J.P. MORGAN ACCEPTANCE CORPORATION II ABS-15G
Exhibit 99.8
| Seller Name | Seller Loan ID | Customer Loan ID | Exception ID | Exception ID Date | Exception Category | Exception Subcategory | Exception Description | Exception Comments | Seller Response | Reviewer Response | Compensating Factors | Exception Status | Cleared Date | Exception Approved Pre Origination | Initial Exception Grade | Final Exception Grade | Initial DBRS Exception Grade | Final DBRS Exception Grade | Initial Moodys Exception Grade | Final Moodys Exception Grade | Initial Fitch Exception Grade | Final Fitch Exception Grade | Initial Kroll Exception Grade | Final Kroll Exception Grade | Initial S&P Exception Grade | Final S&P Exception Grade |
| XXX | XXXXX | 304904605 | FCRE6737 | 12/18/2025 | Credit | Missing Doc | Missing Letter of Explanation (Income) | Per Lender Guidelines, for self-employed borrowers, a signed borrower letter dated within XXX days from the Note date addressing if the borrower anticipates any changes to their income or employment in the next several months is required. | Hello, please see response from team. | Documentation is sufficient. Loan was UW by AUS. No LOE required. Exception resolved. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 58.84% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 58.84% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/18/2025 | D | A | D | A | D | A | D | A | D | A | D | A | |
| XXX | XXXXX | 304904605 | FCOM8997 | 12/12/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 58.84% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 58.84% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/12/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 304904605 | FPRO8998 | 12/12/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan. | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 58.84% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 58.84% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/12/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 304896696 | FCRE1204 | 12/10/2025 | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Fraud Report Shows Uncleared Alerts Missing updated Fraud Report with cleared alerts for Potential undisclosed REO, SAM ov alert, Exclusionary list alert for Hazard insurance agent and mailing address reported by the tax assessor not being the subject property | Document Uploaded. ; Document Uploaded. Document Uploaded. 1003, XXX Tax Cert | All Fraud Report Alerts have been cleared or None Exist; XXX, tax cert, email. confirmed ownership of lot in XXX. added to XXX and XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 12/10/2025 | C | A | C | A | C | A | C | A | C | A | C | A | |
| XXX | XXXXX | 304896696 | FCOM8997 | 12/01/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 12/01/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 304896696 | FPRO8998 | 12/01/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 12/01/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305026231 | FCRE1184 | 12/30/2025 | Credit | Missing Doc | AUS Not Provided | Missing AUS DU/LPA approval required on XXX, per guidelines. | Document Uploaded. AUS | AUS is not missing | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/30/2025 | D | A | D | A | D | A | D | A | D | A | D | A | |
| XXX | XXXXX | 305026231 | FCOM3849 | 12/29/2025 | Compliance | Disclosure | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). Showing evidence that the borrower received the appraisal XXX business days prior to consummation, XX/XX/XXXX, may cure the violation. | Document Uploaded. Please see uploaded Lender response/Attestation - if insufficient to clear, please acknowledge this exception as Non-Material | Exception is non-material and graded as level 2/B. | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Acknowledged | No | B | B | B | B | B | B | B | B | B | B | B | B | |
| XXX | XXXXX | 305026231 | FPRO8998 | 12/22/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/22/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 304908555 | FCRE0386 | 01/05/2026 | Credit | Missing Doc - Credit | Borrower 1 Photo Identification not provided | Borrower 1 Photo Identification not provided. | Please see attached ID. | Photo Identification provided. | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/05/2026 | D | A | D | A | D | A | D | A | D | A | D | A | |
| XXX | XXXXX | 304908555 | finding-3652 | 01/05/2026 | Compliance | TRID Tolerance | Lender Credits That Cannot Decrease Test | This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i) he 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 n 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). TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The Lender Credit tolerance violation in the amount of XXX is due to a decrease in lender credit from XXX on Initial CD dated XX/XX/XXXX to XXX on Final CD dated XX/XX/XXXX. A COC or other evidence is required to determine if this was a valid change. | Please see attached PCCD and proof of cure. | Cure package provided to the borrower; exception downgraded to a 2/B | Borrower has stable job time - Borrower has XXX years on job. | Cured | C | B | C | B | C | B | C | B | C | B | C | B | ||
| XXX | XXXXX | 304908555 | FPRO8998 | 12/08/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/08/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 304897403 | FCOM9186 | 12/07/2025 | Compliance | Missing Doc | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. Provide the e-consent dated on or prior to the earliest electronic signature XX/XX/XXXX | Please see attached econsent proof | Evidence of eConsent is provided. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 12/07/2025 | B | A | B | A | B | A | B | A | B | A | B | A | |
| XXX | XXXXX | 304897403 | FCRE8999 | 11/26/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 11/26/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 304897403 | FPRO8998 | 11/26/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 11/26/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 304893382 | finding-3635 | 01/17/2026 | Compliance | TRID Tolerance | Charges That In Total Cannot Increase More Than 10% Test | TILA 130 required: A refund in the amount of XXX cure package: PCCD with LOE, copy of refund and proof of delivery. The Mortgage recording fee increased on the LE issued XX/XX/XXXX without a valid reason. This loan failed the charges that in total cannot increase more than XXX% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than XXX% XXX exceed the comparable charges XXX by more than XXX% Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures n estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than XXX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). | lox pccd cure check and label ; XX/XX/XXXX COC ; uploaded lox rebuttal and titles prelim cd | Cure package provided within XXX days of discovery; exception downgraded to a 2/B; The receipt of a prelim CD per title is not considered a valid reason for the recording fees to increase. Cure required; Rebuttal reviewed however, the COC in the file dated XX/XX/XXXX did not mention the recording fee increase therefore it is subject to a cure of $XXX. The Prelim CD provided cannot be used to calculate tolerance. Exception remains. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Cured | C | B | C | B | C | B | C | B | C | B | C | B | ||
| XXX | XXXXX | 304893382 | FCRE8999 | 11/26/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. The loan meets all applicable credit guidelines. | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 11/26/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 304893382 | FPRO8998 | 11/26/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 11/26/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 304904999 | FCOM8997 | 12/05/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | Resolved | 12/05/2025 | A | A | A | A | A | A | A | A | A | A | A | A | |||
| XXX | XXXXX | 304904999 | FCRE8999 | 12/05/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | Resolved | 12/05/2025 | A | A | A | A | A | A | A | A | A | A | A | A | |||
| XXX | XXXXX | 304904999 | FPRO8998 | 12/05/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | Resolved | 12/05/2025 | A | A | A | A | A | A | A | A | A | A | A | A | |||
| XXX | XXXXX | 304887753 | FCRE1180 | 12/09/2025 | Credit | Missing Doc | HO-6 Insurance Policy is Missing | HO-6 Insurance Policy is Missing Condo master policy in the loan file, however missing borrower HO-6 policy. | Please see attached rebuttal. Master covers "XXX" | Documentation is sufficient. XXX coverage included. Exception resolved.; HO-6 Insurance Policy is fully present | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 12/09/2025 | D | A | D | A | D | A | D | A | D | A | D | A | |
| XXX | XXXXX | 304887753 | FCRE1316 | 12/09/2025 | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party VOE Prior to Close Missing Borrower 1 3rd Party VOE Prior to Close Missing | Please see attached VVOE. | Documentation is sufficient. VOE provided. Exception resolved.; Borrower 1 3rd Party VOE Prior to Close Was Provided | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 12/09/2025 | D | A | D | A | D | A | D | A | D | A | D | A | |
| XXX | XXXXX | 304887753 | FCRE7497 | 12/09/2025 | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Missing verification of hazard insurance and HOA if application for other REO property located at XXX XXX | Please see attached PITIA docs. | Documentation is sufficient. Tax cert provided. Exception resolved. | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 12/09/2025 | D | A | D | A | D | A | D | A | D | A | D | A | |
| XXX | XXXXX | 304887753 | FCOM9186 | 12/08/2025 | Compliance | Missing Doc | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. Missing eSigned consent disclosure. Provide eConsent dated on or before XX/XX/XXXX. | Please see attached proof of econsent. | Evidence of eConsent is provided. | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 12/08/2025 | B | A | B | A | B | A | B | A | B | A | B | A | |
| XXX | XXXXX | 304887753 | FPRO8998 | 11/25/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 11/25/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 304896895 | finding-3634 | 12/13/2025 | Compliance | TRID Tolerance | Charges That Cannot Increase Test | 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) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n 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). The loan failed charges that cannot increase test. TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of XXX is due to increase from XXX to XXX for the Administration Fee and from XXX to XXX for the Tax Service Fee. Both the Administration Fee and the Tax Service fee were added to the LE dated XX/XX/XXXX. The file did contain a COC dated XX/XX/XXXX on page XXX; however, the explanation of the "appraised value was different" is not a valid reason to add these additional fees. | Document Uploaded. COC uploaded - Per Lender: "The file was floating at initials and then locked with XXX. The lock is the reason for the changes." | Valid COC provided; exception resolved; Valid COC provided; exception resolved | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/13/2025 | C | A | C | A | C | A | C | A | C | A | C | A | |
| XXX | XXXXX | 304896895 | FPRO9990 | 12/12/2025 | Property | Third Party Valuation | Third Party Valuation Product Not Provided within 10% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Provide Third Party Document. | Document Uploaded. CDA | Third party valuation product provided within tolerance. | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/12/2025 | C | A | C | A | C | A | C | A | C | A | C | A | |
| XXX | XXXXX | 304896895 | FCOM1262 | 12/12/2025 | Compliance | Missing Doc | Right of Rescission is Missing | Right of Rescission is Missing Provide the executed Right to Cancel for all vested borrowers | Document Uploaded. NRTC uploaded | Right of Rescission is Provided | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/12/2025 | D | A | D | A | D | A | D | A | D | A | D | A | |
