Loan ID

Seller Loan ID

EDGAR ID

Overall Initial Loan Grade

Overall Final Loan Grade

Credit Initial Loan Grade

Credit Current/Final Loan Grade

Compliance Initial Loan Grade

Compliance Current/Final Loan Grade

Property Initial Loan Grade

Property Current/Final Loan Grade

Queue

Finding Code

Date Created

Date Modified

Finding Status

Event Level

Initial Finding Grade

Current/Final Finding Grade

Finding Category

Finding Sub Category

Finding Name

Finding Comments

Seller Comments

Resolution Comments

Reviewer Comp Factor

Originator Comp Factors

Finding Documents

Originator QM Status

Final Reviewed QM Status

Loan Amount

Property State

Occupancy

Loan Purpose

Refinance Purpose

Acknowledged / WaivedBy

Waiver in File?

REDACTED

HAWT158035

Buyer

FCOM1270

REDACTED

Rejected

2 - Non-Material

Compliance

Disclosure

ARM Disclosure Not Provided Within 3 Days of Application Date

Rejected-Disclosure not provided - Due Diligence Vendor-REDACTED

Ready for Review-Unable to resolve. - Seller-REDACTED

Open-ARM Disclosure Not Provided Within 3 Days of Application Date the arm disclosure that was provided (page 986) had a date of REDACTED the date of the application was REDACTED. - Due Diligence Vendor-REDACTED

Ready for Review-Unable to resolve. - Seller-REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

N/A

REDACTED

HAWT158035

Buyer

FCOM1271

REDACTED

Rejected

2 - Non-Material

Compliance

Missing Doc

CHARM Booklet is Missing

Rejected-Disclosure not provided - Due Diligence Vendor-REDACTED

Ready for Review-Unable to resolve. - Seller-REDACTED

Open-CHARM Booklet is Missing - Due Diligence Vendor-REDACTED

Ready for Review-Unable to resolve. - Seller-REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

N/A

REDACTED

HAWT156055

Buyer

FCOM1271

REDACTED

Rejected

2 - Non-Material

Compliance

Missing Doc

CHARM Booklet is Missing

Rejected-Disclosure not provided - Due Diligence Vendor-REDACTED

Ready for Review-Unable to resolve. - Seller-REDACTED

Open-CHARM Booklet is Missing - Due Diligence Vendor-REDACTED

Ready for Review-Unable to resolve. - Seller-REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

N/A

REDACTED

HAWT156055

Buyer

FCOM1268

REDACTED

Rejected

2 - Non-Material

Compliance

Missing Doc

ARM Disclosure is Missing

Rejected-Disclosure not provided - Due Diligence Vendor-REDACTED

Ready for Review-Unable to resolve. - Seller-REDACTED

Open-ARM Disclosure is Missing - Due Diligence Vendor-REDACTED

Ready for Review-Unable to resolve. - Seller-REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

N/A

REDACTED

HAWT156055

Closed

FPRO1253

REDACTED

Resolved

1 - Information

Property

Data

Secondary Valuation or Additional Valuation has not been entered per securitization requirements

Resolved-Post Close Review AVM received

- Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Open-Secondary Valuation or Additional Valuation has not been entered per securitization requirements and CU Score, if present, is greater than 2.5 - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Resolved-Post Close Review AVM received

- Due Diligence Vendor-REDACTED

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

N/A

REDACTED

HAWT156055

Closed

FPRO1136

REDACTED

Resolved

1 - Information

Property

Appraisal

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

Resolved-Primary Value Subject Property Appraisal is completed on an As-Is Basis or Not Applicable - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. Final inspection attached. - Seller-REDACTED

Open-Primary Value Subject Property Appraisal is not on an As-Is Basis 1004-D to verify completion is not in file - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. Final inspection attached. - Seller-REDACTED

Resolved-Primary Value Subject Property Appraisal is completed on an As-Is Basis or Not Applicable - Due Diligence Vendor-REDACTED

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

N/A

REDACTED

HAWT156055

Closed

FCOM1477

REDACTED

Resolved

1 - Information

Compliance

Missing Doc

Missing evidence of rate lock

Resolved-Lock confirmation received - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Open-Evidence of Rate Lock Missing - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Resolved-Lock confirmation received - Due Diligence Vendor-REDACTED

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

N/A

REDACTED

HAWT158050

Closed

FPRO1253

REDACTED

Resolved

1 - Information

Property

Data

Secondary Valuation or Additional Valuation has not been entered per securitization requirements

Resolved-Post Close Review Desktop Appraisal received

- Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Open-Secondary Valuation or Additional Valuation has not been entered per securitization requirements and CU Score, if present, is greater than 2.5 - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Resolved-Post Close Review Desktop Appraisal received

- Due Diligence Vendor-REDACTED

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

N/A

REDACTED

HAWT158050

Closed

FCRE4165

REDACTED

Acknowledged

2 - Non-Material

Credit

Income/Employment

Employment Gaps in Employment Without Sufficient Explanation

Acknowledged-Explanation received, no letter in file from borrower - B/2 - Due Diligence Vendor-REDACTED

Ready for Review-Underwriter did not request a gap letter since it was logical that during that time REDACTED took some time off, relocated to REDACTED from REDACTED with REDACTED and applied for the required REDACTED medical licensing and board certifications. - Seller-REDACTED

Open-The loan file requires an employment gap letter for Borrower 2, as the period between previous termination (REDACTED) and new employment (REDACTED) exceeds the REDACTED threshold per REDACTED Guidelines. page REDACTED - Due Diligence Vendor-REDACTED

Acknowledged-Explanation received, no letter in file from borrower - B/2 - Due Diligence Vendor-REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

Originator Post-Close

REDACTED

HAWT158050

Closed

FCOM4227

REDACTED

Resolved

1 - Information

Compliance

Missing Doc

TRID: Missing Closing Disclosure

Resolved-Closing Disclosure received. - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Open-Final signed CD not in file - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Resolved-Closing Disclosure received. - Due Diligence Vendor-REDACTED

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

N/A

REDACTED

HAWT158050

Closed

FCOM1252

REDACTED

Resolved

1 - Information

Compliance

Missing Doc

TRID: Missing Loan Estimate

Resolved-Loan Estimate received - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Open-THE REVISED LOAN ESTIMATE ISSUED REDACTED WAS NOT FOUND IN THE FILE. BASED OFF THE DOCUMENT TRACKER ON PAGE REDACTED THE REVISED LOAN ESTIMATE WAS ISSUED ON REDACTED. - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Resolved-Loan Estimate received - Due Diligence Vendor-REDACTED

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

N/A

REDACTED

HAWT156475

Closed

FCRE6911

REDACTED

Waived

2 - Non-Material

Credit

Eligibility

DTI exceeds program maximum

Waived-Audited DTI of REDACTED exceeds Guidelines maximum DTI of REDACTED due to deferred student loans being considered in DTI by lender, however, the loan file contains guidelines exception. - Due Diligence Vendor-REDACTED

Credit score is REDACTED points or more above minimum score required

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

Originator Pre-Close

Yes

REDACTED

HAWT156475

Closed

FCRE8201

REDACTED

Waived

2 - Non-Material

Credit

Eligibility

Loan does not conform to program guidelines

Waived-AUS Recommendation - 'Refer with Caution' is not eligible per Guidelines, however, the loan file contains guidelines exception approval - Due Diligence Vendor-REDACTED

- Credit score is REDACTED points or more above minimum score required

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

Originator Pre-Close

Yes

REDACTED

HAWT157345

Closed

FCRE8201

REDACTED

Waived

2 - Non-Material

Credit

Eligibility

Loan does not conform to program guidelines

Waived-Exception in file to allow Refer With Caution finding. - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. On this one the final credit exception form should have been completed, signed and printed to the file by the underwriter when they issued their approval. I see where comments were entered beside the compensating factor of significant increase in earnings expected. That would have been the correct comp factor since REDACTED was a resident physician. I've attached a snip of that section of the exception form. - Seller-REDACTED

Counter-REDACTED - will you please send the remainder of the exception approval that shows the compensating factors, etc.? - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Open-The DU on page 188 has a recommendation of Refer with Caution. Unable to locate approved REDACTED exception form/system screenshot in file. - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Waived-Exception in file to allow Refer With Caution finding. - Due Diligence Vendor-REDACTED

Significant increased earnings expected, B1 is a first year resident

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

Originator Pre-Close

Yes

REDACTED

HAWT156610

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

REDACTED

HAWT158065

Closed

FCOM1122

REDACTED

Resolved

1 - Information

Compliance

TRID

Missing Initial CD

Resolved-Document Received - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Open-Initial CD must be submitted MISSING INITIAL CD. - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Resolved-Document Received - Due Diligence Vendor-REDACTED

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

N/A

REDACTED

HAWT158065

Closed

FCRE1184

REDACTED

Resolved

1 - Information

Credit

Missing Doc

AUS Not Provided

Resolved-AUS is fully present - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Open-RWC AUS not in file - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Resolved-AUS is fully present - Due Diligence Vendor-REDACTED

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

N/A

REDACTED

HAWT158065

Closed

FCRE8201

REDACTED

Waived

2 - Non-Material

Credit

Eligibility

Loan does not conform to program guidelines

Waived-Exception in file - pg 411 - to allow DU refer with caution result. - Due Diligence Vendor-REDACTED

- Credit score is REDACTED points or more above program minimum

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

Originator Pre-Close

Yes

REDACTED

HAWT154165

Buyer

FCOM1271

REDACTED

Rejected

2 - Non-Material

Compliance

Missing Doc

CHARM Booklet is Missing

Rejected-Disclosure was not provided - Due Diligence Vendor-REDACTED

Ready for Review-The CHARM booklet was not disclosed to the borrower(s). - Seller-REDACTED

Open-CHARM Booklet is Missing THE CHARM BOOKLET IS MISSING IN THE FILE. - Due Diligence Vendor-REDACTED

Ready for Review-The CHARM booklet was not disclosed to the borrower(s). - Seller-REDACTED

QM: Rebuttable Presumption DTI (DTI RP)

REDACTED

Primary Residence

Purchase

N/A

REDACTED

HAWT154165

Closed

FCOM1268

REDACTED

Resolved

1 - Information

Compliance

Missing Doc

ARM Disclosure is Missing

Resolved-Disclosure Tracking tying disclosure to loan/disclosure tracking received - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. The disclosure was sent when loan was changed to ARM. See attached tracking and proof of delivery/consent - Seller-REDACTED

Counter-ARM Disclosure received with no signature or proof of delivery, no borrower names, and no loan number. ARM Disclosure is not referenced on disclosure tracking in file. - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Open-ARM Disclosure is Missing THE ARM DISCLOSURE IS MISSING IN THE FILE. - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. The disclosure was sent when loan was changed to ARM. See attached tracking and proof of delivery/consent - Seller-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Resolved-Disclosure Tracking tying disclosure to loan/disclosure tracking received - Due Diligence Vendor-REDACTED

REDACTED

QM: Rebuttable Presumption DTI (DTI RP)

REDACTED

Primary Residence

Purchase

N/A

REDACTED

HAWT154165

Closed

finding-3939

REDACTED

Resolved

1 - Information

Compliance

ComplianceEase

TRID Rate Lock Disclosure Delivery Date Test

Resolved-Rate Lock COC & LE received - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Open- - Due Diligence Vendor-REDACTED

Open-This loan failed the TRID Rate Lock Disclosure Delivery Date Test. (12 CFR §1026.19(e)(3)(iv)(D))A disclosure advising of the revised interest rate, points, lender credits, and any other interest rate dependent charges and terms was not provided to the borrower within three business days after the interest rate was locked on REDACTED. THE LOCKED LOAN ESTIMATE DATED REDACTED IS MISSING IN THE FILE. THE DISCLOSURE TRACKER (PAGE 27-28) INDICATES THAT THE REVISED LOAN ESTIMATE WAS DELIVERED ON REDACTED. - Due Diligence Vendor-REDACTED

Open- - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Resolved-Rate Lock COC & LE received - Due Diligence Vendor-REDACTED

REDACTED

QM: Rebuttable Presumption DTI (DTI RP)

REDACTED

Primary Residence

Purchase

N/A

REDACTED

HAWT156685

Closed

FPRO1253

REDACTED

Resolved

1 - Information

Property

Data

Secondary Valuation or Additional Valuation has not been entered per securitization requirements

Resolved-Post Close Review AVM received

- Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Open-Secondary Valuation or Additional Valuation has not been entered per securitization requirements and CU Score, if present, is greater than 2.5 - Due Diligence Vendor-REDACTED

Open- - Due Diligence Vendor-REDACTED

Open-Missing secondary valuation. LCA is a REDACTED, CU is REDACTED - neither are within score ranges allowed. - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Resolved-Post Close Review AVM received

- Due Diligence Vendor-REDACTED

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

N/A

REDACTED

HAWT156685

Closed

FCRE8611

REDACTED

Acknowledged

2 - Non-Material

Credit

Income/Employment

Income/Employment General

Acknowledged-All information to verify ATR information is present on the letter in file, however, letter is not signed, may be missing pages - B/2 - Due Diligence Vendor-REDACTED

Ready for Review-We do not have a signed copy of the employment letter. - Seller-REDACTED

Open-Borrower's employment letter is missing some pages and not executed, page 292 - Due Diligence Vendor-REDACTED

Ready for Review-We do not have a signed copy of the employment letter. - Seller-REDACTED

Acknowledged-All information to verify ATR information is present on the letter in file, however, letter is not signed, may be missing pages - B/2 - Due Diligence Vendor-REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

Originator Post-Close

REDACTED

HAWT156685

Closed

FCRE8201

REDACTED

Waived

2 - Non-Material

Credit

Eligibility

Loan does not conform to program guidelines

Waived-AUS Recommendation - 'Refer with Caution' is not eligible per Guidelines, however, the loan file contains guidelines exception approval allowing to process the loan based on the following compensating factor. page 388 - Due Diligence Vendor-REDACTED

Credit score is REDACTED points or more above minimum required.

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

Originator Pre-Close

Yes

REDACTED

HAWT155815

Closed

FCRE8201

REDACTED

Waived

2 - Non-Material

Credit

Eligibility

Loan does not conform to program guidelines

Waived-Exception received to allow Refer With Caution AUS finding - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. See attached explanation of credit exception. - Seller-REDACTED

Open-Exception in file to allow refer with caution AUS - page 575 - 577, however there are no compensating factors as required. - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. See attached explanation of credit exception. - Seller-REDACTED

Waived-Exception received to allow Refer With Caution AUS finding - Due Diligence Vendor-REDACTED

Customer service issue, bank relationship, double reserves required for program verified, DTI under REDACTED

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

Originator Pre-Close

Yes

REDACTED

HAWT155815

Closed

FCRE4001

REDACTED

Resolved

1 - Information

Credit

Missing Doc

Missing 1008/UW Approval Document

Resolved-1008 received - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Open-Missing 1008/UW Approval Document AUS page 160 reflects a Refer with caution. However, an exception was provided page 575 for approval. - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Resolved-1008 received - Due Diligence Vendor-REDACTED

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

N/A

REDACTED

HAWT155815

Closed

FCRE1193

REDACTED

Resolved

1 - Information

Credit

Eligibility

Audited DTI Exceeds Guideline DTI

Resolved-Audited DTI of % is less than or equal to Guideline DTI of % - Due Diligence Vendor-REDACTED

Open-DTI is over REDACTED%. REDACTED yr ARM was not qualified based upon the higher of the note rate + REDACTED% or the fully indexed rate per guidelines REDACTED @ REDACTED vs REDACTED0 initial terms. - Due Diligence Vendor-REDACTED

Resolved-Audited DTI of % is less than or equal to Guideline DTI of % - Due Diligence Vendor-REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

N/A

REDACTED

HAWT156220

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

REDACTED

HAWT158080

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

REDACTED

HAWT153925

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

REDACTED

HAWT156145

Closed

FPRO1253

2026-02-09 08:56

2026-03-19 10:35

Resolved

1 - Information

Property

Data

Secondary Valuation or Additional Valuation has not been entered per securitization requirements

Resolved-Post close desk review received - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Counter-Property value is REDACTED. AVM received as secondary valuation is REDACTED. There is greater than a 10% variance and will require a different secondary valuation product. - Due Diligence Vendor-REDACTED

Ready for Review-It is our understanding that a confidence score of 80 or above is acceptable. - Seller-REDACTED

Counter-Post Close Review Valuation AVM received, however, confidence score REDACTED. Acceptable secondary value needed.

- Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-02/23/2026

Open-Secondary Valuation or Additional Valuation has not been entered per securitization requirements and CU Score, if present, is greater than 2.5 - Due Diligence Vendor-REDACTED

Open-LCA & CU in file - REDACTED. Secondary valuation required. - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Ready for Review-It is our understanding that a confidence score of REDACTED is acceptable. - Seller-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Resolved-Post close desk review received - Due Diligence Vendor-REDACTED

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Second Home

Purchase

N/A

REDACTED

HAWT156145

Closed

FCOM1223

2026-02-09 08:57

2026-02-11 14:56

Resolved

1 - Information

Compliance

Closing

The Deed of Trust is Not Executed

Resolved-Received signed DOT - pgs 48-49/60 - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. There are 2 signature pages to the DOT. all parties signed. - Seller-REDACTED

Open-The non-borrowing title holders did not sign the deed of trust. (Final CD is signed by all owners, all owners listed on final title policy vesting.) - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. There are 2 signature pages to the DOT. all parties signed. - Seller-REDACTED

Resolved-Received signed DOT - pgs 48-49/60 - Due Diligence Vendor-REDACTED

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Second Home

Purchase

N/A

REDACTED

HAWT156145

Closed

FCRE1347

2026-02-08 17:24

2026-02-11 14:54

Resolved

1 - Information

Credit

Missing Doc

Borrower 2 3rd Party VOE Prior to Close Missing

Resolved-Guidelines/procedure received - resolved - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. Reverifications of employment were not obtained on portfolio loans by REDACTED prior to REDACTED . Attached is a snip of the REDACTED procedures which reflects this. - Seller-REDACTED

Open-Borrower 2 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. Reverifications of employment were not obtained on portfolio loans by REDACTED prior to REDACTED. Attached is a snip of the REDACTED procedures which reflects this. - Seller-REDACTED

Resolved-Guidelines/procedure received - resolved - Due Diligence Vendor-REDACTED

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Second Home

Purchase

N/A

REDACTED

HAWT156145

Closed

FCRE1316

2026-02-08 17:24

2026-02-11 14:54

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 3rd Party VOE Prior to Close Missing

Resolved-Guidelines/procedure received - resolved - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. Reverifications of employment were not obtained by REDACTED prior to REDACTED . Attached is a snip of the REDACTED procedure which reflects this. - Seller-REDACTED

Open-Borrower 1 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. Reverifications of employment were not obtained by REDACTED prior to REDACTED . Attached is a snip of the REDACTED procedure which reflects this. - Seller-REDACTED

Resolved-Guidelines/procedure received - resolved - Due Diligence Vendor-REDACTED

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Second Home

Purchase

N/A

REDACTED

HAWT157000

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Second Home

Purchase

REDACTED

HAWT155920

Closed

FCRE8201

REDACTED

Waived

2 - Non-Material

Credit

Eligibility

Loan does not conform to program guidelines

Waived-Exception in file (pg 570) to not include the borrower's current primary residence, which is for sale after the move, in DTI calculation. This reduces DTI to under REDACTED%. - Due Diligence Vendor-REDACTED

Credit score REDACTED points or more above program minimum, borrower will use proceeds from sale of current primary to paydown debt and lower DTI further

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

Originator Pre-Close

Yes

REDACTED

HAWT158095

Buyer

FCOM1268

REDACTED

Rejected

2 - Non-Material

Compliance

Missing Doc

ARM Disclosure is Missing

Rejected-Disclosure not provided - Due Diligence Vendor-REDACTED

Ready for Review-ARM Disclosure is missing. - Seller-REDACTED

Open-ARM Disclosure is Missing THERE WAS NO EVIDENCE OF THE ARM DISCLOSURE IN THE LOAN FILE. - Due Diligence Vendor-REDACTED

Ready for Review-ARM Disclosure is missing. - Seller-REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

N/A

REDACTED

HAWT158095

Buyer

FCOM1271

REDACTED

Rejected

2 - Non-Material

Compliance

Missing Doc

CHARM Booklet is Missing

Rejected-Disclosure not provided - Due Diligence Vendor-REDACTED

Ready for Review-CHARM booklet is missing. - Seller-REDACTED

Open-CHARM Booklet is Missing THERE WAS NO EVIDENCE OF THE ARM BOOKLET IN THE LOAN FILE. - Due Diligence Vendor-REDACTED

Ready for Review-CHARM booklet is missing. - Seller-REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

N/A

REDACTED

HAWT156640

Closed

FCOM1477

REDACTED

Resolved

1 - Information

Compliance

Missing Doc

Missing evidence of rate lock

Resolved-Rate Lock document received. - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Open-Evidence of Rate Lock Missing THERE WAS NO EVIDENCE OF THE RATE LOCK AGREEMENT, THERE IS A CHANGE OF CICUMSTANCE REFLECTING THAT THE LOAN LOCKED ON PAGE 72 BUT DOES NOT LIST THE RATE LOCK INFORMATION TO VALIDATE. - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Resolved-Rate Lock document received. - Due Diligence Vendor-REDACTED

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

N/A

REDACTED

HAWT156640

Closed

FCRE6911

REDACTED

Waived

2 - Non-Material

Credit

Eligibility

DTI exceeds program maximum

Waived-DTI of REDACTED exceeds program maximum of REDACTED%. Exception pg 723: OK for DTI to be slightly over REDACTED% due to increase in income once out of residency. - Due Diligence Vendor-REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

Originator Pre-Close

Yes

REDACTED

HAWT155140

Closed

FCOM1621

REDACTED

Resolved

1 - Information

Compliance

Missing Doc

Missing Initial Escrow Disclosure

Resolved-Initial escrow disclosure received - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Open-Initial Escrow Account Disclosure is Missing - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Resolved-Initial escrow disclosure received - Due Diligence Vendor-REDACTED

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

N/A

REDACTED

HAWT155140

Closed

FCOM1234

REDACTED

Resolved

1 - Information

Compliance

Closing

The Final 1003 is Not Executed

Resolved-The Final 1003 is Executed - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Open-The Final 1003 is Not Executed THE 1003 IN THE FILE HAD NO BORROWER SIGNATURE OR DATE. - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Resolved-The Final 1003 is Executed - Due Diligence Vendor-REDACTED

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

N/A

REDACTED

HAWT156490

Closed

FCRE1158

REDACTED

Acknowledged

2 - Non-Material

Credit

Missing Doc

Hazard Insurance Policy is Partial

Acknowledged-Policy coverage was adequate at closing with the policy number itself missing from the documentation. Policies verifying the same coverage from origination through current are received and verify that coverage was sufficient at closing and since closing. Acknowledged/B2 - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. Will you accept a copy of the renewal from our servicing dept? - Seller-REDACTED

Counter-Hazard Insurance policy with an effective date of REDACTED received. Policy is not effective yet as of the date of the review of this finding. Verification of hazard insurance policy and all information from prior to disbursement is needed. - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Open-Hazard Insurance Policy Partially Provided - Homeowner insurance policy is missing policy number. page 121 - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. Will you accept a copy of the renewal from our servicing dept? - Seller-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Second Home

Purchase

Originator Post-Close

REDACTED

HAWT156490

Closed

FPRO1253

REDACTED

Resolved

1 - Information

Property

Data

Secondary Valuation or Additional Valuation has not been entered per securitization requirements

Resolved-Post Close Review AVM received

- Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Open-Secondary Valuation or Additional Valuation has not been entered per securitization requirements and CU Score, if present, is greater than 2.5 Secondary value missing. CU & LCA - pages 193-196 - both REDACTED. - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Resolved-Post Close Review AVM received

- Due Diligence Vendor-REDACTED

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Second Home

Purchase

N/A

REDACTED

HAWT156490

Closed

FCRE1491

REDACTED

Resolved

1 - Information

Credit

Assets

Asset Qualification Does Not Meet Guideline Requirements

Resolved-Asset Qualification Meets Guideline Requirements - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. VOA with sufficient assets uploaded. - Seller-REDACTED

Open-Asset Qualification Does Not Meet Guideline Requirements Loan file is missing documentation to verify liquid assets & reserves of REDACTED per AUS/DU requirement - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. VOA with sufficient assets uploaded. - Seller-REDACTED

Resolved-Asset Qualification Meets Guideline Requirements - Due Diligence Vendor-REDACTED

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Second Home

Purchase

N/A

REDACTED

HAWT154525

Closed

FCOM1621

REDACTED

Resolved

1 - Information

Compliance

Missing Doc

Missing Initial Escrow Disclosure

Resolved-Initial Escrow Disclosure received - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Open-Initial Escrow Account Disclosure is Missing - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Resolved-Initial Escrow Disclosure received - Due Diligence Vendor-REDACTED

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

N/A

REDACTED

HAWT155275

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Second Home

Purchase

REDACTED

HAWT155260

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

REDACTED

HAWT156820

Closed

FPRO1253

REDACTED

Resolved

1 - Information

Property

Data

Secondary Valuation or Additional Valuation has not been entered per securitization requirements

Resolved-Post Close Review Desktop Appraisal received

- Due Diligence Vendor-REDACTED

Counter-Post Close Review Desktop Appraisal received

- Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Counter-Unable to use AVM submitted as a post-close secondary value. Valuation is more than 10% variance from primary valuation.

- Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Open-Secondary Valuation or Additional Valuation has not been entered per securitization requirements and CU Score, if present, is greater than 2.5 - Due Diligence Vendor-REDACTED

Open-Secondary Valuation or Additional Valuation has not been entered per securitization requirements and CU Score, if present, is greater than 2.5 CU in file is over 2.5. - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Resolved-Post Close Review Desktop Appraisal received

- Due Diligence Vendor-REDACTED

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

N/A

REDACTED

HAWT156820

Closed

FCRE9387

REDACTED

Waived

2 - Non-Material

Credit

Eligibility

Loan amount exceeds maximum allowed per program guidelines

Waived-Exception in file for loan amount over guideline maximum - page 573 - Due Diligence Vendor-REDACTED

Deposits with lender, significant increase in earnings expected, FICO REDACTED, REDACTED DTI

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

Originator Pre-Close

Yes

REDACTED

HAWT156115

Closed

FCOM1268

REDACTED

Resolved

1 - Information

Compliance

Missing Doc

ARM Disclosure is Missing

Resolved-ARM Disclosure received - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Open-ARM Disclosure is Missing THERE WAS NO EVIDENCE OF THE ARM DISCLSOURE IN THE LOAN FILE. - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Resolved-ARM Disclosure received - Due Diligence Vendor-REDACTED

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

N/A

REDACTED

HAWT156115

Closed

FCRE1316

REDACTED

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 3rd Party VOE Prior to Close Missing

Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-REDACTED

Resolved-Procedure/guidelines received. VVOE referenced not located in file. Resolved as not required per guideline submission. - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. Reverifications of employment were not obtained by REDACTED on portfolio loans prior to REDACTED. Attached is a snip of the REDACTED procedure that reflects this. However, to note, on this loan the VOE was dated REDACTED and was within 10 business days of the REDACTED closing date due to the holiday on REDACTED. - Seller-REDACTED

Open-Borrower 1 3rd Party VOE Prior to Close Missing Borrower 1 Verbal VOE was not dated within 10 business days prior to the Note. WVOE was used as VVOE as it is most recent but is dated REDACTED vs Note REDACTED, pg 270, 581, 193. - Due Diligence Vendor-REDACTED

Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-REDACTED

Resolved-Procedure/guidelines received. VVOE referenced not located in file. Resolved as not required per guideline submission. - Due Diligence Vendor-REDACTED

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

N/A

REDACTED

HAWT158110

Closed

FPRO1253

REDACTED

Resolved

1 - Information

Property

Data

Secondary Valuation or Additional Valuation has not been entered per securitization requirements

Resolved-Post Close Review AVM received

- Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Open-Secondary Valuation or Additional Valuation has not been entered per securitization requirements and CU Score, if present, is greater than 2.5 CU score exceeds 2.5 - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Resolved-Post Close Review AVM received

- Due Diligence Vendor-REDACTED

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

N/A

REDACTED

HAWT158110

Closed

FCRE8201

REDACTED

Waived

2 - Non-Material

Credit

Eligibility

Loan does not conform to program guidelines

Waived-Exception on page 905 to allow Borrower #3 as a non occupying co borrower. - Due Diligence Vendor-REDACTED

B2 resident & earnings are expected to increase significantly, credit score is more than REDACTED points above program minimum, ACH payment

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

Originator Pre-Close

Yes

REDACTED

HAWT156655

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

REDACTED

HAWT154900

Closed

FPRO1253

REDACTED

Resolved

1 - Information

Property

Data

Secondary Valuation or Additional Valuation has not been entered per securitization requirements

Resolved-Unable to use AVM submitted as a post-close secondary value. Valuation is more than 10% variance from primary valuation.

- Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Open- - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Resolved-Unable to use AVM submitted as a post-close secondary value. Valuation is more than 10% variance from primary valuation.

- Due Diligence Vendor-REDACTED

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

N/A

REDACTED

HAWT154900

Closed

FCRE7009

REDACTED

Resolved

1 - Information

Credit

Insurance

Hazard insurance dwelling coverage is not sufficient

Resolved-RCE verification from insurance company received - pg 2/18, coverage is adequate based on RCE - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. Uploaded HOI policy information. - Seller-REDACTED

Open-Hazard insurance policy does not contain percentages of additional coverage. Estimated cost new is greater than loan amount. HOI coverage does not cover loan amount/unable to verify due to missing additional coverage percentages. - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. Uploaded HOI policy information. - Seller-REDACTED

Resolved-RCE verification from insurance company received - pg 2/18, coverage is adequate based on RCE - Due Diligence Vendor-REDACTED

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

N/A

REDACTED

HAWT154900

Closed

FCOM1122

REDACTED

Resolved

1 - Information

Compliance

TRID

Missing Initial CD

Resolved-Initial CD received. - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Open-Initial CD must be submitted MISSING INITIAL CLOSING DISCLOSURE - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Resolved-Initial CD received. - Due Diligence Vendor-REDACTED

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

N/A

REDACTED

HAWT154900

Closed

FCRE1317

REDACTED

Waived

2 - Non-Material

Credit

Income/Employment

Borrower 1 Total Years Employment Verified is Less Than 24 Months

Waived-Borrower 1 Total Years Employment Verified is Less Than 24 Months Exception in file - pg 197 - Borrower 1 has less than the two years of employment required by guidelines and was qualified off recent earnings as a dentist after graduating from medical school. - Due Diligence Vendor-REDACTED

Credit score is REDACTED points or more above minimum score required, income expected to increase/stable medical practice

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

Originator Pre-Close

Yes

REDACTED

HAWT153955

Closed

FCRE1347

REDACTED

Resolved

1 - Information

Credit

Missing Doc

Borrower 2 3rd Party VOE Prior to Close Missing

Resolved-Borrower 2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-REDACTED

Resolved-Procedure/guidelines received. Resolved. - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. Reverifications of employment were not obtained on portfolio loans by REDACTED prior to REDACTED. Attached is a snip of the REDACTED procedure that reflects this. - Seller-REDACTED

Open-Borrower 2 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. Reverifications of employment were not obtained on portfolio loans by REDACTED prior to REDACTED. Attached is a snip of the REDACTED procedure that reflects this. - Seller-REDACTED

Resolved-Borrower 2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-REDACTED

Resolved-Procedure/guidelines received. Resolved. - Due Diligence Vendor-REDACTED

REDACTED

QM: Rebuttable Presumption DTI (DTI RP)

REDACTED

Primary Residence

Purchase

N/A

REDACTED

HAWT153955

Closed

finding-3732

REDACTED

Resolved

1 - Information

Compliance

TRID

TRID Total of Payments Test

Resolved-Rounding error adjustment documentation received. - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. A rounding error was discovered and cured in REDACTED. See attached letter. - Seller-REDACTED

Open- - Due Diligence Vendor-REDACTED

Open-This loan failed the TRID total of payments test. ( 12 CFR §1026.18(o)(1) )The total of payments is REDACTED. The disclosed total of payments of REDACTED is not considered accurate because it is understated by more than REDACTED and the provided reimbursement amount of REDACTED is not sufficient to cure the inaccuracy. - Due Diligence Vendor-REDACTED

Open- - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. A rounding error was discovered and cured in REDACTED. See attached letter. - Seller-REDACTED

Resolved-Rounding error adjustment documentation received. - Due Diligence Vendor-REDACTED

REDACTED

QM: Rebuttable Presumption DTI (DTI RP)

REDACTED

Primary Residence

Purchase

N/A

REDACTED

HAWT153955

Closed

finding-651

REDACTED

Resolved

1 - Information

Compliance

Points & Fees

TILA Finance Charge Test

Resolved-Rounding error adjustment documentation received. - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. A rounding error was discovered and cured in REDACTED. See attached letter. - Seller-REDACTED

Open- - Due Diligence Vendor-REDACTED

Open-This loan failed the TILA finance charge test.( 12 CFR §1026.38(o)(2) )The finance charge is REDACTED. The disclosed finance charge of REDACTED is not considered accurate because it is understated by more than REDACTED. - Due Diligence Vendor-REDACTED

Open- - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. A rounding error was discovered and cured in REDACTED. See attached letter. - Seller-REDACTED

Resolved-Rounding error adjustment documentation received. - Due Diligence Vendor-REDACTED

REDACTED

QM: Rebuttable Presumption DTI (DTI RP)

REDACTED

Primary Residence

Purchase

N/A

REDACTED

HAWT153955

Closed

FCOM1270

REDACTED

Resolved

1 - Information

Compliance

Disclosure

ARM Disclosure Not Provided Within 3 Days of Application Date

Resolved-Verification of ARM Disclosure received - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Open-ARM Disclosure Not Provided Within 3 Days of Application Date - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Resolved-Verification of ARM Disclosure received - Due Diligence Vendor-REDACTED

REDACTED

QM: Rebuttable Presumption DTI (DTI RP)

REDACTED

Primary Residence

Purchase

N/A

REDACTED

HAWT157195

Closed

FCRE1316

REDACTED

Waived

2 - Non-Material

Credit

Missing Doc

Borrower 1 3rd Party VOE Prior to Close Missing

Waived-Exception form to allow no VVOE prior to closing received - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. Updated credit exception form attached. - Seller-REDACTED

Counter-Exception to allow no VVOE at closing is required if lender is making that exception - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. A verbal VOE was not obtained prior to closing. Attached is a verbal VOE obtained REDACTED showing borrower is still employed with same dental practice he was working for when the loan closed. - Seller-REDACTED

Open-Borrower 1 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. Updated credit exception form attached. - Seller-REDACTED

Waived-Exception form to allow no VVOE prior to closing received - Due Diligence Vendor-REDACTED

Significant increase in earnings expected (significant - 50% or more of current income). Borrower is on a performance driven compensation plan

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

Originator Post-Close

Yes

REDACTED

HAWT157195

Closed

FPRO1253

REDACTED

Resolved

1 - Information

Property

Data

Secondary Valuation or Additional Valuation has not been entered per securitization requirements

Resolved-Post Close Review AVM received

- Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Open-Secondary Valuation or Additional Valuation has not been entered per securitization requirements and CU Score, if present, is greater than 2.5 - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Resolved-Post Close Review AVM received

- Due Diligence Vendor-REDACTED

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

N/A

REDACTED

HAWT157195

Closed

FCRE5116

REDACTED

Resolved

1 - Information

Credit

Missing Doc

Missing VOM or VOR

Resolved-Payment history via bank statements verified - Due Diligence Vendor-REDACTED

Ready for Review-Borrower rented from REDACTED. This company confirmed they do not complete VOR forms for lenders. The bank statements in file show the REDACTED rent to REDACTED was a web payment (auto-draft). - Seller-REDACTED

Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. UW to REDACTED. Missing VOR in file. - Due Diligence Vendor-REDACTED

Resolved-Payment history via bank statements verified - Due Diligence Vendor-REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

N/A

REDACTED

HAWT157195

Closed

FCOM4001

REDACTED

Resolved

1 - Information

Compliance

Disclosure

Missing Proof of Appraisal Delivery or Signed Appraisal Delivery Waiver

Resolved-System verification of appraisal delivery received – resolved.

- Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. Appraisal delivery information attached. - Seller-REDACTED

Open- - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. Appraisal delivery information attached. - Seller-REDACTED

Resolved-System verification of appraisal delivery received – resolved.

- Due Diligence Vendor-REDACTED

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

N/A

REDACTED

HAWT157195

Closed

FCRE8201

REDACTED

Waived

2 - Non-Material

Credit

Eligibility

Loan does not conform to program guidelines

Waived-Loan DTI exceeds limit due to REDACTED of student loan payments and averaging income, however, lender provided guidelines exception allowing REDACTED/month for student loans to offset higher DTI due to averaging income. Page 418 - Due Diligence Vendor-REDACTED

- Significant increase in earnings expected (significant - 50% or more of current income). Borrower is on a performance driven compensation plan

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

Originator Pre-Close

Yes

REDACTED

HAWT157195

Closed

FCRE1437

REDACTED

Waived

2 - Non-Material

Credit

Income/Employment

Income and Employment Do Not Meet Guidelines

Waived-Income and Employment Do Not Meet Guidelines Guideline exception allowing qualification of the borrower using commission income earned less than 2 years required by guidelines - pg 418 - Due Diligence Vendor-REDACTED

- Significant increase in earnings expected (significant - 50% or more of current income). Borrower is on a performance driven compensation plan

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

Originator Pre-Close

Yes

REDACTED

HAWT157540

Closed

FCRE1440

REDACTED

Resolved

1 - Information

Credit

Eligibility

Housing History Does Not Meet Guideline Requirements

Resolved-VOR received - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. Rental verification attached. - Seller-REDACTED

Open-Housing History Does Not Meet Guideline Requirements - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. Rental verification attached. - Seller-REDACTED

Resolved-VOR received - Due Diligence Vendor-REDACTED

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

N/A

REDACTED

HAWT157540

Closed

FCRE1184

REDACTED

Resolved

1 - Information

Credit

Missing Doc

AUS Not Provided

Resolved-AUS is fully present - Due Diligence Vendor-REDACTED

Resolved-AUS received - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Open-AUS with RWC finding is not located in the file - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Resolved-AUS is fully present - Due Diligence Vendor-REDACTED

Resolved-AUS received - Due Diligence Vendor-REDACTED

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

N/A

REDACTED

HAWT157540

Closed

FCRE8201

REDACTED

Waived

2 - Non-Material

Credit

Eligibility

Loan does not conform to program guidelines

Waived-Exception provided (pg 506) to proceed with AUS result of Refer with Caution. - Due Diligence Vendor-REDACTED

Borrower has significant residual income, not counting bonus/incentive pay salary is REDACTED. Increase in earnings remains anticipated.

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

Originator Pre-Close

Yes

REDACTED

HAWT155590

Closed

FCRE1437

REDACTED

Waived

2 - Non-Material

Credit

Income/Employment

Income and Employment Do Not Meet Guidelines

Waived-Income and Employment Do Not Meet Guidelines Borrower was REDACTED of REDACTED since REDACTED and was recently transferred to a new position as REDACTED in REDACTED and lender qualified using bonus income supported by approved guidelines exception pg 503 - Due Diligence Vendor-REDACTED

Borrower is expecting his REDACTED bonus of approximately REDACTED around REDACTED and new employment reflects target bonus of REDACTED of salary(or REDACTED)

- Credit score is REDACTED points or more above minimum score required.

- Borrower in same line of work as new role previously

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

Originator Pre-Close

Yes

REDACTED

HAWT158125

Closed

FCRE7497

REDACTED

Resolved

1 - Information

Credit

Missing Doc

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

Resolved-Documentation and supporting comments received - resolved. - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. For the investment property owned at REDACTED, the mortgage with REDACTED is not on the credit report and the mortgage statement is in the name of REDACTED. The REDACTED loan is escrowed. The REDACTED loan on this property is in our borrower's name on credit and that payment is REDACTED. We did not include the REDACTED loan as it is not REDACTED debt. - Seller-REDACTED

Open-Missing supporting documentation verifying monthly payment of REDACTED for other REO at REDACTED per Final 1003/Credit report. Mortgage statement in file dated REDACTED reflects REDACTED . It is not clear why a lower monthly payment was used. page 919,806 - Due Diligence Vendor-REDACTED

Resolved-Documentation and supporting comments received - resolved. - Due Diligence Vendor-REDACTED

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

N/A

REDACTED

HAWT158125

Closed

FCOM1122

REDACTED

Resolved

1 - Information

Compliance

TRID

Missing Initial CD

Resolved-Initial CD received - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Open-Initial CD must be submitted THERE WAS NO EVIDENCE OF THE INITIAL CLOSING DISCLOSURE IN THE LOAN FILE. THE DISCLOSURE TRACKER ON PAGE 247 REFLECTS THE INITIAL CLOSING DISCLOSURE WAS ISSUED ON REDACTED. - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Resolved-Initial CD received - Due Diligence Vendor-REDACTED

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

N/A

REDACTED

HAWT158125

Closed

FCRE8201

REDACTED

Waived

2 - Non-Material

Credit

Eligibility

Loan does not conform to program guidelines

Waived-Exception in file to allow AUS 'Refer with Caution' result - page 173. - Due Diligence Vendor-REDACTED

Deposit relationship with lender

- Significant increase in earnings expected - Income increasing from REDACTED to REDACTED in REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

Originator Pre-Close

Yes

REDACTED

HAWT154180

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

REDACTED

HAWT156010

Closed

FPRO1253

REDACTED

Resolved

1 - Information

Property

Data

Secondary Valuation or Additional Valuation has not been entered per securitization requirements

Resolved-Post Close Review AVM received

- Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Open- - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Resolved-Post Close Review AVM received

- Due Diligence Vendor-REDACTED

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

N/A

REDACTED

HAWT156010

Closed

FCRE8201

REDACTED

Waived

2 - Non-Material

Credit

Eligibility

Loan does not conform to program guidelines

Waived-Exception received to allow Refer with Caution finding. - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. Credit exception form attached. - Seller-REDACTED

Open-Item #1 - 1008 references an exception that is not in the file - please provide credit exception

Item #2 - AUS in file is Refer with caution with no documented exception - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. Credit exception form attached. - Seller-REDACTED

Waived-Exception received to allow Refer with Caution finding. - Due Diligence Vendor-REDACTED

Credit score is REDACTED points or more above program minimum, solid credit payment history

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

Originator Pre-Close

Yes

REDACTED

HAWT156010

Closed

FCRE7497

REDACTED

Resolved

1 - Information

Credit

Missing Doc

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

Resolved-Supporting documentation received - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. REDACTED loan and tax info on REDACTED attached. - Seller-REDACTED

Open-Missing supporting documentation to verify monthly payment of REDACTED per Final 1003 for other REO at REDACTED. page 129 - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. REDACTED loan and tax info on REDACTED attached. - Seller-REDACTED

Resolved-Supporting documentation received - Due Diligence Vendor-REDACTED

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

N/A

REDACTED

HAWT157270

Closed

FCOM4001

REDACTED

Resolved

1 - Information

Compliance

Disclosure

Missing Proof of Appraisal Delivery or Signed Appraisal Delivery Waiver

Resolved-System verification of appraisal delivery received – resolved.

- Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Open- - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Resolved-System verification of appraisal delivery received – resolved.

- Due Diligence Vendor-REDACTED

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

N/A

REDACTED

HAWT156850

Closed

FCRE6911

REDACTED

Waived

2 - Non-Material

Credit

Eligibility

DTI exceeds program maximum

Waived-Exception received to allow DTI of REDACTED% - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. Credit Exception Form attached - Seller-REDACTED

Counter-Counter - Due Diligence Vendor-REDACTED

Counter- - Due Diligence Vendor-REDACTED

Ready for Review-The REDACTED reviewed the income for Borrower 2 and the underwriter excluded the W2 income of REDACTED REDACTED paid REDACTED from REDACTED dental practice. The W2 income should have been added back in the cash flow analysis. The exception was made for Borrower 2 being self-employed as a dentist for <2 years. The income for Borrower 2 should have been REDACTED and the DTI REDACTED % with the higher taxes. - Seller-REDACTED

Open-The loan is ineligible due to a DTI of REDACTED, exceeding the maximum REDACTED% guideline. Discrepancies contributing to this include the use of REDACTED for Borrower 2 income on 1008 versus REDACTED calculated from tax returns as on lender tax return worksheet and the use of lower subject property taxes in the AUS & on 1008 (REDACTED3) compared to the tax documentation (REDACTED). page 180,122,178,2546,1583,1587,1589. - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. Credit Exception Form attached - Seller-REDACTED

Waived-Exception received to allow DTI of REDACTED% - Due Diligence Vendor-REDACTED

Credit score is over program minimum by REDACTED points or more, W2 income verified but not included in cash flow for qualification

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

Originator Post-Close

Yes

REDACTED

HAWT156850

Closed

FCRE2663

REDACTED

Resolved

1 - Information

Credit

Missing Doc

Missing Application

Resolved-Executed initial 1003 received - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Open-"Initial 1003 is missing signatures from Borrowers 1 and 2. page 1 - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Resolved-Executed initial 1003 received - Due Diligence Vendor-REDACTED

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

N/A

REDACTED

HAWT156850

Closed

FCRE11REDACTED

REDACTED

Resolved

1 - Information

Credit

Missing Doc

Title Document Missing

Resolved-Title Document is fully Present - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Open-Title Document is missing - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Resolved-Title Document is fully Present - Due Diligence Vendor-REDACTED

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

N/A

REDACTED

HAWT156850

Closed

FCOM1544

REDACTED

Resolved

1 - Information

Compliance

Missing Doc

TRID: Missing Closing Disclosure

Resolved-TRID: Final Closing Disclosure Provided - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Open-TRID: Missing Final Closing Disclosure "Final CD is missing signatures from Borrowers 1 and 2. page 97 - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Resolved-TRID: Final Closing Disclosure Provided - Due Diligence Vendor-REDACTED

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

N/A

REDACTED

HAWT156850

Closed

FCRE9942

REDACTED

Waived

2 - Non-Material

Credit

Missing Doc

Missing Income - Business Tax Returns

Waived- REDACTED Guidelines require two years of tax returns, however, lender provided only one year for REDACTED. A guideline exception was approved to accept one year of returns. page 2568 - Due Diligence Vendor-REDACTED

- Credit score is REDACTED points or more above minimum score required

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

Originator Pre-Close

Yes

REDACTED

HAWT156580

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

REDACTED

HAWT156325

Closed

FCOM4227

REDACTED

Resolved

1 - Information

Compliance

Missing Doc

TRID: Missing Closing Disclosure

Resolved-Initial CD received - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Open-THERE WAS NO EVIDENCE OF THE INITIAL CLOSING DISCLSOURE IN THE LOAN FILE. THE DISCLOSURE TRACKER REFLECTS THE INITIAL CLOSING DISCLOSURE WAS ISSUED REDACTED. - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Resolved-Initial CD received - Due Diligence Vendor-REDACTED

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

N/A

REDACTED

HAWT156325

Closed

FCRE1494

REDACTED

Acknowledged

2 - Non-Material

Credit

QM-ATR

ATR: Qualifying Payment Not Properly Considered

Acknowledged-The subject loan closed as a REDACTED, however, the qualifying rate used on DU and 1008 is REDACTED (REDACTED) vs. the initial note rate as required for REDACTED. The DTI was recalculated at REDACTED% VS REDACTED%.

(DU, pg 1490) (Note, pg 601)

- Due Diligence Vendor-REDACTED

(DU, pg 1490) (Note, pg 601)

- Due Diligence Vendor-REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

Investor Post-Close

REDACTED

HAWT155290

Closed

FCRE1348

REDACTED

Waived

2 - Non-Material

Credit

Income/Employment

Borrower 2 Total Years Employment Verified is Less Than 24 Months

Waived-Borrower 2 Total Years Employment Verified is Less Than 24 Months ***EXCEPTION on page 796 to allow less than 2 years of self employment. *** - Due Diligence Vendor-REDACTED

Credit score REDACTED points or more above program minimum, net wort/liquid assets to cover debt service for REDACTED months

QM: Rebuttable Presumption DTI (DTI RP)

REDACTED

Primary Residence

Purchase

Originator Pre-Close

Yes

REDACTED

HAWT157030

Closed

FCOM4001

REDACTED

Resolved

1 - Information

Compliance

Disclosure

Missing Proof of Appraisal Delivery or Signed Appraisal Delivery Waiver

Resolved-System verification of appraisal delivery received – resolved.

- Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Open- - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Resolved-System verification of appraisal delivery received – resolved.

- Due Diligence Vendor-REDACTED

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

N/A

REDACTED

HAWT157165

Closed

FPRO1253

REDACTED

Resolved

1 - Information

Property

Data

Secondary Valuation or Additional Valuation has not been entered per securitization requirements

Resolved-Post Close Review Desktop Appraisal received

- Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Counter-Unable to use AVM submitted as a post-close secondary value. Valuation is more than 10% variance from primary valuation.

- Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Open- - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Resolved-Post Close Review Desktop Appraisal received

- Due Diligence Vendor-REDACTED

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

N/A

REDACTED

HAWT157165

Closed

FCOM4227

REDACTED

Resolved

1 - Information

Compliance

Missing Doc

TRID: Missing Closing Disclosure

Resolved-Initial Closing Disclosure received - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Open- - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Resolved-Initial Closing Disclosure received - Due Diligence Vendor-REDACTED

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

N/A

REDACTED

HAWT157165

Closed

FCRE1440

REDACTED

Resolved

1 - Information

Credit

Eligibility

Housing History Does Not Meet Guideline Requirements

Resolved-Document Uploaded. - Due Diligence Vendor-REDACTED

Resolved-Housing history documented via email from borrower submitted - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Open-Housing History Does Not Meet Guideline Requirements Final 1003 reflects borrower has no primary housing expense, however, there is no documentation located in file per REDACTED Guidelines to address housing history. - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Resolved-Document Uploaded. - Due Diligence Vendor-REDACTED

Resolved-Housing history documented via email from borrower submitted - Due Diligence Vendor-REDACTED

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

N/A

REDACTED

HAWT157165

Closed

FCRE8201

REDACTED

Waived

2 - Non-Material

Credit

Eligibility

Loan does not conform to program guidelines

Waived-Exception in file (pg 554) to exclude auto loan payment to REDACTED from DTI which is being paid by REDACTED. (Borrower is a REDACTED and will be taking over REDACTED practice.) - Due Diligence Vendor-REDACTED

Significant increase in earnings expected as income will increase after REDACTED takes over practice in REDACTED years

- Credit score is REDACTED points or more above minimum score required.

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

Originator Pre-Close

Yes

REDACTED

HAWT155230

Closed

FCOM1232

REDACTED

Resolved

1 - Information

Compliance

Missing Doc

The Final 1003 is Missing

Resolved-The Final 1003 is Present - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Open-The Final 1003 is Missing THERE WAS NO EVIDENCE OF THE FINAL 1003 IN THE LOAN FILE. - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Resolved-The Final 1003 is Present - Due Diligence Vendor-REDACTED

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

N/A

REDACTED

HAWT155230

Closed

FCOM1621

REDACTED

Resolved

1 - Information

Compliance

Missing Doc

Missing Initial Escrow Disclosure

Resolved-Initial Escrow Account Disclosure is Resolved - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Open-Initial Escrow Account Disclosure is Missing THERE WAS NO EVIDENCE OF THE INITIAL ESCROW ACCOUNT DISCLOSURE IN THE LOAN FILE - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Resolved-Initial Escrow Account Disclosure is Resolved - Due Diligence Vendor-REDACTED

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

N/A

REDACTED

HAWT155755

Closed

FPRO1253

REDACTED

Resolved

1 - Information

Property

Data

Secondary Valuation or Additional Valuation has not been entered per securitization requirements

Resolved-Post Close Review AVM received

- Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Open-Secondary Valuation or Additional Valuation has not been entered per securitization requirements and CU Score, if present, is greater than 2.5 CU score REDACTED page 237 - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Resolved-Post Close Review AVM received

- Due Diligence Vendor-REDACTED

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

N/A

REDACTED

HAWT155755

Closed

FCOM1232

REDACTED

Resolved

1 - Information

Compliance

Missing Doc

The Final 1003 is Missing

Resolved-The Final 1003 is Present - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Open-The Final 1003 is Missing No final 1003 was located in the file during review. Entry form initial 1003 page 1 and 1008 page 413 used for review. - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Resolved-The Final 1003 is Present - Due Diligence Vendor-REDACTED

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

N/A

REDACTED

HAWT154330

Closed

FCOM4001

REDACTED

Resolved

1 - Information

Compliance

Disclosure

Missing Proof of Appraisal Delivery or Signed Appraisal Delivery Waiver

Resolved-System verification of appraisal delivery received – resolved.

- Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Open- - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Resolved-System verification of appraisal delivery received – resolved.

- Due Diligence Vendor-REDACTED

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

N/A

REDACTED

HAWT158140

Closed

FPRO1253

REDACTED

Resolved

1 - Information

Property

Data

Secondary Valuation or Additional Valuation has not been entered per securitization requirements

Resolved-Post Close Review AVM received

- Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Open-Secondary Valuation or Additional Valuation has not been entered per securitization requirements and CU Score, if present, is greater than 2.5 - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Resolved-Post Close Review AVM received

- Due Diligence Vendor-REDACTED

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

N/A

REDACTED

HAWT158140

Closed

FCOM1252

REDACTED

Resolved

1 - Information

Compliance

Missing Doc

TRID: Missing Loan Estimate

Resolved-Revised LE received - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Open-THE LOAN ESTIMATE DATED REDACTED4 WAS NOT IN THE LOAN FILE. THE DOCUMENT TRACKER ON PAGE 186 INDICATES THAT THE LOAN ESTIMATE WAS DELIVERED TO THE BORROWERS ON REDACTED AND RECEIVED ON REDACTED. - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Resolved-Revised LE received - Due Diligence Vendor-REDACTED

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

N/A

REDACTED

HAWT158140

Closed

finding-3631

REDACTED

Resolved

1 - Information

Compliance

Points & Fees

Reimbursement Amount Validation Test

Resolved- - Due Diligence Vendor-REDACTED

Rescinded-Revised LE and COC documentation received - Due Diligence Vendor-REDACTED

Open- - Due Diligence Vendor-REDACTED

Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. THE LOAN DISCOUNT POINTS WERE ADDED ON THE INITIAL CLOSING DISCLOSURE DATED REDACTED WITHOUT A CHANGE OF CIRCUMSTANCE DUE TO THE ISSUE OF THE REVISED LOAN ESTIMATE DATED REDACTED NOT BEING IN THE FILE. THERE IS A CHANGE OF CIRCUMSTANCE DATED REDACTED IN THE FILE FOR THE INCREASE; HOWEVER WITHOUT THE REVISED LOAN ESTIMATE THIS CAUSES THE TOLERANCE ISSUE AS THE CHANGE OF CIRCUMSTANCE CANNOT BE ENTERED IN AS NEEDED. - Due Diligence Vendor-REDACTED

Open- - Due Diligence Vendor-REDACTED

Rescinded-Revised LE and COC documentation received - Due Diligence Vendor-REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

N/A

REDACTED

HAWT154240

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

REDACTED

HAWT155170

Closed

FCRE1494

REDACTED

Acknowledged

2 - Non-Material

Credit

QM-ATR

ATR: Qualifying Payment Not Properly Considered

Acknowledged-DTI within program guidelines - acknowledged/B2 - Due Diligence Vendor-REDACTED

Open-Lender qualified borrower at initial rate vs. fully indexed rate + REDACTED% per loan program. - Due Diligence Vendor-REDACTED

Acknowledged-DTI within program guidelines - acknowledged/B2 - Due Diligence Vendor-REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

Originator Post-Close

REDACTED

HAWT156955

Closed

FCOM4001

REDACTED

Resolved

1 - Information

Compliance

Disclosure

Missing Proof of Appraisal Delivery or Signed Appraisal Delivery Waiver

Resolved-Verification of appraisal delivery received - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Open-Missing Signed copy of Appraisal Delivery Waiver. page 729 or proof of delivery - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Resolved-Verification of appraisal delivery received - Due Diligence Vendor-REDACTED

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

N/A

REDACTED

HAWT155995

Closed

FCRE4165

REDACTED

Resolved

1 - Information

Credit

Income/Employment

Employment Gaps in Employment Without Sufficient Explanation

Resolved-MM program - resolved per contract/letter. - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. REDACTED entered into this employment agreement in REDACTED with REDACTED prospective employer upon graduation. The underwriter did not request a gap letter since we had this agreement and REDACTED and REDACTED employer would agree on a commencement date once she finished school and obtained all required licensing and credentials. - Seller-REDACTED

Open-Missing letter of explanation addressing gap in employment as required by Guideline. School transcripts provided reflects attendance from REDACTED - REDACTED and current employment commenced on REDACTED. page 241,398 - Due Diligence Vendor-REDACTED

Resolved-MM program - resolved per contract/letter. - Due Diligence Vendor-REDACTED

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

N/A

REDACTED

HAWT155995

Closed

FCRE1964

REDACTED

Waived

2 - Non-Material

Credit

Missing Doc

Missing income documentation

Waived-Exception in file to allow REDACTED of employment to use B1 income - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Open-1008 reflects that an exception approval was approved for borrower's income of REDACTED, however, no exception approval was found in file page 401 - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Waived-Exception in file to allow REDACTED of employment to use B1 income - Due Diligence Vendor-REDACTED

FICO REDACTED, Total DTI under program minimum, MM program

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

Originator Pre-Close

Yes

REDACTED

HAWT155995

Closed

FCRE1181

REDACTED

Resolved

1 - Information

Compliance

Disclosure

Subject loan is in Flood Zone and Notice of Special Flood Hazard Disclosure Not Completed

Resolved-Notice of Flood Hazards provided 10 days prior to closing received - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Counter-Notice of Flood Hazards date matches closing date. Agency definition for providing the Notice of Flood Hazards within a reasonable time prior to closing is 10 calendar days. - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Open-Subject Property is in REDACTED but Notice of Special Flood Hazard Disclosure was not provided - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Resolved-Notice of Flood Hazards provided 10 days prior to closing received - Due Diligence Vendor-REDACTED

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

N/A

REDACTED

HAWT155995

Closed

FCRE1316

REDACTED

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 3rd Party VOE Prior to Close Missing

Resolved-Guidelines/procedure received to verify not required prior to REDACTED. App date is REDACTED. Resolved. - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. Reverifications of employment were not obtained on portfolio loans prior to REDACTED. Attached is a snipit of the REDACTED procedures which reflects this. - Seller-REDACTED

Open-Borrower 1 3rd Party VOE Prior to Close Missing Missing VVOE within 10 days of closing as required - Due Diligence Vendor-REDACTED

Resolved-Guidelines/procedure received to verify not required prior to REDACTED. App date is REDACTED. Resolved. - Due Diligence Vendor-REDACTED

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

N/A

REDACTED

HAWT155995

Closed

FCRE1152

REDACTED

Resolved

1 - Information

Credit

Missing Doc

Evidence of Property Tax Missing

Resolved-Evidence of Property Tax is present - Due Diligence Vendor-REDACTED

Resolved-Tax cert received matching amount on Final CD - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Open-Missing Evidence of Property Tax - Missing supporting documentation to verify monthly tax payment of REDACTED per final CD. page 79 - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Resolved-Evidence of Property Tax is present - Due Diligence Vendor-REDACTED

Resolved-Tax cert received matching amount on Final CD - Due Diligence Vendor-REDACTED

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

N/A

REDACTED

HAWT155995

Closed

FCOM1270

REDACTED

Resolved

1 - Information

Compliance

Disclosure

ARM Disclosure Not Provided Within 3 Days of Application Date

Resolved-Verification ARM disclosure sent within 3 days of application received - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. ARM was sent on REDACTED per Disclosure Tracking Summary - Seller-REDACTED

Open-ARM Disclosure Not Provided Within 3 Days of Application Date - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. ARM was sent on REDACTED per Disclosure Tracking Summary - Seller-REDACTED

Resolved-Verification ARM disclosure sent within 3 days of application received - Due Diligence Vendor-REDACTED

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

N/A

REDACTED

HAWT155995

Closed

FCOM1621

REDACTED

Resolved

1 - Information

Compliance

Missing Doc

Missing Initial Escrow Disclosure

Resolved-Initial Escrow Account Disclosure received - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Open-Initial Escrow Account Disclosure is Missing THERE WAS NO EVIDENCE OF THE INITIAL ESCROW ACCOUNT DISCLOSURE IN THE LOAN FILE. - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Resolved-Initial Escrow Account Disclosure received - Due Diligence Vendor-REDACTED

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

N/A

REDACTED

HAWT155995

Closed

FCOM1232

REDACTED

Resolved

1 - Information

Compliance

Missing Doc

The Final 1003 is Missing

Resolved-The Final 1003 is Present - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Open-The Final 1003 is Missing - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Resolved-The Final 1003 is Present - Due Diligence Vendor-REDACTED

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

N/A

REDACTED

HAWT157225

Closed

FCRE5116

REDACTED

Resolved

1 - Information

Credit

Missing Doc

Missing VOM or VOR

Resolved-Rental history verified, resolved. - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded by lender. Rental history was reported on the credit report. See attached. - Due Diligence Vendor-REDACTED

Counter- - Due Diligence Vendor-REDACTED

Ready for Review-Agreed the VOR should have been obtained. - Seller-REDACTED

Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. Per the Final 1003, the borrower currently has no primary housing expense and rented prior to. There is VOR in the file and also no evidence that the borrower is currently living rent free. - Due Diligence Vendor-REDACTED

Ready for Review-Agreed the VOR should have been obtained. - Seller-REDACTED

Resolved-Rental history verified, resolved. - Due Diligence Vendor-REDACTED

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

N/A

REDACTED

HAWT157225

Closed

FCRE8201

REDACTED

Waived

2 - Non-Material

Credit

Eligibility

Loan does not conform to program guidelines

Waived-Exception in file and comments to proceed with Refer with Caution finding. - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. The underwriter should have added the Refer with Caution finding in the "Other" section on the credit exception form as the DTI using REDACTED for deferred student loans is driving the AUS decision. Without the student loans projected payment the AUS finding is Approve/Ineligible due to LTV. - Seller-REDACTED

Open-The DU in the file on page 223 has a Recommendation of 'Refer with Caution'. There is no exception in file approving this guideline exception. - Due Diligence Vendor-REDACTED

Waived-Exception in file and comments to proceed with Refer with Caution finding. - Due Diligence Vendor-REDACTED

Significant increase in earnings expected, B1 is in residency, DTI as reported on credit is REDACTED

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

Originator Post-Close

Yes

REDACTED

HAWT157225

Closed

FCRE6911

REDACTED

Waived

2 - Non-Material

Credit

Eligibility

DTI exceeds program maximum

Waived-Exception is in file (pg 424) approving back end DTI of REDACTED vs. program max of REDACTED%. - Due Diligence Vendor-REDACTED

Credit score REDACTED points or more over program minimum, Significant increase in earnings expected (borrower was in residency at the time of approval, with expectation to increase after residency), DTI as reported on credit is REDACTED - using REDACTED per guidelines results in DTI of REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

Originator Pre-Close

Yes

REDACTED

HAWT156370

Closed

FCOM1544

REDACTED

Resolved

1 - Information

Compliance

Missing Doc

TRID: Missing Closing Disclosure

Resolved-Document Received - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Open-TRID: Missing Final Closing Disclosure Missing final, executed Closing Disclosure - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Resolved-Document Received - Due Diligence Vendor-REDACTED

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

N/A

REDACTED

HAWT157150

Closed

FPRO1253

REDACTED

Resolved

1 - Information

Property

Data

Secondary Valuation or Additional Valuation has not been entered per securitization requirements

Resolved-Post Close Review Desktop Appraisal received

- Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Counter-Property value/1004 REDACTED. AVM received as secondary valuation is REDACTED. This is greater than a 10% variance and will require a different secondary valuation product.

- Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Open-Secondary Valuation or Additional Valuation has not been entered per securitization requirements and CU Score, if present, is greater than 2.5 - Due Diligence Vendor-REDACTED

Open-Secondary Valuation or Additional Valuation has not been entered per securitization requirements and CU Score, if present, is greater than 2.5. LCA & CU both in file - REDACTED - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Resolved-Post Close Review Desktop Appraisal received

- Due Diligence Vendor-REDACTED

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

N/A

REDACTED

HAWT157150

Closed

FCRE1440

REDACTED

Resolved

1 - Information

Credit

Eligibility

Housing History Does Not Meet Guideline Requirements

Resolved-Housing history verification prior to note date received - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. Credit supplement attached showing REDACTED months reviewed for previous mortgage lender, REDACTED. - Seller-REDACTED

Open-Housing History Does Not Meet Guideline Requirements REDACTED months housing history provided by lender is insufficient to meet REDACTED months required REDACTED - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. Credit supplement attached showing REDACTED months reviewed for previous mortgage lender, REDACTED. - Seller-REDACTED

Resolved-Housing history verification prior to note date received - Due Diligence Vendor-REDACTED

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

N/A

REDACTED

HAWT157150

Closed

FCOM4001

REDACTED

Resolved

1 - Information

Compliance

Disclosure

Missing Proof of Appraisal Delivery or Signed Appraisal Delivery Waiver

Resolved-

System verification of appraisal delivery received – resolved.

- Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Open- - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Resolved-

System verification of appraisal delivery received – resolved.

