QM: Exempt ATR/QM: Exempt XXX XXX XXX XXX XXX N/A N/A XXX
2025090474 XXX   C B C B A A A A Closed XXX XXX XXX Waived 2 - Non-Material C B Credit Eligibility Housing History Does Not Meet Guideline Requirements Waived-Client exception granted <XXX months housing history waiver applied with comp factors - Due Diligence Vendor-XXX
Ready for Review-Document Uploaded. Exception approval email - Buyer-XXX
Open-Housing History Does Not Meet Guideline Requirements Borrower has has only owned the subject for XXX months and no other housing history since XXX.  No proof of free and clear XXX was provided. Ineligible for XXX.  Originator exception in file, missing client exception.  Finding remains open and material. - Due Diligence Vendor-XXX		   Waived-Client exception granted <XXX months housing history waiver applied with comp factors - Due Diligence Vendor-XXX
 Months Reserves exceed minimum required - Minimum reserves are XXX months, Borrower has XXX months
DSCR % greater than XXX - XXX
Qualifying FICO score is at least XXX points above minimum for program - Minimum FICO is XXX, qualifying score is XXX		 XXX FICO
DSCR XXX
XXX months reserves		 XXX.pdf ATR/QM: Exempt ATR/QM: Exempt XXX XXX XXX XXX XXX Investor Post-Close No XXX
2025090470 XXX   A A A A A A A A             A A                   ATR/QM: Exempt ATR/QM: Exempt XXX XXX XXX XXX XXX      
2025090421 XXX   D A D A A A A A Closed XXX XXX XXX Resolved 1 - Information C A Credit Eligibility Approval/Underwriting Summary Not Provided_XXX Resolved-Received 1008 - Due Diligence Vendor-XXX
Ready for Review-Document Uploaded. supporting docs - Seller-XXX
Open-Approval/Underwriting Summary Not Provided.  1008 not present in file. - Due Diligence Vendor-XXX		 Ready for Review-Document Uploaded. supporting docs - Seller-XXX
 Resolved-Received 1008 - Due Diligence Vendor-XXX
 Qualifying FICO score is at least XXX points above minimum for program - Minimum FICO is XXX; qualifying FICO is XXX.
Months Reserves exceed minimum required - XXX mths reserves; XXX mths required.		   XXX.pdf
XXX.pdf		 ATR/QM: Exempt ATR/QM: Exempt XXX XXX XXX XXX XXX N/A N/A XXX
2025090421 XXX   D A D A A A A A Closed XXX XXX XXX Resolved 1 - Information D A Credit Missing Doc Third Party Fraud Report not Provided Resolved-Received Fraud Report. - Due Diligence Vendor-XXX
Ready for Review-Document Uploaded. supporting docs - Buyer-XXX
Open-Missing Third Party Fraud Report Fraud Report is missing. - Due Diligence Vendor-XXX		   Resolved-Received Fraud Report. - Due Diligence Vendor-XXX
 Qualifying FICO score is at least XXX points above minimum for program - Minimum FICO is XXX; qualifying FICO is XXX.
Months Reserves exceed minimum required - XXX mths reserves; XXX mths required.		   XXX.pdf ATR/QM: Exempt ATR/QM: Exempt XXX XXX XXX XXX XXX N/A N/A XXX
2025090421 XXX   D A D A A A A A Closed XXX XXX XXX Resolved 1 - Information D A Credit Missing Doc Flood Certificate Missing Resolved-Received XXX. - Due Diligence Vendor-XXX
Ready for Review-Document Uploaded. XXX - Buyer-XXX
Counter-Received XXX. Please provide the XXX- Due Diligence Vendor-XXX
Ready for Review-Document Uploaded. supporting docs - Seller-XXX
Open-Missing XXX XXX is missing. - Due Diligence Vendor-XXX		 Ready for Review-Document Uploaded. supporting docs - Seller-XXX
 Resolved-Received Flood Cert. - Due Diligence Vendor-XXX
 Qualifying FICO score is at least XXX points above minimum for program - Minimum FICO is XXX; qualifying FICO is XXX.
Months Reserves exceed minimum required - XXX mths reserves; XXX mths required.		   XXX.pdf
XXX.pdf		 ATR/QM: Exempt ATR/QM: Exempt XXX XXX XXX XXX XXX N/A N/A XXX
2025090421 XXX   D A D A A A A A Closed XXX XXX XXX Resolved 1 - Information C A Credit Insurance Hazard Insurance Effective Date is after the Note Date Resolved-Received Hazard Insurance Effective Date of XXX is prior to or equal to the Note Date of XXX. - Due Diligence Vendor-XXX
Ready for Review-Document Uploaded. supporting docs - Buyer-XXX
Open-Hazard Insurance Effective Date of XXX is after the Note Date of XXX Disb XXX - Due Diligence Vendor-XXX		   Resolved-Received Hazard Insurance Effective Date of XXX is prior to or equal to the Note Date of XXX. - Due Diligence Vendor-XXX
 Qualifying FICO score is at least XXX points above minimum for program - Minimum FICO is XXX; qualifying FICO is XXX.
Months Reserves exceed minimum required - XXX mths reserves; XXX mths required.		   XXX.pdf ATR/QM: Exempt ATR/QM: Exempt XXX XXX XXX XXX XXX N/A N/A XXX
2025090421 XXX   D A D A A A A A Closed XXX XXX XXX Resolved 1 - Information D A Credit Missing Doc DSCR Calculation Missing Resolved-Received DSCR Calculation - Due Diligence Vendor-XXX
Ready for Review-Document Uploaded. DSCR - Seller-XXX
Ready for Review-DSCR - Buyer-XXX
Open-The DSCR Calculation from lender is Missing. DSCR Calc is missing and no 1008 present in file to reflect ratio on. - Due Diligence Vendor-XXX		 Ready for Review-Document Uploaded. DSCR - Seller-XXX
 Resolved-Received DSCR Calculation - Due Diligence Vendor-XXX
 Qualifying FICO score is at least XXX points above minimum for program - Minimum FICO is XXX; qualifying FICO is XXX.
Months Reserves exceed minimum required - XXX mths reserves; XXX mths required.		   XXX.pdf ATR/QM: Exempt ATR/QM: Exempt XXX XXX XXX XXX XXX N/A N/A XXX
2025090408 XXX   C A C A A A A A Closed XXX XXX XXX Resolved 1 - Information C A Credit Insurance Hazard Insurance Expiration Date is before the Note Date Resolved-Upon further review, the expiration date is XXX - Due Diligence Vendor-XXX
Ready for Review-Document Uploaded. HOI - Buyer-XXX
Open-Hazard Insurance Expiration Date of XXX is prior to or equal to the Note Date of XXX XXX policy reflects expiration date of XXX (same as the effective date).  - Due Diligence Vendor-XXX		   Resolved-Upon further review, the expiration date is XXX - Due Diligence Vendor-XXX
 Qualifying FICO score is at least XXX points above minimum for program - Guidelines require XXX credit score.  Qualifying credit score is XXX.
Months Reserves exceed minimum required - Guidelines require XXX months of reserves.  Qualifying reserves are XXX months.		   XXX.pdf QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) XXX XXX XXX XXX NA N/A N/A XXX
2025090398 XXX   D A D A A A A A Closed XXX XXX XXX Resolved 1 - Information C A Credit Eligibility Audited Reserves are less than Guideline Required Reserves (Number of Months) Resolved-Received additional deposit into XXX. Audited Reserves of XXX month(s) are greater than or equal to Guideline Required Reserves of XXX month(s) - Due Diligence Vendor-XXX
Ready for Review-Document Uploaded. supporting docs - Buyer-XXX
Open-Audited Reserves of  month(s) are less than Guideline Required Reserves of XXX month(s) Provide satisfactory documentation evidencing sufficient funds to meet minImum reserve requirements.  - Due Diligence Vendor-XXX		   Resolved-Received additional deposit into XXX. Audited Reserves of XXX month(s) are greater than or equal to Guideline Required Reserves of XXX month(s) - Due Diligence Vendor-XXX
 Qualifying FICO score is at least XXX points above minimum for program - FICO: XXX Min XXX
LTV is less than guideline maximum - LTV: XXX Max XXX		   XXX.pdf ATR/QM: Exempt ATR/QM: Exempt XXX XXX XXX XXX NA N/A N/A XXX
2025090398 XXX   D A D A A A A A Closed XXX XXX XXX Resolved 1 - Information D A Credit Missing Doc Approval/Underwriting Summary Not Provided (XXX) Resolved-Received 1008 - Due Diligence Vendor-XXX
Ready for Review-Document Uploaded. 1008 - Seller-XXX
Open-Missing Approval/Underwriting Summary Missing Underwriting Transmittal Summary form 1008 - Due Diligence Vendor-XXX		 Ready for Review-Document Uploaded. 1008 - Seller-XXX
 Resolved-Received 1008 - Due Diligence Vendor-XXX
 Qualifying FICO score is at least XXX points above minimum for program - FICO: XXX Min XXX
LTV is less than guideline maximum - LTV: XXX Max XXX		   XXX.pdf ATR/QM: Exempt ATR/QM: Exempt XXX XXX XXX XXX NA N/A N/A XXX
2025090398 XXX   D A D A A A A A Closed XXX XXX XXX Resolved 1 - Information C A Credit Assets Total Qualified Assets Post-Close is Less than $XXX Resolved-Received additional deposit into XXX. - Due Diligence Vendor-XXX
Ready for Review-Document Uploaded. The $XXX Cashier's check dated XXX reflected as a $XXX withdrawal (dated XXX) from XXX account XXX - Buyer-XXX
Open-Total Qualified Assets Post-Close amount is '$-XXX'.  Assets are Insufficient. Missing evidence of $XXX XXX to offset loss/reserves/cash to close.  Borrower made several transfers of $XXX between several accounts; however, the actual XXX source is not adequately documented to factor, the cashier's check does not align or show on statements.  - Due Diligence Vendor-XXX		   Resolved-Received additional deposit into XXX. - Due Diligence Vendor-XXX
 Qualifying FICO score is at least XXX points above minimum for program - FICO: XXX Min XXX
LTV is less than guideline maximum - LTV: XXX Max XXX		   XXX.pdf ATR/QM: Exempt ATR/QM: Exempt XXX XXX XXX XXX NA N/A N/A XXX
2025090398 XXX   D A D A A A A A Closed XXX XXX XXX Resolved 1 - Information D A Credit Missing Doc DSCR Calculation Missing Resolved-Received DSCR Calculation - Due Diligence Vendor-XXX
Ready for Review-Document Uploaded. DSCR - Buyer-XXX
Open-The DSCR Calculation from lender is Missing. Missing lender's DSCR Calculation Worksheet  - Due Diligence Vendor-XXX		   Resolved-Received DSCR Calculation - Due Diligence Vendor-XXX
 Qualifying FICO score is at least XXX points above minimum for program - FICO: XXX Min XXX
LTV is less than guideline maximum - LTV: XXX Max XXX		   XXX.pdf ATR/QM: Exempt ATR/QM: Exempt XXX XXX XXX XXX NA N/A N/A XXX
2025090393 XXX   D B D A B B A A Closed XXX XXX XXX Resolved 1 - Information D A Credit Missing Doc Missing VOM or VOR Resolved-Received current statement. - Due Diligence Vendor-XXX
Ready for Review-Document Uploaded. The history on the credit report includes XXX Months reviewed through XXX, attached the Statement that shows XXX mortgage payment to complete the XXX months.  Found in the file. - Buyer-XXX
Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. Housing History Does Not Meet Guideline Requirements Credit report reflects mortgage was opened in XXX and only XXX months reviewed. No update found in file to cover a XXX month history - Due Diligence Vendor-XXX		   Resolved-Received current statement. - Due Diligence Vendor-XXX
 LTV is less than guideline maximum - Max XXX%, actual XXX%
Qualifying FICO score is at least XXX points above minimum for program - Min XXX, actual XXX
Months Reserves exceed minimum required - Min XXX months, actual XXX months		   XXX.pdf QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) XXX XXX XXX XXX XXX N/A N/A XXX
2025090393 XXX   D B D A B B A A Closed XXX XXX XXX Waived 2 - Non-Material B B Compliance Missing Doc Missing Required Affiliated Business Disclosure Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings. - Due Diligence Vendor-XXX   Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings. - Due Diligence Vendor-XXX
 LTV is less than guideline maximum - Max XXX%, actual XXX%
Qualifying FICO score is at least XXX points above minimum for program - Min XXX, actual XXX
Months Reserves exceed minimum required - Min XXX months, actual XXX months		     QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) XXX XXX XXX XXX XXX Originator Post-Close No XXX
2025090459 XXX   A A A A A A A A             A A                   Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors XXX XXX XXX XXX NA      
2025090384 XXX   D A D A A A A A Closed XXX XXX XXX Resolved 1 - Information C A Credit Eligibility Property Does Not Meet Guidelines (credit) Resolved-The removal of the basement stove does not violate any guidelines. - Due Diligence Vendor-XXX
Open-Property Issues are identified for the property XXX Family house with XXX in the basement and stive removed.  - Due Diligence Vendor-XXX		   Resolved-The removal of the basement stove does not violate any guidelines. - Due Diligence Vendor-XXX
 Qualifying FICO score is at least XXX points above minimum for program - The Borrowers FICO score is XXX; guideline minimum is XXX.
Months Reserves exceed minimum required - The Borrower has XXX months in reserves.		     QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) XXX XXX XXX XXX NA N/A N/A XXX
2025090384 XXX   D A D A A A A A Closed XXX XXX XXX Resolved 1 - Information D A Credit Missing Doc Purchase Contract is Missing Resolved-Received Purchase Contract. - Due Diligence Vendor-XXX
Ready for Review-Document Uploaded. contract - Buyer-XXX
Open-Loan Purpose is Purchase but Purchase Contract is Missing. Missing full Contract.  Amendment on page XXX.  - Due Diligence Vendor-XXX		   Resolved-Received Purchase Contract. - Due Diligence Vendor-XXX
 Qualifying FICO score is at least XXX points above minimum for program - The Borrowers FICO score is XXX; guideline minimum is XXX.