| XXX | XXXXX | 304896895 | FCRE8999 | 12/05/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/05/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 304898064 | FCOM8997 | 12/09/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/09/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 304898064 | FPRO8998 | 12/09/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/09/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 304898064 | FCRE8999 | 12/09/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/09/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 304904594 | FCOM8997 | 12/11/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 74.99% is less than Guideline CLTV of 89.99% | Original LTV is Below the Guideline Maximum - Calculated LTV of 74.99% is less than Guideline LTV of 89.99% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 12/11/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 304904594 | FPRO8998 | 12/11/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 74.99% is less than Guideline CLTV of 89.99% | Original LTV is Below the Guideline Maximum - Calculated LTV of 74.99% is less than Guideline LTV of 89.99% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 12/11/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 304860242 | FCRE8999 | 12/10/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. The loan meets all applicable credit guidelines. | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 12/10/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 304860242 | FPRO8998 | 12/10/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan. | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 12/10/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 304860242 | FCOM8997 | 12/10/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 12/10/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 304874862 | FCOM9186 | 12/16/2025 | Compliance | Missing Doc | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. Provide the e-consent dated on or prior to the earliest electronic signature XX/XX/XXXX (borrowers auth on page XXX) | XXX XX/XX/XXXX Please see attached | Evidence of eConsent is provided. | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 77.04% is less than Guideline CLTV of 89.99% | Original LTV is Below the Guideline Maximum - Calculated LTV of 77.04% is less than Guideline LTV of 89.99% | Resolved | 12/16/2025 | B | A | B | A | B | A | B | A | B | A | B | A | |
| XXX | XXXXX | 304874862 | FCRE8999 | 12/05/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 77.04% is less than Guideline CLTV of 89.99% | Original LTV is Below the Guideline Maximum - Calculated LTV of 77.04% is less than Guideline LTV of 89.99% | Resolved | 12/05/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 304874862 | FPRO8998 | 12/05/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 77.04% is less than Guideline CLTV of 89.99% | Original LTV is Below the Guideline Maximum - Calculated LTV of 77.04% is less than Guideline LTV of 89.99% | Resolved | 12/05/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 304873952 | FCRE1185 | 12/04/2025 | Credit | Missing Doc | AUS Partially Provided | AUS Partially Provided The liabilities increased from XXX to XXX Prior credit report not provided. Resubmission required due to DTI increase > XXX% Unable to locate Statement, updated credit report or evidence of account paid off to prove that the liabilities are XXX Lender to provide proof of liabilities are XXX or provide resubmission to the AUS to support DTI above XXX% and monthly liabilities of XXX | XX/XX/XXXX XXX: Please see attached copy of credit report | Documentation is sufficient. Updated calculations omitting the Authorized user account. Exception rescinded.; AUS is not incomplete | Rescinded | A | A | A | A | A | A | A | A | A | A | A | A | |||
| XXX | XXXXX | 304873952 | FCOM8997 | 12/02/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/02/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 304873952 | FPRO8998 | 12/02/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/02/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 304897100 | FCOM8997 | 12/09/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/09/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 304897100 | FPRO8998 | 12/09/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/09/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 304897100 | FCRE8999 | 12/09/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/09/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 304874838 | FCRE8999 | 12/02/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/02/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 304874838 | FPRO8998 | 12/02/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/02/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 304874838 | FCOM8997 | 12/02/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/02/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 304875630 | FCRE1322 | 12/02/2025 | Credit | Missing Doc | Borrower 1 Business Tax Returns Missing | Borrower 1 Business Tax Returns Missing Missing most recent Business Returns for XXX per most recent VOE and paystub provided borrower is a Co-Founder of the company. | XX/XX/XXXX XXX: Co-founder does not mean borrower has ownership interest in the business. Borrower's tax returns show no business income from this business and it is not reported on their Schedule E, indicating they have no ownership. The borrower can't provide tax returns for a business they are not the owner of. | Documentation is sufficient. Explanation provided is acceptable. Exception resolved.; Borrower 1 Business Tax Returns Provided | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/02/2025 | D | A | D | A | D | A | D | A | D | A | D | A | |
| XXX | XXXXX | 304875630 | FCOM8997 | 11/26/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 11/26/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 304875630 | FPRO8998 | 11/26/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 11/26/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 304875629 | finding-3532 | 12/11/2025 | Compliance | TRID | Initial Closing Disclosure Delivery Date Test | Documentation required: The initial CD is dated XX/XX/XXXX is less than XXX business days prior to closing of XX/XX/XXXX. The loan file contains a COC dated XX/XX/XXXX without supporting LE or CD. Please remit for testing. This loan failed the initial closing disclosure delivery date test due to one of the following findings:(12 CFR §1026.19(f)(1)(ii) he initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than three business days before consummation. | XXX XX/XX/XXXX Please see the attached TRID Disclosure History and initial Closing disclosure that shows the borrower was sent the initial Closing Disclosure on XX/XX/XXXX and consented to it on XX/XX/XXXX. This meets the XXX business days before the closing date of XX/XX/XXXX | Initial CD provided; Exception resolved; Initial CD provided; Exception resolved | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 77.86% is less than Guideline LTV of 89.99% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 77.86% is less than Guideline CLTV of 89.99% | Resolved | 12/11/2025 | C | A | C | A | C | A | C | A | C | A | C | A | |
| XXX | XXXXX | 304875629 | finding-3652 | 12/11/2025 | Compliance | TRID Tolerance | Lender Credits That Cannot Decrease Test | This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i) he 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 n 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). TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The Lender credit violation in the amount of XXX is due to decrease from XXX to XXX for the Lender’s Credit without sufficient timing. | XXX XX/XX/XXXX On XX/XX/XXXX there was a relock on the file that caused pricing to increase. On wholesale loans lock actions are acceptable changes and circumstance. A Closing Disclosure went out to the Borrower on the same day. Final Cost to the Borrower of XXX% or $-XXX. Please see attached lock confirmation and Closing Disclosure. | Initial CD provided; Exception resolved; Initial CD provided; Exception resolved | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 77.86% is less than Guideline LTV of 89.99% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 77.86% is less than Guideline CLTV of 89.99% | Resolved | 12/11/2025 | C | A | C | A | C | A | C | A | C | A | C | A | |
| XXX | XXXXX | 304875629 | finding-3634 | 12/11/2025 | Compliance | TRID Tolerance | Charges That Cannot Increase Test | 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) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n 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). TILA 130b Cure required: Cure of XXX required for addition of Final Inspection fee. Cure requires PCCD, LOE, copy of refund check, and proof of mailing. The loan file contained a COC for Final Inspection with no supporting LE or CD. Please remit for testing. | XXX XX/XX/XXXX The appraisal came in on XXX/5on the property was subject to repairs. On XX/XX/XXXX a Change of Circumstance was submitted for the final inspection changing the fee from XXX to $XXX. On XX/XX/XXXX a closing disclosure went out to the borrower to re-disclose the final inspection fee. Please see attached. | Initial CD provided; Exception resolved; Initial CD provided; Exception resolved | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 77.86% is less than Guideline LTV of 89.99% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 77.86% is less than Guideline CLTV of 89.99% | Resolved | 12/11/2025 | C | A | C | A | C | A | C | A | C | A | C | A | |
| XXX | XXXXX | 304875629 | FCRE8999 | 12/09/2025 | Credit | Data | No Credit Findings | No credit findings The loan meets all applicable credit guidelines. | Informational | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 77.86% is less than Guideline LTV of 89.99% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 77.86% is less than Guideline CLTV of 89.99% | Resolved | 12/09/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 304875629 | FPRO8998 | 12/09/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 77.86% is less than Guideline LTV of 89.99% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 77.86% is less than Guideline CLTV of 89.99% | Resolved | 12/09/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 304904411 | FCOM8997 | 11/26/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 11/26/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 304904411 | FCRE8999 | 11/26/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 11/26/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 304904411 | FPRO8998 | 11/26/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 11/26/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 304908664 | FCOM8997 | 12/11/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 61.1% is less than Guideline CLTV of 89.99% | Original LTV is Below the Guideline Maximum - Calculated LTV of 61.1% is less than Guideline LTV of 89.99% | Resolved | 12/11/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 304908664 | FCRE8999 | 12/11/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 61.1% is less than Guideline CLTV of 89.99% | Original LTV is Below the Guideline Maximum - Calculated LTV of 61.1% is less than Guideline LTV of 89.99% | Resolved | 12/11/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 304908664 | FPRO8998 | 12/11/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 61.1% is less than Guideline CLTV of 89.99% | Original LTV is Below the Guideline Maximum - Calculated LTV of 61.1% is less than Guideline LTV of 89.99% | Resolved | 12/11/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 304894334 | FCRE8999 | 11/26/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 11/26/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 304894334 | FPRO8998 | 11/26/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 11/26/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 304894334 | FCOM8997 | 11/26/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 11/26/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 304896742 | FCOM3849 | 12/07/2025 | Compliance | Disclosure | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). Documentation required to clear exception, evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date XX/XX/XXXX. | XXX XX/XX/XXXX Please see the attached TRID Disclosure History and Appraisal Package that shows the borrower was sent the Appraisal Package on XX/XX/XXXX and consented to it on XXX/XXX. This meets the XXX business day cool off before the closing date of XX/XX/XXXX | Evidence of appraisal delivery provided. | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 75% is less than Guideline CLTV of 89.99% | Original LTV is Below the Guideline Maximum - Calculated LTV of 75% is less than Guideline LTV of 89.99% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 12/07/2025 | B | A | B | A | B | A | B | A | B | A | B | A | |