- Due Diligence Vendor-REDACTED

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

N/A

REDACTED

HAWT157150

Closed

FCRE1449

REDACTED

Resolved

1 - Information

Credit

Assets

Asset 7 Expired

Resolved-Asset statements in file are REDACTED - resolved. - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. REDACTED age of credit documents are calculated using REDACTED. REDACTED attached. - Seller-REDACTED

Open-Asset REDACTED Expired REDACTED - Asset dated REDACTED is REDACTED from Note - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. REDACTED age of credit documents are calculated using REDACTED. REDACTED attached. - Seller-REDACTED

Resolved-Asset statements in file REDACTED - resolved. - Due Diligence Vendor-REDACTED

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

N/A

REDACTED

HAWT157150

Closed

FCRE1448

REDACTED

Resolved

1 - Information

Credit

Assets

Asset 6 Expired

Resolved-Asset statements in file are REDACTED - resolved. - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. REDACTED age of credit documents are calculated using REDACTED. REDACTED attached. - Seller-REDACTED

Open-Asset REDACTED Expired REDACTED - Asset dated REDACTED is REDACTED from Note - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. REDACTED age of credit documents are calculated using REDACTED. REDACTED attached. - Seller-REDACTED

Resolved-Asset statements in file REDACTED - resolved. - Due Diligence Vendor-REDACTED

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

N/A

REDACTED

HAWT157150

Closed

FCRE1447

REDACTED

Resolved

1 - Information

Credit

Assets

Asset 5 Expired

Resolved-Asset statements in file are REDACTED - resolved. - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. REDACTED age of credit documents are calculated using REDACTED. REDACTED attached. - Seller-REDACTED

Open-Asset REDACTED Expired REDACTED - Asset dated REDACTED is REDACTED from Note - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. REDACTED age of credit documents are calculated using REDACTED. REDACTED attached. - Seller-REDACTED

Resolved-Asset statements in file REDACTED - resolved. - Due Diligence Vendor-REDACTED

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

N/A

REDACTED

HAWT157150

Closed

FCRE1446

REDACTED

Resolved

1 - Information

Credit

Assets

Asset 4 Expired

Resolved-Asset statements in file are REDACTED - resolved. - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. REDACTED age of credit documents are calculated using REDACTED. REDACTED attached. - Seller-REDACTED

Open-Asset REDACTED Expired REDACTED - Asset dated REDACTED is REDACTED from Note - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. REDACTED age of credit documents are calculated using REDACTED. REDACTED attached. - Seller-REDACTED

Resolved-Asset statements in file REDACTED - resolved. - Due Diligence Vendor-REDACTED

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

N/A

REDACTED

HAWT154750

Closed

FCOM1122

REDACTED

Resolved

1 - Information

Compliance

TRID

Missing Initial CD

Resolved-Initial CD received - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Open-Initial CD must be submitted MISSING INITIAL CD - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Resolved-Initial CD received - Due Diligence Vendor-REDACTED

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

N/A

REDACTED

HAWT154750

Closed

FCOM1621

REDACTED

Resolved

1 - Information

Compliance

Missing Doc

Missing Initial Escrow Disclosure

Resolved-Initial Escrow Disclosure Received - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Open-Initial Escrow Account Disclosure is Missing INITIAL ESCROW ACCOUNT DISCLOSURE IS MISSING - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Resolved-Initial Escrow Disclosure Received - Due Diligence Vendor-REDACTED

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

N/A

REDACTED

HAWT154750

Closed

FCOM1232

REDACTED

Resolved

1 - Information

Compliance

Missing Doc

The Final 1003 is Missing

Resolved-The Final 1003 is Present - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Open-The Final 1003 is Missing - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Resolved-The Final 1003 is Present - Due Diligence Vendor-REDACTED

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

N/A

REDACTED

HAWT154750

Closed

FCRE8201

REDACTED

Waived

2 - Non-Material

Credit

Eligibility

Loan does not conform to program guidelines

Waived-Borrower 1 employment start date is REDACTED days from closing, exceeding the REDACTED limit per REDACTED guideline. A guideline exception has been approved based on the following compensating factor. page 228 - Due Diligence Vendor-REDACTED

- Credit score is REDACTED points or more above minimum score required.

- Borrower continuing current employment until move.

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

Originator Pre-Close

Yes

REDACTED

HAWT154300

Closed

FCOM4227

REDACTED

Resolved

1 - Information

Compliance

Missing Doc

TRID: Missing Closing Disclosure

Resolved-Signed CD received - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Open-Final signed CD not in file - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Resolved-Signed CD received - Due Diligence Vendor-REDACTED

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

N/A

REDACTED

HAWT154300

Closed

FCOM1252

REDACTED

Resolved

1 - Information

Compliance

Missing Doc

TRID: Missing Loan Estimate

Resolved-LE received - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Open-BASED OFF THE CHANGE OF CIRCUMSTANCE ON PAGE REDACTED IN THE LOAN FILE DATED REDACTED, THE CHANGE OF CIRCUMSTANCE WAS ISSUED FOR THE LOAN ESTIMATE DATED REDACTED AND THIS LOAN ESTIMATE WAS NOT FOUND IN THE LOAN FILE. - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Resolved-LE received - Due Diligence Vendor-REDACTED

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

N/A

REDACTED

HAWT154300

Closed

FCOM4001

REDACTED

Resolved

1 - Information

Compliance

Disclosure

Missing Proof of Appraisal Delivery or Signed Appraisal Delivery Waiver

Resolved-System verification of appraisal delivery received – resolved.

- Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Open- - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Resolved-System verification of appraisal delivery received – resolved.

- Due Diligence Vendor-REDACTED

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

N/A

REDACTED

HAWT157300

Closed

FCOM1232

REDACTED

Resolved

1 - Information

Compliance

Missing Doc

The Final 1003 is Missing

Resolved-The Final 1003 is received - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Open-The Final 1003 is Missing THE FINAL 1003 IS MISSING - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Resolved-The Final 1003 is received - Due Diligence Vendor-REDACTED

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

N/A

REDACTED

HAWT157300

Closed

FCOM1621

REDACTED

Resolved

1 - Information

Compliance

Missing Doc

Missing Initial Escrow Disclosure

Resolved-Initial Escrow Disclosure received - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Open-Initial Escrow Account Disclosure is Missing INITIAL ESCROW ACCOUNT DISCLOSURE IS MISSING - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Resolved-Initial Escrow Disclosure received - Due Diligence Vendor-REDACTED

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

N/A

REDACTED

HAWT155500

Closed

FPRO1253

REDACTED

Resolved

1 - Information

Property

Data

Secondary Valuation or Additional Valuation has not been entered per securitization requirements

Resolved-Post Close Review AVM received

- Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Open- - Due Diligence Vendor-REDACTED

Rescinded-Secondary Valuation or Additional Valuation has not been entered per securitization requirements and CU Score, if present, is greater than 2.5 CU score REDACTED page 266 - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Resolved-Post Close Review AVM received

- Due Diligence Vendor-REDACTED

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

N/A

REDACTED

HAWT156400

Closed

FCOM4227

REDACTED

Resolved

1 - Information

Compliance

Missing Doc

TRID: Missing Closing Disclosure

Resolved-Final signed CD received - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Open-Missing final signed CD - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Resolved-Final signed CD received - Due Diligence Vendor-REDACTED

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

N/A

REDACTED

HAWT156400

Closed

FCRE1442

REDACTED

Resolved

1 - Information

Credit

Assets

Asset 1 Expired

Resolved-Asset verification is REDACTED - resolved - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. REDACTEDupdated their age of credit documents calculation requirement from REDACTED. - Seller-REDACTED

Open-Asset 1 Expired Age of Asset documentation in file being REDACTED days from Note date exceeds REDACTED. page 568 - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. REDACTED updated their age of credit documents calculation requirement from REDACTED. - Seller-REDACTED

Resolved-Asset verification is REDACTED- resolved - Due Diligence Vendor-REDACTED

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

N/A

REDACTED

HAWT158155

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

REDACTED

HAWT157360

Closed

FCOM9610

REDACTED

Resolved

1 - Information

Compliance

Missing Doc

Missing Power of Attorney

Resolved-Signed, recorded POA received - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Open-Limited Power of Attorney in file is not signed & notarized - pg 43 - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Resolved-Signed, recorded POA received - Due Diligence Vendor-REDACTED

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

N/A

REDACTED

HAWT157360

Closed

FCRE1501

REDACTED

Waived

2 - Non-Material

Credit

Assets

Total Qualified Assets for Reserves Post-Close is less than Total Required Reserve Amount

Waived-Total Qualified Assets for Reserves Post-Close of REDACTED is less than Total Required Reserve Amount of REDACTED. Loan reserves of REDACTED does not meet reserves requirement of REDACTED required by guidelines. Lender provided guidelines exception approval which reflects the reserves is short by REDACTED and it is anticipated that reserves will be received from REDACTED - Due Diligence Vendor-REDACTED

Open-Total Qualified Assets for Reserves Post-Close of REDACTED is less than Total Required Reserve Amount of REDACTED. Loan reserves of REDACTED months does not meet reserves requirement of REDACTED required by guidelines. Lender provided guidelines exception approval which reflects the reserves is short by REDACTED and it is anticipated that reserves will be received from REDACTED based on the following compensating factors. page 464 - Due Diligence Vendor-REDACTED

Significant increase in earnings expected as borrower is finishing his fellowship and income will increase from REDACTED monthly to REDACTED monthly.

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

Originator Pre-Close

Yes

REDACTED

HAWT155770

Closed

FCOM4001

REDACTED

Resolved

1 - Information

Compliance

Disclosure

Missing Proof of Appraisal Delivery or Signed Appraisal Delivery Waiver

Resolved-System verification of appraisal delivery received – resolved.

- Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Open- - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Resolved-System verification of appraisal delivery received – resolved.

- Due Diligence Vendor-REDACTED

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

N/A

REDACTED

HAWT153940

Closed

FCRE1193

REDACTED

Waived

2 - Non-Material

Credit

Eligibility

Audited DTI Exceeds Guideline DTI

Waived-Exception in file to allow DTI at REDACTED vs. program max of REDACTED% - page 801 - Due Diligence Vendor-REDACTED

DTI without student loans is REDACTED , significant increase of earnings anticipated - student loan payments deferred until REDACTED at the time of exception

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

Originator Pre-Close

Yes

REDACTED

HAWT157480

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

REDACTED

HAWT157585

Closed

FPRO1253

REDACTED

Resolved

1 - Information

Property

Data

Secondary Valuation or Additional Valuation has not been entered per securitization requirements

Resolved-Post Close Review AVM received

- Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Open-Secondary Valuation or Additional Valuation has not been entered per securitization requirements and CU Score, if present, is greater than 2.5 - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Resolved-Post Close Review AVM received

- Due Diligence Vendor-REDACTED

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

N/A

REDACTED

HAWT157585

Closed

FCOM1621

REDACTED

Resolved

1 - Information

Compliance

Missing Doc

Missing Initial Escrow Disclosure

Resolved- - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Open-Initial Escrow Account Disclosure is Missing INITIAL ESCROW DISCLOSURE IS MISSING - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

N/A

REDACTED

HAWT157585

Closed

FCRE8201

REDACTED

Waived

2 - Non-Material

Credit

Eligibility

Loan does not conform to program guidelines

Waived-Exception on page 698 to allow the DU Recommendation which is "Refer with Caution." - Due Diligence Vendor-REDACTED

REDACTED are to be fully forgiven in the future, FICO more than REDACTED points above minimum

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

Originator Pre-Close

Yes

REDACTED

HAWT154105

Closed

FPRO1253

REDACTED

Resolved

1 - Information

Property

Data

Secondary Valuation or Additional Valuation has not been entered per securitization requirements

Resolved-Post Close Review AVM received

- Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Open-Secondary Valuation or Additional Valuation has not been entered per securitization requirements and CU Score, if present, is greater than 2.5 CU & LCA in file - REDACTED - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Resolved-Post Close Review AVM received

- Due Diligence Vendor-REDACTED

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

N/A

REDACTED

HAWT154105

Closed

FCRE1440

REDACTED

Waived

2 - Non-Material

Credit

Eligibility

Housing History Does Not Meet Guideline Requirements

Waived-Document Uploaded. Exception received to allow no VOR at origination. Lender obtained a post-closing VOR to verify acceptable rental history prior to loan. - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. Exception form submitted. - Seller-REDACTED

Ready for Review-Document Uploaded. Underwriter did not condition for VOR. With REDACTED information in the file provided by REDACTED we were able to verify previous rental history. VOR attached. - Seller-REDACTED

Open-Housing History Does Not Meet Guideline Requirements - Missing evidence of housing history - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. Exception form submitted. - Seller-REDACTED

Waived-Document Uploaded. Exception received to allow no VOR at origination. Lender obtained a post-closing VOR to verify acceptable rental history prior to loan. - Due Diligence Vendor-REDACTED

REDACTED FICO, REDACTED months reserves verified at closing

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

Originator Post-Close

Yes

REDACTED

HAWT154105

Closed

FCRE1159

REDACTED

Resolved

1 - Information

Credit

Insurance

Hazard Insurance Effective Date is after the Note Date

Resolved-Hazard Insurance dec page received with effective date of REDACTED - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Open-Hazard Insurance Effective Date of REDACTED is after the Note Date of REDACTED - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Resolved-Hazard Insurance dec page received with effective date of REDACTED- Due Diligence Vendor-REDACTED

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

N/A

REDACTED

HAWT154000

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

REDACTED

HAWT155395

Closed

FPRO1253

REDACTED

Resolved

1 - Information

Property

Data

Secondary Valuation or Additional Valuation has not been entered per securitization requirements

Resolved-Post Close Review AVM received

- Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Open- - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Resolved-Post Close Review AVM received

- Due Diligence Vendor-REDACTED

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

N/A

REDACTED

HAWT155395

Closed

FCRE3653

REDACTED

Resolved

1 - Information

Credit

Missing Doc

Missing letter of explanation

Resolved-Resolved per lender response - Due Diligence Vendor-REDACTED

Ready for Review-The borrower's percentage of ownership on the K-1s is minimal, well below REDACTED. For that reason, they were not included in the income analysis. - Seller-REDACTED

Open-Per the provided 1065 K-1 schedules, Borrower has interests in multiple partnerships, some of which show negative income. These losses were excluded from the DTI calculation without an accompanying letter of explanation justifying the exclusion. - Due Diligence Vendor-REDACTED

Ready for Review-The borrower's percentage of ownership on the K-1s is minimal, well below REDACTED. For that reason, they were not included in the income analysis. - Seller-REDACTED

Resolved-Resolved per lender response - Due Diligence Vendor-REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

N/A

REDACTED

HAWT154075

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Second Home

Purchase

REDACTED

HAWT156940

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Second Home

Purchase

REDACTED

HAWT157870

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

REDACTED

HAWT156130

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

REDACTED

HAWT155080

Closed

FCOM4001

REDACTED

Resolved

1 - Information

Compliance

Disclosure

Missing Proof of Appraisal Delivery or Signed Appraisal Delivery Waiver

Resolved-System verification of appraisal delivery received – resolved.

- Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Open-Missing signed copy of Appraisal waiver disclosure or proof of appraisal delivery. page 405

- Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Resolved-System verification of appraisal delivery received – resolved.

- Due Diligence Vendor-REDACTED

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

N/A

REDACTED

HAWT157690

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

REDACTED

HAWT155095

Closed

FCOM4227

REDACTED

Resolved

1 - Information

Compliance

Missing Doc

TRID: Missing Closing Disclosure

Resolved-Initial CD received - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Open-THERE WAS NO EVIDENCE OF THE INITIAL CLOSING DISCLOSURE DATED REDACTED IN THE LOAN FILE. BASED OFF THE DOCUMENT TRACKER ON PAGE 359 THE INITIAL CLOSING DISCLOSURE WAS DELIVERED TO THE BORROWERS TIMELY ON REDACTED. - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Resolved-Initial CD received - Due Diligence Vendor-REDACTED

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

N/A

REDACTED

HAWT154045

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

REDACTED

HAWT155620

Closed

FCRE1253

REDACTED

Resolved

1 - Information

Credit

Eligibility

Missing Property Tax Cert

Resolved-Property Tax Cert Provided - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Open-Missing Property Tax Cert There is no Tax Cert in the file. The data entered is from the 1008. - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Resolved-Property Tax Cert Provided - Due Diligence Vendor-REDACTED

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

N/A

REDACTED

HAWT154090

Closed

FPRO1242

REDACTED

Resolved

1 - Information

Property

Missing Doc

Appraisal is Missing

Resolved-Appraisal is Present or is Waived - Due Diligence Vendor-REDACTED

Resolved-Appraisal - 1004 received - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Open-1004-D is in file, but original 1004 was not located in file - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Resolved-Appraisal is Present or is Waived - Due Diligence Vendor-REDACTED

Resolved-Appraisal - 1004 received - Due Diligence Vendor-REDACTED

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

N/A

REDACTED

HAWT154090

Closed

FCOM4001

REDACTED

Resolved

1 - Information

Compliance

Disclosure

Missing Proof of Appraisal Delivery or Signed Appraisal Delivery Waiver

Resolved-System verification of appraisal delivery received – resolved.

- Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Open- - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Resolved-System verification of appraisal delivery received – resolved.

- Due Diligence Vendor-REDACTED

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

N/A

REDACTED

HAWT154090

Closed

FCRE5116

REDACTED

Resolved

1 - Information

Credit

Missing Doc

Missing VOM or VOR

Resolved-Information received - resolved - Due Diligence Vendor-REDACTED

Ready for Review-See LOX from borrower living in REDACTED. - Seller-REDACTED

Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. UW to REDACTED. There is no VOR/VOM in the file and the borrowers current residence is not in their Credit Report. - Due Diligence Vendor-REDACTED

Ready for Review-See LOX from borrower living in REDACTED. - Seller-REDACTED

Resolved-Information received - resolved - Due Diligence Vendor-REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

N/A

REDACTED

HAWT154090

Closed

FCRE8201

REDACTED

Waived

2 - Non-Material

Credit

Eligibility

Loan does not conform to program guidelines

Waived-**EXCEPTION in the file to allow the DU status of Refer with Caution on page 544.** - Due Diligence Vendor-REDACTED

Net worth to cover debt service for REDACTED months

- Sufficient Residual income

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

Originator Pre-Close

Yes

REDACTED

HAWT154810

Closed

FCOM4227

REDACTED

Resolved

1 - Information

Compliance

Missing Doc

TRID: Missing Closing Disclosure

Resolved-Initial CD received - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Open-MISSING INITIAL CLOSING DISCLOSURE - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Resolved-Initial CD received - Due Diligence Vendor-REDACTED

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

N/A

REDACTED

HAWT157075

Closed

FPRO1253

REDACTED

Resolved

1 - Information

Property

Data

Secondary Valuation or Additional Valuation has not been entered per securitization requirements

Resolved-Post Close Review AVM received

- Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Counter-The loan amount is REDACTED, the appraisal in the file is REDACTED, and the AVM submitted is REDACTED. This is more than REDACTED and will need a different valuation product. - Due Diligence Vendor-REDACTED

Counter-Post Close Review Valuation AVM received, however, confidence score is less than REDACTED.

- Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Open-Secondary Valuation or Additional Valuation has not been entered per securitization requirements and CU Score, if present, is greater than 2.5 - Due Diligence Vendor-REDACTED

Open- - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Resolved-Post Close Review AVM received

- Due Diligence Vendor-REDACTED

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

N/A

REDACTED

HAWT156745

Closed

FCRE8201

REDACTED

Resolved

1 - Information

Credit

Eligibility

Loan does not conform to program guidelines

Resolved-TPR is in agreement and used the correct qualification method of the higher of the start rate plus REDACTED or the fully indexed rate in determining the PI payment which is REDACTED and matches lender 1008 on rate and qualification. The qualifying payment of REDACTED vs. AUS of REDACTED is lower & within REDACTED. Resolved. - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. For the REDACTED program the borrower is qualified at the higher of the start rate plus REDACTED or the fully indexed rate. The AUS system reflects the fully indexed rate. The property is new construction and the current taxes are based on the lot only. The borrower is qualified with the taxes for the lot plus improvements and the tax calculation is provided by the closing attorney. - Seller-REDACTED

Open-AUS in file reflects PI amount of REDACTED vs actual PI of REDACTED and property tax amount of REDACTED vs REDACTED monthly verified from tax info document and Final CD. page 281,116. Missing final AUS. page 267,117 - Due Diligence Vendor-REDACTED

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

N/A

REDACTED

HAWT156745

Closed

FCOM1544

REDACTED

Resolved

1 - Information

Compliance

Missing Doc

TRID: Missing Closing Disclosure

Resolved-TRID: Final signed Closing Disclosure Provided - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Open-TRID: Missing Final Closing Disclosure Final signed CD is not located in file - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Resolved-TRID: Final signed Closing Disclosure Provided - Due Diligence Vendor-REDACTED

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

N/A

REDACTED

HAWT156745

Closed

FCRE1501

REDACTED

Waived

2 - Non-Material

Credit

Assets

Total Qualified Assets for Reserves Post-Close is less than Total Required Reserve Amount

Waived-Total Qualified Assets for Reserves Post-Close of REDACTED is less than Total Required Reserve Amount of REDACTED Borrower's total reserves is REDACTED months (REDACTED months on subject property and additional REDACTED months on retained property) and he received gift funds of REDACTED from REDACTED which is not allowed to cover additional reserves needed for property ownership, however, lender provided guidelines exception approval. page 734,736 - Due Diligence Vendor-REDACTED

Earnings potential increase, verified reserves, auto draft payments

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

Originator Pre-Close

Yes

REDACTED

HAWT156745

Closed

FCRE7532

REDACTED

Waived

2 - Non-Material

Credit

Eligibility

Qualifying Credit Score does not meet eligibility requirement(s)

Waived-Borrower's FICO score of REDACTED is less than REDACTED allowed by guidelines, however, lender provided guidelines exception approval allowing to process the loan based on the following compensating factor. page 734,736 - Due Diligence Vendor-REDACTED

Earnings potential increase, verified reserves, auto draft payments

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

Originator Pre-Close

Yes

REDACTED

HAWT158170

Closed

FPRO1253

REDACTED

Resolved

1 - Information

Property

Data

Secondary Valuation or Additional Valuation has not been entered per securitization requirements

Resolved-Post Close Review AVM received

- Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Open- - Due Diligence Vendor-REDACTED

Resolved-Secondary Valuation or Additional Valuation is present or Not Required (CU Score is '') - Due Diligence Vendor-REDACTED

Open-Secondary Valuation or Additional Valuation has not been entered per securitization requirements and CU Score, if present, is greater than 2.5 - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Resolved-Post Close Review AVM received

- Due Diligence Vendor-REDACTED

Resolved-Secondary Valuation or Additional Valuation is present or Not Required (CU Score is '') - Due Diligence Vendor-REDACTED

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

N/A

REDACTED

HAWT158170

Closed

FCOM4227

REDACTED

Resolved

1 - Information

Compliance

Missing Doc

TRID: Missing Closing Disclosure

Resolved-Final Signed CD received - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Open-The file does not contain an executed Final CD, pg 121 - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Resolved-Final Signed CD received - Due Diligence Vendor-REDACTED

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

N/A

REDACTED

HAWT158170

Closed

FCOM1477

REDACTED

Resolved

1 - Information

Compliance

Missing Doc

Missing evidence of rate lock

Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Open-Evidence of Rate Lock Missing THERE WAS NO RATE LOCK AGREEMENT OR LOCKED LOAN ESTIMATE IN THE LOAN FILE. THE CHANGE OF CIRCUMSTANCE DOES REFLECT LOAN LOCKED ON PAGE 165 AT THE TIME OF THE INITIAL CLOSING DISCLOSURE. - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-REDACTED

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

N/A

REDACTED

HAWT158170

Closed

FCRE8201

REDACTED

Waived

2 - Non-Material

Credit

Eligibility

Loan does not conform to program guidelines

Waived-Exception - pg 633 - to allow a non-occupant co-borrower on loan which is not allowed per program guidelines - Due Diligence Vendor-REDACTED

Open-The file received an Exception for use of Non Occupying Co-borrower, pg 633. - Due Diligence Vendor-REDACTED

Waived-Exception - pg 633 - to allow a non-occupant co-borrower on loan which is not allowed per program guidelines - Due Diligence Vendor-REDACTED

Borrower has non-occupanct co-borrower cosigning for him while borrower is in residency, significant earnings increase expected when borrower is out of residency, student loans in deferment, credit score is REDACTED points or more over program minimum

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

Originator Pre-Close

Yes

REDACTED

HAWT158170

Closed

FCRE1494

REDACTED

Acknowledged

2 - Non-Material

Credit

QM-ATR

ATR: Qualifying Payment Not Properly Considered

Acknowledged-The loan closed as a REDACTED (pg 13) require Note Rate REDACTED + REDACTED% (or REDACTED) to qualify. The 1003/approval does not reflect the correct qualifying rate, PI or DTI.

(Note, pg 678) (1008, pg 528) - Due Diligence Vendor-REDACTED

Acknowledged-The loan closed as a REDACTED (pg 13) require Note Rate REDACTED + REDACTED% (or REDACTED) to qualify. The 1003/approval does not reflect the correct qualifying rate, PI or DTI.

(Note, pg 678) (1008, pg 528) - Due Diligence Vendor-REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

Originator Post-Close

REDACTED

HAWT155305

Closed

FCRE1501

REDACTED

Resolved

1 - Information

Credit

Assets

Total Qualified Assets for Reserves Post-Close is less than Total Required Reserve Amount

Resolved-Total Qualified Assets for Reserves Post-Close of REDACTED is equal to or greater than Total Required Reserve Amount of REDACTED - Due Diligence Vendor-REDACTED

Resolved-Verification of earnest money paid received - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. Evidence of REDACTED earnest money paid. - Seller-REDACTED

Open-Total Qualified Assets for Reserves Post-Close of REDACTED is less than Total Required Reserve Amount of REDACTED. The Deposit funds of REDACTED have not been verified which would put the borrowers over the reserve requirement. - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. Evidence of REDACTED earnest money paid. - Seller-REDACTED

Resolved-Total Qualified Assets for Reserves Post-Close of REDACTED is equal to or greater than Total Required Reserve Amount of REDACTED - Due Diligence Vendor-REDACTED

Resolved-Verification of earnest money paid received - Due Diligence Vendor-REDACTED

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

N/A

REDACTED

HAWT154660

Closed

FCOM4227

REDACTED

Resolved

1 - Information

Compliance

Missing Doc

TRID: Missing Closing Disclosure

Resolved-Initial CD received - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Open-THERE WAS NO EVIDENCE OF THE INITIAL CLOSING DISCLOSURE IN THE LOAN FILE. - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Resolved-Initial CD received - Due Diligence Vendor-REDACTED

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

N/A

REDACTED

HAWT154660

Closed

FCRE1161

REDACTED

Resolved

1 - Information

Credit

Missing Doc

Flood Certificate Missing

Resolved-Document Received - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Open-Missing Flood Certificate FLOOD CERT is not in the file - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Resolved-Document Received - Due Diligence Vendor-REDACTED

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

N/A

REDACTED

HAWT156430

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Refinance

No Cash Out - Borrower Initiated

REDACTED

HAWT157060

Closed

FPRO1253

REDACTED

Resolved

1 - Information

Property

Data

Secondary Valuation or Additional Valuation has not been entered per securitization requirements

Resolved-Post Close AVM received - accepted - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Open-Secondary Valuation or Additional Valuation has not been entered per securitization requirements and CU Score, if present, is greater than 2.5 CU score REDACTED page 217 - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Resolved-Post Close AVM received - accepted - Due Diligence Vendor-REDACTED

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

N/A

REDACTED

HAWT157060

Closed

FCOM4001

REDACTED

Resolved

1 - Information

Compliance

Disclosure

Missing Proof of Appraisal Delivery or Signed Appraisal Delivery Waiver

Resolved-System verification of appraisal delivery received. - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Open-No waiver or receipt of appraisal was located in the file during review. - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Resolved-System verification of appraisal delivery received. - Due Diligence Vendor-REDACTED

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

N/A

REDACTED

HAWT155155

Closed

FCOM4001

REDACTED

Resolved

1 - Information

Compliance

Disclosure

Missing Proof of Appraisal Delivery or Signed Appraisal Delivery Waiver

Resolved-Borrower received copy of the appraisal or signed the delivery waiver disclosure. - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Open-Missing Signed Appraisal Delivery Waiver or Proof of Appraisal Deliver. page 206 - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Resolved-Borrower received copy of the appraisal or signed the delivery waiver disclosure. - Due Diligence Vendor-REDACTED

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

N/A

REDACTED

HAWT156865

Closed

FPRO1253

REDACTED

Resolved

1 - Information

Property

Data

Secondary Valuation or Additional Valuation has not been entered per securitization requirements

Resolved-Post closing desk review received - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Open-Secondary Valuation or Additional Valuation has not been entered per securitization requirements and CU Score, if present, is greater than 2.5 - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Resolved-Post closing desk review received - Due Diligence Vendor-REDACTED

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

N/A

REDACTED

HAWT156865

Closed

FCRE1964

REDACTED

Resolved

1 - Information

Credit

Missing Doc

Missing income documentation

Resolved-Income documentation received - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. Missing income from REDACTED attached for both borrowers. - Seller-REDACTED

Open-B1 & B2 both have additional income from REDACTED that is being used in qualifying. There is no documentation in file supporting the REDACTED for either borrower. - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. Missing income from REDACTED attached for both borrowers. - Seller-REDACTED

Resolved-Income documentation received - Due Diligence Vendor-REDACTED

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

N/A

REDACTED

HAWT156865

Closed

FCOM4227

REDACTED

Resolved

1 - Information

Compliance

Missing Doc

TRID: Missing Closing Disclosure

Resolved-Initial Closing Disclosure received - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Open-THERE WAS NO EVIDENCE OF THE INITIAL CLOSING DISCLSOURE DATED REDACTED IN THE LOAN FILE. BASED OFF THE DOCUMENT TRACKER ON PAGE 54, THE INITIAL CLOSING DISCLSOURE WAS PROVIDED TO THE BORROWERS ON REDACTED. - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Resolved-Initial Closing Disclosure received - Due Diligence Vendor-REDACTED

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

N/A

REDACTED

HAWT156865

Closed

FCRE1146

REDACTED

Resolved

1 - Information

Credit

Missing Doc

Title Document is Partially Present

Resolved-Title Document is fully Present - Due Diligence Vendor-REDACTED

Resolved-Title policy received - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Open-Title Document is incomplete or only partially present Preliminary title in file does not show lender as the named insured lender. Final title policy listing lender as the covered lender needed. - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Resolved-Title Document is fully Present - Due Diligence Vendor-REDACTED

Resolved-Title policy received - Due Diligence Vendor-REDACTED

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

N/A

REDACTED

HAWT155470

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

REDACTED

HAWT155425

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

REDACTED

HAWT157570

Closed

FCRE1501

REDACTED

Resolved

1 - Information

Credit

Assets

Total Qualified Assets for Reserves Post-Close is less than Total Required Reserve Amount

Resolved-Confirmed reserves via including gift funds per REDACTED guidelines in place at the time of loan origination. - Due Diligence Vendor-REDACTED

Ready for Review-Notes on Underwriting Summary page in REDACTED show loan was underwritten and documented to REDACTED feedback which allows gifts funds to be used for reserves. - Seller-REDACTED

Open-Program requires REDACTED months reserves on new primary plus REDACTED months on prior primary that is converting to an investment property. (Reserves new primary - REDACTED + reserves investment REDACTED = REDACTED4.) Gift funds cannot be used as reserves. Verified REDACTED per account statement in file. Short on required reserves. - Due Diligence Vendor-REDACTED

Ready for Review-Notes on Underwriting Summary page in REDACTED show loan was underwritten and documented to REDACTED feedback which allows gifts funds to be used for reserves. - Seller-REDACTED

Resolved-Confirmed reserves via including gift funds per REDACTED guidelines in place at the time of loan origination. - Due Diligence Vendor-REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

N/A

REDACTED

HAWT157570

Closed

FCRE1437

REDACTED

Resolved

1 - Information

Credit

Income/Employment

Income and Employment Do Not Meet Guidelines

Resolved-Paystubs received & gap information received. Resolved. - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. Final paystub covering periodREDACTED and deposit into bank account. Employment contract used for qualifying income beginning REDACTED. Loan was underwritten to REDACTED standards and documentation. Gap letter not required by underwriter as borrower was relocating from REDACTED to REDACTED. - Seller-REDACTED

Open-Income and Employment Do Not Meet Guidelines Missing verification of previous employment at REDACTED from REDACTED - REDACTED. Additionally, gap in employment was not addressed in file, as previous employment ended REDACTED per Final 1003 and new employment commences on REDACTED. - Due Diligence Vendor-REDACTED

Resolved-Paystubs received & gap information received. Resolved. - Due Diligence Vendor-REDACTED

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

N/A

REDACTED

HAWT157570

Closed

FCRE8611

REDACTED

Waived

2 - Non-Material

Credit

Income/Employment

Income/Employment General

Waived-Borrower is planning to relocate to REDACTED and close on a home at the end of REDACTED, but will not start REDACTED new position until REDACTED, which exceeds REDACTED days from closing allowed by REDACTED guidelines, however, lender provided guidelines exception approval - pg 640 - Due Diligence Vendor-REDACTED

Credit score is points or more above minimum score required.

- Current mtg history with lender paid appropriately

- Start date is more than REDACTED days but less than REDACTED days

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

Originator Pre-Close

Yes

REDACTED

HAWT157975

Closed

FCRE2515

REDACTED

Waived

2 - Non-Material

Credit

Eligibility

Credit history does not meet guidelines

Waived-Borrower failed to meet standard tradeline requirements; however, an exception was granted. Rental history of REDACTED supported by VOR was utilized to satisfy these requirements. page 490 - Due Diligence Vendor-REDACTED

Significant increase in earnings expected (significant= REDACTED or more of current income), credit score REDACTED points or more above program minimum

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

Originator Pre-Close

Yes

REDACTED

HAWT157330

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Second Home

Purchase

REDACTED

HAWT155065

Closed

FCRE5116

REDACTED

Resolved

1 - Information

Credit

Missing Doc

Missing VOM or VOR

Resolved-Resolved per DU/AUS - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. Loan was underwritten and documented to REDACTED/DU. DU did not require a VOR. - Seller-REDACTED

Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. VOR not located in file - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. Loan was underwritten and documented to REDACTED/DU. DU did not require a VOR. - Seller-REDACTED

Resolved-Resolved per DU/AUS - Due Diligence Vendor-REDACTED

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

N/A

REDACTED

HAWT155065

Closed

FCOM4227

REDACTED

Resolved

1 - Information

Compliance

Missing Doc

TRID: Missing Closing Disclosure

Resolved-Initial CD received - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Open-THERE WAS NO EVIDENCE OF THE INITIAL CLOSING DISCLOSURE DATED REDACTED IN THE LOAN FILE. THE DISCLOSURE TRACKER ON PAGE 280 INDICATES THAT THE INITIAL CLOSING DISCLOSURE WAS DELIVERED ON REDACTED AND RECIEVED BY THE BORROWERS ON REDACTED. - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Resolved-Initial CD received - Due Diligence Vendor-REDACTED

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

N/A

REDACTED

HAWT155545

Closed

FCRE1193

REDACTED

Waived

2 - Non-Material

Credit

Eligibility

Audited DTI Exceeds Guideline DTI

Waived-The loan received an exception for DTI REDACTED, maximum REDACTED% exceeded.