Months Reserves exceed minimum required - The Borrower has XXX months in reserves.		   XXX.pdf QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) XXX XXX XXX XXX NA N/A N/A XXX
2025090400 XXX   D A D A A A A A Closed XXX XXX XXX Resolved 1 - Information D A Credit Missing Doc - Credit Business Purpose Affidavit/Disclosure Missing Resolved-Received XXX. - Due Diligence Vendor-XXX
Ready for Review-Document Uploaded. supporting docs - Buyer-XXX
Open-The Business Purpose Affidavit Disclosure is Missing The Business Purpose Affidavit is missing from the loan file. - Due Diligence Vendor-XXX		   Resolved-Received Business Purp Affidavit. - Due Diligence Vendor-XXX
 LTV is less than guideline maximum - Maximum LTV is XXX%, Subject loan LTV is XXX%
Qualifying FICO score is at least XXX points above minimum for program - Minimum FICO is XXX, qualifying score is XXX		   XXX.pdf ATR/QM: Exempt ATR/QM: Exempt XXX XXX XXX XXX NA N/A N/A XXX
2025090400 XXX   D A D A A A A A Closed XXX XXX XXX Resolved 1 - Information D A Credit Missing Doc DSCR Calculation Missing Resolved-Received DSCR calculation - Due Diligence Vendor-XXX
Ready for Review-Document Uploaded. DSCR worksheet - Buyer-XXX
Open-The DSCR Calculation from lender is Missing. DSCR Calculation document is missing from the file. - Due Diligence Vendor-XXX		   Resolved-Received DSCR calculation - Due Diligence Vendor-XXX
 LTV is less than guideline maximum - Maximum LTV is XXX%, Subject loan LTV is XXX%
Qualifying FICO score is at least XXX points above minimum for program - Minimum FICO is XXX, qualifying score is XXX		   XXX.pdf ATR/QM: Exempt ATR/QM: Exempt XXX XXX XXX XXX NA N/A N/A XXX
2025090415 XXX   A A A A A A A A             A A                   ATR/QM: Exempt ATR/QM: Exempt XXX XXX XXX XXX NA      
2025090395 XXX   D A D A A A A A Closed XXX XXX XXX Resolved 1 - Information D A Credit Missing Doc Guaranty Agreement Missing Resolved-Upon further review note is signed as an individual and as a member. - Due Diligence Vendor-XXX
Open-The Subject Loan is a Business Purpose Loan but the XXX  Doc is 'Missing'. Missing from loan files - Due Diligence Vendor-XXX		   Resolved-Upon further review note is signed as an individual and as a member. - Due Diligence Vendor-XXX
 Months Reserves exceed minimum required - Min XXX months, actual XXX months
LTV is less than guideline maximum - Max XXX%, actual XXX%
Qualifying FICO score is at least XXX points above minimum for program - Min XXX, actual XXX
DSCR % greater than XXX - Actual XXX		     ATR/QM: Exempt ATR/QM: Exempt XXX XXX XXX XXX XXX N/A N/A XXX
2025090389 XXX   C A C A A A A A Closed XXX XXX XXX Resolved 1 - Information C A Credit Eligibility Loan does not conform to program guidelines Resolved-Per client, reviewed as XXX years full doc. Review did not include wages for b1 at the medical center as it was not need and the documentation was insufficient.  - Due Diligence Vendor-XXX
Ready for Review-Document Uploaded. Supporting docs - Buyer-XXX
Open-Loan submitted as XXX months bank statements for B1 but includes full personal and business income documentation for B1 (XXX years personal & business tax returns. Paystubs, W2, prior year and YTD P*&L.)  Loans submitted under the alternative documentation programs may not contain full documentation of income.   - Due Diligence Vendor-XXX		   Resolved-Per client, reviewed as XXX years full doc. Review did not include wages for XXX at the medical center as it was not need and the documentation was insufficient.  - Due Diligence Vendor-XXX
 Qualifying FICO score is at least XXX points above minimum for program - XXX FICO, XXX required
LTV is less than guideline maximum - XXX% LTV, program allows XXX%.  		   XXX.pdf
XXX.pdf
XXX.pdf		 QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) XXX XXX XXX XXX NA N/A N/A XXX
2025090389 XXX   C A C A A A A A Closed XXX XXX XXX Resolved 1 - Information C A Credit Income/Employment Income and Employment Do Not Meet Guidelines Resolved-Received tax returns. Income and Employment Meet Guidelines - Due Diligence Vendor-XXX
Ready for Review-Document Uploaded. Supporting docs - Buyer-XXX
Open-Income and Employment Do Not Meet Guidelines Loan submitted as XXX months bank statements for B1 & full doc for B2-file contains full documentation for both borrowers.  Confirmation received that loan is XXX months statements. -Income calculation not performed due to having full income documentation in file.  (XXX years personal & business tax returns. Paystubs, W2, prior year and YTD P*&L. ) - Due Diligence Vendor-XXX		   Resolved-Received tax returns. Income and Employment Meet Guidelines - Due Diligence Vendor-XXX
 Qualifying FICO score is at least XXX points above minimum for program - XXX FICO, XXX required
LTV is less than guideline maximum - XXX% LTV, program allows XXX%.  		   XXX.pdf
XXX.pdf
XXX.pdf		 QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) XXX XXX XXX XXX NA N/A N/A XXX
2025090407 XXX   C B C B A A A A Closed XXX XXX XXX Waived 2 - Non-Material C B Credit Eligibility Housing History Does Not Meet Guideline Requirements Waived-Client provided a waiver  <XXX months housing history applied to non material finding with comp factors  - Due Diligence Vendor-XXX
Ready for Review-Document Uploaded. Re-approval email - Buyer-XXX
Counter-Received client waiver emailed-stipulating loan must be locked within XXX business day of XXX Confirm lock date and exception remains valid.  - Due Diligence Vendor-XXX
Ready for Review-Document Uploaded. EXCEPTION approval - Buyer-XXX
Open-Housing History Does Not Meet Guideline Requirements XXX: Borrower does not currently have a housing history.
Client exception in file but no email to support.  - Due Diligence Vendor-XXX		   Waived-Client provided a waiver  <XXX months housing history applied to non material finding with comp factors  - Due Diligence Vendor-XXX
 LTV is less than guideline maximum - XXX% LTV, program allows XXX%
Verified employment history exceeds guidelines - XXX years on current job
Borrower down payment exceeds minimum require - -Borrower has been living rent free with parent to save and put XXX% down payment on subject.
Residual Income =/> XXX times $XXX monthly residual income - -Residual income XXX the required amount.
Months Reserves exceed minimum required - Post closing reserves > XXX the min required		 Employment-XXX years on job
XXX% LTV, program allows XXX%		 XXX.pdf
XXX.pdf		 QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) XXX XXX XXX XXX NA Investor Post-Close No XXX
2025090407 XXX   C B C B A A A A Closed XXX XXX XXX Resolved 1 - Information C A Credit Closing Borrower 1 XXX Credit Report is Expired (Greater than XXX Days from Closing/Settlement Date) Resolved-XXX provided dated XXX. - Due Diligence Vendor-XXX
Ready for Review-Document Uploaded. soft pull dated XXX - Buyer-XXX
Open-Borrower XXX Credit Report is Expired (Greater than XXX days from Closing/Settlement Date). XXX is not within XXX days  - Due Diligence Vendor-XXX		   Resolved-XXX provided dated XXX. - Due Diligence Vendor-XXX
 LTV is less than guideline maximum - XXX% LTV, program allows XXX%
Verified employment history exceeds guidelines - XXX years on current job
Borrower down payment exceeds minimum require - -Borrower has been living rent free with parent to save and put XXX% down payment on subject.
Residual Income =/> XXX times $XXX monthly residual income - -Residual income XXX the required amount.
Months Reserves exceed minimum required - Post closing reserves > XXX the min required		   XXX.pdf QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) XXX XXX XXX XXX NA N/A N/A XXX
2025090461 XXX   D A D A A A C A Closed XXX XXX XXX Resolved 1 - Information C A Property Appraisal Unsupported adjustments or comps Resolved-Upon further review, subject is a XXX property and value is support by CDA - Due Diligence Vendor-XXX
Open-All XXX comparables have gross adjustments over XXX% - Due Diligence Vendor-XXX		   Resolved-Upon further review, subject is a XXX property and value is support by XXX - Due Diligence Vendor-XXX
 Qualifying DTI below maximum allowed - Max XXX%, actual XXX%
LTV is less than guideline maximum - Max XXX%, actual XXX%
Qualifying FICO score is at least XXX points above minimum for program - Min XXX, actual XXX
Months Reserves exceed minimum required - XXX required, XXX months		     QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) XXX XXX XXX XXX XXX N/A N/A XXX
2025090461 XXX   D A D A A A C A Closed XXX XXX XXX Resolved 1 - Information D A Credit Missing Doc Borrower 1 Bank Statement Summary/Lender Worksheet is Missing Resolved-Received originators business bank statement analysis.  - Due Diligence Vendor-XXX
Ready for Review-Document Uploaded. Bank statement summary worksheet - Buyer-XXX
Open-The Borrower 1 Bank Statement Summary/Lender Worksheet is Missing Missing income worksheet - Due Diligence Vendor-XXX		   Resolved-Received originators business bank statement analysis.  - Due Diligence Vendor-XXX
 Qualifying DTI below maximum allowed - Max XXX%, actual XXX%
LTV is less than guideline maximum - Max XXX%, actual XXX%
Qualifying FICO score is at least XXX points above minimum for program - Min XXX, actual XXX
Months Reserves exceed minimum required - XXX required, XXX months		   XXX.pdf QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) XXX XXX XXX XXX XXX N/A N/A XXX
2025090405 XXX   C A A A A A C A Closed XXX XXX XXX Resolved 1 - Information C A Property Property Missing documentation of warrantability Resolved-Received copy of XXX - Due Diligence Vendor-XXX
Ready for Review-Document Uploaded. CPM - Buyer-XXX
Counter-1008 reflects CPM-please provide CPM approval.  - Due Diligence Vendor-XXX
Ready for Review-Document Uploaded. 1008 with XXX warrantability noted. - Buyer-XXX
Open-Missing documentation of warrantability.  1008 does not reflect warrantability status on XXX. - Due Diligence Vendor-XXX		   Resolved-Received copy of XXX - Due Diligence Vendor-XXX
 Qualifying DTI below maximum allowed - Max DTI is XXX%; qualifying DTI is XXX%.
Months Reserves exceed minimum required - Months reserves required is XXX; qualifying reserves is XXX months.		   XXX.pdf
XXX.pdf		 Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors XXX XXX XXX XXX NA N/A N/A XXX
2025090397 XXX   A A A A A A A A             A A                   QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) XXX XXX XXX XXX XXX      
2025090448 XXX   D A A A A A D A Closed XXX XXX XXX Resolved 1 - Information D A Property Missing Doc Secondary Valuation or Additional Valuation has not been entered per securitization requirements Resolved-Received acceptable secondary valuation product. - Due Diligence Vendor-XXX
Ready for Review-Document Uploaded. Score at XXX and under no CDA or Field Review required. - Buyer-XXX
Open-Additional valuation product has not been provided.  Appraisal reviews are required for all loan amounts. - Due Diligence Vendor-XXX		   Resolved-Received acceptable secondary valuation product. - Due Diligence Vendor-XXX
 Qualifying FICO score is at least XXX points above minimum for program - XXX FICO, XXX required
Months Reserves exceed minimum required - XXX months reserves, XXX months required		   XXX.pdf ATR/QM: Exempt ATR/QM: Exempt XXX XXX XXX XXX XXX N/A N/A XXX
2025090391 XXX   C B C B A A A A Closed XXX XXX XXX Waived 2 - Non-Material C B Credit Eligibility Housing History Does Not Meet Guideline Requirements Waived-Client waiver applied to non-material finding with compensating factors.  Accepting an XXX month housing history for the borrower. - Due Diligence Vendor-XXX
Counter-Exception approval provided, however we are unable to waive without XXX verifiable compensating factors. - Due Diligence Vendor-XXX
Ready for Review-Document Uploaded. Exception Request & Approval Docs - Buyer-XXX
Open-Housing History Does Not Meet Guideline Requirements Borrower XXX living rent free with parent in past XXX months.  Borrowers living rent-free with any person other than a non-borrowing spouse are not eligible and may only be considered on an exception basis. Lender exception in file - Due Diligence Vendor-XXX		   Waived-Client waiver applied to non-material finding with compensating factors.  Accepting an XXX month housing history for the borrower. - Due Diligence Vendor-XXX
 Qualifying FICO score is at least XXX points above minimum for program - XXX Fico, XXX required XXX% DTI
XXX fico score
$XXX residual income
low credit usage		 XXX.pdf
XXX.pdf		 QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) XXX XXX XXX XXX NA Investor Post-Close No XXX
2025090382 XXX   C B C A B B A A Closed XXX XXX XXX Resolved 1 - Information C A Credit Closing Issues exist on the Mortgage Document (Deed of Trust) Resolved-Received complete security instrument inclusive of legal description.
 - Due Diligence Vendor-XXX
Ready for Review-Document Uploaded. supporting docs - Buyer-XXX
Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. ----Missing legal description of property, Exhibit A
 - Due Diligence Vendor-XXX		   Resolved-Received complete security instrument inclusive of legal description.
 - Due Diligence Vendor-XXX
 Months Reserves exceed minimum required - XXX months reserves documented, XXX months required
Qualifying FICO score is at least XXX points above minimum for program - XXX fico. XXX required		   XXX.pdf Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors XXX XXX XXX XXX XXX N/A N/A XXX
2025090382 XXX   C B C A B B A A Closed XXX XXX XXX Waived 2 - Non-Material B B Compliance Missing Doc Missing Required Affiliated Business Disclosure Waived-Required Affiliated Business Disclosure Missing ----- Client waiver applied to non-material Findings.
 - Due Diligence Vendor-XXX		   Waived-Required Affiliated Business Disclosure Missing ----- Client waiver applied to non-material Findings.
 - Due Diligence Vendor-XXX
 Months Reserves exceed minimum required - XXX months reserves documented, XXX months required
Qualifying FICO score is at least XXX points above minimum for program - XXX fico. XXX required		     Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors XXX XXX XXX XXX XXX Investor Post-Close No XXX
2025090379 XXX   D B D A B B A A Closed XXX XXX XXX Resolved 1 - Information D A Credit Missing Doc Missing verification of taxes, insurance, and/or HOA fees for non-subject property Resolved-HOI for departing provided. - Due Diligence Vendor-XXX
Ready for Review-Document Uploaded. XXX HOI - Buyer-XXX
Open-Missing HOI policy for property XXX - Due Diligence Vendor-XXX		   Resolved-XXX for departing provided. - Due Diligence Vendor-XXX
 LTV is less than guideline maximum - Max XXX%, actual XXX%
Qualifying FICO score is at least XXX points above minimum for program - Min XXX, actual XXX
Qualifying DTI below maximum allowed - Max XXX%, actual XXX%
Months Reserves exceed minimum required - Min XXX months, actual XXX months		   XXX.pdf QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) XXX XXX XXX XXX NA N/A N/A XXX
2025090379 XXX   D B D A B B A A Closed XXX XXX XXX Resolved 1 - Information C A Credit QM-ATR Invalid Final QM Status - ATR/QM: Status Pending Resolved-The Final Reviewed QM Status is acceptable or the loan is a Business Purpose loan. - Due Diligence Vendor-XXX
Ready for Review-Document Uploaded. XXX HOI - Buyer-XXX
Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Missing income documents - Due Diligence Vendor-XXX		   Resolved-The Final Reviewed QM Status is acceptable or the loan is a Business Purpose loan. - Due Diligence Vendor-XXX
 LTV is less than guideline maximum - Max XXX%, actual XXX%
Qualifying FICO score is at least XXX points above minimum for program - Min XXX, actual XXX
Qualifying DTI below maximum allowed - Max XXX%, actual XXX%
Months Reserves exceed minimum required - Min XXX months, actual XXX months		   XXX.pdf QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) XXX XXX XXX XXX NA N/A N/A XXX
2025090379 XXX   D B D A B B A A Closed XXX XXX XXX Resolved 1 - Information D A Credit Missing Doc Borrower 1 XXX Credit Report is Missing Resolved-Borrower XXX Credit Report is not missing. - Due Diligence Vendor-XXX
Ready for Review-Document Uploaded. Credit report dated XXX is less than XXX days from closing. Please clear condition. - Buyer-XXX
Open-Borrower XXX Credit Report is Missing Missing from loan file - Due Diligence Vendor-XXX		   Resolved-Borrower 1 XXX Credit Report is not missing. - Due Diligence Vendor-XXX
 LTV is less than guideline maximum - Max XXX%, actual XXX%
Qualifying FICO score is at least XXX points above minimum for program - Min XXX, actual XXX
Qualifying DTI below maximum allowed - Max XXX%, actual XXX%
Months Reserves exceed minimum required - Min XXX months, actual XXX months		   XXX.pdf QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) XXX XXX XXX XXX NA N/A N/A XXX
2025090379 XXX   D B D A B B A A Closed XXX XXX XXX Waived 2 - Non-Material B B Compliance Missing Doc XXX is Missing Waived-The XXX disclosure is missing. Client Waiver applied to non-material Findings.  - Due Diligence Vendor-XXX   Waived-The XXX disclosure is missing. Client Waiver applied to non-material Findings.  - Due Diligence Vendor-XXX
 LTV is less than guideline maximum - Max XXX%, actual XXX%
Qualifying FICO score is at least XXX points above minimum for program - Min XXX, actual XXX
Qualifying DTI below maximum allowed - Max XXX%, actual XXX%
Months Reserves exceed minimum required - Min XXX months, actual XXX months		     QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) XXX XXX XXX XXX NA Investor Post-Close No XXX
2025090387 XXX   A A A A A A A A             A A             LTV is less than guideline maximum - Max XXX%, actual XXX%
Qualifying FICO score is at least XXX points above minimum for program - Min XXX, actual XXX
Qualifying DTI below maximum allowed - Max XXX%, actual XXX%
Months Reserves exceed minimum required - Min XXX months, actual XXX months		     QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) XXX XXX XXX XXX NA      
2025090449 XXX   C A A A C A A A Closed XXX XXX XXX Resolved 1 - Information C A Compliance TRID XXX: Closing Disclosure not received by the borrower XXX days prior to consummation Resolved-Received CD XXXwith disclosure tracking confirming same day delivery. - Due Diligence Vendor-XXX
Ready for Review-Document Uploaded. supporting docs - Buyer-XXX
Ready for Review-Document Uploaded.  - Buyer-XXX
Open-Missing initial CD and evidence of borrower receipt a minimum of XXX days prior to consummation - Due Diligence Vendor-XXX		   Resolved-Received CD XXX with disclosure tracking confirming same day delivery. - Due Diligence Vendor-XXX
     XXX.pdf
XXX.pdf
XXX.pdf
XXX.pdf		 QM: Higher Priced APOR (APOR HP) QM: Higher Priced APOR (APOR HP) XXX XXX XXX XXX NA N/A N/A XXX
2025090365 XXX   A A A A A A A A             A A             Months Reserves exceed minimum required - Months reserves required is XXX; qualifying reserves is XXX months.
