Exhibit 99.3

Schedule 4 - Standard Findings Report

Seller

Loan ID

Seller Loan ID

Investor Loan ID

Queue

Created Date

Last Modified Date

Finding Status

Event Level

Initial Finding Grade

Current/Final Finding Grade

Finding Category

Finding Sub Category

Finding Name

Reviewer Comments

Seller Comments

Finding Resolution

Finding Document

Reviewer Comp Factors

Originator Comp Factors

State

Occupancy

Loan Purpose

Refinance Purpose

Unique Finding ID

Acknowledged / Waived By

Waiver in File?

XXXX

10008142

Closed

2025-12-29 22:45

2026-01-27 15:59

Resolved

1 - Information

Credit

Missing Doc

Evidence of Property Tax Missing

Resolved-The documentation received was sufficient to resolve the finding.
- Due Diligence Vendor-XX/XX/XXXX

Counter-Uploaded are First Payment Letter and Initial Escrow Account Disclosure Statement documentation from Subject Transaction Loan Closing. Page XX XXXX estimated property taxes $X,XXX, which is variance from Settlement Statement. Please provide source document, either Tax Certification or Tax Roll for Annual $X,XXX.XX. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX

Open-Missing Evidence of Property Tax Property Tax as per Tax cert on page#XXX is $X,XXX.X whereas FPL & IEAD shows $X,XXX.XX. Provide updated Tax cert with correct Tax amount. - Due Diligence Vendor-XX/XX/XXXX

Resolved-The documentation received was sufficient to resolve the finding.
- Due Diligence Vendor-XX/XX/XXXX

XXXXX XXXXXXX XXXX XX.pdf

Investment

Refinance

Cash Out - Other

6846251

N/A

XXXX

10008143

Closed

2025-12-25 08:13

2026-01-07 02:04

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 Gap Credit Report is Missing

Resolved-UDM Report within XX days from closing date uploaded, Verified & entered in system - Resolved
- Due Diligence Vendor-XX/XX/XXXX

Resolved-Borrower X Gap Credit Report is not missing. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX

Open-Borrower X Gap Credit Report is Missing Required Borrower Gap Credit report. - Due Diligence Vendor-XX/XX/XXXX

XXXXXX XXX_XXX (XX).pdf

Primary Residence

Purchase

6803093

N/A

XXXX

10008145

Closed

2025-12-17 04:35

2025-12-24 06:46

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 3rd Party VOE Prior to Close Missing

Resolved-Borrower X Xrd Party VOE Prior to Close Was Provided - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX

Open-Borrower X Xrd Party VOE Prior to Close Missing Required Borrower X Xrd Party VOE - Due Diligence Vendor-XX/XX/XXXX

Resolved-Borrower X Xrd Party VOE Prior to Close Was Provided - Due Diligence Vendor-XX/XX/XXXX

XXXXXXX XXXXX.pdf

Primary Residence

Purchase

6658145

N/A

XXXX

10008145

Closed

2025-12-17 02:40

2025-12-23 23:39

Resolved

1 - Information

Credit

Missing Doc

1008 Document is Missing

Resolved-XXXX document provided. - Due Diligence Vendor-XX/XX/XXXX

Resolved-The XXXX document is present in the loan file. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX

Open-The XXXX document is missing from the loan file. The XXXX is missing from the loan file. - Due Diligence Vendor-XX/XX/XXXX

Resolved-XXXX document provided. - Due Diligence Vendor-XX/XX/XXXX

Resolved-The XXXX document is present in the loan file. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXX XXXX.pdf

Primary Residence

Purchase

6657313

N/A

XXXX

10008147

Closed

2025-12-29 21:50

2026-01-07 02:01

Resolved

1 - Information

Credit

Borrower

Discrepancy between 1008 Page Qualifying FICO and actual Qualifying FICO

Resolved-Updated XXXX Document uploaded, Qualifying FICO on the XXXX matches the Qualifying FICO from the Credit Liabilities, Verified - Resolved - Due Diligence Vendor-XX/XX/XXXX

Resolved-Validation Resolved - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. please clarify the XXXX shows fico XXX which matches the credit report. it is in UW comments - Buyer-XX/XX/XXXX

Open-Qualifying FICO on the XXXX Page is '' or blank, but the Qualifying FICO from the Credit Liabilities Page is 'XXX' or blank. Qualifying FICO entries do not match. Please confirm the correct Qualifying FICO value. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXX XXXXX XXXX (XX).pdf

Primary Residence

Purchase

6845939

N/A

XXXX

10008148

Closed

2025-12-19 07:51

2025-12-24 11:42

Waived

2 - Non-Material

Credit

Eligibility

Audited LTV Exceeds Guideline LTV

Waived-Max LTV is XX% per the GL. Formal Waiver in file on page XXX. - Due Diligence Vendor-XX/XX/XXXX

Waived-Audited LTV of XX% exceeds Guideline LTV of XX% The max LTV per the GL is XX%. Formal exception was located in the file on page XXX. - Due Diligence Vendor-XX/XX/XXXX

The XX.XXX% DTI is below the maximum XX% DTI by XX.XXX%. Borrower has been employed at current job for XX years. Borrower has been employed in same career for XX years.

Primary Residence

Refinance

Cash Out - Other

6703716

Originator Pre-Close

Yes

XXXX

10008150

Closed

2025-12-23 00:15

2026-03-03 11:12

Waived

2 - Non-Material

Credit

Deficient Income Documentation

Waived-Exception page #XXX is made for Exceeds maximum X total NSF Limits with at least X. - Due Diligence Vendor-XX/XX/XXXX

Borrower has been employed at current job for X.XX years.
$XXX,XXX.XX reserves exceed the minimum required of $XX,XXX.XX exceeds the minimum by XX.XX months over the required minimum.

Primary Residence

Refinance

Cash Out - Other

6755134

Originator Pre-Close

Yes

XXXX

10008150

Closed

2025-12-24 05:57

2026-01-06 06:50

Resolved

1 - Information

Compliance

Missing Doc

The Deed of Trust is Incomplete

Resolved-Full signed mortgage documentation provided - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX

Open-The Deed of Trust is Incomplete Page XX of the mortgage is missing from the loan file. Please provide. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Full signed mortgage documentation provided - Due Diligence Vendor-XX/XX/XXXX

XX XXXXXX XXXXXXXX - XXXX-XXX XXX.XXX.XXX

Primary Residence

Refinance

Cash Out - Other

6786002

N/A

XXXX

10008150

Closed

2025-12-24 06:42

2025-12-30 08:35

Resolved

1 - Information

Compliance

TRID CD date violation; receipt date of initial Closing Disclosure can't be determined

Resolved- - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX

Open-The initial closing disclosure is missing from the loan file. Please provide. - Due Diligence Vendor-XX/XX/XXXX

XXX XXXXXX XXXXXXXX XXXXXXX XX (XX).XXX

Primary Residence

Refinance

Cash Out - Other

6786530

N/A

XXXX

10008152

Closed

2025-12-30 13:26

2026-01-07 05:43

Resolved

1 - Information

Credit

Missing Doc

1008 Document is Missing

Resolved-The correct Final XXXX was provided. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX

Open-The XXXX document is missing from the loan file. The provided XXXX has an incorrect loan amount ($XXX,XXX), LTV (XX.XXX%), P&I payment ($X,XXX.XX), and DTI (XX.XXX%). Per the Note, the Loan amount is $XXX,XXX. This incorrect loan amount altered the LTV, P&I amount, and DTI. - Due Diligence Vendor-XX/XX/XXXX

Resolved-The correct Final XXXX was provided. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXXX XXXXX XXXX (XX).XXX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

6860000

N/A

XXXX

10008153

Closed

2025-12-14 21:39

2025-12-22 06:21

Resolved

1 - Information

Credit

Missing Doc

Missing Third Party Market Rent Source (IE. 1007, 1025, etc.)

Resolved-Appraisal was provided to support rental amount. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Third Party Market Rent Source (XXXX) uploaded, Verified & entered in system - Resolved
- Due Diligence Vendor-XX/XX/XXXX

Resolved-Validation Resolved - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-market rent estimate should be on appraisal - Buyer-XX/XX/XXXX

Open-Third party market rent estimate is missing, a document establishing third party market rent source is missing from file, such as a XXXX, XXXX, etc. Required XXXX rent Document, - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXX XXXXXXXX XXXXXXXX (XX).XXX

Investment

Purchase

6617457

N/A

XXXX

10008153

Closed

2025-12-14 21:58

2025-12-22 06:04

Resolved

1 - Information

Property

Missing Doc

Missing Primary Appraisal

Resolved-Appraisal was provided - Due Diligence Vendor-XX/XX/XXXX

Resolved-Primary Appraisal uploaded, Verified & entered in system - Resolved
- Due Diligence Vendor-XX/XX/XXXX

Resolved-Validation Resolved - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX

Open-Primary Value has not been selected Missing primary valuation. Unable to locate the appraisal. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXX XXXXXXXX XXXXXXXX (XX).XXX

Investment

Purchase

6617512

N/A

XXXX

10008154

Closed

2025-12-17 15:09

2026-01-09 14:46

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 Gap Credit Report is Missing

Resolved-Borrower X Gap Credit Report is not missing. - Due Diligence Vendor-XX/XX/XXXX

XXXXXX XXX.XXX

Primary Residence

Purchase

6671228

N/A

XXXX

10008154

Closed

2025-12-17 14:22

2025-12-24 10:15

Resolved

1 - Information

Compliance

Missing Doc

The Initial 1003 is Missing

Resolved-The Initial XXXX is Present - Due Diligence Vendor-XX/XX/XXXX

Open-The Initial XXXX is Missing Missing initial application with LO signature. - Due Diligence Vendor-XX/XX/XXXX

Resolved-The Initial XXXX is Present - Due Diligence Vendor-XX/XX/XXXX

Primary Residence

Purchase

6670528

N/A

XXXX

10008155

Closed

2025-12-17 14:50

2025-12-24 09:58

Resolved

1 - Information

Compliance

Missing Doc

The Initial 1003 is Missing

Resolved-The Initial 1003 is Present - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-the initial 1003 is with the "XXXXX initial disclosure package" it is electronically singed. please clear - Buyer-XX/XX/XXXX

Open-The Initial 1003 is Missing Initial 1003 missing LO signature. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-The Initial 1003 is Present - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Primary Residence

Purchase

6670987

N/A

XXXX

10008155

Closed

2025-12-17 04:20

2025-12-24 09:55

Resolved

1 - Information

Credit

Eligibility

Ineligible Housing History per program guidelines

Resolved-Housing History Meets Guideline Requirements - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-AUS is sufficient to show housing history. Please clear. We do not get VOM on bank statement loans - Seller-XX/XX/XXXX

Open-Housing History Does Not Meet Guideline Requirements Missing LOE no primary housing expense XXXX XXXXX XXXXXXXXX XXXXXXX. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-AUS is sufficient to show housing history. Please clear. We do not get VOM on bank statement loans - Seller-XX/XX/XXXX

Resolved-Housing History Meets Guideline Requirements - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Primary Residence

Purchase

6657971

N/A

XXXX

10008155

Closed

2025-12-17 15:33

2025-12-24 09:55

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 Gap Credit Report is Missing

Resolved-Borrower X Gap Credit Report is not missing. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-UDM XX/X/XXXX.  - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded.  - Seller-XX/XX/XXXX

Open-Borrower X Gap Credit Report is Missing Missing Undisclosed Debt Monitoring started.  - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX

Resolved-Borrower X Gap Credit Report is not missing. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-UDM XX/X/XXXX. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

XXXXXXX XXXXXXXXX XXX.XXX

Primary Residence

Purchase

6671707

N/A

XXXX

10008155

Closed

2025-12-17 05:14

2026-01-05 07:45

Resolved

1 - Information

Compliance

HigherPriced:APR

Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming)

Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. (  XX CFR § XXXX.XX(a)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s XXX and the Final Closing disclosure on Pg#’s XXX reflects escrows. Rate lock date was entered correctly – see Pg#’s XXX An interior and exterior appraisal was completed for this property – see pg XX-XX , the appraisal disclosure was provided to the borrower(s)- see Pg#’ XX , and copy of the appraisal was given to the borrower – see Pg#’s XXX for the copy of the disclosure. The loan meets HPML guidelines - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. (  XX CFR § XXXX.XX(a)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s XXX and the Final Closing disclosure on Pg#’s XXX reflects escrows. Rate lock date was entered correctly – see Pg#’s XXX An interior and exterior appraisal was completed for this property – see pg XX-XX , the appraisal disclosure was provided to the borrower(s)- see Pg#’ XX , and copy of the appraisal was given to the borrower – see Pg#’s XXX for the copy of the disclosure. The loan meets HPML guidelines - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(i))  This loan failed the higher-priced mortgage loan test. (  XX CFR § XXXX.XX(a)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing,  escrow disclosures and loan information is on Pg#’s XXX and the Final Closing disclosure on Pg#’s  XXX reflects escrows. Rate lock date was entered correctly – see Pg#’s XXX An interior and exterior appraisal was completed for this property – see pg XX-XX , the appraisal disclosure was provided to the borrower(s)- see Pg#’ XX , and copy of the appraisal was given to the borrower – see Pg#’s XXX for the copy of the disclosure. The loan meets HPML guidelines - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. (  XX CFR § XXXX.XX(a)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s XXX and the Final Closing disclosure on Pg#’s XXX reflects escrows. Rate lock date was entered correctly – see Pg#’s XXX An interior and exterior appraisal was completed for this property – see pg XX-XX , the appraisal disclosure was provided to the borrower(s)- see Pg#’ XX , and copy of the appraisal was given to the borrower – see Pg#’s XXX for the copy of the disclosure. The loan meets HPML guidelines - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. (  XX CFR § XXXX.XX(a)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s XXX and the Final Closing disclosure on Pg#’s XXX reflects escrows. Rate lock date was entered correctly – see Pg#’s XXX An interior and exterior appraisal was completed for this property – see pg XX-XX , the appraisal disclosure was provided to the borrower(s)- see Pg#’ XX , and copy of the appraisal was given to the borrower – see Pg#’s XXX for the copy of the disclosure. The loan meets HPML guidelines - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(i))  This loan failed the higher-priced mortgage loan test. (  XX CFR § XXXX.XX(a)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing,  escrow disclosures and loan information is on Pg#’s XXX and the Final Closing disclosure on Pg#’s  XXX reflects escrows. Rate lock date was entered correctly – see Pg#’s XXX An interior and exterior appraisal was completed for this property – see pg XX-XX , the appraisal disclosure was provided to the borrower(s)- see Pg#’ XX , and copy of the appraisal was given to the borrower – see Pg#’s XXX for the copy of the disclosure. The loan meets HPML guidelines - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Primary Residence

Purchase

6658549

N/A

XXXX

10008156

Closed

2026-01-19 07:45

2026-02-03 15:07

Resolved

1 - Information

Compliance

HigherPriced:APR

Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming)

Resolved-The loan meets HPML guidelines - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. ( XX CFR § XXXX.XX(a)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s __XXX__ and the Final Closing disclosure on Pg#’s __XXX__ reflects escrows. Rate lock date was entered correctly – see Pg#’s __XXX___ An interior and exterior appraisal was completed for this property – see pg _XX___ , the appraisal disclosure was provided to the borrower(s)- see Pg#’s_XXX__ , and copy of the appraisal was given to the borrower – see Pg#’s ___XX__ for the copy of the disclosure. The loan meets HPML guidelines

- XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-The loan meets HPML guidelines - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. ( XX CFR § XXXX.XX(a)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s __XXX__ and the Final Closing disclosure on Pg#’s __XXX__ reflects escrows. Rate lock date was entered correctly – see Pg#’s __XXX___ An interior and exterior appraisal was completed for this property – see pg _XX___ , the appraisal disclosure was provided to the borrower(s)- see Pg#’s_XXX__ , and copy of the appraisal was given to the borrower – see Pg#’s ___XX__ for the copy of the disclosure. The loan meets HPML guidelines

- XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Primary Residence

Purchase

7164297

N/A

XXXX

10008157

Closed

2025-12-16 21:13

2025-12-24 06:06

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 Gap Credit Report is Missing

Resolved-Borrower X Gap Credit Report provided. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-Borrower X Gap Credit Report is not missing. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX

Open-Borrower X Gap Credit Report is Missing Borrower X and X Gap credit report is missing - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-Borrower X Gap Credit Report provided. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-Borrower X Gap Credit Report is not missing. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

XXXX XXX.XXX

Primary Residence

Purchase

6655426

N/A

XXXX

10008157

Closed

2025-12-23 23:47

2025-12-24 06:06

Resolved

1 - Information

Credit

Closing

Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date)

Resolved-Borrower X Gap Credit Report is not expired. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Open-Borrower X Gap Credit Report is Expired (Greater than XX days from Closing/Settlement Date). - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-Borrower X Gap Credit Report is not expired. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Primary Residence

Purchase

6780762

N/A

XXXX

10008157

Closed

2025-12-23 23:47

2025-12-24 06:06

Resolved

1 - Information

Credit

Closing

Borrower 2 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date)

Resolved-Borrower X Gap Credit Report is not expired. - Due Diligence Vendor-XX/XX/XXXX

Open-Borrower X Gap Credit Report is Expired (Greater than XX days from Closing/Settlement Date). - Due Diligence Vendor-XX/XX/XXXX

Resolved-Borrower X Gap Credit Report is not expired. - Due Diligence Vendor-XX/XX/XXXX

Primary Residence

Purchase

6780763

N/A

XXXX

10008157

Closed

2025-12-16 22:34

2025-12-24 11:55

Resolved

1 - Information

Compliance

HigherPriced:APR

Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming)

Resolved-. - Due Diligence Vendor-XX/XX/XXXX

Open- - Due Diligence Vendor-XX/XX/XXXX

Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. ( XX CFR § XXXX.XX(a)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s XXX and the Final Closing disclosure on Pg#’s XXX reflects escrows. Rate lock date was entered correctly – see Pg#’s XXX An interior and exterior appraisal was completed for this property – see pg XX-XX, the appraisal disclosure was provided to the borrower(s)- see Pg#’sXX , and copy of the appraisal was given to the borrower – see Pg#’s XXX for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-XX/XX/XXXX

Open- - Due Diligence Vendor-XX/XX/XXXX

Open- - Due Diligence Vendor-XX/XX/XXXX

Open- - Due Diligence Vendor-XX/XX/XXXX

Open- - Due Diligence Vendor-XX/XX/XXXX

Open- - Due Diligence Vendor-XX/XX/XXXX

Open- - Due Diligence Vendor-XX/XX/XXXX

Resolved-. - Due Diligence Vendor-XX/XX/XXXX

Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. ( XX CFR § XXXX.XX(a)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s XXX and the Final Closing disclosure on Pg#’s XXX reflects escrows. Rate lock date was entered correctly – see Pg#’s XXX An interior and exterior appraisal was completed for this property – see pg XX-XX, the appraisal disclosure was provided to the borrower(s)- see Pg#’sXX , and copy of the appraisal was given to the borrower – see Pg#’s XXX for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-XX/XX/XXXX

Primary Residence

Purchase

6656261

N/A

XXXX

10008158

Closed

2025-12-17 09:19

2026-01-05 08:01

Resolved

1 - Information

Credit

Eligibility

Ineligible Housing History per program guidelines

Resolved-Housing History Meets XXXXXXXXX Requirements - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-approved AUS in file should suffice - Buyer-XX/XX/XXXX

Open-Housing History Does Not Meet XXXXXXXXX Requirements The borrower was living in a rental property; however, we are unable to verify the rent history. A Verification of Rent (VOR) or the most recent XX months of rent payment history is required to meet GL requirements. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Housing History Meets XXXXXXXXX Requirements - Due Diligence Vendor-XX/XX/XXXX

Primary Residence

Purchase

6662666

N/A

XXXX

10008159

Closed

2025-12-17 05:17

2026-01-15 14:12

Resolved

1 - Information

Compliance

TRID

Federal - Corrected Closing Disclosure (Loan Product)(Last CD Received Date)

Resolved-The documentation was sufficient to resolve the finding. - Due Diligence Vendor-XX/XX/XXXX

Resolved- - Due Diligence Vendor-XX/XX/XXXX

Resolved- - Due Diligence Vendor-XX/XX/XXXX

Open- - Due Diligence Vendor-XX/XX/XXXX

Open-The last Closing Disclosure Received Date (XXXX-XX-XX) is not at least X business days before the consummation date of (XXXX-XX-XX). The (Fixed Rate) disclosed Loan Product on the last Closing Disclosure does not match the system calculated (Fixed Rate) Loan Product. Under Regulation Z, if the Loan Product is inaccurate, a consumer must receive corrected Closing Disclosures no later than X business days before the consummation date of (XXXX-XX-XX). If a corrected Closing Disclosure is not provided in person, a consumer is deemed to have received it X business days after the corrected Closing Disclosure is mailed or delivered, unless there is evidence of earlier receipt by a consumer. (XX CFR XXXX.XX(f)(X)(ii)(B); OSC XX(f)(X)(ii)-X) The closing disclosure in the file shows closing date as XX/X/XXXX. The issue date is XX/XX/XXXX which is outside of the X day period. Please provide settlement statement and post closing closing disclosure. - Due Diligence Vendor-XX/XX/XXXX

Open- - Due Diligence Vendor-XX/XX/XXXX

Open- - Due Diligence Vendor-XX/XX/XXXX

Resolved-The documentation was sufficient to resolve the finding. - Due Diligence Vendor-XX/XX/XXXX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

6658583

N/A

XXXX

10008159

Closed

2025-12-17 04:20

2025-12-23 23:58

Resolved

1 - Information

Credit

Title

Title Coverage is Less than Subject Lien(s) Total

Resolved-Title Coverage Amount of $XXXXXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX

Open-Title Coverage Amount of $XXXXXXX is Less than Loan Amount Title coverage is $X,XXX,XXX and the loan amount is $X,XXX,XXX. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Title Coverage Amount of $XXXXXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-XX/XX/XXXX

XXXXXX XXXX XXXXXXXX XXXX XX XXXXX XXX (X-X-XX)(X)-XX.XXX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

6657976

N/A

XXXX

10008159

Closed

2025-12-17 05:17

2025-12-18 09:47

Resolved

1 - Information

Compliance

TRID Tolerance

Insufficient Tolerance Cure (50001028)

Resolved- - Due Diligence Vendor-XX/XX/XXXX

Resolved- - Due Diligence Vendor-XX/XX/XXXX

Open- - Due Diligence Vendor-XX/XX/XXXX

Open- - Due Diligence Vendor-XX/XX/XXXX

Open- - Due Diligence Vendor-XX/XX/XXXX

Open- - Due Diligence Vendor-XX/XX/XXXX

Open-A Lender Credit for Excess Charges of ($X.XX), Principal Reduction for Excess Charges of ($X.XX), and general or specific lender credit increases of ($XX.XX) were applied to the total fee variance of ($XX.XX) between the baseline disclosure and the last Closing Disclosure. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. No COC or lender credits provided to cure the tolerance. - Due Diligence Vendor-XX/XX/XXXX

Open- - Due Diligence Vendor-XX/XX/XXXX

Resolved- - Due Diligence Vendor-XX/XX/XXXX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

6658584

N/A

XXXX

10008159

Closed

2025-12-17 05:17

2025-12-18 09:10

Resolved

1 - Information

Compliance

Tolerance:Disclosure

Federal - Inaccurate Loan Product - Redisclosure and Waiting Period

Resolved- - Due Diligence Vendor-XX/XX/XXXX

Open- - Due Diligence Vendor-XX/XX/XXXX

Rescinded-The Loan Product of (Fixed Rate) on the Closing Disclosure is inaccurate. The actual Loan Product is (Fixed Rate). Under Regulation Z, if the Loan Product is inaccurate, a consumer must receive corrected Closing Disclosures no later than X business days before the consummation date of (XXXX-XX-XX). If a corrected Closing Disclosure is delivered to a consumer other than in person, a consumer is deemed to have received it X business days after the corrected Closing Disclosure is mailed or delivered, unless there is evidence of earlier receipt by a consumer. (XX CFR XXXX.XX(f)(X)(ii)(A)); XXXX.XX(f)(X)(iii); XXXX.XX(f)(X)(ii)(B)) Open finding for this - Due Diligence Vendor-XX/XX/XXXX

Open- - Due Diligence Vendor-XX/XX/XXXX

Open- - Due Diligence Vendor-XX/XX/XXXX

Rescinded-The Loan Product of (Fixed Rate) on the Closing Disclosure is inaccurate. The actual Loan Product is (Fixed Rate). Under Regulation Z, if the Loan Product is inaccurate, a consumer must receive corrected Closing Disclosures no later than X business days before the consummation date of (XXXX-XX-XX). If a corrected Closing Disclosure is delivered to a consumer other than in person, a consumer is deemed to have received it X business days after the corrected Closing Disclosure is mailed or delivered, unless there is evidence of earlier receipt by a consumer. (XX CFR XXXX.XX(f)(X)(ii)(A)); XXXX.XX(f)(X)(iii); XXXX.XX(f)(X)(ii)(B)) Open finding for this - Due Diligence Vendor-XX/XX/XXXX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

6658582

N/A

XXXX

10008160

Closed

2025-12-29 23:00

2025-12-30 13:27

Resolved

1 - Information

Compliance

HigherPriced:APR

Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming)

Primary Residence

Purchase

6846393

N/A

XXXX

10008161

Closed

2025-12-17 03:53

2025-12-23 09:36

Resolved

1 - Information

Compliance

Data

The Initial 1003 is Incomplete

Resolved-LO electronic signature XX/X/XXXX. - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. initial XXXX is in the "initial disclosers package that are signed electronically. attached here but should have in file - XXXXX-XX/XX/XXXX

Open-LO sign missing from Initial XXXX document. - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX

Resolved-LO electronic signature XX/X/XXXX. - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX

XXXX XXXXXX - XXXXXXX XXXXXXXXXXX - XXXX-XX-XXTXXXXXX.XXX.pdf

Primary Residence

Purchase

6657770

N/A

XXXX

10008161

Closed

2025-12-16 22:11

2025-12-23 04:44

Resolved

1 - Information

Credit

Eligibility

Ineligible Housing History per program guidelines

Resolved-Credit report shows XX months of housing history & Payments through XXX XXXX covering XX/XXXX-XX/XXXX XX months. - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX

Ready for Review-Borrower obtained current mortgage in XXX XXXX and reporting on the Credit Report. First payment due date was XXX XXXX confirmed with the note, and we have payments through XXX XXXX covering XX/XXXX-XX/XXXX XX months. - XXXXX-XX/XX/XXXX

Open-Housing History Does Not Meet XXXXXXXXX Requirements Borrower currently living for own in current address for X year. Need VOM or property report to verify XX Months Housing History.
- XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX

Resolved-Credit report shows XX months of housing history & Payments through XXX XXXX covering XX/XXXX-XX/XXXX XX months. - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX

Primary Residence

Purchase

6655831

N/A

XXXX

10008161

Closed

2025-12-17 01:31

2025-12-23 04:19

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 Gap Credit Report is Missing

Resolved-Borrower X Gap Credit Report provided. - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX

Resolved-Borrower X Gap Credit Report is not missing. - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. - XXXXX-XX/XX/XXXX

Open-Borrower X Gap Credit Report is Missing from file. - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX

Resolved-Borrower X Gap Credit Report provided. - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX

Resolved-Borrower X Gap Credit Report is not missing. - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX

XXXX XXXXX XXXXXX.pdf

Primary Residence

Purchase

6657068

N/A

XXXX

10008161

Closed

2025-12-16 23:19

2025-12-23 09:40

Resolved

1 - Information

Compliance

HigherPriced:APR

Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming)

Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal XXXX threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX XXX XXXXXX.X(X)(X)(X)) This loan failed the higher-priced mortgage loan test. ( XX XXX § XXXXXX.X(X)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in XXXXXXXXX X. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX XXX §XXXXXX.X, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXXX Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s XXX and the Final Closing disclosure on Pg#’s XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#’s XXX. An interior and exterior appraisal was completed for this property – see pg XX, the appraisal disclosure was provided to the borrower(s)- see Pg#’s XXX, and confirmation the appraisal was delivered to the borrower – see Pg#’s XXX. The loan meets XXXX guidelines, resolved. - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX

Open- - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX

Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal XXXX threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX XXX XXXXXX.X(X)(X)(X)) This loan failed the higher-priced mortgage loan test. ( XX XXX § XXXXXX.X(X)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in XXXXXXXXX X. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX XXX §XXXXXX.X, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXXX Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s XXX and the Final Closing disclosure on Pg#’s XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#’s XXX. An interior and exterior appraisal was completed for this property – see pg XX, the appraisal disclosure was provided to the borrower(s)- see Pg#’s XXX, and confirmation the appraisal was delivered to the borrower – see Pg#’s XXX. The loan meets XXXX guidelines, resolved.
- XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX

Open- - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX

Open- - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX

Open- - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX

Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal XXXX threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX XXX XXXXXX.X(X)(X)(X)) This loan failed the higher-priced mortgage loan test. ( XX XXX § XXXXXX.X(X)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in XXXXXXXXX X. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX XXX §XXXXXX.X, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXXX Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s XXX and the Final Closing disclosure on Pg#’s XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#’s XXX. An interior and exterior appraisal was completed for this property – see pg XX, the appraisal disclosure was provided to the borrower(s)- see Pg#’s XXX, and confirmation the appraisal was delivered to the borrower – see Pg#’s XXX. The loan meets XXXX guidelines, resolved. - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX

Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal XXXX threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX XXX XXXXXX.X(X)(X)(X)) This loan failed the higher-priced mortgage loan test. ( XX XXX § XXXXXX.X(X)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in XXXXXXXXX X. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX XXX §XXXXXX.X, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXXX Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s XXX and the Final Closing disclosure on Pg#’s XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#’s XXX. An interior and exterior appraisal was completed for this property – see pg XX, the appraisal disclosure was provided to the borrower(s)- see Pg#’s XXX, and confirmation the appraisal was delivered to the borrower – see Pg#’s XXX. The loan meets XXXX guidelines, resolved.
- XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX

Primary Residence

Purchase

6656458

N/A

XXXX

10008162

Closed

2025-12-19 08:33

2026-01-05 13:45

Resolved

1 - Information

Credit

Title

Title Coverage is Less than Subject Lien(s) Total

Resolved- - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX

Ready for Review-Valid title showing loan amount of $XXX,XXX was provided - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. - XXXXX-XX/XX/XXXX

Open-Title Coverage Amount of $XXXXXX is Less than Loan Amount The loan amount is $XXX,XXX, but the title commitment only shows coverage for $XXX,XXX. - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX

XXXX XXXX XXXXX.pdf

Investment

Refinance

Cash Out - Other

6704627

N/A

XXXX

10008165

Closed

2025-12-30 02:40

2026-01-22 08:42

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 Citizenship Identification Documentation Missing

Resolved-The documentation received was sufficient to resolve the finding. HXB Visa and letter - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX

Resolved-Validation Resolved or Not Applicable - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. - XXXXX-XX/XX/XXXX

Counter-Borrower is a non-permanent resident a visa is required for this borrower that will not expire within X months from close date, if less than X months provide evidence that an extension has been requested. The documentation provided shows that it will expire X/XX/XXXX. - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. - XXXXX-XX/XX/XXXX

Open-Borrower X Non-US Citizen Identification Document Missing. Please provide acceptable documentation. Borrower X Non-US citizen Identification document missing. - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX

XXXXXXXXXX XXXXXXXXX XXXXXX XXXXXX (XXXXX XXXX) (X).pdf

XXXXXXXXXX XXXX XXXXXX.pdf

Investment

Purchase

6847586

N/A

XXXX

10008168

Closed

2025-12-19 04:55

2026-03-03 11:44

Waived

2 - Non-Material

Credit

Income/Employment

Income and Employment Do Not Meet Guidelines

Waived-Exception provided to use Personal Bank Statements instead of Business bank statement for CPA Gross Receipt Program provided, page XXX. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Rescinded-Income and Employment Do Not Meet Guidelines CPA Gross Receipts program. Allowed per guidelines. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

XX.XX% LTV is below the maximum XX% LTV by X.XX%.
$XX,XXX reserves exceed the minimum required of $XX,XXX exceeds the minimum by X months over the required minimum.