(Exception, pg 394) - Due Diligence Vendor-REDACTED

Waived-The loan received an exception for DTI REDACTED, maximum REDACTED% exceeded.

(Exception, pg 394) - Due Diligence Vendor-REDACTED

Credit score REDACTED points or more over program minimum

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

Originator Pre-Close

Yes

REDACTED

HAWT155020

Closed

FCOM1221

REDACTED

Resolved

1 - Information

Compliance

Missing Doc

The Deed of Trust is Incomplete

Resolved-The Deed of Trust is Present and Complete - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Open-The Deed of Trust is Incomplete PAGE ONE OF THE DEED WAS NOT LOCATED IN THE FILE. - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Resolved-The Deed of Trust is Present and Complete - Due Diligence Vendor-REDACTED

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

N/A

REDACTED

HAWT157960

Closed

FPRO1253

REDACTED

Resolved

1 - Information

Property

Data

Secondary Valuation or Additional Valuation has not been entered per securitization requirements

Resolved-Post Close Review AVM received

- Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Open-Secondary Valuation or Additional Valuation has not been entered per securitization requirements and CU Score, if present, is greater than 2.5 - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Resolved-Post Close Review AVM received

- Due Diligence Vendor-REDACTED

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Second Home

Refinance

No Cash Out - Borrower Initiated

N/A

REDACTED

HAWT157960

Closed

FCOM1477

REDACTED

Resolved

1 - Information

Compliance

Missing Doc

Missing evidence of rate lock

Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Open-Evidence of Rate Lock Missing NO EVIDENCE OF THE RATE LOCK AGREEMENT OR LOAN BEING LOCKED IN THE LOAN FILE - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-REDACTED

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Second Home

Refinance

No Cash Out - Borrower Initiated

N/A

REDACTED

HAWT157960

Closed

FCOM8227

REDACTED

Resolved

1 - Information

Compliance

Missing Doc

TRID: Missing Loan Estimate

Resolved-Initial Loan Estimate is not Missing. - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Open-Initial Loan Estimate is Missing. NO EVIDENCE OF THE INITIAL DATED REDACTED OR RE-DISCLOSED LOAN ESTIMATE DATED REDACTED IN THE LOAN FILE. BASED OFF THE DISCLOSURE TRACKER ON PAGE 17 THE LOAN ESTIMATE'S WERE DELIVERED TIMELY. - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Resolved-Initial Loan Estimate is not Missing. - Due Diligence Vendor-REDACTED

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Second Home

Refinance

No Cash Out - Borrower Initiated

N/A

REDACTED

HAWT157960

Closed

FCOM1544

REDACTED

Resolved

1 - Information

Compliance

Missing Doc

TRID: Missing Closing Disclosure

Resolved-TRID: Final Closing Disclosure Provided - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Open-TRID: Missing Final Closing Disclosure NO EVIDENCE OF THE FINAL CLOSING DISCLOSURE DATED REDACTED IN THE LOAN FILE. BASED OFF THE DISCLOSURE TRACKER ON PAGE 17 THE FINAL CLOSING DISCLOSURE WAS DELIVERED TO THE BORROWERS ON REDACTED. - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Resolved-TRID: Final Closing Disclosure Provided - Due Diligence Vendor-REDACTED

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Second Home

Refinance

No Cash Out - Borrower Initiated

N/A

REDACTED

HAWT156205

Closed

FPRO1253

REDACTED

Resolved

1 - Information

Property

Data

Secondary Valuation or Additional Valuation has not been entered per securitization requirements

Resolved-Post close desk review received - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Counter-Post close Desktop appraisal received with a variance of greater than 10% from the original appraisal value. Secondary valuation finding remains open. - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Counter-The loan amount is REDACTED, the appraisal in the file is REDACTED, and the AVM submitted is REDACTED. This is more than 10% off REDACTED and will need a different secondary valuation product.

- Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Open-Secondary Valuation or Additional Valuation has not been entered per securitization requirements and CU Score, if present, is greater than 2.5 LCA & CU in file - REDACTED - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Resolved-Post close desk review received - Due Diligence Vendor-REDACTED

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Second Home

Purchase

N/A

REDACTED

HAWT156205

Closed

FCRE1437

REDACTED

Waived

2 - Non-Material

Credit

Income/Employment

Income and Employment Do Not Meet Guidelines

Waived-Income and Employment Do Not Meet Guidelines Lender calculated borrower's monthly income of REDACTED using base salary from employment contract and averaged 'Other income' over REDACTED months for year REDACTED and REDACTED YTD. The paystub REDACTED reflects the current paystubs with a salary reduced by a long-term pretax salary reduction that REDACTED elected to pay, however, lender provided guidelines exception approval allowing to calculate the income from borrower's contract based on the following compensating factors. page 240,683 - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Credit score of REDACTED points or more above minimum score required, increased potential income now that bonus is no longer capped, REDACTED, sufficient reserves

QM: Safe Harbor APOR (APOR SH)

REDACTED

Second Home

Purchase

Originator Pre-Close

Yes

REDACTED

HAWT158185

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

REDACTED

HAWT154735

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Second Home

Purchase

REDACTED

HAWT157435

Closed

FCRE1437

REDACTED

Waived

2 - Non-Material

Credit

Income/Employment

Income and Employment Do Not Meet Guidelines

Waived- - Due Diligence Vendor-REDACTED

Income exception based on new contract approved in file - pg 502. Lender allowing use of minimum base x hours per month per contract. - REDACTED

Waived- - Due Diligence Vendor-REDACTED

Significant increase in earnings expected - new resident - REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

Originator Pre-Close

Yes

REDACTED

HAWT157435

Closed

FCRE8201

REDACTED

Waived

2 - Non-Material

Credit

Eligibility

Loan does not conform to program guidelines

Waived-The file contained an exception for allowing a DU Refer w Caution result. (Exception, pg 502) - Due Diligence Vendor-REDACTED

Significant increase in earnings expected, new resident - REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

Originator Pre-Close

Yes

REDACTED

HAWT157435

Closed

FCRE1494

REDACTED

Acknowledged

2 - Non-Material

Credit

QM-ATR

ATR: Qualifying Payment Not Properly Considered

Acknowledged-Lender qualified borrower on initial rate instead of greater of the note rate or fully indexed rate + REDACTED. TPR used correct qualifying payment and REDACTED calculations for REDACTED per REDACTED guidelines. - Due Diligence Vendor-REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

Originator Post-Close

REDACTED

HAWT156625

Closed

FCOM4001

REDACTED

Resolved

1 - Information

Compliance

Disclosure

Missing Proof of Appraisal Delivery or Signed Appraisal Delivery Waiver

Resolved-System verification of appraisal delivery received – resolved.

- Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Open- - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Resolved-System verification of appraisal delivery received – resolved.

- Due Diligence Vendor-REDACTED

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

N/A

REDACTED

HAWT157090

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

REDACTED

HAWT156175

Closed

FCRE1195

REDACTED

Waived

2 - Non-Material

Credit

Eligibility

Audited CLTV Exceeds Guideline CLTV

Waived-Exception in file to allow CLTV of REDACTED - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. See credit exception form attached. - Seller-REDACTED

Open-Program CLTV max is REDACTED for loan amount. Loan is originated at REDACTED per guidelines. - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. See credit exception form attached. - Seller-REDACTED

Waived-Exception in file to allow CLTV of REDACTED - Due Diligence Vendor-REDACTED

Significant increase in earnings anticipated - new employment offer in REDACTED, letter in file documenting borrower will be making REDACTED/annually.

- FICO more than REDACTED points above program minimum

- Borrower listing two homes that will be for sale in prior location of employment REDACTED

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

Originator Pre-Close

Yes

REDACTED

HAWT156175

Closed

FCOM1122

REDACTED

Resolved

1 - Information

Compliance

TRID

Missing Initial CD

Resolved-Initial CD received - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Open-Initial CD must be submitted MISSING INITIAL CD - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Resolved-Initial CD received - Due Diligence Vendor-REDACTED

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

N/A

REDACTED

HAWT155110

Closed

FCRE4989

REDACTED

Resolved

1 - Information

Credit

Closing

Collections, liens or judgments not paid at closing

Resolved-Resolved - underwritten to REDACTED standards - Due Diligence Vendor-REDACTED

Ready for Review-REDACTED allows: Collections or non-mortgage charge-offs less than REDACTED that do not affect title do not

have to be satisfied prior to closing (See Adverse Credit Section). - Seller-REDACTED

Open-Collection with REDACTED for REDACTED was not paid off prior to or at closing pg 337 - Due Diligence Vendor-REDACTED

Ready for Review-REDACTED allows: Collections or non-mortgage charge-offs less than REDACTED that do not affect title do not

have to be satisfied prior to closing (See Adverse Credit Section). - Seller-REDACTED

Resolved-Resolved - underwritten to REDACTED standards - Due Diligence Vendor-REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

N/A

REDACTED

HAWT155110

Closed

FCRE1197

REDACTED

Waived

2 - Non-Material

Credit

Eligibility

Audited FICO is less than Guideline FICO

Waived-Exception in file to allow B2 with a credit score of REDACTED under program minimum - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. Credit exception form attached. - Seller-REDACTED

Open-Exception noted on 1008 to allow FICO of REDACTED vs. program min of REDACTED. Exception screenshot with compensating factors and approval is needed. - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. Credit exception form attached. - Seller-REDACTED

Waived-Exception in file to allow B2 with a credit score of REDACTED under program minimum - Due Diligence Vendor-REDACTED

B1 can support the loan without B2 contributing to income, DTI is REDACTED%, B1 FICO of REDACTED

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

Originator Pre-Close

Yes

REDACTED

HAWT155110

Closed

FCOM4227

REDACTED

Resolved

1 - Information

Compliance

Missing Doc

TRID: Missing Closing Disclosure

Resolved-Document Received - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Open-THERE WAS NO EVIDENCE OF THE INITIAL CLOSING DISCLOSURE DATED REDACTED IN THE LOAN FILE. PER THE DOCUMENT TRACKER PAGE:435 THE INITIAL CLOSING DISCLOSURE WAS ISSUED REDACTED. - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Resolved-Document Received - Due Diligence Vendor-REDACTED

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

N/A

REDACTED

HAWT157240

Closed

FPRO1253

REDACTED

Resolved

1 - Information

Property

Data

Secondary Valuation or Additional Valuation has not been entered per securitization requirements

Resolved-Post Close Review Desktop Appraisal received

- Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Open-Secondary Valuation or Additional Valuation has not been entered per securitization requirements and CU Score, if present, is greater than 2.5 - Due Diligence Vendor-REDACTED

Open- - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Resolved-Post Close Review Desktop Appraisal received

- Due Diligence Vendor-REDACTED

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

N/A

REDACTED

HAWT157240

Closed

FCRE5116

REDACTED

Resolved

1 - Information

Credit

Missing Doc

Missing VOM or VOR

Resolved-UW to DU - no VOR required - resolved - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. The underwriter reviewed and documented the loan to REDACTED findings vs. underwriting to REDACTED Mortgage UW Standards. The loan was Approve/Ineligible where the ineligibility was for the loan amount only. DU did not require a VOR in its findings. Final DU submission (#7) attached. - Seller-REDACTED

Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. There is no LOX for no primary housing expense. - Due Diligence Vendor-REDACTED

Resolved-UW to DU - no VOR required - resolved - Due Diligence Vendor-REDACTED

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

N/A

REDACTED

HAWT156550

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Second Home

Purchase

REDACTED

HAWT153850

Closed

FPRO1253

REDACTED

Resolved

1 - Information

Property

Data

Secondary Valuation or Additional Valuation has not been entered per securitization requirements

Resolved-Post-close desk review received - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Counter-Unable to use AVM submitted as a post-close secondary value. Valuation is more than 10% variance from primary valuation. - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Open-Secondary Valuation or Additional Valuation has not been entered per securitization requirements and CU Score, if present, is greater than 2.5 - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Resolved-Post-close desk review received - Due Diligence Vendor-REDACTED

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

N/A

REDACTED

HAWT153850

Closed

FCOM4001

REDACTED

Resolved

1 - Information

Compliance

Disclosure

Missing Proof of Appraisal Delivery or Signed Appraisal Delivery Waiver

Resolved-Borrower received copy of the appraisal or signed the delivery waiver disclosure. - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Open- - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Resolved-Borrower received copy of the appraisal or signed the delivery waiver disclosure. - Due Diligence Vendor-REDACTED

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

N/A

REDACTED

HAWT156070

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

REDACTED

HAWT156790

Closed

FCRE1167

REDACTED

Resolved

1 - Information

Credit

Insurance

Inadequate Hazard Insurance Coverage - Hazard Insurance Coverage is less than all Subject Lien(s)and Replacement Cost Estimator by Insurer was not Provided

Resolved-Reverified insurance coverage with documents provided. Cleared - coverage verified. - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Due Diligence Vendor-REDACTED

Open-Inadequate Hazard Insurance Coverage - Hazard Insurance Coverage of REDACTED is less than all Subject Lien(s), and Guaranteed Replacement Coverage is provided but Replacement Cost Estimator by Insurer was not Provided DWELLING COVERAGE IS INSUFFICIENT. LOAN AMOUNT IS REDACTED , REPLACEMENT IS REDACTED , AND DWELLING COVERAGE IS REDACTED pg 101. REDACTED worksheet indicates REDACTED . - Due Diligence Vendor-REDACTED

Resolved-Reverified insurance coverage with documents provided. Cleared - coverage verified. - Due Diligence Vendor-REDACTED

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Refinance

No Cash Out - Borrower Initiated

N/A

REDACTED

HAWT156790

Closed

FCRE8611

REDACTED

Waived

2 - Non-Material

Credit

Income/Employment

Income/Employment General

Waived-Exception received to use base salary when it will be variable in less than REDACTED months - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. Credit exception form attached. - Seller-REDACTED

Open-1008 on page 357 states there is an income exception approved. No documentation of the exception, including compensating factors, is located in file. - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. Credit exception form attached. - Seller-REDACTED

Waived-Exception received to use base salary when it will be variable in less than REDACTED months - Due Diligence Vendor-REDACTED

Credit score more than REDACTED points over minimum score, borrower is REDACTED with REDACTED renewing contract - income REDACTED was set salary, after REDACTED, income is REDACTED of generated billing.

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Refinance

No Cash Out - Borrower Initiated

Originator Pre-Close

Yes

REDACTED

HAWT156790

Closed

FCOM1262

REDACTED

Resolved

1 - Information

Compliance

Missing Doc

Right of Rescission is Missing

Resolved-Right of Rescission is Provided - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Open-Right of Rescission is Missing - Due Diligence Vendor-REDACTED

Open- - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Resolved-Right of Rescission is Provided - Due Diligence Vendor-REDACTED

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Refinance

No Cash Out - Borrower Initiated

N/A

REDACTED

HAWT154555

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

REDACTED

HAWT154765

Closed

FCRE6911

REDACTED

Waived

2 - Non-Material

Credit

Eligibility

DTI exceeds program maximum

Waived-Loan DTI of REDACTED exceeds guidelines limit of REDACTED% due to Borrower's REDACTED atREDACTED being under contract and closing on REDACTED, however, lender provided Guidelines exception approval allowing to process the transaction based on the following compensating factors. page 270 - Due Diligence Vendor-REDACTED

Credit score is REDACTED points or more above minimum score required.

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

Originator Pre-Close

Yes

REDACTED

HAWT156835

Closed

FPRO1253

REDACTED

Resolved

1 - Information

Property

Data

Secondary Valuation or Additional Valuation has not been entered per securitization requirements

Resolved-Post Close Review AVM received

- Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Open-Secondary Valuation or Additional Valuation has not been entered per securitization requirements and CU Score, if present, is greater than 2.5 - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Resolved-Post Close Review AVM received

- Due Diligence Vendor-REDACTED

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Refinance

No Cash Out - Borrower Initiated

N/A

REDACTED

HAWT156835

Closed

FCOM8227

REDACTED

Resolved

1 - Information

Compliance

Missing Doc

TRID: Missing Loan Estimate

Resolved-Initial Loan Estimate is not Missing. - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Open-Initial Loan Estimate is Missing. - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Resolved-Initial Loan Estimate is not Missing. - Due Diligence Vendor-REDACTED

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Refinance

No Cash Out - Borrower Initiated

N/A

REDACTED

HAWT156835

Closed

FCOM4227

REDACTED

Resolved

1 - Information

Compliance

Missing Doc

TRID: Missing Closing Disclosure

Resolved-Final signed CD received - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Open-Missing final signed closing disclosure - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Resolved-Final signed CD received - Due Diligence Vendor-REDACTED

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Refinance

No Cash Out - Borrower Initiated

N/A

REDACTED

HAWT156835

Closed

FCOM1477

REDACTED

Resolved

1 - Information

Compliance

Missing Doc

Missing evidence of rate lock

Resolved-Rate Lock documented - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Open-Evidence of Rate Lock Missing - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Resolved-Rate Lock documented - Due Diligence Vendor-REDACTED

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Refinance

No Cash Out - Borrower Initiated

N/A

REDACTED

HAWT154480

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

REDACTED

HAWT157495

Closed

FCRE1184

REDACTED

Resolved

1 - Information

Credit

Missing Doc

AUS Not Provided

Resolved-AUS is fully present - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Open-The DU is not in the file. The only document indicating the loan was submitted to DU is a an Early Check Loan-Level Results on page 266. - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Resolved-AUS is fully present - Due Diligence Vendor-REDACTED

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

N/A

REDACTED

HAWT154705

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Refinance

Limited Cash Out - <1% of Loan Amount or $2000

REDACTED

HAWT158200

Closed

FCOM1208

REDACTED

Resolved

1 - Information

Compliance

Missing Doc

The Note is Incomplete

Resolved-The Note is Present - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. Note and rider attached. - Seller-REDACTED

Open-Note - pg 415 - is missing pages/cutoff information - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. Note and rider attached. - Seller-REDACTED

Resolved-The Note is Present - Due Diligence Vendor-REDACTED

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

N/A

REDACTED

HAWT158200

Closed

FCRE1467

REDACTED

Resolved

1 - Information

Credit

Missing Doc

Asset 1 Missing

Resolved-Asset verification received - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. VOA attached. - Seller-REDACTED

Open-Asset 1 Missing - Due Diligence Vendor-REDACTED

Open-The file did not contain any verified assets. - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. VOA attached. - Seller-REDACTED

Resolved-Asset verification received - Due Diligence Vendor-REDACTED

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

N/A

REDACTED

HAWT158200

Closed

FCOM1221

REDACTED

Resolved

1 - Information

Compliance

Missing Doc

The Deed of Trust is Incomplete

Resolved-The Deed of Trust is Present and Complete - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. Mortgage attached. - Seller-REDACTED

Open-Deed of Trust/Mortgage (pg 403) is missing information/cutoff/pages. - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. Mortgage attached. - Seller-REDACTED

Resolved-The Deed of Trust is Present and Complete - Due Diligence Vendor-REDACTED

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

N/A

REDACTED

HAWT157180

Closed

FCOM1206

REDACTED

Resolved

1 - Information

Compliance

Missing Doc

The Note is Missing

Resolved-The Note is Present - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Open-The Note is Missing - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Resolved-The Note is Present - Due Diligence Vendor-REDACTED

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

N/A

REDACTED

HAWT156670

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

REDACTED

HAWT156235

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

REDACTED

HAWT157615

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

REDACTED

HAWT155125

Buyer

FCOM2739

REDACTED

Rejected

2 - Non-Material

Compliance

TRID

TRID: Form/disclosure deficiency

Rejected-Written List of Service Providers not provided - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. Title fees were disclosed on CD pg 2 Section B -Services Borrower Did Not Shop for which made them subject to worst case 10% tolerance cures. Fee Variance Worksheet attached - Seller-REDACTED

Open-THE SETTLEMENT SERVICE PROVIDERS LIST WAS NOT FILLED IN REFLECTING THE APPLICABLE PROVIDERS. THE FORM WAS BLANK. PAGE:51-53 - Due Diligence Vendor-REDACTED

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

N/A

REDACTED

HAWT155125

Closed

finding-3631

REDACTED

Resolved

1 - Information

Compliance

Points & Fees

Reimbursement Amount Validation Test

Resolved-Fees within tolerance, resolved - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. REDACTED fees were disclosed on CD pg 2 Section B -Services Borrower Did Not Shop for which made them subject to worst case 10% tolerance cures. Fee Variance Worksheet attached - Seller-REDACTED

Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. THE SETTLEMENT SERVICE PROVIDERS LIST WAS NOT FILLED IN REFLECTING THE APPLICABLE PROVIDERS. THE REDACTED FEES MOVED FROM SECTION C TO SECTION B ON THE FINAL CLOSING DISCLOSURE AND UNABLE TO VALIDATE IF THE REDACTED WAS ON THE PROVIDERS LIST. THIS CAUSES A TOLERANCE CURE OF REDACTED. - Due Diligence Vendor-REDACTED

Open- - Due Diligence Vendor-REDACTED

Resolved-Fees within tolerance, resolved - Due Diligence Vendor-REDACTED

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

N/A

REDACTED

HAWT155125

Closed

finding-3634

REDACTED

Resolved

1 - Information

Compliance

TRID

Charges That Cannot Increase Test

Resolved-Fees within tolerance, resolved - Due Diligence Vendor-REDACTED

Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is REDACTED.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). THE SETTLEMENT SERVICE PROVIDERS LIST WAS NOT FILLED IN REFLECTING THE APPLICABLE PROVIDERS. THE REDACTED MOVED FROM SECTION C TO SECTION B ON THE FINAL CLOSING DISCLOSURE AND UNABLE TO VALIDATE IF THE REDACTED WAS ON THE PROVIDERS LIST. THIS CAUSES A TOLERANCE CURE OF REDACTED. - Due Diligence Vendor-REDACTED

Open- - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. REDACTED were disclosed on CD pg 2 Section B -Services Borrower Did Not Shop for which made them subject to worst case 10% tolerance cures. Fee Variance Worksheet attached - Seller-REDACTED

Resolved-Fees within tolerance, resolved - Due Diligence Vendor-REDACTED

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

N/A

REDACTED

HAWT156910

Closed

FCRE1197

REDACTED

Waived

2 - Non-Material

Credit

Eligibility

Audited FICO is less than Guideline FICO

Waived-Exception in file to allow credit score under program minimum - Due Diligence Vendor-REDACTED

Open- - Due Diligence Vendor-REDACTED

Waived-Exception in file to allow credit score under program minimum - Due Diligence Vendor-REDACTED

relationship with lender/avg balance on deposit greater than REDACTED of loan amount, adequate net worth/liquid assets to cover total debt service for REDACTED months

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

Originator Pre-Close

Yes

REDACTED

HAWT156910

Closed

FCRE1441

REDACTED

Waived

2 - Non-Material

Credit

Eligibility

Delinquent Credit History Does Not Meet Guideline Requirements

Waived-Exception form received to allow REDACTED to remain open and not be paid at closing - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. See attached credit exception form. - Seller-REDACTED

Counter-Customer explanation that they had a disagreement with REDACTED received. UW exception to not payoff at or prior to closing is required. - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Counter-Will you please provide the documentation to support the underwriter's decision or an exception allowing this now/post-close? - Due Diligence Vendor-REDACTED

Ready for Review-The underwriter did not require the borrower to pay off the balance on their previous REDACTED based on the explanation provided and REDACTED had charged it off on the REDACTED. - Seller-REDACTED

Open-Delinquent Credit History Does Not Meet Guideline Requirements Loan UW to REDACTED. Chargeoff with REDACTED remaining open at closing within prior REDACTED years that was not paid off at/prior to closing. Pg 322. - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. See attached credit exception form. - Seller-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Waived-Exception form received to allow REDACTED to remain open and not be paid at closing - Due Diligence Vendor-REDACTED

relationship with lender/avg balance on deposit greater than REDACTED of loan amount, adequate net worth/liquid assets to cover total debt service for REDACTED months

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

Originator Pre-Close

Yes

REDACTED

HAWT156910

Closed

FCOM1122

REDACTED

Resolved

1 - Information

Compliance

TRID

Missing Initial CD

Resolved-Initial CD received - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Open-Initial CD must be submitted MISSING INITIAL CD - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Resolved-Initial CD received - Due Diligence Vendor-REDACTED

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

N/A

REDACTED

HAWT157660

Closed

FPRO1253

REDACTED

Resolved

1 - Information

Property

Data

Secondary Valuation or Additional Valuation has not been entered per securitization requirements

Resolved-Post Close Review AVM received

- Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Open-Secondary Valuation or Additional Valuation has not been entered per securitization requirements and CU Score, if present, is greater than 2.5 - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Resolved-Post Close Review AVM received

- Due Diligence Vendor-REDACTED

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

N/A

REDACTED

HAWT155800

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

REDACTED

HAWT155050

Closed

FCOM4001

REDACTED

Resolved

1 - Information

Compliance

Disclosure

Missing Proof of Appraisal Delivery or Signed Appraisal Delivery Waiver

Resolved-System verification of appraisal delivery received – resolved.

- Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Open-Missing Signed Appraisal Delivery Waiver or Proof of Appraisal Delivery. REDACTED - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Resolved-System verification of appraisal delivery received – resolved.

- Due Diligence Vendor-REDACTED

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

N/A

REDACTED

HAWT154720

Closed

FPRO1253

REDACTED

Resolved

1 - Information

Property

Data

Secondary Valuation or Additional Valuation has not been entered per securitization requirements

Resolved-Post Close Review AVM received

- Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Open-Secondary Valuation or Additional Valuation has not been entered per securitization requirements and CU Score, if present, is greater than 2.5 CU score is REDACTED additional Secondary valuation is required. - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Resolved-Post Close Review AVM received

- Due Diligence Vendor-REDACTED

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

N/A

REDACTED

HAWT154720

Closed

FCRE8201

REDACTED

Waived

2 - Non-Material

Credit

Eligibility

Loan does not conform to program guidelines

Waived-EXCEPTION IS ON PG 357/Email chain on pg 565 - Exception to allow REDACTED program for borrower with an REDACTED position other than REDACTED. - Due Diligence Vendor-REDACTED

Liquid assets/net worth to cover debt service for REDACTED months, FICO REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

Originator Pre-Close

Yes

REDACTED

HAWT155950

Closed

FCRE1168

REDACTED

Resolved

1 - Information

Credit

Insurance

Inadequate Hazard Insurance Coverage - Hazard Insurance Coverage is less than all Subject Lien(s) and Replacement Cost Value Provided

Resolved-HOI coverage received - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. See email from REDACTED confirming this policy at closing had endorsement REDACTED for additional REDACTED coverage - REDACTED. - Seller-REDACTED

Open-Inadequate Hazard Insurance Coverage - Hazard Insurance Coverage Amount of REDACTED is less than all Subject Lien(s) and/or Replacement Cost Estimator is provided but Hazard Insurance Coverage Amount is less than Replacement Cost Value of REDACTED Required dwelling coverage amount of REDACTED is higher than dwelling coverage of REDACTED per HOI policy. Additional coverage A is not specifically stated on policy. There is no replacement cost estimate in file. page 110 - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. See email from REDACTED confirming this policy at closing had endorsement REDACTED for additional REDACTED coverage - REDACTED. - Seller-REDACTED

Resolved-HOI coverage received - Due Diligence Vendor-REDACTED

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

N/A

REDACTED

HAWT154840

Closed

FPRO1253

REDACTED

Resolved

1 - Information

Property

Data

Secondary Valuation or Additional Valuation has not been entered per securitization requirements

Resolved-Post close desk review valuation received - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Counter-Property value/1004 REDACTED. AVM received as secondary valuation is REDACTED. This is greater than a 10% variance and will require a different secondary valuation product.

- Due Diligence Vendor-REDACTED

Ready for Review-It is our understanding that a confidence score of REDACTED or higher is acceptable. - Seller-REDACTED

Counter-Post Close Review Valuation AVM received, however, confidence score is less than REDACTED. Acceptable secondary value needed.

- Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Open-Secondary Valuation or Additional Valuation has not been entered per securitization requirements and CU Score, if present, is greater than 2.5 CU in file is REDACTED - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Ready for Review-It is our understanding that a confidence score of REDACTED or higher is acceptable. - Seller-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Resolved-Post close desk review valuation received - Due Diligence Vendor-REDACTED

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

N/A

REDACTED

HAWT154840

Closed

FCRE7247

REDACTED

Resolved

1 - Information

Credit

Missing Doc

Missing AUS Findings

Resolved-Document Received - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Open- - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Resolved-Document Received - Due Diligence Vendor-REDACTED

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

N/A

REDACTED

HAWT155410

Buyer

FCOM2739

REDACTED

Rejected

2 - Non-Material

Compliance

TRID

TRID: Form/disclosure deficiency

Rejected-Disclosure not provided per disclosure tracking - Due Diligence Vendor-REDACTED

Open-Written List of Service Providers not issued - Due Diligence Vendor-REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

N/A

REDACTED

HAWT155410

Closed

finding-3638

REDACTED

Resolved

1 - Information

Compliance

TRID

Reimbursement Amount Test

Resolved-Fees within tolerance, resolved - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. The REDACTED were disclosed in section B on the CD pg 2 subjecting them to the 10% tolerance calculation.

This would have been the worst case scenario, but there was no cure needed. The Fee Variance worksheet and CD are attached.

- Seller-REDACTED

Open- - Due Diligence Vendor-REDACTED

Open-This loan failed the reimbursement amount test. (12 CFR §1026.19(f)(2)(v))Amounts paid by the consumer exceed the permitted tolerances and the provided reimbursement amount of REDACTED, is not sufficient to reimburse the consumer the amount by which the tolerances were exceeded, REDACTED.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §1026.19(e)(3)(i) or (ii), the creditor complies with §1026.19(e)(1)(i) if the creditor refunds the excess to the consumer no later than 60 days after consummation, and the creditor complies with §1026.19(f)(1)(i) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than 60 days after consummation. THE REDACTED; REDACTED MOVED FROM SECTION C TO SECTION B ON THE FINAL CLOSING DISCLOSURE. THE REDACTED USED WAS NOT ON THE AFFILATED BUSINESS DISCLOSURE AND THE WRITTEN LIST OF PROVIDERS WAS NOT ACCURATLY COMPLETED, THE FORM WAS BLANK. WITHOUT VALIDATION OF THE PROVIDERS LIST THIS CAUSES A TOLERANCE ISSUE OF REDACTED. - Due Diligence Vendor-REDACTED

Open- - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. The REDACTED were disclosed in section B on the CD pg 2 subjecting them to the 10% tolerance calculation.

This would have been the worst case scenario, but there was no cure needed. The Fee Variance worksheet and CD are attached.

- Seller-REDACTED

Resolved-Fees within tolerance, resolved - Due Diligence Vendor-REDACTED

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

N/A

REDACTED

HAWT155410

Closed

finding-3634

REDACTED

Resolved

1 - Information

Compliance

TRID

Charges That Cannot Increase Test

Resolved-Fees within tolerance, resolved - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. The REDACTED were disclosed in section B on the CD pg 2 subjecting them to the 10% tolerance calculation.

This would have been the worst case scenario, but there was no cure needed. Fee Variance worksheet and CD attached.

- Seller-REDACTED

Open- - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. The REDACTED were disclosed in section B on the CD pg 2 subjecting them to the 10% tolerance calculation.

This would have been the worst case scenario, but there was no cure needed. Fee Variance worksheet and CD attached.

- Seller-REDACTED

Resolved-Fees within tolerance, resolved - Due Diligence Vendor-REDACTED

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

N/A

REDACTED

HAWT155410

Closed

FCRE1437

REDACTED

Waived

2 - Non-Material

Credit

Income/Employment

Income and Employment Do Not Meet Guidelines

Waived-Exception form received allowing borrower income as a REDACTED with less than REDACTED years of self-employment history - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. Credit exception form attached. - Seller-REDACTED

Open-Income and Employment Do Not Meet Guidelines Borrower 2, REDACTED starting REDACTED, falls short of the standard REDACTED-year self-employment requirement per REDACTED Guidelines; however, a guideline exception was approved based on the following compensating factors. Unable to locate exception form and compensating factors in file. - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. Credit exception form attached. - Seller-REDACTED

Waived-Exception form received allowing borrower income as a REDACTED with less than REDACTED years of self-employment history - Due Diligence Vendor-REDACTED

- Credit score is REDACTED points or more above minimum score required.