Qualifying FICO score is at least XXX points above minimum for program - Minimum FICO is XXX; qualifying FICO is XXX.		     ATR/QM: Exempt ATR/QM: Exempt XXX XXX XXX XXX XXX      
2025090451 XXX   A A A A A A A A             A A                   QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) XXX XXX XXX XXX NA      
2025090386 XXX   B B A A B B A A Closed XXX XXX XXX Waived 2 - Non-Material B B Compliance Missing Doc XXX is Missing Waived-The XXX disclosure is missing. Client waiver applied to non-material findings.  - Due Diligence Vendor-XXX   Waived-The XXX disclosure is missing. Client waiver applied to non-material findings.  - Due Diligence Vendor-XXX
       Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors XXX XXX XXX XXX NA Investor Post-Close No XXX
2025090418 XXX   C A C A A A A A Closed XXX XXX XXX Resolved 1 - Information C A Credit Eligibility File does not contain LOX for credit inquiries Resolved-Received LOE - Due Diligence Vendor-XXX
Ready for Review-Document Uploaded. See attached signed Credit Report inquiry letter
 - Buyer-XXX
Open-LOX for credit inquiries is missing.  LOX for credit inquiries is missing from the file - Due Diligence Vendor-XXX		   Resolved-Received XXX - Due Diligence Vendor-XXX
 Residual Income =/> XXX times $XXX monthly residual income - Borrowers have $XXX in residual monthly income, minimum required is $XXX.
Months Reserves exceed minimum required - Borrowers verified XXX months of qualifying PITIA reserves, minimum XXX months required.		   XXX.pdf QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) XXX XXX XXX XXX NA N/A N/A XXX
2025090401   XXX D B D B A A A A Closed XXX XXX XXX Waived 2 - Non-Material C B Credit Assets Asset XXX Less Than XXX Months Verified Waived-Originator exception granted to allow < XXX months statements. Non-material waiver applied to finding with compensating factors. - Due Diligence Vendor-XXX
Ready for Review-Document Uploaded.  - Seller-XXX
Open-Asset XXX Less Than XXX Months Verified File is missing XXX Month Statement for Acct #XXX - Waiving XXX requires XXX Months Reserves - Due Diligence Vendor-XXX		 Ready for Review-Document Uploaded.  - Seller-XXX
 Waived-Originator exception granted to allow < XXX months statements. Non-material waiver applied to finding with compensating factors. - Due Diligence Vendor-XXX
 Qualifying DTI below maximum allowed - XXX% DTI below max of XXX%
Qualifying FICO score is at least XXX points above minimum for program - Minimum FICO is XXX, qualifying score is XXX
Months Reserves exceed minimum required - XXX mos reserves; XXX mos required
LTV is less than guideline maximum - Maximum LTV is XXX%, subject loan is XXX%		 LTV,,XXX%, XXX% < XXX% max
FICO, XXX, XXX > XXX min
DTI, XXX%, XXX% < XXX% max		 XXX.pdf Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors XXX XXX XXX XXX XXX Originator Post-Close Yes XXX
2025090401   XXX D B D B A A A A Closed XXX XXX XXX Waived 2 - Non-Material C B Credit Assets Asset XXX Less Than XXX Months Verified Waived-Originator exception granted to allow < XXX month bank statement. Non-material waiver applied to finding with compensating factors. - Due Diligence Vendor-XXX
Ready for Review-Document Uploaded.  - Seller-XXX
Open-Asset XXX Less Than XXX Months Verified File is missing XXX Month Statement for XXX - Waiving XXX requires XXX Months Reserves - Due Diligence Vendor-XXX		 Ready for Review-Document Uploaded.  - Seller-XXX
 Waived-Originator exception granted to allow < XXX month bank statement. Non-material waiver applied to finding with compensating factors. - Due Diligence Vendor-XXX
 Qualifying FICO score is at least XXX points above minimum for program - FICO = XXX     Min FICO = XXX
LTV is less than guideline maximum - LTV = XXX% - Max LTV = XXX%		 LTV,,XXX%, XXX% < XXX% max
FICO, XXX, XXX > XXX min
DTI, XXX%, XXX% < XXX% max		 XXX.pdf Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors XXX XXX XXX XXX XXX Originator Post-Close N/A XXX
2025090401   XXX D B D B A A A A Closed XXX XXX XXX Resolved 1 - Information D A Credit Missing Doc Missing Letter of Explanation (Income) Resolved-Guidelines indicates an LOX may be required. - Due Diligence Vendor-XXX
Open-File is missing Letter of Explanation for NSFs on Bank Statements (Income) - Due Diligence Vendor-XXX		   Resolved-Guidelines indicates an XXX may be required. - Due Diligence Vendor-XXX
 Qualifying FICO score is at least XXX points above minimum for program - FICO = XXX     Min FICO = XXX
LTV is less than guideline maximum - LTV = XXX% - Max LTV = XXX%		     Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors XXX XXX XXX XXX XXX N/A N/A XXX
2025090450 XXX   D A D A A A D A Closed XXX XXX XXX Resolved 1 - Information C A Credit Eligibility Audited FICO is less than Guideline FICO Resolved-Upon further review audited FICO of XXX is greater than or equal to Guideline FICO of XXX - Due Diligence Vendor-XXX
Counter-Loan was submitted and reviewed to Institutional eXperienced Investor Program 2XXX.  Minimum FICO is XXX for DSCR < XXX.  - Due Diligence Vendor-XXX
Ready for Review-Document Uploaded. UW used the Market rent of XXX not the actually rent of XXX, the rent of XXX is what is on the DSCr worksheet
 - Seller-XXX
Counter-Documentation is insufficient-DSCR calculation is below XXX requiring XXX fico-finding remains.   - Due Diligence Vendor-XXX
Ready for Review-Document Uploaded. UW memo shows over XXX - Seller-XXX
Open-Audited FICO of XXX is less than Guideline FICO of XXX Credit score minimum for DSCR >XXX is XXX, borrower's qualifying credit score is XXX per credit report.  - Due Diligence Vendor-XXX		 Ready for Review-Document Uploaded. UW used the Market rent of XXX not the actually rent of XXX, the rent of XXX is what is on the DSCr worksheet
 - Seller-XXX
 Ready for Review-Document Uploaded. UW XXX shows over XXX - Seller-XXX
 Resolved-Upon further review audited FICO of XXX is greater than or equal to Guideline FICO of XXX - Due Diligence Vendor-XXX
 Qualifying FICO score is at least XXX points above minimum for program - FICO = XXX     Min FICO = XXX
LTV is less than guideline maximum - LTV = XXX% - Max LTV = XXX%		   XXX.pdf
XXX.pdf
XXX.pdf
XXX.pdf		 ATR/QM: Exempt ATR/QM: Exempt XXX XXX XXX XXX XXX N/A N/A XXX
2025090450 XXX   D A D A A A D A Closed XXX XXX XXX Resolved 1 - Information C A Credit Eligibility Calculated DSCR does not meet the Minimum DSCR allowed Resolved-Upon further review the qualifying terms in the system were corrected. The DSCR is XXX. - Due Diligence Vendor-XXX
Ready for Review-Document Uploaded. UW memo shows over XXX - Seller-XXX
Open-The Calculated DSCR of 'XXX' is less than the minimum DSCR per lender guidelines of 'XXX'. Loan does not meet minimum criteria for reduced DSCR of >XXX, which requires a qualifying credit score of no less than XXX for a cash out transaction, borrower's median credit is XXX. Note, auditor used market rent for calculation, as  lease and XXX months rent receipts were not provided to support using tenant lease amount.  - Due Diligence Vendor-XXX		 Ready for Review-Document Uploaded. XXX XXX shows over XXX - Seller-XXX
 Resolved-Upon further review the qualifying terms in the system were corrected. The DSCR is XXX. - Due Diligence Vendor-XXX
 LTV is less than guideline maximum - LTV XXX% is less than guideline maximum XXX%

Months Reserves exceed minimum required - Reserves:XXX		   XXX.pdf
XXX.pdf
XXX.pdf		 ATR/QM: Exempt ATR/QM: Exempt XXX XXX XXX XXX XXX N/A N/A XXX
2025090450 XXX   D A D A A A D A Closed XXX XXX XXX Resolved 1 - Information D A Credit Missing Doc DSCR Calculation Missing Resolved-DSCR calc provided. - Due Diligence Vendor-XXX
Counter-XXX Note provided.  Qualifying P&I is $XXX. (Start Rate at Fully Amortized Payment) The Calculated DSCR of 'XXX' is less than the minimum DSCR per lender guidelines of 'XXX'. - Due Diligence Vendor-XXX
Ready for Review-Document Uploaded. borrower score is over XXX for XXX score DSCR is over XXX
 - Buyer-XXX
Counter-Received DSCR calculation-subject P&I is incorrect-$XXX.  Please provide correct DSCR calculation.  - Due Diligence Vendor-XXX
Ready for Review-Document Uploaded. DSCR worksheet showing over XXX - Seller-XXX
Open-The DSCR Calculation from lender is Missing. Missing lender's DSCR Calculation Worksheet or 1008 showing calculation.  - Due Diligence Vendor-XXX		 Ready for Review-Document Uploaded. DSCR worksheet showing over XXX - Seller-XXX
 Resolved-DSCR calc provided. - Due Diligence Vendor-XXX
 LTV is less than guideline maximum - LTV XXX% is less than guideline maximum XXX%

Months Reserves exceed minimum required - Reserves:XXX		   XXX.pdf
XXX.pdf		 ATR/QM: Exempt ATR/QM: Exempt XXX XXX XXX XXX XXX N/A N/A XXX
2025090450 XXX   D A D A A A D A Closed XXX XXX XXX Resolved 1 - Information C A Credit Eligibility Loan does not conform to program guidelines Resolved-The qualifying terms in the system were corrected. The DSCR is XXX. - Due Diligence Vendor-XXX
Counter-XXX Note provided.  Qualifying P&I is $XXX. (Start Rate at Fully Amortized Payment) The Calculated DSCR of 'XXX' is less than the minimum DSCR per lender guidelines of 'XXX'. - Due Diligence Vendor-XXX
Ready for Review-Document Uploaded. final CD shows that interest rate is XXX like on the DSCR worksheet the monthly XXX matches DSCR worksheet and PITI matches both DSCR worksheet and FInal CD - Buyer-XXX
Counter-Documentation is insufficient.  DSCR is below XXX-DSCR calculation received reflects incorrect P&I.  Finding remains.  - Due Diligence Vendor-XXX
Ready for Review-Document Uploaded. UW memo shows over XXX - Seller-XXX
Open-Loan does not meet guideline parameters for DSCR with DSCR < XXX - Interest only not permitted.  - Due Diligence Vendor-XXX		 Ready for Review-Document Uploaded. XXX XXX shows over XXX - Seller-XXX
 Resolved-The qualifying terms in the system were corrected. The DSCR is XXX. - Due Diligence Vendor-XXX
 LTV is less than guideline maximum - LTV XXX% is less than guideline maximum XXX%

Months Reserves exceed minimum required - Reserves:XXX		   XXX.pdf
XXX.pdf
XXX.pdf		 ATR/QM: Exempt ATR/QM: Exempt XXX XXX XXX XXX XXX N/A N/A XXX
2025090450 XXX   D A D A A A D A Closed XXX XXX XXX Resolved 1 - Information D A Credit Missing Doc Closing Detail Statement Document is Missing Resolved-Received CD and Interest Only Note. - Due Diligence Vendor-XXX
Ready for Review-Document Uploaded. final CD shows that interest rate is XXX like on the DSCR worksheet the monthly XXX matches DSCR worksheet and PITI matches both DSCR worksheet and FInal CD - Seller-XXX
Open-Closing Detail Statement Document is Missing and subject property is an Investment property. CD in the file reflects Intertest Only - the note does not reflect interest only or an interest only payment.  - Due Diligence Vendor-XXX		 Ready for Review-Document Uploaded. final CD shows that interest rate is XXX like on the DSCR worksheet the monthly XXX matches DSCR worksheet and PITI matches both DSCR worksheet and FInal CD - Seller-XXX
 Resolved-Received CD and Interest Only Note. - Due Diligence Vendor-XXX
 LTV is less than guideline maximum - LTV XXX% is less than guideline maximum XXX%

Months Reserves exceed minimum required - Reserves:XXX		   XXX.pdf ATR/QM: Exempt ATR/QM: Exempt XXX XXX XXX XXX XXX N/A N/A XXX
2025090450 XXX   D A D A A A D A Closed XXX XXX XXX Resolved 1 - Information C A Credit Closing Issues exist on the Note Document Resolved-Received Interest Only Note. - Due Diligence Vendor-XXX
Ready for Review-Document Uploaded. Initial XXX account disclosure and XXX Note / Allonge to Promissory Note

 - Buyer-XXX
Open-There are Issues Present on the Note that must be addressed. Verbiage on Note does not reflect an Interest Only Period however, final CD and tape state IO period.