Primary Residence

Refinance

Cash Out - Other

6701288

Originator Pre-Close

Yes

XXXX

10008168

Closed

2025-12-18 22:25

2025-12-23 04:22

Resolved

1 - Information

Credit

Missing Doc

Title Document Missing

Resolved-Title Document Provided. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-Title Document is fully Present - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. - XXXXX-XX/XX/XXXX

Open-Title Document is missing The initial Title Report / Title Commitment is missing from the file. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-Title Document Provided. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-Title Document is fully Present - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

XXXXXX XXXXXX XXXXX XXXXXXXXXX _ XXXXXX - XXXX-XX-XXTXXXXXX.XXX.pdf

Primary Residence

Refinance

Cash Out - Other

6699259

N/A

XXXX

10008169

Closed

2025-12-25 00:27

2026-01-06 13:44

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 Citizenship Identification Documentation Missing

Resolved-Employment authorization and SSI card was provided. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-Validation Resolved or Not Applicable - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. - XXXXX-XX/XX/XXXX

Counter-Please provide valid VISA that has more than X months remaining from closing date. Please refer to the XX for Non-Permanent Resident Alien. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. please clarify what document you are looking for. right to work SS card provided - XXXXX-XX/XX/XXXX

Open-Borrower X Non-US Citizen Identification Document Missing. Please provide acceptable documentation. Borrower X Non-US Citizen Identification is missing from file. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-Employment authorization and SSI card was provided. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-Validation Resolved or Not Applicable - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

XXXXX XXXXXX XXXXXXXX.pdf

XXXX EAD XXXX.pdf

XXXX EAD XXXXX.pdf

Investment

Purchase

6802530

N/A

XXXX

10008172

Closed

2025-12-30 14:43

2026-01-07 08:30

Resolved

1 - Information

Credit

Missing Doc

1008 Document is Missing

Resolved-The XXXX document is present in the loan file. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX
Ready for Review-Document Uploaded. here is the XXXX. i show it was sent with the loan delivery. please clarify if you are asking for documentation. the XXXX addresses its a XX month bank statment - XXXXXX-XX/XX/XXXX
Open-The XXXX document is missing from the loan file. Page XXX Approval Certificate, Page XXX Exception, Page XXX Rate Lock and Page XXX XXXX show Income Documentation Type as XX month bank statement. Page XXX Form Real Estate Flipper Income totaling $XX,XXX matches XXXX. Also, documentation shows Alta Statements for each property shown listed Real Estate Flipper Income Calculator. G/L's show separate requirements for Alt Doc Bank Statement vs Real Estate Flipper. Please clarify if XXXX XXXX or XX month Bank Statement. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. here is the XXXX. i show it was sent with the loan delivery. please clarify if you are asking for documentation. the XXXX addresses its a XX month bank statment - XXXXXX-XX/XX/XXXX

Resolved-The XXXX document is present in the loan file. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

XXXX FINAL XXXX (XX).pdf

Primary Residence

Refinance

No Cash Out - Borrower Initiated

6861396

N/A

XXXX

10008172

Closed

2025-12-30 14:17

2026-01-07 08:23

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 Gap Credit Report is Missing

Resolved-Borrower X Gap Credit Report is not missing. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX

Open-Borrower X Gap Credit Report is Missing Missing Undisclosed Debt Monitoring. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX

Resolved-Borrower X Gap Credit Report is not missing. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

XXXXX UDN.pdf

Primary Residence

Refinance

No Cash Out - Borrower Initiated

6860883

N/A

XXXX

10008172

Closed

2025-12-30 02:23

2025-12-30 15:05

Waived

2 - Non-Material

Credit

Eligibility

Audited LTV Exceeds Guideline LTV

Waived-Audited LTV Exceeds Guideline LTV Exception Approved XX% LTV - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Comp Factors:
(X) XX+ months Reserves Vs Minimum X months required reserves
(X) DTI XX% vs Maximum DTI XX%

Primary Residence

Refinance

No Cash Out - Borrower Initiated

6847457

Originator Pre-Close

Yes

XXXX

10008172

Closed

2025-12-30 03:42

2026-01-07 08:39

Resolved

1 - Information

Compliance

HigherPriced:APR

Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming)

Resolved-The loan's (X.XXX%) APR equals or exceeds the XXXXXXX XXXX threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable XXXX for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(X)) This loan failed the higher-priced mortgage loan test. ( XX CFR § XXXX.XX(a)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in XXXXXXXXXX X. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXXX Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow . Rate lock date was entered correctly – see Pg#’s XXX An interior and exterior appraisal was completed for this property – see pg XX, the appraisal disclosure was provided to the borrower(s)- see Pg#’s X, and copy of the appraisal was given to the borrower – see Pg#’s X for the copy of the disclosure. The loan meets XXXX guidelines. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-The loan's (X.XXX%) APR equals or exceeds the XXXXXXX XXXX threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable XXXX for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(X)) This loan failed the higher-priced mortgage loan test. ( XX CFR § XXXX.XX(a)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in XXXXXXXXXX X. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXXX Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow . Rate lock date was entered correctly – see Pg#’s XXX An interior and exterior appraisal was completed for this property – see pg XX, the appraisal disclosure was provided to the borrower(s)- see Pg#’s X, and copy of the appraisal was given to the borrower – see Pg#’s X for the copy of the disclosure. The loan meets XXXX guidelines - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-The loan's (X.XXX%) APR equals or exceeds the XXXXXXX XXXX threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable XXXX for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(X)) This loan failed the higher-priced mortgage loan test. ( XX CFR § XXXX.XX(a)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in XXXXXXXXXX X. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXXX Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow . Rate lock date was entered correctly – see Pg#’s XXX An interior and exterior appraisal was completed for this property – see pg XX, the appraisal disclosure was provided to the borrower(s)- see Pg#’s X, and copy of the appraisal was given to the borrower – see Pg#’s X for the copy of the disclosure. The loan meets XXXX guidelines. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-The loan's (X.XXX%) APR equals or exceeds the XXXXXXX XXXX threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable XXXX for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(X)) This loan failed the higher-priced mortgage loan test. ( XX CFR § XXXX.XX(a)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in XXXXXXXXXX X. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXXX Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow . Rate lock date was entered correctly – see Pg#’s XXX An interior and exterior appraisal was completed for this property – see pg XX, the appraisal disclosure was provided to the borrower(s)- see Pg#’s X, and copy of the appraisal was given to the borrower – see Pg#’s X for the copy of the disclosure. The loan meets XXXX guidelines - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

6847955

N/A

XXXX

10008174

Closed

2025-12-17 10:18

2026-01-14 05:59

Resolved

1 - Information

Credit

Assets

Asset 2 Less Than 2 Months Verified

Resolved-Bank statement was provided to cover the X months requirement. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded.  - Buyer-XX/XX/XXXX

Counter-Please provide another month bank statement for the XXXXXXXXXX XXXX account ending #XXXX. The only month provided was X/XX/XXXX. Per XX, X months of statements are required.  - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded.  - Buyer-XX/XX/XXXX

Open-Unable to locate another month bank statement for the XXXXXXXXXX XXXX account #XXXX. Per XX, X months of statements are required. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Bank statement was provided to cover the X months requirement. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXXXXXXXXXXXXXXXXXXXX.pdf

XXXXXXXX XXXXX XXXXXXXXXX (XX).pdf

Primary Residence

Purchase

6664805

N/A

XXXX

10008174

Closed

2025-12-17 03:53

2026-01-02 06:00

Resolved

1 - Information

Compliance

Data

The Initial 1003 is Incomplete

Resolved-Electronic consent uploaded - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX

Open-LO sign missing from Initial XXXX document. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Electronic consent uploaded - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXX X XXXXXXX.pdf

Primary Residence

Purchase

6657769

N/A

XXXX

10008174

Closed

2025-12-17 01:08

2026-01-02 05:59

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 Gap Credit Report is Missing

Resolved-UDN was updated dated XX/X/XXXX. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX

Counter-Per the XX, a UDM (Gap) report is required on all loans. The credit report attached to this finding is the credit report used in approval. Not the credit report pulled prior XX days to closing. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. here is the credit report. not sure of a "gap" report needed. please clarify . - Seller-XX/XX/XXXX

Open-Borrower X Gap Credit Report is Missing from file. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX

Ready for Review-Document Uploaded. here is the credit report. not sure of a "gap" report needed. please clarify . - Seller-XX/XX/XXXX

Resolved-UDN was updated dated XX/X/XXXX. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXX XXXXX XXXXXX (XX).pdf

XXXXXXXX XXX.pdf

Primary Residence

Purchase

6656970

N/A

XXXX

10008174

Closed

2025-12-17 03:02

2025-12-17 10:47

Resolved

1 - Information

Compliance

HigherPriced:APR

Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming)

Primary Residence

Purchase

6657430

N/A

XXXX

10008177

Closed

2026-03-03 12:08

2026-03-03 12:12

Waived

2 - Non-Material

Credit

Eligibility

Loan does not conform to program guidelines

Waived-UW Exception for Vesting in LLC provided. Business entity documentation does not specify purpose as Real Estate Acquisition. - Due Diligence Vendor-XX/XX/XXXX

Open-Loan does not conform to program guidelines Business entity documentation does not specify Real Estate Acquisition. - Due Diligence Vendor-XX/XX/XXXX

Waived-UW Exception for Vesting in LLC provided. Business entity documentation does not specify purpose as Real Estate Acquisition. - Due Diligence Vendor-XX/XX/XXXX

XXX Representative credit score exceeds the minimum required of XXX by XXX points
XxXX mortgage history for XX months.

Investment

Refinance

Cash Out - Other

7902495

Originator Pre-Close

Yes

XXXX

10008177

Closed

2025-12-15 03:58

2025-12-24 00:02

Resolved

1 - Information

Credit

Missing Doc

Hazard Insurance Policy is Missing

Resolved-Hazard Insurance Policy provided. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX

Open-Missing Hazard Insurance Policy Final Hazard insurance document is missing from file. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Hazard Insurance Policy provided. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-XX/XX/XXXX

XXXXXXX XXX.pdf

Investment

Refinance

Cash Out - Other

6618803

N/A

XXXX

10008180

Closed

2025-12-30 09:55

2026-01-13 08:30

Resolved

1 - Information

Property

Missing Doc

Missing Primary Appraisal

Resolved-Validation Resolved - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX

Counter-File is missing the primary valuation. XXXX is the Income appraisal type. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-please clarify. i don't know of a document XXXX - Buyer-XX/XX/XXXX

Open-Primary Value has not been selected Primary Value XXXX document is missing from file. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Validation Resolved - Due Diligence Vendor-XX/XX/XXXX

XXXXX XXXXXXXXX XXXXXXXX (XX).pdf

Investment

Refinance

Cash Out - Other

6856144

N/A

XXXX

10008180

Closed

2025-12-30 09:11

2026-01-07 06:50

Resolved

1 - Information

Credit

Title

Title Coverage is Less than Subject Lien(s) Total

Resolved-Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX

Open-Title Coverage Amount of $XXXXXX is Less than Loan Amount Title Coverage Amount of $XXX,XXX is Less than Loan Amount $XXX,XXX - Due Diligence Vendor-XX/XX/XXXX

Resolved-Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX

Investment

Refinance

Cash Out - Other

6853883

N/A

XXXX

10008183

Closed

2025-12-17 10:16

2026-01-21 08:06

Resolved

1 - Information

Compliance

Mavent

NJ Fee Not Allowed- Document Preparation Fee (Fee ID: 104)

Resolved-Cure provided - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. cure attached - Seller-XX/XX/XXXX

Open-“Per N.J. Admin. Code § X:X-XX.X – Fees (X) xv. Fees not included among the above third party fees may be charged provided that prior written approval is obtained from the Department. The Department will only approve third party fees which are of benefit to the borrower and represent a cost not associated with the lender's overhead. Accordingly, the Department will not approve fees for document preparation, processing, underwriting, file updates, lender reviews, copying, funding, and miscellaneous.” May be cured if the client refunds the fee violation and provides XXXXXX a copy of the check, PCCD, LOE, and proof of delivery. - Due Diligence Vendor-XX/XX/XXXX

Open- - Due Diligence Vendor-XX/XX/XXXX

Open- - Due Diligence Vendor-XX/XX/XXXX

Open- - Due Diligence Vendor-XX/XX/XXXX

Open- - Due Diligence Vendor-XX/XX/XXXX

Open- - Due Diligence Vendor-XX/XX/XXXX

Open- - Due Diligence Vendor-XX/XX/XXXX

Open- - Due Diligence Vendor-XX/XX/XXXX

Open-Section X:X-XX.X of the XXXX Mortgage Loans, Fees, Obligations Provisions (N.J.A.C. X:X-XX.X) does not allow Document Preparation Fee (Fee ID: XXX) to be charged to the Borrower in NJ. - Due Diligence Vendor-XX/XX/XXXX

Open- - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. cure attached - Seller-XX/XX/XXXX

Resolved-Cure provided - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXXXXXXXXXX

Investment

Refinance

Cash Out - Other

6664708

N/A

XXXX

10008183

Closed

2025-12-17 00:11

2025-12-22 02:07

Resolved

1 - Information

Credit

Eligibility

Ineligible Housing History per program guidelines

Resolved-AUS present in file on page #XXX, as per guidelines page #XX AUS can be used in lieu of documenting private housing payments, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-there is an AUS in the file for housing history. Not need to verify the VOR when AUS is provided. - Buyer-XX/XX/XXXX

Open-Housing History Does Not Meet Guideline Requirements Required VOR For Borrower's Primary Residency history. - Due Diligence Vendor-XX/XX/XXXX

Investment

Refinance

Cash Out - Other

6656707

N/A

XXXX

10008184

Closed

2026-02-05 15:04

2026-02-23 07:50

Resolved

1 - Information

Compliance

TRID

Final CD: Closing Costs Detail number of days interest paid is missing or inaccurate

Resolved-Rec'd corrected PCCD/resolved - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX

Counter- - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Per the borrower and notary signature dates the transaction closed on X/XX/XXXX, but per diem interest started X/XX. Provide a PCCD reflecting correct closing and per diem dates - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-hi please explain. Are you referring to the disbursement date? - Buyer-XX/XX/XXXX

Open-Final CD reflects per diem begins X/XX/XX which is prior to closing date X/XX/XX. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Rec'd corrected PCCD/resolved - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX

XXXXXXXXXXXXXXXXXXXXXX

XXXXXXXXXXXXXXXXXX

Investment

Refinance

Cash Out - Home Improvement/Reno

7477345

N/A

XXXX

10008185

Closed

2026-01-19 22:01

2026-02-03 13:26

Resolved

1 - Information

Credit

Missing Doc

Missing Homeowners Association Questionnaire

Resolved-Received Type Q - Limited Review: Established project. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX

Open-HOA Questionnaire is Missing or Partial. Condo Questionnaire is Missing from file. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Received Type Q - Limited Review: Established project. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXXXXXXXXXXXXXXXXXXXXXX

Investment

Purchase

7172893

N/A

XXXX

10008185

Closed

2026-01-22 07:44

Waived

2 - Non-Material

Credit

Eligibility

Condo project is ineligible

Waived-Exception made for investor concentration above XX%. - Due Diligence Vendor-XX/XX/XXXX

Borrower(s) have XXX.XX months Reserves. Minimum required per guidelines is X months.
DSCR is X.XX. Minimum required per guidelines is X.
Credit Score is XXX. Minimum required per guidelines is XXX.
LTV is XX.XX%. Maximum allowed per guidelines is XX%.

Investment

Purchase

7240401

Originator Pre-Close

Yes

XXXX

10008185

Closed

2026-01-22 07:43

Waived

2 - Non-Material

Credit

Eligibility

Loan does not conform to program guidelines

Waived-Loan does not conform to program guidelines Exception made for utilizing two transferred appraisals. - Due Diligence Vendor-XX/XX/XXXX

Investment

Purchase

7240392

Originator Pre-Close

Yes

XXXX

10008186

Closed

2026-01-05 08:14

2026-01-14 06:54

Resolved

1 - Information

Credit

Eligibility

Business Entity Formation Doc Missing

Resolved-Validation Resolved' Please provide Articles of Incorporation or comparable documents. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX

Open-Entity Formation Doc Indicator is Missing. Please provide Articles of Incorporation, Secretary of State, etc. for the entity XXXXXXXXXX XXXXXXXXXXX, XXX. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Validation Resolved' Please provide Articles of Incorporation or comparable documents. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXX XXXXXXXXX XXXXXXXX (XX).pdf

Investment

Refinance

Cash Out - Other

6913694

N/A

XXXX

10008188

Closed

2026-01-08 03:42

2026-01-15 07:07

Resolved

1 - Information

Credit

Missing Doc

HO6 Master Insurance Policy is Missing

Resolved-HO-X Master Insurance Policy is fully present - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX

Counter-Copy of Master Condo Association Policy missing - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX

Open-Missing HO-X Master Insurance Policy - Due Diligence Vendor-XX/XX/XXXX

Resolved-HO-X Master Insurance Policy is fully present - Due Diligence Vendor-XX/XX/XXXX

XXXXXXX XXXXXXXXX - XXXX-XX-XXTXXXXXX.XXX.pdf

XXXXXXX XXXXXX XXXXXX (X).pdf

Investment

Purchase

6976807

N/A

XXXX

10008192

Closed

2025-12-15 03:46

2025-12-15 07:44

Waived

2 - Non-Material

Credit

Missing Doc

Missing letter of explanation

Waived-Exception page XXX is made for "No rent free letter from owner" - Due Diligence Vendor-XX/XX/XXXX

X. Depth of prior housing history of X Years.
X. No derogatory in last X years.
X. LTV is XX.XX%. Maximum allowed per guidelines is XX%.

Investment

Refinance

Cash Out - Other

6618740

Originator Pre-Close

Yes

XXXX

10008194

Closed

2025-12-30 06:29

2025-12-31 06:56

Waived

2 - Non-Material

Property

Property is listed for sale

Waived-Exception page #XXX is made for Property being listed for sale in last X months and then withdrawn. - Due Diligence Vendor-XX/XX/XXXX

X.  Depth of Prior Housing history of XX years X months.
X.  No derogatory payments in past X years with a minimum of XX tradelines.
X.  The listing price was lower than the appraisal appraised value, and the lower was used for LTV purposes at XX.XXXX% LTV.

Investment

Refinance

Cash Out - Other

6849516

Originator Pre-Close

Yes

XXXX

10008195

Closed

2026-01-07 03:40

2026-01-16 04:30

Resolved

1 - Information

Credit

Missing Doc

Missing Lender Income Calculation Worksheet

Resolved-Income worksheets provided. Resolved - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX

Open-XXXX Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. Lender income calculation worksheet is missing for X incomes. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX

Resolved-Income worksheets provided. Resolved - Due Diligence Vendor-XX/XX/XXXX

XXXXX XXXXXX XXXX.pdf

Primary Residence

Purchase

6953543

N/A

XXXX

10008195

Closed

2026-01-07 02:37

2026-01-15 02:37

Resolved

1 - Information

Credit

Missing Doc

1008 Document is Missing

Resolved-XXXX is missing in file, Provided the same, changes made in system, Finding Resolved
- Due Diligence Vendor-XX/XX/XXXX

Resolved-The XXXX document is present in the loan file. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX

Open-The XXXX document is missing from the loan file. XXXX is missing. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX

XXXXXX XXXX.pdf

Primary Residence

Purchase

6952876

N/A

XXXX

10008195

Closed

2026-01-07 04:35

2026-01-15 02:35

Resolved

1 - Information

Credit

Insurance

Hazard Insurance Effective Date is after the Note Date

Resolved-Hazard Insurance Effective Date of XX-XX-XXXX is after the Note Date of XX-XX-XXXX provided Post CD Dated is XX/XX/XXXX is after the Note Date of XX/XX/XXXX, Hence Finding Resolved - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX

Open-Hazard Insurance Effective Date of XX-XX-XXXX is after the Note Date of XX-XX-XXXX - Due Diligence Vendor-XX/XX/XXXX

XXXXXX XXXXX XXXXX XXXXXXXXXX (XX).pdf

XXXXXX XXX _ XXXXX XX XXXXXXXX (XX).pdf

XXXXXX XXXX XXXXXXXXXXXX XX (XX).pdf

Primary Residence

Purchase

6954290

N/A

XXXX

10008196

Closed

2025-12-29 12:10

2026-01-21 16:33

Resolved

1 - Information

Credit

Assets

Asset Qualifications do not meet requirements

Resolved-Documentation received was sufficient to resolve the finding. Bank statement for XXXX - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Counter-Document Uploaded.  - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Counter-Page XXX XXXXX XXXXXX balance only $X,XXX.XX.  - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. We are using account XXXX XXXXX – it is in the file , XXX XXXXXXXXX is SoF only and its fine we know the borrower had the funds to transfer - XXXXX-XX/XX/XXXX

Open-Asset Qualification Does Not Meet XXXXXXXXX Requirements Page XXX XXX XXXXXXXXX dated XX/XX/XXXX - XX/XX/XXXX Account Value $XXX,XXX.XX, Page XXX XXX XXXXXXXXX date ending XX/XX/XXXX Account Value $XXX,XXX.XX.  G/L documentation most recent 2 months of asset statements required for funds required to close and 6 months post close reserves.  - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Document Uploaded - XX/XX/XXXX

Resolved-Documentation received was sufficient to resolve the finding. Bank statement for XXXX - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

XXXXXXXXX XXXXX XXXX (XX).XXX

XXXXXXXXX XXXXXXXX (X).XXX

XXXXXXXXX XXXXX XXXX.XXX

Second Home

Purchase

6838427

N/A

XXXX

10008196

Closed

2025-12-24 20:57

2026-01-08 00:15

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 Gap Credit Report is Missing

Resolved-Borrower 1 Gap Credit Report Provided.
- XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-Borrower 1 Gap Credit Report is not missing. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. - XXXXX-XX/XX/XXXX

Open-Borrower 1 Gap Credit Report is Missing Missing Undisclosed Debt Monitoring. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-Borrower 1 Gap Credit Report Provided.
- XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-Borrower 1 Gap Credit Report is not missing. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

XXXXXXXXX XXX_XXX (XX).XXX

Second Home

Purchase

6801834

N/A

XXXX

10008197

Closed

2025-12-24 12:15

2025-12-31 11:36

Resolved

1 - Information

Credit

Missing Doc

Missing income documentation

Resolved-The documentation received was sufficient to resolve the finding. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. hi , please clarify...I'm not seeing retirement for XXXX.XX. Please find attached statement . - XXXXX-XX/XX/XXXX

Open-Missing retirement documentation for borrower one for the $X,XXX. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-The documentation received was sufficient to resolve the finding. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

XXXXXXX XXXX XXXXXXXXXX.XXX

Primary Residence

Purchase

6794110

N/A

XXXX

10008197

Closed

2025-12-24 11:39

2025-12-31 11:35

Resolved

1 - Information

Credit

Eligibility

Missing Property Tax Cert

Resolved-The documentation received was sufficient to resolve the finding. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. tax cert uploaded and provided at delivery. please clarify what is missing exactly - XXXXX-XX/XX/XXXX

Open-Missing updated monthly property tax, documentation in file showing calculation going off the sales price of XXX,XXX. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-The documentation received was sufficient to resolve the finding. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

XXXXXXX XXXX XXX XXXX.XXX

Primary Residence

Purchase

6793356

N/A

XXXX

10008197

Closed

2025-12-24 11:31

2025-12-31 11:35

Resolved

1 - Information

Credit

Title

Title Coverage is Less than Subject Lien(s) Total

Resolved-The documentation received was sufficient to resolve the finding. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s) - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. - XXXXX-XX/XX/XXXX

Open-Title Coverage Amount of $XXXXXX is Less than Loan Amount Insufficient coverage listed on the title. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

XXXXXXX XXXX XXXX.XXX

Primary Residence

Purchase

6793210

N/A

XXXX

10008197

Closed

2025-12-23 02:07

2025-12-31 11:32

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 W2/1099 Missing

Resolved-The documentation received was sufficient to resolve the finding. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX

Open-Borrower 1 W2/1099 Missing Required Retirement document to support Borrower 1 Income . - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX

Resolved-The documentation received was sufficient to resolve the finding. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

XXXXXXX XXXX XXXXXXXXXX.XXX

Primary Residence

Purchase

6755554

N/A

XXXX

10064883

Closed

2026-01-08 03:45

2026-01-23 06:23

Resolved

1 - Information

Credit

Missing Doc

Evidence of Property Tax Missing

Resolved-Evidence of Property Tax is present - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded.  - XXXXX-XX/XX/XXXX

Counter- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Missing the tax documentation that was used in the approval for $XXXX.XX monthly ($XX,XXX.XX annually). The documentation in the file for $XX,XXX.XX annually ($X,XXX.XX monthly).  - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-please clarify what is not matching? need more of an explanation  - XXXXX-XX/XX/XXXX

Open-Missing Evidence of Property Tax Tax amount is not matching in provided tax cert. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-Evidence of Property Tax is present - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

XXXX XXXX.XXX

Primary Residence

Purchase

6976822

N/A

XXXX

10064883

Closed

2026-01-08 03:29

2026-01-14 13:59

Resolved

1 - Information

Credit

Missing Doc

Missing Lender Income Calculation Worksheet

Resolved-Validation Resolved' - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX

Open-Bank Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. Lender income calculation worksheet is missing. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Validation Resolved' - Due Diligence Vendor-XX/XX/XXXX

XXXX XXXXXX XXXX XXXXXXXXX.pdf

Primary Residence

Purchase

6976729

N/A

XXXX

10064884

Closed

2025-12-25 07:19

2025-12-30 23:51

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 Gap Credit Report is Missing

Resolved-Borrower X Gap Credit Report provided. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Borrower X Gap Credit Report is not missing. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX

Open-Borrower X Gap Credit Report is Missing Gap credit report is missing from file - Due Diligence Vendor-XX/XX/XXXX

Resolved-Borrower X Gap Credit Report provided. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Borrower X Gap Credit Report is not missing. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXXXX XXX.pdf

Primary Residence

Purchase

6803036

N/A

XXXX

10064885

Closed

2025-12-26 11:18

2026-01-23 09:32

Resolved

1 - Information

Credit

Assets

Asset Qualifications do not meet requirements

Resolved-Asset Qualification Does Not Meet Guideline Requirements PCCD and Wire to Escrow.  - Due Diligence Vendor-XX/XX/XXXX

Resolved-Wire to Escrow and PCCD.  - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded.  - Buyer-XX/XX/XXXX

Open-Asset Qualification Does Not Meet Guideline Requirements G/L page X document X% borrower contribution XX% LTV.  - Due Diligence Vendor-XX/XX/XXXX

Resolved-Asset Qualification Does Not Meet Guideline Requirements PCCD and Wire to Escrow. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Wire to Escrow and PCCD. - Due Diligence Vendor-XX/XX/XXXX

XXXXX XXXX XX (XXXX) XXXXX.XX XXXXXXXXXX XXXX XXXXX XXX.msg

XXXXX XX XX.pdf

Primary Residence

Purchase

6816886

N/A

XXXX

10064886

Closed

2025-12-30 08:57

2026-01-08 06:57

Resolved

1 - Information

Compliance

Mavent

License: Loan Originator

Resolved- - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. please clarify. i show this LO is associated with XXXXX XXXXXXX - Buyer-XX/XX/XXXX

Open- - Due Diligence Vendor-XX/XX/XXXX

Open-A relationship between XXXXX XXXXXX (NMLS ID: XXXXXX) and the company (Company NMLS ID: XXXXXX) does not exist in the NMLS Consumer Access as of XXXX-XX-XX. However, other relationship(s) were found in the NMLS Consumer Access for this individual and may be found in the NMLS Info section. NMLS lookup showing two NMLS id's for both LO and LO company. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXX XXXXXXXXX XXXXX - XXXXXXX.pdf

Primary Residence

Refinance

Cash Out - Other

6853239

N/A

XXXX

10064889

Closed

2026-01-01 21:49

2026-01-08 08:24

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 Gap Credit Report is Missing

Resolved-Uploaded UDM XX/XX/XXXX  - Due Diligence Vendor-XX/XX/XXXX

Resolved-Borrower X Gap Credit Report Provided. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Borrower X Gap Credit Report is not missing. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded.  - Buyer-XX/XX/XXXX

Open-Borrower X Gap Credit Report is Missing Missing Undisclosed Debt Monitoring.  - Due Diligence Vendor-XX/XX/XXXX

XXXXXXX XXX_XXX (XX).pdf

Primary Residence

Purchase

6888157

N/A

XXXX

10064891

Closed

2025-12-29 10:58

2026-01-08 13:00

Resolved

1 - Information

Credit

Purchase contract and/or addendums -

Resolved-Cleared - Client provided the addendum to the purchase contract showing a $XX,XXX and and $X,XXX seller credit. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. page XX of XX. this was already provided with the loan delivery - Buyer-XX/XX/XXXX

Open-The closing disclosure shows a seller credit in the amount of $XX,XXX. There is no seller credit listed in the contract. The loan is missing an addendum to the contract for the $XX,XXX seller credit. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Cleared - Client provided the addendum to the purchase contract showing a $XX,XXX and and $X,XXX seller credit. - Due Diligence Vendor-XX/XX/XXXX

XXXXX XXXXXXXX XXXXXXXX (XX).pdf

Investment

Purchase

6836906

N/A

XXXX

10064892

Closed

2026-01-02 03:34

2026-01-27 20:49

Resolved

1 - Information

Credit

Missing Doc

Borrower 2 Gap Credit Report is Missing

Resolved-Borrower X Gap Credit Report Provided.
- Due Diligence Vendor-XX/XX/XXXX

Resolved-Borrower X Gap Credit Report is not missing. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX

Open-Borrower X Gap Credit Report is Missing Borrower X Gap Credit Report is missing from file. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Borrower X Gap Credit Report Provided.
- Due Diligence Vendor-XX/XX/XXXX

Resolved-Borrower X Gap Credit Report is not missing. - Due Diligence Vendor-XX/XX/XXXX

XXXXX XXX_XXX (XX).pdf

Primary Residence

Refinance

Cash Out - Other

6889464

N/A

XXXX

10064892

Closed

2026-01-02 03:34

2026-01-27 20:49

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 Gap Credit Report is Missing

Resolved-Borrower X Gap Credit Report Provided.
- Due Diligence Vendor-XX/XX/XXXX

Resolved-Borrower X Gap Credit Report is not missing. - Due Diligence Vendor-XX/XX/XXXX

XXXXX XXX_XXX (XX).XXX

Primary Residence

Refinance

Cash Out - Other

6889463

N/A

XXXX

10064893

Closed

2025-12-22 00:46

2026-02-06 14:35

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 Gap Credit Report is Missing