| XXX | XXXXX | 304896742 | FCRE8999 | 12/03/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 75% is less than Guideline CLTV of 89.99% | Original LTV is Below the Guideline Maximum - Calculated LTV of 75% is less than Guideline LTV of 89.99% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 12/03/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 304896742 | FPRO8998 | 12/03/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 75% is less than Guideline CLTV of 89.99% | Original LTV is Below the Guideline Maximum - Calculated LTV of 75% is less than Guideline LTV of 89.99% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 12/03/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 304860872 | FCRE1335 | 12/18/2025 | Credit | Missing Doc | Borrower 1 XXX Transcripts Missing | Borrower 1 XXX Transcripts Missing Missing borrower's XXX tax transcripts for income used for qualification. | Document Uploaded. XXX Transcripts | Borrower 1 XXX Transcripts Provided | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/18/2025 | D | A | D | A | D | A | D | A | D | A | D | A | |
| XXX | XXXXX | 304860872 | FCRE1365 | 12/16/2025 | Credit | Missing Doc | Borrower 2 XXX Transcripts Missing | Borrower 2 XXX Transcripts Missing Missing co-borrower's XXX tax transcripts for income used for qualification. | Document Uploaded. XXX Transcripts | Borrower 2 XXX Transcripts Provided or Not Applicable (Number of Borrowers equals XXX) | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/16/2025 | D | A | D | A | D | A | D | A | D | A | D | A | |
| XXX | XXXXX | 304860872 | FCRE1201 | 12/16/2025 | Credit | Missing Doc | Third Party Fraud Report not Provided | Missing Third Party Fraud Report Missing third party fraud report. File only contains copy of the Drive report. | ; Third Party Fraud Report is provided | Rescinded | A | A | A | A | A | A | A | A | A | A | A | A | ||||
| XXX | XXXXX | 304860872 | finding-3532 | 12/11/2025 | Compliance | TRID | Initial Closing Disclosure Delivery Date Test | Documentation required to clear exception: Proof of delivery/receipt of Initial CD dated XX/XX/XXXX at least XXX days prior to closing. This loan failed the initial closing disclosure delivery date test due to one of the following findings:(12 CFR §1026.19(f)(1)(ii) he initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than three business days before consummation. | Document Uploaded. Esigned initial CD and electronic tracking uploaded | Initial CD receipt date provided; exception resolved; Initial CD receipt date provided; exception resolved | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/11/2025 | C | A | C | A | C | A | C | A | C | A | C | A | |
| XXX | XXXXX | 304860872 | FPRO8998 | 12/04/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/04/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 304889764 | FPRO8998 | 01/14/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 01/14/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 304889764 | FCRE1184 | 01/08/2026 | Credit | Missing Doc | AUS Not Provided | Missing XXX loans require an AUS approval which was not in the file. Per XXX loan was approved by DU. The DU must not be ineligible for any reason other than the XXX. Additional conditions may exist pending review of the DU approval. | Document Uploaded. AUS | AUS is not missing; Client provided DU dated XX/XX/XXXX Approve/Ineligible. | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 01/08/2026 | D | A | D | A | D | A | D | A | D | A | D | A | |
| XXX | XXXXX | 304889764 | FCOM5135 | 12/31/2025 | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing Documentation required to clear exception: Please provide missing Affiliated Business Disclosure. | Investor Acknowledges exception | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Acknowledged | No | B | B | B | B | B | B | B | B | B | B | B | B | ||
| XXX | XXXXX | 304897415 | FCRE1186 | 01/12/2026 | Credit | Eligibility | Audited DTI Exceeds AUS DTI | Audited DTI of XXX% exceeds AUS DTI of XXX% DTI is over the limit of XXX% due to the second mortgage payment | XX/XX/XXXX - XXX: Apologies! Please see the attached completed WVOE. ; XX/XX/XXXX - XXX: XXXX recognizes that the borrower's DTI had been underStated. However, there is additional bonus income via XXXX that was not being considered for qualification. Please see the attached WVOE and income worksheet supporting XXX in monthly bonus income. When included, the borrower's DTI is recalculated at XXX% and the file is eligible. | Documentation provided is sufficient. Exception resolved. ; Audited DTI of XXX% is less than or equal to AUS DTI of XXX%; Audited DTI of XXX% exceeds AUS DTI of XXX%; WVOE shows no income. Please provide a WVOE showing the bonus income used. Exception remains. | Original LTV is Below the Guideline Maximum - Calculated LTV of 58.04% is less than Guideline LTV of 89.99% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 71.86% is less than Guideline CLTV of 89.99% | Resolved | 01/12/2026 | C | A | C | A | C | A | C | A | C | A | C | A | |
| XXX | XXXXX | 304897415 | finding-3532 | 12/11/2025 | Compliance | TRID | Initial Closing Disclosure Delivery Date Test | This loan failed the initial closing disclosure delivery date test due to one of the following findings:(12 CFR §1026.19(f)(1)(ii) he initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than three business days before consummation. The initial CD is missing from the loan file. The earliest CD in the loan file was issued on XX/XX/XXXX and signed XX/XX/XXXX. The violation can be cured by providing the initial CD as well as evidence showing that is was received by the consumer XXX business days prior to consummation on XX/XX/XXXX. | XXX XX/XX/XXXX Please see the attached TRID Disclosure History and Initial Closing Disclosure. | Initial CD provided; exception resolved | Original LTV is Below the Guideline Maximum - Calculated LTV of 58.04% is less than Guideline LTV of 89.99% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 71.86% is less than Guideline CLTV of 89.99% | Resolved | 12/11/2025 | C | A | C | A | C | A | C | A | C | A | C | A | |
| XXX | XXXXX | 304897415 | FPRO8998 | 12/08/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of 58.04% is less than Guideline LTV of 89.99% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 71.86% is less than Guideline CLTV of 89.99% | Resolved | 12/08/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 304905133 | FCOM8997 | 12/08/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of 72.23% is less than Guideline LTV of 89.99% | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 72.23% is less than Guideline CLTV of 89.99% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/08/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 304905133 | FCRE8999 | 12/08/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of 72.23% is less than Guideline LTV of 89.99% | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 72.23% is less than Guideline CLTV of 89.99% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/08/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 304905133 | FPRO8998 | 12/08/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of 72.23% is less than Guideline LTV of 89.99% | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 72.23% is less than Guideline CLTV of 89.99% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/08/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 304873948 | FCRE1186 | 12/03/2025 | Credit | Eligibility | Audited DTI Exceeds AUS DTI | Audited DTI of XXX% exceeds AUS DTI of XXX% Audit recalculated self-employment income for B1. The income has decreased from XXX to $XXX. Audit did not include vehicle milage because it was not filed on the tax returns on schedule C, Part IV. Audit did not include Non-recurring other income/loss (Vehicle Payments) because these were not filed on the tax returns on line XXX Due to DTI increase above XXX% Resubmission to the AUS is Required. | XX/XX/XXXX MM: XXX-XXX#XXX: $XXX= (XXX* XXX) / XXX #XXX $XXX= (XXX*XXX)=$XXX | | XXX-XXX #XXX =(XXX*XXX) / XXX#XXX: $XXX=(XXX*XXX) =$XXX | | Excluding XXX#XXX & XXX as paid by XXX. Hitting for liability not accounted for under line XXX | | The miles are reporting on form XXX for both years. | Documentation is sufficient. Explanation is adequate. Exception resolved.; Audited DTI of XXX% is less than or equal to AUS DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 73.14% is less than Guideline LTV of 89.99% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 73.14% is less than Guideline CLTV of 89.99% | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/03/2025 | C | A | C | A | C | A | C | A | C | A | C | A | |
| XXX | XXXXX | 304873948 | FCRE1185 | 12/03/2025 | Credit | Missing Doc | AUS Partially Provided | AUS Partially Provided. Missing AUS resubmission to support recalculated self-employment income for B1 in the amount of XXX and total verified Assets supporting XXX or at minimum XXX in Reserves (XXX months PITIA subject + XXX% UPB for other financed properties) and DTI not to exceed XXX%. If the assets resubmitted to the AUS differ from the accounts used to support XXX the new Asset Accounts must be provided for review with the AUS Resubmission. | XX/XX/XXXX MM: XXX-XXX#XXX: $XXX= (XXX* XXX) / XXX #XXX $XXX= (XXX*XXX)=$XXX | | XXX-XXX #XXX =(XXX*XXX) / XXX#XXX: $XXX=(XXX*XXX) =$XXX | | Excluding XXX#XXX & XXX as paid by XXX. Hitting for liability not accounted for under line XXX | | The miles are reporting on form XXX for both years. | Documentation is sufficient. Explanation is adequate. Exception resolved.; AUS is not incomplete | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 73.14% is less than Guideline LTV of 89.99% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 73.14% is less than Guideline CLTV of 89.99% | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/03/2025 | D | A | D | A | D | A | D | A | D | A | D | A | |
| XXX | XXXXX | 304873948 | FCOM8997 | 11/26/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 73.14% is less than Guideline LTV of 89.99% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 73.14% is less than Guideline CLTV of 89.99% | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 11/26/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 304873948 | FPRO8998 | 11/26/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 73.14% is less than Guideline LTV of 89.99% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 73.14% is less than Guideline CLTV of 89.99% | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 11/26/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 304874371 | FCOM8997 | 12/02/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/02/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 304874371 | FCRE8999 | 12/02/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/02/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 304874371 | FPRO8998 | 12/02/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/02/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 304891124 | FCRE8999 | 11/25/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 11/25/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 304891124 | FPRO8998 | 11/25/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 11/25/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 304896369 | FCOM8997 | 12/08/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/08/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 304896369 | FPRO8998 | 12/08/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/08/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 304896369 | FCRE8999 | 12/08/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/08/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 304908722 | finding-4033 | 12/19/2025 | Compliance | ComplianceEase | Qualified Mortgage Safe Harbor Threshold | This loan does not qualify for a safe harbor level of compliance with the qualified mortgage rule. (12 CFR §XXX(b)(XXX), (e)(XXX) his loan does not qualify for a safe harbor. The loan has an APR of XXX%. The APR threshold to qualify for a safe harbor is XXX% creditor or assignee of a qualified mortgage, that is not a higher-priced covered transaction, complies with the repayment ability requirements of paragraph (c) of this section. A creditor or assignee of a qualified mortgage, that is a higher-priced covered transaction, is presumed to comply with the repayment ability requirements of paragraph (c) of this section igher-priced covered transaction means a covered transaction with an annual percentage rate that exceeds the average prime offer rate for a comparable transaction as of the date the XXX is set by XX/XX/XXXX or more percentage points for a first-lien covered transaction, or by XX/XX/XXXX or more percentage points for a subordinate-lien covered transaction. Duplicate of HPML | XXX XX/XX/XXXX This is a cash out XXX product and is not subject to QM | Loan redesignated by Seller as NonQM. Condition cleared. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/19/2025 | A | A | A | A | A | A | A | A | A | A | A | A | |