  - Due Diligence Vendor-XXX		   Resolved-Received Interest Only Note. - Due Diligence Vendor-XXX
 LTV is less than guideline maximum - LTV XXX% is less than guideline maximum XXX%

Months Reserves exceed minimum required - Reserves:XXX		   XXX.pdf
XXX.pdf
XXX.pdf		 ATR/QM: Exempt ATR/QM: Exempt XXX XXX XXX XXX XXX N/A N/A XXX
2025090450 XXX   D A D A A A D A Closed XXX XXX XXX Resolved 1 - Information D A Property Missing Doc Secondary Valuation or Additional Valuation has not been entered per securitization requirements Resolved-Received acceptable secondary valuation. - Due Diligence Vendor-XXX
Ready for Review-Document Uploaded. XXX score XXX
 - Buyer-XXX
Open-Additional valuation product has not been provided.  Missing Secondary valuation from approved vendor with acceptable scores, i.e. XXX, XXX, XXX, XXX, etc. which supports appraised value.  - Due Diligence Vendor-XXX		   Resolved-Received acceptable secondary valuation. - Due Diligence Vendor-XXX
 LTV is less than guideline maximum - LTV XXX% is less than guideline maximum XXX%

Months Reserves exceed minimum required - Reserves:XXX		   XXX.pdf ATR/QM: Exempt ATR/QM: Exempt XXX XXX XXX XXX XXX N/A N/A XXX
2025090374 XXX   C B C B A A A A Closed XXX XXX XXX Waived 2 - Non-Material C B Credit Eligibility Housing History Does Not Meet Guideline Requirements Waived-Document Uploaded. Client waiver applied to non-material finding with compensating factors.  Waiving rent free letter. - Due Diligence Vendor-XXX
Counter-Exception provided for < XXX months housing history provided, however we are missing the Rent Free Letter from the spouse. - Due Diligence Vendor-XXX
Ready for Review-Document Uploaded. Exception Request - Buyer-XXX
Open-Housing History Does Not Meet Guideline Requirements Borrower has no housing history.  Mortgage is in spouse's name; however, the loan file is missing a rent free letter and does not own other REO with a XXX month housing history.  Guideline - Borrowers who live rent free at their primary residence are not considered ineligible if they are an Experienced Investor that owns other REO that meets the
XXX-month housing history requirement as documented by acceptable mortgage payment history or free and clear ownership. A “rent-free” letter of explanation from the homeowner is required. Borrowers who do not have a complete XXX-month housing history are ineligible for the program.  - Due Diligence Vendor-XXX		   Waived-Document Uploaded. Client waiver applied to non-material finding with compensating factors.  Waiving rent free letter. - Due Diligence Vendor-XXX
 LTV is less than guideline maximum - LTV XXX% is less than guideline maximum XXX%

Months Reserves exceed minimum required - Reserves:XXX		 XXX fico
over XXX months of reserves
XXX% LTV ratio		 XXX.pdf
XXX.pdf
XXX.pdf		 ATR/QM: Exempt ATR/QM: Exempt XXX XXX XXX XXX NA Investor Post-Close No XXX
2025090362 XXX   C A C A A A A A Closed XXX XXX XXX Resolved 1 - Information C A Credit Assets Asset Qualification Does Not Meet Guideline Requirements Resolved-Received business documentation. - Due Diligence Vendor-XXX
Ready for Review-Supporting Docs Uploaded - Buyer-XXX
Open-Asset Qualification Does Not Meet Guideline Requirements Missing corporate documentation for XXX. which confirms borrower's permissible access and use of account.  - Due Diligence Vendor-XXX		   Resolved-Received business documentation. - Due Diligence Vendor-XXX
 LTV is less than guideline maximum - Max XXX%, actual XXX%
Qualifying FICO score is at least XXX points above minimum for program - MIn XXX, actual XXX
Months Reserves exceed minimum required - Min XXX, actual XXX months		     ATR/QM: Exempt ATR/QM: Exempt XXX XXX XXX XXX XXX N/A N/A XXX
2025090362 XXX   C A C A A A A A Closed XXX XXX XXX Resolved 1 - Information C A Credit Title Property Title Issue Resolved-Received business documentation and Deed Transfer. - Due Diligence Vendor-XXX
Ready for Review-Document Uploaded. Supporting Docs Uploaded - Buyer-XXX
Open-Property Title Issue Title is currently vested in another entity, not borrower's disclosed LLC:
(XXX) Missing corporate documents for vested title holder XXX. Inc. to confirming business ownership; and borrower's legal permission to transact on it's behalf.  
(XXX) Missing executed deed from XXX Inc. transferring title  to XXX.  - Due Diligence Vendor-XXX		   Resolved-Received business documentation and Deed Transfer. - Due Diligence Vendor-XXX
 LTV is less than guideline maximum - LTV:XXX

Long term residence - Borrower own primary residence from the past XXX years.		   XXX.pdf
XXX.pdf
XXX.pdf		 ATR/QM: Exempt ATR/QM: Exempt XXX XXX XXX XXX XXX N/A N/A XXX
2025090358 XXX   D A D A A A A A Closed XXX XXX XXX Resolved 1 - Information D A Credit Missing Doc Secondary Valuation product is dated prior to the Appraisal date Resolved-Received acceptable secondary valuation. - Due Diligence Vendor-XXX
Ready for Review-Document Uploaded. supporting docs - Buyer-XXX
Open-One or more of the additional valuation products were completed prior to the Primary Valuation product date. Desk Review completed on XXX. - Due Diligence Vendor-XXX		   Resolved-Received acceptable secondary valuation. - Due Diligence Vendor-XXX
 LTV is less than guideline maximum - LTV:XXX

Long term residence - Borrower own primary residence from the past XXX years.		   XXX.pdf ATR/QM: Exempt ATR/QM: Exempt XXX XXX XXX XXX XXX N/A N/A XXX
2025090358 XXX   D A D A A A A A Closed XXX XXX XXX Resolved 1 - Information C A Credit Closing Borrower 1 XXX Credit Report is Expired (Greater than XXX Days from Closing/Settlement Date) Resolved-Received XXX Report. - Due Diligence Vendor-XXX
Ready for Review-Document Uploaded. Supporting docs - Buyer-XXX
Open-Borrower XXX Credit Report is Expired (Greater than XXX days from Closing/Settlement Date). XXX > XXX days - Due Diligence Vendor-XXX		   Resolved-Received XXX Report. - Due Diligence Vendor-XXX
 Qualifying FICO score is at least XXX points above minimum for program - Minimum FICO is XXX; qualifying FICO is XXX.
Months Reserves exceed minimum required - Months reserves required is XXX; qualifying reserves is XXX months.		   XXX.pdf ATR/QM: Exempt ATR/QM: Exempt XXX XXX XXX XXX XXX N/A N/A XXX
2025090364 XXX   D A D A A A A A Closed XXX XXX XXX Resolved 1 - Information D A Credit Missing Doc DSCR Calculation Missing Resolved-Received DSCR calculation.  - Due Diligence Vendor-XXX
Ready for Review-Document Uploaded. DSCR_Calculator - Buyer-XXX
Open-The DSCR Calculation from lender is Missing. Missing DSCR Calculation. - Due Diligence Vendor-XXX		   Resolved-Received DSCR calculation.  - Due Diligence Vendor-XXX
 Qualifying FICO score is at least XXX points above minimum for program - Minimum FICO is XXX; qualifying FICO is XXX.
Months Reserves exceed minimum required - Months reserves required is XXX; qualifying reserves is XXX months.		   XXX.pdf ATR/QM: Exempt ATR/QM: Exempt XXX XXX XXX XXX NA N/A N/A XXX
2025090364 XXX   D A D A A A A A Closed XXX XXX XXX Resolved 1 - Information C A Credit Eligibility Missing Disclosure - XXX Borrower Identification Form Resolved-Received photo ID.  - Due Diligence Vendor-XXX
Ready for Review-Document Uploaded. DL and DSCR calc - Buyer-XXX
Open-Missing Disclosure - Patriot Act Borrower Identification Form.  Missing DSCR Calculation. - Due Diligence Vendor-XXX		   Resolved-Received XXX.  - Due Diligence Vendor-0XXX
 Credit history exceeds minimum required - The Borrower has XXX for more than XXX months on the credit history.
Months Reserves exceed minimum required - The Borrower has XXX months in reserves.		   XXX.pdf
XXX.pdf		 ATR/QM: Exempt ATR/QM: Exempt XXX XXX XXX XXX NA N/A N/A XXX
2025090364 XXX   D A D A A A A A Closed XXX XXX XXX Resolved 1 - Information C A Credit Eligibility Approval/Underwriting Summary Not Provided_XXX Resolved-Received underwriting summary. - Due Diligence Vendor-XXX
Ready for Review-Document Uploaded. Seller loan approval/1008 equivalent - Buyer-XXX
Open-Approval/Underwriting Summary Not Provided.  Missing Approval/Underwriting Summary. - Due Diligence Vendor-XXX		   Resolved-Received underwriting summary. - Due Diligence Vendor-XXX
 Credit history exceeds minimum required - The Borrower has XXX for more than XXX months on the credit history.
Months Reserves exceed minimum required - The Borrower has XXX months in reserves.		   XXX.pdf ATR/QM: Exempt ATR/QM: Exempt XXX XXX XXX XXX NA N/A N/A XXX
2025090373 XXX   D A D A A A A A Closed XXX XXX XXX Resolved 1 - Information D A Credit Missing Doc Borrower 1 Executed XXX is Missing Resolved-Received Executed XXX - Due Diligence Vendor-XXX
Ready for Review-Document Uploaded. XXX - Buyer-XXX
Open-Borrower XXX Executed XXX is Missing Missing from loan file - Due Diligence Vendor-XXX		   Resolved-Received Executed XXX - Due Diligence Vendor-XXX
 Credit history exceeds minimum required - The Borrower has XXX for more than XXX months on the credit history.
Months Reserves exceed minimum required - The Borrower has XXX months in reserves.		   XXX.pdf ATR/QM: Exempt ATR/QM: Exempt XXX XXX XXX XXX XXX N/A N/A XXX
2025090373 XXX   D A D A A A A A Closed XXX XXX XXX Resolved 1 - Information C A Credit Income/Employment Borrower 1 Tax Returns Not Signed Resolved-Received signed XXX - Due Diligence Vendor-XXX
Ready for Review-Document Uploaded. XXX Signed - Buyer-XXX
Open-Borrower XXX Returns Not Signed Not signed - Due Diligence Vendor-XXX		   Resolved-Received signed XXX - Due Diligence Vendor-XXX
 Qualifying FICO score is at least XXX points above minimum for program - Min XXX, actual XXX
Months Reserves exceed minimum required - Min XXX months, actual XXX months		   XXX.pdf ATR/QM: Exempt ATR/QM: Exempt XXX XXX XXX XXX XXX N/A N/A XXX
2025090396 XXX   A A A A A A A A             A A             Qualifying FICO score is at least XXX points above minimum for program - Min XXX, actual XXX
Months Reserves exceed minimum required - Min XXX months, actual XXX months		     QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) XXX XXX XXX XXX NA      
2025090410 XXX   C A C A A A A A Closed XXX XXX XXX Resolved 1 - Information C A Credit Closing Issues exist on the Mortgage Document (Deed of Trust) Resolved-Received Legal Description. - Due Diligence Vendor-XXX
Ready for Review-Document Uploaded. Supporting docs - Buyer-XXX
Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Legal Description missing.  Exhibit A does not provide the legal description - Due Diligence Vendor-XXX		   Resolved-Received Legal Description. - Due Diligence Vendor-XXX
     XXX.pdf ATR/QM: Exempt ATR/QM: Exempt XXX XXX XXX XXX XXX N/A N/A XXX
2025090367 XXX   C A C A A A A A Closed XXX XXX XXX Resolved 1 - Information C A Credit Income/Employment Income/Employment General Resolved-Received revised income calculation worksheet.  - Due Diligence Vendor-XXX
Ready for Review-Document Uploaded. YTD earnings - Buyer-XXX
Open-The underwriter's income calculation worksheet reflects the YTD earnings averaged through XXX. However, the XXX form, which was completed XXX, did not have the "XXX" field completed. Loan file is missing documentation to verify the YTD earnings "thru" date. Additional conditions may apply. - Due Diligence Vendor-XXX		   Resolved-Received revised income calculation worksheet.  - Due Diligence Vendor-XXX
 Months Reserves exceed minimum required - Guidelines require XXX months of reserves.  Qualifying reserves are XXX months.