Resolved-Borrower X Gap Credit Report provided. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Borrower X Gap Credit Report is not missing. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX

Open-Borrower X Gap Credit Report is Missing G/L page XX missing Undisclosed Debt Monitoring. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX

Resolved-Borrower X Gap Credit Report provided. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Borrower X Gap Credit Report is not missing. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXXXXX XXX.XXX

Primary Residence

Purchase

6728992

N/A

XXXX

10064893

Closed

2025-12-23 14:23

2026-01-12 08:58

Resolved

1 - Information

Credit

Missing departing residence documentation

Resolved-Uploaded XXXXXX Rent Estimate XXXX Field Pl NE.  - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded.  - Seller-XX/XX/XXXX

Counter-Uploaded Third Party Market Rent for XXXX not XXXX NE Field Pl XXXXXXXXXX XX.  - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded.  - Seller-XX/XX/XXXX

Open-G/L page XX missing Lease and/or Third party market rent $X,XXX month for departing residence.  - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX

Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX

Resolved-Uploaded XXXXXX Rent Estimate XXXX Field Pl NE. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXXXXX XXX XXXX (XX).XXX

XXXXXXXXXX XXXX-XX-XX XXXXXX.png

Primary Residence

Purchase

6772373

N/A

XXXX

10064893

Closed

2025-12-23 14:36

2025-12-30 08:54

Resolved

1 - Information

Credit

Missing subject property tax certificate

Resolved-Property tax verified, DTI meets G/L.  - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded.  - Buyer-XX/XX/XXXX

Open-Final CD property tax annually $X,XXX.XX however Title report shows property tax $X,XXX.XX. Missing evidence property tax per XXXX and Final CD.  - Due Diligence Vendor-XX/XX/XXXX

Resolved-Property tax verified, DTI meets G/L. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXXXXX-XXXXX XXX XXXX (XX).XXX

Primary Residence

Purchase

6772673

N/A

XXXX

10064894

Closed

2026-01-19 05:59

2026-01-29 08:43

Resolved

1 - Information

Credit

Missing Doc

Title Document is Incomplete

Resolved-Title Document is Provided And Complete - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX

Open-Title Document is Incomplete Borrower name is missing in title vesting in provided Title report. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Title Document is Provided And Complete - Due Diligence Vendor-XX/XX/XXXX

XXXXX XXXXX XXXXXX.XXX

Investment

Refinance

No Cash Out - Borrower Initiated

7162554

N/A

XXXX

10064894

Closed

2026-01-19 06:09

2026-01-28 03:13

Resolved

1 - Information

Credit

Missing Doc

Missing Lender Income Calculation Worksheet

Resolved-Income worksheet provided. Resolved - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX

Open-Bank Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. Lender income calculation worksheet is missing. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Income worksheet provided. Resolved - Due Diligence Vendor-XX/XX/XXXX

XXXXX-XXXXXXXX XXXXX XXXXXX XXXX.XXX

Investment

Refinance

No Cash Out - Borrower Initiated

7162657

N/A

XXXX

10064898

Closed

2025-12-30 09:21

2026-01-08 00:20

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 Photo Identification Type Missing

Resolved-Borrower X Photo Identification- Valid DL provided. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Validation Resolved or Not Applicable - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX

Open-Borrower X Photo Identification Missing. Please provide valid photo identification per guideline requirements. Provided document unable to verify the iss and Exp Dates. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Borrower X Photo Identification- Valid DL provided. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Validation Resolved or Not Applicable - Due Diligence Vendor-XX/XX/XXXX

XXXXX XX.XXX

Primary Residence

Purchase

6855048

N/A

XXXX

10064900

Closed

2026-01-26 12:24

2026-01-26 12:27

Waived

2 - Non-Material

Credit

Assets

Cash Out Does Not Meet Guideline Requirements

Waived-Compensating factors were sufficient. - Due Diligence Vendor-XX/XX/XXXX _xXXXD_
Open-Cash Out is not completed according to the guideline requirements - Due Diligence Vendor-XX/XX/XXXX

Compensating Factors - XX/XX/XXXX _xXXXD_
_xXXXD_
_xXXXD_

Waived-Compensating factors were sufficient. - Due Diligence Vendor-XX/XX/XXXX_xXXXD_

Borrower has XX.XX months reserves

Investment

Refinance

Cash Out - Other

7301342

Originator Pre-Close

Yes

XXXX

10064900

Closed

2025-12-27 09:20

2026-01-13 11:12

Resolved

1 - Information

Credit

Missing Doc

Evidence of Property Tax Missing

Resolved-The explanation received was sufficient to resolve the finding. Email indicating the use of worse case. - Due Diligence Vendor-XX/XX/XXXX _xXXXD_
Resolved-Evidence of Property Tax is present - Due Diligence Vendor-XX/XX/XXXX _xXXXD_
Ready for Review-Document Uploaded. - Due Diligence Vendor-XX/XX/XXXX _xXXXD_
Counter-Not cleared - please provide evidence of how the tax amount used to qualify was determined. - Due Diligence Vendor-XX/XX/XXXX _xXXXD_
Ready for Review-The correct amount due for XXXX is $X,XXX.XX. The UW increased the amount factoring in the removal of exemptions. what do you need from us to clear? - Buyer-XX/XX/XXXX _xXXXD_
Open-Missing Evidence of Property Tax The property tax on tax cert shows $X,XXX.XX whereas FPL & Final CD shows $X,XXX.XX=$XXX.XX monthly. The file is missing evidence of annual taxes of $X,XXX.XX or $XXX.XX monthly. - Due Diligence Vendor-XX/XX/XXXX

Explanation of taxes used from email. - XX/XX/XXXX _xXXXD_
_xXXXD_
_xXXXD_

XXXXXXXXXXXXXXXXXXXX-pre purchase condition.msg

Investment

Refinance

Cash Out - Other

6823483

N/A

XXXX

10064900

Closed

2025-12-27 06:29

2026-01-12 09:12

Resolved

1 - Information

Compliance

Missing Doc

The Initial 1003 is Missing

Resolved-Cleared - As per Client, LO signature is not required. - Due Diligence Vendor-XX/XX/XXXX _xXXXD_
Ready for Review-the initial XXXX is not required to be signed by the LO - Buyer-XX/XX/XXXX _xXXXD_
Counter-Not cleared - The client has provided the "Certificate of Document Status" document but this does not include the loan application signed by the LO. - Due Diligence Vendor-XX/XX/XXXX _xXXXD_
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX _xXXXD_
Open-The Initial XXXX is Missing The initial XXXX is missing the LO's signature.
- Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX_xXXXD_

Resolved-Cleared - As per Client, LO signature is not required. - Due Diligence Vendor-XX/XX/XXXX_xXXXD_

XXXXXXXX XXXXX - XXXXXXX XXXXXXXXXXX - XXXX-XX-XXXXXXXXX.XXX.XXX

Investment

Refinance

Cash Out - Other

6823192

N/A

XXXX

10064901

Closed

2025-12-30 05:28

2026-01-09 13:10

Resolved

1 - Information

Credit

Missing Doc

1008 Document is Missing

Resolved-The XXXX document is present in the loan file. - Due Diligence Vendor-XX/XX/XXXX _xXXXD_
Ready for Review-Document Uploaded.  - Seller-XX/XX/XXXX _xXXXD_
Counter-The XXXX provided shows the loan amount of $XXX,XXX. The loan amount was $XXX,XXX. Provide the final XXXX reflecting the accurate note information.  - Due Diligence Vendor-XX/XX/XXXX _xXXXD_
Ready for Review-Document Uploaded.  - Buyer-XX/XX/XXXX _xXXXD_
Open-The XXXX document is missing from the loan file. Loan Amount mismatching with Final Closing disclosure and Note document.  - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX_xXXXD_

Resolved-The XXXX document is present in the loan file. - Due Diligence Vendor-XX/XX/XXXX_xXXXD_

XX XXXXX XXXX (XX).XXX_xXXXD_
XX XXX XXXXXXXXXXX_XX_XXX (X).XXX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

6848906

N/A

XXXX

10064901

Closed

2025-12-30 04:44

2026-01-08 00:10

Resolved

1 - Information

Credit

Title

Title Coverage is Less than Subject Lien(s) Total

Resolved-Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-XX/XX/XXXX _xXXXD_
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX _xXXXD_
Open-Title Coverage Amount of $XXXXXX is Less than Loan Amount Required Updated Title to reflect coverage of loan amount. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX_xXXXD_

Resolved-Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-XX/XX/XXXX_xXXXD_

XX XXXXX XXXXXXXXXX - XXX XXXX X_XX XX.XXX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

6848505

N/A

XXXX

10064901

Closed

2025-12-30 05:06

2026-01-08 00:07

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 Gap Credit Report is Missing

Resolved-Borrower X Gap Credit Report Provided.
- Due Diligence Vendor-XX/XX/XXXX _xXXXD_
Resolved-Borrower X Gap Credit Report is not missing. - Due Diligence Vendor-XX/XX/XXXX _xXXXD_
Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX _xXXXD_
Open-Borrower X Gap Credit Report is Missing Required Borrower gap Credit report. - Due Diligence Vendor-XX/XX/XXXX

_xXXXD_

Resolved-Borrower X Gap Credit Report Provided.
- Due Diligence Vendor-XX/XX/XXXX _xXXXD_
Resolved-Borrower X Gap Credit Report is not missing. - Due Diligence Vendor-XX/XX/XXXX_xXXXD_

XX XXX_XXX (XX).XXX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

6848688

N/A

XXXX

10064902

Closed

2025-12-30 12:40

2026-01-28 07:29

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 Gap Credit Report is Missing

Resolved-Borrower X Gap Credit Report is not missing. - Due Diligence Vendor-XX/XX/XXXX _xXXXD_
Resolved-Uploaded UDM XX/XX/XXXX.  - Due Diligence Vendor-XX/XX/XXXX _xXXXD_
Ready for Review-Document Uploaded.  - Buyer-XX/XX/XXXX _xXXXD_
Open-Borrower X Gap Credit Report is Missing Missing Undisclosed Debt Monitoring.  - Due Diligence Vendor-XX/XX/XXXX

_xXXXD_

Resolved-Borrower X Gap Credit Report is not missing. - Due Diligence Vendor-XX/XX/XXXX _xXXXD_
Resolved-Uploaded UDM XX/XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX_xXXXD_

XXXXXX XXX_XXX (XX).XXX

Primary Residence

Refinance

Cash Out - Other

6859146

N/A

XXXX

10064902

Closed

2025-12-30 03:31

2026-01-09 15:46

Resolved

1 - Information

Compliance

HigherPriced:APR

Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming)

Primary Residence

Refinance

Cash Out - Other

6847877

N/A

XXXX

10064903

Closed

2026-01-07 06:02

2026-01-27 14:54

Resolved

1 - Information

Credit

Missing Doc

Missing Lender Income Calculation Worksheet

Resolved-Validation Resolved' - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded.  - Seller-XX/XX/XXXX

Counter-The income calculator provided here does not belong to the borrower. Please provide the income calculator for the income from X XXXXXXX XXXXXXXXX and XXXXXXXX for the $XX,XXX.XX used in the approval.  - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded.  - Buyer-XX/XX/XXXX

Open-Bank Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. Income as per Final XXXX, XXXX & Lock document is $XXXXX.XX whereas Income sheet in file shows $XX,XXX.XX. Need Updated Income sheet with correct Income. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX

Resolved-Validation Resolved' - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX

Investment

Refinance

Cash Out - Other

6955409

N/A

XXXX

10064903

Closed

2026-01-07 03:45

2026-01-13 00:13

Resolved

1 - Information

Credit

Title

Title Coverage is Less than Subject Lien(s) Total

Resolved-Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX

Open-Title Coverage Amount of $XXXXXX is Less than Loan Amount Provide title that reflects at the least the loan amount of $XXX,XXX. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX

Resolved-Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX

Investment

Refinance

Cash Out - Other

6953591

N/A

XXXX

10064903

Closed

2026-01-07 04:32

2026-01-13 00:00

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 Gap Credit Report is Missing

Resolved-Borrower X Gap Credit Report provided. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Borrower X Gap Credit Report is not missing. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX

Investment

Refinance

Cash Out - Other

6954240

N/A

XXXX

10064905

Closed

2025-12-24 22:59

2026-01-06 07:08

Resolved

1 - Information

Compliance

HigherPriced:APR

Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming)

Resolved-. - Due Diligence Vendor-XX/XX/XXXX

Resolved-This loan failed the higher-priced mortgage loan test. ( XX CFR § XXXX.XX(a)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page #XXX, and the Final Closing disclosure is on page #XX, reflecting escrows. Rate lock date was entered correctly; see page #XXX. An interior and exterior appraisal was completed for this property; see pages #XX-XX. The appraisal disclosure was provided to the borrower(s); see pages #XXX. And confirmation the appraisal was delivered to the borrower; see page #XX; XX. Loan meets HPML guidelines. - Due Diligence Vendor-XX/XX/XXXX

Open- - Due Diligence Vendor-XX/XX/XXXX

Open-The loan's (X.XX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(i)) - Due Diligence Vendor-XX/XX/XXXX

Open- - Due Diligence Vendor-XX/XX/XXXX

Open- - Due Diligence Vendor-XX/XX/XXXX

Primary Residence

Purchase

6802435

N/A

XXXX

10064905

Closed

2025-12-24 22:59

2026-01-06 07:08

Resolved

1 - Information

Compliance

Mavent

License: Loan Originator

Resolved-A relationship between XXXXXXXXXXX XXXXXXXX (NMLS ID: XXXXXX) and the company (Company NMLS ID: XXXXXX) does not exist in the NMLS Consumer Access as of XXXX-XX-XX. However, other relationship(s) were found in the NMLS Consumer Access for this individual and may be found in the NMLS Info section. - Due Diligence Vendor-XX/XX/XXXX

Open- - Due Diligence Vendor-XX/XX/XXXX

Resolved-Document uploaded to verify license and affiliation with XXXXX XXXXXXX. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. LO is licensed and is affiliated with XXXXX XXXXXXX….. I’m attaching what I found on the NMLS website. That coincides with the info from the Note. So I’m not really sure what the issue is - Seller-XX/XX/XXXX

Open-A relationship between XXXXXXXX (NMLS ID: XXXXXX) and the company (Company NMLS ID: XXXXXX) does not exist in the NMLS Consumer Access as of XXXX-XX-XX. However, other relationship(s) were found in the NMLS Consumer Access for this individual and may be found in the NMLS Info section. Confirmed NMLS consumer access showing Currently Authorized to represent as "XXXXXXXXXXXX" XXXXXX. - Due Diligence Vendor-XX/XX/XXXX

Open- - Due Diligence Vendor-XX/XX/XXXX

Open- - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. LO is licensed and is affiliated with XXXXX XXXXXXX….. I’m attaching what I found on the NMLS website. That coincides with the info from the Note. So I’m not really sure what the issue is - Seller-XX/XX/XXXX

XXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX

Primary Residence

Purchase

6802436

N/A

XXXX

10064906

Closed

2026-01-07 09:49

2026-02-02 12:06

Resolved

1 - Information

Compliance

TRID

Federal - Closing Disclosure and Consummation Date

Resolved- - Due Diligence Vendor-XX/XX/XXXX

Resolved- - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX

Open-The Initial Closing Disclosure Received Date of (XXXX-XX-XX) is not three business days before the consummation date of (XXXX-XX-XX). Three business days before the consummation date is (XXXXXXXX). Under Regulation Z, a consumer must receive the Initial Closing Disclosure reflecting the actual terms of the transaction no later than three business days before consummation. (XX CFR XXXX.XX(f)(X)(ii)(A)); XXXX.XX(f)(X)(iii)) - Due Diligence Vendor-XX/XX/XXXX

Open- - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX

Resolved- - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX

Primary Residence

Purchase

6961724

N/A

XXXX

10064906

Closed

2026-01-07 03:08

2026-01-13 07:16

Resolved

1 - Information

Compliance

Missing Doc

TRID: Missing Initial Closing Disclosure

Resolved- - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX

Open-TRID: Missing Closing Disclosure Initial Closing Disclosure document missing from file. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX

XXXXXXX XXXXXXXX XXXXXXX XX (XX).XXX

Primary Residence

Purchase

6953180

N/A

XXXX

10064906

Closed

2026-01-07 03:01

2026-01-13 07:13

Resolved

1 - Information

Compliance

Missing Doc

TRID: Missing Closing Disclosure

Resolved- - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX

Open-TRID: Missing Final Closing Disclosure Disbursement Date is Prior to Closing Date. Need Updated Final CD with correct Disbursement Date. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX

XXXXXXX XXXX XXXXXXXXXXXX XX (XX).XXX

XXXXXXX XXXXX XXXXX XXXXXXXX (XX).XXX

XXXXXXX XXX _ XXXXX XX XXXXXXXX (XX).XXX

Primary Residence

Purchase

6953030

N/A

XXXX

10064906

Closed

2026-01-07 01:01

2026-01-13 06:25

Resolved

1 - Information

Credit

Missing Doc

Borrower 2 Gap Credit Report is Missing

Resolved- - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX

Open-Borrower 2 Gap Credit Report is Missing from file. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX

XXXXXXXX UDM_UDN (XX).XXX

Primary Residence

Purchase

6951888

N/A

XXXX

10064906

Closed

2026-01-07 01:01

2026-01-13 06:25

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 Gap Credit Report is Missing

Resolved- - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX

Open-Borrower 1 Gap Credit Report is Missing from file. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX

XXXXXXXX UDM_UDN (XX).XXX

Primary Residence

Purchase

6951887

N/A

XXXX

10064908

Closed

2025-12-25 09:50

2026-01-09 07:48

Resolved

1 - Information

Compliance

Mavent

NJ Fee Not Allowed- Property Repairs (Fee ID: 998)

Resolved-PCCD received. System updated. - Due Diligence Vendor-XX/XX/XXXX

Resolved- - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX

Open-Section 3:1-16.2 of the XXXX Mortgage Loans, Fees, Obligations Provisions (N.J.A.C. 3:1-16.2) does not allow Property Repairs (Fee ID: 998) to be charged to the Borrower in NJ. - Due Diligence Vendor-XX/XX/XXXX

Open- - Due Diligence Vendor-XX/XX/XXXX

Open- - Due Diligence Vendor-XX/XX/XXXX

Open- - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX

Resolved-PCCD received. System updated. - Due Diligence Vendor-XX/XX/XXXX

XXXXX XXXX XXX.XXX

XXXXX XXXX.XXX

Primary Residence

Purchase

6803201

N/A

XXXX

10064908

Closed

2025-12-25 09:50

2026-01-09 07:47

Resolved

1 - Information

Compliance

Mavent

NJ Fee Not Allowed- Document Preparation Fee (Fee ID: 104)

Resolved-PCCD received. System updated. - Due Diligence Vendor-XX/XX/XXXX

Resolved- - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX

Open-Section 3:1-16.2 of the XXXX Mortgage Loans, Fees, Obligations Provisions (N.J.A.C. 3:1-16.2) does not allow Document Preparation Fee (Fee ID: 104) to be charged to the Borrower in NJ. - Due Diligence Vendor-XX/XX/XXXX

Open- - Due Diligence Vendor-XX/XX/XXXX

Open- - Due Diligence Vendor-XX/XX/XXXX

Open- - Due Diligence Vendor-XX/XX/XXXX

Resolved-PCCD received. System updated. - Due Diligence Vendor-XX/XX/XXXX

XXXXX XXXX.XXX

XXXXX XXXX XXX.XXX

Primary Residence

Purchase

6803199

N/A

XXXX

10064909

Closed

2026-01-19 04:23

2026-01-29 08:59

Resolved

1 - Information

Credit

Eligibility

Ineligible Housing History per program guidelines

Resolved-Housing History Does Not Meet XXXXXXXXX Requirements   - Due Diligence Vendor-XX/XX/XXXX

Resolved-Bank statements confirmed 12 month rental housing history via electronic deposits. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. we show 14 months documented. these were included with the original loan file delivery  - Buyer-XX/XX/XXXX

Counter-No AUS in file.  Loan is a DSCR and rate lock on page 344 confirms no AUS. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-AUS approval/eligible in file. please clear - Buyer-XX/XX/XXXX

Open-Housing History Does Not Meet XXXXXXXXX Requirements Borrower's rent verified from bank statement of 8 months. Provide VOR or additional documentation to verify the full 12 months housing history. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXXX XXXX XXXXXXXXXX.XXX

Investment

Refinance

Cash Out - Other

7161028

N/A

XXXX

10064910

Closed

2025-12-28 02:43

2025-12-30 07:37

Resolved

1 - Information

Compliance

HigherPriced:APR

Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming)

Primary Residence

Purchase

6824381

N/A

XXXX

10064913

Closed

2026-01-26 12:37

2026-01-26 12:40

Waived

2 - Non-Material

Credit

Eligibility

Borrower owns more financed properties than allowed per guidelines

Waived- - XXX XXXXXXXXX XXXXX-XX/XX/XXXX

Ready for Review- - XXX XXXXXXXXX XXXXX-XX/XX/XXXX

Open-Number of REO's exceeds max of X. Borrower has X properties. - XXX XXXXXXXXX XXXXX-XX/XX/XXXX

Compensating Factor uploaded. - XX/XX/XXXX

XX.XX months reserves, XXX FICO

Primary Residence

Refinance

No Cash Out - Borrower Initiated

7301578

Originator Pre-Close

Yes

XXXX

10064913

Closed

2026-01-05 09:12

2026-01-14 06:50

Resolved

1 - Information

Credit

Missing Doc

1008 Document is Missing

Counter-The attached document was already provided in the initial package and is inaccurate. Please provide the final XXXX that reflects the accurate loan terms, loan amount, ltv, etc. The LTV should reflect XX.XX% as the loan amount is $X,XXX,XXX not the $X,XXX,XXX that was provided on the XXXX in the package. - XXX XXXXXXXXX XXXXX-XX/XX/XXXX

Resolved-The XXXX document is present in the loan file. - XXX XXXXXXXXX XXXXX-XX/XX/XXXX

Resolved-The accurate XXXX was provided showing the correct terms and amounts.  - XXX XXXXXXXXX XXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded.  - XXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded.  - XXXXX-XX/XX/XXXX

Open-The XXXX document is missing from the loan file. The final XXXX is missing.  - XXX XXXXXXXXX XXXXX-XX/XX/XXXX

Resolved-The XXXX document is present in the loan file. - XXX XXXXXXXXX XXXXX-XX/XX/XXXX

Resolved-The accurate XXXX was provided showing the correct terms and amounts. - XXX XXXXXXXXX XXXXX-XX/XX/XXXX

XXXXX XXXXX XXXX (XX).XXX

XXXXX XXXXX XXXX.XXX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

6915209

N/A

XXXX

10064915

Closed

2026-01-05 23:27

2026-01-28 06:07

Resolved

1 - Information

Credit

Missing Doc

Missing Lender Income Calculation Worksheet

Resolved-Validation Resolved' - XXX XXXXXXXXX XXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded.  - XXXXX-XX/XX/XXXX

Counter-I am not able to open the document uploaded as an excel spreadsheet. Unable to determine if this excel spreadsheet references the income calculator for XXXXXX XXXXXXX XXXXX for $XX,XXX.XX and XXXXXX XXXXX $X,XXX.XX. You will have to upload in pdf form in order for it to be viewed.  - XXX XXXXXXXXX XXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. please find attached excel spread sheet. each tabs provide all the income  - XXXXX-XX/XX/XXXX

Counter-The bank statement calculator provided shows $XX,XXX.XX as qualifying income.  Per the XXXX (sections Xb & Xc), this is for XXXXXXX XXXXX.  Income calculation worksheets are still missing for XXXXXX XXXXXXX XXXXX ($XX,XXX.XX) and XXXXXX XXXXX ($X,XXX.XX) to equal the total qualifying income on the XXXX of $XX,XXX.XX. - XXX XXXXXXXXX XXXXX-XX/XX/XXXX

Ready for Review-all X businesses are listed on the income calc sheet. please clarify - XXXXX-XX/XX/XXXX

Counter-Please provide income calculators for XXXXXX XXXXXXX XXXXX and XXXXXX XXXXX - XXX XXXXXXXXX XXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded.  - XXXXX-XX/XX/XXXX

Open-Bank Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. Required Lender Worksheet.  - XXX XXXXXXXXX XXXXX-XX/XX/XXXX

Resolved-Validation Resolved' - XXX XXXXXXXXX XXXXX-XX/XX/XXXX

XXXXXX XXXXX XXXXXXX XXXXX  XX-X-XX (X).XXX

XXXXXX XXXXXXX XXXXX  XX-X-XX (X) (X).XXXX

XXXXXX XXXXX XXXXXXX XXXXX  XX-X-XX (X) (X).XXX

XXXXXX XXXXX XXXXXXX XXXXXX  XX-X-XX (X).XXX

Primary Residence

Purchase

6928022

N/A

XXXX

10064916

Closed

2025-12-26 13:55

2025-12-31 10:12

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 Gap Credit Report is Missing

Resolved-Borrower X Gap Credit Report is not missing. - XXX XXXXXXXXX XXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. - XXXXX-XX/XX/XXXX

Open-Borrower X Gap Credit Report is Missing Missing Undisclosed Debt Monitoring. - XXX XXXXXXXXX XXXXX-XX/XX/XXXX

Resolved-Borrower X Gap Credit Report is not missing. - XXX XXXXXXXXX XXXXX-XX/XX/XXXX

XXXXXXXX XXXXXXXX XXX.XXX

Primary Residence

Purchase

6819463

N/A

XXXX

10064917

Closed

2025-12-30 10:08

2026-01-09 07:02

Resolved

1 - Information

Credit

Missing Doc

Hazard Insurance Policy is Missing

Resolved-Hazard Insurance Policy is fully present - XXX XXXXXXXXX XXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. - XXXXX-XX/XX/XXXX

Counter-The property has two insurance policies on it. The missing one is for a premium amount of $X,XXX. Please provide the missing insurance policy. - XXX XXXXXXXXX XXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. - XXXXX-XX/XX/XXXX

Open-Missing Hazard Insurance Policy Hazard Insurance document is missing in file. - XXX XXXXXXXXX XXXXX-XX/XX/XXXX

Resolved-Hazard Insurance Policy is fully present - XXX XXXXXXXXX XXXXX-XX/XX/XXXX

XXXXXXX XXXXXXXX - XXXX-XX-XXXXXXXXX.XXX

XXXXXXX XXXXXXXX.XXX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

6856413

N/A

XXXX

10064919

Closed

2026-01-05 13:33

2026-01-08 06:30

Resolved

1 - Information

Credit

Missing Doc

Borrower 2 Gap Credit Report is Missing

Resolved-Borrower X Gap Credit Report is not missing. - XXX XXXXXXXXX XXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. - XXXXX-XX/XX/XXXX

Open-Borrower X Gap Credit Report is Missing GL requires gap report. - XXX XXXXXXXXX XXXXX-XX/XX/XXXX

Resolved-Borrower X Gap Credit Report is not missing. - XXX XXXXXXXXX XXXXX-XX/XX/XXXX

XXXXXXX XXX_XXX (XX).XXX

Primary Residence

Purchase

6921250

N/A

XXXX

10064919

Closed

2026-01-05 13:33

2026-01-08 06:29

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 Gap Credit Report is Missing

Resolved-Borrower X Gap Credit Report is not missing. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. - XXXXX-XX/XX/XXXX

Open-Borrower X Gap Credit Report is Missing GL requires gap report. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-Borrower X Gap Credit Report is not missing. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

XXXXXXX XXX_XXX (XX).XXX

Primary Residence

Purchase

6921249

N/A

XXXX

10064923

Closed

2026-01-26 16:55

2026-01-26 16:58

Waived

2 - Non-Material

Credit

Income/Employment

Income/Employment General

Waived-Compensating factors was sufficient. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Open-Number of business entities. Borrower has X XXXX's and X XXXX. Per guides borrower can have only X XXXXx and or XXXX's. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Compensating factors - XX/XX/XXXX

Waived-Compensating factors was sufficient. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

XX.XX% DTI

Investment

Purchase

7305028

Originator Pre-Close

Yes

XXXX

10064923

Closed

2025-12-21 23:45

2025-12-31 06:22

Resolved

1 - Information

Compliance

Missing Doc

The Initial 1003 is Missing

Resolved- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. LO signature is not required on initial XXXX, uploading e-consent - XXXXX-XX/XX/XXXX

Open-The Initial XXXX is Missing Initial XXXX is available in file but LO signature is missing. Provide updated document with LO signature. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

XXXXXX e consent.XXX

Investment

Purchase

6728656

N/A

XXXX

10064924

Closed

2025-12-22 22:47

2026-01-05 13:08

Waived

2 - Non-Material

Compliance

HigherPriced:APR

North Carolina - Rate Spread Home Loan (First Lien 10/13)(Conforming)

Waived-. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Waived-Per XXXXXX Escalation: Please downgrade to an EVX and waive finding. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-hello, is there anything needed from us to clear this loan? it is a level X condition - XXXXX-XX/XX/XXXX

Open-The loan's (X.XXX%) APR equals or exceeds the XXXXX XXXXXXXX Rate Spread Home Loan first lien conforming loan threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this closed end loan secured by a X-X unit dwelling is (X.XX%).(N.C. Gen. Stat. XX-X.XF(aX); XX USC XXXXc(c)(X)(B)(ii); XX CFR XXXX.XX(a)(X)(i)) The APR of X.XXX% and an APOR benchmark rate of X.XXX% causes a variance of X.XXX%, which exceeds the X.X% NC threshold. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Waived-. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Waived-Per XXXXXX Escalation: Please downgrade to an EVX and waive finding. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Per XXXXXXXX XXXXXXX Appropriate to Waive as a B Grade

Primary Residence

Purchase

6754722

Originator Post-Close

XXXX

10064924

Closed

2025-12-22 22:47

2026-01-05 13:08

Resolved

1 - Information

Compliance

HigherPriced:APR

Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming)

Resolved-. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(i)) . - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(i)) . - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Primary Residence

Purchase

6754721

N/A

XXXX

10064925

Closed

2025-12-23 00:51

2025-12-30 00:54

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 Gap Credit Report is Missing

Resolved-Borrower X Gap Credit Report provided.
- XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-Borrower X Gap Credit Report is not missing. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. - XXXXX-XX/XX/XXXX

Open-Borrower X Gap Credit Report is Missing Missing Undisclosed Debt Monitoring. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-Borrower X Gap Credit Report provided.
- XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-Borrower X Gap Credit Report is not missing. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

XXX XXX_XXX (X).XXX

Investment

Purchase

6755299

N/A

XXXX

10064928

Closed

2025-12-26 23:03

2026-02-03 13:09

Resolved

1 - Information

Credit

Missing Doc

Evidence of Property Tax Missing

Resolved-The documentation received was sufficient to resolve the finding. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded.  - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Counter-Corrected XXXX received to show $XXX.XX, which now matches the Initial Escrow Account Disclosure and the First Payment letter.  However, the Final CD is still incorrect.  Section G, line XX still shows $XXX.XX. This needs to be corrected to $XXX.XX to match the other documents. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded.  - XXXXXX-XX/XX/XXXX

Counter-There is still a mismatch.  The XXXX that was just provided shows $XXX.XX.  The Initial Escrow Account Disclosure shows $X,XXX.XX bi-annually / X = $XXX.XX. The First Payment Letter shows $XXX.XX. And the Final CD in the initial upload still shows $XXX.XX.  The tax amount on these documents should all match. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded.  - XXXXXX-XX/XX/XXXX

Counter-Corrected XXXX received to match the Taxes on the Final CD and the Payment Letter ($XXX.XX monthly).  However, the file is missing the source of this amount.  The Tax Cert lists $X,XXX.XX annual / $XXX.XX monthly. And the Real Estate Tax Calculation Worksheet for a recent acquisition shows $X,XXX.XX annual / $XXX.XX monthly.  There is no document in file to corroborate the $XXX.XX qualifying amount. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. updated XXXX - XXXXXX-XX/XX/XXXX

Open-Missing Evidence of Property Tax File is missing evidence of the escrowed Tax Amount ($X,XXX.XX annual / $XXX.XX monthly) amidst discrepancies.  The XXXX lists $X,XXX.XX annual / $XXX.XX monthly. The Tax Cert lists $X,XXX.XX annual / $XXX.XX monthly.  And the Real Estate Tax Calculation Worksheet for a recent acquisition shows $X,XXX.XX annual / $XXX.XX monthly.  The audit is unable to determine the source of the amount the loan was actually escrowed with. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. updated XXXX - XXXXXX-XX/XX/XXXX

Resolved-The documentation received was sufficient to resolve the finding. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

XXXXXX XXXX.XXX

XXXXXX XXXX.XXX

XXXXXX XXXX ii.XXX

XXXXXX updated XXXX.XXX

Documentation uploaded.