| XXX | XXXXX | 304908722 | finding-4038 | 12/15/2025 | Compliance | ComplianceEase | Qualified Mortgage Lending Policy Points and Fees Test | This loan has points and fees that exceed the points and fees threshold. (12 CFR 1026.43(e)(3))The XXX is XXX or more, and the transaction's total points and fees is XXX which exceeds XXX percent of the total XXX of $XXX; orThe XXX is less than XXX but at least XXX and the transaction's total points and fees is XXX which exceeds $XXX; orThe XXX is less than XXX but at least XXX and the transaction's total points and fees is XXX which exceeds XXX percent of the total XXX of $XXX; orThe XXX is less than XXX but at least XXX and the transaction's total points and fees is XXX which exceeds $XXX; orThe XXX is less than XXX and the transaction's total points and fees is XXX which exceeds XXX percent of the total XXX of $XXX. Fees included are XXX discount and XXX Underwriting. APOR vs par rate is more than XXX% apart so no discount points could be excluded. | XXX XX/XX/XXXX This is a cash out XXX product and is not subject to QM. | Loan redesignated by Seller as NonQM. Condition cleared. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/15/2025 | C | A | C | A | C | A | C | A | C | A | C | A | |
| XXX | XXXXX | 304908722 | finding-4040 | 12/15/2025 | Compliance | ComplianceEase | Qualified Mortgage APR Threshold Test | This loan failed the qualified mortgage APR threshold test. (12 CFR §1026.43(e)(2)(vi))A qualified mortgage is a covered transaction which, among other requirements, is not negatively amortizing and:The note amount for a first lien is greater than or equal to ($XXX), and its APR calculated per the requirements of 12 CFR §1026.43(e)(2)(vi) is less than the APOR on the date the rate was set plus XXX%; orThe note amount for a first lien on a manufactured home is less than ($XXX), and its APR calculated per the requirements of 12 CFR §1026.43(e)(2)(vi) is less than the APOR on the date the rate was set plus XXX%; orThe note amount for a first lien a non-manufactured home is less than XXX but greater than or equal to ($XXX), and its APR calculated per the requirements of 12 CFR §1026.43(e)(2)(vi) is less than the APOR on the date the rate was set plus 3.5%; orThe note amount for a second lien is greater than or equal to ($80,XXX), and its APR calculated per the requirements of 12 CFR §1026.43(e)(2)(vi) is less than the APOR on the date the rate was set plus XXX%; orThe note amount on a first lien a non-manufactured home or a second lien is less than ($XXX), and its APR calculated per the requirements of 12 CFR §1026.43(e)(2)(vi) is less than the APOR on the date the rate was set plus XXX%. Fees included are XXX discount and XXX Underwriting. APOR vs par rate is more than XXX% apart so no discount points could be excluded. | XXX XX/XX/XXXX This is a cash out XXX product and is not subject to QM. | Loan redesignated by Seller as NonQM. Condition cleared. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/15/2025 | C | A | C | A | C | A | C | A | C | A | C | A | |
| XXX | XXXXX | 304908722 | finding-3526 | 12/13/2025 | Compliance | TRID | Revised Loan Estimate Delivery Date Test (prior to consummation) | This loan failed the revised loan estimate delivery date test (prior to consummation) due to one of the following findings: (12 CFR §1026.19(e)(4)(ii) he revised loan estimate delivery date is provided and the revised loan estimate method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the revised loan estimate delivery date is less than seven business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the revised loan estimate delivery date is less than four business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised loan estimate receipt date is provided and the revised loan estimate receipt date is less than four business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised loan estimate delivery date is on or after the initial closing disclosure delivery date he creditor shall not provide a revised version of the disclosures required under §1026.19(e)(1)(i) on or after the date on which the creditor provides the disclosures required under §1026.19(f)(1)(i). The consumer must receive a revised version of the disclosures required under §1026.19(e)(1)(i) not later than four business days prior to consummation. If the revised version of the disclosures required §1026.19(e)(1)(i) is not provided to the consumer in person, the consumer is considered to have received such version three business days after the creditor delivers or places such version in the mail. Without evidence of receipt, it is assumed that the disclosure dated XX/XX/XXXX was mailed, and therefore not received by the consumer XXX business days prior to the consummation date, XX/XX/XXXX. The defect can be cured by showing the consumer received the disclosure XXX business days prior to consummation. | XXX XX/XX/XXXX Please see the attached TRID Disclosure History and initial Loan Estimate that shows the borrower was sent the initial Loan Estimate on XX/XX/XXXX and consented to it on XXX/XXX. | Revised LE receipt date provided; Exception resolved; Revised LE receipt date provided; Exception resolved | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/13/2025 | C | A | C | A | C | A | C | A | C | A | C | A | |
| XXX | XXXXX | 304908722 | finding-3352 | 12/13/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML compliant | Informational | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/13/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 304908722 | FPRO8998 | 12/11/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/11/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 304908722 | FCRE8999 | 12/11/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/11/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 304907240 | FPRO9990 | 12/12/2025 | Property | Third Party Valuation | Third Party Valuation Product Not Provided within 10% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. UCDP not provided in file and no additional third-party valuation included. | XX/XX/XXXX tm: XXX appraisals were provided | Documentation is sufficient. 2nd appraisal provided. Exception resolved.; Third party valuation product provided within tolerance. | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/12/2025 | C | A | C | A | C | A | C | A | C | A | C | A | |
| XXX | XXXXX | 304907240 | FCOM8997 | 12/09/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/09/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 304907240 | FCRE8999 | 12/09/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/09/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 304904287 | FPRO8998 | 12/16/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 80% | Resolved | 12/16/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 304904287 | FCOM8997 | 12/16/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 80% | Resolved | 12/16/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 304904287 | FCRE8999 | 12/16/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 80% | Resolved | 12/16/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 304874931 | FPRO8998 | 12/05/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/05/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 304874931 | FCOM8997 | 12/05/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/05/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 304874931 | FCRE1201 | 12/05/2025 | Credit | Missing Doc | Third Party Fraud Report not Provided | Missing Third Party Fraud Report Program guidelines require a FraudGuard report which will include a loan-level information on valuation, fraud detection and include a comparison of all participant names against industry watch and exclusionary lists such as OFAC. | Document Uploaded. | Third Party Fraud Report is provided; Fraud provided | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/05/2025 | D | A | D | A | D | A | D | A | D | A | D | A | |
| XXX | XXXXX | 304905002 | FCRE8999 | 12/17/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 80% | Resolved | 12/17/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 304905002 | FPRO8998 | 12/17/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 80% | Resolved | 12/17/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 304905002 | FCOM5135 | 12/17/2025 | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing | Condition acknowledged by investor. | Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 80% | Acknowledged | No | B | B | B | B | B | B | B | B | B | B | B | B | ||
| XXX | XXXXX | 304868790 | finding-3634 | 12/09/2025 | Compliance | TRID Tolerance | Charges That Cannot Increase Test | 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) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n 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). TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of XXX is due to increase of the appraisal fee from XXX to XXX without a valid COC in file | Document Uploaded. Updated COC.; Document Uploaded. COC uploaded | Valid COC provided; Exception resolved; Valid COC provided; Exception resolved; The COC indicates the change date of XX/XX/XXXX but the increase was disclosed on XX/XX/XXXX | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 12/09/2025 | C | A | C | A | C | A | C | A | C | A | C | A | |
| XXX | XXXXX | 304868790 | FCOM1887 | 12/08/2025 | Compliance | Missing Doc | Missing QM/ATR Checklist | Missing completed Compliance Report to determine the loan is XXX. Compliance report pg. XXX is incomplete and has everything pending | Document Uploaded. Compliance Report uploaded | XXX provided | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 12/08/2025 | D | A | D | A | D | A | D | A | D | A | D | A | |
| XXX | XXXXX | 304868790 | FCRE8999 | 12/01/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 12/01/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 304868790 | FPRO8998 | 12/01/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 12/01/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 304933520 | FCRE8999 | 12/17/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/17/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 304933520 | FPRO8998 | 12/17/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/17/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 304933520 | FCOM5135 | 12/12/2025 | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing Documentation required to clear exception: Please provide missing Affiliated Business Disclosure. | Investor acknowledges exception | Borrower has stable job time - Borrower has XXX years on job. | Acknowledged | No | B | B | B | B | B | B | B | B | B | B | B | B | ||
| XXX | XXXXX | 304874930 | FCOM5135 | 12/08/2025 | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing Per the Privacy Disclosure, XXX has affiliates. Provide the affiliated business disclosure and proof sent to the borrower within XXX business days of application XX/XX/XXXX. | Investor Acknowledges | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Acknowledged | No | B | B | B | B | B | B | B | B | B | B | B | B | ||