Qualifying FICO score is at least XXX points above minimum for program - The Borrowers FICO score is XXX; guideline minimum is XXX.		   XXX.pdf QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) XXX XXX XXX XXX NA N/A N/A XXX
2025090403 XXX   D A D A A A A A Closed XXX XXX XXX Resolved 1 - Information C A Credit Eligibility Property Does Not Meet Guidelines (credit) Resolved-No Property Issues identified for the property. - Due Diligence Vendor-XXX
Open-Main dwelling is larger than the XXX not allowed. ***DSCR used in calculation used as a comp factor is awaiting pending information, see other findings.  Finding remains open and material until DSCR listed on the client exception can be supported - Due Diligence Vendor-XXX		   Resolved-No Property Issues identified for the property. - Due Diligence Vendor-XXX
 Qualifying DTI below maximum allowed - XXX% DTI ratio, XXX% Max
Qualifying FICO score is at least XXX points above minimum for program - XXX qualifying FICO score, XXX minimum score required.		     ATR/QM: Exempt ATR/QM: Exempt XXX XXX XXX XXX XXX N/A N/A XXX
2025090403 XXX   D A D A A A A A Closed XXX XXX XXX Resolved 1 - Information D A Credit Missing Doc Missing Lease Agreement Resolved-Received Transaction History for the XXX. - Due Diligence Vendor-XXX
Ready for Review-Document Uploaded. -Verification of transactions confirming receipt of rents for the main home and XXX within XXX days of closing
 - Seller-XXX
Open-Missing XXX month proof of current receipt of the rental income from the XXX.  If this cannot be provided, only rent from the main dwelling can be used which will result in a DSCR < XXX and max LTV of XXX% - Due Diligence Vendor-XXX		 Ready for Review-Document Uploaded. -Verification of transactions confirming receipt of rents for the main home and XXX within XXX days of closing
 - Seller-XXX
 Resolved-Received Transaction History for the XXX. - Due Diligence Vendor-XXX
 On time mortgage history exceeds guideline requirement - XXX
Qualifying FICO score is at least XXX points above minimum for program - XXX		   XXX.pdf ATR/QM: Exempt ATR/QM: Exempt XXX XXX XXX XXX XXX N/A N/A XXX
2025090403 XXX   D A D A A A A A Closed XXX XXX XXX Resolved 1 - Information C A Credit Eligibility Appraisal has issues (credit) Resolved-Received revised appraisal confirming legal zoning and confirming XXX may be rented.  - Due Diligence Vendor-XXX
Ready for Review-Document Uploaded. Updated appraisal with the zoning corrected to legal and with appraiser comments confirming the XXX can be legally rented (see comments at the bottom of page XXX) - Seller-XXX
Open-In order to use the XXX income, the appraiser must be able to verify with the building department that  the accessory unit is a.) legal and b.) may legally be rented, this information is missing.  The appraiser shows the subject as zone illegal which indicates the XXX may be illegal.  If the XXX cannot be confirmed as legal and legally rented, then only rent from the main dwelling can be used which will result in a DSCR < XXX and max LTV of XXX% - Due Diligence Vendor-XXX		 Ready for Review-Document Uploaded. Updated appraisal with the zoning corrected to legal and with appraiser comments confirming the XXX can be legally rented (see comments at the bottom of page XXX) - Seller-XXX
 Resolved-Received revised appraisal confirming legal zoning and confirming XXX may be rented.  - Due Diligence Vendor-XXX
 On time mortgage history exceeds guideline requirement - XXX
Qualifying FICO score is at least XXX points above minimum for program - XXX		   XXX.pdf ATR/QM: Exempt ATR/QM: Exempt XXX XXX XXX XXX XXX N/A N/A XXX
2025090403 XXX   D A D A A A A A Closed XXX XXX XXX Resolved 1 - Information D A Credit Missing Doc Hazard Insurance Policy is Partial Resolved-Received HOI reflecting correct mortgagee. - Due Diligence Vendor-XXX
Ready for Review-Document Uploaded. HOI attached - Buyer-XXX
Open-XXX Policy (Or XXX  Policy if Subject Property is a XXX) is only Partially Provided The mortgagee clause reflects the previous lender being refinanced with the subject loan. The mortgagee clause must be updated with the new lender. - Due Diligence Vendor-XXX		   Resolved-Received HOI reflecting correct mortgagee. - Due Diligence Vendor-XXX
 On time mortgage history exceeds guideline requirement - XXX
Qualifying FICO score is at least XXX points above minimum for program - XXX		   XXX.pdf ATR/QM: Exempt ATR/QM: Exempt XXX XXX XXX XXX XXX N/A N/A XXX
2025090403 XXX   D A D A A A A A Closed XXX XXX XXX Resolved 1 - Information D A Credit Missing Doc - Credit Business Purpose Affidavit/Disclosure Missing Resolved-Received business purpose affidavit.  - Due Diligence Vendor-XXX
Ready for Review-Document Uploaded. Borrower Affidavit - Seller-XXX
Open-The Business Purpose Affidavit Disclosure is Missing Per guides, for Debt Service Coverage Ratio (DSCR) Transactions, all loans require a borrower executed Business Purpose and Occupancy Affidavit. The borrower(s) mustacknowledge that the loan is a business purpose loan by completing and signing the appropriate sections of the Borrower Certification of Business Purpose Affidavit. The loan file is missing an executed Business Purpose and Occupancy Affidavit for both borrowers. - Due Diligence Vendor-XXX		 Ready for Review-Document Uploaded. Borrower Affidavit - Seller-XXX
 Resolved-Received business purpose affidavit.  - Due Diligence Vendor-XXX
 On time mortgage history exceeds guideline requirement - XXX
Qualifying FICO score is at least XXX points above minimum for program - XXX		   XXX.pdf ATR/QM: Exempt ATR/QM: Exempt XXX XXX XXX XXX XXX N/A N/A XXX
2025090376 XXX   D A D A A A A A Closed XXX XXX XXX Resolved 1 - Information D A Credit Missing Doc Closing Detail Statement Document is Missing Resolved-Received settlement statement executed by XXX officer. - Due Diligence Vendor-XXX
Ready for Review-Document Uploaded. borrower estimate - Buyer-XXX
Open-Closing Detail Statement Document is Missing and subject property is an Investment property. Missing version signed by XXX officer - Due Diligence Vendor-XXX		   Resolved-Received settlement statement executed by XXX officer. - Due Diligence Vendor-XXX
 On time mortgage history exceeds guideline requirement - XXX
Qualifying FICO score is at least XXX points above minimum for program - XXX		   XXX.pdf ATR/QM: Exempt ATR/QM: Exempt XXX XXX XXX XXX XXX N/A N/A XXX
2025090388 XXX   D A D A A A D A Closed XXX XXX XXX Resolved 1 - Information D A Credit Missing Doc Borrower 1 Bank Statement Summary/Lender Worksheet is Missing Resolved-Received business bank statement worksheet.  - Due Diligence Vendor-XXX
Ready for Review-Document Uploaded. INCOME - Buyer-XXX
Open-The Borrower XXX Bank Statement Summary/Lender Worksheet is Missing - Due Diligence Vendor-XXX		   Resolved-Received business bank statement worksheet.  - Due Diligence Vendor-XXX
 Months Reserves exceed minimum required - The Borrower has XXX months  in reserves-XXX required
Qualifying FICO score is at least XXX points above minimum for program - The Borrowers FICO score is XXX; guideline minimum XXX.		   XXX.pdf QM: Higher Priced APOR (APOR HP) QM: Higher Priced APOR (APOR HP) XXX XXX XXX XXX NA N/A N/A XXX
2025090388 XXX   D A D A A A D A Closed XXX XXX XXX Resolved 1 - Information C A Credit Income/Employment Income 1 Months Income Verified is Missing Resolved-Received XXX business bank statement.   - Due Diligence Vendor-XXX
Ready for Review-Document Uploaded. business statement ending XXX - Buyer-XXX
Open-Income XXX Income Verified is Missing XXX acct # XXX statement for eitherXXX or XXX, whichever was used for qualifying. - Due Diligence Vendor-XXX		   Resolved-Received XXX XXX business bank statement.   - Due Diligence Vendor-XXX
 Qualifying DTI below maximum allowed - Qualifying DTI XXX%; max permitted XXX%.
Qualifying FICO score is at least XXX points above minimum for program - Qualifying credit score XXX; minimum required XXX.		   XXX.pdf QM: Higher Priced APOR (APOR HP) QM: Higher Priced APOR (APOR HP) XXX XXX XXX XXX NA N/A N/A XXX
2025090388 XXX   D A D A A A D A Closed XXX XXX XXX Resolved 1 - Information D A Property Missing Doc Secondary Valuation or Additional Valuation has not been entered per securitization requirements Resolved-Received secondary valuation.  - Due Diligence Vendor-XXX
Ready for Review-Document Uploaded. CDA Uploaded - Buyer-XXX
Open-CU score of XXX.  Missing secondary valuation to support value - Due Diligence Vendor-XXX		   Resolved-Received secondary valuation.  - Due Diligence Vendor-XXX
 Qualifying DTI below maximum allowed - Qualifying DTI XXX%; max permitted XXX%.
Qualifying FICO score is at least XXX points above minimum for program - Qualifying credit score XXX; minimum required XXX.		   XXX.pdf QM: Higher Priced APOR (APOR HP) QM: Higher Priced APOR (APOR HP) XXX XXX XXX XXX NA N/A N/A XXX
2025090452 XXX   C A C A A A A A Closed XXX XXX XXX Resolved 1 - Information C A Credit Closing Issues exist on the Mortgage Document (Deed of Trust) Resolved-Legal description provided. - Due Diligence Vendor-XXX
Ready for Review-Document Uploaded. Supporting Doc Uploaded - Buyer-XXX
Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. missing legal - Due Diligence Vendor-XXX		   Resolved-Legal description provided. - Due Diligence Vendor-XXX
 Qualifying DTI below maximum allowed - Qualifying DTI XXX%; max permitted XXX%.
Qualifying FICO score is at least XXX points above minimum for program - Qualifying credit score XXX; minimum required XXX.		   XXX.pdf ATR/QM: Exempt ATR/QM: Exempt XXX XXX XXX XXX XXX N/A N/A XXX
2025090366 XXX   D B D A D B A A Closed XXX XXX XXX Resolved 1 - Information D A Credit Missing Doc Borrower 1 3rd Party VOE Prior to Close Missing Resolved-CPA letter provided. - Due Diligence Vendor-XXX
Open-Borrower XXX 3rd Party VOE Prior to Close Missing All XXX income not provided - Due Diligence Vendor-XXX		   Resolved-CPA letter provided. - Due Diligence Vendor-XXX
 LTV is less than guideline maximum - LTV XXX%; max XXX%.
Months Reserves exceed minimum required - XXX months PITIA reserves; XXX months reserves required.		     ATR/QM: CDFI Lender Exempt ATR/QM: CDFI Lender Exempt XXX XXX XXX XXX NA N/A N/A XXX
2025090366 XXX   D B D A D B A A Closed XXX XXX XXX Resolved 1 - Information D A Credit Missing Doc Borrower 1 Bank Statement Summary/Lender Worksheet is Missing Resolved-Upon further review, this loan is full doc. - Due Diligence Vendor-XXX
Open-The Borrower XXX Bank Statement Summary/Lender Worksheet is Missing Missing XXX  - Due Diligence Vendor-XXX		   Resolved-Upon further review, this loan is full doc. - Due Diligence Vendor-XXX
 Months Reserves exceed minimum required - XXX months PITIA reserves; XXX months reserves required.
LTV is less than guideline maximum - LTV XXX%; max XXX%.		     ATR/QM: CDFI Lender Exempt ATR/QM: CDFI Lender Exempt XXX XXX XXX XXX NA N/A N/A XXX
2025090366 XXX   D B D A D B A A Closed XXX XXX XXX Resolved 1 - Information D A Compliance Missing Doc Missing Attorney Preference Letter Resolved-Rec'd Right To Choose Attorney or Attorney Preference.  Finding Resolved. - Due Diligence Vendor-XXX
Ready for Review-Document Uploaded. Right to Choose Own Attorney Disclosure - Seller-XXX
Open-Right To Choose Attorney or Attorney Preference Not In File - Due Diligence Vendor-XXX		 Ready for Review-Document Uploaded. Right to Choose Own Attorney Disclosure - Seller-XXX
 Resolved-Rec'd Right To Choose Attorney or Attorney Preference.  Finding Resolved. - Due Diligence Vendor-XXX
 Months Reserves exceed minimum required - XXX months PITIA reserves; XXX months reserves required.
LTV is less than guideline maximum - LTV XXX%; max XXX%.		   XXX.pdf ATR/QM: CDFI Lender Exempt ATR/QM: CDFI Lender Exempt XXX XXX XXX XXX NA N/A N/A XXX
2025090366 XXX   D B D A D B A A Closed XXX XXX XXX Resolved 1 - Information D A Compliance Missing Doc XXX is Missing Resolved-Rec'd XXX disclosure.  Finding Resolved. - Due Diligence Vendor-XXX
Ready for Review-Document Uploaded. XXX - Seller-XXX
Open-The XXX disclosure is missing. - Due Diligence Vendor-XXX		 Ready for Review-Document Uploaded. XXX - Seller-XXX
 Resolved-Rec'd XXX disclosure.  Finding Resolved. - Due Diligence Vendor-XXX
 Months Reserves exceed minimum required - XXX months PITIA reserves; XXX months reserves required.
LTV is less than guideline maximum - LTV XXX%; max XXX%.		   XXX.pdf ATR/QM: CDFI Lender Exempt ATR/QM: CDFI Lender Exempt XXX XXX XXX XXX NA N/A N/A XXX
2025090366 XXX   D B D A D B A A Closed XXX XXX XXX Resolved 1 - Information C A Compliance TRID Missing Intent to Proceed Resolved-Rec'd Intent to Proceed.  Finding Resolved. - Due Diligence Vendor-XXX
Ready for Review-Document Uploaded. intent - Buyer-XXX
Open- - Due Diligence Vendor-XXX		   Resolved-Rec'd Intent to Proceed.  Finding Resolved. - Due Diligence Vendor-XXX
 Months Reserves exceed minimum required - XXX months PITIA reserves; XXX months reserves required.
LTV is less than guideline maximum - LTV XXX%; max XXX%.		   XXX.pdf ATR/QM: CDFI Lender Exempt ATR/QM: CDFI Lender Exempt XXX XXX XXX XXX NA N/A N/A XXX
2025090366 XXX   D B D A D B A A Closed XXX XXX XXX Waived 2 - Non-Material B B Compliance Missing Doc Missing Required Affiliated Business Disclosure Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings.
 - Due Diligence Vendor-XXX		   Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings.
 - Due Diligence Vendor-XXX
 Months Reserves exceed minimum required - XXX months PITIA reserves; XXX months reserves required.
LTV is less than guideline maximum - LTV XXX%; max XXX%.		     ATR/QM: CDFI Lender Exempt ATR/QM: CDFI Lender Exempt XXX XXX XXX XXX NA Investor Post-Close No XXX
2025090360 XXX   C A C A A A A A Closed XXX XXX XXX Resolved 1 - Information C A Credit Assets Asset Qualification Does Not Meet Guideline Requirements Resolved-Received correct asset documentation.  - Due Diligence Vendor-XXX
Ready for Review-Document Uploaded. Gift letter $XXX - Buyer-XXX
Counter-Received documentation XXX is the owner of XXX, however he provided $XXX in gift funds and the Gift Letter states $XXX.  Please provide the most recent Gift Letter. - Due Diligence Vendor-XXX
Ready for Review-Document Uploaded. Please see supporting documentation confirming that XXX is owner of XXX.
 - Buyer-XXX
Open-Asset Qualification Does Not Meet Guideline Requirements Missing documentation that sufficiently sources closing funds wired to XXX agent per receipts provided which state funds were from "XXX" and XXX.  Gift letter for $XXX from XXX is not consistent with funds provided as closing / XXX receipts. Other findings may apply after review of requested documents.  - Due Diligence Vendor-XXX		   Resolved-Received correct asset documentation.  - Due Diligence Vendor-XXX
 Months Reserves exceed minimum required - XXX months PITIA reserves; XXX months reserves required.
LTV is less than guideline maximum - LTV XXX%; max XXX%.		   XXX.pdf
XXX.pdf		 ATR/QM: Exempt ATR/QM: Exempt XXX XXX XXX XXX NA N/A N/A XXX
2025090359 XXX   D B D B A A A A Closed XXX XXX XXX Resolved 1 - Information D A Credit Missing Doc Missing XXX-Credit Resolved-Received XXX Addendum to the Note. - Due Diligence Vendor-XXX
Ready for Review-Document Uploaded. Supporting Doc Uploaded - Buyer-XXX
Open-Missing Prepayment Addendum to Note. Terms to be reviewed and confirmed upon receipt/review of missing document. - Due Diligence Vendor-XXX		   Resolved-Received XXX to the Note. - Due Diligence Vendor-XXX
 Qualifying FICO score is at least XXX points above minimum for program - FICO: XXX Min XXX
LTV is less than guideline maximum - LTV: XXX Max XXX
Months Reserves exceed minimum required - Reserves: XXX
   XXX.pdf ATR/QM: Exempt ATR/QM: Exempt XXX XXX XXX XXX XXX N/A N/A XXX
2025090359 XXX   D B D B A A A A Closed XXX XXX XXX Resolved 1 - Information C A Credit Eligibility Missing Disclosure - XXX Borrower Identification Form Resolved-Received XXX Disclosure. - Due Diligence Vendor-XXX
Ready for Review-Document Uploaded. Supporting Doc Uploaded - Buyer-XXX
Open-Missing Disclosure - XXX Borrower Identification Form.  Missing completed and signed XXX Disclosure.  Form provided does not show borrower information. - Due Diligence Vendor-XXX		   Resolved-Received XXX Disclosure. - Due Diligence Vendor-XXX
 Qualifying FICO score is at least XXX points above minimum for program - FICO: XXX Min XXX
LTV is less than guideline maximum - LTV: XXX
Months Reserves exceed minimum required - Reserves: XXX Min XXX (including own funds)		   XXX.pdf ATR/QM: Exempt ATR/QM: Exempt XXX XXX XXX XXX XXX N/A N/A XXX
2025090359 XXX   D B D B A A A A Closed XXX XXX XXX Waived 2 - Non-Material C B Credit Eligibility Loan does not conform to program guidelines Waived-Client exception granted to allow XXX financed properties over max exposure of XXX, Non-material waiver applied with comp factors. Deemed non-material due to experienced investor with long history of timely mortgage pay history.
 - Due Diligence Vendor-XXX
Open-Borrower has XXX financed properties all going to lender which exceeds the guideline maximum of XXX.  - Due Diligence Vendor-XXX		   Waived-Client exception granted to allow XXX financed properties over max exposure of XXX, Non-material waiver applied with comp factors. Deemed non-material due to experienced investor with long history of timely mortgage pay history.