Primary Residence

Refinance

No Cash Out - Borrower Initiated

6822440

N/A

XXXX

10064928

Closed

2025-12-29 12:49

2026-01-26 14:44

Resolved

1 - Information

Credit

Missing Doc

1008 Document is Missing

Resolved-The 1008 document is present in the loan file. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-Corrected 1008 received to match the Final CD & Payment Letter. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. corrected 1008 - XXXXX-XX/XX/XXXX

Open-The 1008 document is missing from the loan file. The provided 1008 has an incorrect amount for taxes (and, therefore, an incorrect DTI). The 1008 says $XXX.XX monthly, but the Final CD and the Payment Letter says $XXX.XX monthly. Due to a property tax discrepancy (see the other finding), the audit was unable to determine the source of the tax amount that was actually escrowed. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-The 1008 document is present in the loan file. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-Corrected 1008 received to match the Final CD & Payment Letter. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

XXXX XXXX.XXX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

6839085

N/A

XXXX

10064929

Closed

2025-12-28 07:45

2026-01-09 03:04

Resolved

1 - Information

Credit

Insurance

Hazard Insurance Effective Date is after the Note Date

Resolved-Provided HOI document shows Hazard Insurance Effective Date of XX-XX-XXXX is prior to or equal to the Note Date of XX-XX-XXXX. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-Hazard Insurance Effective Date of XX-XX-XXXX is prior to or equal to the Note Date of XX-XX-XXXX Or Hazard Insurance Effective Date Is Not Provided - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. - XXXXX-XX/XX/XXXX

Open-Hazard Insurance Effective Date of XX-XX-XXXX is after the Note Date of XX-XX-XXXX Hazard Insurance Effective Date of XX/XX/XXXX is after the Note Date and Disbursement Date of XX/XX/XXXX. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

XXXXXXX XXXXXXXXX - XXXX-XX-XXXXXXXXXXXX.XXX.XXX.XXX

Primary Residence

Purchase

6824674

N/A

XXXX

10064929

Closed

2025-12-28 08:41

2026-01-09 06:09

Resolved

1 - Information

Compliance

HigherPriced:APR

Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming)

Resolved-. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal XXXX threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. ( XX CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, and loan information is on Pg#XXX and the Final Closing disclosure on Pg#XXX s, Finding reflects escrows. Rate lock date was entered correctly – see Pg#XXX , An interior and exterior appraisal was completed for this property – see pg#XX, the appraisal disclosure was provided to the borrower(s)- see Pg#XXand confirmation the appraisal was delivered to the borrower – see Pg#’XXXs The loan meets XXXX guidelines. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Primary Residence

Purchase

6824735

N/A

XXXX

10064930

Closed

2025-12-26 01:36

2025-12-31 12:58

Resolved

1 - Information

Credit

Missing Doc

Hazard Insurance Policy is Missing

Resolved-Hazard Insurance Policy was provided. System updated. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. - XXXXX-XX/XX/XXXX

Open-Missing Hazard Insurance Policy Hazard Insurance Policy missing from file. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-Hazard Insurance Policy was provided. System updated. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

XXXXXX XXX - XXXXXXX - XXXXXXX (X).XXX XXXXXX.XXX

Investment

Refinance

Cash Out - Other

6806984

N/A

XXXX

10064931

Closed

2025-12-30 09:54

2026-01-13 06:55

Resolved

1 - Information

Credit

Missing Doc

HO6 Master Insurance Policy is Missing

Resolved-HO-6 Master Insurance Policy is fully present - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. this was provided with the initial package  - XXXXX-XX/XX/XXXX

Counter-Please upload the master condo policy for this property.  - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded.  - XXXXX-XX/XX/XXXX

Open-Missing HO-6 Master Insurance Policy Unable to locate the master condo policy. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-HO-6 Master Insurance Policy is fully present - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

XXX _XXX-X (X).XXX

XXX XXXXXX XXXXXX (X).XXX

Primary Residence

Purchase

6856125

N/A

XXXX

10064932

Closed

2026-01-19 21:49

2026-01-29 08:31

Resolved

1 - Information

Credit

Eligibility

Ineligible Housing History per program guidelines

Resolved-Housing History Meets Guideline Requirements - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-AUS in file approve/eligible . please clear - XXXXX-XX/XX/XXXX

Open-Housing History Does Not Meet Guideline Requirements Per the Final 1003, the borrower rents the current Primary Residence of $X,XXX monthly. There is no VOR or evidence of rent payments made to complete the 24 months Housing History and meet Tradeline requirement. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-Housing History Meets Guideline Requirements - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Primary Residence

Purchase

7172823

N/A

XXXX

10064932

Closed

2026-01-21 12:58

2026-01-29 08:31

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 Gap Credit Report is Missing

Resolved-Borrower 1 Gap Credit Report is not missing. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. - XXXXX-XX/XX/XXXX

Open-Borrower 1 Gap Credit Report is Missing ; Evidence Undisclosed Debt Monitoring. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-Borrower 1 Gap Credit Report is not missing. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

XXXXXXX XXX.XXX

Primary Residence

Purchase

7222928

N/A

XXXX

10064935

Closed

2025-12-27 00:26

2026-01-27 20:08

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 Gap Credit Report is Missing

Resolved-Borrower X Gap Credit Report is not missing. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Borrower X Gap Credit Report Provided.
- Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX

Open-Borrower X Gap Credit Report is Missing Missing Undisclosed Debt Monitoring. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Borrower X Gap Credit Report is not missing. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Borrower X Gap Credit Report Provided.
- Due Diligence Vendor-XX/XX/XXXX

XXX XXX_XXX (XX).XXX

Investment

Purchase

6822494

N/A

XXXX

10064936

Closed

2026-01-05 06:38

2026-01-09 05:50

Resolved

1 - Information

Credit

Deficient title documentation and/or endorsements

Resolved-the Warranty Deed was received. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX

Open-File is missing the Quit Claim Deed to remove XXXXXXXXX XXXXXXXX XXXXXX from title, as referenced in the Title Commitment (Schedule A, item #X). - Due Diligence Vendor-XX/XX/XXXX

Resolved-the Warranty Deed was received. - Due Diligence Vendor-XX/XX/XXXX

XXXXXX XX-XXXX XXXXXXXX XX.XXX

Primary Residence

Refinance

Cash Out - Other

6911690

N/A

XXXX

10064936

Closed

2025-12-30 22:36

2026-01-09 06:20

Resolved

1 - Information

Compliance

HigherPriced:APR

Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming)

Resolved-. - Due Diligence Vendor-XX/XX/XXXX

Open- - Due Diligence Vendor-XX/XX/XXXX

Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. ( XX CFR § XXXX.XX(a)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s XXX and the Final Closing disclosure on Pg#’s XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#’s XXX. An interior and exterior appraisal was completed for this property – see pg XX, the appraisal disclosure was provided to the borrower(s)- see Pg#’s XXX, and confirmation the appraisal was delivered to the borrower – see Pg#’s XXX. The loan meets HPML guidelines, resolved.
- Due Diligence Vendor-XX/XX/XXXX

Open- - Due Diligence Vendor-XX/XX/XXXX

Open- - Due Diligence Vendor-XX/XX/XXXX

Resolved-. - Due Diligence Vendor-XX/XX/XXXX

Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. ( XX CFR § XXXX.XX(a)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s XXX and the Final Closing disclosure on Pg#’s XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#’s XXX. An interior and exterior appraisal was completed for this property – see pg XX, the appraisal disclosure was provided to the borrower(s)- see Pg#’s XXX, and confirmation the appraisal was delivered to the borrower – see Pg#’s XXX. The loan meets HPML guidelines, resolved.
- Due Diligence Vendor-XX/XX/XXXX

Primary Residence

Refinance

Cash Out - Other

6865369

N/A

XXXX

10064938

Closed

2025-12-27 05:04

2026-01-09 05:59

Resolved

1 - Information

Compliance

TRID Tolerance

Insufficient Change of Circumstance (50001252)

Resolved- - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX

Open- - Due Diligence Vendor-XX/XX/XXXX

Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Doc Tax Stamps/Transfer Taxes – City/County, Points - Loan Discount Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (XX CFR XXXX.XX(e)(X); XX CFR XXXX.XX(e)(X); XX CFR XXXX.XX(f)(X)(v)). No COC or Lender Credits to cure the tolerance. - Due Diligence Vendor-XX/XX/XXXX

Open- - Due Diligence Vendor-XX/XX/XXXX

Resolved- - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXXX XXXXXXXX XX XX (XX).XXX

Primary Residence

Purchase

6822885

N/A

XXXX

10064938

Closed

2025-12-27 04:26

2026-01-09 03:10

Resolved

1 - Information

Credit

Missing Doc

Hazard Insurance Policy is Missing

Resolved-Hazard Insurance Policy for the subject property provided. Updated & Resolved. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX

Open-Missing Hazard Insurance Policy Hazard Insurance Policy for the subject property is missing from the file. Per the Final CD, the annual premium is stated to be $X,XXX with XXXXX XXXXX. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXXX XXXXXXXXX - XXXX-XX-XXXXXXXX.XXX

Primary Residence

Purchase

6822739

N/A

XXXX

10064944

Closed

2025-12-22 22:15

2025-12-31 00:56

Resolved

1 - Information

Credit

Missing Doc

Borrower 2 Executed 4506-T Missing

Resolved-Borrower X Executed XXXX-X Provided - Due Diligence Vendor-XX/XX/XXXX

Resolved-Borrower X Executed XXXX-X Provided or Not Applicable (Number of Borrowers equals X) - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX

Open-Borrower X Executed XXXX-X Missing Per the GL, a XXXX is required for wage and salary borrowers. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXX XXXXX.XXX

Primary Residence

Purchase

6754570

N/A

XXXX

10064946

Closed

2026-01-04 23:58

2026-01-14 06:58

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 Gap Credit Report is Missing

Resolved-Borrower X Gap Credit Report is not missing. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. hello please escelate this. most investors do not ask for the UDN, i'm not sure what happened but we pulled today and the information has not changed. can you please clear - Buyer-XX/XX/XXXX

Counter-The udm is dated XX/XX/XXXX but the closing date was not until XX/XX/XXXX. Need the udm within XX days of closing. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Borrower X Gap Credit Report provided.
- Due Diligence Vendor-XX/XX/XXXX

Resolved-Borrower X Gap Credit Report is not missing. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX

Open-Borrower X Gap Credit Report is Missing from file. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Borrower X Gap Credit Report is not missing. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Borrower X Gap Credit Report provided.
- Due Diligence Vendor-XX/XX/XXXX

Resolved-Borrower X Gap Credit Report is not missing. - Due Diligence Vendor-XX/XX/XXXX

XXXXXX XXX_XXX (XX).XXX

XXXXXX XXX.XXX

XXXXXX XXX.XXX

Investment

Refinance

No Cash Out - Borrower Initiated

6909194

N/A

XXXX

10064947

Closed

2025-12-26 14:27

2025-12-31 11:00

Resolved

1 - Information

Credit

Eligibility

Ineligible Housing History per program guidelines

Resolved-Housing History Meets Guideline Requirements - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-Housing History Meets Guideline Requirements. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-the approved AUS has been uploaded and is acceptable per guides, if it is not on the credit report - Buyer-XX/XX/XXXX

Open-Housing History Does Not Meet Guideline Requirements The borrower resides in their own home and has a mortgage; however, it is not reflected on the credit report. A Verification of Mortgage (VOM) or the most recent 12 months of mortgage payment history is required to meet GL requirements. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-Housing History Meets Guideline Requirements - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-Housing History Meets Guideline Requirements. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Second Home

Purchase

6819899

N/A

XXXX

10064947

Closed

2025-12-29 07:38

2025-12-31 11:00

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 Gap Credit Report is Missing

Resolved-Borrower 1 Gap Credit Report is not missing. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX

Open-Borrower 1 Gap Credit Report is Missing Missing Borrower Undisclosed Debt Monitoring. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-Borrower 1 Gap Credit Report is not missing. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

XXXXXXX XXX.XXX

Second Home

Purchase

6830371

N/A

XXXX

10064947

Closed

2025-12-29 07:38

2025-12-31 11:00

Resolved

1 - Information

Credit

Missing Doc

Borrower 2 Gap Credit Report is Missing

Resolved-Borrower 2 Gap Credit Report is not missing. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX

Open-Borrower 2 Gap Credit Report is Missing Missing Co-Borrower Undisclosed Debt Monitoring. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-Borrower 2 Gap Credit Report is not missing. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

XXXXXXX XXX.XXX

Second Home

Purchase

6830372

N/A

XXXX

10064948

Closed

2026-01-09 01:06

2026-01-13 07:09

Resolved

1 - Information

Credit

Insurance

HO6 Insurance Policy Effective Date is after the Note Date

Resolved-HO-6 Insurance Policy Effective Date of XX-XX-XXXX is after the Note Date of XX-XX-XXXX, Resolved as provided PCCD shows Disbursement date as XX.XX.XXXX. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX

Open-HO-6 Insurance Policy Effective Date of XX-XX-XXXX is after the Note Date of XX-XX-XXXX. Disbursement date was XX/XX/XXXX. Please provide the policy that was effective at the time of closing and/or disbursement. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-HO-6 Insurance Policy Effective Date of XX-XX-XXXX is after the Note Date of XX-XX-XXXX, Resolved as provided PCCD shows Disbursement date as XX.XX.XXXX. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

XXXXXXXXX XXXXX XXXX XXXXXXXXXX (XX).XXX

XXXXXXXXX XXX _ XXXXX XX XXXXXXXX (XX).XXX

XXXXXXXXX XXXX XXXXXXXXXXXX XX (XX).XXX

Investment

Purchase

6999889

N/A

XXXX

10064949

Closed

2026-01-26 12:51

2026-01-26 12:53

Waived

2 - Non-Material

Credit

Eligibility

Payment shock exceeds guideline

Waived-Compensating factors were sufficient. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Open-For first time homeowner. Payment shock of XXX% exceeds max allowed of XXX% for borrower with greater than XX% DTI. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Compensating factors - XX/XX/XXXX

Waived-Compensating factors were sufficient. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Residual income of $X,XXX.XX monthly

Primary Residence

Purchase

7301799

Originator Pre-Close

Yes

XXXX

10064949

Closed

2025-12-25 21:56

2025-12-30 23:57

Resolved

1 - Information

Credit

Missing Doc

Borrower 2 Gap Credit Report is Missing

Resolved-Borrower 2 Gap Credit Report provided.
- XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-Borrower 2 Gap Credit Report is not missing. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX

Open-Borrower 2 Gap Credit Report is Missing Missing Co-Borrower Undisclosed Debt Monitoring. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-Borrower 2 Gap Credit Report provided.
- XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-Borrower 2 Gap Credit Report is not missing. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

XXX XXX.XXX

Primary Residence

Purchase

6806174

N/A

XXXX

10064949

Closed

2025-12-25 21:56

2025-12-30 23:57

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 Gap Credit Report is Missing

Resolved-Borrower 1 Gap Credit Report provided.
- XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-Borrower 1 Gap Credit Report is not missing. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX

Open-Borrower 1 Gap Credit Report is Missing Missing Borrower Undisclosed Debt Monitoring. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-Borrower 1 Gap Credit Report provided.
- XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-Borrower 1 Gap Credit Report is not missing. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

XXX XXX.XXX

XXXXX.XXX

Primary Residence

Purchase

6806173

N/A

XXXX

10064950

Closed

2025-12-30 09:13

2026-01-09 06:16

Resolved

1 - Information

Credit

Missing Doc

1008 Document is Missing

Resolved-The XXXX document is present in the loan file. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. - XXXXX-XX/XX/XXXX

Open-The XXXX document is missing from the loan file. The AUS in the file shows both borrowers income. The XXXX in the file shows only borrower X income. The file presents documentation such as note, deed of trust both being signed by both parties. Please provide the final XXXX that shows both borrowers. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-The XXXX document is present in the loan file. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

XXXXXXXX XXXX.XXX

Primary Residence

Purchase

6854019

N/A

XXXX

10064951

Closed

2026-01-06 04:57

2026-01-14 13:41

Resolved

1 - Information

Credit

Missing Doc

Evidence of Property Tax Missing

Resolved-Evidence of Property Tax is present - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-There are “Ad Valorem’ and “Non-Ad Valorem” taxes in Florida. Ad Valorem taxes are calculated by using the assessed value x mileage rate. Non-Ad Valorem are set taxes that do not change. To accurately calculate FL taxes both must be added together. The Non-Ad Valorem taxes were taken from the existing tax bill. Both documentation are in the file.  - XXXXX-XX/XX/XXXX

Counter-The estimated tax documentation provided in the file shows the estimated taxes as $XX,XXX ($X,XXX.XX monthly), with homestead exemption is $XX,XXX ($X,XXX.XX monthly). The taxes used in approval was for $XX,XXX.XX ($X,XXX.XX monthly. The documentation to support the $XX,XXX.XX was not located in the file. Please provide.  - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-This is new construction. The tax cert is land only. An estimate of taxes from the county’s website was accessed and uploaded.  - XXXXX-XX/XX/XXXX

Open-Missing Evidence of Property Tax Tax amount is not matching in provided tax cert with payment letter and Final CD. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-Evidence of Property Tax is present - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Investment

Purchase

6930409

N/A

XXXX

10064957

Closed

2025-12-28 04:35

2026-01-09 07:57

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 Gap Credit Report is Missing

Resolved-Borrower X Gap Credit Report provided. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-Borrower X Gap Credit Report is not missing. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. - XXXXX-XX/XX/XXXX

Open-Borrower X Gap Credit Report is Missing Gap Credit Report is Missing from file. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-Borrower X Gap Credit Report provided. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-Borrower X Gap Credit Report is not missing. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

XXXXX XXX_XXX (XX).XXX

Investment

Purchase

6824473

N/A

XXXX

10064958

Closed

2025-12-27 09:07

2026-01-12 03:18

Resolved

1 - Information

Credit

Title

Title Coverage is Less than Subject Lien(s) Total

Resolved-Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s) - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. - XXXXX-XX/XX/XXXX

Open-Title Coverage Amount of $XXXXXX is Less than Loan Amount Title coverage amount is lower than the Loan amount. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s) - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

XXX XXXXX XXXXXXXXXX - XXX XXxx XX_XX XX.XXX

Investment

Refinance

No Cash Out - Borrower Initiated

6823458

N/A

XXXX

10064959

Closed

2025-12-27 10:01

2026-01-13 14:00

Resolved

1 - Information

Credit

Missing Doc

1008 Document is Missing

Resolved-Uploaded Rate Lock as Secondary Residence. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded.  - XXXXXX-XX/XX/XXXX

Counter-Pending Rate Lock - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-property is a second home.  can produce a new lock request. let me know if it is needed.. - XXXXX-XX/XX/XXXX

Counter-Rate Lock shows Subject Transaction Primary Residence Purchase. XXXX shows Subject Transaction Second Home Purchased however located same City as Primary Residence.  - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded.  - XXXXXX-XX/XX/XXXX

Open-The XXXX document is missing from the loan file. As Per Loan Approval and Final XXXX as mentioned as Primary Residency where as XXXX Mentioned as Second Home.  - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX

Resolved-Uploaded Rate Lock as Secondary Residence. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

XXXX XXXXX XXXX (XX).XXX

XXXX XXXX XXXXXXXXXXXX.XXX

Primary Residence

Purchase

6823556

N/A

XXXX

10064959

Closed

2025-12-30 07:49

2026-01-07 08:51

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 Gap Credit Report is Missing

Resolved-Borrower X Gap Credit Report is not missing. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. - XXXXX-XX/XX/XXXX

Open-Borrower X Gap Credit Report is Missing Missing Borrower Undisclosed Debt Monitoring. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-Borrower X Gap Credit Report is not missing. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

XXXX XXX.XXX

Primary Residence

Purchase

6851027

N/A

XXXX

10064959

Closed

2025-12-30 07:49

2026-01-07 08:51

Resolved

1 - Information

Credit

Missing Doc

Borrower 2 Gap Credit Report is Missing

Resolved-Borrower X Gap Credit Report is not missing. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. - XXXXX-XX/XX/XXXX

Open-Borrower X Gap Credit Report is Missing Missing Co-Borrower Undisclosed Debt Monitoring. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-Borrower X Gap Credit Report is not missing. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

XXXX XXX.XXX

Primary Residence

Purchase

6851028

N/A

XXXX

10064960

Closed

2026-01-20 00:45

2026-01-27 14:31

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 Gap Credit Report is Missing

Resolved-Borrower X Gap Credit Report is not missing. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXX XXX_XXX (XX).pdf

Primary Residence

Purchase

7173683

N/A

XXXX

10064961

Closed

2026-03-03 12:25

2026-03-12 07:23

Resolved

1 - Information

Credit

Missing Doc

Missing rent comparable schedule form 1007

Resolved-Received explanation for DSCR calculation. The lender is using the lower market rents of $X,XXX not the $X,XXX from the lease. An exception is not needed because the lower market rents from the XXXX is being used. This is a refinance. It’s an Interest Only loan. The hot sheet said for Interest Only to use Initial terms. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. We do not need an exception. The lower rents of $XXXX from the XXXX were used for qualifying. The $XXXX was not considered. - Buyer-XX/XX/XXXX

Open-DSCR: Lease greater than XXX% of XXXX estimate, lease $XXXX - XXXX $XXXX. Missing Exception approval. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXX DSCR.pdf

Investment

Refinance

No Cash Out - Borrower Initiated

7902916

N/A

XXXX

10064961

Closed

2026-01-21 04:29

2026-01-28 17:32

Resolved

1 - Information

Credit

Title

Title Coverage is Less than Subject Lien(s) Total

Resolved-Received updated Title policy. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX

Open-Title Coverage Amount of $XXXXXX is Less than Loan Amount Provide Title coverage sufficient to cover the loan amount of $XXX,XXX. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXX supplement.pdf

Investment

Refinance

No Cash Out - Borrower Initiated

7197762

N/A

XXXX

10064963

Closed

2026-01-08 17:58

2026-01-20 09:18

Resolved

1 - Information

Credit

Missing Doc

Title Document Missing

Resolved-Title Document is fully Present - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX

Counter-The title commitment for the subject property is missing from the loan file. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-please advise which form you are referring to - Buyer-XX/XX/XXXX

Open-Title Document is missing Final Executed title document is missing from file. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Title Document is fully Present - Due Diligence Vendor-XX/XX/XXXX

XXXXX prelim.pdf

Primary Residence

Refinance

Cash Out - Other

6996232

N/A

XXXX

10064965

Closed

2026-01-26 12:57

2026-01-26 12:59

Waived

2 - Non-Material

Credit

Eligibility

Audited FICO is less than Guideline requirements

Waived-Compensating factors were sufficient - Due Diligence Vendor-XX/XX/XXXX

Ready for Review- - Due Diligence Vendor-XX/XX/XXXX

Open-Audited FICO of XXX is less than Guideline FICO of XXX XXXXX - Credit Score. Lender requires XXXXX to have greater than XXX and borrower has XXX - Due Diligence Vendor-XX/XX/XXXX

Compensating factors. - XX/XX/XXXX

Waived-Compensating factors were sufficient - Due Diligence Vendor-XX/XX/XXXX

XX.XX months reserves

Investment

Purchase

7301878

Originator Pre-Close

Yes

XXXX

10064966

Closed

2025-12-28 01:00

2026-01-09 13:16

Resolved

1 - Information

Credit

Missing Doc

1008 Document is Missing

Resolved-The XXXX document is present in the loan file. - Due Diligence Vendor-XX/XX/XXXX

Open-The XXXX document is missing from the loan file. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Name in XXXX is the Alternate Name for borrowers name. Finding not required. Resolved. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-please clarify...vesting is in a trust. this is ok. - Buyer-XX/XX/XXXX

Open-The XXXX document is missing from the loan file. The borrowers name on the XXXX, XXXX XXXXXXXX XXXXX does not match the borrowers name, XXXXXXXX XXXXX XXXXXXX, on the note. - Due Diligence Vendor-XX/XX/XXXX

Resolved-The XXXX document is present in the loan file. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Name in XXXX is the Alternate Name for borrowers name. Finding not required. Resolved. - Due Diligence Vendor-XX/XX/XXXX

Investment

Refinance

Cash Out - Other

6824338

N/A

XXXX

10064966

Closed

2025-12-28 01:31

2026-01-09 03:28

Resolved

1 - Information

Credit

Missing Doc

Hazard Insurance Policy is Missing

Resolved-Hazard Insurance Policy provided. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX

Open-Missing Hazard Insurance Policy The loan file is missing the hazard insurance policy. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Hazard Insurance Policy provided. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-XX/XX/XXXX

XXXXX XXXXXXXXX - XXXX-XX-XXTXXXXXX.XXX.pdf

Investment

Refinance

Cash Out - Other

6824352

N/A

XXXX

10064967

Closed

2025-12-31 00:16

2026-01-07 06:38

Resolved

1 - Information

Credit

Missing Doc

Title Document Missing

Resolved-Title Commitment uploaded, Verified & entered in system - Resolved
- Due Diligence Vendor-XX/XX/XXXX

Resolved-Title Document is fully Present - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX

Open-Title Document is missing Title document is missing from file. Please provide valid title for the subject property. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Title Commitment uploaded, Verified & entered in system - Resolved
- Due Diligence Vendor-XX/XX/XXXX

Resolved-Title Document is fully Present - Due Diligence Vendor-XX/XX/XXXX

XXXXXX PRELIM TITLE COMMITMENT _ BINDER - XXXX-XX-XXTXXXXXX.XXX.pdf

XXXXXX PRELIM TITLE COMMITMENT _ BINDER - XXXX-XX-XXTXXXXXX.XXX.pdf

Primary Residence

Purchase

6866054

N/A

XXXX

10064969

Closed

2025-12-27 08:15

2025-12-30 06:20

Resolved

1 - Information

Compliance

HigherPriced:APR

XXXX - Higher Priced Mortgage Loan (First Lien 06/2013)(Conforming)

Resolved-This is a XXXX Higher-Priced Mortgage Loan (HPML). The loan's APR of (X.XXX%) equals or exceeds the XXXX HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (X.XX%).(Cal. Fin. Code XXXX(a); XX CFR XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. ( XX CFR § XXXX.XX(a)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow . Rate lock date was entered correctly – see Pg#’s XXX An interior and exterior appraisal was completed for this property – see pg XX, the appraisal disclosure was provided to the borrower(s)- see Pg#’s XX, and copy of the appraisal was given to the borrower – see Pg#’s XX for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-XX/XX/XXXX

Open- - Due Diligence Vendor-XX/XX/XXXX

Open- - Due Diligence Vendor-XX/XX/XXXX

Open- - Due Diligence Vendor-XX/XX/XXXX

Open- - Due Diligence Vendor-XX/XX/XXXX

Primary Residence

Purchase

6823339

N/A

XXXX

10064969

Closed

2025-12-27 08:15

2025-12-30 06:20

Resolved

1 - Information

Compliance

HigherPriced:APR

Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming)

Primary Residence

Purchase

6823338

N/A

XXXX

10064970

Closed

2026-02-09 05:58

2026-02-20 07:24

Resolved

1 - Information

Credit

Title

Title Coverage is Less than Subject Lien(s) Total

Resolved-Received updated title policy. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX

Open-Title Coverage Amount of $XXXXXX is Less than Loan Amount Provide Title policy sufficient to cover loan amount $XXX,XXX. - Due Diligence Vendor-XX/XX/XXXX

XXXXXX PRELIM TITLE COMMITMENT _ BINDER - XXXX-XX-XXTXXXXXX.XXX.pdf

Primary Residence

Refinance

Cash Out - Other

7512783

N/A

XXXX

10064974

Closed

2025-12-22 22:32

2026-01-27 20:26

Resolved

1 - Information

Credit

Eligibility

Ineligible Housing History per program guidelines

Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-the program is Sequoia, and the AUS is in the file with an “Approve/Eligible” recommendation that reasonably matches our approval (DTI on AUS is XX%). - Buyer-XX/XX/XXXX

Open-Housing History Does Not Meet Guideline Requirements Borrower currently living for Rent in current address for X years. Need VOR or Rent Check proofs to verify XX Months Housing History.
- Due Diligence Vendor-XX/XX/XXXX

Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-XX/XX/XXXX

Primary Residence

Purchase

6754654

N/A

XXXX

10064974

Closed

2025-12-23 16:42

2026-01-05 08:12

Resolved

1 - Information

Credit

Missing Doc

Rate Lock Document is Missing

Resolved-XXX XXXXX signed off DTI.  - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-higher DTI does not apply. uploaded statements - Buyer-XX/XX/XXXX

Counter-Uploaded Rate Lock shows X year Full Documentation not X year Full Documentation. G/L for Higher DTI.   - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded.  - Buyer-XX/XX/XXXX

Open-Rate Lock missing X year Full Documentation per G/L and XXXX.  - Due Diligence Vendor-XX/XX/XXXX

Resolved-XXX XXXXX signed off DTI. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXX LOCK CONFIRMATION (X).pdf

Primary Residence

Purchase

6777529

N/A

XXXX

10064976

Closed

2026-01-05 22:37

2026-01-12 13:51

Resolved

1 - Information

Credit

Insurance

Hazard Insurance Effective Date is after the Note Date

Resolved-Hazard Insurance Effective Date of XX-XX-XXXX is after the Note Date of XX-XX-XXXX Post closing cd provided showing settlement date of X/X/XXXX - Due Diligence Vendor-XX/XX/XXXX

Resolved-Hazard Insurance Effective Date of XX-XX-XXXX is after the Note Date of XX-XX-XXXX Post closing CD was provided showing disbursement date was not until X/X/XXXX. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Disbursement date is X/X/XXXX - Buyer-XX/XX/XXXX

Open-Hazard Insurance Effective Date of XX-XX-XXXX is after the Note Date of XX-XX-XXXX and disbursement date of XX/XX/XXXX. Provide updated document. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXX POST CONSUMMATION CD (XX).pdf

XXXXXXXX LOE _ EMAIL TO BORROWER (XX).pdf

XXXXXXXX FINAL ALTA SETTLEMENT (XX).pdf

Primary Residence

Purchase

6927708

N/A

XXXX

10064976

Closed

2026-01-05 22:49

2026-01-06 09:05

Waived

2 - Non-Material

Credit

Eligibility

Audited LTV Exceeds Guideline LTV

Waived-Audited LTV of XX% exceeds XXXXXXXXX LTV of XX% As per matrix Qualifying FICO is XX%. Exception is on page XXX. - XXX XXXXXXXXX XXXXX-XX/XX/XXXX

XX.X% DTI is below the maximum XX% DTI by X.X%.
Borrower has been employed at current job for XX years.
Borrower has been employed in same career for XX.XX years.