- Same line of work/profession, different pay structure only

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

Originator Pre-Close

Yes

REDACTED

HAWT158215

Closed

FCOM4227

REDACTED

Resolved

1 - Information

Compliance

Missing Doc

TRID: Missing Closing Disclosure

Resolved- - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Open-Final signed CD not located in file - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

N/A

REDACTED

HAWT158230

Closed

FCOM1122

REDACTED

Resolved

1 - Information

Compliance

TRID

Missing Initial CD

Resolved-Document Received - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Open-Initial CD must be submitted THERE WAS NO EVIDENCE OF THE INITIAL CLOSING DISCLOSURE DATED REDACTED IN THE LOAN FILE. BASED OFF THE DISCLOSURE TRACKER ON PAGE 21 THE INITIAL CLOSING DISCLOSURE WAS ISSUED ON REDACTED. - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Resolved-Document Received - Due Diligence Vendor-REDACTED

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

N/A

REDACTED

HAWT158230

Closed

FCOM4227

REDACTED

Resolved

1 - Information

Compliance

Missing Doc

TRID: Missing Closing Disclosure

Resolved-Document Received - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Open-THERE WAS NO EVIDENCE OF THE REVISED CLOSING DISCLOSURE DATED REDACTED IN THE LOAN FILE. BASED OFF THE DISCLOSURE TRACKER ON PAGE 21 THE CLOSING DISCLOSURE WAS ISSUED ON REDACTED. - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Resolved-Document Received - Due Diligence Vendor-REDACTED

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

N/A

REDACTED

HAWT155680

Buyer

FCOM2739

REDACTED

Rejected

2 - Non-Material

Compliance

TRID

TRID: Form/disclosure deficiency

Rejected-Written List of Service Providers not provided - Due Diligence Vendor-REDACTED

Open-THE WRITTEN SETTLEMENT SERVICE PROVIDERS LIST IN THE LOAN FILE WAS NOT FILLED IN WITH THE APPLICABLE PROVIDERS. PAGE:29 - Due Diligence Vendor-REDACTED

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

N/A

REDACTED

HAWT155680

Closed

finding-3631

REDACTED

Resolved

1 - Information

Compliance

Points & Fees

Reimbursement Amount Validation Test

Resolved-Fees within tolerance parameters, resolved - Due Diligence Vendor-REDACTED

Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. THE REDACTED FEES WERE MOVED FROM SECTION C TO B ON THE CLOSING DISCLOSURE. UNABLE TO VALIDATE IF THE REDACTED WAS A PROVIDER AS THE WRITTEN SETTLEMENT SERVICE PROVIDERS LIST WAS NOT FILLED IN WITH THE APPLICABLE INFORMATION AS IT WAS BLANK THIS CAUSES A REDACTED TOLERANCE VIOLATION. - Due Diligence Vendor-REDACTED

Open- - Due Diligence Vendor-REDACTED

Resolved-Fees within tolerance parameters, resolved - Due Diligence Vendor-REDACTED

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

N/A

REDACTED

HAWT155680

Closed

finding-3634

REDACTED

Resolved

1 - Information

Compliance

TRID

Charges That Cannot Increase Test

Resolved-Fees within tolerance parameters, resolved - Due Diligence Vendor-REDACTED

Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is REDACTED.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). THE LREDACTED FEES WERE MOVED FROM SECTION C TO B ON THE CLOSING DISCLSOURE. UNABLE TO VALIDATE IF THE REDACTED WAS A PROVIDER AS THE WRITTEN SETTLEMENT SERVICE PROVIDERS LIST WAS NOT FILLED IN WITH THE APPLICABLE INFORMATION AS IT WAS BLANK AND THE REDACTED USED WAS NOT LISTED ON THE AFFILIATED BUSINESS DISCLOSURE. THE REDACTED FEE WASE ROUNDED TO THE NEAREST DOLLAR AMOUNT AS ALLOWED ON THE LOAN ESTIMATE DISCLOSED IN THE AMOUNT OF REDACTED. THE REDACTED ON THE CLOSING DISCLOSURE WAS THEN DISCLOSED IN THE EXACT AMOUNT OF REDACTED. - Due Diligence Vendor-REDACTED

Open- - Due Diligence Vendor-REDACTED

Resolved-Fees within tolerance parameters, resolved - Due Diligence Vendor-REDACTED

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

N/A

REDACTED

HAWT155680

Closed

finding-3652

REDACTED

Resolved

1 - Information

Compliance

TRID

Lender Credits That Cannot Decrease Test

Resolved-Fees within tolerance parameters, resolved - Due Diligence Vendor-REDACTED

Open-This loan failed the lender credits that cannot decrease test. ( 12 CFR §1026.19(e)(3)(i) )The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits (REDACTED) does not exceed or equal the comparable sum of specific and non-specific lender credits (REDACTED). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). THE REDACTED FEE WAS ROUNDED TO THE NEAREST DOLLAR AMOUNT AS ALLOWED ON THE LOAN ESTIMATE DISCLOSED IN THE AMOUNT OF REDACTED THEREDACTED ON THE CLOSING DISCLOSURE WAS THEN DISCLOSED IN THE EXACT AMOUNT OF REDACTED. WHICH IS LESS THAN THE REDACTED MINIMUM TOLERANCE. - Due Diligence Vendor-REDACTED

Open- - Due Diligence Vendor-REDACTED

Resolved-Fees within tolerance parameters, resolved - Due Diligence Vendor-REDACTED

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

N/A

REDACTED

HAWT155680

Closed

FCRE6737

REDACTED

Resolved

1 - Information

Credit

Missing Doc

Missing Letter of Explanation (Income)

Resolved-Documentation of comments received - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. Screenshot from REDACTED "Comments" under Forms attached regarding co-borrower's current and previous employer. - Seller-REDACTED

Counter-Please provide a screenshot of REDACTED to document the loan file - Due Diligence Vendor-REDACTED

Ready for Review-In the Comments section of REDACTED there are notes from the loan originator that the REDACTED worked for the same company (REDACTED) from REDACTED to REDACTED. REDACTED left to be a REDACTED. - Seller-REDACTED

Open-Per the Final 1003 on page 127, the REDACTED last worked up to REDACTED until starting their current job on REDACTED . There is no Gap letter in the file. - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. Screenshot from REDACTED "Comments" under Forms attached regarding co-borrower's current and previous employer. - Seller-REDACTED

Resolved-Documentation of comments received - Due Diligence Vendor-REDACTED

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

N/A

REDACTED

HAWT155680

Closed

FCRE1159

REDACTED

Resolved

1 - Information

Credit

Insurance

Hazard Insurance Effective Date is after the Note Date

Resolved-Hazard Insurance Effective Date of REDACTED is prior to or equal to the Note Date of REDACTED Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-REDACTED

Resolved-HOI effective prior to note/disb received - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. Closing date/note date is REDACTED . Updated HOI attached. - Seller-REDACTED

Open-Hazard insurance effective date is REDACTED , which is after closing (REDACTED ) & disbursement dates (REDACTED ). Pg 113 - Due Diligence Vendor-REDACTED

Rescinded-Hazard Insurance Effective Date of REDACTED is after the Note Date of REDACTED - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. Closing date/note date is REDACTED . Updated HOI attached. - Seller-REDACTED

Resolved-Hazard Insurance Effective Date of REDACTED is prior to or equal to the Note Date of REDACTED Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-REDACTED

Resolved-HOI effective prior to note/disb received - Due Diligence Vendor-REDACTED

Rescinded-Hazard Insurance Effective Date of REDACTED is after the Note Date of REDACTED - Due Diligence Vendor-REDACTED

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

N/A

REDACTED

HAWT155680

Closed

FCRE1184

REDACTED

Resolved

1 - Information

Credit

Missing Doc

AUS Not Provided

Resolved-AUS is fully present - Due Diligence Vendor-REDACTED

Open-Missing AUS findings - The only document in file is the submission to REDACTED on page 147. - Due Diligence Vendor-REDACTED

Resolved-AUS is fully present - Due Diligence Vendor-REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

N/A

REDACTED

HAWT155680

Closed

FCRE1437

REDACTED

Waived

2 - Non-Material

Credit

Income/Employment

Income and Employment Do Not Meet Guidelines

Waived-Exception in the file to allow the borrowers income due to previously being a REDACTED and is now under contract as a REDACTED for a new company. PG 616 - Due Diligence Vendor-REDACTED

Credit score is more than REDACTED points over program minimum, same line of work/profession

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

Originator Pre-Close

Yes

REDACTED

HAWT154795

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Second Home

Purchase

REDACTED

HAWT158245

Closed

FCRE1193

REDACTED

Waived

2 - Non-Material

Credit

Eligibility

Audited DTI Exceeds Guideline DTI

Waived-The loan received an exception for DTI of REDACTED%, pg 371. - Due Diligence Vendor-REDACTED

Credit score more than REDACTED points above program minimum, excluding student loans DTI is REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

Originator Pre-Close

Yes

REDACTED

HAWT157375

Closed

FCRE1169

REDACTED

Resolved

1 - Information

Credit

Insurance

Flood Insurance Effective Date is after the Note Date

Resolved-Flood insurance dec page with correct dates and payment receipt prior to close/note date received. - Due Diligence Vendor-REDACTED

Resolved-Flood Insurance Effective Date of REDACTED is prior to or equal to the Note Date of REDACTED Or Flood Insurance Effective Date Is Not Provided - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. Uploaded flood insurance information. - Seller-REDACTED

Open-Flood Insurance Effective Date of REDACTED is after the Note Date of REDACTED There is no other evidence of Flood Insurance prior to REDACTED. Pg 968. Note date is REDACTED. - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. Uploaded flood insurance information. - Seller-REDACTED

Resolved-Flood insurance dec page with correct dates and payment receipt prior to close/note date received. - Due Diligence Vendor-REDACTED

Resolved-Flood Insurance Effective Date of REDACTED is prior to or equal to the Note Date of REDACTED Or Flood Insurance Effective Date Is Not Provided - Due Diligence Vendor-REDACTED

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

N/A

REDACTED

HAWT154405

Closed

FCRE1REDACTED0

REDACTED

Resolved

1 - Information

Credit

Assets

Asset 8 Expired

Resolved-Resolved - within REDACTED months - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. We follow REDACTED age of credit documents guidelines. REDACTED changed their guidelines from REDACTED determine expiration date. The REDACTED statement was acceptable through the closing date of REDACTED. - Seller-REDACTED

Open-Asset REDACTED statement dated REDACTED is REDACTED days from Note vs REDACTED days allowed by Guidelines - Due Diligence Vendor-REDACTED

Resolved-Resolved - within REDACTED months - Due Diligence Vendor-REDACTED

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

N/A

REDACTED

HAWT154405

Closed

FCOM4001

REDACTED

Resolved

1 - Information

Compliance

Disclosure

Missing Proof of Appraisal Delivery or Signed Appraisal Delivery Waiver

Resolved-System verification of appraisal delivery received – resolved.

- Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Open-Missing signed copy of Appraisal Delivery Waiver. page 317 - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Resolved-System verification of appraisal delivery received – resolved.

- Due Diligence Vendor-REDACTED

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

N/A

REDACTED

HAWT154405

Closed

FCRE3599

REDACTED

Waived

2 - Non-Material

Credit

Eligibility

Borrower owns more financed properties than allowed per guidelines

Waived-Exception on page 636 in file to allow an exception to number of financed properties. This loan is the REDACTED portfolio loan counting REDACTED properties. - Due Diligence Vendor-REDACTED

Credit score is REDACTED points or more above minimum score required.

- Current existing REDACTED with REDACTED will be closed due to sell of property when this property closes as new primary.

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

Originator Pre-Close

Yes

REDACTED

HAWT157045

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

REDACTED

HAWT154135

Closed

FPRO1253

REDACTED

Resolved

1 - Information

Property

Data

Secondary Valuation or Additional Valuation has not been entered per securitization requirements

Resolved-Post Close Review AVM received

- Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Open- - Due Diligence Vendor-REDACTED

Open-Secondary Valuation or Additional Valuation has not been entered per securitization requirements and CU Score, if present, is greater than 2.5 - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Resolved-Post Close Review AVM received

- Due Diligence Vendor-REDACTED

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

N/A

REDACTED

HAWT154135

Closed

FCRE1964

REDACTED

Resolved

1 - Information

Credit

Missing Doc

Missing income documentation

Resolved-Income verification received as per guidelines - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. See attached VOEs. - Seller-REDACTED

Open-REDACTED guidelines require REDACTED years of income verification, however, only REDACTED year of verification is in file for both borrowers. - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. See attached VOEs. - Seller-REDACTED

Resolved-Income verification received as per guidelines - Due Diligence Vendor-REDACTED

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

N/A

REDACTED

HAWT154135

Closed

FCOM5REDACTED4

REDACTED

Resolved

1 - Information

Compliance

Missing Doc

Missing Note

Resolved-Modification received - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Open-Missing note modification completed when loan was paid down to remove REDACTED as collateral for this loan - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Resolved-Modification received - Due Diligence Vendor-REDACTED

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

N/A

REDACTED

HAWT154135

Closed

FCOM4283

REDACTED

Resolved

1 - Information

Compliance

Missing Doc

Missing Deed of Trust

Resolved-Partial lien release of REDACTED received - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Open-Updated deed of trust that was re-recorded removing REDACTED from the collateral of this loan after the loan was paid down - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Resolved-Partial lien release of REDACTEDreceived - Due Diligence Vendor-REDACTED

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

N/A

REDACTED

HAWT154135

Closed

FVAL5524

REDACTED

Waived

2 - Non-Material

Property

Ineligible Property

Waived-Collateral exception received to allow cross-collateralization with REDACTED and this property. - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. Attached - Seller-REDACTED

Open-The exception in file does not state the cross-collateralization is being allowed. Exception form and compensating factors to address this portion of the allowed exception is required. - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. Attached - Seller-REDACTED

Waived-Collateral exception received to allow cross-collateralization with REDACTED and this property. - Due Diligence Vendor-REDACTED

Credit score is REDACTED points or more over program minimum, sale of home to be completed after closing on this new property, this loan to be paid down to REDACTED or lower after the sale of REDACTED (verification in file)

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

Originator Post-Close

Yes

REDACTED

HAWT154135

Closed

FCRE7247

REDACTED

Waived

2 - Non-Material

Credit

Missing Doc

Missing AUS Findings

Waived-Exception to allow DU Refer with Caution response - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. Attached - Seller-REDACTED

Open-Missing exception with compensating factors to allow Refer with Caution finding on AUS which is against program guidelines. - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. Attached - Seller-REDACTED

Waived-Exception to allow DU Refer with Caution response - Due Diligence Vendor-REDACTED

FICO REDACTED points or more over program minimum, DU response would not be RWC if primary residence had already sold - DTI

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

Originator Post-Close

Yes

REDACTED

HAWT154135

Closed

FCRE4963

REDACTED

Resolved

1 - Information

Credit

Debt

No evidence of required debt payoff

Resolved-Verification this loan was paid down to REDACTED or CLTV per exception in file received - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Open-Verification of pay down of this loan to REDACTED as per LTV exception is not in file - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Resolved-Verification this loan was paid down to REDACTED or CLTV per exception in file received - Due Diligence Vendor-REDACTED

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

N/A

REDACTED

HAWT154135

Closed

FCRE1157

REDACTED

Resolved

1 - Information

Credit

Missing Doc

Hazard Insurance Policy is Missing

Resolved-HOI and flood cert on REDACTED received - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. HOI on REDACTED is in this group of documents attached. - Seller-REDACTED

Open-Hazard insurance policy for REDACTED is not in file to verify both parcels of collateral are insured - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. HOI on REDACTED is in this group of documents attached. - Seller-REDACTED

Resolved-HOI and flood cert on REDACTED received - Due Diligence Vendor-REDACTED

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

N/A

REDACTED

HAWT154135

Closed

FPRO1242

REDACTED

Resolved

1 - Information

Property

Missing Doc

Appraisal is Missing

Resolved-Appraisal is Present or is Waived - Due Diligence Vendor-REDACTED

Open-1. REDACTED - The UCDP Submission Summary Report on page 329 indicates that there were 2 Appraisals completed with 2 different CU scores. However, there is only one Appraisal in the file.

2. REDACTED - this property was added as collateral to this loan with no valuation. - Due Diligence Vendor-REDACTED

Open- - Due Diligence Vendor-REDACTED

Resolved-Appraisal is Present or is Waived - Due Diligence Vendor-REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

N/A

REDACTED

HAWT154135

Closed

FCRE1254

REDACTED

Resolved

1 - Information

Credit

Title

Property Title Issue

Resolved-Property Title Issue Resolved - Due Diligence Vendor-REDACTED

Open-1. Verification that the lien was released from the property sold - REDACTED - is not in file.

2. Verification that this loan collateral is only on REDACTED post paydown is not in file - Due Diligence Vendor-REDACTED

Resolved-Property Title Issue Resolved - Due Diligence Vendor-REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

N/A

REDACTED

HAWT154135

Closed

FCRE1168

REDACTED

Resolved

1 - Information

Credit

Insurance

Inadequate Hazard Insurance Coverage - Hazard Insurance Coverage is less than all Subject Lien(s) and Replacement Cost Value Provided

Resolved-Hazard Insurance Coverage Amount of REDACTED is equal to or greater than all Subject Lien(s) and/or Replacement Cost Estimator is provided and Hazard Insurance Coverage Amount is equal to or greater than Replacement Cost Value of REDACTED - Due Diligence Vendor-REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

N/A

REDACTED

HAWT154135

Closed

FCRE8201

REDACTED

Acknowledged

2 - Non-Material

Credit

Eligibility

Loan does not conform to program guidelines

Acknowledged-Exception in file to allow - The MAX LTV for loans over REDACTED is REDACTED. This loan is REDACTED. The MAX DTI is REDACTED%. This loan is REDACTED%. ****There is additional collateral added to this loan. The borrowers property where they were residing in prior to the subject property was added as collateral due to a conflict with the timeframe of the sale and the closing of the subject property. The expectation was that once the borrowers were to sell the prior residence, that the LTV as well as the DTI will be within the guideline limits. Exception on page 768; email correspondence on page 766.****** - Due Diligence Vendor-REDACTED

Open-Exception in file to allow - The MAX LTV for loans over REDACTED is REDACTED. This loan is REDACTED%. The MAX DTI is REDACTED%. This loan is REDACTED%.

****There is additional collateral added to this loan. The borrowers property where they were residing in prior to the subject property was added as collateral due to a conflict with the timeframe of the sale and the closing of the subject property. The expectation was that once the borrowers were to sell the prior residence, that the LTV as well as the DTI will be within the guideline limits. Exception on page 768; email correspondence on page 766.****** - Due Diligence Vendor-REDACTED

Credit score is more than REDACTED points or more over program minimum, verification of paying this loan down to REDACTED CLTV once original home is sold

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

Originator Pre-Close

Yes

REDACTED

HAWT157915

Closed

FPRO1253

REDACTED

Resolved

1 - Information

Property

Data

Secondary Valuation or Additional Valuation has not been entered per securitization requirements

Resolved-Post Close Review AVM received

- Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Open-Secondary Valuation or Additional Valuation has not been entered per securitization requirements and CU Score, if present, is greater than 2.5 - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Resolved-Post Close Review AVM received

- Due Diligence Vendor-REDACTED

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

N/A

REDACTED

HAWT157915

Closed

FCRE1437

REDACTED

Waived

2 - Non-Material

Credit

Income/Employment

Income and Employment Do Not Meet Guidelines

Waived-Income and Employment Do Not Meet Guidelines REDACTED year of variable income used to qualify borrower against guidelines requirement of REDACTED years, however, lender approved exception. page 480 - Due Diligence Vendor-REDACTED

Adequate net worth or adjusted liquid assets to cover total debt servicing for REDACTED months

- Significant increase in earnings expected (Significant = REDACTED or more current increase)

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

Originator Pre-Close

Yes

REDACTED

HAWT156295

Closed

FPRO1253

REDACTED

Resolved

1 - Information

Property

Data

Secondary Valuation or Additional Valuation has not been entered per securitization requirements

Resolved-Post Close Review AVM received

- Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Open-Secondary Valuation or Additional Valuation has not been entered per securitization requirements and CU Score, if present, is greater than 2.5 -- LCA & CU are REDACTED. Third party valuation report required. - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Resolved-Post Close Review AVM received

- Due Diligence Vendor-REDACTED

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

N/A

REDACTED

HAWT156295

Closed

FCOM1122

REDACTED

Resolved

1 - Information

Compliance

TRID

Missing Initial CD

Resolved-Initial CD received - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Open-Initial CD must be submitted MISSING INITIAL CD - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Resolved-Initial CD received - Due Diligence Vendor-REDACTED

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

N/A

REDACTED

HAWT156295

Closed

FCRE1437

REDACTED

Waived

2 - Non-Material

Credit

Income/Employment

Income and Employment Do Not Meet Guidelines

Waived-Income and Employment Do Not Meet Guidelines Borrower left previous REDACTED where REDACTED was a REDACTED employee for over REDACTED years and current position is with REDACTED since REDACTED as a REDACTED earner, however, lender averaged income over REDACTED as REDACTED is considered newly self-employed. The loan file contains guideline exception approval allowing to process the transaction based on the following compensating factor. page 278 - Due Diligence Vendor-REDACTED

Borrower is REDACTED employee since REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

Originator Pre-Close

Yes

REDACTED

HAWT155635

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Second Home

Purchase

REDACTED

HAWT156100

Closed

FCOM4227

REDACTED

Resolved

1 - Information

Compliance

Missing Doc

TRID: Missing Closing Disclosure

Resolved-Document Received - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Open-MISSING PAGE 2 OF 5 FROM THE FINAL CD DATED REDACTED - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Resolved-Document Received - Due Diligence Vendor-REDACTED

REDACTED

QM: Rebuttable Presumption DTI (DTI RP)

REDACTED

Primary Residence

Purchase

N/A

REDACTED

HAWT157105

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

REDACTED

HAWT157930

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

REDACTED

HAWT157135

Closed

FCRE1167

REDACTED

Resolved

1 - Information

Credit

Insurance

Inadequate Hazard Insurance Coverage - Hazard Insurance Coverage is less than all Subject Lien(s)and Replacement Cost Estimator by Insurer was not Provided

Resolved-RCE from REDACTED received - resolved - Due Diligence Vendor-REDACTED

Resolved-Sufficent Hazard Insurance Coverage is provided or Guaranteed Replacement Coverage is present and Insurer has provided Replacement Cost Estimator - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Open-Inadequate Hazard Insurance Coverage - Hazard Insurance Coverage of $REDACTED is less than all Subject Lien(s), and Guaranteed Replacement Coverage is provided but Replacement Cost Estimator by Insurer was not Provided - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Resolved-RCE from REDACTED received - resolved - Due Diligence Vendor-REDACTED

Resolved-Sufficent Hazard Insurance Coverage is provided or Guaranteed Replacement Coverage is present and Insurer has provided Replacement Cost Estimator - Due Diligence Vendor-REDACTED

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

N/A

REDACTED

HAWT154375

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

REDACTED

HAWT157525

Closed

FCRE1168

REDACTED

Resolved

1 - Information

Credit

Insurance

Inadequate Hazard Insurance Coverage - Hazard Insurance Coverage is less than all Subject Lien(s) and Replacement Cost Value Provided

Resolved-Sufficient hazard coverage verification received - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. See HOI coverage explanation from REDACTED REDACTED . - Seller-REDACTED

Open-Inadequate Hazard Insurance Coverage - Hazard Insurance Coverage Amount of REDACTED is less than all Subject Lien(s) and/or Replacement Cost Estimator is provided but Hazard Insurance Coverage Amount is less than Replacement Cost Value of REDACTED Replacement Cost Value of REDACTED is higher than Dwelling coverage amount REDACTED . page 176,177 - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. See HOI coverage explanation from REDACTED Closing Manager. - Seller-REDACTED

Resolved-Sufficient hazard coverage verification received - Due Diligence Vendor-REDACTED

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

N/A

REDACTED

HAWT157525

Closed

FCRE1437

REDACTED

Waived

2 - Non-Material

Credit

Income/Employment

Income and Employment Do Not Meet Guidelines

Waived-Income and Employment Do Not Meet Guidelines Borrower 1 switched from REDACTED income as an REDACTED to REDACTED income (REDACTED ) in Sep REDACTED . Lender used the REDACTED income which is less than REDACTED years required by REDACTED guidelines as part of income qualifying the borrower and provided Guidelines exception approval allowing to process the loan based on the following compensating factors. page 855 - Due Diligence Vendor-REDACTED

Average aggregate deposit in a REDACTED is equal to or greater than REDACTED of our loan amount but never less than REDACTED even when the loan amount is under REDACTED

- Adequate net worth or adjusted liquid assets to cover total debt servicing for REDACTED months

- Credit score is REDACTED points or more above minimum required

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

Originator Pre-Close

Yes

REDACTED

HAWT154630

Closed

FCOM4001

REDACTED

Resolved

1 - Information

Compliance

Disclosure

Missing Proof of Appraisal Delivery or Signed Appraisal Delivery Waiver

Resolved-Borrower received copy of the appraisal or signed the delivery waiver disclosure. - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Open-Missing Signed Appraisal Delivery Waiver or Proof of Appraisal Delivery. page 294 - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Resolved-Borrower received copy of the appraisal or signed the delivery waiver disclosure. - Due Diligence Vendor-REDACTED

REDACTED

QM: Rebuttable Presumption DTI (DTI RP)

REDACTED

Primary Residence

Purchase

N/A

REDACTED

HAWT157285

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

REDACTED

HAWT155710

Closed

FCOM1274

REDACTED

Resolved

1 - Information

Compliance

Missing Doc

Escrow Waiver is Missing

Resolved-Escrow waiver received - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Open-Escrow Waiver is Missing The escrow waiver affidavit is evidenced on disclosure tracking, however, a copy of the signed escrow waiver affidavit is not in the loan file. - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Resolved-Escrow waiver received - Due Diligence Vendor-REDACTED

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

N/A

REDACTED

HAWT154870

Closed

FCRE1437

REDACTED

Waived

2 - Non-Material

Credit

Income/Employment

Income and Employment Do Not Meet Guidelines

Waived-Income and Employment Do Not Meet Guidelines Exception in file to allow prior REDACTED to be averaged for income vs. new employment as a REDACTED in same line of work/profession. Page 241 - Due Diligence Vendor-REDACTED

Credit score is REDACTED points or more above minimum score required, Same line of work for REDACTED years.

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

Originator Pre-Close

Yes

REDACTED

HAWT157555

Closed

FPRO1253

REDACTED

Resolved

1 - Information

Property

Data

Secondary Valuation or Additional Valuation has not been entered per securitization requirements

Resolved-Secondary valuation received within 10% of primary value. - Due Diligence Vendor-REDACTED

Ready for Review-It is our understanding that a confidence score of 80 or higher is acceptable. - Seller-REDACTED

Counter-Post Close Review Valuation AVM received, however, confidence score is less than 90. - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Open- - Due Diligence Vendor-REDACTED

Ready for Review-It is our understanding that a confidence score of 80 or higher is acceptable. - Seller-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Resolved-Secondary valuation received within 10% of primary value. - Due Diligence Vendor-REDACTED

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

N/A

REDACTED

HAWT156265

Closed

FPRO1253

REDACTED

Resolved

1 - Information

Property

Data

Secondary Valuation or Additional Valuation has not been entered per securitization requirements

Resolved-Post Close Review AVM received

- Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Open-Secondary Valuation or Additional Valuation has not been entered per securitization requirements and CU Score, if present, is greater than 2.5 - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Resolved-Post Close Review AVM received

- Due Diligence Vendor-REDACTED

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Second Home

Purchase

N/A

REDACTED

HAWT156265

Closed

FVAL5474

REDACTED

Waived

2 - Non-Material

Property

Condo project is ineligible

Waived-Credit exception to allow non-warrantable condo as collateral - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. Credit exception form attached. - Seller-REDACTED

Open-Non-warrantable condo - exception referenced on 1008. Exception document & compensating factors not located in file. - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. Credit exception form attached. - Seller-REDACTED

Waived-Credit exception to allow non-warrantable condo as collateral - Due Diligence Vendor-REDACTED

FICO REDACTED, REDACTED% DTI, relationship

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Second Home

Purchase

Originator Pre-Close

Yes

REDACTED

HAWT156265

Closed

FCRE1254

REDACTED

Resolved

1 - Information

Credit

Title

Property Title Issue

Resolved-Property Title Issue Resolved - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Open-Title insurance coverage showing lender as named insured and coverage amount is not located on preliminary title. pg 2435 - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Resolved-Property Title Issue Resolved - Due Diligence Vendor-REDACTED

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Second Home

Purchase

N/A

REDACTED

HAWT157675

Closed

FCRE1437

REDACTED

Resolved

1 - Information

Credit

Income/Employment

Income and Employment Do Not Meet Guidelines

Resolved-Confirmation of job offer acceptance received - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. Employer's confirmation of job offer acceptance attached. - Seller-REDACTED

Open-Income and Employment Do Not Meet Guidelines Missing borrower's employment contract fully executed by all parties and include all required information per REDACTED Guidelines. Document in file is an unsigned email. Email/letter is subject to boards and licensing which is not allowed. page 206 - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. Employer's confirmation of job offer acceptance attached. - Seller-REDACTED

Resolved-Confirmation of job offer acceptance received - Due Diligence Vendor-REDACTED

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

N/A

REDACTED

HAWT157675

Closed

FCOM4001

REDACTED

Resolved

1 - Information

Compliance

Disclosure

Missing Proof of Appraisal Delivery or Signed Appraisal Delivery Waiver

Resolved-System verification of appraisal delivery received – resolved.

- Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Open- - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Resolved-System verification of appraisal delivery received – resolved.

- Due Diligence Vendor-REDACTED

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

N/A

REDACTED

HAWT156310

Closed

FPRO1253

REDACTED

Resolved

1 - Information

Property

Data

Secondary Valuation or Additional Valuation has not been entered per securitization requirements

Resolved-Post close AVM within 10% of primary valuation received - Due Diligence Vendor-REDACTED

Ready for Review-It is our understanding that a confidence score of REDACTED or higher is acceptable. - Seller-REDACTED

Counter-Post Close Review Valuation AVM received, however, confidence score is less than REDACTED. Acceptable secondary value needed.

- Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Open-Secondary Valuation or Additional Valuation has not been entered per securitization requirements and CU Score, if present, is greater than 2.5 - Due Diligence Vendor-REDACTED

Open-Secondary Valuation or Additional Valuation has not been entered per securitization requirements and CU Score, if present, is greater than 2.5. LCA & CU in file both over 2.5. - Due Diligence Vendor-REDACTED

Ready for Review-It is our understanding that a confidence score of REDACTED or higher is acceptable. - Seller-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Resolved-Post close AVM within 10% of primary valuation received - Due Diligence Vendor-REDACTED

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

N/A

REDACTED

HAWT155740

Closed

FCOM1274

REDACTED

Resolved

1 - Information

Compliance

Missing Doc

Escrow Waiver is Missing

Resolved-Escrow waiver received - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Open-Escrow Waiver is Missing THERE WAS NO EVIDENCE OF THE ESCROW WAIVER IN THE LOAN FILE. - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Resolved-Escrow waiver received - Due Diligence Vendor-REDACTED

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

N/A

REDACTED

HAWT157390

Closed

FCRE1193

REDACTED

Waived

2 - Non-Material

Credit

Eligibility

Audited DTI Exceeds Guideline DTI

Waived-Exception in file - pg 581 - to allow DTI over REDACTED% guideline max - Due Diligence Vendor-REDACTED

FICO REDACTED points or more above minimum program requirement, current primary converting to investment, solid net worth

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

Originator Pre-Close

Yes

REDACTED

HAWT155200

Closed

FPRO1253

REDACTED

Resolved

1 - Information

Property

Data

Secondary Valuation or Additional Valuation has not been entered per securitization requirements

Resolved-Post Close Review AVM received

- Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Open-Secondary Valuation or Additional Valuation has not been entered per securitization requirements and CU Score, if present, is greater than 2.5 - Due Diligence Vendor-REDACTED

Open- - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Resolved-Post Close Review AVM received

- Due Diligence Vendor-REDACTED

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

N/A

REDACTED

HAWT155200

Closed

FCRE5116

REDACTED

Resolved

1 - Information

Credit

Missing Doc

Missing VOM or VOR

Resolved-Resolved per lender explanation - Due Diligence Vendor-REDACTED

Ready for Review-Borrower 2 was still a REDACTED at application and rental history is exempt for residents in the REDACTED. - Seller-REDACTED

Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. Missing 12-month VOR for Borrower 2 (REDACTED). Only Borrower 1's VOR (REDACTED) is in the file. page 342,158,165 - Due Diligence Vendor-REDACTED

Ready for Review-Borrower 2 was still a REDACTED at application and rental history is exempt for residents in the REDACTED. - Seller-REDACTED

Resolved-Resolved per lender explanation - Due Diligence Vendor-REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

N/A

REDACTED

HAWT155200

Closed

123ABCF

REDACTED

Waived

2 - Non-Material

Credit

Income/Employment

FICO does not meet minimum program requirement

Waived-The borrower's FICO score of REDACTED is below the REDACTED guideline limit of REDACTED; however, the lender approved an exception - page 591. - Due Diligence Vendor-REDACTED

Significant increase in earnings expected - Borrower's income will increase more than REDACTED% of current income - currently a REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

Originator Pre-Close

Yes

REDACTED

HAWT155200

Closed

FCRE8201

REDACTED

Waived

2 - Non-Material

Credit

Eligibility

Loan does not conform to program guidelines

Waived-Per Guidelines, an 'AUS Recommendation - Refer with Caution' is generally not permitted; however, the lender authorized an exception. page 591 - Due Diligence Vendor-REDACTED

Significant increase in earnings expected - Borrower's income will increase more than REDACTED% of current income - currently a REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

Originator Pre-Close

Yes

REDACTED

HAWT155035

Closed

FPRO1253

REDACTED

Resolved

1 - Information

Property

Data

Secondary Valuation or Additional Valuation has not been entered per securitization requirements

Resolved-Post Close Review AVM received

- Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Open-Secondary Valuation or Additional Valuation has not been entered per securitization requirements and CU Score, if present, is greater than 2.5 - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Resolved-Post Close Review AVM received

- Due Diligence Vendor-REDACTED

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

N/A

REDACTED

HAWT155035

Closed

FCOM1270

REDACTED

Resolved

1 - Information

Compliance

Disclosure

ARM Disclosure Not Provided Within 3 Days of Application Date

Resolved-Verified disclosure provided - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. App date: REDACTED. Disclosures issued REDACTED. See attached Disclosure Tracking. This is within 3 business days. - Seller-REDACTED

Open-ARM Disclosure Not Provided Within 3 Days of Application Date THE ARM DISCLOSURE WAS NOT PROVIDED WITHIN 3 DAYS OF APPLICATION DATE OF REDACTED. - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. App date: REDACTED. Disclosures issued REDACTED. See attached Disclosure Tracking. This is within 3 business days. - Seller-REDACTED

Resolved-Verified disclosure provided - Due Diligence Vendor-REDACTED

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

N/A

REDACTED

HAWT155005

Closed

FCRE9387

REDACTED

Waived

2 - Non-Material

Credit

Eligibility

Loan amount exceeds maximum allowed per program guidelines

Waived-Loan amount - REDACTED - exceeds program limit of REDACTED for REDACTED LTV, however, lender approved exception based on the following compensating factor. page 237 - Due Diligence Vendor-REDACTED

- Credit score is REDACTED points or more above minimum required

- Borrower/lender strong relationship, past lending history

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

Originator Pre-Close

Yes

REDACTED

HAWT155605

Closed

FPRO1253

REDACTED

Resolved

1 - Information

Property

Data

Secondary Valuation or Additional Valuation has not been entered per securitization requirements

Resolved-Post close desk review received - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Counter- - Due Diligence Vendor-REDACTED

Open- - Due Diligence Vendor-REDACTED

Resolved-Secondary Valuation or Additional Valuation is present or Not Required (CU Score is '') - Due Diligence Vendor-REDACTED

Open- - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Resolved-Post close desk review received - Due Diligence Vendor-REDACTED

Resolved-Secondary Valuation or Additional Valuation is present or Not Required (CU Score is '') - Due Diligence Vendor-REDACTED

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

N/A

REDACTED

HAWT155605

Closed

FCRE1168

REDACTED

Resolved

1 - Information

Credit

Insurance

Inadequate Hazard Insurance Coverage - Hazard Insurance Coverage is less than all Subject Lien(s) and Replacement Cost Value Provided

Resolved-RCE within policy period which covers origination date received. Sufficient coverage verified. - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. Attached is the current replacement cost estimator. With the additional REDACTED, their coverage isREDACTED

- Seller-REDACTED

Open-Inadequate Hazard Insurance Coverage - Hazard Insurance Coverage Amount of REDACTED is less than all Subject Lien(s) and/or Replacement Cost Estimator is provided but Hazard Insurance Coverage Amount is less than Replacement Cost Value of REDACTED HOI coverage is REDACTED. Estimated cost to replace is REDACTED. Hazard coverage is not sufficient. pg 119 - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. Attached is the current replacement cost estimator. With the additional REDACTED, their coverage is REDACTED

- Seller-REDACTED

Resolved-RCE within policy period which covers origination date received. Sufficient coverage verified. - Due Diligence Vendor-REDACTED

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

N/A

REDACTED

HAWT154540

Closed

FPRO1253

REDACTED

Resolved

1 - Information

Property

Data

Secondary Valuation or Additional Valuation has not been entered per securitization requirements

Resolved-Post close desk review received - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Counter-Unable to use AVM submitted as a post-close secondary value. Valuation is more than 10% variance from primary valuation.

- Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Open- - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Resolved-Post close desk review received - Due Diligence Vendor-REDACTED

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

N/A

REDACTED

HAWT154540

Closed

FCRE9942

REDACTED

Resolved

1 - Information

Credit

Missing Doc

Missing Income - Business Tax Returns

Resolved-Resolved per lender response - Due Diligence Vendor-REDACTED

Ready for Review-Underwriter confirmed those figures came from REDACTED of the REDACTED which showed borrower’s share of REDACTED. REDACTED took that and worked backwards at the REDACTED ownership which would have put the full figure at REDACTED. Same calculation for REDACTED. We did not have the business returns since their percentage of ownership was less than REDACTED. - Seller-REDACTED

Open-Missing Business tax return schedules for Year REDACTED & REDACTED verifying REDACTED for Borrower's business - REDACTED per income worksheet in file. page 39 - Due Diligence Vendor-REDACTED

Resolved-Resolved per lender response - Due Diligence Vendor-REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

N/A

REDACTED

HAWT154540

Closed

FCOM4227

REDACTED

Resolved

1 - Information

Compliance

Missing Doc

TRID: Missing Closing Disclosure

Resolved-Initial CD received - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Open-THERE WAS NO EVIDENCE OF THE INITIAL CLOSING DISCLOSURE IN THE LOAN FILE. THE DISCLSOURE TRACKER ON PAGE 464 REFLECTS THAT THE INITIAL CLOSING DISCLOSURE WAS ISSUED ON REDACTED. THE FINAL DISCLOSURE IS ON PAGE 279 & 288 ISSUED ONREDACTED SIGNED BY THE BORROWERS ON REDACTED. - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Resolved-Initial CD received - Due Diligence Vendor-REDACTED

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

N/A

REDACTED

HAWT154540

Closed

FCRE5116

REDACTED

Waived

2 - Non-Material

Credit

Missing Doc

Missing VOM or VOR

Waived-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. Exception in file REDACTED to waive VOMs for borrower's REDACTED properties located in REDACTED. - Due Diligence Vendor-REDACTED

- Credit score is REDACTED points or more above minimum score required.

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

Originator Pre-Close

Yes

REDACTED

HAWT154540

Closed

FCRE9387

REDACTED

Waived

2 - Non-Material

Credit

Eligibility

Loan amount exceeds maximum allowed per program guidelines

Waived-Exception in file REDACTED to allow loan amount of REDACTED at REDACTED LTV which exceeds guideline limit of REDACTED at REDACTED LTV. - Due Diligence Vendor-REDACTED

- Credit score is REDACTED points or above minimum score required.

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

Originator Pre-Close

Yes

REDACTED

HAWT155935

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Second Home

Purchase

REDACTED

HAWT157255

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

REDACTED

HAWT153820

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

REDACTED

HAWT153865

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

REDACTED

HAWT157120

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

REDACTED

HAWT154780

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

REDACTED

HAWT156085

Closed

FCRE2371

REDACTED

Resolved

1 - Information

Credit

Missing Doc

Missing final HUD-1 from sale of non-subject property

Resolved-Final CD from property sold received - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Open-Missing final signed Closing Disclosure/settlement statement for departing residence sold - REDACTED - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Resolved-Final CD from property sold received - Due Diligence Vendor-REDACTED

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

N/A

REDACTED

HAWT155560

Closed

FPRO1253

REDACTED

Resolved

1 - Information

Property

Data

Secondary Valuation or Additional Valuation has not been entered per securitization requirements

Resolved-Post Close Review AVM received

- Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Open-Secondary Valuation or Additional Valuation has not been entered per securitization requirements and CU Score, if present, is greater than 2.5 - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Resolved-Post Close Review AVM received

- Due Diligence Vendor-REDACTED

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Second Home

Purchase

N/A

REDACTED

HAWT155560

Closed

FCOM4001

REDACTED

Resolved

1 - Information

Compliance

Disclosure

Missing Proof of Appraisal Delivery or Signed Appraisal Delivery Waiver

Resolved-Borrower received copy of the appraisal or signed the delivery waiver disclosure. - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Open- - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Resolved-Borrower received copy of the appraisal or signed the delivery waiver disclosure. - Due Diligence Vendor-REDACTED

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Second Home

Purchase

N/A

REDACTED

HAWT155560

Closed

FCRE9387

REDACTED

Waived

2 - Non-Material

Credit

Eligibility

Loan amount exceeds maximum allowed per program guidelines

Waived-Exception in file to allow loan amount over guideline max at REDACTED% CLTV. The loan amount of REDACTED exceeds the REDACTED maximum for second homes at REDACTED CLTV per REDACTED guidelines - page 891 - Due Diligence Vendor-REDACTED

Adequate net worth or adjusted liquid assets to cover total debt servicing for REDACTED months

- Credit score is REDACTED points or more above minimum score required

QM: Safe Harbor APOR (APOR SH)

REDACTED

Second Home

Purchase

Originator Pre-Close

Yes

REDACTED

HAWT154435

Closed

FCRE1440

REDACTED

Resolved

1 - Information

Credit

Eligibility

Housing History Does Not Meet Guideline Requirements

Resolved-Documented in file borrower was in residency, VOR during that time not required per guidelines. - Due Diligence Vendor-REDACTED

Ready for Review-We did not obtain a VOR during the time period borrower was out of residency - Seller-REDACTED

Open-Housing History Does Not Meet Guideline Requirements Loan does not meet REDACTED months housing history required. Lender provided REDACTED months evidence of rent payments for REDACTED only. page 507,513 - Due Diligence Vendor-REDACTED

Ready for Review-We did not obtain a VOR during the time period borrower was out of residency - Seller-REDACTED

Resolved-Documented in file borrower was in residency, VOR during that time not required per guidelines. - Due Diligence Vendor-REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

N/A

REDACTED

HAWT154435

Closed

FCRE1317

REDACTED

Waived

2 - Non-Material

Credit

Income/Employment

Borrower 1 Total Years Employment Verified is Less Than 24 Months

Waived-Borrower 1 Total Years Employment Verified is Less Than REDACTED Months Borrower is a Self employed REDACTED with Business name - REDACTED established on REDACTED but less than REDACTED years required by REDACTEDfor Self employed borrowers, however, lender provided Guidelines exception approval allowing to process the loan based on the following compensating factors. page 639,247,236 - Due Diligence Vendor-REDACTED

LTV is less than or equal to REDACTED

- Credit score is REDACTED points or more above minimum score required.

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

Originator Pre-Close

Yes

REDACTED

HAWT155665

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

REDACTED

HAWT155785

Closed

FCOM8227

REDACTED

Resolved

1 - Information

Compliance

Missing Doc

TRID: Missing Loan Estimate

Resolved-Initial Loan Estimate is not Missing. - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Open-Initial Loan Estimate is Missing. INITIAL LOAN ESTIMATE IS MISSING IN THE FILE - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Resolved-Initial Loan Estimate is not Missing. - Due Diligence Vendor-REDACTED

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Refinance

No Cash Out - Borrower Initiated

N/A

REDACTED

HAWT155785

Closed

FCRE0360

REDACTED

Waived

2 - Non-Material

Credit

Borrower

Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete

Waived-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete. Exception in file (pg 489) to allow VOM older than REDACTED (property REDACTED) - Due Diligence Vendor-REDACTED

Refi of existing originator first mortgage, average deposits greater than REDACTED of loan amount/ deposit relationship, no housing lates

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Refinance

No Cash Out - Borrower Initiated

Originator Pre-Close

Yes

REDACTED

HAWT155785

Closed

123ABCF

REDACTED

Waived

2 - Non-Material

Credit

Income/Employment

FICO does not meet minimum program requirement

Waived-Exception in file (pg 489) - The borrowers credit score of REDACTED is below the guideline minimum of REDACTED. - Due Diligence Vendor-REDACTED

Refi of existing originator first mortgage, average deposits greater than REDACTED of loan amount/ deposit relationship, no housing lates

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Refinance

No Cash Out - Borrower Initiated

Originator Pre-Close

Yes

REDACTED

HAWT157885

Closed

FCRE1437

REDACTED

Waived

2 - Non-Material

Credit

Income/Employment

Income and Employment Do Not Meet Guidelines

Waived-Income and Employment Do Not Meet Guidelines Exception allowing employment & income for borrower who has just transitioned from residency into a new REDACTED role as an REDACTED with REDACTED. page 468 - Due Diligence Vendor-REDACTED

Credit score is REDACTED points or more above minimum score required

- Significant increase in earnings expected (Per the offer the lowest hourly pay across locations is REDACTED with a minimum required REDACTED hrs worked monthly.) Borrower has just completed residency.

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

Originator Pre-Close

Yes

REDACTED

HAWT154345

Closed

FCRE5116

REDACTED

Resolved

1 - Information

Credit

Missing Doc

Missing VOM or VOR

Resolved-Resolved per lender guidelines for resident physicians - Due Diligence Vendor-REDACTED

Ready for Review-REDACTED allow VOR exemption for resident physicians. - Seller-REDACTED

Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. - Due Diligence Vendor-REDACTED

Ready for Review-REDACTED allow VOR exemption for resident physicians. - Seller-REDACTED

Resolved-Resolved per lender guidelines for resident physicians - Due Diligence Vendor-REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

N/A

REDACTED

HAWT154345

Closed

FCRE1193

REDACTED

Waived

2 - Non-Material

Credit

Eligibility

Audited DTI Exceeds Guideline DTI

Waived-Exception in file approving DTI over REDACTED% at REDACTED% for REDACTED payments - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. Credit exception form attached. - Seller-REDACTED

Open-DTI of REDACTED%. 1008 references exception, however, exception form not located in file. - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. Credit exception form attached. - Seller-REDACTED

Waived-Exception in file approving DTI over REDACTED% at REDACTED% for REDACTED payments - Due Diligence Vendor-REDACTED

FICO more than REDACTED points above program minimum, DTI under REDACTED% using REDACTED for REDACTED payments

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

Originator Pre-Close

Yes

REDACTED

HAWT155650

Closed

FCOM7001

REDACTED

Resolved

1 - Information

Compliance

TRID

Missing Post Consummation Closing Disclosure

Resolved-PCCD received - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Open-THERE WAS NO EVIDENCE OF THE POST CONSUMPTION CLOSING DISCLOSURE IN THE LOAN FILE. PER THE DISCLOSURE TRACKER ON PAGE:20 THE POST CONSUMPTION CLOSING DISCLOSURE WAS ISSUED ON REDACTED AND RECEIVED ON REDACTED. - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Resolved-PCCD received - Due Diligence Vendor-REDACTED

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Second Home

Purchase

N/A

REDACTED

HAWT155335

Closed

FCRE8201

REDACTED

Resolved

1 - Information

Credit

Eligibility

Loan does not conform to program guidelines

Resolved-Lender explanation received to clarify 1008 comments. - Due Diligence Vendor-REDACTED

Ready for Review-There was no exception needed for this transaction. REDACTED loan program standards allowed the REDACTED to be included in this limited cash-out refinance. - Seller-REDACTED

Open-1008 states document to REDACTED for loan structure and purpose. There is no exception in file, emails are not in file. - Due Diligence Vendor-REDACTED

Ready for Review-There was no exception needed for this transaction. REDACTED loan program standards allowed the REDACTED to be included in this limited cash-out refinance. - Seller-REDACTED

Resolved-Lender explanation received to clarify 1008 comments. - Due Diligence Vendor-REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Refinance

No Cash Out - Borrower Initiated

N/A

REDACTED

HAWT155335

Closed

FCRE1336

REDACTED

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 Award Letter Missing

Resolved-REDACTED for REDACTED income in file. - Due Diligence Vendor-REDACTED

Ready for Review-REDACTED allow REDACTED to be used to document REDACTED income (see Section REDACTED). REDACTED feedback also allows the REDACTED as acceptable documentation for pension income. - Seller-REDACTED

Open-Borrower 1 Award Letter Missing There is no Award letter for the borrowers REDACTED. There is also no evidence of receipt. - Due Diligence Vendor-REDACTED

Resolved-REDACTED for REDACTED income in file. - Due Diligence Vendor-REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Refinance

No Cash Out - Borrower Initiated

N/A

REDACTED

HAWT154360

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

REDACTED

HAWT156040

Closed

FCRE1181

REDACTED

Resolved

1 - Information

Compliance

Disclosure

Subject loan is in Flood Zone and Notice of Special Flood Hazard Disclosure Not Completed

Resolved-Flood Hazard received - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. Flood Hazard Notice attached. - Seller-REDACTED

Open-Subject Property is in Flood Zone AE but Notice of Special Flood Hazard Disclosure was not provided - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. Flood Hazard Notice attached. - Seller-REDACTED

Resolved-Flood Hazard received - Due Diligence Vendor-REDACTED

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

N/A

REDACTED

HAWT154390

Closed

FCRE5116

REDACTED

Resolved

1 - Information

Credit

Missing Doc

Missing VOM or VOR

Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing - Due Diligence Vendor-REDACTED

Ready for Review-The loan was underwritten to REDACTED so a VOR was not required - Seller-REDACTED

Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. There is no verification of Rent in the file. - Due Diligence Vendor-REDACTED

Ready for Review-The loan was underwritten to REDACTED so a VOR was not required - Seller-REDACTED

Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing - Due Diligence Vendor-REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

N/A

REDACTED

HAWT154390

Closed

FCRE8611

REDACTED

Resolved

1 - Information

Credit

Income/Employment

Income/Employment General

Resolved-Award letter received - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. Underwriter used the attach in lieu of the REDACTED. - Seller-REDACTED

Open-REDACTED - pg 334 - is not executed - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. Underwriter used the attach in lieu of the REDACTED. - Seller-REDACTED

Resolved-REDACTED received - Due Diligence Vendor-REDACTED

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

N/A

REDACTED

HAWT157900

REDACTED

QM: Rebuttable Presumption DTI (DTI RP)

REDACTED

Primary Residence

Purchase

REDACTED

HAWT156445

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

REDACTED

HAWT154825

Closed

FPRO1253

REDACTED

Resolved

1 - Information

Property

Data

Secondary Valuation or Additional Valuation has not been entered per securitization requirements

Resolved-Post Close Review Desktop Appraisal received

- Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Counter-Loan is on REDACTED - house and land. 1004 combines both parcels into one value. AVMs do not accurately represent the secondary value with two values and one value being on land only. - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Counter-The loan amount is REDACTED, the appraisal in the file is REDACTED, and the AVM is REDACTED. This is more than 10% off and will need a different secondary valuation product. - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Open-Secondary Valuation or Additional Valuation has not been entered per securitization requirements and CU Score, if present, is greater than 2.5 CU score is REDACTED and FHLMC is REDACTED. Third party valuation required.page 101,103 - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Resolved-Post Close Review Desktop Appraisal received

- Due Diligence Vendor-REDACTED

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Refinance

No Cash Out - Borrower Initiated

N/A

REDACTED

HAWT153895

Closed

FPRO1253

REDACTED

Resolved

1 - Information

Property

Data

Secondary Valuation or Additional Valuation has not been entered per securitization requirements

Resolved-AVM within REDACTED received - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Open-Secondary Valuation or Additional Valuation has not been entered per securitization requirements and CU Score, if present, is greater than 2.5 No secondary appraisal - no eligible CU or LCA - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Resolved-AVM within REDACTED received - Due Diligence Vendor-REDACTED

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

N/A

REDACTED

HAWT154450

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

REDACTED

HAWT156925

Closed

FCOM1271

REDACTED

Resolved

1 - Information

Compliance

Missing Doc

CHARM Booklet is Missing

Resolved-CHARM Booklet with loan number and date provided within 3 days of application received - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Open-CHARM Booklet is Missing CHARM BOOKLET IS MISSING - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Resolved-CHARM Booklet with loan number and date provided within 3 days of application received - Due Diligence Vendor-REDACTED

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

N/A

REDACTED

HAWT154120

Closed

FPRO1253

REDACTED

Resolved

1 - Information

Property

Data

Secondary Valuation or Additional Valuation has not been entered per securitization requirements

Resolved-Post Close AVM received - accepted - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Open-Secondary Valuation or Additional Valuation has not been entered per securitization requirements and CU Score, if present, is greater than 2.5 - Due Diligence Vendor-REDACTED

Open-Secondary valuation required. CU REDACTED - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Resolved-Post Close AVM received - accepted - Due Diligence Vendor-REDACTED

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

N/A

REDACTED

HAWT154120

Closed

FCOM1273

REDACTED

Resolved

1 - Information

Compliance

Disclosure

CHARM Booklet Not Provided Within 3 Days of Application Date

Resolved-Disclosure verification received - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Open-CHARM Booklet Not Provided Within 3 Days of Application Date - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Resolved-Disclosure verification received - Due Diligence Vendor-REDACTED

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

N/A

REDACTED

HAWT154120

Closed

FCOM1270

REDACTED

Resolved

1 - Information

Compliance

Disclosure

ARM Disclosure Not Provided Within 3 Days of Application Date

Resolved-Disclosure verification received - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Open-ARM Disclosure Not Provided Within 3 Days of Application Date - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Resolved-Disclosure verification received - Due Diligence Vendor-REDACTED

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

N/A

REDACTED

HAWT154120

Closed

FCOM4001

REDACTED

Resolved

1 - Information

Compliance

Disclosure

Missing Proof of Appraisal Delivery or Signed Appraisal Delivery Waiver

Resolved-System verification of appraisal delivery received – resolved.

- Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Open- - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Resolved-System verification of appraisal delivery received – resolved.

- Due Diligence Vendor-REDACTED

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

N/A

REDACTED

HAWT154960

Closed

FCRE1437

REDACTED

Waived

2 - Non-Material

Credit

Income/Employment

Income and Employment Do Not Meet Guidelines

Waived-Income and Employment Do Not Meet Guidelines The borrower transitioned from a REDACTED to a REDACTED for a new company. Because the REDACTED tax returns show only REDACTED of self-employment income, they do not meet the standard REDACTED requirement. However, the lender has approved an exception to allow less than REDACTED years of self-employment. page 206

- Due Diligence Vendor-REDACTED

- Credit score is REDACTED points or more above minimum score required, same profession different pay structure

QM: Safe Harbor APOR (APOR SH)

REDACTED

Second Home

Purchase

Originator Pre-Close

Yes

REDACTED

HAWT155215

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Refinance

No Cash Out - Borrower Initiated

REDACTED

HAWT156460

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

REDACTED

HAWT155905

Closed

FPRO1253

REDACTED

Resolved

1 - Information

Property

Data

Secondary Valuation or Additional Valuation has not been entered per securitization requirements

Resolved-Post Close Review AVM received - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Open- - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Resolved-Post Close Review AVM received - Due Diligence Vendor-REDACTED

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

N/A

REDACTED

HAWT155905

Closed

FCRE2663

REDACTED

Resolved

1 - Information

Credit

Missing Doc

Missing Application

Resolved-Initial 1003 received - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Open-THERE WAS NO EVIDENCE OF THE INITIAL LOAN APPLICATION FOR THE CO-BORROWER LOCATED IN THE LOAN FILE. - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Resolved-Initial 1003 received - Due Diligence Vendor-REDACTED

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

N/A

REDACTED

HAWT155905

Closed

FCRE8201

REDACTED

Waived

2 - Non-Material

Credit

Eligibility

Loan does not conform to program guidelines

Waived-AUS recommendation is 'Refer with Caution' due to REDACTED LTV and does not meet Guidelines requirement, however, lender provided guidelines exception approval - page 869 - Due Diligence Vendor-REDACTED

Credit score is REDACTED points or more above minimum score required.

- REDACTED residence, borrower has stable income as a REDACTED and minimal debt

- Refer is due to CLTV which is allowed under Medical Mortgage program

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

Originator Pre-Close

Yes

REDACTED

HAWT157315

Closed

FPRO1253

REDACTED

Resolved

1 - Information

Property

Data

Secondary Valuation or Additional Valuation has not been entered per securitization requirements

Resolved-Post Close Review AVM received

- Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Open-Secondary Valuation or Additional Valuation has not been entered per securitization requirements and CU Score, if present, is greater than 2.5 - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Resolved-Post Close Review AVM received

- Due Diligence Vendor-REDACTED

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

N/A

REDACTED

HAWT156385

Closed

FCRE1254

REDACTED

Resolved

1 - Information

Credit

Title

Property Title Issue

Resolved-Final title policy received verifying lien position and other items removed - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Open-Preliminary title in file (pg 60) reflects a judgment on title and three years of delinquent taxes tied to seller. Title supplement or final title policy required to verify delinquent taxes and judgment were removed/paid from title at closing and do not impact lien position. - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Resolved-Final title policy received verifying lien position and other items removed - Due Diligence Vendor-REDACTED

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

N/A

REDACTED

HAWT155845

Closed

FCOM1232

REDACTED

Waived

2 - Non-Material

Compliance

Missing Doc

The Final 1003 is Missing

Waived-Final 1003 received, dated post-close/disbursement date - B2 - Due Diligence Vendor-REDACTED

Ready for Review- - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Open-The Final 1003 is Missing THERE WAS NO EVIDENCE OF THE FINAL 1003 IN THE LOAN FILE. - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Waived-Final 1003 received, dated post-close/disbursement date - B2 - Due Diligence Vendor-REDACTED

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

Originator Post-Close

REDACTED

HAWT155845

Closed

FCRE1467

REDACTED

Resolved

1 - Information

Credit

Missing Doc

Asset 1 Missing

Resolved-Proceeds from sale documented via seller CD. - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Open-Asset 1 Missing The initial 1003 and 1008 indicate verified assets of REDACTED from the proceeds of a sale. There is no evidence of this in the file. - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Resolved-Proceeds from sale documented via seller CD. - Due Diligence Vendor-REDACTED

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

N/A

REDACTED

HAWT154945

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

REDACTED

HAWT157990

Closed

FCRE8201

REDACTED

Waived

2 - Non-Material

Credit

Eligibility

Loan does not conform to program guidelines

Waived-Deferred student loan obligations were excluded from the Debt-to-Income (DTI) calculation to maintain the ratio within the maximum REDACTED% threshold prescribed by REDACTED guidelines. Exception in file - pg 418 - Due Diligence Vendor-REDACTED

Credit score is REDACTED points or more above minimum score required, DTI at REDACTED vs. REDACTED% program max allowing deferred loans to be counted as REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

Originator Pre-Close

Yes

REDACTED

HAWT157630

Closed

FCOM1477

REDACTED

Resolved

1 - Information

Compliance

Missing Doc

Missing evidence of rate lock

Resolved-Lock conf received - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Open-Evidence of Rate Lock Missing EVIDENCE OF RATE LOCK IS MISSING. - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Resolved-Lock conf received - Due Diligence Vendor-REDACTED

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

N/A

REDACTED

HAWT157630

Closed

FCRE2109

REDACTED

Resolved

1 - Information

Credit

Missing Doc

Missing Lender Income Calculation Worksheet

Resolved-Cash flow analysis received - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. Underwriters income analysis attached. - Seller-REDACTED

Open- - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. Underwriters income analysis attached. - Seller-REDACTED

Resolved-Cash flow analysis received - Due Diligence Vendor-REDACTED

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

N/A

REDACTED

HAWT157630

Closed

FCRE5116

REDACTED

Resolved

1 - Information

Credit

Missing Doc

Missing VOM or VOR

Resolved-Resolved - not required by REDACTED - Due Diligence Vendor-REDACTED

Ready for Review-The REDACTED loan program allows the underwriter to review and document the file to the REDACTED findings (see section REDACTED). The underwriter noted the files was underwritten and documented to REDACTED. The REDACTED findings did not require a verification of rent. - Seller-REDACTED

Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. - Due Diligence Vendor-REDACTED

Resolved-Resolved - not required by REDACTED- Due Diligence Vendor-REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

N/A

REDACTED

HAWT157630

Closed

FCOM1270

REDACTED

Resolved

1 - Information

Compliance

Disclosure

ARM Disclosure Not Provided Within 3 Days of Application Date

Resolved-Resolved - disclosure verification - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. Disclosure Tracking shows that the ARM Disclosure was sent REDACTED - Seller-REDACTED

Open-ARM Disclosure Not Provided Within 3 Days of Application Date ARM DISCLOSURE NOT PROVIDED WITHIN 3 DAYS OF APPLICATION DATE OF REDACTED. - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. Disclosure Tracking shows that the ARM Disclosure was sent REDACTED - Seller-REDACTED

Resolved-Resolved - disclosure verification - Due Diligence Vendor-REDACTED

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

N/A

REDACTED

HAWT157630

Closed

FCOM1797

REDACTED

Resolved

1 - Information

Compliance

Missing Doc

Missing Service Provider List

Resolved-SSPL received - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Open-MISSING SERVICE PROVIDERS LIST. - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Resolved-SSPL received - Due Diligence Vendor-REDACTED

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

N/A

REDACTED

HAWT156895

Closed

FCRE1193

REDACTED

Waived

2 - Non-Material

Credit

Eligibility

Audited DTI Exceeds Guideline DTI

Waived-Exception in file to allow DTI of REDACTED with REDACTED allowed per originator guidelines. (Final 1008 DTI is REDACTED% which is still over guideline max of REDACTED%.) Pg 646 - Due Diligence Vendor-REDACTED

Significant increase in earnings expected - new physician, adequate net worth/liquid assets to cover debt service for REDACTED months, credit score is REDACTED points or mote above minimum score required, DTI would be under REDACTED% without including REDACTED. Pg 646

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

Originator Pre-Close

Yes

REDACTED

HAWT158260

Closed

FCRE1440

REDACTED

Resolved

1 - Information

Credit

Eligibility

Housing History Does Not Meet Guideline Requirements

Resolved-AUS did not require VOR - resolved - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. The REDACTED allows the underwriter to approve using REDACTED guidelines and to document to REDACTED. This loan was documented to REDACTED findings and a VOR was not required. - Seller-REDACTED

Open-Housing History Does Not Meet Guideline Requirements - The loan file is missing evidence of housing history - Due Diligence Vendor-REDACTED

Resolved-AUS did not require VOR - resolved - Due Diligence Vendor-REDACTED

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

N/A

REDACTED

HAWT154315

Closed

FCRE5116

REDACTED

Resolved

1 - Information

Credit

Missing Doc

Missing VOM or VOR

Resolved-Rental payment history received - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. Underwriter accepted rental history reported on credit report. - Seller-REDACTED

Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. The borrower previously rented. There is no VOR in the file. - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. Underwriter accepted rental history reported on credit report. - Seller-REDACTED

Resolved-Rental payment history received - Due Diligence Vendor-REDACTED

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

N/A

REDACTED

HAWT154315

Closed

FCRE6696

REDACTED

Waived

2 - Non-Material

Credit

Income/Employment

Employment Self-Employed Less Than 2 Years at Origination

Waived-***Exception in the file on page 606 to allow less than REDACTED years of self employment.*** - Due Diligence Vendor-REDACTED

Significant increase in earnings expected - REDACTED, credit score more than REDACTED points over program minimum

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

Originator Pre-Close

Yes

REDACTED

HAWT156025

Closed

FCRE1193

REDACTED

Waived

2 - Non-Material

Credit

Eligibility

Audited DTI Exceeds Guideline DTI

Waived-DTI exceeds max REDACTED% at REDACTED% - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Open- - Due Diligence Vendor-REDACTED

Open-DTI of REDACTED% exceeds guidelines DTI with no exception in file - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Waived-DTI exceeds max REDACTED% at REDACTED% - Due Diligence Vendor-REDACTED

Borrower in residency, credit score of REDACTED points or more above minimum, significant increase in earnings anticipated - borrower in residency

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

Originator Pre-Close

Yes

REDACTED

HAWT157705

Closed

FPRO1253

REDACTED

Resolved

1 - Information

Property

Data

Secondary Valuation or Additional Valuation has not been entered per securitization requirements

Resolved-Post close desk review valuation received. - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Counter-Unable to use AVM submitted as a post-close secondary value. Valuation is more than 10% variance from primary valuation.

- Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Open- - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Resolved-Post close desk review valuation received. - Due Diligence Vendor-REDACTED

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

N/A

REDACTED

HAWT157705

Closed

FCOM1797

REDACTED

Resolved

1 - Information

Compliance

Missing Doc

Missing Service Provider List

Resolved-WLSP received - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Open-MISSING SERVICE PROVIDERS LIST - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Resolved-WLSP received - Due Diligence Vendor-REDACTED

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

N/A

REDACTED

HAWT157705

Closed

FCOM4001

REDACTED

Resolved

1 - Information

Compliance

Disclosure

Missing Proof of Appraisal Delivery or Signed Appraisal Delivery Waiver

Resolved-System verification of appraisal delivery received – resolved.

- Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Open- - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Resolved-System verification of appraisal delivery received – resolved.

- Due Diligence Vendor-REDACTED

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

N/A

REDACTED

HAWT157705

Closed

FCRE6911

REDACTED

Waived

2 - Non-Material

Credit

Eligibility

DTI exceeds program maximum

Waived-Loan DTI of REDACTED exceeds the REDACTED% REDACTED guidelines, as deferred REDACTED were calculated at REDACTED of the balance. Exception to allow DTI over REDACTED% on page 761. - Due Diligence Vendor-REDACTED

- Credit score is REDACTED points or more above minimum required

- Current home will be listed for sale after move

- Repeat customer of lender, strong history

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

Originator Pre-Close

Yes

REDACTED

HAWT153835

Closed

FCRE4165

REDACTED

Waived

2 - Non-Material

Credit

Income/Employment

Employment Gaps in Employment Without Sufficient Explanation

Waived-Document Uploaded. Exception received from lender to allow no written LOX from borrower in file at origination. Gap from school to employment was REDACTED. Explanation was in file from lender, but not from borrower as required per guidelines. - Due Diligence Vendor-REDACTED

Ready for Review-An explanation of the REDACTED employment gap when REDACTED left REDACTED in REDACTED and started with REDACTED in REDACTED was an underwriting oversight and not obtained. - Seller-REDACTED

Open-Borrower 1 has gap in employment exceeding REDACTED between the termination of the previous employment on REDACTED and the commencement of the current employment on REDACTED . Per Guidelines, Gaps in employment greater than REDACTED days must be addressed. Missing documentation addressing the employment gap. page 390,392 - Due Diligence Vendor-REDACTED

Waived-Document Uploaded. Exception received from lender to allow no written LOX from borrower in file at origination. Gap from school to employment was REDACTED . Explanation was in file from lender, but not from borrower as required per guidelines. - Due Diligence Vendor-REDACTED

FICO REDACTED, REDACTED - borrower is in first professional job after finishing medical school

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

Originator Post-Close

Yes

REDACTED

HAWT153835

Closed

FVAL4940

REDACTED

Resolved

1 - Information

Property

Missing Doc

Missing Homeowner's Association Questionnaire

Resolved-Condo questionnaire/project approval received - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Open-Missing condo questionnaire - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Resolved-Condo questionnaire/project approval received - Due Diligence Vendor-REDACTED

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

N/A

REDACTED

HAWT156760

Closed

FPRO1253

REDACTED

Resolved

1 - Information

Property

Data

Secondary Valuation or Additional Valuation has not been entered per securitization requirements

Resolved-Post close desk review received - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Counter-Unable to use Desktop appraisal received which is more than 10% variance from primary valuation. - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Counter-Unable to use AVM submitted as a post-close secondary value. Valuation is more than 10% variance from primary valuation.

- Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Open-Secondary Valuation or Additional Valuation has not been entered per securitization requirements and CU Score, if present, is greater than 2.5 - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Resolved-Post close desk review received - Due Diligence Vendor-REDACTED

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

N/A

REDACTED

HAWT156760

Closed

FCRE8201

REDACTED

Waived

2 - Non-Material

Credit

Eligibility

Loan does not conform to program guidelines

Waived-Exception in file to allow the start date for the borrower which is REDACTED days after the Note Date vs. program max REDACTED days. There is an Exception for this on page 763. - Due Diligence Vendor-REDACTED

Significant increase in earnings expected, FICO more than REDACTED points over program minimum, relationship history - REDACTED loan to borrowers, current home being lived in sold before the closing of this property

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

Originator Pre-Close

Yes

REDACTED

HAWT158005

Closed

FCRE8201

REDACTED

Waived

2 - Non-Material

Credit

Eligibility

Loan does not conform to program guidelines

Waived-Loan DTI of REDACTED % per REDACTED exceeds maximum allowable DTI limit due to inclusion of REDACTED; however, a guidelines exception was approved based on validated compensating factors below. page 595 - Due Diligence Vendor-REDACTED

Significant increase in earnings expected - Borrower is a resident REDACTED and earnings will increase once out of training.

- DTI without REDACTED loans included is REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

Originator Pre-Close

Yes

REDACTED

HAWT157825

Closed

finding-3939

REDACTED

Resolved

1 - Information

Compliance

ComplianceEase

TRID Rate Lock Disclosure Delivery Date Test

Resolved-Document Uploaded. LE issued on REDACTED for rate lock and disclosure tracking showing REDACTED for LE sent to borrower in line item tracking at the bottom of the system snapshot received. - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Counter-COC from REDACTED (rate lock) and REDACTED received. LE from REDACTED received. Is there an LE that was issued on REDACTED with the rate lock? - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Open-Revised LE dated REDACTED is missing from file. Disclosure tracking indicates revised LE was sent on 4/10 (COC due to Rate Lock) - Due Diligence Vendor-REDACTED

Rescinded-This loan failed the TRID Rate Lock Disclosure Delivery Date Test. (12 CFR §1026.19(e)(3)(iv)(D))A disclosure advising of the revised interest rate, points, lender credits, and any other interest rate dependent charges and terms was not provided to the borrower within three business days after the interest rate was locked on REDACTED , REDACTED and REDACTED . - Due Diligence Vendor-REDACTED

Open- - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Refinance

Limited Cash Out - <2% of Loan Amount or $2000

N/A

REDACTED

HAWT157825

Closed

FCRE1254

REDACTED

Resolved

1 - Information

Credit

Title

Property Title Issue

Resolved-Property Title Issue Resolved - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Open-Lenders title insurance (pg 94) - coverage is not sufficient. Loan amount is REDACTED . Lender coverage is REDACTED. - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Resolved-Property Title Issue Resolved - Due Diligence Vendor-REDACTED

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Refinance

Limited Cash Out - <2% of Loan Amount or $2000

N/A

REDACTED

HAWT157825

Closed

FCOM1477

REDACTED

Resolved

1 - Information

Compliance

Missing Doc

Missing evidence of rate lock

Resolved-Rate Lock received - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Open-Evidence of Rate Lock Missing - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Resolved-Rate Lock received - Due Diligence Vendor-REDACTED

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Refinance

Limited Cash Out - <2% of Loan Amount or $2000

N/A

REDACTED

HAWT157825

Closed

FCOM1262

REDACTED

Resolved

1 - Information

Compliance

Missing Doc

Right of Rescission is Missing

Resolved-Right of Rescission is Provided - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Open-Right of Rescission is Missing - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Resolved-Right of Rescission is Provided - Due Diligence Vendor-REDACTED

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Refinance

Limited Cash Out - <2% of Loan Amount or $2000

N/A

REDACTED

HAWT157825

Closed

FCOM4227

REDACTED

Resolved

1 - Information

Compliance

Missing Doc

TRID: Missing Closing Disclosure

Resolved- - Due Diligence Vendor-REDACTED

Ready for Review-Initial Closing Disclosure received - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Open-THERE WAS NO EVIDENCE OF THE INITIAL CLOSING DISCLOSURE IN THE LOAN FILE. BASED OFF THE DOCUMENT TRACKER ON PAGE:26 THE INITIAL CLOSING DISCLOSURE WAS DELIVERED TO THE BORROWERS ON REDACTED . - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Refinance

Limited Cash Out - <2% of Loan Amount or $2000

N/A

REDACTED

HAWT157825

Closed

FCOM1252

REDACTED

Resolved

1 - Information

Compliance

Missing Doc

TRID: Missing Loan Estimate

Resolved-Loan Estimate dated REDACTED was received. - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Open-THERE WAS NO EVIDENCE OF THE REVISED LOAN ESTIMATE IN THE LOAN FILE. BASED OFF THE DOCUMENT TRACKER ON PAGE:26 THE LREVISED LOAN ESTIMATE WAS DELIVERED TO THE BORROWERS ON REDACTED . - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Resolved-Loan Estimate dated REDACTED was received. - Due Diligence Vendor-REDACTED

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Refinance

Limited Cash Out - <2% of Loan Amount or $2000

N/A

REDACTED

HAWT157825

Closed

FCOM8227

REDACTED

Resolved

1 - Information

Compliance

Missing Doc

TRID: Missing Loan Estimate

Resolved-Initial Loan Estimate is not Missing. - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Open-Initial Loan Estimate is Missing. THERE WAS NO EVIDENCE OF THE INITIAL LOAN ESTIMATE IN THE LOAN FILE. BASED OFF THE DOCUMENT TRACKER ON PAGE:26 THE LOAN ESTIMATE WAS DELIVERED TO THE BORROWERS ON REDACTED . - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Resolved-Initial Loan Estimate is not Missing. - Due Diligence Vendor-REDACTED

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Refinance

Limited Cash Out - <2% of Loan Amount or $2000

N/A

REDACTED

HAWT157420

Closed

FCRE1437

REDACTED

Waived

2 - Non-Material

Credit

Income/Employment

Income and Employment Do Not Meet Guidelines

Waived-Income and Employment Do Not Meet Guidelines Borrower was a REDACTED from REDACTED until REDACTED, but now a full time REDACTED. Lender qualified borrower using a mix of theREDACTED and REDACTED income - Exception on page 814

- Due Diligence Vendor-REDACTED

Adequate net worth or adjusted liquid assets to cover total debt servicing for REDACTED months

Credit score is REDACTED points or more above minimum score required - REDACTED FICO

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

Originator Pre-Close

Yes

REDACTED

HAWT157510

Closed

FCRE1323

REDACTED

Waived

2 - Non-Material

Credit

Income/Employment

Borrower 1 Business Tax Returns Less Than 24 Months Provided

Waived-Exception form received to allow less than REDACTED years self-employment for B1 - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. Credit Exception Form provided. - Seller-REDACTED

Counter-Do you have the updated credit exception form referenced from the response comment? "The credit exception form should have been updated to approved using B1 REDACTED and signed/dated/printed for the file." - For this exception - The underwriter did agree to use the income from REDACTED for both borrowers and noted a credit exception on the 1008 for using the REDACTED where B1 did not have a REDACTED year history. - Due Diligence Vendor-REDACTED

Ready for Review-Borrowers are both REDACTED. REDACTED was established REDACTED with the IRS business code of REDACTED which is "REDACTED". In REDACTED and REDACTED B2 (REDACTED) owned REDACTED of REDACTED. In REDACTED, B1 (REDACTED) and B2 owned REDACTED each of REDACTED. B2 also works for REDACTED and an exception request was submitted to use that income. That exception was denied because the contract was forREDACTED. The underwriter did agree to use the income from REDACTED for both borrowers and noted a credit exception on the 1008 for using the SE income where B1 did not have a REDACTED history. However, since the credit exception form in the file was denied for the REDACTED income, the underwriter is locked out from updating the form and needed a manager override to update the form. The credit exception form should have been updated to approved using B1 REDACTED less than REDACTED and signed/dated/printed for the file. - Seller-REDACTED

Open-Borrower 1 Business Tax Returns Less Than REDACTED Months Provided REDACTED Guidelines requires REDACTED history of the borrower’s prior earnings as a means of demonstrating the likelihood that the income will continue to be received, however, Borrower has only REDACTED self employment history with REDACTED, previously owned REDACTED by spouse. page 697,698,725. 1008 reflects a guidelines exception was approved for self employment but this exception was not located in file. - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. Credit Exception Form provided. - Seller-REDACTED Ready for Review-Borrowers are both REDACTED. REDACTED was established REDACTED with the IRS business code of REDACTED which is "REDACTED". In REDACTED and REDACTED B2 (REDACTED) owned REDACTED of REDACTED. In REDACTED, B1 (REDACTED) and B2 owned REDACTED each of REDACTED. B2 also works for REDACTED and an exception request was submitted to use that income. That exception was denied because the contract was forREDACTED. The underwriter did agree to use the income from REDACTED for both borrowers and noted a credit exception on the 1008 for using the SE income where B1 did not have a REDACTED history. However, since the credit exception form in the file was denied for the REDACTED income, the underwriter is locked out from updating the form and needed a manager override to update the form. The credit exception form should have been updated to approved using B1 REDACTED less than REDACTED and signed/dated/printed for the file. - Seller-REDACTED

Waived-Exception form received to allow less than REDACTED years self-employment for B1 - Due Diligence Vendor-REDACTED

Credit score more than REDACTED points over guideline minimum

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

Originator Post-Close

Yes

REDACTED

HAWT157645

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

REDACTED

HAWT154495

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

REDACTED

HAWT155350

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

REDACTED

HAWT153985

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

REDACTED

HAWT155965

Closed

FCOM4001

REDACTED

Resolved

1 - Information

Compliance

Disclosure

Missing Proof of Appraisal Delivery or Signed Appraisal Delivery Waiver

Resolved-Verification of appraisal delivery received - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Open- - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Resolved-Verification of appraisal delivery received - Due Diligence Vendor-REDACTED

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

N/A

REDACTED

HAWT155485

Closed

FPRO1253

REDACTED

Resolved

1 - Information

Property

Data

Secondary Valuation or Additional Valuation has not been entered per securitization requirements

Resolved-Post Close Review Desktop Appraisal received

- Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Open-Secondary Valuation or Additional Valuation has not been entered per securitization requirements and CU Score, if present, is greater than 2.5 - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Resolved-Post Close Review Desktop Appraisal received

- Due Diligence Vendor-REDACTED

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

N/A

REDACTED

HAWT155485

Closed

FCOM4001

REDACTED

Resolved

1 - Information

Compliance

Disclosure

Missing Proof of Appraisal Delivery or Signed Appraisal Delivery Waiver

Resolved-System verification of appraisal delivery received – resolved.

- Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Open-Appraisal Delivery Waiver in file is not signed. page 159 - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Resolved-System verification of appraisal delivery received – resolved.

- Due Diligence Vendor-REDACTED

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

N/A

REDACTED

HAWT156595

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

REDACTED

HAWT154645

Closed

finding-4038

REDACTED

Resolved

1 - Information

Compliance

ComplianceEase

Qualified Mortgage Lending Policy Points and Fees Test

Resolved-Document Uploaded. - Due Diligence Vendor-REDACTED

Resolved-Verification of bonafide discount points received - Due Diligence Vendor-REDACTED

Open- - Due Diligence Vendor-REDACTED

Rescinded-This loan has points and fees that exceed the points and fees threshold. (12 CFR 1026.43(e)(3))The loan amount is REDACTED or more, and the transaction's total points and fees is REDACTED , which exceeds 3 percent of the total loan amount of REDACTED ; orThe loan amount is less than REDACTED but at least REDACTED , and the transaction's total points and fees is REDACTED , which exceeds REDACTED ; orThe loan amount is less than REDACTED but at least REDACTED , and the transaction's total points and fees is REDACTED , which exceeds 5 percent of the total loan amount ofREDACTED 9; orThe loan amount is less than REDACTED but at least REDACTED , and the transaction's total points and fees is REDACTED , which exceeds REDACTED ; orThe loan amount is less than REDACTED and the transaction's total points and fees is REDACTED , which exceeds 8 percent of the total loan amount ofREDACTED . Rescinded - lender REDACTED - Due Diligence Vendor-REDACTED

Open- - Due Diligence Vendor-REDACTED

Resolved-Document Uploaded. - Due Diligence Vendor-REDACTED

Resolved-Verification of bonafide discount points received - Due Diligence Vendor-REDACTED

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

N/A

REDACTED

HAWT154510

Closed

FPRO1253

REDACTED

Resolved

1 - Information

Property

Data

Secondary Valuation or Additional Valuation has not been entered per securitization requirements

Resolved-Post Close Review AVM received

- Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Open-Secondary Valuation or Additional Valuation has not been entered per securitization requirements and CU Score, if present, is greater than 2.5 - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Resolved-Post Close Review AVM received

- Due Diligence Vendor-REDACTED

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

N/A

REDACTED

HAWT154510

Closed

FCRE4001

REDACTED

Resolved

1 - Information

Credit

Missing Doc

Missing 1008/UW Approval Document

Resolved-Received - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Open-Missing 1008/UW Approval Document Missing 1008 - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Resolved-Received - Due Diligence Vendor-REDACTED

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

N/A

REDACTED

HAWT154510

Closed

FCRE6911

REDACTED

Waived

2 - Non-Material

Credit

Eligibility

DTI exceeds program maximum

Waived-The loan DTI of REDACTED% exceeds the REDACTED% guideline limit with the consideration of REDACTED in DTI per REDACTED guidelines. An exception approval was provided - page 185 - Due Diligence Vendor-REDACTED

Credit score is REDACTED points or more above minimum score required

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

Originator Pre-Close

Yes

REDACTED

HAWT155890

Closed

FPRO1253

REDACTED

Resolved

1 - Information

Property

Data

Secondary Valuation or Additional Valuation has not been entered per securitization requirements

Resolved-Post Close Review AVM received

- Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Open-Secondary Valuation or Additional Valuation has not been entered per securitization requirements and CU Score, if present, is greater than 2.5 - Due Diligence Vendor-REDACTED

Open-Secondary Valuation or Additional Valuation has not been entered per securitization requirements and CU Score, if present, is greater than 2.5. LCA & CU are both REDACTED - CU on pg 176, LCA on page 177 - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Resolved-Post Close Review AVM received

- Due Diligence Vendor-REDACTED

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

N/A

REDACTED

HAWT155890

Closed

FCOM1477

REDACTED

Resolved

1 - Information

Compliance

Missing Doc

Missing evidence of rate lock

Resolved-Rate Lock received - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Open-Evidence of Rate Lock Missing THERE WAS NO EVIDENCE OF THE RATE LOCK AGREEMENT IN THE LOAN FILE. THERE WAS A CHANGE IN CIRCUMSTANCE ON PAGE 89 REFLECTING THE LOAN WAS LOCKED. - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Resolved-Rate Lock received - Due Diligence Vendor-REDACTED

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

N/A

REDACTED

HAWT156700

Closed

FPRO1253

REDACTED

Resolved

1 - Information

Property

Data

Secondary Valuation or Additional Valuation has not been entered per securitization requirements

Resolved-Post Close Review AVM received

- Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Open-Secondary Valuation or Additional Valuation has not been entered per securitization requirements and CU Score, if present, is greater than 2.5 CU score on pg 318 is REDACTED - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Resolved-Post Close Review AVM received

- Due Diligence Vendor-REDACTED

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

N/A

REDACTED

HAWT156700

Closed

FCRE9814

REDACTED

Resolved

1 - Information

Credit

Missing Doc

Missing Trust Agreement

Resolved-Document Received - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Open-Missing trust agreement/trust certification - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Resolved-Document Received - Due Diligence Vendor-REDACTED

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

N/A

REDACTED

HAWT156805

REDACTED

QM: Rebuttable Presumption DTI (DTI RP)

REDACTED

Primary Residence

Purchase

REDACTED

HAWT154225

Closed

FPRO1253

REDACTED

Resolved

1 - Information

Property

Data

Secondary Valuation or Additional Valuation has not been entered per securitization requirements

Resolved-Post Close Review Desktop Appraisal received

- Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Counter-Post close AVM address does not match address on note or original appraisal. Note address is REDACTED. Appraisal address is REDACTED. AVM address is REDACTED. Address on valuation must match note/property address. - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Open-Secondary Valuation or Additional Valuation has not been entered per securitization requirements and CU Score, if present, is greater than 2.5 - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Resolved-Post Close Review Desktop Appraisal received

- Due Diligence Vendor-REDACTED

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

N/A

REDACTED

HAWT154225

Closed

FCRE1193

REDACTED

Resolved

1 - Information

Credit

Eligibility

Audited DTI Exceeds Guideline DTI

Resolved-Audited DTI of % is less than or equal to Guideline DTI of % - Due Diligence Vendor-REDACTED

Open-Exception on 1008 to exclude REDACTED payments (REDACTED) vs. REDACTED per lender guidelines. Exception form not located in file. - Due Diligence Vendor-REDACTED

Resolved-Audited DTI of % is less than or equal to Guideline DTI of % - Due Diligence Vendor-REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

N/A

REDACTED

HAWT157600

Closed

FCRE4165

REDACTED

Waived

2 - Non-Material

Credit

Income/Employment

Employment Gaps in Employment Without Sufficient Explanation

Waived-Exception form received to allow no written explanation from borrower for employment gap from REDACTED - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Counter-An exception form is required - Due Diligence Vendor-REDACTED

Ready for Review-Underwriter accepted employment gap between end of school and beginning of new job in REDACTED without an LOX from the borrower. - Seller-REDACTED

Open-Missing employment gap letter for gap in employment between REDACTED, when borrower completed REDACTED and commencement of new employment on REDACTED. Per REDACTED guidelines, all gaps in employment must be addressed. page 746,895 - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Ready for Review-Underwriter accepted employment gap between end of school and beginning of new job in REDACTED without an LOX from the borrower. - Seller-REDACTED

Waived-Exception form received to allow no written explanation from borrower for employment gap from REDACTED - Due Diligence Vendor-REDACTED

Credit score is REDACTED points or more above program minimum, current employment verified

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

Originator Post-Close

Yes

REDACTED

HAWT157600

Closed

FCOM1252

REDACTED

Resolved

1 - Information

Compliance

Missing Doc

TRID: Missing Loan Estimate

Resolved-LE received - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Open-THE LOAN ESTIMATE DATED REDACTED WAS NOT FOUND IN THE FILE BASED OFF THE DISCLOSURE TRACKER IT WAS DELIVERED TO THE BORROWER ON REDACTED. PAGE 262 - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Resolved-LE received - Due Diligence Vendor-REDACTED

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

N/A

REDACTED

HAWT157600

Closed

FCOM7001

REDACTED

Resolved

1 - Information

Compliance

TRID

Missing Post Consummation Closing Disclosure

Resolved-PCCD received - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Open-THE CLOSING DISCLOSURE DATED REDACTED WAS NOT FOUND IN THE FILE BASED OFF THE DISCLOSURE TRACKER IT WAS DELIVERED TO THE BORROWER ON REDACTED. PAGE 262 - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Resolved-PCCD received - Due Diligence Vendor-REDACTED

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

N/A

REDACTED

HAWT157600

Closed

FCRE1180

REDACTED

Resolved

1 - Information

Credit

Missing Doc

HO-6 Insurance Policy is Missing

Resolved-HO-6 Insurance Policy is fully present - Due Diligence Vendor-REDACTED

Resolved-Insurance and condo docs received - resolved, policy verified - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. Insurance agent confirmed in REDACTED email that the master policy is "walls in" coverage. The by-laws of the association states the HOA master policy will not cover improvements or betterments made by the unit owner. In this case, it is a new complex/unit built in REDACTED. Our borrower is the first occupant so no improvements have been made and the master policy states REDACTED coverage, if damaged master policy would cover rebuilding to current (new) state. - Seller-REDACTED

Open-HO-6 Insurance Policy is Missing - Due Diligence Vendor-REDACTED

Resolved-HO-6 Insurance Policy is fully present - Due Diligence Vendor-REDACTED

Resolved-Insurance and condo docs received - resolved, policy verified - Due Diligence Vendor-REDACTED

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

N/A

REDACTED

HAWT157600

Closed

FCOM1477

REDACTED

Resolved

1 - Information

Compliance

Missing Doc

Missing evidence of rate lock

Resolved-Rate lock confirmation received - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Open-Evidence of Rate Lock Missing EVIDENCE OF RATE LOCK MISSING - LE evidencing rate lock not located in file - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Resolved-Rate lock confirmation received - Due Diligence Vendor-REDACTED

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

N/A

REDACTED

HAWT157600

Closed

FCOM4001

REDACTED

Resolved

1 - Information

Compliance

Disclosure

Missing Proof of Appraisal Delivery or Signed Appraisal Delivery Waiver

Resolved-System verification of appraisal delivery received – resolved.

- Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Open-Missing signed copy of Appraisal waiver disclosure or proof of appraisal delivery. page 290 - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Resolved-System verification of appraisal delivery received – resolved.

- Due Diligence Vendor-REDACTED

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

N/A

REDACTED

HAWT157600

Closed

FVAL4940

REDACTED

Resolved

1 - Information

Property

Missing Doc

Missing Homeowner's Association Questionnaire

Resolved-Condo documentation received - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Open-Missing condo questionnaire - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Resolved-Condo documentation received - Due Diligence Vendor-REDACTED

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

N/A

REDACTED

HAWT157600

Closed

FCOM1206

REDACTED

Resolved

1 - Information

Compliance

Missing Doc

The Note is Missing

Resolved-The Note is Present - Due Diligence Vendor-REDACTED

Resolved-The Note is Missing Note received - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Open-The Note is Missing - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Resolved-The Note is Present - Due Diligence Vendor-REDACTED

Resolved-The Note is Missing Note received - Due Diligence Vendor-REDACTED

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

N/A

REDACTED

HAWT158275

Closed

FCOM1122

REDACTED

Resolved

1 - Information

Compliance

TRID

Missing Initial CD

Resolved-Initial Closing Disclosure received - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Open-Initial CD must be submitted THERE WAS NO EVIDENCE OF THE INITIAL CLOSING DISCLOSURE DATED REDACTED IN THE LOAN FILE. BASED OFF THE DISCLOSURE TRACKER ON PAGE 18 THE INITIAL CLOSING DISCLOSURE WAS ISSUED ON REDACTED - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Resolved-Initial Closing Disclosure received - Due Diligence Vendor-REDACTED

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

N/A

REDACTED

HAWT156280

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

REDACTED

HAWT154465

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

REDACTED

HAWT154255

Closed

FPRO1253

REDACTED

Resolved

1 - Information

Property

Data

Secondary Valuation or Additional Valuation has not been entered per securitization requirements

Resolved-Post close desk review received - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - REDACTED

Open-Secondary Valuation or Additional Valuation has not been entered per securitization requirements and CU Score, if present, is greater than 2.5 - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Resolved-Post close desk review received - Due Diligence Vendor-REDACTED

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

N/A

REDACTED

HAWT157450

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

REDACTED

HAWT156715

Closed

FCRE1491

REDACTED

Resolved

1 - Information

Credit

Assets

Asset Qualification Does Not Meet Guideline Requirements

Resolved-Verification of ownership via REDACTED in file - Due Diligence Vendor-REDACTED

Ready for Review-The REDACTED base salary of REDACTED from REDACTED new position at REDACTED in REDACTED was used to qualify. REDACTED does have a REDACTED, REDACTED, but it is not income producing so it was not considered as a source of repayment. As a REDACTED REDACTED is REDACTED owner but the funds deposited into the two business accounts were not generated by REDACTED. REDACTED paychecks from previous employer, REDACTED, were deposited into REDACTED personal account with REDACTED0, then he transferred monies from that account into REDACTED account REDACTED. The REDACTED savings account #REDACTED received transfer of REDACTED from REDACTED on REDACTED. The REDACTED statement for #REDACTED shows a deposit of REDACTED on REDACTED from REDACTED. REDACTED sold their home and the proceeds of REDACTED were deposited into REDACTED on REDACTED and on REDACTED was transferred from REDACTED business savings account. REDACTED moved money between the REDACTED business accounts and also REDACTED personal account. But no income was considered from REDACTED and the assets in the business accounts came from REDACTED income from REDACTED and sale of their previous home. The Schedule C business provided no income. - Seller-REDACTED

Open-Asset Qualification Does Not Meet Guideline Requirements Lender used business REDACTED) asset from REDACTED to meet reserves requirement, however, the loan file is missing documentation proving borrower ownership, immediate access to funds, and a business cash flow analysis showing that withdrawing funds will not negatively impact the business. page 524-538 - Due Diligence Vendor-REDACTED

Resolved-Verification of ownership via tax returns in file - Due Diligence Vendor-REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

N/A

REDACTED

HAWT155530

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

REDACTED

HAWT155875

Closed

FCRE8201

REDACTED

Waived

2 - Non-Material

Credit

Eligibility

Loan does not conform to program guidelines

Waived-Exception - pg 502 - to allow B2 to start in new position more than REDACTED days post-note/closing date. - Due Diligence Vendor-REDACTED

Using B2 current income to qualify vs. new position to start which will be significantly higher earnings per award letter in file, FICO more than REDACTED points above program minimum, reserves in place to cover payment from close date through new position start date

QM: Rebuttable Presumption DTI (DTI RP)

REDACTED

Primary Residence

Purchase

Originator Pre-Close

Yes

REDACTED

HAWT155875

Closed

FCRE1193

REDACTED

Waived

2 - Non-Material

Credit

Eligibility

Audited DTI Exceeds Guideline DTI

Waived-Program guidelines allow a maximum of REDACTED% DTI. However, the file was approved with a DTI of REDACTED and an audited DTI of REDACTED. Exception on page 502. - Due Diligence Vendor-REDACTED

Waived-Program guidelines allow a maximum of REDACTED% DTI. However, the file was approved with a DTI o fREDACTED% and an audited DTI of REDACTED%. Exception on page 502. - Due Diligence Vendor-REDACTED

QM: Rebuttable Presumption DTI (DTI RP)

REDACTED

Primary Residence

Purchase

Originator Pre-Close

Yes

REDACTED

HAWT154060

Closed

FCOM4001

REDACTED

Resolved

1 - Information

Compliance

Disclosure

Missing Proof of Appraisal Delivery or Signed Appraisal Delivery Waiver

Resolved-System verification of appraisal delivery received. - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Open- - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Resolved-System verification of appraisal delivery received. - Due Diligence Vendor-REDACTED

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

N/A

REDACTED

HAWT154195

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

REDACTED

HAWT155515

Closed

FCRE6696

REDACTED

Waived

2 - Non-Material

Credit

Income/Employment

Employment Self-Employed Less Than 2 Years at Origination

Waived-***EXCEPTION on page 685 to allow less than REDACTED years of self employment.*** - Due Diligence Vendor-REDACTED

Credit score REDACTED points or more over program minimum, borrower is aREDACTED employment contract provides guaranteed hours, REDACTED% vs. REDACTED% max

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

Originator Pre-Close

Yes

REDACTED

HAWT157735

Closed

FPRO1253

REDACTED

Resolved

1 - Information

Property

Data

Secondary Valuation or Additional Valuation has not been entered per securitization requirements

Resolved-Post Close Desk Review received - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Counter-Unable to use AVM submitted as a post-close secondary value. Valuation is more than 10% variance from primary valuation.

- Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Open-Secondary Valuation or Additional Valuation has not been entered per securitization requirements and CU Score, if present, is greater than 2.5 CU REDACTED - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Resolved-Post Close Desk Review received - Due Diligence Vendor-REDACTED

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

N/A

REDACTED

HAWT156520

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

REDACTED

HAWT156415

Closed

FPRO1253

REDACTED

Resolved

1 - Information

Property

Data

Secondary Valuation or Additional Valuation has not been entered per securitization requirements

Resolved-Post Close Review AVM received

- Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Open-Secondary Valuation or Additional Valuation has not been entered per securitization requirements and CU Score, if present, is greater than 2.5 - Due Diligence Vendor-REDACTED

Open- - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Resolved-Post Close Review AVM received

- Due Diligence Vendor-REDACTED

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

N/A

REDACTED

HAWT156415

Closed

FCRE1168

REDACTED

Resolved

1 - Information

Credit

Insurance

Inadequate Hazard Insurance Coverage - Hazard Insurance Coverage is less than all Subject Lien(s) and Replacement Cost Value Provided

Resolved-Coverage is adequate - resolved - Due Diligence Vendor-REDACTED

Ready for Review-The insurance coverage of REDACTED exceeds the total estimate cost of a new build at REDACTED. We do not have to cover the loan amount if we have sufficient insurance to replace. - Seller-REDACTED

Open-Inadequate HOI coverage - Cost estimate to replace is REDACTED. Loan amount is REDACTED. Coverage is REDACTED. Pg 90 - Due Diligence Vendor-REDACTED

Resolved-Coverage is adequate - resolved - Due Diligence Vendor-REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

N/A

REDACTED

HAWT156415

Closed

FCOM9469

REDACTED

Resolved

1 - Information

Compliance

Missing Doc

Missing required ARM Rider

Resolved-Adjustable Rate Rider is present or is Not Applicable (Note Type is ARM) - Due Diligence Vendor-REDACTED

Resolved-ARM rider received - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Open-Deed of Trust is Missing Adjustable Rate Rider and Note Type is ARM ARM RIDER IS MISSING - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Resolved-Adjustable Rate Rider is present or is Not Applicable (Note Type is ARM) - Due Diligence Vendor-REDACTED

Resolved-ARM rider received - Due Diligence Vendor-REDACTED

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

N/A

REDACTED

HAWT156415

Closed

FCOM1220

REDACTED

Resolved

1 - Information

Compliance

Missing Doc

The Deed of Trust is Missing

Resolved-The Deed of Trust is Present - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Open-The Deed of Trust is Missing THE DEED OF TRUST IS MISSING AND PUD RIDER IS MISSING - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Resolved-The Deed of Trust is Present - Due Diligence Vendor-REDACTED

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

N/A

REDACTED

HAWT156415

Closed

FCOM1227

REDACTED

Resolved

1 - Information

Compliance

Missing Doc

PUD Rider is Missing

Resolved-The PUD Rider is Present or is Not Applicable (Property Type is PUD) - Due Diligence Vendor-REDACTED

Resolved-PUD rider received - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Open-PUD Rider is Missing PUD RIDER IS MISSING - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Resolved-The PUD Rider is Present or is Not Applicable (Property Type is PUD) - Due Diligence Vendor-REDACTED

Resolved-PUD rider received - Due Diligence Vendor-REDACTED

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

N/A

REDACTED

HAWT156415

Closed

FCOM4227

REDACTED

Resolved

1 - Information

Compliance

Missing Doc

TRID: Missing Closing Disclosure

Resolved-Final signed CD received - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Open-Missing final signed CD - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Resolved-Final signed CD received - Due Diligence Vendor-REDACTED

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

N/A

REDACTED

HAWT157750

Closed

FPRO1253

REDACTED

Resolved

1 - Information

Property

Data

Secondary Valuation or Additional Valuation has not been entered per securitization requirements

Resolved-Post close desk review received - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Counter-Unable to use AVM submitted as a post-close secondary value. Valuation is more than 10% variance from primary valuation. - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Counter-Unable to use Desktop submitted as a post-close secondary value. Valuation is more than 10% variance from primary valuation.

- Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Open- - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Resolved-Post close desk review received - Due Diligence Vendor-REDACTED

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

N/A

REDACTED

HAWT157750

Closed

FCRE6763

REDACTED

Waived

2 - Non-Material

Credit

Income/Employment

Income documentation does not meet guidelines

Waived-Exception documented in file (pg 582) to allow the use of borrower overtime & shift differential income without a two year history. - Due Diligence Vendor-REDACTED

Significant increase in earnings expected, FICO REDACTED, full PITIA on departing residence included in DTI

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

Originator Pre-Close

Yes

REDACTED

HAWT157840

Closed

FCRE1437

REDACTED

Resolved

1 - Information

Credit

Income/Employment

Income and Employment Do Not Meet Guidelines

Resolved-Resolved per lender response - Due Diligence Vendor-REDACTED

Ready for Review-Underwriter applied these REDACTED guidelines given both borrowers' history in this line of work: "The income of a person who has less than a two-year history of self-employment may be considered, as long as the borrower’s most recent signed personal and business federal income tax returns reflect a REDACTED year (REDACTED months) of self-employment income from the current business. The loan file must also contain documentation to support the history of receipt of prior income at the same (or greater) level and

in a field that provides the same products or services as the current business, or

in an occupation in which they had similar responsibilities to those undertaken in connection with the current business." - Seller-REDACTED

Open-Income and Employment Do Not Meet Guidelines The borrower's business -REDACTED, was incorporated on REDACTED, and the loan closed on REDACTED. As the business is less than the two years required by REDACTED guidelines, the lender's 1008 comment noted one-year self-employment (SE) allowed by REDACTED guidelines, however the business being less than REDACTED years old is not addressed. page 437,902 - Due Diligence Vendor-REDACTED

Ready for Review-Underwriter applied these REDACTED guidelines given both borrowers' history in this line of work: "The income of a person who has less than a two-year history of self-employment may be considered, as long as the borrower’s most recent signed personal and business federal income tax returns reflect REDACTED year (REDACTED months) of self-employment income from the current business. The loan file must also contain documentation to support the history of receipt of prior income at the same (or greater) level and

in a field that provides the same products or services as the current business, or

in an occupation in which they had similar responsibilities to those undertaken in connection with the current business." - Seller-REDACTED

Resolved-Resolved per lender response - Due Diligence Vendor-REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

N/A

REDACTED

HAWT157840

Closed

FCOM4001

REDACTED

Resolved

1 - Information

Compliance

Disclosure

Missing Proof of Appraisal Delivery or Signed Appraisal Delivery Waiver

Resolved-System verification of appraisal delivery received – resolved.

- Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Open- - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Resolved-System verification of appraisal delivery received – resolved.

- Due Diligence Vendor-REDACTED

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

N/A

REDACTED

HAWT157945

Closed

FCOM1621

REDACTED

Resolved

1 - Information

Compliance

Missing Doc

Missing Initial Escrow Disclosure

Resolved-Initial Escrow Account Disclosure is Resolved - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Open-Initial Escrow Account Disclosure is Missing - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Resolved-Initial Escrow Account Disclosure is Resolved - Due Diligence Vendor-REDACTED

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

N/A

REDACTED

HAWT154690

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

REDACTED

HAWT157015

Closed

FCRE1437

REDACTED

Waived

2 - Non-Material

Credit

Income/Employment

Income and Employment Do Not Meet Guidelines

Waived-Exception - page 954 - Exception made to not use REDACTED income and to use a REDACTED month average of REDACTED income. (Appears from form that an extension for REDACTED was filed.) - Due Diligence Vendor-REDACTED

Net worth/liquid assets to cover debt service for REDACTED months, credit score of REDACTED or more points above program minimum

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

Originator Pre-Close

Yes

REDACTED

HAWT157720

Closed

FCRE1440

REDACTED

Resolved

1 - Information

Credit

Eligibility

Housing History Does Not Meet Guideline Requirements

Resolved-Resolved - Mortgage pg 384/651 - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. Underwriter documented to REDACTED Mortgage UW standards. Section attached that allows previous mortgage paid in full in last REDACTED months on credit to satisfy housing history. - Seller-REDACTED

Open-Housing History Does Not Meet Guideline Requirements - Due Diligence Vendor-REDACTED

Open-The Housing History was not provided. According to REDACTED Standards, REDACTED month housing history is required. - Due Diligence Vendor-REDACTED

Resolved-Resolved - Mortgage pg 384/651 - Due Diligence Vendor-REDACTED

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

N/A

REDACTED

HAWT157720

Closed

FCRE9549

REDACTED

Resolved

1 - Information

Credit

Missing Doc

Missing Credit Report Supplement

Resolved-Verification paid in full pg 5/10 - resolved - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. Attached - LOX for REDACTED and proof of payment from REDACTED. - Seller-REDACTED

Open-Exception on page 618 requires proof of REDACTED payoff to be provided. Proof of collection payoff not located in file. - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. Attached - LOX for REDACTED and proof of payment from REDACTED. - Seller-REDACTED

Resolved-Verification paid in full pg 5/10 - resolved - Due Diligence Vendor-REDACTED

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

N/A

REDACTED

HAWT157720

Closed

FCRE8201

REDACTED

Waived

2 - Non-Material

Credit

Eligibility

Loan does not conform to program guidelines

Waived-Exception in file (pg 618) to allow FICO of REDACTED vs. program minimum of REDACTED. - Due Diligence Vendor-REDACTED

Open-The loan received an exception for REDACTEDFICO score, pg 618. - Due Diligence Vendor-REDACTED

Waived-Exception in file (pg 618) to allow FICO of REDACTED vs. program minimum of REDACTED. - Due Diligence Vendor-REDACTED

Significant Increase in earnings expected. B1 fico is REDACTED.Significant earnings increase expected. B1 has additional income not used to qualify.

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

Originator Pre-Close

Yes

REDACTED

HAWT154570

Closed

FCRE1254

REDACTED

Resolved

1 - Information

Credit

Title

Property Title Issue

Resolved-Final title policy received - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Open-Preliminary title does not name lender as insured and does not have lender coverage. Supplement indicates REDACTED coverage which is insufficient vs. loan amount. Final title policy verifying lender coverage needed. - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Resolved-Final title policy received - Due Diligence Vendor-REDACTED

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

N/A

REDACTED

HAWT154975

Closed

FPRO1253

REDACTED

Resolved

1 - Information

Property

Data

Secondary Valuation or Additional Valuation has not been entered per securitization requirements

Resolved-Post Close Review AVM received

- Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Open-Secondary Valuation or Additional Valuation has not been entered per securitization requirements and CU Score, if present, is greater than 2.5 CU score on pg 74 is REDACTED CDA is required - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Resolved-Post Close Review AVM received

- Due Diligence Vendor-REDACTED

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

N/A

REDACTED

HAWT154975

Closed

FCRE1316

REDACTED

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 3rd Party VOE Prior to Close Missing

Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Open-Borrower 1 3rd Party VOE Prior to Close Missing VVOE within 10 days of closing is missing - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-REDACTED

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

N/A

REDACTED

HAWT156160

REDACTED

QM: Rebuttable Presumption DTI (DTI RP)

REDACTED

Primary Residence

Purchase

REDACTED

HAWT155695

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

REDACTED

HAWT154885

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

REDACTED

HAWT157855

Closed

FPRO1253

REDACTED

Resolved

1 - Information

Property

Data

Secondary Valuation or Additional Valuation has not been entered per securitization requirements

Resolved-Post close desk review received - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Counter-Document Uploaded. - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Open-Secondary Valuation or Additional Valuation has not been entered per securitization requirements and CU Score, if present, is greater than 2.5 - Due Diligence Vendor-REDACTED

Open- - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Resolved-Post close desk review received - Due Diligence Vendor-REDACTED

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

N/A

REDACTED

HAWT157405

Closed

FCOM4001

REDACTED

Resolved

1 - Information

Compliance

Disclosure

Missing Proof of Appraisal Delivery or Signed Appraisal Delivery Waiver

Resolved-System verification of appraisal delivery received – resolved.

- Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Open- - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Resolved-System verification of appraisal delivery received – resolved.

- Due Diligence Vendor-REDACTED

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

N/A

REDACTED

HAWT157405

Closed

FCRE6763

REDACTED

Waived

2 - Non-Material

Credit

Income/Employment

Income documentation does not meet guidelines

Waived-Exception in file - Lender qualified borrower using REDACTED months average of REDACTED (REDACTED) and YTD income for employment (REDACTED). page 672 - Due Diligence Vendor-REDACTED

Significant increase in earnings expected - Borrower is a REDACTED and future increase of REDACTED supported by YTD 1099 income

- REDACTED+ months in reserves

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

Originator Pre-Close

Yes

REDACTED

HAWT156535

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

REDACTED

HAWT157465

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

REDACTED

HAWT154420

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

REDACTED

HAWT156190

Closed

FCRE7497

REDACTED

Resolved

1 - Information

Credit

Missing Doc

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

Resolved-All supporting documentation verifying other REO received - resolved. - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. Attached the REDACTED statements for the REDACTED property when they made the draw in REDACTED and paid it off in REDACTED . REDACTED originated the mortgage on the REDACTED property and we've attached a mortgage statement to show taxes and insurance is escrowed. The property is a 2 unit condominium and the appraisal we have on that property confirmed -0- HOA dues and the borrower's statement regarding no HOA dues attached. - Seller-REDACTED

Open-Missing supporting documentation to verify REDACTED payment for other REO at REDACTED, REDACTED per Final 1003. DTI is subject to recalculation upon receipt. page 1170 - Due Diligence Vendor-REDACTED

Resolved-All supporting documentation verifying other REO received - resolved. - Due Diligence Vendor-REDACTED

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

N/A

REDACTED

HAWT157765

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

REDACTED

HAWT155455

Closed

FCRE1152

REDACTED

Resolved

1 - Information

Credit

Missing Doc

Evidence of Property Tax Missing

Resolved-Evidence of Property Tax is present - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. The amount collected is REDACTED on CD. Not REDACTED - Seller-REDACTED

Open-Missing Evidence of Property Tax Missing supporting documentation to verify monthly property tax amount of REDACTED per Final CD/IEAD0 page 104,99 - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. The amount collected is REDACTED on CD. Not 640.25 - Seller-REDACTED

Resolved-Evidence of Property Tax is present - Due Diligence Vendor-REDACTED

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

N/A

REDACTED

HAWT156775

Closed

FPRO1253

REDACTED

Resolved

1 - Information

Property

Data

Secondary Valuation or Additional Valuation has not been entered per securitization requirements

Resolved-Post close desk review received & ownership verified - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Counter-AVM received shows current owners as of REDACTED as REDACTED, which are not the borrowers on this loan and are not on deed to property per closing documents. The REDACTED were the sellers of the property to the current borrowers. AVM showing current owners is needed. - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Open-Secondary Valuation or Additional Valuation has not been entered per securitization requirements and CU Score, if present, is greater than 2.5 CU & LCA in file are REDACTED. Secondary valuation for securitization required. - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Resolved-Post close desk review received & ownership verified - Due Diligence Vendor-REDACTED

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

N/A

REDACTED

HAWT156775

Closed

FCOM1206

REDACTED

Resolved

1 - Information

Compliance

Missing Doc

The Note is Missing

Resolved-The Note is Present - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Open-The Note is Missing - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Resolved-The Note is Present - Due Diligence Vendor-REDACTED

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

N/A

REDACTED

HAWT154855

Closed

FCOM4001

REDACTED

Resolved

1 - Information

Compliance

Disclosure

Missing Proof of Appraisal Delivery or Signed Appraisal Delivery Waiver

Resolved-Borrower received copy of the appraisal or signed the delivery waiver disclosure. - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Open-Missing Signed Appraisal Delivery Waiver. page 567 - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Resolved-Borrower received copy of the appraisal or signed the delivery waiver disclosure. - Due Diligence Vendor-REDACTED

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

N/A

REDACTED

HAWT154855

Closed

FCRE8201

REDACTED

Waived

2 - Non-Material

Credit

Eligibility

Loan does not conform to program guidelines

Waived-Exception in file (pgs 374, 577) to exclude deferred REDACTED payments for B2 withREDACTED which keeps DTI under REDACTED% - Due Diligence Vendor-REDACTED

Waived-Exception in file (pgs 374, 577) to exclude REDACTED payments for B2 with REDACTED which keeps DTI under REDACTED% - Due Diligence Vendor-REDACTED

- Credit score is REDACTED points or more above minimum score required, additional income verified that is not included

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

Originator Pre-Close

Yes

REDACTED

HAWT156985

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Second Home

Purchase

REDACTED

HAWT157780

Closed

FCRE8201

REDACTED

Waived

2 - Non-Material

Credit

Eligibility

Loan does not conform to program guidelines

Waived-Exception approval received to allow AUS finding of refer with caution. - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. Credit exception form attached. - Seller-REDACTED

Open-AUS Recommendation -Refer with Caution- is not permitted by REDACTED Guidelines. page 156. This was noted on 1008. Unable to locate REDACTED exception approval form/screenshot in file. - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. Credit exception form attached. - Seller-REDACTED

Waived-Exception approval received to allow AUS finding of refer with caution. - Due Diligence Vendor-REDACTED

Credit score REDACTED points or more over minimum, existing mortgage client, borrower meets all medical mortgage program requirements, borrower will have reserves remaining after closing and debt payoffs.

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

Originator Pre-Close

Yes

REDACTED

HAWT155575

Closed

FCRE8201

REDACTED

Waived

2 - Non-Material

Credit

Eligibility

Loan does not conform to program guidelines

Waived-AUS recommendation is 'Refer with Caution' due to high LTV and is not permitted by REDACTED guidelines, however, the lender has approved guidelines exception - page 415. - Due Diligence Vendor-REDACTED

Significant increase in earnings expected as income will increase after REDACTED takes over practice in REDACTED years - Physician increase in salary is greater than the REDACTED

- Credit score is REDACTED points or more above minimum score required

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

Originator Pre-Close

Yes

REDACTED

HAWT154675

Closed

FCOM4001

REDACTED

Resolved

1 - Information

Compliance

Disclosure

Missing Proof of Appraisal Delivery or Signed Appraisal Delivery Waiver

Resolved-Borrower received copy of the appraisal or signed the delivery waiver disclosure. - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. Encompass screenshot attached. - Seller-REDACTED

Open- - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. Encompass screenshot attached. - Seller-REDACTED

Resolved-Borrower received copy of the appraisal or signed the delivery waiver disclosure. - Due Diligence Vendor-REDACTED

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

N/A

REDACTED

HAWT155365

Closed

FCRE8201

REDACTED

Waived

2 - Non-Material

Credit

Eligibility

Loan does not conform to program guidelines

Waived-The loan received a "Refer with Caution" -AUS recommendation due to high LTV/DTI ratios that do not meet REDACTED guidelines. The lender has approved an exception to proceed. page 544 - Due Diligence Vendor-REDACTED

Borrower is a REDACTED who just received license last year and income will be increasing over the next few years

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

Originator Pre-Close

Yes

REDACTED

HAWT155365

Closed

FPRO1253

REDACTED

Resolved

1 - Information

Property

Data

Secondary Valuation or Additional Valuation has not been entered per securitization requirements

Resolved-Post close desk review received - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Counter-Unable to use AVM submitted as a post-close secondary value. Valuation is more than 10% variance from primary valuation.

- Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Open- - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Resolved-Post close desk review received - Due Diligence Vendor-REDACTED

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

N/A

REDACTED

HAWT154270

Closed

FCOM4001

REDACTED

Resolved

1 - Information

Compliance

Disclosure

Missing Proof of Appraisal Delivery or Signed Appraisal Delivery Waiver

Resolved-System verification of appraisal delivery received – resolved. - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Open- - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Resolved-System verification of appraisal delivery received – resolved. - Due Diligence Vendor-REDACTED

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

N/A

REDACTED

HAWT154015

Closed

FCRE3978

REDACTED

Resolved

1 - Information

Credit

Missing Doc

Missing Letter of Explanation (Credit)

Resolved-Document not required per REDACTED Underwriting Standards - Due Diligence Vendor-REDACTED

Ready for Review-We don’t require the REDACTED on Medical Mortgage, the loan was underwritten to REDACTED UW Standards - Seller-REDACTED

Open-per AUS homeownership counseling is required. No documentation provided. - Due Diligence Vendor-REDACTED

Ready for Review-We don’t require the REDACTED on Medical Mortgage, the loan was underwritten to REDACTED UW Standards - Seller-REDACTED

Resolved-Document not required per REDACTED Underwriting Standards - Due Diligence Vendor-REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

N/A

REDACTED

HAWT154915

Buyer

FCOM1271

REDACTED

Rejected

2 - Non-Material

Compliance

Missing Doc

CHARM Booklet is Missing

Rejected-Disclosure not provided - Due Diligence Vendor-REDACTED

Ready for Review-Unable to resolve. - Seller-REDACTED

Open-CHARM Booklet is Missing - Due Diligence Vendor-REDACTED

Ready for Review-Unable to resolve. - Seller-REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

N/A

REDACTED

HAWT154915

Buyer

FCOM1268

REDACTED

Rejected

2 - Non-Material

Compliance

Missing Doc

ARM Disclosure is Missing

Rejected-Disclosure not provided - Due Diligence Vendor-REDACTED

Ready for Review-Unable to resolve. - Seller-REDACTED

Open-ARM Disclosure is Missing - Due Diligence Vendor-REDACTED

Ready for Review-Unable to resolve. - Seller-REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

N/A

REDACTED

HAWT154915

Closed

FCOM1477

REDACTED

Resolved

1 - Information

Compliance

Missing Doc

Missing evidence of rate lock

Resolved-Rate Lock confirmation received - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Open-Evidence of Rate Lock Missing - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Resolved-Rate Lock confirmation received - Due Diligence Vendor-REDACTED

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

N/A

REDACTED

HAWT154285

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Second Home

Purchase

REDACTED

HAWT154600

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

REDACTED

HAWT156880

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

REDACTED

HAWT156250

Closed

FCRE1193

REDACTED

Waived

2 - Non-Material

Credit

Eligibility

Audited DTI Exceeds Guideline DTI

Waived-Exception in file to allow qualifying DTI of REDACTED - Due Diligence Vendor-REDACTED

Waived-Exception in file to allow qualifying DTI of REDACTED% - Due Diligence Vendor-REDACTED

Current payments equal DTI of REDACTED - qualified at higher rate per guidelines, no cash out refi of current loan with lender, FICO score REDACTED points above minimum

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Refinance

No Cash Out - Borrower Initiated

Originator Pre-Close

Yes

REDACTED

HAWT156250

Closed

FCRE6616

REDACTED

Waived

2 - Non-Material

Credit

Income/Employment

VOE performed more than 10 days prior to closing

Waived-Refi of current loan with lender, FICO score REDACTEDpoints above minimum - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. Credit exception form attached for HOI and VVOE. - Seller-REDACTED

Counter- - Due Diligence Vendor-REDACTED

Ready for Review-Per lender - REDACTED started working the file on REDACTED. There was a VOE in the file dated REDACTED which would expire on REDACTED. The file was moved to closing on REDACTED by REDACTED and the closing date was set for REDACTED. On REDACTED, Closing changed the closing date to REDACTED, but the file was not returned to REDACTED to update the VOE. - Due Diligence Vendor-REDACTED

Open-VVOE IS DATED REDACTED AND NOTE DATE REDACTED - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. Credit exception form attached for HOI and VVOE. - Seller-REDACTED

Waived-Refi of current loan with lender, FICO score REDACTED points above minimum - Due Diligence Vendor-REDACTED

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Refinance

No Cash Out - Borrower Initiated

Originator Post-Close

Yes

REDACTED

HAWT156250

Closed

FCRE1167

REDACTED

Waived

2 - Non-Material

Credit

Insurance

Inadequate Hazard Insurance Coverage - Hazard Insurance Coverage is less than all Subject Lien(s)and Replacement Cost Estimator by Insurer was not Provided

Waived-Exception received to allow HOI coverage shortage - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. Credit exception form attached for HOI and VVOE outside of 10 days. - Seller-REDACTED

Counter- - Due Diligence Vendor-REDACTED

Ready for Review-

We are REDACTED short without taking into consideration the “other structures”. This loan was a refinance of an existing REDACTED loan that we were servicing.

- Seller-REDACTED

Counter-Binder of insurance at the time of closing verifies the same coverage as was previously verified. Inadequate Hazard Insurance Coverage - Hazard Insurance Coverage of REDACTED (ACTUAL DWELLING COVERAGE REDACTED) is less than all Subject Lien(s) of REDACTED and less than Cost Estimate of REDACTED. - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. Reviewed by REDACTEDand confirmed the HOI policy coverage is sufficient. The homeowners insurance declaration page shows both replacement cost coverage and expanded replacement cost.

- Seller-REDACTED

Open-Inadequate Hazard Insurance Coverage - Hazard Insurance Coverage of REDACTED(ACTUAL DWELLING COVERAGE REDACTED) is less than all Subject Lien(s) of REDACTED and less than Cost Estimate of REDACTED. - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. Credit exception form attached for HOI and VVOE outside of 10 days. - Seller-REDACTED

Ready for Review-

We are REDACTED short without taking into consideration the “other structures”. This loan was a refinance of an existing REDACTED loan that we were servicing.

- Seller-REDACTED

Ready for Review-Document Uploaded. Reviewed by REDACTED and confirmed the HOI policy coverage is sufficient. The homeowners insurance declaration page shows both replacement cost coverage and expanded replacement cost.

- Seller-REDACTED

Waived-Exception received to allow HOI coverage shortage - Due Diligence Vendor-REDACTED

Lender services loan and has verified adequate coverage post closing, refi of current loan with lender, FICO score REDACTED points above minimum

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Refinance

No Cash Out - Borrower Initiated

Originator Post-Close

Yes

REDACTED

HAWT156250

Closed

FCOM4227

REDACTED

Resolved

1 - Information

Compliance

Missing Doc

TRID: Missing Closing Disclosure

Resolved-Document Received. - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Open-MISSING THE INITIAL CD. - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Resolved-Document Received. - Due Diligence Vendor-REDACTED

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Refinance

No Cash Out - Borrower Initiated

N/A

REDACTED

HAWT154615

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

REDACTED

HAWT153880

Closed

FCOM1221

REDACTED

Resolved

1 - Information

Compliance

Missing Doc

The Deed of Trust is Incomplete

Resolved-Re-recorded DOT received with correct county - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Counter-Please provide updated recorded copy. - Due Diligence Vendor-REDACTED

Ready for Review-The original was recorded in the correct county and is correct on the recorded legal description. We have requested for Mortgage to be re-recorded to correct the page that reflects incorrect county. - Seller-REDACTED

Open-The Deed of Trust is Incomplete Deed of Trust shows county of subject property as REDACTED County. Title commitment on pg 76 shows REDACTED County, Appraisal (pg 298) shows REDACTED County, and Flood Cert on pg 190 shows REDACTED County. - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Resolved-Re-recorded DOT received with correct county - Due Diligence Vendor-REDACTED

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

N/A

REDACTED

HAWT154150

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

REDACTED

HAWT153910

Closed

FPRO1253

REDACTED

Resolved

1 - Information

Property

Data

Secondary Valuation or Additional Valuation has not been entered per securitization requirements

Resolved-Post Close Review AVM received

- Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Resolved-Post Close Review AVM received

- Due Diligence Vendor-REDACTED

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Second Home

Purchase

N/A

REDACTED

HAWT157210

Closed

FPRO1253

REDACTED

Resolved

1 - Information

Property

Data

Secondary Valuation or Additional Valuation has not been entered per securitization requirements

Resolved-Post Close Review AVM received

- Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Open-Secondary Valuation or Additional Valuation has not been entered per securitization requirements and CU Score, if present, is greater than 2.5 CU score is REDACTED - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Resolved-Post Close Review AVM received

- Due Diligence Vendor-REDACTED

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

N/A

REDACTED

HAWT156355

Closed

FCRE1253

REDACTED

Resolved

1 - Information

Credit

Eligibility

Missing Property Tax Cert

Resolved-Property Tax Cert & updated 1008 provided - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. Tax information sheet from closing attorney and 1008 with $REDACTED taxes attached. - Seller-REDACTED

Counter-There is no documented verification of either tax amount that was located in file. Final CD shows $REDACTED, 1008 shows $REDACTED. Updated 1008 with the final CD figure for taxes is needed. Verification of taxes documented is needed. - Due Diligence Vendor-REDACTED

Ready for Review-The $REDACTED amount for taxes on DU #5 submitted REDACTED was the amount of estimated taxes on the LE disclosed to the borrower. The loan was approved by the underwriter onREDACTED and the closing attorney provided the final tax figure of REDACTED to the closer on REDACTED. Since the additional RE tax amount of $REDACTED did not increase the DTI to greater than REDACTED% or more than REDACTED above the DTI approved by DU, we were with DU's tolerance and resubmission was not required - Seller-REDACTED

Open-Missing Property Tax Cert Missing supporting documentation verifying monthly tax amount of REDACTED per AUS. page 777 - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. Tax information sheet from closing attorney and 1008 with $REDACTED taxes attached. - Seller-REDACTED

Resolved-Property Tax Cert & updated 1008 provided - Due Diligence Vendor-REDACTED

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

N/A

REDACTED

HAWT155980

Closed

FCOM4001

REDACTED

Resolved

1 - Information

Compliance

Disclosure

Missing Proof of Appraisal Delivery or Signed Appraisal Delivery Waiver

Resolved-System verification of appraisal delivery received – resolved.

- Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Counter-The document uploaded does not match this loan number or the borrower name/portion that can be viewed. - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Open- - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Resolved-System verification of appraisal delivery received – resolved.

- Due Diligence Vendor-REDACTED

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

N/A

REDACTED

HAWT156730

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

REDACTED

HAWT156565

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

REDACTED

HAWT154030

Closed

FCRE1168

REDACTED

Resolved

1 - Information

Credit

Insurance

Inadequate Hazard Insurance Coverage - Hazard Insurance Coverage is less than all Subject Lien(s) and Replacement Cost Value Provided

Resolved-RCE received - sufficient insurance coverage verified - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Counter-There is no replacement cost documented in file other than the estimated cost new on the appraisal. There is no replacement cost estimate from the insurer. The coverage amount does not cover the unpaid principal balance or the estimated cost new on the appraisal. (Pg 160 with the REDACTED insurance worksheet indicates a deficiency.) (Reference - B7-3-02, Property Insurance Requirements for One-to Four-Unit Properties) - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. this policy contains “guaranteed replacement cost”. - Seller-REDACTED

Open-Inadequate Hazard Insurance Coverage - Hazard Insurance Coverage Amount of REDACTED is less than all Subject Lien(s) and/or Replacement Cost Estimator is provided but Hazard Insurance Coverage Amount is less than Replacement Cost Value of REDACTED Homeowner insurance policy has dwelling coverage of REDACTED with guaranteed replacement cost coverage but less than Replacement cost estimate of REDACTED . page 162,160 - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Ready for Review-Document Uploaded. this policy contains “guaranteed replacement cost”. - Seller-REDACTED

Resolved-RCE received - sufficient insurance coverage verified - Due Diligence Vendor-REDACTED

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Second Home

Purchase

N/A

REDACTED

HAWT156970

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

REDACTED

HAWT155185

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

REDACTED

HAWT155380

Closed

FCRE1254

REDACTED

Resolved

1 - Information

Credit

Title

Property Title Issue

Resolved-Final title policy with sufficient coverage received - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Open-Lenders title coverage is not sufficient to cover loan amount - pg 67 - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Resolved-Final title policy with sufficient coverage received - Due Diligence Vendor-REDACTED

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

N/A

REDACTED

HAWT155725

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

REDACTED

HAWT157795

Closed

FPRO1253

REDACTED

Resolved

1 - Information

Property

Data

Secondary Valuation or Additional Valuation has not been entered per securitization requirements

Resolved-Post Close Review AVM received

- Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Open-Secondary Valuation or Additional Valuation has not been entered per securitization requirements and CU Score, if present, is greater than 2.5 - Due Diligence Vendor-REDACTED

Open- - Due Diligence Vendor-REDACTED

Open-CU score is REDACTED and FHLMC is Not Eligible. Third party valuation is required for securitization purposes. page 423,425 - Due Diligence Vendor-REDACTED

Open- - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Resolved-Post Close Review AVM received

- Due Diligence Vendor-REDACTED

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Second Home

Purchase

N/A

REDACTED

HAWT157795

Closed

FCRE7497

REDACTED

Resolved

1 - Information

Credit

Missing Doc

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

Resolved-Income calculation received from lender response - Due Diligence Vendor-REDACTED

Ready for Review-Most recent year tax returnREDACTED Schedule E used for rental income cash flow. Rents received REDACTED net rental income. - Seller-REDACTED

Open-REDACTED - Missing supporting documentation to verify rent amount of REDACTED and monthly payment of REDACTED per final 1003. Schedule E provided for the property calculated rent amount as REDACTED . Income worksheet is required to verify this income from Schedule E or a copy of lease agreement if rental income from lease agreement was used instead. page 601,630,691,716 - Due Diligence Vendor-REDACTED

Ready for Review-Most recent year tax return REDACTED 3 Schedule E used for rental income cash flow. Rents received REDACTED net rental income. - Seller-REDACTED

Resolved-Income calculation received from lender response - Due Diligence Vendor-REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Second Home

Purchase

N/A

REDACTED

HAWT157795

Closed

FCRE4805

REDACTED

Resolved

1 - Information

Credit

Eligibility

Trust/POA Does Not Meet Guideline Requirements

Resolved-Trust agreement received - revocable status verified. - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Open-Trust/POA Does Not Meet Guideline Requirements Missing Trust document - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Resolved-Trust agreement received - revocable status verified. - Due Diligence Vendor-REDACTED

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Second Home

Purchase

N/A

REDACTED

HAWT157795

Closed

FCOM4001

REDACTED

Resolved

1 - Information

Compliance

Disclosure

Missing Proof of Appraisal Delivery or Signed Appraisal Delivery Waiver

Resolved-System verification of appraisal delivery received – resolved.

- Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Open- - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Resolved-System verification of appraisal delivery received – resolved.

- Due Diligence Vendor-REDACTED

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Second Home

Purchase

N/A

REDACTED

HAWT155860

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

REDACTED

HAWT158020

Closed

FCOM4001

REDACTED

Resolved

1 - Information

Compliance

Disclosure

Missing Proof of Appraisal Delivery or Signed Appraisal Delivery Waiver

Resolved-System verification of appraisal delivery received – resolved.

- Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Open- - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Resolved-System verification of appraisal delivery received – resolved.

- Due Diligence Vendor-REDACTED

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Second Home

Purchase

N/A

REDACTED

HAWT158020

Closed

FCOM1621

REDACTED

Resolved

1 - Information

Compliance

Missing Doc

Missing Initial Escrow Disclosure

Resolved-Documentation received - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Open-Initial Escrow Account Disclosure is Missing THE INITIAL ESCROW ACCOUNT DISCLOSURE WAS FOUND IN THE FILE ON PAGE 235; HOWEVER, WAS NOT COMPLETED. - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Resolved-Documentation received - Due Diligence Vendor-REDACTED

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Second Home

Purchase

N/A

REDACTED

HAWT154930

Closed

FCRE1342

REDACTED

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 Business Bank Statements Missing

Resolved-Asset report within REDACTED requirements - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. Since this loan is ineligible for delivery to REDACTED due to loan amount and LTV the close by date does not apply (and is not provided). The vendor's asset report is acceptable under REDACTED's standard age of document requirements.

"Asset Verification Reports and Employment and Income Verification Reports: The date of the report must comply with Fannie Mae’s standard age of credit document requirements as outlined in B1-1-03, Allowable Age of Credit Documents and Federal Income Tax Returns." - Seller-REDACTED

Open-Borrower 1 Business Bank Statements Missing Business bank statements within 15 days of note date as required per AUS are not located in file. - Due Diligence Vendor-REDACTED

Resolved-Asset report within REDACTED requirements - Due Diligence Vendor-REDACTED

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

N/A

REDACTED

HAWT158290

Closed

FCRE1440

REDACTED

Waived

2 - Non-Material

Credit

Eligibility

Housing History Does Not Meet Guideline Requirements

Waived-Document Uploaded. Exception in file for no VOR - Due Diligence Vendor-REDACTED

Open-Housing History Does Not Meet Guideline Requirements Missing evidence of housing payment history from REDACTED after borrower's completion of residency as required by guidelines. - Due Diligence Vendor-REDACTED

Waived-Document Uploaded. Exception in file for no VOR - Due Diligence Vendor-REDACTED

Verified this is borrower first professional job since graduation which is allowed per medical mortgage program, DTI of REDACTED % vs. program max of REDACTED% with significant increase in earnings expected, REDACTED FICO - REDACTED

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

Originator Post-Close

Yes

REDACTED

HAWT158290

Closed

FCRE4165

REDACTED

Waived

2 - Non-Material

Credit

Income/Employment

Employment Gaps in Employment Without Sufficient Explanation

Waived-Document Uploaded. Exception form in file to allow no employment gap letter. - Due Diligence Vendor-REDACTED

Ready for Review-Underwriter did not request a gap letter between graduation from REDACTED to employment with REDACTED. Borrower did not enter into an employment contract until REDACTED. REDACTED may have taken time off after school and to search for the best employment opportunity as a REDACTED. - Seller-REDACTED

Open-The borrower’s REDACTED months gap in employment from REDACTED was not addressed in file, violating the REDACTED REDACTED guideline limit. - Due Diligence Vendor-REDACTED

Waived-Document Uploaded. Exception form in file to allow no employment gap letter. - Due Diligence Vendor-REDACTED

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

Originator Post-Close

Yes

REDACTED

HAWT158290

Closed

FCRE8201

REDACTED

Waived

2 - Non-Material

Credit

Eligibility

Loan does not conform to program guidelines

Waived-Exception in file to allow REDACTED income - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. Credit Exception Form attached. - Seller-REDACTED

Open-REDACTEDexception noted on 1008. Screenshot/compensating factors for lender exception needed. - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. Credit Exception Form attached. - Seller-REDACTED

Waived-Exception in file to allow REDACTED income - Due Diligence Vendor-REDACTED

Adequate net worth/liquid assets to cover total debt service for REDACTED months, borrower starting in field with this position-no prior history to verify, borrower guaranteed shifts at hourly rate per income documentation

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

Originator Pre-Close

Yes

REDACTED

HAWT158290

Closed

FCOM4001

REDACTED

Resolved

1 - Information

Compliance

Disclosure

Missing Proof of Appraisal Delivery or Signed Appraisal Delivery Waiver

Resolved-System verification of appraisal delivery received – resolved.

- Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Open- - Due Diligence Vendor-REDACTED

Ready for Review-Document Uploaded. - Seller-REDACTED

Resolved-System verification of appraisal delivery received – resolved.

- Due Diligence Vendor-REDACTED

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase

N/A

REDACTED

HAWT158305

REDACTED

QM: Safe Harbor APOR (APOR SH)

REDACTED

Primary Residence

Purchase