 - Due Diligence Vendor-XXX
 Qualifying FICO score is at least XXX points above minimum for program - FICO: XXX Min XXX
LTV is less than guideline maximum - LTV: XXX
Months Reserves exceed minimum required - Reserves: XXX Min XXX (including own funds)		 FICO XXX; DSCR XXX+; Reserves XXX-XXX over required; Credit History: XXX; LTV XXX% below max; Credit Profile Low usage/lower payments   ATR/QM: Exempt ATR/QM: Exempt XXX XXX XXX XXX XXX Investor Post-Close No XXX
2025090371 XXX   C A C A A A A A Closed XXX XXX XXX Resolved 1 - Information C A Credit Eligibility Short Term Rental Income does not meet guidelines Resolved-After further review, the XXX is acceptable to document short term rental income. - Due Diligence Vendor-XXX
Open-Short term rental was provided from the appraiser on the 1007. Per guides need annual or XXX months statements - Due Diligence Vendor-XXX		   Resolved-After further review, the 1007 is acceptable to document short term rental income. - Due Diligence Vendor-XXX
 Qualifying FICO score is at least XXX points above minimum for program - FICO: XXX Min XXX
LTV is less than guideline maximum - LTV: XXX
Months Reserves exceed minimum required - Reserves: XXX Min XXX (including own funds)		     ATR/QM: Exempt ATR/QM: Exempt XXX XXX XXX XXX XXX N/A N/A XXX
2025090371 XXX   C A C A A A A A Closed XXX XXX XXX Resolved 1 - Information C A Credit Eligibility Missing Warrantability Documentation Resolved--Rec'd 1008 that reflects non-warrantable for XXX; finding resolved. - Due Diligence Vendor-XXX
Counter-Documentation received is insufficient-1008 reflects Type Q Limited Review and XXX.  Provide corrected attest of XXX type.  - Due Diligence Vendor-XXX
Ready for Review-Document Uploaded. supporting docs - Buyer-XXX
Open-Missing Warrantability Documentation.  Lender to attest if the project is warrantable or non-warrantable. - Due Diligence Vendor-XXX		   Resolved--Rec'd 1008 that reflects non-warrantable for XXX; finding resolved. - Due Diligence Vendor-XXX
 Qualifying FICO score is at least XXX points above minimum for program - FICO: XXX Min XXX
Months Reserves exceed minimum required - Reserves: XXX Min XXX 		   XXX.pdf ATR/QM: Exempt ATR/QM: Exempt XXX XXX XXX XXX XXX N/A N/A XXX
2025090371 XXX   C A C A A A A A Closed XXX XXX XXX Resolved 1 - Information C A Credit Eligibility Missing First Payment Letter Resolved-Received XXX payment letter.  - Due Diligence Vendor-XXX
Ready for Review-Document Uploaded. Payment letter to Borrower
 - Buyer-XXX
Open-First Payment letter not found.  - Due Diligence Vendor-XXX		   Resolved-Received XXX payment letter.  - Due Diligence Vendor-XXX
 Qualifying FICO score is at least XXX points above minimum for program - FICO: XXX Min XXX
Months Reserves exceed minimum required - Reserves: XXX Min XXX 		   XXX.pdf ATR/QM: Exempt ATR/QM: Exempt XXX XXX XXX XXX XXX N/A N/A XXX
2025090371 XXX   C A C A A A A A Closed XXX XXX XXX Resolved 1 - Information C A Credit Borrower Borrower information on 1003 is incomplete Resolved-Received corrected post closing 1003 - Due Diligence Vendor-XXX
Ready for Review-Document Uploaded. Updated Final 1003 -Permanant Resident - Buyer-XXX
Open-Final Loan application is missing/incomplete, in that the documents provided states borrowers are XXX. Citizens; however, identification provided states they are both Permanent Resident Aliens.  - Due Diligence Vendor-XXX		   Resolved-Received corrected post closing 1003 - Due Diligence Vendor-XXX
 Qualifying FICO score is at least XXX points above minimum for program - FICO: XXX Min XXX
Months Reserves exceed minimum required - Reserves: XXX Min XXX 		   XXX.pdf ATR/QM: Exempt ATR/QM: Exempt XXX XXX XXX XXX XXX N/A N/A XXX
2025090371 XXX   C A C A A A A A Closed XXX XXX XXX Resolved 1 - Information C A Credit Eligibility Audited LTV Exceeds Guideline LTV Resolved-The lender does not stack LTV adjustments.  Max LTV is XXX%. - Due Diligence Vendor-XXX
Ready for Review-Document Uploaded. supporting docs - Buyer-XXX
Open-Audited LTV of XXX% exceeds Guideline LTV of XXX% LTV Exceed guidelines for  a XXX Cash Out with STR = XXX% - Due Diligence Vendor-XXX		   Resolved-The lender does not stack LTV adjustments.  Max LTV is XXX%. - Due Diligence Vendor-XXX
 Qualifying FICO score is at least XXX points above minimum for program - FICO: XXX Min XXX
Months Reserves exceed minimum required - Reserves: XXX Min XXX 		   XXX.pdf ATR/QM: Exempt ATR/QM: Exempt XXX XXX XXX XXX XXX N/A N/A XXX
2025090446 XXX   C A C A A A A A Closed XXX XXX XXX Resolved 1 - Information C A Credit Eligibility Audited Reserves are less than Guideline Required Reserves (Number of Months) Resolved-Updated XXX statement provided - Due Diligence Vendor-XXX
Ready for Review-Document Uploaded. Rebuttal:  TPR did not use most recent balance XXX (See Image Below) $XXX balance as of XXX. Instead TPR used $XXX as of XXX which would be incorrect. Please find the assets to be sufficient and Finding Invalid. See attached updated XXX - Buyer-XXX
Open-Audited Reserves of XXX month(s) are less than Guideline Required Reserves of XXX month(s) Borrower short funds by $XXX.  Balances on asset worksheet and actual are different.  - Due Diligence Vendor-XXX		   Resolved-Updated Citi statement provided - Due Diligence Vendor-XXX
 Qualifying FICO score is at least XXX points above minimum for program - FICO: XXX Min XXX
Months Reserves exceed minimum required - Reserves: XXX Min XXX 		   XXX.pdf
XXX.pdf
XXX.pdf		 ATR/QM: Exempt ATR/QM: Exempt XXX XXX XXX XXX NA N/A N/A XXX
2025090442 XXX   A A A A A A A A             A A             LTV is less than guideline maximum - Max XXX%, actual XXX%
Qualifying FICO score is at least XXX points above minimum for program - Min XXX, actual XXX		     ATR/QM: Exempt ATR/QM: Exempt XXX XXX XXX XXX XXX      
2025090363 XXX   C B C A C B A A Closed XXX XXX XXX Resolved 1 - Information C A Credit Closing Issues exist on the Mortgage Document (Deed of Trust) Resolved-Received Mortgage w/Legal. - Due Diligence Vendor-XXX
Ready for Review-Document Uploaded. supporting docs - Buyer-XXX
Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. -----Missing Legal Description - Due Diligence Vendor-XXX		   Resolved-Received Mortgage w/Legal. - Due Diligence Vendor-XXX
     XXX.pdf QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) XXX XXX XXX XXX NA N/A N/A XXX
2025090363 XXX   C B C A C B A A Closed XXX XXX XXX Resolved 1 - Information C A Compliance TRID Lender Credits That Cannot Decrease Test Resolved-Rec'd COC for decrease in lender credit.  Finding resolved. - Due Diligence Vendor-XXX
Ready for Review-Document Uploaded. LE COC - Buyer-XXX
Open-This loan failed the lender credits that cannot decrease test. ( 12 CFR §1026.19(e)(3)(i) )The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits ($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 §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). -----Lender credit decreased from $XXX to $XXX without a valid XXX in file. Provide a XXX for decrease OR evidence of refund to borrower or principal reduction in the amount of $XXX, post-close CD, LOE and evidence of delivery to borrower within XXX days of consummation date. Reduction in Lender credits must be directly related to fees and must offset closing cost equally. Statute of Limitations XXX years- Expiration date is XXX. - Due Diligence Vendor-XXX		   Resolved-Rec'd COC for decrease in lender credit.  Finding resolved. - Due Diligence Vendor-XXX
 Qualifying DTI below maximum allowed - Max XXX%, actual XXX%
Qualifying FICO score is at least XXX points above minimum for program - Min XXX, actual XXX
Months Reserves exceed minimum required - Min XXX months, actual XXX months		   XXX.pdf QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) XXX XXX XXX XXX NA N/A N/A XXX
2025090363 XXX   C B C A C B A A Closed XXX XXX XXX Waived 2 - Non-Material B B Compliance Missing Doc Missing Required Affiliated Business Disclosure Waived-Required Affiliated Business Disclosure Missing -----Client waiver applied to non-material Findings.
 - Due Diligence Vendor-XXX		   Waived-Required Affiliated Business Disclosure Missing -----Client waiver applied to non-material Findings.
 - Due Diligence Vendor-XXX
 Qualifying DTI below maximum allowed - Max XXX%, actual XXX%
Qualifying FICO score is at least XXX points above minimum for program - Min XXX, actual XXX
Months Reserves exceed minimum required - Min XXX months, actual XXX months		     QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) XXX XXX XXX XXX NA Investor Post-Close No XXX
2025090411 XXX   A A A A A A A A             A A             Qualifying DTI below maximum allowed - Max XXX%, actual XXX%
Qualifying FICO score is at least XXX points above minimum for program - Min XXX, actual XXX
Months Reserves exceed minimum required - Min XXX months, actual XXX months		     QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) XXX XXX XXX XXX NA      
2025090443 XXX   C A A A C A A A Closed XXX XXX XXX Resolved 1 - Information C A Compliance TRID XXX: CD not delivered at least XXX days prior to consummation Resolved-Received CD XXX with tracking - Due Diligence Vendor-XXX
Ready for Review-Document Uploaded. XXX and tracking - Buyer-XXX
Open------ Missing initial CD acknowledged by borrower a minimum of XXX days prior to consummation. Statute of Limitations XXX years- Expiration date is XXX. - Due Diligence Vendor-XXX		   Resolved-Received CD XXX with tracking - Due Diligence Vendor-XXX
     XXX.pdf
XXX.pdf		 QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) XXX XXX XXX XXX NA N/A N/A XXX
2025090355 XXX   D A D A A A A A Closed XXX XXX XXX Resolved 1 - Information C A Credit Eligibility Appraisal has issues (credit) Resolved-Appraiser comments indicate the appraisal has been prepared in compliance with XXX. - Due Diligence Vendor-XXX
Open-Per guides, all appraisals must be ordered through an XXX Company (XXX). Loan file is missing evidence of XXX (Appraiser- Independence Requirements) / XXX documentation. - Due Diligence Vendor-XXX		   Resolved-Appraiser comments indicate the appraisal has been prepared in compliance with XXX. - Due Diligence Vendor-XXX
 Months Reserves exceed minimum required - Min XXX months, actual XXX months
Qualifying FICO score is at least XXX points above minimum for program - Min XXX, actual XXX		     ATR/QM: Exempt ATR/QM: Exempt XXX XXX XXX XXX XXX N/A N/A XXX
2025090355 XXX   D A D A A A A A Closed XXX XXX XXX Resolved 1 - Information C A Credit Eligibility Missing Disclosure - XXX Borrower Identification Form Resolved-Received XXX Disclosure.  - Due Diligence Vendor-XXX
Ready for Review-Document Uploaded. Supporting docs - Seller-XXX
Ready for Review-Document Uploaded. XXX - Buyer-XXX
Open-Missing Disclosure -XXX Borrower Identification Form.  - Due Diligence Vendor-XXX		 Ready for Review-Document Uploaded. Supporting docs - Seller-XXX
 Resolved-Received XXXt Disclosure.  - Due Diligence Vendor-XXX
 LTV is less than guideline maximum - XXX% LTV ratio, XXX% maximum allowed.
Months Reserves exceed minimum required - XXX mos reserves; XXX mos required		   XXX.pdf
XXX.pdf		 ATR/QM: Exempt ATR/QM: Exempt XXX XXX XXX XXX XXX N/A N/A XXX
2025090355 XXX   D A D A A A A A Closed XXX XXX XXX Resolved 1 - Information C A Credit Eligibility Audited FICO is less than Guideline FICO Resolved-Audited FICO of XXX is greater than or equal to Guideline FICO of XXX.  DSCR is over XXX utilizing actual rents. - Due Diligence Vendor-XXX
Open-Audited FICO of XXX is less than Guideline FICO of XXX The borrower was qualified with a DSCR of XXX and a credit score of XXX; however, the audited DSCR was XXX. It should be noted that the audited qualifying credit score was XXX. Loans with a DSCR less than XXX require a minimum FICO score of XXX The borrower's qualifying credit score does not meet the minimum required. - Due Diligence Vendor-XXX		   Resolved-Audited FICO of XXX is greater than or equal to Guideline FICO of XXX.  DSCR is over XXX utilizing actual rents. - Due Diligence Vendor-XXX
 LTV is less than guideline maximum - XXX% LTV ratio, XXX% maximum allowed.
Months Reserves exceed minimum required - XXX mos reserves; XXX mos required		     ATR/QM: Exempt ATR/QM: Exempt XXX XXX XXX XXX XXX N/A N/A XXX
2025090355 XXX   D A D A A A A A Closed XXX XXX XXX Resolved 1 - Information C A Credit Eligibility Audited Loan Amount is greater than Guideline Maximum Loan Amount Resolved-Audited Loan Amount is less than or equal to the Guideline Maximum Loan Amount of $XXX.  DSCR is over XXX utilizing actual rents. - Due Diligence Vendor-XXX
Ready for Review-Document Uploaded. XXX account showing monthly deposits of $XXX which support appraisal Market rents - Seller-XXX
Open-Audited Loan Amount is greater than the Guideline Maximum Loan Amount of $XXX The borrower was qualified with a DSCR of XXX and a loan amount of $XXX; however, the audited DSCR was XXX. The maximum loan amount when the DSCR is less than XXX is $XXX. The loan amount exceeds the maximum allowed. - Due Diligence Vendor-XXX		 Ready for Review-Document Uploaded. XXX showing monthly deposits of $XXX which support appraisal Market rents - Seller-XXX
 Resolved-Audited Loan Amount is less than or equal to the Guideline Maximum Loan Amount of $XXX.  DSCR is over XXX utilizing actual rents. - Due Diligence Vendor-XXX
 LTV is less than guideline maximum - XXX% LTV ratio, XXX% maximum allowed.
Months Reserves exceed minimum required - XXX mos reserves; XXX mos required		   XXX.pdf ATR/QM: Exempt ATR/QM: Exempt XXX XXX XXX XXX XXX N/A N/A XXX
2025090355 XXX   D A D A A A A A Closed XXX XXX XXX Resolved 1 - Information D A Credit Missing Doc DSCR Calculation Missing Resolved-DSCR calc provided. - Due Diligence Vendor-XXX
Ready for Review-Document Uploaded. Supporting Docs - Seller-XXX
Open-The DSCR Calculation from lender is Missing. - Due Diligence Vendor-XXX		 Ready for Review-Document Uploaded. Supporting Docs - Seller-XXX
 Resolved-DSCR calc provided. - Due Diligence Vendor-XXX
 LTV is less than guideline maximum - XXX% LTV ratio, XXX% maximum allowed.
Months Reserves exceed minimum required - XXX mos reserves; XXX mos required		   XXX.pdf ATR/QM: Exempt ATR/QM: Exempt XXX XXX XXX XXX XXX N/A N/A XXX
2025090355 XXX   D A D A A A A A Closed XXX XXX XXX Resolved 1 - Information C A Credit Eligibility Approval/Underwriting Summary Not Provided_XXX Resolved-1008 provided. - Due Diligence Vendor-XXX
Ready for Review-Document Uploaded. Supporting docs - Buyer-XXX
Open-Approval/Underwriting Summary Not Provided.  Underwriting Summary (1008) missing from loan file. - Due Diligence Vendor-XXX		   Resolved-1008 provided. - Due Diligence Vendor-XXX
 LTV is less than guideline maximum - XXX% LTV ratio, XXX% maximum allowed.