Primary Residence

Purchase

6927767

Originator Pre-Close

Yes

XXXX

10064976

Closed

2026-01-05 23:27

2026-01-12 13:47

Resolved

1 - Information

Compliance

HigherPriced:APR

Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming)

Resolved-. - XXX XXXXXXXXX XXXXX-XX/XX/XXXX

Open- - XXX XXXXXXXXX XXXXX-XX/XX/XXXX

Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal XXXX threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(X)) This loan failed the higher-priced mortgage loan test. ( XX CFR § XXXX.XX(a)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXXX Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s XXX and the Final Closing disclosure on Pg#’s XXX reflects escrows. Rate lock date was entered correctly – see Pg#’s XXX An interior and exterior appraisal was completed for this property – see pg XX-XX, the appraisal disclosure was provided to the borrower(s)- see Pg#’s XX , and copy of the appraisal was given to the borrower – see Pg#’s XXX for the copy of the disclosure. The loan meets XXXX guidelines. - XXX XXXXXXXXX XXXXX-XX/XX/XXXX

Open- - XXX XXXXXXXXX XXXXX-XX/XX/XXXX

Open- - XXX XXXXXXXXX XXXXX-XX/XX/XXXX

Open- - XXX XXXXXXXXX XXXXX-XX/XX/XXXX

Resolved-. - XXX XXXXXXXXX XXXXX-XX/XX/XXXX

Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal XXXX threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(X)) This loan failed the higher-priced mortgage loan test. ( XX CFR § XXXX.XX(a)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXXX Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s XXX and the Final Closing disclosure on Pg#’s XXX reflects escrows. Rate lock date was entered correctly – see Pg#’s XXX An interior and exterior appraisal was completed for this property – see pg XX-XX, the appraisal disclosure was provided to the borrower(s)- see Pg#’s XX , and copy of the appraisal was given to the borrower – see Pg#’s XXX for the copy of the disclosure. The loan meets XXXX guidelines. - XXX XXXXXXXXX XXXXX-XX/XX/XXXX

Primary Residence

Purchase

6928024

N/A

XXXX

10064976

Closed

2026-01-05 23:27

2026-01-12 13:47

Resolved

1 - Information

Compliance

HigherPriced:APR

XXXX - Higher Priced Mortgage Loan (First Lien 06/2013)(Conforming)

Resolved-. - XXX XXXXXXXXX XXXXX-XX/XX/XXXX

Open- - XXX XXXXXXXXX XXXXX-XX/XX/XXXX

Resolved-This is a XXXXXXXXXX Higher-Priced Mortgage Loan (XXXX). The loan's APR of (X.XXX%) equals or exceeds the XXXXXXXXXX XXXX threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (X.XX%).(Cal. Fin. Code XXXX(a); XX CFR XXXX.XX(a)(X)(X)) This loan failed the higher-priced mortgage loan test. ( XX CFR § XXXX.XX(a)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXXX Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s XXX and the Final Closing disclosure on Pg#’s XXX reflects escrows. Rate lock date was entered correctly – see Pg#’s XXX An interior and exterior appraisal was completed for this property – see pg XX-XX, the appraisal disclosure was provided to the borrower(s)- see Pg#’s XX , and copy of the appraisal was given to the borrower – see Pg#’s XXX for the copy of the disclosure. The loan meets XXXX guidelines. - XXX XXXXXXXXX XXXXX-XX/XX/XXXX

Open- - XXX XXXXXXXXX XXXXX-XX/XX/XXXX

Open- - XXX XXXXXXXXX XXXXX-XX/XX/XXXX

Open- - XXX XXXXXXXXX XXXXX-XX/XX/XXXX

Resolved-. - XXX XXXXXXXXX XXXXX-XX/XX/XXXX

Resolved-This is a XXXXXXXXXX Higher-Priced Mortgage Loan (XXXX). The loan's APR of (X.XXX%) equals or exceeds the XXXXXXXXXX XXXX threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (X.XX%).(Cal. Fin. Code XXXX(a); XX CFR XXXX.XX(a)(X)(X)) This loan failed the higher-priced mortgage loan test. ( XX CFR § XXXX.XX(a)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXXX Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s XXX and the Final Closing disclosure on Pg#’s XXX reflects escrows. Rate lock date was entered correctly – see Pg#’s XXX An interior and exterior appraisal was completed for this property – see pg XX-XX, the appraisal disclosure was provided to the borrower(s)- see Pg#’s XX , and copy of the appraisal was given to the borrower – see Pg#’s XXX for the copy of the disclosure. The loan meets XXXX guidelines. - XXX XXXXXXXXX XXXXX-XX/XX/XXXX

Primary Residence

Purchase

6928025

N/A

XXXX

10064979

Closed

2026-01-26 13:56

2026-01-26 13:58

Waived

2 - Non-Material

Credit

Eligibility

Condo project is ineligible

Waived- - XXX XXXXXXXXX XXXXX-XX/XX/XXXX

Ready for Review- - XXX XXXXXXXXX XXXXX-XX/XX/XXXX

Open-Non-Warrantable Condo - Investor Concentration of XX.X% exceeds max allowed of XX%. - XXX XXXXXXXXX XXXXX-XX/XX/XXXX

Compensating Factors is sufficient - XX/XX/XXXX

XX.XX months reserves, XX.XX% DTI

Investment

Refinance

No Cash Out - Borrower Initiated

7302758

Originator Pre-Close

Yes

XXXX

10064979

Closed

2026-01-07 02:22

2026-01-13 05:53

Resolved

1 - Information

Property

Appraisal

Property/Appraisal General

Resolved- - XXX XXXXXXXXX XXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. - XXXXX-XX/XX/XXXX

Open-Leaving finding open as the exception on page XXX does not reflect the accurate loan amount, ltv, or dti. Please provide the valid exception.

Exception document on # XXX

Exception For : PROPERTY: NON-WARRANTABLE CONDO – INVESTOR X
- XXX XXXXXXXXX XXXXX-XX/XX/XXXX

XXXX XXXXXXXXX XXXXXXXX (XX).XXX

XXX Representative credit score exceeds the minimum required of XXX by XX points
XX% LTV is below the maximum XX% LTV by X%.
XX.XX% DTI is below the maximum XX% DTI by XX.XX%.

Investment

Refinance

No Cash Out - Borrower Initiated

6952765

N/A

XXXX

10064979

Closed

2026-01-07 09:20

2026-01-13 05:51

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 Gap Credit Report is Missing

Resolved-Borrower X Gap Credit Report is not missing. - XXX XXXXXXXXX XXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. - XXXXX-XX/XX/XXXX

Open-Borrower X Gap Credit Report is Missing Per XX, a UDM/Gap report is required. There is no UDM or gap report in the file that is within XX days of closing. - XXX XXXXXXXXX XXXXX-XX/XX/XXXX

Resolved-Borrower X Gap Credit Report is not missing. - XXX XXXXXXXXX XXXXX-XX/XX/XXXX

XXXX XXX.XXX

Investment

Refinance

No Cash Out - Borrower Initiated

6960982

N/A

XXXX

10064979

Closed

2026-01-07 02:17

2026-01-13 00:48

Resolved

1 - Information

Credit

Missing Doc

1008 Document is Missing

Resolved- XXXX document with corrected loan amount provided. - XXX XXXXXXXXX XXXXX-XX/XX/XXXX

Resolved-The XXXX document is present in the loan file. - XXX XXXXXXXXX XXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX

Open-The XXXX document is missing from the loan file. Required Updated Loan amount as $ XXX,XXX. - XXX XXXXXXXXX XXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX

Resolved- XXXX document with corrected loan amount provided. - XXX XXXXXXXXX XXXXX-XX/XX/XXXX

Resolved-The XXXX document is present in the loan file. - XXX XXXXXXXXX XXXXX-XX/XX/XXXX

XXXX XXXXX XXXX (XX).XXX

Investment

Refinance

No Cash Out - Borrower Initiated

6952591

N/A

XXXX

10088804

Closed

2026-01-30 05:42

2026-02-02 08:43

Waived

2 - Non-Material

Credit

Income/Employment

Income/Employment General

Waived-Exception provided on page #XXX. Requested for Income: Number of Business Entities- Corporation & Partnerships. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

(X) Borrower has been employed at current job for XX years.
(X) XX.XXX% LTV is below the maximum XX% LTV by XX.XXX%.
(X) Credit History dating to XXXX. Three mortgages on the credit report with no late payments on any of them, each reporting over XX months.

Primary Residence

Refinance

No Cash Out - Borrower Initiated

7369707

Originator Pre-Close

Yes

XXXX

10088806

Closed

2026-01-20 21:09

2026-01-29 08:11

Resolved

1 - Information

Credit

Missing Doc

1008 Document is Missing

Resolved-XXXX is missing in file, Provided the same, changes made in system, Finding Resolved
- XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-The XXXX document is present in the loan file. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. - XXXXX-XX/XX/XXXX

Open-The XXXX document is missing from the loan file. XXXX document is missing from the file. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

XXX XXXXX XXXX (XX).XXX

Investment

Refinance

Cash Out - Other

7194805

N/A

XXXX

10088808

Closed

2026-01-28 06:51

2026-01-30 13:49

Resolved

1 - Information

Credit

Missing Doc

1008 Document is Missing

Resolved-Corrected XXXX received. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. - XXXXX-XX/XX/XXXX

Open-The XXXX document is missing from the loan file. The XXXX has an insurance amount ($X,XXX) that does not match the Final CD or the First Payment Letter ($X,XXX.XX). - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-Corrected XXXX received. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

XXXXX XXXX-XXXXX.XXX

Primary Residence

Refinance

Cash Out - Other

7327337

N/A

XXXX

10088808

Closed

2026-01-27 21:59

2026-01-30 00:55

Resolved

1 - Information

Credit

Title

Title Coverage is Less than Subject Lien(s) Total

Resolved-Updated title doc provided. Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. - XXXXX-XX/XX/XXXX

Open-Title Coverage Amount of $XXXXXXX is Less than Loan Amount Title Coverage Amount on the XXXX XXXXXXXXXX of $X,XXX,XXX is less than the Loan Amount $X,XXX,XXX. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-Updated title doc provided. Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

XXXXX XXXXXXXXXX.XXX

Primary Residence

Refinance

Cash Out - Other

7323650

N/A

XXXX

10088809

Closed

2026-02-03 14:48

2026-02-05 07:16

Resolved

1 - Information

Credit

Income/Employment

Income and Employment Do Not Meet Guidelines

Resolved-Updated RSU income per documentation provided.  - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-Income and Employment Meet Guidelines - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Open-Income and Employment Do Not Meet Guidelines - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded.  - XXXXX-XX/XX/XXXX

Open-Income and Employment Do Not Meet Guidelines Documentation verifying Other (RSU) Income of XX shares at $XXX.XX missing form file.  - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-Updated RSU income per documentation provided. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-Income and Employment Meet Guidelines - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

XXXXXXX XXX XXXXXXXXX.XXX

XXXXXXX XXX XXXXXXXXX (X).XXX

XXXXXXX XXX XXXXXXXXX (X).XXX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

7426457

N/A

XXXX

10088809

Closed

2026-01-31 09:58

2026-02-05 01:23

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 Gap Credit Report is Missing

Resolved-Gap Credit Report is missing in file, provided the same, changes made in system, Finding Resolved
- XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-Borrower X Gap Credit Report is not missing. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. - XXXXX-XX/XX/XXXX

Open-Borrower X Gap Credit Report is Missing Undisclosed Debt Monitoring or Gap Credit Report is missing from file. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

XXXXXXX UDM_UDN.XXX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

7387717

N/A

XXXX

10088810

Closed

2026-01-26 14:24

2026-02-04 06:11

Waived

2 - Non-Material

Credit

Assets

Cash Out Does Not Meet Guideline Requirements

Waived-Exception is on page. XXX for cashout with less seasoning - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Waived-Compensating factor is sufficient. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Open-Cash Out is not completed according to the guideline requirements Cashout with less than the required ownership seasoning. Borrower received XXX,XXX.XX cash in hand. Borrower purchased subject XXXK on X-X-XX. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Compensating Factors - XX/XX/XXXX

Waived-Exception is on page. XXX for cashout with less seasoning - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Waived-Compensating factor is sufficient. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

XX.XX% DTI is below the maximum XX% DTI by XX.XX%.
Borrower has been employed at current job for X years.

Investment

Refinance

Cash Out - Other

7303201

Originator Pre-Close

Yes

XXXX

10088810

Closed

2026-01-20 04:55

2026-01-28 05:46

Resolved

1 - Information

Compliance

Missing Doc

The Initial 1003 is Missing

Resolved-Received e-sign tracker shows date XXXX was signed off - Due Diligence Vendor-XX/XX/XXXX

Resolved-The Initial XXXX is Present - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX

Open-The Initial XXXX is Missing Initial XXXX signed by the originator is required. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Received e-sign tracker shows date XXXX was signed off - Due Diligence Vendor-XX/XX/XXXX

Resolved-The Initial XXXX is Present - Due Diligence Vendor-XX/XX/XXXX

XXXX X XXXX.XXX

Investment

Refinance

Cash Out - Other

7175085

N/A

XXXX

10088811

Closed

2026-01-30 16:26

2026-02-04 08:54

Resolved

1 - Information

Credit

Missing Doc

1008 Document is Missing

Resolved-Documentation clears the finding. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX

Open-XXXX Document is Missing The Risk assessment is missing on the XXXX. Please provide the final XXXX. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Documentation clears the finding. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXX XXXXX XXXX (X).XXX

Primary Residence

Refinance

Cash Out - Other

7384025

N/A

XXXX

10088811

Closed

2026-01-27 03:12

2026-02-04 04:56

Resolved

1 - Information

Credit

Missing Doc

Missing Lender Income Calculation Worksheet

Resolved-Income worksheet provided. Resolved - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXX XXXX XXX XX.XXX

Primary Residence

Refinance

Cash Out - Other

7307348

N/A

XXXX

10088811

Closed

2026-01-27 21:52

2026-01-30 16:29

Resolved

1 - Information

Compliance

HigherPriced:APR

Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming)

Primary Residence

Refinance

Cash Out - Other

7323598

N/A

XXXX

10088813

Closed

2026-01-22 23:42

2026-01-31 08:31

Resolved

1 - Information

Credit

Missing Doc

Missing Homeowners Association Questionnaire

Resolved-Condo project does not require a Questionnaire due to its size.  Limited Review Condo warranty was received.  Issue resolved. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-X-X units do not require a review.  - Buyer-XX/XX/XXXX

Counter-Condo Warranty received showing Type Q Limited Review.  However, the FNMA Form XXXX "Condominium Project Questionnaire" (or similar document) is still missing. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded.  - Buyer-XX/XX/XXXX

Open-HOA Questionnaire is Missing or Partial. HOA Questionnaire is missing for XXXX XXth St. Condominiums. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Condo project does not require a Questionnaire due to its size. Limited Review Condo warranty was received. Issue resolved. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXX complete condo form.XXX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

7261965

N/A

XXXX

10088814

Closed

2026-01-16 08:36

2026-02-01 10:14

Resolved

1 - Information

Credit

Eligibility

Ineligible Housing History per program guidelines

Resolved-Was able to locate the documentation to support on page XXX and X. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Borrower had private mortgage on primary residence with XXXXXX XXXXX/XXXXXX XXXX XXXXXXX XXX. Copy of the Note was obtained showing there were no monthly payments required for this mortgage. Loan was due in full at the time of refinance.

Borrower completed the refinance X/XX/XXXX; disbursed XX/X/XXXX. Settlement statement was provided showing private mortgage was paid in full.  Xst payment with XXXXXX was due XX/X/XXXX. We documented monthly payments paid in time with mortgage statements. At the time of closing, the loan was current and due to X/X/XXXX.

- Buyer-XX/XX/XXXX

Counter-Reviewed documentation provided in the file. There was no AUS located and it is not referenced on the XXXX. Please provide the documentation to cover a XX month period to fulfill the housing history requirement for the loan.  - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-AUS approved eligible in file please clear  - Buyer-XX/XX/XXXX

Open-Housing History Does Not Meet Guideline Requirements The borrowers housing history doesn't meet GL requirement, required XX months history to meet GL requirement. Borrower living in own house from past X year X months however, provided X months mortgage statements pages XXX-XXX and X month pay history on bank statement page XX.  This mortgage through XXXXXX is not reflected on the credit report and there is no credit supplement is in the file.  - Due Diligence Vendor-XX/XX/XXXX

Resolved-Was able to locate the documentation to support on page XXX and X. - Due Diligence Vendor-XX/XX/XXXX

Investment

Refinance

No Cash Out - Borrower Initiated

7137693

N/A

XXXX

10088815

Closed

2026-01-20 01:59

2026-01-28 17:24

Resolved

1 - Information

Credit

Missing Doc

1008 Document is Missing

Resolved-Received XXXX. - Due Diligence Vendor-XX/XX/XXXX

Resolved-The XXXX document is present in the loan file. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX

Open-The XXXX document is missing from the loan file. Provide XXXX. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Received XXXX. - Due Diligence Vendor-XX/XX/XXXX

Resolved-The XXXX document is present in the loan file. - Due Diligence Vendor-XX/XX/XXXX

XXXXX XXXXX XXXX (XX).XXX

Investment

Refinance

No Cash Out - Borrower Initiated

7173966

N/A

XXXX

10088816

Closed

2026-02-13 09:14

2026-02-13 09:20

Resolved

1 - Information

Compliance

Mavent

System: Database

Resolved- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Open-Lender license types for branch id [Main] are missing from the SDS. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

7609728

N/A

XXXX

10088816

Closed

2026-02-13 09:14

2026-02-13 09:20

Resolved

1 - Information

Compliance

Mavent

Enterprise: Validation

Resolved- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Open-The System could not complete its State Rules Review because of an issue with the Licensing Reviewer (LIC). - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

7609729

N/A

XXXX

10088816

Closed

2026-02-04 04:42

2026-02-13 08:20

Resolved

1 - Information

Credit

Borrower

Discrepancy between 1008 Page Qualifying FICO and actual Qualifying FICO

Resolved-Updated XXXX provided.   - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-updated XXXX rec'd - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded.  - Seller-XX/XX/XXXX

Counter-XXXX provided still is blank on the representative FICO score field.  Provide corrected XXXX to reflect XXX FICO - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded.  - Seller-XX/XX/XXXX

Open-Qualifying FICO on the XXXX XXXX is 'XXX' or blank, but the Qualifying FICO from the Credit Liabilities XXXX is 'XXX' or blank. Qualifying FICO entries do not match.  Please confirm the correct Qualifying FICO value. Variance is present due to different FICO used through qualifying FICO Method. As per the XXXXXXXXXX For borrowers with X scores, the middle score is used. Provide corrected XXXX to reflect XXX FICO - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX

Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX

Resolved-Updated XXXX provided. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-updated XXXX rec'd - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

XXXXX XX XX XXXX FINAL XXXX.pdf

XXXXXX FINAL XXXX (XX).pdf

Primary Residence

Refinance

No Cash Out - Borrower Initiated

7432163

N/A

XXXX

10088817

Closed

2026-01-29 10:53

2026-01-29 10:55

Waived

2 - Non-Material

Credit

Eligibility

Loan does not conform to program guidelines

Waived-Loan does not conform to program XXXXXXXXXX Exception approval form on XXXX XXX for property acreage being over XX acres, Appraisal XXXX XX shows the property Area is XX.XX acres. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

XX.XX% LTV is below the maximum XX% LTV by XX.XX%.
X.XX% DTI is below the maximum XX% DTI by XX.XX%.

Primary Residence

Refinance

Cash Out - Other

7355472

Originator Pre-Close

Yes

XXXX

10088818

Closed

2026-01-21 10:09

2026-02-02 09:00

Resolved

1 - Information

Compliance

Missing Doc

The Final 1003 is Incomplete

Resolved-E-consent received for XXXX. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-signed LO XXXX is not required . please clear - Buyer-XX/XX/XXXX

Counter-Received tracking disclosure, missing loan originator signature from the XXXX disclosure. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX

Open-Missing loan originator signature from the XXXX. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-E-consent received for XXXX. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

XXXXXXX X XXXX.pdf

Primary Residence

Purchase

7210813

N/A

XXXX

10088818

Closed

2026-01-19 03:05

2026-01-21 10:18

Waived

2 - Non-Material

Credit

Eligibility

Loan does not conform to program guidelines

Waived-Loan does not conform to program XXXXXXXXXX Exception made for entity members Are X tax avoidance Trusts. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

X. Borrower(s) have XX.XX months Reserves. Minimum required per XXXXXXXXXX is X months.
X. Borrower employed in same business for more than X years
X. LTV is XX%. Maximum allowed per XXXXXXXXXX is XX%.

Primary Residence

Purchase

7160209

Originator Pre-Close

Yes

XXXX

10088820

Closed

2026-03-05 15:42

2026-03-06 13:29

Resolved

1 - Information

Credit

Missing Doc

Missing VOM or VOR

Resolved-Document Uploaded. Housing History not required per AUS with Approve status. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-we use AUS and housing history. It should be escalated. If we receive an approval, that is sufficient, per the XXXXXXXXXX.

- Buyer-XX/XX/XXXX

Open-Missing VOM required by DU for account #XXXX tied to XXXX X XXXXXXXXX XXXX. XX month payment history evidencing no XX day lates. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-Document Uploaded. Housing History not required per AUS with Approve status. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Screenshot XXXX-XX-XX XXXXXX.png

Primary Residence

Refinance

Cash Out - Other

7957826

N/A

XXXX

10088820

Closed

2026-03-05 15:30

2026-03-06 13:20

Resolved

1 - Information

Credit

Missing Doc

Missing HOA Fee Statement

Resolved-Evidence of Monthly HOA fees provided. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX

Open-Latest HOA Fee Assessment not provided required for PITIA calculation. Latest HOA Fee Assessment not provided required for PITIA calculation for XXX XXXXX XXXXX verifying $XXX per year HOA fee. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-Evidence of Monthly HOA fees provided. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX

XXXX XXX.XXX

Primary Residence

Refinance

Cash Out - Other

7957634

N/A

XXXX

10088820

Closed

2026-02-01 21:03

2026-02-05 09:28

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 Gap Credit Report is Missing

Resolved-Verification of Undisclosed Debt Monitoring provided. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX

Open-Borrower X Gap Credit Report is Missing Gap Credit Report is Missing from file. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-Verification of Undisclosed Debt Monitoring provided. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX

XXXX XXX.XXX

Primary Residence

Refinance

Cash Out - Other

7391020

N/A

XXXX

10088821

Closed

2026-01-28 15:50

2026-02-03 13:08

Resolved

Valuation

Doc Issue

Missing Life of Loan Flood Certificate

Resolved-Flood certificate received for life of loan. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX

Open-Flood certificate is not for life of loan. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-Flood certificate received for life of loan. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX

XXXXXX XXXXX XXXX.XXX

Investment

Refinance

Cash Out - Home Improvement/Reno

7340440

N/A

XXXX

10088830

Closed

2026-01-27 07:49

2026-01-28 09:57

Resolved

1 - Information

Credit

Missing Doc

Hazard Insurance Policy is Missing

Resolved-Hazard Insurance Policy XXXXXXXXX & XXXXXXXXX prior to Note Date and Renewal. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX

Open-Missing Hazard Insurance Policy Missing Hazard Insurance prior policy #XXXXXXXXX period X/XX/XXXX-X/XX/XXXX to support sufficient coverage. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-Hazard Insurance Policy XXXXXXXXX & XXXXXXXXX prior to Note Date and Renewal. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX

XXXXXXXXX XXXXXXXXX XXXX - XXXXX.XXX

Investment

Refinance

Cash Out - Other

7310556

N/A

XXXX

10088830

Closed

2026-01-20 01:41

2026-01-28 09:55

Resolved

1 - Information

Credit

Insurance

Hazard Insurance Effective Date is after the Note Date

Resolved-Requested previous policy provided with effective date that is within the note date, updated & condition resolved. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-Hazard Insurance Effective Date of XX-XX-XXXX is prior to or equal to the Note Date of XX-XX-XXXX Or Hazard Insurance Effective Date Is Not Provided - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX

Open-Hazard Insurance Effective Date of XX-XX-XXXX is after the Note Date of XX-XX-XXXX Provide the Hazard Insurance Policy period of XX/XX/XXXX to XX/XX/XXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX

XXXXXXXXX XXXXX XXX.XXX

XXXXXXXXX XXXXX XXX.XXX

Investment

Refinance

Cash Out - Other

7173899

N/A

XXXX

10088832

Closed

2026-01-21 01:11

2026-01-30 21:18

Resolved

1 - Information

Credit

Eligibility

Ineligible Housing History per program guidelines

Resolved-The documentation is sufficient to resolve the finding. Letter from Landlord - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX

Counter-Per the letter provided the borrower's lease was for XX months. The letter does not reflect when the borrower moved into this residence. The XXXX only reflects borrower being at the address of XXXX XXXXXXXXX XXth XXXXXX #XXX for X year paying the $X,XXX monthly. Prior to that the borrower was living at XXXX XXXXXXXXX XXrd XXXXXX #WXXX for X year paying $X,XXX. Per the guidelines, we need a XX month history of housing. The letter provided and the XXXX have conflicting information. Please provide LOX from both landlords showing specific dates of tenancy.  - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Housing History Does Not Meet Guideline Requirements   - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded.  - Buyer-XX/XX/XXXX

Open-Housing History Does Not Meet Guideline Requirements The borrower is currently paying $X,XXX and $X,XXX in rents. There is no payment history located in the file. Please provide The past XX months of payment history for both rent amount as they total the XX month period or a VOR for both residences at XXXX XXXXXXXXX XXth XXXXXX #XXX and XXXX XXXXXXXXX XXrd XXXXXX #WXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-The documentation is sufficient to resolve the finding. Letter from Landlord - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX

XXX XXXXXXX XXXXXX XXXX XXXXXXXX.XXX

Primary Residence

Purchase

7196582

N/A

XXXX

10088832

Closed

2026-01-21 21:00

2026-01-29 02:34

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 Gap Credit Report is Missing

Resolved-Gap Credit Report Missing in file, Provided the same, changes made in system, Finding Resolved
- XXX XXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-Borrower X Gap Credit Report is not missing. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX

Open-Borrower X Gap Credit Report is Missing. Per the guidelines page XX a gap report (UDM) is required. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX

XXX XXX.XXX

Primary Residence

Purchase

7232091

N/A

XXXX

10088833

Closed

2026-01-15 16:44

2026-01-21 17:46

Resolved

1 - Information

Credit

Eligibility

Ineligible Housing History per program guidelines

Resolved-Housing History Meets Guideline Requirements - XXX XXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-URLA Schedule of Real Estate updated. Page XXX XXXXXXXXXXXX XXXX XXXXXXXX payment history. Page XXX Note and XXX XXXXXXXX XXXXXXXXX XXXXX XXXXXXX XXXXXX, First Due XX/X/XXXX.  - XXX XXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Primary Residence:
The Borrowers current residence is XXXX XXXX XXXXXX XXXX.  A copy of the Note and the payment for December were included in the file.
The Borrower previous primary was XXX XXXXXXX XXXXX XX.  This residence has a HELOC with XXXXXXXX XXXX XXX XXXXX.  Payment was validated thru November.

The subject property had a lien with XXXXX XXXX XXXXXXXXX—payment was validated thru December XXXX.

I have provided an updated URLA with the liens correctly associated.
- Buyer-XX/XX/XXXX

Open-Housing History Does Not Meet Guideline Requirements Guidelines Page XX Missing Primary Residence full XX month mortgage payment history and Subject property mortgage payment history. Subject Transaction CD shows payoff to XXXXXXXXXXXX XXXX XXXXXXXX only. Final XXXX Schedule of Real Estate shows X mortgage liens, please clarify.  - XXX XXXXXXXX XXXXXX-XX/XX/XXXX

XXXXXXX XXXXX XXXX.XXX

Investment

Refinance

No Cash Out - Borrower Initiated

7125332

N/A

XXXX

10088835

Closed

2026-01-20 22:45

2026-02-02 10:52

Resolved

1 - Information

Credit

Assets

Asset 5 Does Not Meet Guideline Requirements

Resolved-Asset X Meets Guideline Requirements Or Not Applicable - XXX XXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX

Counter-Please provide the closing disclosure or wire to support the amount of funds needed to close in the amount of $XXX,XXX.XX. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX

Open-Asset X Does Not Meet Guideline Requirements Please provide copy of wire, deposit of proceeds or closing disclosure to support the funds received from sale in the amount of $XXX,XXX.XX. The closing cd in the file on page XXX reflects a settlement date of XX/XX/XXXX and a disbursement date X/X/XXXX. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX

Resolved-Asset X Meets Guideline Requirements Or Not Applicable - XXX XXXXXXXX XXXXXX-XX/XX/XXXX

XXXX XXXX XXXXXXXX.XXX

XXXX XX XXXTH XX XX. X.XXX

Primary Residence

Purchase

7195791

N/A

XXXX

10088835

Closed

2026-01-22 08:04

2026-02-02 10:21

Resolved

1 - Information

Compliance

TRID Tolerance

Insufficient Tolerance Cure (50001028)

Resolved-Resolved - XXX XXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-CiC not required - the lender credit in Section J is for the overage of the recording fees - Seller-XX/XX/XXXX

Counter-Please provide change of circumstance for the change in recording fees from the initial closing disclosure dated XX/XX/XXXX showing recording fees of $XXX to the final closing disclosure showing recording fees of $XXX. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. Lender Credit listed in Section J - Seller-XX/XX/XXXX

Open-Mortgage Recording Fees increased from $XXX on the CD dated XX/XX/XXXX to $XXX on the Final CD dated X/XX/XXXX. There is no COC in file for this increase. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX

Open- - XXX XXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-CiC not required - the lender credit in Section J is for the overage of the recording fees - Seller-XX/XX/XXXX

Ready for Review-Document Uploaded. Lender Credit listed in Section J - Seller-XX/XX/XXXX

Resolved-Resolved - XXX XXXXXXXX XXXXXX-XX/XX/XXXX

XXXX XX - XXXXXXX X.XXX

Primary Residence

Purchase

7240941

N/A

XXXX

10088835

Closed

2026-01-21 00:11

2026-01-27 02:18

Resolved

1 - Information

Credit

Income/Employment

Income/Employment General

Resolved-Pension income for only B1 is used, Verified & entered in system - Resolved
- XXX XXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review- Pension income for only X borrower used. Please advise - Seller-XX/XX/XXXX

Open-Borrower X receiving Pension income of $X,XXX.XX verified on Page #XXX & Income worksheet is provided for the same on page #XXX whereas the Final XXXX & XXXX not reflecting the Pension Income of BX. Provide clarification or updated Final XXXX & XXXX - XXX XXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review- Pension income for only X borrower used. Please advise - Seller-XX/XX/XXXX

Resolved-Pension income for only B1 is used, Verified & entered in system - Resolved
- XXX XXXXXXXX XXXXXX-XX/XX/XXXX

Primary Residence

Purchase

7196303

N/A

XXXX

10088839

Closed

2026-01-22 01:22

2026-01-29 04:00

Resolved

1 - Information

Credit

Insurance

HO6 Insurance Policy Effective Date is after the Note Date

Resolved-Hazard Insurance Effective Date of XX-XX-XXXX is after the Note Date of XX-XX-XXXX, provided PCCD dated XX-XX-XXXX, after the note date of XX-XX-XXXX, Finding Resolved
- XXX XXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-HO-X Insurance Policy Effective Date of XX-XX-XXXX is after the Note Date of XX-XX-XXXX Hazard Insurance Effective Date of XX-XX-XXXX is after the Note Date of XX-XX-XXXX, provided PCCD dated XX-XX-XXXX, after the note date of XX-XX-XXXX, Finding Resolved
- XXX XXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX

Open-HO-X Insurance Policy Effective Date of XX-XX-XXXX is after the Note Date of XX-XX-XXXX HO-X Insurance policy effective Date of XX-XX-XXXX is after the Note Date of XX-XX-XXXX. Please provide hazard policy that was in effect at the time of closing X/XX/XXXX and no later than the disbursement date of X/XX/XXXX. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX

XXXXXXXX XXXXX.XXX

Primary Residence

Purchase

7236278

N/A

XXXX

10088840

Closed

2026-01-21 22:19

2026-01-29 04:19

Resolved

1 - Information

Credit

Eligibility

Ineligible Housing History per program guidelines

Resolved-Housing History not required when US in file for XXXXX, Finding Resolved - XXX XXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-Housing History Meets Guideline Requirements - XXX XXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-approved AUS in file. this should clear for housing history - Buyer-XX/XX/XXXX

Open-Housing History Does Not Meet Guideline Requirements Provide VOR or evidence of rent payments to cover XX months of pay history. Per the Final XXXX, the borrower rents the current Primary Residence for $X,XXX monthly. VOR or evidence of rent payments needed. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX

Primary Residence

Purchase

7234960

N/A

XXXX

10088841

Closed

2026-01-18 10:40

2026-02-01 10:01

Resolved

1 - Information

Credit

Eligibility

Ineligible Housing History per program guidelines

Resolved-Housing History Meets Guideline Requirements - XXX XXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Lease ended XX/XXXX and have payment proof for XX/XXXX-XX/XXXX XX months. Payments are documented in the bank statements, and labeled for each month.