| XXX | XXXXX | 304874930 | FPRO8998 | 12/08/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/08/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 304874930 | FCRE8999 | 12/08/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/08/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305023801 | FCRE1335 | 03/05/2026 | Credit | Missing Doc | Borrower 1 XXX Transcripts Missing | Borrower 1 XXX Transcripts Missing XXX yrs transcripts are required for all employment, only XXX was provided. Please provided XXX transcripts | Document Uploaded. Seller response that only XXX income was used to qualify | Borrower 1 XXX Transcripts Provided; Client States - only XXX tax returns were used to qualify borrower. Per Guidelines transcripts are required only for years being used for qualification. XXX not used. Cleared. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 03/05/2026 | D | A | D | A | D | A | D | A | D | A | D | A | |
| XXX | XXXXX | 305023801 | FPRO8998 | 01/14/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 01/14/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305023801 | FCOM5135 | 03/09/2026 | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing Showing evidence that the borrower received the disclosure within XXX business days of application, XX/XX/XXXX, may cure the violation. | Investor acknowledges exception | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Acknowledged | No | B | B | B | B | B | B | B | B | B | B | B | B | ||
| XXX | XXXXX | 304905159 | FCRE8999 | 12/16/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/16/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 304905159 | FPRO8998 | 12/16/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/16/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 304905159 | FCOM8997 | 12/16/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/16/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 304876072 | FCRE3653 | 12/05/2025 | Credit | Missing Doc | Missing letter of explanation | The file is missing clarification/documentation supporting the borrower XXX has no association with seller XXX | Invalid finding; condition rescinded | Rescinded | A | A | A | A | A | A | A | A | A | A | A | A | ||||
| XXX | XXXXX | 304876072 | FCOM5135 | 12/03/2025 | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing Missing Affiliated Business Disclosure, Privacy Disclosure in file indicates lender has affiliates. | Please cancel, we do not test for ABA unless the doc is in the file and does meet timing. If you cannot cancel, please acknowledge as non-material. | Investor Acknowledges exception | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Acknowledged | No | B | B | B | B | B | B | B | B | B | B | B | B | |
| XXX | XXXXX | 304876072 | FPRO8998 | 12/01/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/01/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 304896187 | FCOM5135 | 12/03/2025 | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing Documentation required to clear exception: Please provide Affiliated Business Disclosure within XXX days of application date XX/XX/XXXX or provide confirmation the lender has no affiliates.. | Please cancel, we do not test for ABA unless the doc is in the file and does meet timing. If you cannot cancel, please acknowledge as non-material. | Investor Acknowledges exception | Original LTV is Below the Guideline Maximum - Calculated LTV of 58.67% is less than Guideline LTV of 89.99% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 58.67% is less than Guideline CLTV of 89.99% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Acknowledged | No | B | B | B | B | B | B | B | B | B | B | B | B | |
| XXX | XXXXX | 304896187 | FCRE8999 | 12/01/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of 58.67% is less than Guideline LTV of 89.99% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 58.67% is less than Guideline CLTV of 89.99% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 12/01/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 304896187 | FPRO8998 | 12/01/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of 58.67% is less than Guideline LTV of 89.99% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 58.67% is less than Guideline CLTV of 89.99% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 12/01/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305027116 | FPRO8998 | 01/14/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of 63.33% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 63.33% is less than Guideline CLTV of 80% | Resolved | 01/14/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305027116 | FCRE8999 | 01/14/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of 63.33% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 63.33% is less than Guideline CLTV of 80% | Resolved | 01/14/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305027116 | FCOM5135 | 12/29/2025 | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing Provide the affiliated business disclosure and proof sent to the borrower within XXX business days of application XX/XX/XXXX. | Investor acknowledges | Original LTV is Below the Guideline Maximum - Calculated LTV of 63.33% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 63.33% is less than Guideline CLTV of 80% | Acknowledged | No | B | B | B | B | B | B | B | B | B | B | B | B | ||
| XXX | XXXXX | 305029742 | FPRO8998 | 01/14/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 01/14/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305029742 | FCRE8999 | 01/14/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 01/14/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305029742 | FCOM5135 | 03/09/2026 | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing Per the Privacy Notice, XXX has affiliates. Provide the affiliated business disclosure and proof sent to the borrower within XXX business days of application XX/XX/XXXX. | Investor acknowledges exception | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Acknowledged | No | B | B | B | B | B | B | B | B | B | B | B | B | ||
| XXX | XXXXX | 304895527 | FPRO8998 | 12/17/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/17/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 304895527 | FCRE8999 | 12/17/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/17/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 304895527 | FCOM5135 | 12/11/2025 | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing Provide ABD or confirm the lender does not have affiliates or no referral was made to an affiliate | Investor acknowledges condition. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Acknowledged | No | B | B | B | B | B | B | B | B | B | B | B | B | ||
| XXX | XXXXX | 304903213 | FCRE1330 | 12/12/2025 | Credit | Missing Doc | Borrower 1 Paystubs Missing | Borrower 1 Paystubs Missing B1’s most recent paystub from XXX (hire date XX/XX/XXXX) is required to meet FNMA B3-XXX-XXX, Comprehensive Risk Assessment, for manually underwritten loan file. The provided FNMA automated recommendation does not indicate additional submission to include B1's new employer and hire date, this would prompt additional findings. | Document Uploaded. AUS; Document Uploaded. Per Lender: Not required. Thanks! | Borrower 1 Paystubs Provided; AUS must be re-run excluding the Vendor and XXXX, as the new employer has no established association, which will trigger findings consistent with XXX guidance and ensure AUS results align with program requirements under XXX v13 (dated XX/XX/XXXX, Section XX/XX/XXXX Employment and Income) and Agency selling guide standards, thereby supporting audit to validate the loan file. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 12/12/2025 | D | A | D | A | D | A | D | A | D | A | D | A | |
| XXX | XXXXX | 304903213 | FCRE1185 | 12/12/2025 | Credit | Missing Doc | AUS Partially Provided | AUS Partially Provided AUS must be re-run excluding the Vendor and XXXX, as the new employer has no established association, which will trigger findings consistent with XXX guidance and ensure AUS results align with program requirements under XXX v13 (dated XX/XX/XXXX, Section XX/XX/XXXX Employment and Income) and Agency selling guide standards, thereby supporting audit to validate the loan file. | Document Uploaded. AUS | AUS is not incomplete | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 12/12/2025 | D | A | D | A | D | A | D | A | D | A | D | A | |
| XXX | XXXXX | 304903213 | FPRO8998 | 12/05/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 12/05/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 304903213 | FCOM5135 | 12/03/2025 | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing Showing evidence that the borrowers received the disclosure within XXX business days of application, XX/XX/XXXX, may cure the violation. | Investor Acknowledges exception; Investor acknowledged exception | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Acknowledged | No | B | B | B | B | B | B | B | B | B | B | B | B | ||
| XXX | XXXXX | 304874864 | FCOM8997 | 12/17/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/17/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 304874864 | FCRE8999 | 12/17/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/17/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 304874864 | FPRO8998 | 12/17/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/17/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 304893722 | FCRE7497 | 01/07/2026 | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | The application reflects property located at XXX was refinanced into XXX #XXX and paid off XXX #XXX. The application reflects a mortgage payment of XXX including taxes and insurance. The Addendum to Closing Instructions reflected a condition to provide the Final CD, Note and Deed of Trust for concurrent close XXX The loan file did not contain these items for proof the old mortgage was paid off and new loan information. | Document Uploaded. Note, CD, DOT | Client provided Closing disclosure, CD reflects payoff, Note and Deed of Trust for XXX. Cleared. | Original LTV is Below the Guideline Maximum - Calculated LTV of 65% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 65% is less than Guideline CLTV of 80% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 01/07/2026 | D | A | D | A | D | A | D | A | D | A | D | A | |
| XXX | XXXXX | 304893722 | FPRO8998 | 12/26/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan. | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of 65% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 65% is less than Guideline CLTV of 80% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/26/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 304893722 | FCOM8997 | 12/26/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of 65% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 65% is less than Guideline CLTV of 80% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/26/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 304908601 | FCRE1148 | 12/24/2025 | Credit | Title | Title Coverage is Less than Subject Lien | Title Coverage Amount of XXX is Less than Total Amount of Subject Lien XXX | Document Uploaded. TITLE | Title Coverage Amount of XXX is equal to or greater than Total Amount of Subject Lien $XXX; XXXX Commitment Provided | Original LTV is Below the Guideline Maximum - Calculated LTV of 64.39% is less than Guideline LTV of 89.99% | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 64.39% is less than Guideline CLTV of 89.99% | Resolved | 12/24/2025 | B | A | B | A | B | A | B | A | B | A | B | A | |