Months Reserves exceed minimum required - XXX mos reserves; XXX mos required		   XXX.pdf ATR/QM: Exempt ATR/QM: Exempt XXX XXX XXX XXX XXX N/A N/A XXX
2025090369 XXX   D A D A A A A A Closed XXX XXX XXX Resolved 1 - Information D A Credit Missing Doc Missing verification of taxes, insurance, and/or HOA fees for non-subject property Resolved-Received HOA dues.   - Due Diligence Vendor-XXX
Ready for Review-Document Uploaded. Please see HOA fee info highlighted - Buyer-XXX
Open-Missing REO XXX - HOA dues not provided - Due Diligence Vendor-XXX		   Resolved-Received HOA dues.   - Due Diligence Vendor-XXX
 LTV is less than guideline maximum - XXX% LTV ratio, XXX% maximum allowed.
Months Reserves exceed minimum required - XXX mos reserves; XXX mos required		   XXX.pdf Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors XXX XXX XXX XXX NA N/A N/A XXX
2025090369 XXX   D A D A A A A A Closed XXX XXX XXX Resolved 1 - Information C A Credit Eligibility File does not contain LOX for credit inquiries Resolved-Received credit inquiry LOE.   - Due Diligence Vendor-XXX
Ready for Review-Document Uploaded. supporting docs - Buyer-XXX
Open-LOX for credit inquiries is missing.  - Due Diligence Vendor-XXX		   Resolved-Received credit inquiry XXX.   - Due Diligence Vendor-XXX
 Qualifying DTI below maximum allowed - Qualifying DTI XXX%; max permitted XXX%.
Months Reserves exceed minimum required - XXX months PITIA reserves; XXX months reserves required.		   XXX.pdf Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors XXX XXX XXX XXX NA N/A N/A XXX
2025090369 XXX   D A D A A A A A Closed XXX XXX XXX Resolved 1 - Information C A Credit Closing Issues exist on the Mortgage Document (Deed of Trust) Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-XXX
Ready for Review-Document Uploaded. supporting docs - Buyer-XXX
Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. -----Missing Legal Description - Due Diligence Vendor-XXX		   Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-XXX
 Qualifying DTI below maximum allowed - Qualifying DTI XXX%; max permitted XXX%.
Months Reserves exceed minimum required - XXX months PITIA reserves; XXX months reserves required.		   XXX.pdf Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors XXX XXX XXX XXX NA N/A N/A XXX
2025090412 XXX   A A A A A A A A             A A             Qualifying DTI below maximum allowed - Qualifying DTI XXX%; max permitted XXX%.
Months Reserves exceed minimum required - XXX months PITIA reserves; XXX months reserves required.		     QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) XXX XXX XXX XXX NA      
2025090354 XXX   A A A A A A A A             A A                   ATR/QM: Exempt ATR/QM: Exempt XXX XXX XXX XXX XXX      
2025090447 XXX   C A A A C A A A Closed XXX XXX XXX Resolved 1 - Information C A Compliance Right to Rescind XXX Resolved-Received PCCD XXX, disbursement date XXX. - Due Diligence Vendor-XXX
Ready for Review-Document Uploaded. PCCD and Final SS to support disbursement after XXX - Buyer-XXX
Open-This loan failed the XXX of rescission test.Closed-end ( 12 CFR §1026.23(a)(3) , transferred from  12 CFR §226.23(a)(3) ), Open-end ( 12 CFR §1026.15(a)(3) , transferred from  12 CFR §226.15(a)(3) )The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the XXX business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. - Due Diligence Vendor-XXX		   Resolved-Received PCCD XXX, disbursement date XXX. - Due Diligence Vendor-XXX
     XXX.pdf Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors XXX XXX XXX XXX XXX N/A N/A XXX
2025090447 XXX   C A A A C A A A Closed XXX XXX XXX Resolved 1 - Information C A Compliance TRID XXX: CD not delivered at least XXX days prior to consummation Resolved-Received CD XXX w /proof of delivery - Due Diligence Vendor-XXX
Ready for Review-Document Uploaded. XXX and tracking - Buyer-XXX
Open-Missing initial CD acknowledged by borrower a minimum of XXX days prior to consummation. Statute of Limitations XXX years- Expiration date is XXX
 - Due Diligence Vendor-XXX		   Resolved-Received CD XXX w /proof of delivery - Due Diligence Vendor-XXX
 LTV is less than guideline maximum - LTV XXX%; max XXX%.
Months Reserves exceed minimum required - XXX months PITIA reserves; XXX months reserves required.		   XXX.pdf
XXX.pdf		 Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors XXX XXX XXX XXX XXX N/A N/A XXX
2025090390 XXX   C A C A A A A A Closed XXX XXX XXX Resolved 1 - Information C A Credit Assets Asset XXX Does Not Meet Guideline Requirements Resolved-Final CD provided confirms sufficient assets received from sale of home. - Due Diligence Vendor-XXX
Ready for Review-Document Uploaded. Supporting doc - Buyer-XXX
Open-Asset Record XXX Does Not Meet G/L Requirements Missing the CD from the Sale of XXX with proceeds in the amount of $XXX. - Due Diligence Vendor-XXX		   Resolved-Final CD provided confirms sufficient assets received from sale of home. - Due Diligence Vendor-XXX
 LTV is less than guideline maximum - LTV XXX%; max XXX%.
Months Reserves exceed minimum required - XXX months PITIA reserves; XXX months reserves required.		   XXX.pdf QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) XXX XXX XXX XXX NA N/A N/A XXX
2025090352 XXX   D B D A C B A A Closed XXX XXX XXX Resolved 1 - Information D A Credit Missing Doc Third Party Fraud Report not Provided Resolved-Received fraud report. - Due Diligence Vendor-XXX
Ready for Review-Document Uploaded. Fraud - Seller-XXX
Open-Missing Third Party Fraud Report Fraud Report is missing. - Due Diligence Vendor-XXX		 Ready for Review-Document Uploaded. Fraud - Seller-XXX
 Resolved-Received fraud report. - Due Diligence Vendor-XXX
 Qualifying FICO score is at least XXX points above minimum for program - The Borrowers FICO score is XXX; guideline minimum is XXX.
LTV is less than guideline maximum - LTV is XXX%; guideline maximum is XXX%. 		   XXX.pdf QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) XXX XXX XXX XXX NA N/A N/A XXX
2025090352 XXX   D B D A C B A A Closed XXX XXX XXX Resolved 1 - Information C A Credit Closing Borrower 1 XXX Credit Report is Expired (Greater than XXX Days from Closing/Settlement Date) Resolved-Received UDM. - Due Diligence Vendor-XXX
Ready for Review-Document Uploaded. XXX docs - Buyer-XXX
Open-Borrower XXX Credit Report is Expired (Greater than XXX days from Closing/Settlement Date). XXX is > XXX days.  - Due Diligence Vendor-XXX		   Resolved-Received XXX. - Due Diligence Vendor-XXX
 Qualifying FICO score is at least XXX points above minimum for program - Minimum FICO is XXX; qualifying FICO is XXX.
Months Reserves exceed minimum required - Months reserves required is XXX; qualifying reserves is XXX months.		   XXX.pdf
XXX.pdf		 QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) XXX XXX XXX XXX NA N/A N/A XXX
2025090352 XXX   D B D A C B A A Closed XXX XXX XXX Resolved 1 - Information C A Compliance TRID Charges That Cannot Increase Test Resolved-Rec'd XXX for fee increase.  Finding resolved. - Due Diligence Vendor-XXX
Ready for Review-Document Uploaded. cic - Buyer-XXX
Open-This loan failed the charges that cannot increase test.  (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). -----XXX (XXX%) tolerance fees increased by $XXX (Appraisal Departing Fee) without a valid XXX in file. Provide a valid and timely XXX for increase OR evidence of refund to borrower or principal reduction in the amount of $XXX, post-close CD, LOE and evidence of delivery to borrower within XXX days of consummation date. Statute of Limitations XXX year- Expiration date is XXX. - Due Diligence Vendor-XXX		   Resolved-Rec'd XXX for fee increase.  Finding resolved. - Due Diligence Vendor-XXX
 Qualifying FICO score is at least XXX points above minimum for program - Minimum FICO is XXX; qualifying FICO is XXX.
Months Reserves exceed minimum required - Months reserves required is XXX; qualifying reserves is XXX months.		   XXX.pdf QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) XXX XXX XXX XXX NA N/A N/A XXX
2025090352 XXX   D B D A C B A A Closed XXX XXX XXX Waived 2 - Non-Material B B Compliance Missing Doc XXX is Missing Waived-The XXX disclosure is missing. Client waiver applied to non-material Findings. - Due Diligence Vendor-XXX   Waived-The XXX disclosure is missing. Client waiver applied to non-material Findings. - Due Diligence Vendor-XXX
 Qualifying FICO score is at least XXX points above minimum for program - Minimum FICO is XXX; qualifying FICO is XXX.
Months Reserves exceed minimum required - Months reserves required is XXX; qualifying reserves is XXX months.		     QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) XXX XXX XXX XXX NA Investor Post-Close No XXX
2025090352 XXX   D B D A C B A A Closed XXX XXX XXX Waived 2 - Non-Material B B Compliance Missing Doc Missing Required Affiliated Business Disclosure Waived-Required Affiliated Business Disclosure Missing -----Client waiver applied to non-material Findings. - Due Diligence Vendor-XXX   Waived-Required Affiliated Business Disclosure Missing -----Client waiver applied to non-material Findings. - Due Diligence Vendor-XXX
 Qualifying FICO score is at least XXX points above minimum for program - Minimum FICO is XXX; qualifying FICO is XXX.
Months Reserves exceed minimum required - Months reserves required is XXX; qualifying reserves is XXX months.		     QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) XXX XXX XXX XXX NA Investor Post-Close No XXX
2025090406 XXX   D A D A A A A A Closed XXX XXX XXX Resolved 1 - Information C A Credit QM-ATR Invalid Final QM Status - ATR/QM: Status Pending Resolved-The Final Reviewed QM Status is acceptable or the loan is a Business Purpose loan. - Due Diligence Vendor-XXX
Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Borrower appears to have refinanced property, per Settlement Statement in file, on XXX. However, this property is not disclosed in the REO section of Final 1003, nor documented for monthly expense obligation. Settlement Statement does not spell out PITIA payment, and whether this is going to be the Primary Residence, therefore unable to ensure accurate DTI at audit review. Final 1003 reflects subject as Retained Primary, but all loan docs reflect Subject as Second Home. - Due Diligence Vendor-XXX		   Resolved-The Final Reviewed QM Status is acceptable or the loan is a Business Purpose loan. - Due Diligence Vendor-XXX
 Qualifying FICO score is at least XXX points above minimum for program - Minimum FICO is XXX; qualifying FICO is XXX.
Months Reserves exceed minimum required - Months reserves required is XXX; qualifying reserves is XXX months.		     QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) XXX XXX XXX XXX XXX N/A N/A XXX
2025090406 XXX   D A D A A A A A Closed XXX XXX XXX Resolved 1 - Information D A Credit Missing Doc Missing or Incomplete 1003 Resolved-Received corrected 1003 - Due Diligence Vendor-XXX
Ready for Review-Document Uploaded. Please see attached revised 1003 correcting subject property to XXX home. - Seller-XXX
Open-Loan docs reflect subject as XXX. However, Final 1003 REO section reflects subject as Retained Primary. Need to know what is accurate and what will be Primary residence. - Due Diligence Vendor-XXX		 Ready for Review-Document Uploaded. Please see attached revised 1003 correcting subject property to XXX home. - Seller-XXX
 Resolved-Received corrected 1003 - Due Diligence Vendor-XXX
 Qualifying FICO score is at least XXX points above minimum for program - Minimum FICO is XXX; qualifying FICO is XXX.
Months Reserves exceed minimum required - Months reserves required is XXX; qualifying reserves is XXX months.		   XXX.pdf QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) XXX XXX XXX XXX XXX N/A N/A XXX
2025090406 XXX   D A D A A A A A Closed XXX XXX XXX Resolved 1 - Information C A Credit Title Title Coverage is Less than Subject Lien(s) Total Resolved-Received updated prelim reflecting sufficient coverage. - Due Diligence Vendor-XXX
Ready for Review-Document Uploaded. Updated report with correct Loan Amount. - Seller-XXX
Open-Insufficient Title Coverage. Amount of coverage is less than Total Amount of Subject Lien(s). XXX Policy is only for $XXX. - Due Diligence Vendor-XXX		 Ready for Review-Document Uploaded. Updated report with correct Loan Amount. - Seller-XXX
 Resolved-Received updated prelim reflecting sufficient coverage. - Due Diligence Vendor-XXX
 Qualifying FICO score is at least XXX points above minimum for program - Minimum FICO is XXX; qualifying FICO is XXX.
Months Reserves exceed minimum required - Months reserves required is XXX; qualifying reserves is XXX months.		   XXX.pdf QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) XXX XXX XXX XXX XXX N/A N/A XXX
2025090406 XXX   D A D A A A A A Closed XXX XXX XXX Resolved 1 - Information C A Credit Closing Issues exist on the Mortgage Document (Deed of Trust) Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-XXX
Ready for Review-Document Uploaded. Recorded mortgage with the legal attached. - Seller-XXX
Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing required attached legal description. - Due Diligence Vendor-XXX		 Ready for Review-Document Uploaded. Recorded mortgage with the legal attached. - Seller-XXX
 Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-XXX
 Qualifying FICO score is at least XXX points above minimum for program - Minimum FICO is XXX; qualifying FICO is XXX.
Months Reserves exceed minimum required - Months reserves required is XXX; qualifying reserves is XXX months.		   XXX.pdf QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) XXX XXX XXX XXX XXX N/A N/A XXX
2025090381   XXX D A D A A A A A Closed XXX XXX XXX Resolved 1 - Information D A Credit Missing Doc Citizenship Documentation Not Provided Resolved-Revised 1003 provided correcting citizenship. - Due Diligence Vendor-XXX
Ready for Review-Document Uploaded.  - Seller-XXX
Open-Borrower Citizenship Documentation Is Missing per 1003 Borrower is "XXX" - file is missing Borrower Citizenship Documentation - Due Diligence Vendor-XXX		 Ready for Review-Document Uploaded.  - Seller-XXX
 Resolved-Revised 1003 provided correcting citizenship. - Due Diligence Vendor-XXX
 Qualifying FICO score is at least XXX points above minimum for program - Minimum FICO is XXX; qualifying FICO is XXX.