LOE in file confirms they moved out and living with family rent free since leaving XXXXX XXXXX XXXXXXX XXXXXX XXXX #XE.
There is no payment required for XX/XXXX since they are living rent free.

- Buyer-XX/XX/XXXX

Counter-There was no AUS located in the file nor is it referenced on the XXXX. Please review initial finding and provide the requested documentation. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX

Open-Housing History Does Not Meet Guideline Requirements Borrower has no primary housing expense for the past month. Per the letter on page XXX his lease ended at XXXXX XXXXX XXXXXXX XXXXXX XXXX #XE on XX/XX/XXXX and is currently residing rent free at the residence of XXXX XXXXXXXXXXXX XXX. The lease for the previous address at XXXXX XXXXX XXXXXXX XXXXXX, Unit #XE is on page XXX. Please provide a VOR or XX months of rent receipts required to meet GL housing history requirements. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-approved/eligible AUS in file, please clear - Buyer-XX/XX/XXXX

Resolved-Housing History Meets Guideline Requirements - XXX XXXXXXXX XXXXXX-XX/XX/XXXX

Primary Residence

Purchase

7156391

N/A

XXXX

10088842

Closed

2026-01-20 07:32

2026-02-03 07:29

Resolved

1 - Information

Credit

Spousal Consent Missing

Resolved-Spousal Consent is not required for Business Entity Loans, As Borrower signed note as Entity, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX

Open-In AK, AZ, ID, LA, NM, TX, WA, when a personal guaranty is present, then evidence of spousal consent is also required. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Spousal Consent is not required for Business Entity Loans, As Borrower signed note as Entity, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX

XXXXXX XXXXXX XXXXXXXXXXX - XXXXXXX XXXXXXX XXXX.pdf

Investment

Refinance

No Cash Out - Borrower Initiated

7177989

N/A

XXXX

10088842

Closed

2026-01-20 07:29

2026-01-29 04:04

Resolved

1 - Information

Credit

Title

Title Coverage is Less than Subject Lien(s) Total

Resolved-Title coverage is less than loan amount, provided updated Title document, changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX

Resolved-Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX

Open-Title Coverage Amount of $XXXXXX is Less than Loan Amount The title coverage amount of $XXX,XXX is less than the loan amount of $XXX,XXX. Please provide an updated title. - Due Diligence Vendor-XX/XX/XXXX

XXXXXX XXXXXXXXXX (XX).pdf

Investment

Refinance

No Cash Out - Borrower Initiated

7177918

N/A

XXXX

10088844

Closed

2026-03-03 11:56

Waived

2 - Non-Material

Property

Property has been listed for sale in the past 6 months

Waived-Client elects to waive with the following compensating factors:
Exception page XXX.
Listed for Sale X/XX/XXXX; Removed XX/XX/XXXX; appraised value lower than last listed price - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXXX LTV XX%, Qualifying LTV XX.XX
XXXXXXXXX min FICO XXX, Qualifying FICO XXX
XXXXXXXXX required months reserves X, Qualifying months reserves XX.XX
DEPTH OF PRIOR HOUSING HISTORY X YEARS

Investment

Refinance

Cash Out - Other

7902162

Originator Pre-Close

Yes

XXXX

10088845

Closed

2026-01-20 21:32

2026-01-29 03:55

Resolved

1 - Information

Credit

Eligibility

Fraud Report Shows Uncleared Alerts

Resolved-There are uncleared alerts in fraud Report, provided updated fraud report, changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX

Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Please clarify? LDP/GSA shows no stops - Buyer-XX/XX/XXXX

Open-Fraud Report Shows Uncleared Alerts Provide updated fraud repot with cleared alerts. - Due Diligence Vendor-XX/XX/XXXX

XXXXXX XXX XXX.pdf

Primary Residence

Refinance

Cash Out - Other

7195165

N/A

XXXX

10088845

Closed

2026-01-20 23:20

2026-01-22 14:11

Resolved

1 - Information

Compliance

HigherPriced:APR

Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming)

Primary Residence

Refinance

Cash Out - Other

7196088

N/A

XXXX

10088846

Closed

2026-01-20 21:09

2026-01-30 03:48

Resolved

1 - Information

Compliance

Missing Doc

The Initial 1003 is Missing

Resolved-Received electronic delivery tracking, resolved. - Due Diligence Vendor-XX/XX/XXXX

Resolved-The Initial XXXX is Present - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-LO signature is not required on an initial XXXX. providing the electronic auth should be enough to clear.  - Seller-XX/XX/XXXX

Counter-Counter- initial XXXX is missing the loan originators (loan officer's/brokers) signature. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded.  - Buyer-XX/XX/XXXX

Open-The Initial XXXX is Missing Provided initial XXXX is missing with LO signature in it.  - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-LO signature is not required on an initial XXXX. providing the electronic auth should be enough to clear. - Seller-XX/XX/XXXX

Resolved-Received electronic delivery tracking, resolved. - Due Diligence Vendor-XX/XX/XXXX

Resolved-The Initial XXXX is Present - Due Diligence Vendor-XX/XX/XXXX

XXXXXXX X-XXXXXX XXXX.pdf

Primary Residence

Purchase

7194807

N/A

XXXX

10088846

Closed

2026-01-20 21:09

2026-01-30 03:48

Resolved

1 - Information

Compliance

Missing Doc

The Final 1003 is Incomplete

Resolved-Received XXXX with employment years in line of work completed, resolved. - Due Diligence Vendor-XX/XX/XXXX

Resolved-The Final XXXX is Incomplete - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded.  - Buyer-XX/XX/XXXX

Counter-Counter XXXX reflects X months and X years in line of work. Missing XXXX with years in line of work. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded.  - Buyer-XX/XX/XXXX

Open-The Final XXXX is Incomplete Provided final XXXX is not reflecting years in line of work in current business.  - Due Diligence Vendor-XX/XX/XXXX

Resolved-Received XXXX with employment years in line of work completed, resolved. - Due Diligence Vendor-XX/XX/XXXX

Resolved-The Final XXXX is Incomplete - Due Diligence Vendor-XX/XX/XXXX

XXXXXXX XXXXXX XXXX.pdf

XXXXXXX XXXX.pdf

Primary Residence

Purchase

7194806

N/A

XXXX

10088849

Closed

2026-01-23 13:50

2026-01-25 06:55

Waived

2 - Non-Material

Credit

Income/Employment

Income/Employment General

Waived-Exception present on page #XXX, requested for NSF limits has X nsf's in last X months and a total of. - Due Diligence Vendor-XX/XX/XXXX

XX.XX% LTV is below the maximum XX% LTV by X.XX%.
Borrower has been employed at current job for XX years.
XxXX mortgage history for XX months.

Primary Residence

Refinance

Cash Out - Other

7278246

Originator Pre-Close

Yes

XXXX

10088849

Closed

2026-01-23 12:38

2026-01-25 06:41

Resolved

1 - Information

Compliance

HigherPriced:APR

Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming)

Resolved-The loan's (X.XX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. ( XX CFR § XXXX.XX(a)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg #XXX and the Final Closing disclosure on Pg #XXX reflects escrows. Rate lock date was entered correctly – see Pg #XXX An interior and exterior appraisal was completed for this property – see Pg #XX-XX, the appraisal disclosure was provided to the borrower(s)- see Pg #XXX and copy of the appraisal was given to the borrower – see Pg #XX for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-XX/XX/XXXX

Open- - Due Diligence Vendor-XX/XX/XXXX

Open- - Due Diligence Vendor-XX/XX/XXXX

Open- - Due Diligence Vendor-XX/XX/XXXX

Primary Residence

Refinance

Cash Out - Other

7276965

N/A

XXXX

10088849

Closed

2026-01-23 12:38

2026-01-25 06:41

Resolved

1 - Information

Compliance

HigherPriced:APR

XXXX - Higher Priced Mortgage Loan (First Lien 06/2013)(Conforming)

Resolved-This is a XXXX Higher-Priced Mortgage Loan (HPML). The loan's APR of (X.XX%) equals or exceeds the XXXX HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (X.XX%).(Cal. Fin. Code XXXX(a); XX CFR XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. ( XX CFR § XXXX.XX(a)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg #XXX and the Final Closing disclosure on Pg #XXX reflects escrows. Rate lock date was entered correctly – see Pg #XXX An interior and exterior appraisal was completed for this property – see Pg #XX-XX, the appraisal disclosure was provided to the borrower(s)- see Pg #XXX and copy of the appraisal was given to the borrower – see Pg #XX for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-XX/XX/XXXX

Open- - Due Diligence Vendor-XX/XX/XXXX

Open- - Due Diligence Vendor-XX/XX/XXXX

Open- - Due Diligence Vendor-XX/XX/XXXX

Primary Residence

Refinance

Cash Out - Other

7276968

N/A

XXXX

10088850

Closed

2026-01-16 11:29

2026-01-28 05:58

Resolved

1 - Information

Credit

Missing Doc

1008 Document is Missing

Resolved-The XXXX document is present in the loan file. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX

Open-The XXXX document is missing from the loan file. Please provide the final XXXX that reflects the PITIA of $X,XXX.XX. The XXXX provide has the wrong insurance amount listed. - Due Diligence Vendor-XX/XX/XXXX

Resolved-The XXXX document is present in the loan file. - Due Diligence Vendor-XX/XX/XXXX

XXXXXX XXXX.XXX

Investment

Purchase

7142305

N/A

XXXX

10088850

Closed

2026-01-16 04:01

2026-01-28 03:20

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 3rd Party VOE Prior to Close Missing

Resolved-Per XX's no VOE required. Resolved - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-This is a XX-month BBS loan and requires no verbal VOE or written VOE per guidelines. - Buyer-XX/XX/XXXX
Open-Borrower X Xrd Party VOE Prior to Close Missing. Borrower is self-employed with XXXX. The borrower’s third party VOE in the file is not within XX days of the closing date. Please provide the VOE that is within XX days of the closing date X/X/XXXX. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Per XX's no VOE required. Resolved - Due Diligence Vendor-XX/XX/XXXX

Investment

Purchase

7131524

N/A

XXXX

10088850

Closed

2026-01-16 04:14

2026-01-27 05:59

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 Gap Credit Report is Missing

Resolved-Borrower X Gap Credit Report is not missing. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX

Open-Borrower X Gap Credit Report is Missing Gap Credit Report is Missing from file. Per the guidelines on page XX a gap report is required within XX days of the closing date which was X/X/XXXX. Please provide the gap credit report dated within XX days of closing. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Borrower X Gap Credit Report is not missing. - Due Diligence Vendor-XX/XX/XXXX

XXXXXX XXXXXXX (XX).XXX

Investment

Purchase

7131629

N/A

XXXX

10088851

Closed

2026-01-15 09:19

2026-01-30 03:27

Resolved

1 - Information

Compliance

Missing Doc

The Initial 1003 is Missing

Resolved-Loan is DSCR, No Initial XXXX is required, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX

Resolved-The Initial XXXX is Present - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Our DSCR loans are non-TRID, business purpose loans and an official initial XXXX document is not a required document. Thanks! - Buyer-XX/XX/XXXX

Open-The Initial XXXX is Missing The XXXX is not signed by Loan Originator and the file is missing the Intent to Proceed. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Loan is DSCR, No Initial XXXX is required, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX

Resolved-The Initial XXXX is Present - Due Diligence Vendor-XX/XX/XXXX

Investment

Purchase

7112392

N/A

XXXX

10088855

Closed

2026-02-02 19:01

2026-02-06 09:03

Resolved

1 - Information

Credit

Missing Doc

Hazard Insurance Policy is Missing

Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX

Open-Missing Hazard Insurance Policy Provide Hazard insurance policy for subject property. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-XX/XX/XXXX

XXXXX XXX.pdf

Second Home

Refinance

Cash Out - Other

7408722

N/A

XXXX

10088855

Closed

2026-02-03 03:07

2026-02-04 09:55

Waived

2 - Non-Material

Credit

Eligibility

Audited Loan Amount is greater than Guideline Maximum Loan Amount

Waived-Audited Loan Amount of $XXXXXXX is greater than the Guideline Maximum Loan Amount of $XXXXXXX Exception Approved for $X,XXX,XXX.XX loan amount pXXX. Maximum loan amount per GL is $X,XXX,XXX for a 2nd Home. - Due Diligence Vendor-XX/XX/XXXX

XX% LTV is below the maximum XX% LTV by X%.
XXX Representative credit score exceeds the minimum required of XXX by XX points.
Borrower been in current job over X years.

Second Home

Refinance

Cash Out - Other

7411383

Originator Pre-Close

Yes

XXXX

10088856

Closed

2026-01-13 22:56

2026-02-02 07:08

Resolved

1 - Information

Compliance

Missing Doc

The Initial 1003 is Missing

Resolved-The Initial XXXX is Present - Due Diligence Vendor-XX/XX/XXXX

Resolved-Client has provided the application which is not required to be signed by LO for DSCR. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. initial XXXX is not required to be signed by the LO - Buyer-XX/XX/XXXX

Open-The Initial XXXX is Missing The loan file is missing the borrowers initial application. The application should be signed by the LO as there is no intent to proceed signed in the loan file. - Due Diligence Vendor-XX/XX/XXXX

XXXXXX SIGNED - INITIAL DISCLOSURES - XXXX-XX-XXTXXXXXX.XXX.pdf

XXXXXXX XXXXXX.pdf

Investment

Purchase

7080163

N/A

XXXX

10088857

Closed

2026-01-19 07:59

2026-02-04 05:57

Resolved

1 - Information

Compliance

Missing Doc

The Final 1003 is Incomplete

Resolved-The Final XXXX is Present - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded.  - Seller-XX/XX/XXXX

Counter-Line of work in section 1b and 1c years and months in line of work is blank  - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded.  - Seller-XX/XX/XXXX

Open-The Final XXXX is Incomplete Line of work for both the employers left blank. provide updated final XXXX. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX

Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX

Resolved-The Final XXXX is Present - Due Diligence Vendor-XX/XX/XXXX

XXXXXXX XXXX.pdf

XXXXXXX updated XXXX.pdf

Primary Residence

Refinance

No Cash Out - Borrower Initiated

7164495

N/A

XXXX

10088857

Closed

2026-01-19 05:56

2026-02-03 04:24

Resolved

1 - Information

Credit

Eligibility

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

Resolved-Additional assets provided. Resolved - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Both businesses are on one bank statement calculation sheet. XX #XXXX is for XX XXXXXX XXXXXXX and XXXXXXXXXXXXX and XX #XXXX is for XX XXXXXXXXX XXXXXXX. - Buyer-XX/XX/XXXX

Open-Audited Reserves of X.XX month(s) are less than Guideline Required Reserves of X month(s) Provide additional reserves to meet the min reserves requirement of X months. Missing the bank statements for XXXX with funds in the amount of XX,XXX.XX - Due Diligence Vendor-XX/XX/XXXX

Resolved-Additional assets provided. Resolved - Due Diligence Vendor-XX/XX/XXXX

XXXXXXX bank statement.pdf

Primary Residence

Refinance

No Cash Out - Borrower Initiated

7162520

N/A

XXXX

10088857

Closed

2026-01-19 05:10

2026-02-02 14:20

Resolved

1 - Information

Credit

Missing Doc

Missing Lender Income Calculation Worksheet

Resolved-Received income worksheet  - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded.  - Buyer-XX/XX/XXXX

Open-Bank Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. Provide income calc worksheet for Employer 1 - XX XXXXXX XXXXXXX and XXXXXXXXXXXXX. Both state for XX XXXXXXXXX XXXXXXX in the file.   - Due Diligence Vendor-XX/XX/XXXX

Resolved-Received income worksheet - Due Diligence Vendor-XX/XX/XXXX

XXXXXXX calc worksheet.pdf

Primary Residence

Refinance

No Cash Out - Borrower Initiated

7161632

N/A

XXXX

10088857

Closed

2026-01-20 22:22

2026-01-30 13:17

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 Gap Credit Report is Missing

Resolved-Received gap report updated credit page. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX

Open-Borrower 1 Gap Credit Report is Missing The undisclosed credit monitoring document is missing from file per GL page #XX. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX

Resolved-Received gap report updated credit page. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXX UDN.pdf

Primary Residence

Refinance

No Cash Out - Borrower Initiated

7195648

N/A

XXXX

10088858

Closed

2026-02-02 01:52

2026-02-06 05:18

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 3rd Party VOE Prior to Close Missing

Resolved-Xrd party VOE not required per GL's. Hence resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-This is a bank statement loan. not required. - XXXXX-XX/XX/XXXX

Open-Borrower X Xrd Party VOE Prior to Close Missing A letter from tax professional, regulatory agency, or licensing bureau certifying X years self-employment in the same business AND A phone listing and/or a business address using internet search is missing.
- XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-Xrd party VOE not required per GL's. Hence resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

7392035

N/A

XXXX

10088862

Closed

2026-02-19 08:14

2026-03-11 04:21

Resolved

1 - Information

Credit

Missing Doc

Missing Third Party Market Rent Source (IE. 1007, 1025, etc.)

Resolved-Third party market rent estimate (XXXX) provided under Appraisal finding. Updated & Resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-Validation Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-this is within the appraisal that was uploaded. - XXXXXX-XX/XX/XXXX

Open-Third party market rent estimate is missing, a document establishing third party market rent source is missing from file, such as a XXXX, XXXX, etc. UW comments shows on XXXX used form XXXX market rents for subject property at XX%. However XXXX is missing from file. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-this is within the appraisal that was uploaded. - XXXXXX-XX/XX/XXXX

Investment

Purchase

7697588

N/A

XXXX

10088862

Closed

2026-02-18 19:52

2026-03-11 04:13

Resolved

1 - Information

Property

Missing Doc

Appraisal is Missing

Resolved-Appraisal received, resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-Appraisal is Present or is Waived - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Counter-Missing the attachment for the appraisal, counter. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-appraisal attached - XXXXX-XX/XX/XXXX

Open-Appraisal is Missing Appraisal report is missing from file. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-Appraisal received, resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-Appraisal is Present or is Waived - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

XXXXXX XXXXXXXXX.pdf

Investment

Purchase

7689762

N/A

XXXX

10088862

Closed

2026-02-18 19:40

2026-03-06 05:15

Resolved

1 - Information

Credit

Missing Doc

Borrower 2 Gap Credit Report is Missing

Resolved-Evidence of Undisclosed Debt Monitoring provided, resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-Borrower X Gap Credit Report is not missing. Received UDM report, resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX

Open-Borrower X Gap Credit Report is Missing Missing UDM report. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX

XXXXXX XXX.pdf

Investment

Purchase

7689677

N/A

XXXX

10088862

Closed

2026-02-18 19:40

2026-03-06 05:15

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 Gap Credit Report is Missing

Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX

XXXXXX XXX.pdf

Investment

Purchase

7689676

N/A

XXXX

10088862

Closed

2026-02-20 10:31

2026-02-26 03:42

Resolved

1 - Information

Credit

Doc Issue

Missing proof of hazard insurance

Resolved-Received HOI dec page for additional HOI, resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX

Open-Missing XXXXXXXXXX Fair plan coverage with invoice for X,XXX..XX - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX

Resolved-Received HOI dec page for additional HOI, resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

XXXXXX XXX.pdf

Investment

Purchase

7724920

N/A

XXXX

10088862

Closed

2026-02-20 10:42

2026-02-26 03:41

Resolved

1 - Information

Credit

Title

Title Coverage is Less than Subject Lien(s) Total

Resolved-Received title supplement with loan amount, resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-Title Coverage Amount of $XXXXXXX is equal to or greater than Total Amount of Subject Lien(s) - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX

Open-Title Coverage Amount of $X is Less than Loan Amount Preliminary commitment does not list the insured amount and no supplemental title in file. Title should cover the loan amount of $X,XXX,XXX or greater. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX

XXXXXX XXXXX XXXX.pdf

Investment

Purchase

7725437

N/A

XXXX

10088863

Closed

2026-01-19 21:08

2026-02-06 12:46

Resolved

1 - Information

Credit

Eligibility

Ineligible Housing History per program guidelines

Resolved-Closing Date of X/X/XX so no payment due yet and no other debt was paid off.   - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. HELOC FINAL STATEMENT  - Seller-XX/XX/XXXX

Counter-We will need a copy of the HELOC Note and or closing statement  to verify it's new and no payment history yet.  - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-The lien for XXXX XXXXXXX XXX is a new Home Equity LOAN the borrowers opened, added to REO to account for new payment on that loan. So there is no payment history on this one.  - Seller-XX/XX/XXXX

Open-Housing History Does Not Meet XXXXXXXXX Requirements Unable to verify borrower XX months primary housing payment history, loan for XXXX XXXXXXX not present on credit report and not VOM in file. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. HELOC FINAL STATEMENT - Seller-XX/XX/XXXX

Ready for Review-The lien for XXXX XXXXXXX XXX is a new Home Equity LOAN the borrowers opened, added to REO to account for new payment on that loan. So there is no payment history on this one. - Seller-XX/XX/XXXX

Resolved-Closing Date of X/X/XX so no payment due yet and no other debt was paid off. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

XXXXXXX XXXXX XXXXXXXX.pdf

Primary Residence

Purchase

7172679

N/A

XXXX

10088863

Closed

2026-01-19 21:41

2026-02-05 06:05

Resolved

1 - Information

Credit

Eligibility

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

Resolved-Final settlement statement provided from sale.  - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded.  - Seller-XX/XX/XXXX

Counter-Please provide wire receipt or other evidence of proceeds from sale.  - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Proceeds from sale. This is for the new HELOC they opened.  - Buyer-XX/XX/XXXX

Open-Audited Reserves of  month(s) are less than XXXXXXXXX Required Reserves of X month(s) Missing Secured Borrowed Funds of XXX,XXX per XXXX, to meet the min reserve requirement of X months. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX

Resolved-Final settlement statement provided from sale. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

XXXXXX XXXXXXX XXXXXXXX XXXX XXXX.pdf

Primary Residence

Purchase

7172781

N/A

XXXX

10088863

Closed

2026-01-19 08:00

2026-02-02 05:23

Resolved

1 - Information

Credit

Borrower

Borrower 2 Race Selection is Not Provided

Resolved-Requested Race selection provided, updated & condition resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-Borrower X Race Selection is Provided or is Not Applicable (Number of Borrowers is X) - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX

Open-Borrower X Race Selection is Not Provided Provide updated XXXX with BX demographic info - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

XXXXXXX XXXXXXX (XX).pdf

Primary Residence

Purchase

7164504

N/A

XXXX

10088863

Closed

2026-01-19 08:35

2026-01-30 03:08

Resolved

1 - Information

Compliance

Missing Doc

TRID: Missing Closing Disclosure

Resolved-PCCD uploaded, Verified & entered in system - Resolved
- XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX

Open-TRID: Missing Final Closing Disclosure Per DOT notary signed on X/X/XX. Closing was X/X and disbursement X/X. Provide Final CD with closing date X/X/XX. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX

Resolved-PCCD uploaded, Verified & entered in system - Resolved
- XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

XXXXXX XXXXXXX XXXX.pdf

Primary Residence

Purchase

7165250

N/A

XXXX

10088864

Closed

2026-01-19 10:50

2026-01-20 10:50

Resolved

1 - Information

Compliance

HigherPriced:APR

Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming)

Resolved-The loan's (X.XX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. ( XX CFR § XXXX.XX(a)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’sXXX, and the Final Closing disclosure on Pg#’sXXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#’sXXX,XXX. An interior and exterior appraisal was completed for this property – see pg#’sXX, the appraisal disclosure was provided to the borrower(s)- see Pg#’sXXX,XXX. and confirmation the appraisal was delivered to the borrower – see Pg#’XXX,XXX The loan meets HPML guidelines, resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-The loan's (X.XX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. ( XX CFR § XXXX.XX(a)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’sXXX, and the Final Closing disclosure on Pg#’sXXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#’sXXX,XXX. An interior and exterior appraisal was completed for this property – see pg#’sXX, the appraisal disclosure was provided to the borrower(s)- see Pg#’sXXX,XXX. and confirmation the appraisal was delivered to the borrower – see Pg#’XXX,XXX The loan meets HPML guidelines, resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Primary Residence

Purchase

7167325

N/A

XXXX

10088865

Closed

2026-02-01 22:28

2026-03-23 17:20

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 3rd Party VOE Prior to Close Missing

Resolved-3rd party VOE is missing in file, provided the same, changes made in system, Finding Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-Borrower X 3rd Party VOE Prior to Close Was Provided - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. VVOE attached - Buyer-XX/XX/XXXX

Open-Borrower X 3rd Party VOE Prior to Close Missing Require a 3rd part Verification of Employment for borrower X within XX days of closing either in form of VVOE or business entity search.
- XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

XXXX VVOE.pdf

Primary Residence

Refinance

Cash Out - Other

7391220

N/A

XXXX

10088865

Closed

2026-02-02 00:21

2026-02-24 08:45

Resolved

1 - Information

Compliance

TRID Tolerance

Insufficient Change of Circumstance (50001252)

Resolved-Amount refunded. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX

Counter-The Final CD shows line item XX TITLE - Recording Service Fee to XXXXXXX XXXXX XXXXXXX XX XXXXXXXXXX $XX, which was not included in the initial CD. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-please clarify. i do not see a XX.XX recording service fee on any CD - Buyer-XX/XX/XXXX

Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Inspection Fee, Recording Service Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (XX CFR XXXX.XX(e)(X); XX CFR XXXX.XX(e)(X); XX CFR XXXX.XX(f)(X)(v)). Recording service Fee of $XX was being added from Closing disclosure on X/XX/XX to Final closing disclosure on X/XX/XX Changed Circumstances addressing the increase is required - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX

Resolved-Amount refunded. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

XXXX - XXXXXXXXXX - XXXX.pdf

Primary Residence

Refinance

Cash Out - Other

7391713

N/A

XXXX

10088865

Closed

2026-02-02 00:21

2026-02-09 11:03

Resolved

1 - Information

Compliance

TRID Tolerance

Lender Credits That Cannot Decrease Test (50001262)

Resolved-Documentation clears the finding. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. CIC was provided at time of delivery. attached again showing lender credit reason for decrease - Seller-XX/XX/XXXX

Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Open-The baseline amount of non-specific (lump sum) lender credits and specific lender credits disclosed is ($XXX.XX). The Last CD shows a total lender credit amount of ($X.XX). The following fees "lender credits" have decreased below their baseline amounts (General Lender Credit). Non-specific lender credits are generalized payments that do not pay for a particular fee. Specific lender credits are specific payments to pay for a specific fee. The total amount of non-specific and specific lender credits cannot decrease unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (XX CFR XXXX.XX(e)(X)(i) and comments XX(e)(X)(i)-X and -X; XX CFR XXXX.XX(f)(X)(v); XX CFR XXXX.XX(g)(X); XX CFR XXXX.XX(h)). Lender Credit decreased from Closing disclosure on X/XX/XX of $XXX to Final closing disclosure on XX/XX/XX of $X Changed Circumstances addressing the decrease is required - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. CIC was provided at time of delivery. attached again showing lender credit reason for decrease - Seller-XX/XX/XXXX

Resolved-Documentation clears the finding. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

XXXX XXX.XXX

Primary Residence

Refinance

Cash Out - Other

7391712

N/A

XXXX

10088866

Closed

2026-01-30 09:13

2026-02-18 07:45

Resolved

1 - Information

Credit

Insurance

Hazard Insurance Effective Date is after the Note Date

Resolved-Client provided the PCCD that shows closing was XX/XX/XX and therefore hazard is acceptable. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX

Open-Hazard Insurance Effective Date of XX-XX-XXXX is after the Note Date of XX-XX-XXXX The loan file contains an HOI policy with an effective date of XX/XX/XXXX and closing was XX/XX/XXXX. The loan file is missing evidence of HOI coverage from XX/XX/XXXX to XX/XX/XXXX. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-Client provided the PCCD that shows closing was XX/XX/XX and therefore hazard is acceptable. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

XXXXXXXXXXX XXX.XXX

XXXXXXXXXXX XXXXX XXXX XXXXXXXXXX (XX).XXX

XXXXXXXXXXX XX XX XXXXXXX.XXX

Investment

Purchase

7375598

N/A

XXXX

10088867

Closed

2026-01-29 08:25

2026-02-05 01:16

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 Gap Credit Report is Missing

Resolved-Gap Credit Report is missing in file, provided the same, changes made in system, Finding Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-Borrower X Gap Credit Report is not missing. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX

Open-Borrower X Gap Credit Report is Missing Gap Credit Report is Missing from file. Per the guidelines a UDM is required within XX days of closing. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

XXXXXXXXX XXX.XXX

Primary Residence

Purchase

7351135

N/A

XXXX

10088868

Closed

2026-01-12 23:12

2026-01-20 02:15

Resolved

1 - Information

Credit

Missing Doc

1008 Document is Missing

Resolved-XXXX provided. Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX

Open-The XXXX document is missing from the loan file. The Final XXXX was not provided. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-XXXX provided. Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

XXXXXX XXXX.XXX

Investment

Refinance

Cash Out - Other

7054685

N/A

XXXX

10088869

Closed

2026-01-15 06:58

2026-01-23 06:46

Resolved

1 - Information

Credit

Missing Doc

Missing Third Party Market Rent Source (IE. 1007, 1025, etc.)