| XXX | XXXXX | 304908601 | FCOM8997 | 12/17/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of 64.39% is less than Guideline LTV of 89.99% | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 64.39% is less than Guideline CLTV of 89.99% | Resolved | 12/17/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 304908601 | FPRO8998 | 12/17/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of 64.39% is less than Guideline LTV of 89.99% | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 64.39% is less than Guideline CLTV of 89.99% | Resolved | 12/17/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 304874915 | FPRO8998 | 01/14/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 75% is less than Guideline LTV of 89.99% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 75% is less than Guideline CLTV of 89.99% | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/14/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 304874915 | FCRE8999 | 01/14/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 75% is less than Guideline LTV of 89.99% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 75% is less than Guideline CLTV of 89.99% | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/14/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 304874915 | FCOM3849 | 12/31/2025 | Compliance | Disclosure | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). The document in file indicates that the borrower either received or chose to waive the right to receive the appraisal at least XXX days prior to consummation but does not confirm the borrower received the appraisal at or prior to consummation since they chose to waive the XXX days right to receive the appraisal. Since the document doesn't indicate which option the borrower is signing to acknowledge, provide documentation to show the date the borrower received the appraisal to confirm it was received by the borrower timely | Please acknowledge as non material exception; Document Uploaded. Appraisal delivery. | Acknowledged per client; The document provided indicates that the borrower either received or chose to waive the right to receive the appraisal at least XXX days prior to consummation but does not confirm the borrower received the appraisal at or prior to consummation if they chose to waive the XXX days right to receive the appraisal. Provide documentation to show the date the borrower received the appraisal to confirm it was received by the borrower timely | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 75% is less than Guideline LTV of 89.99% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 75% is less than Guideline CLTV of 89.99% | Borrower has stable job time - Borrower has XXX years on job. | Acknowledged | No | B | B | B | B | B | B | B | B | B | B | B | B | |
| XXX | XXXXX | 304909795 | FCOM8997 | 01/13/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 01/13/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 304909795 | FPRO8998 | 01/13/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 01/13/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 304909795 | FCRE8999 | 01/13/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 01/13/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305031253 | FCOM1225 | 01/13/2026 | Credit | Missing Doc | Second Home Rider is Missing | Second Home Rider is MISSING MORTGAGE and Rider are missing. | Please see uploaded 2nd home rider | The Second Home Rider is Present or Not Applicable (Occupancy is Second Home); Executed DOT and rider provided | Original LTV is Below the Guideline Maximum - Calculated LTV of 48.82% is less than Guideline LTV of 65% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 48.82% is less than Guideline CLTV of 65% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 01/13/2026 | D | A | D | A | D | A | D | A | D | A | D | A | |
| XXX | XXXXX | 305031253 | FCOM1220 | 01/13/2026 | Credit | Closing | The Deed of Trust is Missing | The Deed of Trust is Missing The Mortgage is missing. | Document Uploaded. Deed of trust uploaded | The Deed of Trust is Present; Executed DOT provided | Original LTV is Below the Guideline Maximum - Calculated LTV of 48.82% is less than Guideline LTV of 65% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 48.82% is less than Guideline CLTV of 65% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 01/13/2026 | D | A | D | A | D | A | D | A | D | A | D | A | |
| XXX | XXXXX | 305031253 | FCOM8997 | 01/05/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of 48.82% is less than Guideline LTV of 65% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 48.82% is less than Guideline CLTV of 65% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 01/05/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305031253 | FPRO8998 | 01/05/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of 48.82% is less than Guideline LTV of 65% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 48.82% is less than Guideline CLTV of 65% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 01/05/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 304893409 | finding-4033 | 12/09/2025 | Compliance | ComplianceEase | Qualified Mortgage Safe Harbor Threshold | This loan does not qualify for a safe harbor level of compliance with the qualified mortgage rule. (12 CFR §XXX(b)(XXX), (e)(XXX) his loan does not qualify for a safe harbor. The loan has an APR of XXX%. The APR threshold to qualify for a safe harbor is XXX% creditor or assignee of a qualified mortgage, that is not a higher-priced covered transaction, complies with the repayment ability requirements of paragraph (c) of this section. A creditor or assignee of a qualified mortgage, that is a higher-priced covered transaction, is presumed to comply with the repayment ability requirements of paragraph (c) of this section igher-priced covered transaction means a covered transaction with an annual percentage rate that exceeds the average prime offer rate for a comparable transaction as of the date the XXX is set by XX/XX/XXXX or more percentage points for a first-lien covered transaction, or by XX/XX/XXXX or more percentage points for a subordinate-lien covered transaction. This loan does not qualify for a safe harbor level of compliance with the qualified mortgage rule. (12 CFR §XXX(b)(XXX), (e)(XXX) his loan does not qualify for a safe harbor. The loan has an APR of XXX%. The APR threshold to qualify for a safe harbor is XXX% creditor or assignee of a qualified mortgage, that is not a higher-priced covered transaction, complies with the repayment ability requirements of paragraph (c) of this section. A creditor or assignee of a qualified mortgage, that is a higher-priced covered transaction, is presumed to comply with the repayment ability requirements of paragraph (c) of this section igher-priced covered transaction means a covered transaction with an annual percentage rate that exceeds the average prime offer rate for a comparable transaction as of the date the XXX is set by XX/XX/XXXX or more percentage points for a first-lien covered transaction, or by XX/XX/XXXX or more percentage points for a subordinate-lien covered transaction. | Lender acknowledges exception; HPML Compliant | Borrower has stable job time - Borrower has XXX years on job. | Acknowledged | No | B | B | B | B | B | B | B | B | B | B | B | B | ||
| XXX | XXXXX | 304893409 | FCRE1185 | 12/09/2025 | Credit | Missing Doc | AUS Partially Provided | AUS must be Ineligible only due to XXX. AUS provided shows additional Risk for Funds to close. | Document Uploaded. Investor Exception; Document Uploaded. DU uploaded. | ; Received Early Check results and meets cited Condition. | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/09/2025 | D | A | D | A | D | A | D | A | D | A | D | A | |
| XXX | XXXXX | 304893409 | FCOM3849 | 12/08/2025 | Compliance | Disclosure | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). The document in file indicates that the borrower either received or chose to waive the right to receive the appraisal at least XXX days prior to consummation but does not confirm the borrower received the appraisal at or prior to consummation since they chose to waive the XXX days right to receive the appraisal. Since the document doesn't indicate which option the borrower is signing to acknowledge, provide documentation to show the date the borrower received the appraisal to confirm it was received by the borrower timely | Document Uploaded. | Evidence of appraisal delivery provided. | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/08/2025 | B | A | B | A | B | A | B | A | B | A | B | A | |
| XXX | XXXXX | 304893409 | FCRE8999 | 12/01/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/01/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 304893409 | FPRO8998 | 12/01/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/01/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 304905169 | FCRE2371 | 01/08/2026 | Credit | Missing Doc | Missing final HUD-1 from sale of non-subject property | The Final 1003 indicates property on XXX was sold. The associated mortgage payment of XXX with XXX was not included in the XXX DTI calculation, but was included in the DU DTI calculation. The file contains an unsigned Closing Disclosure (CD) dated XX/XX/XXXX indicating property was sold to a relative, but there is a credit supplement dated XX/XX/XXXX indicating that the XXX is still open. Confirm the status of the property. If the property has not sold, provide a mortgage account Statement from PHH. If the property did sell, provide the final, executed CD. | Document Uploaded. AUS and CD | Client provided updated 1008 and 1003 reflect the property being retained. The property was added into LM matches original DU. Cleared. | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 01/08/2026 | D | A | D | A | D | A | D | A | D | A | D | A | |
| XXX | XXXXX | 304905169 | FPRO8998 | 12/23/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 12/23/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 304905169 | FCOM8997 | 12/23/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 12/23/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 304872040 | FCOM1227 | 12/18/2025 | Credit | Missing Doc | PUD Rider is Missing | PUD Rider is Missing PUD Rider is Missing | title confirmation | Documentation is sufficient. LOE States not a PUD. Exception resolved.; The PUD Rider is Present or is Not Applicable (XXX is XXX) | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/18/2025 | D | A | D | A | D | A | D | A | D | A | D | A | |
| XXX | XXXXX | 304872040 | FPRO8998 | 12/16/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan. | Informational Only | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/16/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 304872040 | FCOM8997 | 12/16/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/16/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 304897395 | FPRO8998 | 12/05/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 66.43% is less than Guideline CLTV of 85% | Original LTV is Below the Guideline Maximum - Calculated LTV of 66.43% is less than Guideline LTV of 85% | Resolved | 12/05/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 304897395 | FCOM8997 | 12/05/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 66.43% is less than Guideline CLTV of 85% | Original LTV is Below the Guideline Maximum - Calculated LTV of 66.43% is less than Guideline LTV of 85% | Resolved | 12/05/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 304897395 | FCRE8999 | 12/05/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 66.43% is less than Guideline CLTV of 85% | Original LTV is Below the Guideline Maximum - Calculated LTV of 66.43% is less than Guideline LTV of 85% | Resolved | 12/05/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 304909880 | FCOM9186 | 01/05/2026 | Compliance | Missing Doc | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. Provide the e-consent dated on or prior to the earliest electronic signature XX/XX/XXXX. | Document Uploaded. For all XXXX files, please see the "Loan Application Printout" provided in their files. (Doc is re-uploaded here) The Econsent is accepted as part of the form the borrower completes prior to submitting the loan application form online - the agreement is the last page (s) of the document and the date that it was accepted by them is on page XXX | Evidence of eConsent is provided. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 80% | Resolved | 01/05/2026 | B | A | B | A | B | A | B | A | B | A | B | A | |
| XXX | XXXXX | 304909880 | FPRO8998 | 12/30/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 80% | Resolved | 12/30/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 304909880 | FCRE8999 | 12/30/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 80% | Resolved | 12/30/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 304893392 | FCRE1482 | 12/26/2025 | Credit | Assets | Asset 4 Does Not Meet Guideline Requirements | Asset 4 Does Not Meet Guideline Requirements AUS requires XXX mos bank Statements to support assets, XXX # XXX only provided one month at time of review. | Asset 4 Meets Guideline Requirements Or Not Applicable | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/26/2025 | C | A | C | A | C | A | C | A | C | A | C | A | ||
| XXX | XXXXX | 304893392 | FCRE1479 | 12/26/2025 | Credit | Assets | Asset 1 Does Not Meet Guideline Requirements | Asset Record XXX Does Not Meet G/L Requirements. AUS requires XXX mos bank Statements to support assets were not provided at the time of review. | Duplicate condition. Per email and update from XXX, only acct XXX is missing an additional Statement. | Asset Record XXX Meets G/L Requirements | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/26/2025 | C | A | C | A | C | A | C | A | C | A | C | A | |