Months Reserves exceed minimum required - Months reserves required is XXX; qualifying reserves is XXX months.		   XXX.pdf ATR/QM: Exempt ATR/QM: Exempt XXX XXX XXX XXX XXX N/A N/A XXX
2025090381   XXX D A D A A A A A Closed XXX XXX XXX Resolved 1 - Information C A Credit Eligibility Prepayment Penalty Discrepancy Resolved-Lender confirmed this is a XXX prepay. - Due Diligence Vendor-XXX
Open-There is a discrepancy with tape for Prepayment Penalty Total Term. Tape value: 'XXX' Diligence value 'XXX'. Per XXX. - Due Diligence Vendor-XXX		   Resolved-Lender confirmed this is a XXX years prepay. - Due Diligence Vendor-XXX
 Qualifying FICO score is at least XXX points above minimum for program - FICO = XXX     Min FICO = XXX
LTV is less than guideline maximum - LTV = XXX% - Max LTV = XXX%		     ATR/QM: Exempt ATR/QM: Exempt XXX XXX XXX XXX XXX N/A N/A XXX
2025090361 XXX   C A A A C A A A Closed XXX XXX XXX Resolved 1 - Information C A Compliance TRID Charges That Cannot Increase Test Resolved-Received LE XXX with XXX and LE XXX with XXX. - Due Diligence Vendor-XXX
Ready for Review-Document Uploaded. Supporting Doc Uploaded - Buyer-XXX
Open-This loan failed the charges that cannot increase test.  (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).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 §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). -----XXX (XXX%) tolerance fees increased by $XXX (Discount Points fee and Appraisal Fee). The XXX dated XXX and XXX are in file however, the XXX that correspond with those dates are not in file.   Provide missing LEs OR evidence of refund to borrower or principal reduction in the amount of $XXX, post-close CD, LOE and evidence of delivery to borrower within XXX days of consummation date. Statute of Limitations XXX- Expiration date is XXX - Due Diligence Vendor-XXX		   Resolved-Received XXX XXX with XXX and XXX XXX with XXX. - Due Diligence Vendor-XXX
 Qualifying FICO score is at least XXX points above minimum for program - FICO = XXX     Min FICO = XXX
LTV is less than guideline maximum - LTV = XXX% - Max LTV = XXX%		   XXX.pdf
XXX.pdf		 QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) XXX XXX XXX XXX NA N/A N/A XXX
2025090350 XXX   D A D A C A A A Closed XXX XXX XXX Resolved 1 - Information C A Credit Income/Employment Income/Employment General Resolved-Received corrected Tax Preparer letter.  - Due Diligence Vendor-XXX
Ready for Review-Document Uploaded. CPA Letter - Buyer-XXX
Open-The business stated in the tax agent's letter is misspelled and not the correct name of the borrower's business.  - Due Diligence Vendor-XXX		   Resolved-Received corrected Tax Preparer letter.  - Due Diligence Vendor-XXX
 Months Reserves exceed minimum required - Months reserves required is XXX; qualifying reserves is XXX months.
Qualifying FICO score is at least XXX points above minimum for program - Minimum FICO is XXX; qualifying FICO is XXX.		   XXX.pdf QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) XXX XXX XXX XXX NA N/A N/A XXX
2025090350 XXX   D A D A C A A A Closed XXX XXX XXX Resolved 1 - Information C A Credit Income/Employment Income documentation does not meet guidelines Resolved-Received exception request from originator. - Due Diligence Vendor-XXX
Ready for Review-Document Uploaded.  - Seller-XXX
Counter-Received clients approval email-missing exception request from originator.   - Due Diligence Vendor-XXX
Ready for Review-Document Uploaded. supporting docs - Buyer-XXX
Open-XXX letter provided to document borrower's ownership in business used toward income.  Email from client is in file for exception waiver, however missing the exception request form listing the lender's comp factors.  Finding remains open until this is received. - Due Diligence Vendor-XXX		 Ready for Review-Document Uploaded.  - Seller-XXX
 Resolved-Received exception request from originator. - Due Diligence Vendor-XXX
 Months Reserves exceed minimum required - Borrower verified XXX months of PITIA reserves, XXX months minimum reserves required.
Qualifying FICO score is at least XXX points above minimum for program - XXX qualifying FICO score, XXX minimum score required.		   XXX.pdf
XXX.pdf
XXX.pdf		 QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) XXX XXX XXX XXX NA N/A N/A XXX
2025090350 XXX   D A D A C A A A Closed XXX XXX XXX Resolved 1 - Information D A Credit Missing Doc Third Party Fraud Report Partially Provided Resolved-Third Party Fraud Report is fully present - Due Diligence Vendor-XXX
Ready for Review-Document Uploaded. Fraud Free & Clear - Seller-XXX
Counter-Received duplicate documentation-provide updated Fraud Report reflecting all High and XXX Alerts cleared and provide any applicable supporting documentation.  - Due Diligence Vendor-XXX
Ready for Review-Document Uploaded. Fraud - Seller-XXX
Open-Third Party XXX Partially Provided Alerts Summary Report in file; however, the complete fraud report is missing from the loan file. Additional conditions may apply. - Due Diligence Vendor-XXX		 Ready for Review-Document Uploaded. Fraud Free & Clear - Seller-XXX
 Ready for Review-Document Uploaded. Fraud - Seller-XXX
 Resolved-Third Party Fraud Report is fully present - Due Diligence Vendor-XXX
 Months Reserves exceed minimum required - Borrower verified XXX months of PITIA reserves, XXX months minimum reserves required.
Qualifying FICO score is at least XXX points above minimum for program - XXX qualifying FICO score, XXX minimum score required.		   XXX.pdf
XXX.pdf		 QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) XXX XXX XXX XXX NA N/A N/A XXX
2025090350 XXX   D A D A C A A A Closed XXX XXX XXX Resolved 1 - Information C A Compliance TRID Charges That Cannot Increase Test Resolved-Final CD XXX $XXX lender credit for increase in closing costs above legal limits. - Due Diligence Vendor-XXX
Open-This loan failed the charges that cannot increase test.  (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). Final CD XXX $XXX lender credit for increase in closing costs above legal limits. - Due Diligence Vendor-XXX		   Resolved-Final XXX XXX $XXX lender credit for increase in closing costs above legal limits. - Due Diligence Vendor-XXX
 Months Reserves exceed minimum required - Borrower verified XXX months of PITIA reserves, XXX months minimum reserves required.
Qualifying FICO score is at least XXX points above minimum for program - XXX qualifying FICO score, XXX minimum score required.		     QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) XXX XXX XXX XXX NA N/A N/A XXX
2025090349 XXX   D A D A A A A A Closed XXX XXX XXX Resolved 1 - Information D A Credit Missing Doc Third Party Fraud Report not Provided Resolved-Received fraud report.  - Due Diligence Vendor-XXX
Ready for Review-Document Uploaded. Supporting docs - Buyer-XXX
Open-Missing Third Party Fraud Report - Due Diligence Vendor-XXX		   Resolved-Received fraud report.  - Due Diligence Vendor-XXX
 Months Reserves exceed minimum required - Borrower verified XXX months of PITIA reserves, XXX months minimum reserves required.
Qualifying FICO score is at least XXX points above minimum for program - XXX qualifying FICO score, XXX minimum score required.		   XXX.pdf ATR/QM: Exempt ATR/QM: Exempt XXX XXX XXX XXX XXX N/A N/A XXX
2025090349 XXX   D A D A A A A A Closed XXX XXX XXX Resolved 1 - Information D A Credit Missing Doc - Credit Business Purpose Affidavit/Disclosure Missing Resolved-Received business purpose affidavit. - Due Diligence Vendor-XXX
Ready for Review-Document Uploaded. Business Purpose - Buyer-XXX
Open-The Business Purpose Affidavit Disclosure is Missing Missing Business Purpose Affidavit Disclosure - Due Diligence Vendor-XXX		   Resolved-Received business purpose affidavit. - Due Diligence Vendor-XXX
 Qualifying FICO score is at least XXX points above minimum for program - Minimum FICO is XXX, qualifying score is XXX
Months Reserves exceed minimum required - Minimum reserves are XXX months, Borrower has XXX months		   XXX.pdf
XXX.pdf		 ATR/QM: Exempt ATR/QM: Exempt XXX XXX XXX XXX XXX N/A N/A XXX
2025090349 XXX   D A D A A A A A Closed XXX XXX XXX Resolved 1 - Information C A Credit Title Title Coverage is Less than Subject Lien(s) Total Resolved-Received title supplement reflecting sufficient coverage.  - Due Diligence Vendor-XXX
Ready for Review-Document Uploaded. XXX to cover loan amount - Buyer-XXX
Open-Insufficient Title Coverage. Amount of coverage is less than Total Amount of Subject Lien(s). - Due Diligence Vendor-XXX		   Resolved-Received title supplement reflecting sufficient coverage.  - Due Diligence Vendor-XXX
 Qualifying FICO score is at least XXX points above minimum for program - Minimum FICO is XXX, qualifying score is XXX
Months Reserves exceed minimum required - Minimum reserves are XXX months, Borrower has XXX months		   XXX.pdf ATR/QM: Exempt ATR/QM: Exempt XXX XXX XXX XXX XXX N/A N/A XXX
2025090351 XXX   D A D A A A A A Closed XXX XXX XXX Resolved 1 - Information D A Credit Missing Doc DSCR Calculation Missing Resolved-Received DSCR calculation. - Due Diligence Vendor-XXX
Ready for Review-Document Uploaded. DSCR Cal - Buyer-XXX
Open-The DSCR Calculation from lender is Missing. Missing DSCR calculation.  - Due Diligence Vendor-XXX		   Resolved-Received DSCR calculation. - Due Diligence Vendor-XXX
 Qualifying FICO score is at least XXX points above minimum for program - Minimum FICO is XXX, qualifying score is XXX
Months Reserves exceed minimum required - Minimum reserves are XXX months, Borrower has XXX months		   XXX.pdf ATR/QM: Exempt ATR/QM: Exempt XXX XXX XXX XXX XXX N/A N/A XXX
2025090380 XXX   C B C B A A A A Closed XXX XXX XXX Resolved 1 - Information C A Credit Title Title Coverage is Less than Subject Lien(s) Total Resolved-Upon further review, the title coverage is sufficient. - Due Diligence Vendor-XXX
Ready for Review-Please see page XXX of prelim. The amount shows $XXX. Not sure what amount you are looking for. - Buyer-XXX
Open-Insufficient Title Coverage. Amount of coverage is less than Total Amount of Subject Lien(s). Missing title coverage.  - Due Diligence Vendor-XXX		   Resolved-Upon further review, the title coverage is sufficient. - Due Diligence Vendor-XXX
 Months Reserves exceed minimum required - XXX months PITIA reserves; XXX months reserves required.
LTV is less than guideline maximum - LTV XXX%; max XXX%.		     QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) XXX XXX XXX XXX NA N/A N/A XXX
2025090380 XXX   C B C B A A A A Closed XXX XXX XXX Waived 2 - Non-Material C B Credit Eligibility Housing History Does Not Meet Guideline Requirements Waived-Client waiver applied to non-material finding with compensating factors.  First time homebuyer living rent free, living rent free guides not met. - Due Diligence Vendor-XXX
Ready for Review-Document Uploaded. supporting docs - Buyer-XXX
Open-Housing History Does Not Meet Guideline Requirements Lender Exception in file for first time homebuyer living rent free. Does not meet living rent free guides. - Due Diligence Vendor-XXX		   Waived-Client waiver applied to non-material finding with compensating factors.  First time homebuyer living rent free, living rent free guides not met. - Due Diligence Vendor-XXX
 Qualifying FICO score is at least XXX points above minimum for program - Minimum FICO is XXX; qualifying FICO is XXX.
Qualifying DTI below maximum allowed - Max DTI is XXX%; qualifying DTI is XXX%.		 Credit Score: XXX
DTI: XXX
LTV: XXX		 XXX.pdf QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) XXX XXX XXX XXX NA Investor Post-Close No XXX
2025090348 XXX   A A A A A A A A             A A             Qualifying FICO score is at least XXX points above minimum for program - Minimum FICO is XXX; qualifying FICO is XXX.
Qualifying DTI below maximum allowed - Max DTI is XXX%; qualifying DTI is XXX%.		     ATR/QM: Exempt ATR/QM: Exempt XXX XXX XXX XXX XXX      
2025090444 XXX   C A C A A A C A Closed XXX XXX XXX Resolved 1 - Information C A Credit Closing Issues exist on the Mortgage Document (Deed of Trust) Resolved-Received Exhibit “A” Legal Description. - Due Diligence Vendor-XXX
Ready for Review-Document Uploaded. SUPPORTING DOCS - Buyer-XXX
Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing legal  - Due Diligence Vendor-XXX		   Resolved-Received Exhibit “XXX” Legal Description. - Due Diligence Vendor-XXX
     XXX.pdf ATR/QM: Exempt ATR/QM: Exempt XXX XXX XXX XXX XXX N/A N/A XXX
2025090444 XXX   C A C A A A C A Closed XXX XXX XXX Resolved 1 - Information C A Property Appraisal Subject property appraisal is not on an as-is basis (Primary Value) Resolved-Received 1004D Completion Report, porch is repaired. - Due Diligence Vendor-XXX
Ready for Review-Document Uploaded. SUPPORTING DOCS - Buyer-XXX
Open-Primary Value Subject Property Appraisal is not on an As-Is Basis and Completion Report (XXX) is not Present THE SECOND FLOOR REAR OPEN PORCH NEEDS TO BE REPAIRED.  XXX Completion is missing from the file - Due Diligence Vendor-XXX		   Resolved-Received XXX Completion Report, XXX is repaired. - Due Diligence Vendor-XXX
 Qualifying FICO score is at least XXX points above minimum for program - Minimum FICO is XXX, qualifying score is XXX
Months Reserves exceed minimum required - Minimum reserves are XXX months, Borrower has XXX months		   XXX.pdf ATR/QM: Exempt ATR/QM: Exempt XXX XXX XXX XXX XXX N/A N/A XXX
2025090444 XXX   C A C A A A C A Closed XXX XXX XXX Resolved 1 - Information C A Credit Eligibility Property Does Not Meet Guidelines (credit) Resolved-Received XXX Completion Report. - Due Diligence Vendor-XXX
Ready for Review-Document Uploaded. SUPPORTING DOCS - Buyer-XXX
Open-Property Issues are identified for the property THE SECOND FLOOR REAR OPEN PORCH NEEDS TO BE REPAIRED.  XXX completion cert is missing from the file - Due Diligence Vendor-XXX		   Resolved-Received XXX Completion Report. - Due Diligence Vendor-XXX
 Qualifying FICO score is at least XXX points above minimum for program - Minimum FICO is XXX, qualifying score is XXX
Months Reserves exceed minimum required - Minimum reserves are XXX months, Borrower has XXX months		   XXX.pdf ATR/QM: Exempt ATR/QM: Exempt XXX XXX XXX XXX XXX N/A N/A XXX
2025090347 XXX   D A D A A A A A Closed XXX XXX XXX Resolved 1 - Information D A Credit Missing Doc Missing Letter of Explanation (Income) Resolved-Received revised appraisal confirming long term rental only.  - Due Diligence Vendor-XXX
Ready for Review-Document Uploaded. Appraisal was revised to show that long term rents were used to calculate the market rent due to the property being vacant from recent rehab and repairs. - Buyer-XXX
Open-Letter of explanation required to address the discrepancies for rental income type. The UW stated on 1008 that market rent was being utilized because subject is vacant due to upgrades being completed. However, the appraisal revision addendum on XXX indicates the property has short term rental and is currently XXX. Additional conditions may apply. - Due Diligence Vendor-XXX		   Resolved-Received revised appraisal confirming long term rental only.  - Due Diligence Vendor-XXX
 Qualifying FICO score is at least XXX points above minimum for program - Minimum FICO is XXX, qualifying score is XXX
Months Reserves exceed minimum required - Minimum reserves are XXX months, Borrower has XXX months		 XXX.pdf ATR/QM: Exempt ATR/QM: Exempt XXX XXX XXX XXX XXX N/A N/A XXX
2025090370 XXX   A A A A A A A A             A A             DSCR % greater than XXX - DSCR % is XXX
LTV is less than guideline maximum - XXX% LTV ratio, maximum allowed is XXX% 		     ATR/QM: Exempt ATR/QM: Exempt XXX XXX XXX XXX NA