Resolved-Missing Third Party Market Rent Source XXXX, as loan is Non-dscr-Purchase/investment, income file, no XXXX is required, Hence Finding Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-Validation Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-This is not required, not using rental income to qualify. - Buyer-XX/XX/XXXX

Open-Third party market rent estimate is missing, a document establishing third party market rent source is missing from file, such as a XXXX, XXXX, etc. Unable to locate the third party rental amount on the appraisal. Please provide the third party rent source. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Investment

Purchase

7107787

N/A

XXXX

10088869

Closed

2026-01-15 08:45

2026-01-23 02:06

Resolved

1 - Information

Credit

Income/Employment

Income/Employment General

Resolved-ownership of borrower in business is Missing , provided Operating agreement, changes made in system, Finding Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX

Open-Borrower is self-employed with bank statement income. Per the guidelines dated XX/XX/XXXX on page XX, formation documents or a letter from the borrowers tax preparer is required. Please provide the documentation to support borrowers ownership in the business. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-ownership of borrower in business is Missing , provided Operating agreement, changes made in system, Finding Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

XXXXX XXXXXXXXX XXXXXXXX.XXX

Investment

Purchase

7110753

N/A

XXXX

10088869

Closed

2026-01-15 07:04

2026-01-23 01:59

Resolved

1 - Information

Credit

Missing Doc

Missing Lender Income Calculation Worksheet

Resolved-Validation Resolved' - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-Income worksheet provided. Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX

Open-Bank Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. Please provide the lender bank statement income calculator for the income from XXXXXX XXXXXXX XXXXXXXX XXX. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-Validation Resolved' - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-Income worksheet provided. Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

XXXXX XXXX XXXXXXXXX XXXXXXXXX (X).XXXX

Investment

Purchase

7107886

N/A

XXXX

10088872

Closed

2026-01-19 05:13

2026-01-27 11:12

Resolved

1 - Information

Compliance

Missing Doc

Missing evidence of rate lock

Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX

Open-Evidence of Rate Lock Missing. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX

Primary Residence

Refinance

Cash Out - Other

7161652

N/A

XXXX

10088872

Closed

2026-01-19 05:14

2026-01-27 11:08

Resolved

1 - Information

Compliance

Fees:Limited

XXXX - Maximum Fees Allowed

Resolved-Resolved - Due Diligence Vendor-XX/XX/XXXX

Open- - Due Diligence Vendor-XX/XX/XXXX

Open- - Due Diligence Vendor-XX/XX/XXXX

Open- - Due Diligence Vendor-XX/XX/XXXX

Open- - Due Diligence Vendor-XX/XX/XXXX

Open- - Due Diligence Vendor-XX/XX/XXXX

Open- - Due Diligence Vendor-XX/XX/XXXX

Open-The XXXX Constitution prohibits fees from exceeding X% of the principal balance on a non-purchase money loan. (Tex. Const. Art. XX Sec. 50(a)(6)(E); X TX ADC Sec. XXX.X) The XXXX Constitution prohibits fees from exceeding X% of the principal balance on a non-purchase money loan. (Tex. Const. Art. XX Sec. 50(a)(6)(E); - Due Diligence Vendor-XX/XX/XXXX

Open- - Due Diligence Vendor-XX/XX/XXXX

Resolved-Resolved - Due Diligence Vendor-XX/XX/XXXX

Primary Residence

Refinance

Cash Out - Other

7161670

N/A

XXXX

10088872

Closed

2026-01-19 05:14

2026-01-27 11:08

Resolved

1 - Information

Compliance

Enterprise:FeeLimits

ER - XXXX Constitution 2% Fee Limit

Resolved-Resolved - Due Diligence Vendor-XX/XX/XXXX

Open- - Due Diligence Vendor-XX/XX/XXXX

Open- - Due Diligence Vendor-XX/XX/XXXX

Open- - Due Diligence Vendor-XX/XX/XXXX

Open- - Due Diligence Vendor-XX/XX/XXXX

Open- - Due Diligence Vendor-XX/XX/XXXX

Open- - Due Diligence Vendor-XX/XX/XXXX

Open-The XXXX Constitution prohibits fees from exceeding X% of the principal balance on a non-purchase money loan. (Tex. Const. Art. XX Sec. 50(a)(6)(E); X TX ADC Sec. XXX.X) The XXXX Constitution prohibits fees from exceeding X% of the principal balance on a non-purchase money loan. (Tex. Const. Art. XX Sec. 50(a)(6)(E) - Due Diligence Vendor-XX/XX/XXXX

Open- - Due Diligence Vendor-XX/XX/XXXX

Resolved-Resolved - Due Diligence Vendor-XX/XX/XXXX

Primary Residence

Refinance

Cash Out - Other

7161671

N/A

XXXX

10088873

Closed

2026-01-21 15:28

2026-01-27 08:36

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 Gap Credit Report is Missing

Resolved-Undisclosed Debt Monitoring XX/XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX

Open-Borrower X Gap Credit Report is Missing ; required Undisclosed Debt Monitoring. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Undisclosed Debt Monitoring XX/XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXXXXXXX

Primary Residence

Purchase

7227148

N/A

XXXX

10088874

Closed

2026-01-16 10:16

2026-01-29 08:45

Resolved

1 - Information

Credit

Unable to verify PITI on other mortgage related obligations (ATR)

Resolved-Verified monthly obligations for XXXX XXXXXXX XXXXXX. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. REO docs attatched - Buyer-XX/XX/XXXX

Counter-Page XXX Final XXXX Schedule of Real Estate includes XXXX XXXXXXX XXXXXX and Page XXX Property report shows Borrower Owner of Record. All monthly obligations including Property Taxes and Hazard Insurance required to be included in Debt to Income Ratio Calculation.  - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. income from this property is not being used to quailify. please clear  - Buyer-XX/XX/XXXX

Open-Missing HOI for XXXX XXXXXXX XXXXXX $XXX.XX month.  - Due Diligence Vendor-XX/XX/XXXX

Resolved-Verified monthly obligations for XXXX XXXXXXX XXXXXX. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXXXXXXXX

XXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX

Primary Residence

Refinance

Cash Out - Other

7140883

N/A

XXXX

10088874

Closed

2026-01-15 22:22

2026-01-21 04:01

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 Gap Credit Report is Missing

Resolved-Gap credit report provided. Resolved - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXXXXXXXX

Primary Residence

Refinance

Cash Out - Other

7129344

N/A

XXXX

10088875

Closed

2026-01-15 21:51

2026-01-21 04:14

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 Gap Credit Report is Missing

Resolved-Gap credit report provided. Resolved - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX

Open-Borrower X Gap Credit Report is Missing Gap Credit Report is Missing from file. Per the guidelines a gap report is required. Please provide the gap report that is within XX business days of closing. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Gap credit report provided. Resolved - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXXXXXXX

Investment

Refinance

Cash Out - Other

7129128

N/A

XXXX

10088878

Closed

2026-01-15 16:10

2026-01-15 16:12

Resolved

1 - Information

Credit

Eligibility

All Interested Parties Not Checked with Exclusionary Lists

Resolved-All Interested Parties Not Checked with Exclusionary Lists EPL search on page #XXX resolves the fail on the Drive report on page #XXX. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Investment

Purchase

7123759

N/A

XXXX

10088879

Closed

2026-01-15 05:59

2026-01-28 03:39

Resolved

1 - Information

Credit

Eligibility

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

Resolved-Updated asset bank statement provided. Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. Confused on this one. We have X months of bank statements and a printout with the URL and overlapping history for the period of X/XX/XXXX – XX/XX/XXXX. Balance as of XX/XX/XXXX is $XXX,XXX.XX. We did not verify the EMD. XXX,XXX.XX - $XX,XXX EMD = XXX,XXX.XX used for verified assets.

- XXXXX-XX/XX/XXXX

Open- XXXX states XXX,XXX.XX in assets. Bank statements provided in file show ending balance of $XX,XXX.XX. This is not sufficient for required X months of reserves.
- XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-Updated asset bank statement provided. Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

XXXXXXX XXXXXX.pdf

Investment

Purchase

7106962

N/A

XXXX

10088880

Closed

2026-01-18 21:35

2026-01-30 03:24

Resolved

1 - Information

Compliance

Missing Doc

The Initial 1003 is Missing

Resolved-Loan is DSCR, No Initial XXXX is required, Finding Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-The Initial XXXX is Present - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-HI this is a DSCR loan. Our DSCR loans are non-TRID, business purpose loans and an official initial XXXX document is not a required document - XXXXX-XX/XX/XXXX

Open-The Initial XXXX is Missing The initial XXXX is missing from the loan file. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-Loan is DSCR, No Initial XXXX is required, Finding Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-The Initial XXXX is Present - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Investment

Refinance

Cash Out - Other

7158159

N/A

XXXX

10088880

Closed

2026-01-20 10:53

2026-01-29 07:29

Resolved

1 - Information

Compliance

Missing Doc

Missing Prepayment Rider

Resolved-The client has provided the note addendum. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. i show this was delivered with the package - XXXXX-XX/XX/XXXX

Open-The note in the file refers to the "attached prepayment rider or addendum", however it is missing from the loan file. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-The client has provided the note addendum. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

LE XXXX XXX XXXXXXXX.pdf

Investment

Refinance

Cash Out - Other

7183550

N/A

XXXX

10088881

Closed

2026-01-14 08:50

2026-01-28 07:07

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 Gap Credit Report is Missing

Resolved-Borrower X Gap Credit Report is not missing. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-Gap credit report provided. Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. - XXXXX-XX/XX/XXXX

Open-Borrower X Gap Credit Report is Missing Borrower X Gap credit report is missing in file. Please provide the gap credit report within XX days of closing date of XX/XX/XXXX. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-Borrower X Gap Credit Report is not missing. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-Gap credit report provided. Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

XXXXXXXXXXX XXX.pdf

Primary Residence

Purchase

7086629

N/A

XXXX

10088881

Closed

2026-01-14 08:50

2026-01-28 07:07

Resolved

1 - Information

Credit

Missing Doc

Borrower 2 Gap Credit Report is Missing

Resolved-Borrower X Gap Credit Report is not missing. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-Gap credit report provided. Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

XXXXXXXXXXX XXX.pdf

Primary Residence

Purchase

7086630

N/A

XXXX

10088881

Closed

2026-01-14 08:56

2026-01-20 02:20

Resolved

1 - Information

Property

Missing Doc

1004D Completion Report is Missing

Resolved-XXXXD provided. Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. - XXXXX-XX/XX/XXXX

Open-XXXXD Completion Report is Missing Unable to locate the XXXXD for the subject to completion reflected on the appraisal dated XX/XX/XXXX with a value of $X,XXX,XXX on page XX-XX. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-XXXXD provided. Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

XXXXXXXXXXX XXXXd.pdf

Primary Residence

Purchase

7086785

N/A

XXXX

10088884

Closed

2026-01-15 05:20

2026-01-21 07:11

Resolved

1 - Information

Credit

Assets

Asset 1 Does Not Meet Guideline Requirements

Resolved-Asset Record X Meets G/L Requirements - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-Proceeds from other REO property CD provided. Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. CD from sale - Buyer-XX/XX/XXXX

Open-Asset Record X Does Not Meet G/L Requirements Assets are coming from proceeds from a cash out. There is no documentation in the file to support the $XXX,XXX needed in this transaction. Provide Wire proof or Transfer to verify the Net sale proceeds funds of $XXX,XXX. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-Asset Record X Meets G/L Requirements - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-Proceeds from other REO property CD provided. Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

XXXXX XX.xxx

Investment

Purchase

7105925

N/A

XXXX

10088884

Closed

2026-01-15 04:30

2026-01-21 03:47

Resolved

1 - Information

Credit

Missing Doc

1008 Document is Missing

Resolved-XXXX provided. Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX

Open-The XXXX document is missing from the loan file. Please provide the final XXXX. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-XXXX provided. Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

XXXXX XXXX.xxx

Investment

Purchase

7105348

N/A

XXXX

10088885

Closed

2026-01-15 04:19

2026-01-27 14:46

Resolved

1 - Information

Credit

Missing Doc

1008 Document is Missing

Resolved-The XXXX document is present in the loan file. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX

Open-The XXXX document is missing from the loan file. The XXXX is missing from the loan file. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-The XXXX document is present in the loan file. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

XXXX XXXXX XXXX (XX).xxx

Investment

Purchase

7105268

N/A

XXXX

10088886

Closed

2026-01-14 23:57

2026-01-22 13:36

Resolved

1 - Information

Compliance

TRID Tolerance

Lender Credits That Cannot Decrease Test (50001262)

Resolved-COC was applied and resolved the issue. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. Please advise. There are no lender credits disclosed on final LE or CD in Section J. - Seller-XX/XX/XXXX

Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Open-The baseline amount of non-specific (lump sum) lender credits and specific lender credits disclosed is ($XX,XXX.XX). The Last CD shows a total lender credit amount of ($XX,XXX.XX). The following fees "lender credits" have decreased below their baseline amounts (Loan Origination Fee). Non-specific lender credits are generalized payments that do not pay for a particular fee. Specific lender credits are specific payments to pay for a specific fee. The total amount of non-specific and specific lender credits cannot decrease unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (XX CFR XXXX.XX(e)(X)(i) and comments XX(e)(X)(i)-X and -X; XX CFR XXXX.XX(f)(X)(v); XX CFR XXXX.XX(g)(X); XX CFR XXXX.XX(h)). - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. Please advise. There are no lender credits disclosed on final LE or CD in Section J. - Seller-XX/XX/XXXX

Resolved-COC was applied and resolved the issue. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

XXXXXXXXXXX XX - XX XXXXXX XXXXXXX.xxx

XXXXXXXXXXX XXXX XX - XX XXXXXX XXXXXXX.xxx

Primary Residence

Refinance

Cash Out - Other

7104053

N/A

XXXX

10088886

Closed

2026-01-14 22:47

2026-01-21 04:39

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 Gap Credit Report is Missing

Resolved-Gap credit report provided. Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX

Open-Borrower X Gap Credit Report is Missing Required Borrower X Undisclosed Debt Monitoring. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-Gap credit report provided. Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

XXXXXXXXXXX XXX.xxx

Primary Residence

Refinance

Cash Out - Other

7103677

N/A

XXXX

10088886

Closed

2026-01-14 23:57

2026-01-22 13:35

Resolved

1 - Information

Compliance

HigherPriced:APR

Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming)

Resolved- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-This is a XXXX Higher-Priced Mortgage Loan (HPML). The loan's APR of (X.XXX%) equals or exceeds the XXXX HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (X.XX%).(Cal. Fin. Code XXXX(a); XX CFR XXXX.XX(a)(X)(i)) - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. ( XX CFR § XXXX.XX(a)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, and loan information is on Pg#XXX and the Final Closing disclosure on Pg#XX s, Finding reflects escrows. Rate lock date was entered correctly – see Pg#XXX , An interior and exterior appraisal was completed for this property – see pg#XX, the appraisal disclosure was provided to the borrower(s)- see Pg#XXand confirmation the appraisal was delivered to the borrower – see Pg#’XXs The loan meets HPML guidelines. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-  - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-  - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-  - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-This is a XXXX Higher-Priced Mortgage Loan (HPML). The loan's APR of (X.XXX%) equals or exceeds the XXXX HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (X.XX%).(Cal. Fin. Code XXXX(a); XX CFR XXXX.XX(a)(X)(i)) - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(i))  This loan failed the higher-priced mortgage loan test. ( XX CFR § XXXX.XX(a)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, and loan information is on Pg#XXX and the Final Closing disclosure on Pg#XX s, Finding reflects escrows. Rate lock date was entered correctly – see Pg#XXX ,  An interior and exterior appraisal was completed for this property – see pg#XX, the appraisal disclosure was provided to the borrower(s)- see Pg#XXand confirmation the appraisal was delivered to the borrower – see Pg#’XXs The loan meets  HPML guidelines.  - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Primary Residence

Refinance

Cash Out - Other

7104054

N/A

XXXX

10088886

Closed

2026-01-14 23:57

2026-01-22 13:35

Resolved

1 - Information

Compliance

HigherPriced:APR

XXXX - Higher Priced Mortgage Loan (First Lien 06/2013)(Conforming)

Resolved- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-This is a XXXX Higher-Priced Mortgage Loan (HPML). The loan's APR of (X.XXX%) equals or exceeds the XXXX HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (X.XX%).(Cal. Fin. Code XXXX(a); XX CFR XXXX.XX(a)(X)(i)) - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-This is a XXXX Higher-Priced Mortgage Loan (HPML). The loan's APR of (X.XXX%) equals or exceeds the XXXX HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (X.XX%).(Cal. Fin. Code XXXX(a); XX CFR XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. ( XX CFR § XXXX.XX(a)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, and loan information is on Pg#XXX and the Final Closing disclosure on Pg#XX s, Finding reflects escrows. Rate lock date was entered correctly – see Pg#XXX , An interior and exterior appraisal was completed for this property – see pg#XX, the appraisal disclosure was provided to the borrower(s)- see Pg#XXand confirmation the appraisal was delivered to the borrower – see Pg#’XXs The loan meets HPML guidelines. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-  - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-  - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-  - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-This is a XXXX Higher-Priced Mortgage Loan (HPML). The loan's APR of (X.XXX%) equals or exceeds the XXXX HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (X.XX%).(Cal. Fin. Code XXXX(a); XX CFR XXXX.XX(a)(X)(i)) - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-This is a XXXX Higher-Priced Mortgage Loan (HPML). The loan's APR of (X.XXX%) equals or exceeds the XXXX HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (X.XX%).(Cal. Fin. Code XXXX(a); XX CFR XXXX.XX(a)(X)(i))  This loan failed the higher-priced mortgage loan test. ( XX CFR § XXXX.XX(a)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, and loan information is on Pg#XXX and the Final Closing disclosure on Pg#XX s, Finding reflects escrows. Rate lock date was entered correctly – see Pg#XXX ,  An interior and exterior appraisal was completed for this property – see pg#XX, the appraisal disclosure was provided to the borrower(s)- see Pg#XXand confirmation the appraisal was delivered to the borrower – see Pg#’XXs The loan meets  HPML guidelines.  - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Primary Residence

Refinance

Cash Out - Other

7104055

N/A

XXXX

10088889

Closed

2026-01-26 14:28

2026-01-26 14:30

Waived

2 - Non-Material

Credit

Cash out funds exceed guideline requirement.

Waived-Compensating factors are sufficient. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Open-Cash out greater than XXXK on loan with XX% LTV. Borrower received XXX,XXX.XX at close. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Compensating Factors - XX/XX/XXXX

Waived-Compensating factors are sufficient. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

XXX FICO and XXX months reserves

Investment

Refinance

Cash Out - Other

7303279

Originator Pre-Close

Yes

XXXX

10088891

Closed

2026-01-16 01:21

2026-01-16 11:23

Resolved

1 - Information

Compliance

HigherPriced:APR

Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming)

Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. ( XX CFR § XXXX.XX(a)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s XXX and the Final Closing disclosure on Pg#’s XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#’s XXX. An interior and exterior appraisal was completed for this property – see pg XX, the appraisal disclosure was provided to the borrower(s)- see Pg#’s XXX, and confirmation the appraisal was delivered to the borrower – see Pg#’s XXX. The loan meets HPML guidelines, resolved.
- XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Primary Residence

Purchase

7130454

N/A

XXXX

10088892

Closed

2026-01-15 07:25

2026-01-28 02:30

Resolved

1 - Information

Credit

Missing Doc

Missing Lender Income Calculation Worksheet

Resolved-Income Calculation Worksheet is  Missing in file, provided the same, changes made in system, Finding Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-Validation Resolved' - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded.  - Buyer-XX/XX/XXXX

Open-Bank Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. Missing Bank statements income calculation Work Sheet.  - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

X'XXXXXXX XXXX XXXXXXXXX XXXXXXXXX XXX XX XX XXXXXXXX (X).XXX XXX.XXX

Primary Residence

Purchase

7108295

N/A

XXXX

10088892

Closed

2026-01-16 13:56

2026-01-27 06:54

Resolved

1 - Information

Credit

Doc Issue

Missing soft pull/refreshed credit report as required by the loan approval.

Resolved-Lender provided undisclosed debt verification report.  - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded.  - Buyer-XX/XX/XXXX

Open-Per XXXXXXX guidelines dated XX/XX/XX, undisclosed debt monitoring (UDM) is set up as part of the underwriting process and pulled before the file heads to closing to discover if there are any new credit accounts acquired by the borrower or any new derogatory items. The fraud report reflects the monitoring not started. Missing proof of udm.  - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-Lender provided undisclosed debt verification report. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

X XXXXXXX XXX_XXX (XX).XXX

Primary Residence

Purchase

7144965

N/A

XXXX

10088892

Closed

2026-01-16 01:24

2026-01-16 13:59

Waived

2 - Non-Material

Credit

Income/Employment

Income documentation does not meet guidelines

Waived-Exception approval form in file pg XXX for no expense factor used. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

XX.XX% LTV is below the maximum XX% LTV by XX.XX%.
XX.XX% DTI is below the maximum XX% DTI by X.XX%.
XXX Representative credit score exceeds the minimum required of XXX by XX points

Primary Residence

Purchase

7130465

Investor Post-Close

XXXX

10088893

Closed

2026-01-15 05:06

2026-02-03 15:10

Resolved

1 - Information

Compliance

Missing Doc

The Deed of Trust is Incomplete

Resolved-The Deed of Trust is Present and Complete - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-Deed of trust doc provided. Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX

Open-The Deed of Trust is Incomplete Deed of Trust Notary page is missing. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-The Deed of Trust is Present and Complete - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-Deed of trust doc provided. Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

XX XXXXX XXX (XX).XXX

Investment

Purchase

7105706

N/A

XXXX

10088896

Closed

2026-01-15 23:03

2026-01-28 12:44

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 Gap Credit Report is Missing

Resolved-Borrower X Gap Credit Report is not missing. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-Gap credit report provided. Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX

Open-Borrower X Gap Credit Report is Missing Per the guidelines dated XX/XX/XXXX on page XX a Gap credit report is required within XX days prior to closing date. Please provide gap credit report within XX days of closing. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-Borrower X Gap Credit Report is not missing. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-Gap credit report provided. Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

XXXXXXXX XXX.XXX

Investment

Refinance

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

7129702

N/A

XXXX

10088896

Closed

2026-01-15 22:26

2026-01-21 04:20

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 3rd Party VOE Prior to Close Missing

Resolved-CPA provided with in 30 days. Resolved - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. letter dated within 30 days of close - Buyer-XX/XX/XXXX

Open-Borrower 1 3rd Party VOE Prior to Close Missing Borrower is self-employed with XXXXXXX XXXXXXX XXXXXXXXX. The borrower’s third-party VOE in the file is not within 30 days of the closing date. Please provide the VOE that is within 30 days of the closing date XX/XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX

Resolved-CPA provided with in 30 days. Resolved - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXX XXX XXXXXX.XXX

Investment

Refinance

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

7129394

N/A

XXXX

10088897

Closed

2026-01-16 14:56

2026-01-26 11:31

Resolved

1 - Information

Compliance

TRID Tolerance

Insufficient Tolerance Cure (50001028)

Resolved-Resolved - Due Diligence Vendor-XX/XX/XXXX

Open- - Due Diligence Vendor-XX/XX/XXXX

Resolved-Resolved - Due Diligence Vendor-XX/XX/XXXX

Open-A Lender Credit for Excess Charges of ($X.XX), Principal Reduction for Excess Charges of ($X.XX), and general or specific lender credit increases of ($XX.XX) were applied to the total fee variance of ($X,XXX.XX) between the baseline disclosure and the last Closing Disclosure. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. - Due Diligence Vendor-XX/XX/XXXX

Open- - Due Diligence Vendor-XX/XX/XXXX

Open- - Due Diligence Vendor-XX/XX/XXXX

Open- - Due Diligence Vendor-XX/XX/XXXX

Counter-The initial CD dated XX/XX/XXXX has a credit of $X,XXX.XX and the final CD dated XX/XX/XXXX has a credit of $X,XXX.XX. A change of circumstance letter needs to be provided to identify the change. - Due Diligence Vendor-XX/XX/XXXX

Counter-There is no COC for total fees and lender credits from the initial CD to final CD. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-one is not required. we had a cure for the fee of XX.XX and CDA and we covered it. this was cured at closing - Buyer-XX/XX/XXXX

Ready for Review-hi please clarify. i don't see a "lender credit"{ increase on the initial or final CD. please clarify which fee increased. - Seller-XX/XX/XXXX

Open-A Lender Credit for Excess Charges of ($X.XX), Principal Reduction for Excess Charges of ($X.XX), and general or specific lender credit increases of ($XX.XX) were applied to the total fee variance of ($X,XXX.XX) between the baseline disclosure and the last Closing Disclosure. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. Provide COC from initial CD to final CD. - Due Diligence Vendor-XX/XX/XXXX

Open- - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-hi please clarify. i don't see a "lender credit"{ increase on the initial or final CD. please clarify which fee increased. - Seller-XX/XX/XXXX

Resolved-Resolved - Due Diligence Vendor-XX/XX/XXXX

Resolved-Resolved - Due Diligence Vendor-XX/XX/XXXX

Primary Residence

Purchase

7146141

N/A

XXXX

10088897

Closed

2026-01-16 15:01

2026-01-26 09:53

Resolved

1 - Information

Credit

Eligibility

Fraud Report Shows Uncleared Alerts

Resolved-Document provided indicates LO is not on FMEL list. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX

Open-Fraud Report Shows Uncleared Alerts Fraud report contains an FMEL exclusionary list fail (page 572). Provide an updated cleared report. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Document provided indicates LO is not on FMEL list. - Due Diligence Vendor-XX/XX/XXXX

XXXXXX XXX_XXX (X).XXX

Primary Residence

Purchase

7146187

N/A

XXXX

10088897

Closed

2026-01-15 05:55

2026-01-26 07:29

Resolved

1 - Information

Compliance

Missing Doc

The Initial 1003 is Missing

Resolved-The document received was sufficient to resolve the finding. Electronic Authorization - Due Diligence Vendor-XX/XX/XXXX

Counter-Provide a legible copy of the final 1003 loan application with the LO signature. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded.  - Seller-XX/XX/XXXX

Counter-Document is corrupt.  Provide a new version. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded.  - Seller-XX/XX/XXXX

Open-The Initial 1003 is Missing Loan Originator Signature on Initial 1003 is missing.  Provide the Initial 1003 with Loan Originator signature.  - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX

Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX

Resolved-The document received was sufficient to resolve the finding. Electronic Authorization - Due Diligence Vendor-XX/XX/XXXX

XXXXXX XXXXXXXXXX XXXX.XXX

XXXXXX XXXXXXXXXX XXXX.XXX

Primary Residence

Purchase

7106938

N/A

XXXX

10088898

Closed

2026-01-15 07:07

2026-02-24 13:46

Cured

2 - Non-Material

Compliance

Tolerance:FinanceCharge

Federal - Foreclosure Rescission Finance Charge Tolerance

Cured-The client acknowledged and refunded the borrower the $XXX difference. - Due Diligence Vendor-XX/XX/XXXX

Open- - Due Diligence Vendor-XX/XX/XXXX

Open- - Due Diligence Vendor-XX/XX/XXXX

Open- - Due Diligence Vendor-XX/XX/XXXX

Open- - Due Diligence Vendor-XX/XX/XXXX

Open- - Due Diligence Vendor-XX/XX/XXXX

Open- - Due Diligence Vendor-XX/XX/XXXX

Open- - Due Diligence Vendor-XX/XX/XXXX

Open- - Due Diligence Vendor-XX/XX/XXXX

Open- - Due Diligence Vendor-XX/XX/XXXX

Open- - Due Diligence Vendor-XX/XX/XXXX

Open- - Due Diligence Vendor-XX/XX/XXXX

Open- - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX

Open-The disclosed finance charge ($XXX,XXX.XX) is ($XXX.XX) below the actual finance charge ($XXX,XXX.XX). For rescission after initiation of foreclosure, the Truth in Lending Act considers the disclosed finance charge inaccurate if it is more than $XX below the actual finance charge. (15 USC Sec. 1635(i)(2); OSC 17(c)(2)(ii)-1) The lender did not include the $XXX courier fee in the finance charge. - Due Diligence Vendor-XX/XX/XXXX

Open- - Due Diligence Vendor-XX/XX/XXXX

Open- - Due Diligence Vendor-XX/XX/XXXX

Open- - Due Diligence Vendor-XX/XX/XXXX

Cured-The client acknowledged and refunded the borrower the $XXX difference. - Due Diligence Vendor-XX/XX/XXXX

XXXX - XXXXXXXXXXXX - XXXX.XXX

XXXX - XXXXXXXXXXXX - XXXXXX.X.XXX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

7107960

N/A

XXXX

10088898

Closed

2026-01-16 10:45

2026-02-24 13:10

Resolved

1 - Information

Credit

Assets

Asset Qualifications do not meet requirements

Resolved-Asset Qualification Meets XXXXXX XXXXXXXXXXXX - Due Diligence Vendor-XX/XX/XXXX

Resolved-Lender provided full cash flow worksheet. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX

Open-Asset Qualifications do not meet requirements Per XXXXXX XXXXXXXXX dated XX/XX/XXXX, Business funds may be used with the following: XXXXX to perform a cash flow analysis to determine that the use of business funds will not have a negative impact on the business, if income from the business is being used to qualify. Missing cash flow analysis. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Asset Qualification Meets XXXXXX XXXXXXXXXXXX - Due Diligence Vendor-XX/XX/XXXX

Resolved-Lender provided full cash flow worksheet. - Due Diligence Vendor-XX/XX/XXXX

XXXX XXXXX XXXXXXXXX XXXXXXXXX (X).XXXX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

7141470

N/A

XXXX

10088898

Closed

2026-01-16 11:37

2026-02-24 07:12

Resolved

1 - Information

Compliance

Tolerance:FinanceCharge

Federal - Finance Charge Disclosure Tolerance (Closed End)

Resolved-Lender provided pccd. - Due Diligence Vendor-XX/XX/XXXX

Resolved- - Due Diligence Vendor-XX/XX/XXXX

Open-The disclosed finance charge ($XXX,XXX.XX) is ($XXX.XX) below the actual finance charge($XXX,XXX.XX). The Truth in Lending Act considers the disclosed finance charge inaccurate if it is more than $XXX below the actual finance charge. (12 CFR 1026.18(d)(1); OSC 17(c)(2)(ii)-1) tbd - Due Diligence Vendor-XX/XX/XXXX

Resolved- - Due Diligence Vendor-XX/XX/XXXX

Open- - Due Diligence Vendor-XX/XX/XXXX

Resolved- - Due Diligence Vendor-XX/XX/XXXX

Open-Escalated to internal mavent for review. - Due Diligence Vendor-XX/XX/XXXX

Open-The disclosed finance charge ($XXX,XXX.XX) is ($XXX.XX) below the actual finance charge($XXX,XXX.XX). The Truth in Lending Act considers the disclosed finance charge inaccurate if it is more than $XXX below the actual finance charge. (12 CFR 1026.18(d)(1); OSC 17(c)(2)(ii)-1) - Due Diligence Vendor-XX/XX/XXXX

Open- - Due Diligence Vendor-XX/XX/XXXX

Resolved- - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX

Open-The disclosed finance charge ($XXX,XXX.XX) is ($XXX.XX) below the actual finance charge($XXX,XXX.XX). The Truth in Lending Act considers the disclosed finance charge inaccurate if it is more than $XXX below the actual finance charge. (12 CFR 1026.18(d)(1); OSC 17(c)(2)(ii)-1) The lender did not include the $XXX courier fee in the finance charge. - Due Diligence Vendor-XX/XX/XXXX

Open- - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX

Resolved-Lender provided pccd. - Due Diligence Vendor-XX/XX/XXXX

XXXX - XXXXXXXXXXXX - XXXX.XXX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

7142461

N/A

XXXX

10088898

Closed

2026-02-24 07:10

2026-02-24 07:12

Resolved

1 - Information

Compliance

Tolerance:Disclosure

Federal - Closing Disclosure Total of Payments Foreclosure Rescission Tolerance

Resolved-Lender provided pccd. - Due Diligence Vendor-XX/XX/XXXX

Resolved- - Due Diligence Vendor-XX/XX/XXXX

Open-The disclosed Total of Payments ($XXX,XXX.XX) is understated by more than $XX when compared to the actual Total of Payments of ($XXX,XXX.XX). The difference is ($XX.XX). After the initiation of foreclosure on the consumer's principal dwelling that secures the credit obligation, Regulation Z considers the disclosed Total of Payments inaccurate if it is understated by more than $XX. (12 CFR 1026.23(h)(2)(ii)) tbd - Due Diligence Vendor-XX/XX/XXXX

Resolved-Lender provided pccd. - Due Diligence Vendor-XX/XX/XXXX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

7777587

N/A

XXXX

10088898

Closed

2026-01-16 11:24

2026-01-21 05:55

Resolved

1 - Information

Credit

Doc Issue

Missing soft pull/refreshed credit report as required by the loan approval.