| XXX | XXXXX | 304893392 | FPRO8998 | 12/17/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/17/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 304893392 | FCOM8997 | 12/17/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/17/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 304893399 | FCRE1316 | 03/05/2026 | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party VOE Prior to Close Missing Provide VVOE for B1 for following companies: XXX, XXX | Document Uploaded. VOE | Client provided VVOE for XXX, XXX. Cleared.; Borrower 1 3rd Party VOE Prior to Close Was Provided | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 79.35% is less than Guideline CLTV of 89.99% | Original LTV is Below the Guideline Maximum - Calculated LTV of 79.35% is less than Guideline LTV of 89.99% | Resolved | 03/05/2026 | D | A | D | A | D | A | D | A | D | A | D | A | |
| XXX | XXXXX | 304893399 | finding-3634 | 12/22/2025 | Compliance | TRID Tolerance | Charges That Cannot Increase Test | 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) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n 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). TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of XXX is due to increase from XXX to XXX for the credit report fee. The change occurred on CD issued XX/XX/XXXX without a valid COC. Although there is a COC found on page XXX issued XX/XX/XXXX, the reason indicates receipt of an invoice which is not a valid COC | Document Uploaded. COC uploaded; Document Uploaded. COC and disclosure attached | Valid COC provided; exception resolved; Valid COC provided; exception resolved; COC found on page XXX in original file and provided XX/XX/XXXX, issued XX/XX/XXXX, the reason indicates receipt of an invoice which is not a valid COC. Exception remains, please provide cure package. | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 79.35% is less than Guideline CLTV of 89.99% | Original LTV is Below the Guideline Maximum - Calculated LTV of 79.35% is less than Guideline LTV of 89.99% | Resolved | 12/22/2025 | C | A | C | A | C | A | C | A | C | A | C | A | |
| XXX | XXXXX | 304893399 | FCRE1253 | 12/19/2025 | Credit | Eligibility | Missing Property Tax Cert | Missing Property Tax Cert Missing documentatio to support the taxes used in qualifying in the amount of $XXX. | Document Uploaded. This is a XXX Purchase. We qualified the borrower(s) at XXX% of the sales price which is XXX a month per XXX.; Document Uploaded. Tax bill | Property qualified at XXX% of purchase price ; Property Tax Cert Provided; Provide a XXX property tax assessment calculation supporting an annual property tax amount of XXX for the subject property. | Rescinded | A | A | A | A | A | A | A | A | A | A | A | A | |||
| XXX | XXXXX | 304893399 | FPRO8998 | 12/17/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 79.35% is less than Guideline CLTV of 89.99% | Original LTV is Below the Guideline Maximum - Calculated LTV of 79.35% is less than Guideline LTV of 89.99% | Resolved | 12/17/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 304893399 | FCOM5135 | 12/10/2025 | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing Showing evidence that the disclosure was provided to the borrowers within XXX business days of application, XX/XX/XXXX, may cure the violation. | Investor acknowledges finding. | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 79.35% is less than Guideline CLTV of 89.99% | Original LTV is Below the Guideline Maximum - Calculated LTV of 79.35% is less than Guideline LTV of 89.99% | Acknowledged | No | B | B | B | B | B | B | B | B | B | B | B | B | ||
| XXX | XXXXX | 305026146 | FCRE8999 | 01/14/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/14/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305026146 | FPRO8998 | 01/14/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/14/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305026146 | FCOM9186 | 01/07/2026 | Compliance | Missing Doc | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. Provide the e-consent dated on or prior to the earliest electronic signature XX/XX/XXXX. | Document Uploaded. This is a XXXX file - please see the Loan Application Printout in their files. Acceptance date is on page XXX Econsent is the final page(s). Please make a note of this for future files. | Evidence of eConsent is provided. | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/07/2026 | B | A | B | A | B | A | B | A | B | A | B | A | |
| XXX | XXXXX | 304911025 | FPRO8998 | 12/17/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan. | Informational Only | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 12/17/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 304911025 | FCOM8997 | 12/17/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 12/17/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 304911025 | FCRE1152 | 12/17/2025 | Credit | Missing Doc | Evidence of Property Tax Missing | The loan file contained a tax bill for property located at XXX with zip code of XXX This Statement per letter of explanation is for the XXX, XXX. The copy provided is cut off on the right side reflecting the amount of property taxes. The initial underwriter used XXX for taxes and insurance. The insurance Statement reflected a monthly payment of $XXX. Leaving XXX for the property taxes. | Document Uploaded. LOE | Lender provided Tax document. Cleared | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 12/17/2025 | D | A | D | A | D | A | D | A | D | A | D | A | |
| XXX | XXXXX | 304911025 | FPRO9990 | 12/15/2025 | Property | Third Party Valuation | Third Party Valuation Product Not Provided within 10% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. | ; Third party valuation product provided within tolerance. | Rescinded | A | A | A | A | A | A | A | A | A | A | A | A | ||||
| XXX | XXXXX | 304873859 | finding-3652 | 12/05/2025 | Compliance | TRID Tolerance | Lender Credits That Cannot Decrease Test | This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i) he loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits XXX does not exceed or equal the comparable sum of specific and non-specific lender credits ($XXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n 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). TILA 130b Cure Required. Refund in the amount of $XXX, cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The Lender credit decreased on the CD issued on XX/XX/XXXX without a COC in file. The reason appears to be due to a XXX change, however the date the XXX was requested to be changed was not in file. | Document Uploaded. LOE to borrower, PCCD, copy of refund check and shipping label uploaded; Lender credit is XXX% XXX decreased therefore change is valid. | Cure package provided to the borrower; exception downgraded to a 2/B; | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Cured | C | B | C | B | C | B | C | B | C | B | C | B | ||
| XXX | XXXXX | 304873859 | FPRO8998 | 12/01/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/01/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 304873859 | FCRE8999 | 12/01/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/01/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 304909759 | FCRE8999 | 12/17/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/17/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 304909759 | FPRO8998 | 12/17/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/17/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 304909759 | FCOM5135 | 12/17/2025 | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing Documentation required to clear exception: Please provide missing Affiliated Business Disclosure. | Exception acknowledged by investor. | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Acknowledged | No | B | B | B | B | B | B | B | B | B | B | B | B | ||
| XXX | XXXXX | 304904284 | FCRE1335 | 01/23/2026 | Credit | Missing Doc | Borrower 1 XXX Transcripts Missing | Borrower 1 XXX Transcripts Missing XXX Years Tax transcripts are required to be obtained from the XXX only for income for years being used for qualification per lender guidelines | Document Uploaded. Transcripts; Document Uploaded. ; Document Uploaded. Tax transcripts | Client provided XXX Transcripts for the Borrower for the years XXX and XXX LM Updated.; Borrower 1 XXX Transcripts Provided; Client provided email stating the XXX Transcripts have been ordered and received. However, Document XXXX Transcripts did not load. Unable to view document. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 01/23/2026 | D | A | D | A | D | A | D | A | D | A | D | A | |
| XXX | XXXXX | 304904284 | FPRO8998 | 01/13/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 01/13/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 304904284 | FCOM8997 | 01/13/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 01/13/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 304908679 | FCOM5135 | 01/22/2026 | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing Documentation required to clear exception: Please provide Affiliated Business Disclosure within XXX days of application date XX/XX/XXXX or provide confirmation the lender has no affiliates. | Investor acknowledges exception. | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Acknowledged | No | B | B | B | B | B | B | B | B | B | B | B | B | ||
| XXX | XXXXX | 304908679 | FPRO8998 | 01/22/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 01/22/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 304908679 | FCRE8999 | 01/22/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 01/22/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305013568 | FCOM8997 | 01/13/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/13/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305013568 | FPRO8998 | 01/13/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/13/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305013568 | FCRE1335 | 01/12/2026 | Credit | Missing Doc | Borrower 1 XXX Transcripts Missing | Borrower 1 XXX Transcripts Missing Tax transcript for XXX was not available at the time of review. | Document Uploaded. XXX Tax Transcripts | Borrower 1 XXX Transcripts Provided; XXX transcripts provided | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/12/2026 | D | A | D | A | D | A | D | A | D | A | D | A | |
| XXX | XXXXX | 305024032 | FPRO9990 | 03/04/2026 | Property | Third Party Valuation | Third Party Valuation Product Not Provided within 10% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Missing desk review | Document Uploaded. 2nd appraisal reloaded; Document Uploaded. Second appraisal; Per guidelines, loans with XXX appraisals do not require a third party valuation product | Third party valuation product provided within tolerance.; Client provided 2nd Appraisal dated XX/XX/XXXX. LM Updated.; Document failed to load, unable to view documents.; The subject file only contains XXX Appraisal. Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Missing desk review. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 03/04/2026 | C | A | C | A | C | A | C | A | C | A | C | A | |
| XXX | XXXXX | 305024032 | FCOM8997 | 01/13/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/13/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305024032 | FCRE8999 | 01/13/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/13/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305027110 | FCRE1764 | 01/19/2026 | Credit | Missing Doc | Missing Verification of Mortgage | MISSING MORTGAGE Statement from XXX with PITI breakdown for REO XXX, XXX | Document Uploaded. XXX XXX docs | Client provided XXXX Property Report reflecting property taxes for XXX - XXX LOE property is not part of HOA, Mortgage Statement reflecting escrowed and Credit Report dated XX/XX/XXXX reflecting Verification of Mortgage XX/XX/XXXX Next due XX/XX/XXXX. LM Updated. Cleared. | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/19/2026 | D | A | D | A | D | A | D | A | D | A | D | A | |
| XXX | XXXXX | 305027110 | FCOM1621 | 01/14/2026 | Compliance | Missing Doc | Missing Initial Escrow Disclosure | Initial Escrow Account Disclosure is Missing Documentation required to clear exception: Please provide evidence that the borrowers received the disclosure may cure the violation. | Document Uploaded. Signed and dated Initial Escrow Account Disclosure | Initial Escrow Account Disclosure is Resolved | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/14/2026 | B | A | B | A | B | A | B | A | B | A | B | A | |
| XXX | XXXXX | 305027110 | FPRO8998 | 01/13/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/13/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305033643 | FPRO9990 | 01/15/2026 | Property | Third Party Valuation | Third Party Valuation Product Not Provided within 10% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. File only contains one appraisal and LCA score XXX is greater than XXX. | Document Uploaded. Please see attached. Thank you; Provide additional XXX due to XXX greater than XXX Two XXX full appraisals are required for XXXs >$XXX. LTV/CLTV will be based on the lower of the two values. All inconsistencies between the two appraisals must be addressed and reconciled. | Client provided Reconsideration of Value / 2nd Appraisal. LM Updated.; Third party valuation product provided within tolerance.; Third Party Valuation Product Not Provided or Not Provided Within Tolerance.; Provide additional XXX due to XXX greater than XXX Two XXX full appraisals are required for XXXs >$XXX. LTV/CLTV will be based on the lower of the two values. All inconsistencies between the two appraisals must be addressed and reconciled. | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/15/2026 | C | A | C | A | C | A | C | A | C | A | C | A | |
| XXX | XXXXX | 305033643 | FCRE1185 | 01/15/2026 | Credit | Missing Doc | AUS Partially Provided | AUS Partially Provided Provide updated AUS with only risk eligibility of XXX. Subordinate financing must be completed and resubmitted per AUS. | Document Uploaded. Attached updated AUS. | AUS is not incomplete; Client provided updated DU dated XX/XX/XXXX. Updated LM. | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/15/2026 | D | A | D | A | D | A | D | A | D | A | D | A | |
| XXX | XXXXX | 305033643 | FCRE1241 | 01/15/2026 | Credit | Missing Doc | Purchase Contract is Missing | Loan Purpose is Purchase but Purchase Contract Doc is Missing | Document Uploaded. Please see attached the Purchase Contract | Purchase Contract Doc is not Missing, or is Not Applicable.; Client provided Purchase Contract and Addendums. Updated LM.; ; Purchase Contract Doc is not Missing, or is Not Applicable. | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/15/2026 | D | A | D | A | D | A | D | A | D | A | D | A | |
| XXX | XXXXX | 305033643 | finding-3634 | 01/14/2026 | Compliance | TRID Tolerance | Charges That Cannot Increase Test | 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) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n 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). TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of XXX is due to increase from XXX to XXX for the Appraisal Fee. The appraisal fee initially increased to XXX on LE XX/XX/XXXX and was then reduced to XXX on CD XX/XX/XXXX. Providing a valid reason for the change within XXX business days of when the change occurred may cure the violation. | Document Uploaded. COCs uploaded | Valid COC provided; exception resolved; Valid COC provided; exception resolved | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/14/2026 | C | A | C | A | C | A | C | A | C | A | C | A | |
| XXX | XXXXX | 305033643 | FCRE8999 | 01/12/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/12/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305032520 | FPRO0951 | 01/23/2026 | Property | Missing Doc | Condo Approval Missing | Condo Approval Missing. Missing documentation from the lender/seller confirming the XXXX is warrantable (Fannie Mae Project approval required for the subject property). Please provide CPM or PERS approval. Alternatively, the Seller can provide an attestation on letter head signed by the underwriter stating that the property meets FNMA warrantability | Document Uploaded. FNMA Warrantable | Condo Approval is provided.; Client provided Full/Limited/Streamline Review Checklist reflecting the subject as Full Project Review / FNMA Warrantable / New Construction / No Special Assessment / Deferred Maintenance / Critical Repairs noted. Reviewed XX/XX/XXXX by XXX. LM Updated. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 61.11% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 61.11% is less than Guideline LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/23/2026 | B | A | B | A | B | A | B | A | B | A | B | A | |
| XXX | XXXXX | 305032520 | FCOM5135 | 01/20/2026 | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing Documentation required- Affiliated Business Disclosure. The Privacy Notice indicates that the Lender does have Affiliates. | Investor acknowledges exception | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 61.11% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 61.11% is less than Guideline LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Acknowledged | No | B | B | B | B | B | B | B | B | B | B | B | B | ||
| XXX | XXXXX | 305032520 | FPRO8998 | 01/20/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 61.11% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 61.11% is less than Guideline LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/20/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305032520 | FCRE8999 | 01/20/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 61.11% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 61.11% is less than Guideline LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/20/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 304874927 | FCOM8997 | 12/22/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/22/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 304874927 | FCRE8999 | 12/22/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/22/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 304874927 | FPRO8998 | 12/22/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/22/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 304858379 | FCRE1201 | 12/09/2025 | Credit | Missing Doc | Third Party Fraud Report not Provided | Missing Third Party Fraud Report DRIVE report in file is not allowed per XXX XXX Guidelines v13 XX/XX/XXXX. Please provide a fraud report from an acceptable 3rd party vendor. | ; Third Party Fraud Report is provided | Rescinded | A | A | A | A | A | A | A | A | A | A | A | A | ||||
| XXX | XXXXX | 304858379 | FPRO8998 | 12/04/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/04/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 304858379 | FCOM8997 | 12/04/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/04/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 304820279 | FCRE9995 | 12/22/2025 | Credit | Assets | Audited Reserves are less than Guideline Required Reserves (Dollar Amount) | Audited Reserves of XXX are less than Guideline Required Reserves of $XXX. | Document Uploaded. ; uw lox; Document Uploaded. bank Statement XX/XX/XXXX #XXX | Audited Reserves of XXX are equal to or greater than AUS Required Reserves of $XXX.; Client provided explanation that Reserves are provided per DU. DU in file States Reserves Required to be Verified XXX Cleared | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 54.39% is less than Guideline CLTV of 70% | Original LTV is Below the Guideline Maximum - Calculated LTV of 54.39% is less than Guideline LTV of 70% | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/22/2025 | C | A | C | A | C | A | C | A | C | A | C | A | |
| XXX | XXXXX | 304820279 | FCRE1198 | 12/22/2025 | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Audited Reserves of XXX month(s) are less than Guideline Required Reserves of XXX month(s) | Document Uploaded. bank Statement and UW LOX | Audited Reserves of XXX month(s) are greater than or equal to Guideline Required Reserves of XXX month(s) | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 54.39% is less than Guideline CLTV of 70% | Original LTV is Below the Guideline Maximum - Calculated LTV of 54.39% is less than Guideline LTV of 70% | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/22/2025 | C | A | C | A | C | A | C | A | C | A | C | A | |
| XXX | XXXXX | 304820279 | FCOM8997 | 12/05/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 54.39% is less than Guideline CLTV of 70% | Original LTV is Below the Guideline Maximum - Calculated LTV of 54.39% is less than Guideline LTV of 70% | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/05/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 304820279 | FPRO8998 | 12/05/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 54.39% is less than Guideline CLTV of 70% | Original LTV is Below the Guideline Maximum - Calculated LTV of 54.39% is less than Guideline LTV of 70% | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/05/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 304892945 | finding-3634 | 12/17/2025 | Compliance | TRID Tolerance | Charges That Cannot Increase Test | 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) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n 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). TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of XXX is due to increase from XXX to XXX for the loan discount fee on LE XX/XX/XXXX. The COC don't align with the dates the changes were made on the disclosures with the exception of COC dated XX/XX/XXXX. However, the COC wasn't accepted because we need further clarification what "due to UW condition dated XXX/XXX) means. | Document Uploaded. Uploaded seller response on clarification for COC | Valid COC provided; Exception resolved; Valid COC provided; Exception resolved | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/17/2025 | C | A | C | A | C | A | C | A | C | A | C | A | |
| XXX | XXXXX | 304892945 | FCRE8999 | 12/05/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/05/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 304892945 | FPRO8998 | 12/05/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/05/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 304908683 | FPRO8998 | 12/24/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 64.05% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 64.05% is less than Guideline CLTV of 80% | Resolved | 12/24/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 304908683 | FCRE8999 | 12/24/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 64.05% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 64.05% is less than Guideline CLTV of 80% | Resolved | 12/24/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 304908683 | FCOM8997 | 12/24/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 64.05% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 64.05% is less than Guideline CLTV of 80% | Resolved | 12/24/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305012733 | FCRE7497 | 01/14/2026 | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Missing documentation to support the amounts lender used for REO properties. REO (XXX) lender used XXX documents in file support XXX REO (XXX) lender used XXX documents in file support XXX REO (XXX) lender used XXX documents in file support -$XXX. | Document Uploaded. lender cert | ; Client provided Lender Certification with REO calculations. Cleared. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/14/2026 | D | A | D | A | D | A | D | A | D | A | D | A | |
| XXX | XXXXX | 305012733 | FPRO9990 | 12/22/2025 | Property | Third Party Valuation | Third Party Valuation Product Not Provided within 10% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. | Document Uploaded. CDA | Third party valuation product provided within tolerance.; CDA provided | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/22/2025 | C | A | C | A | C | A | C | A | C | A | C | A | |
| XXX | XXXXX | 305012733 | FCOM8997 | 12/17/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/17/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305042981 | FCOM8997 | 01/26/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/26/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305042981 | FPRO8998 | 01/26/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/26/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305042981 | FCRE8999 | 01/26/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/26/2026 | A | A | A | A | A | A | A | A | A | A | A | A |