Resolved-Lender provided proof of undisclosed debt monitoring. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX

Open-Per XXXXXX guidelines dated XX/XX/XX, Undisclosed debt monitoring (UDN) is set up as part of the underwriting process and pulled before the file heads to closing to discover if there are any new credit accounts acquired by the borrower or any new derogatory items. Missing copy of UDN. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Lender provided proof of undisclosed debt monitoring. - Due Diligence Vendor-XX/XX/XXXX

XXXX XXX.XXX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

7142254

N/A

XXXX

10088899

Closed

2026-01-16 05:07

2026-01-22 17:42

Resolved

1 - Information

Credit

Eligibility

Ineligible Housing History per program guidelines

Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-XX/XX/XXXX

Resolved-10-11 months of housing history received. Prior to the origination of that mortgage, the property was owned Free & Clear. Housing History is sufficient. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. The mortgage on this property was originated XX/XX/XX with the first payment due in Feb XXXX. There will not be 12 months of mortgage history. We have 11 months. Please see attached VOM from XXXXXXXXXX. - Buyer-XX/XX/XXXX

Open-Housing History Does Not Meet Guideline Requirements The credit report contained in the loan file reflects two mortgage accounts. The active account with XXXXXXXXXX with a 3 month history and the transferred account with XXXXXXXX reflects a 7 month history for a total of 10 months. The guidelines require a 12 month history for mortgage verification (page XX). - Due Diligence Vendor-XX/XX/XXXX

XXXXXXX XXXXX XXXXXX XX XX.XXX

XXXXXXXX XXX.XXX

Primary Residence

Refinance

Cash Out - Other

7132165

N/A

XXXX

10088900

Closed

2026-01-16 15:00

2026-02-03 12:22

Resolved

1 - Information

Credit

Income/Employment

Income documentation does not meet guidelines

Resolved-The documentation is sufficient to resolve the finding. Letter uploaded. - Due Diligence Vendor-XX/XX/XXXX

Counter-Guidelines Page XX-XX, requirement is to verify Borrower 100% Owner XXX XXXXXXXXX XXXX. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. This loan is treated as a personal comingled bank statements program which does not required to verify 2 years job s/e.
We do have the statement confirming sole proprietor and self filed.
- Buyer-XX/XX/XXXX

Open-Borrower provided Letter of Explanation they Self prepare Federal and State Tax Returns for Sushi and service bar as vendor in a XXXXXXX XXXXXXXXXXX along with their Personal Bank Statements. Guideline Page XX-XX, missing required documentation operating business at least 2 years and Ownership %. Please provide Business License, Food Service License other other documentation to verify Business Ownership % and Experience. - Due Diligence Vendor-XX/XX/XXXX

Resolved-The documentation is sufficient to resolve the finding. Letter uploaded. - Due Diligence Vendor-XX/XX/XXXX

XXXX - XXXXXXXX % XX XXXXXXXXX XXE (XX).XXX

Primary Residence

Purchase

7146181

N/A

XXXX

10088900

Closed

2026-01-15 22:32

2026-01-21 23:48

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 Gap Credit Report is Missing

Resolved-Gap credit report provided. Resolved - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX

Open-Borrower 1 Gap Credit Report is Missing ; Guideline Page XX missing Undisclosed Debt Monitoring. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Gap credit report provided. Resolved - Due Diligence Vendor-XX/XX/XXXX

XXXX XXX.XXX

Primary Residence

Purchase

7129439

N/A

XXXX

10088901

Closed

2026-01-16 12:44

2026-01-28 08:19

Resolved

1 - Information

Credit

Missing Doc

Evidence of Property Tax Missing

Resolved-Evidence of Property Tax is present - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX

Open-Missing Evidence of Property Tax. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Evidence of Property Tax is present - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXX XXX XXXX (XX).XXX

Investment

Refinance

No Cash Out - Borrower Initiated

7143695

N/A

XXXX

10088902

Closed

2026-01-15 23:28

2026-01-29 10:08

Resolved

1 - Information

Property

Missing Doc

1004D Completion Report is Missing

Resolved-Documentation received was sufficient to resolve the finding. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review- - Due Diligence Vendor-XX/XX/XXXX

Counter-As per guidelines Non-QM dated XX/XX/XX, page XX/XX, All appraisals must be performed in accordance with the Uniform Standards of Professional Appraisal Practice and XXXXXX XXX guidelines. The appraisal in file is marked as "Subject To" requiring a 1004D. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-We do not require a 1004D with proof that the water heater was strapped per code.  Photo shows water heater strapped. - Buyer-XX/XX/XXXX

Counter-The appraisal in file is marked as "Subject To" requiring a 1004D.  - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded.  - Buyer-XX/XX/XXXX

Open-1004D Completion Report is Missing  1004D Completion Report is Missing - Due Diligence Vendor-XX/XX/XXXX

Documentation Uploaded - XX/XX/XXXX

Resolved-Documentation received was sufficient to resolve the finding. - Due Diligence Vendor-XX/XX/XXXX

XXXXXX XXXXX XXXXXX XXXXXXX - XX XXXX XXXXXXXX.XXX

Investment

Purchase

7129863

N/A

XXXX

10088902

Closed

2026-01-15 23:21

2026-01-21 04:44

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 Gap Credit Report is Missing

Resolved-Gap credit report provided. Resolved - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX

Open-Borrower X Gap Credit Report is Missing The Undisclosed Credit Monitoring document is missing from file. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Gap credit report provided. Resolved - Due Diligence Vendor-XX/XX/XXXX

XXXXXX XXX.XXX

Investment

Purchase

7129830

N/A

XXXX

10088903

Closed

2026-01-15 10:46

2026-01-28 10:56

Resolved

1 - Information

Credit

Missing Doc

Evidence of Property Tax Missing

Resolved-The documentation received was sufficient to resolve the finding. - Due Diligence Vendor-XX/XX/XXXX

Counter-The LOE provided dated X/XX/XXXX states that the taxes were entered semi-annually to be more in line with appraisal. The taxes on the appraisal are $XX,XXX annually, which is $XXX.XX. The tax amount used in the approval was $XXX.XX monthly which is $XX,XXX.XX annually. Please provide the documentation to support the amount used in the approval of $XXX.XX. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX

Open-Missing Evidence of Property Tax Subject Property Tax cert is missing from file. Please provide the tax documentation to support the annual amount used in the approval of $XX,XXX.XX - Due Diligence Vendor-XX/XX/XXXX

Resolved-The documentation received was sufficient to resolve the finding. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXX XXX.XXX

Second Home

Purchase

7115391

N/A

XXXX

10088903

Closed

2026-01-15 11:04

2026-01-21 04:38

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 Gap Credit Report is Missing

Resolved-Gap credit report provided. Resolved - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX

Open-Borrower X Gap Credit Report is Missing . Per the guidelines on page XX a gap report is required within XX days of the closing date which was XX/XX/XXXX. Please provide the gap credit report dated within XX days of closing. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Gap credit report provided. Resolved - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXX XXX.XXX

Second Home

Purchase

7115823

N/A

XXXX

10088904

Closed

2026-01-15 23:34

2026-01-23 06:08

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 Gap Credit Report is Missing

Resolved-Verification of Undisclosed Debt Monitoring provided.  - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded.  - Buyer-XX/XX/XXXX

Open-Borrower X Gap Credit Report is Missing Gap report is missing in file and verification of Undisclosed Debt Monitoring not in file.  - Due Diligence Vendor-XX/XX/XXXX

Resolved-Verification of Undisclosed Debt Monitoring provided. - Due Diligence Vendor-XX/XX/XXXX

XXXXXX XXX.XXX

Primary Residence

Purchase

7129897

N/A

XXXX

10088904

Closed

2026-01-16 00:39

2026-01-23 06:30

Resolved

1 - Information

Compliance

HigherPriced:APR

Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming)

Resolved-This loan passes XXXX guidelines and is a XXXX Compliant loan. - Due Diligence Vendor-XX/XX/XXXX

Open-This loan failed the higher-priced mortgage loan test. ( XX XXX § XXXX.XX(a)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in XXXXXXXXXX X. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX XXX §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXXX Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg XXX and the Final Closing disclosure on Pg XXX reflects escrows. Rate lock date was entered correctly – see Pg XXX. An interior and exterior appraisal was completed for this property – see Pg XX, the appraisal disclosure was provided to the borrower(s)- see Pg XXX, and copy of the appraisal was given to the borrower – see Pg XXX, XXX for the copy of the disclosure. The loan meets XXXX Guidelines and is a Compliant XXXX loan. - Due Diligence Vendor-XX/XX/XXXX

Open- - Due Diligence Vendor-XX/XX/XXXX

Resolved-The loan's (X.XX%) APR equals or exceeds the Federal XXXX threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX XXX XXXX.XX(a)(X)(i)) The loan meets XXXX Guidelines and is a Compliant XXXX loan.

- Due Diligence Vendor-XX/XX/XXXX

Open- - Due Diligence Vendor-XX/XX/XXXX

Open- - Due Diligence Vendor-XX/XX/XXXX

Open- - Due Diligence Vendor-XX/XX/XXXX

Open- - Due Diligence Vendor-XX/XX/XXXX

Resolved-This loan passes XXXX guidelines and is a XXXX Compliant loan. - Due Diligence Vendor-XX/XX/XXXX

Resolved-The loan's (X.XX%) APR equals or exceeds the Federal XXXX threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX XXX XXXX.XX(a)(X)(i)) The loan meets XXXX Guidelines and is a Compliant XXXX loan.

- Due Diligence Vendor-XX/XX/XXXX

Primary Residence

Purchase

7130291

N/A

XXXX

10088906

Closed

2026-01-16 08:30

2026-01-21 05:47

Resolved

1 - Information

Credit

Income/Employment

Income/Employment General

Resolved-Letter was provided to support ownership of business and that the business is still open and operational. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX

Open-Borrower is self-employed with bank statement income. Per the guidelines dated XX/XX/XXXX on page XX, formation documents or a letter from the borrowers tax preparer is required. Please provide the documentation to support borrowers ownership in the business. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Letter was provided to support ownership of business and that the business is still open and operational. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXX XXXXXXXX % XX XXXXXXXXX XX XXX.XXX

Primary Residence

Purchase

7137499

N/A

XXXX

10088906

Closed

2026-01-15 23:15

2026-01-21 05:46

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 3rd Party VOE Prior to Close Missing

Resolved-Borrower X Xrd Party VOE Prior to Close Was Provided - Due Diligence Vendor-XX/XX/XXXX

Resolved-VOE not required for bank statement program per GL's XX/XX/XXXX page #XX. Resolved - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-this is a bank statement loan per guidelines: BANK STATEMENT
• XX- & XX-months Business Bank statement and Co-Mingled Bank statement income do not require
additional proof of current activity or proof of X years self-employment

Page XX of XX/XX/XXXX
- Buyer-XX/XX/XXXX

Open-Borrower X Xrd Party VOE Prior to Close Missing from file - Due Diligence Vendor-XX/XX/XXXX

Primary Residence

Purchase

7129799

N/A

XXXX

10088908

Closed

2026-01-18 17:24

2026-01-27 05:53

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 Gap Credit Report is Missing

Resolved-Updated the credit screen with the gap report information.  - Due Diligence Vendor-XX/XX/XXXX

Resolved-Borrower X Gap Credit Report is not missing. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded.  - Buyer-XX/XX/XXXX

Open-Borrower X Gap Credit Report is Missing  Gap Credit Report is Missing from file. Per the XXXXXXXXXX on page XX a UDM/Gap credit report is required. This is needed within XX days of closing date of XX/XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Updated the credit screen with the gap report information. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Borrower X Gap Credit Report is not missing. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXXX XXX_XXX (XX).XXX

Primary Residence

Purchase

7157549

N/A

XXXX

10088909

Closed

2026-01-15 04:29

2026-01-21 06:45

Resolved

1 - Information

Credit

Spousal Consent Missing

Resolved- - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX

Open-In AK, AZ, ID, LA, NM, TX, WA, when a personal guaranty is present, then evidence of spousal consent is also required. - Due Diligence Vendor-XX/XX/XXXX

XXXXXX XXXXXXXXXXX.XXX

Attestation reviewed and cleared.

Investment

Purchase

7105332

N/A

XXXX

10088911

Closed

2026-01-16 17:32

2026-01-30 13:42

Resolved

1 - Information

Credit

Spousal Consent Missing

Resolved-Validation Resolved' - Due Diligence Vendor-XX/XX/XXXX

Resolved-Uploaded Grant Deed XX/X/XXXX from Borrowers Spouse for Subject Primary Residence Purchase Transaction.  - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-grant deed in file at time of delivery and attached  - Seller-XX/XX/XXXX

Counter-Per XXXX, Desktop Underwriter, Rate Lock Subject Transaction was Primary Residence Purchased in XXXXXXXXXX State.  - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded.  - Seller-XX/XX/XXXX

Open-XXXXXXXXXX Community Property State, Spousal Consent required.  - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-grant deed in file at time of delivery and attached - Seller-XX/XX/XXXX

Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX

XXXXXXXXX XXXXX XXXXXXX.XXX

XXXXX XXXXX XXXX.XXX

Primary Residence

Purchase

7151289

N/A

XXXX

10088911

Closed

2026-01-16 05:17

2026-01-30 13:38

Resolved

1 - Information

Compliance

Disclosure

Missing PCCD.

Resolved-PCCD, Page XXX Gift Wire to Escrow $XXX,XXX.  - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded.  - Seller-XX/XX/XXXX

Open- - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded.  - Buyer-XX/XX/XXXX

Counter-Please re-uploaded, unable to open and view.  - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded.  - Buyer-XX/XX/XXXX

Open-Guideline Page XX a minimum X% Borrower contribution is required owner occupied when LTV over XX%. Provided PCCD is not reflecting with Gift $XXX,XXX and additional wire amount $XX,XXX which were transferred on XX/XX to settlement agent as per proofs pg- XXX, XXX , XXX, XXX
  - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX

Resolved-PCCD, Page XXX Gift Wire to Escrow $XXX,XXX. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXXX XXXXX XXXXX.XXXX

XXXXXXXXX.XXX

XXXXX XXXXX XXXX.XXX

XXXXXXXXX XXXXX XXXXX.XXXX

XXXXXXXXX.XXX

Primary Residence

Purchase

7132320

N/A

XXXX

10088911

Closed

2026-01-16 02:56

2026-01-27 05:24

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 Gap Credit Report is Missing

Resolved-Gap Credit Report is Missing in file, provided the same, changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX

Resolved-Borrower X Gap Credit Report is not missing. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX

Open-Borrower X Gap Credit Report is Missing ; XXXXXXXXXX Page XX Undisclosed Debt Monitoring required. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX

XXXXXXXXX XXX.XXX

Primary Residence

Purchase

7130972

N/A

XXXX

10088912

Closed

2026-01-15 23:38

2026-01-22 13:02

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 3rd Party VOE Prior to Close Missing

Resolved-Clarification from the Lender received. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-A VVOE for WX employment is not required on the loan as the WX is Officer Compensation from the S/E and not wage earner income. - Buyer-XX/XX/XXXX

Open-Borrower X Xrd Party VOE Prior to Close Missing File is missing the pre-close VOE within XX days of closing for the borrower's job at XXXXXX XXXX, XXX. as a WX employee. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Clarification from the Lender received. - Due Diligence Vendor-XX/XX/XXXX

Primary Residence

Purchase

7129919

N/A

XXXX

10088913

Closed

2026-01-15 21:52

2026-01-21 07:53

Resolved

1 - Information

Compliance

TRID Tolerance

Insufficient Tolerance Cure (50001028)

Open- - Due Diligence Vendor-XX/XX/XXXX

Resolved-The lender credit remained the same, it was split on the initial and final CD. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-hello. please clarify. the buydown rate is XX,XXX.XX which is disclosed on the initial and final CD.. - Buyer-XX/XX/XXXX

Open- - Due Diligence Vendor-XX/XX/XXXX

Open-A Lender Credit for Excess Charges of ($X.XX), Principal Reduction for Excess Charges of ($X.XX), and general or specific lender credit increases of ($XXX.XX) were applied to the total fee variance of ($X,XXX.XX) between the baseline disclosure and the last Closing Disclosure. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. Lender credits increased in Initial CD in H section. - Due Diligence Vendor-XX/XX/XXXX

Open- - Due Diligence Vendor-XX/XX/XXXX

Open- - Due Diligence Vendor-XX/XX/XXXX

Resolved-The lender credit remained the same, it was split on the initial and final CD. - Due Diligence Vendor-XX/XX/XXXX

Primary Residence

Purchase

7129141

N/A

XXXX

10088915

Closed

2026-01-15 03:07

2026-01-21 04:47

Resolved

1 - Information

Credit

Missing Doc

Business Purpose Affidavit is Missing

Resolved-Business purpose affidavit provided. Resolved - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX

Open-The XXXX Page Loan Type is 'DSCR' but the Business Purpose Affidavit Disclosure Indicator on the XXXX is 'Missing', and on the Business Purpose V2 Page is 'Missing'. Business Purpose Affidavit is required for a DSCR loan. Initial Business Purpose Affidavit Disclosure document missing from file. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Business purpose affidavit provided. Resolved - Due Diligence Vendor-XX/XX/XXXX

XXXX XXXXXXXX XXXXXXX XXXXXXXXX.pdf

Investment

Purchase

7104779

N/A

XXXX

10088916

Closed

2026-01-20 11:15

2026-01-22 10:25

Waived

2 - Non-Material

Property

Appraisal

Property/Appraisal General

Waived-Exception present on page #XXX, requested for Non-Warrantable condo- investor concentration>XX%
- Due Diligence Vendor-XX/XX/XXXX

XX.XX% LTV is below the maximum XX% LTV by XX.XX%.
XXX Representative credit score exceeds the minimum required of XXX by XXX points
$XXX,XXX reserves exceed the minimum required of $X,XXX exceeds the minimum by XX months over the required minimum.

Investment

Purchase

7184253

Originator Pre-Close

Yes

XXXX

10088917

Closed

2026-01-22 23:43

2026-02-10 13:38

Resolved

1 - Information

Credit

Eligibility

Ineligible Housing History per program guidelines

Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-XX/XX/XXXX

Resolved-XX months housing history payments verified per page's #XX,XXX,XXX,XXX,XXX,XXX,XXX,XXX,XXX,XXX,XXX,XXX,XXX,XXX. Hence resolved - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-On the VOR, we have XX months bank statements XXXX XX XXXXXXX xXXXX showing rent payment to XXXXXXXX XXXXXXXX for the last XX months and a screenshot from the internet when typing in the address List XXXXXXXX APT. - Buyer-XX/XX/XXXX

Open-Housing History Does Not Meet Guideline Requirements Borrower was living in rent past X years, X months payment history page's #XX, XXX, XXX, XXX, however required VOR/ minimum XX months housing history to meet GL requirement. - Due Diligence Vendor-XX/XX/XXXX

Primary Residence

Purchase

7261971

N/A

XXXX

10088917

Closed

2026-01-21 03:25

2026-02-06 07:17

Resolved

1 - Information

Compliance

TRID Tolerance

Insufficient Tolerance Cure (50001028)

Resolved- - Due Diligence Vendor-XX/XX/XXXX

Open- - Due Diligence Vendor-XX/XX/XXXX

Rescinded-COC in file and provided - Due Diligence Vendor-XX/XX/XXXX

Open- - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-hello, please clarify which fee is causing the variance. - Seller-XX/XX/XXXX

Open-A Lender Credit for Excess Charges of ($X.XX), Principal Reduction for Excess Charges of ($X.XX), and general or specific lender credit increases of ($XX.XX) were applied to the total fee variance of ($XX.XX) between the baseline disclosure and the last Closing Disclosure. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. Lender credit $XX.XX added on Final CD, required COC to cure the tolerance. - Due Diligence Vendor-XX/XX/XXXX

Open- - Due Diligence Vendor-XX/XX/XXXX

Open- - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-hello, please clarify which fee is causing the variance. - Seller-XX/XX/XXXX

Resolved- - Due Diligence Vendor-XX/XX/XXXX

Rescinded-COC in file and provided - Due Diligence Vendor-XX/XX/XXXX

Primary Residence

Purchase

7197262

N/A

XXXX

10088917

Closed

2026-01-23 09:02

2026-02-06 07:16

Resolved

1 - Information

Credit

Eligibility

Audited DTI Exceeds Guideline DTI Requirements

Resolved-Audited DTI of XX.XX% is less than or equal to Guideline DTI of XX% - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. uploaded an updated Income worksheet,  XXXX and documents related to Child support,  Court statements in-file and receipt on Bank Statements, using only support from one source as documented on the bank statements but there are X court letters for each parent, Receives Child support for borrowers Granddaughter from the Mother and the Father.   Only using support from Daughter-  DTI at XX.XX - Buyer-XX/XX/XXXX

Counter- Income reflected on the final XXXX is $X,XXX.XX for self-employment, which match our income calculation and the income calculation worksheet provided to us.  Adding in the $XXXX rental income results in an income of $X,XXX.XX.  The additional $XXXX in income is reflected as rental income on the final XXXX.  Where is the additional $XXXX coming from? - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-For the X unit property each unit has XXXX market rents of X,XXX.XX, used only X,XXX.XX at XX% = X,XXX.XX ,   Total Income used is X,XXX.XX which includes Self-employment of X,XXX.XX and X,XXX.XX net rental .  Total dets is PITI of X,XXX.XX and XXX.XX other Liability, total X,XXX.XX.   X,XXX.XX/ X,XXX.XX= XX.XXX.. - Seller-XX/XX/XXXX

Open-Audited DTI of XX.XX% exceeds Guideline DTI of XX% DTI is not within guidelines due to the rental income being used for audit being less than the amount used at the time of origination.  Subject property is a X unit property.  With the purchase being for a primary residence, one X unit can be used for rental income.  Using the XX percent vacancy factor per page XX Lender Guidelines, the total amount of net rental income being used for the subject property is $XXXX.  Please provide documentation to support the additional $XXXX net rental income being used for qualification at the time of origination. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-For the X unit property each unit has XXXX market rents of X,XXX.XX, used only X,XXX.XX at XX% = X,XXX.XX , Total Income used is X,XXX.XX which includes Self-employment of X,XXX.XX and X,XXX.XX net rental . Total dets is PITI of X,XXX.XX and XXX.XX other Liability, total X,XXX.XX. X,XXX.XX/ X,XXX.XX= XX.XXX.. - Seller-XX/XX/XXXX

Resolved-Audited DTI of XX.XX% is less than or equal to Guideline DTI of XX% - Due Diligence Vendor-XX/XX/XXXX

XXXXXX XXXX.pdf

Primary Residence

Purchase

7270739

N/A

XXXX

10088919

Closed

2026-01-28 17:30

2026-01-30 06:26

Resolved

1 - Information

Compliance

Interest:Accrual

XXXX - Interest Rate Accrual Warning (Civ. Code)

Resolved-Received PCD and reran mavent all clear - Due Diligence Vendor-XX/XX/XXXX

Resolved-Resolved - Due Diligence Vendor-XX/XX/XXXX

Open-Under the XXXX Civil Code, a Lender may not begin to accrue interest on a loan secured by X-X unit dwelling on real property located in XXXX prior to one day before the loan proceeds are disbursed to the Borrower or to the Borrower's designee. (Cal. Civ. Code XXXX.X) . - Due Diligence Vendor-XX/XX/XXXX

Resolved-Received PCD and reran mavent all clear - Due Diligence Vendor-XX/XX/XXXX

Resolved-Resolved - Due Diligence Vendor-XX/XX/XXXX

Primary Residence

Refinance

Cash Out - Other

7341343

N/A

XXXX

10088919

Closed

2026-01-19 00:00

2026-01-30 06:26

Resolved

1 - Information

Compliance

Rescission:Disbursement

Federal - Right of Rescission (Loan Disbursement Violation) (TILA)

Resolved-Received PCD and reran mavent all clear - Due Diligence Vendor-XX/XX/XXXX

Resolved-. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Loan disbursed on X/XX we are in compliance - Buyer-XX/XX/XXXX

Open-The loan disbursement date (XXXX-XX-XX) is earlier than, or the same day as, the calculated "Right to Cancel Expire Date" (XXXX-XX-XX). Under Regulation Z, funds may not be disbursed to the borrower until after the expiration of the rescission period. (Reg Z, XX CFR XXXX.XX(c) and Official Staff Commentary) Right to cancel document showing cancel date is XX/XX/XXXX, required updated Right to cancel with correct dates. - Due Diligence Vendor-XX/XX/XXXX

Open- - Due Diligence Vendor-XX/XX/XXXX

Resolved-Received PCD and reran mavent all clear - Due Diligence Vendor-XX/XX/XXXX

Resolved-. - Due Diligence Vendor-XX/XX/XXXX

XXX XXXX.pdf

Primary Residence

Refinance

Cash Out - Other

7159277

N/A

XXXX

10088920

Closed

2026-01-19 04:28

2026-02-04 06:46

Resolved

1 - Information

Compliance

Missing Doc

TRID: Missing Closing Disclosure

Resolved-PCCD uploaded. Disbursement date is X/XX/XXXX. Resolved.  - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded.  - Buyer-XX/XX/XXXX

Counter-Final CD shows disbursement date of X/X/XXXX. Need an updated Final CD. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-loan funded and disbursed X/XX...the notary date is not a factor - Buyer-XX/XX/XXXX

Open-TRID: Missing Final Closing Disclosure Disbursement date XX/X/XXXX on Final CD is prior to the Notary date XX/X/XXXX. Provide updated Final Closing Disclosure  - Due Diligence Vendor-XX/XX/XXXX

Resolved-PCCD uploaded. Disbursement date is X/XX/XXXX. Resolved. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXX XXXX.XXX

Investment

Refinance

No Cash Out - Borrower Initiated

7161091

N/A

XXXX

10088921

Closed

2026-01-16 14:27

2026-01-27 06:06

Resolved

1 - Information

Credit

Corporation/LLC: Certificate of Good Standing Document is missing

Resolved-Client has provided evidence borrowing entity is in good standing. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX

Open-The XXXXXXXXX under Entity Vesting, for LLC, documentation is required to show the entity is in good standing. The loan file is missing evidence the borrowers business, XXXXXXX XXXXXXXXXX, is active or in good standing. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Client has provided evidence borrowing entity is in good standing. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXX XXXXXXXX XXXX XXXXXXXX (XX).XXX

Investment

Refinance

Cash Out - Other

7145545

N/A

XXXX

10088923

Closed

2026-01-21 01:25

2026-01-29 07:07

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 Gap Credit Report is Missing

Resolved-Gap credit Report Missing in file, Provided the same, changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX

Resolved-Borrower X Gap Credit Report is not missing. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX

Open-Borrower X Gap Credit Report is Missing Gap Report is Missing in File as the credit report is ranged for more than XX days a gap credit report dated within XX days of closing is required.
- Due Diligence Vendor-XX/XX/XXXX

XXXXX UDM_UDN (XX).XXX

Primary Residence

Refinance

Cash Out - Other

7196630

N/A

XXXX

10088923

Closed

2026-01-20 23:15

2026-01-29 07:05

Resolved

1 - Information

Credit

Missing Doc

Missing Lender Income Calculation Worksheet

Resolved-Income Worksheet Missing in file, Provided the same, changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX

Resolved-Validation Resolved' - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX

Open-Bank Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. Bank Statement Summary Lender Worksheet is missing in file. - Due Diligence Vendor-XX/XX/XXXX

XXXXX XXXXXX XXXX XXXXXXXXX.XXX

Primary Residence

Refinance

Cash Out - Other

7196034

N/A

XXXX

10088928

Closed

2026-01-20 00:58

2026-01-29 03:51

Resolved

1 - Information

Credit

Title

Title Coverage is Less than Subject Lien(s) Total

Resolved-Title coverage is less than loan amount, provided updated Title document, changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX

Resolved-Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX

Open-Title Coverage Amount of $XXXXXX is Less than Loan Amount Provide Title Coverage sufficient to cover loan amount of $XXX,XXX. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXX XXXXXXX XXXXXX.XXX

Investment

Refinance

Cash Out - Other

7173735

N/A

XXXX

10088929

Closed

2026-01-18 05:00

2026-02-26 08:24

Resolved

1 - Information

Credit

Missing Doc

Missing Lender Income Calculation Worksheet

Resolved-Resaved - Due Diligence Vendor-XX/XX/XXXX

Resolved-Received income worksheets. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX

Counter-Missing lender worksheet for business bank statements. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX

Open-Bank Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. Bank Statement Summary Lender Worksheet for both BX and BX is missing from file. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX

Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX

Resolved-Resaved - Due Diligence Vendor-XX/XX/XXXX

Resolved-Received income worksheets. - Due Diligence Vendor-XX/XX/XXXX

XXXXXX XXXXXX XXXXXXXXX.XXX

XXXXXX XXXX XXXX XXXXXXXXX XXX XX.XXX

XXXXXX XXXX XXXX XXXXXXXXX XXX XX.XXX

Primary Residence

Purchase

7155957

N/A

XXXX

10088929

Closed

2026-01-21 12:59

2026-02-26 08:24

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 3rd Party VOE Prior to Close Missing

Resolved-Borrower X Xrd Party VOE Prior to Close Was Provided - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded.  - Seller-XX/XX/XXXX

Counter-CPA received is not dated within XX days of the Note. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded.  - Seller-XX/XX/XXXX

Counter-VOEs provided missing dates within XXXXXXXXX requirements. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded.  - Seller-XX/XX/XXXX

Open-Borrower X Xrd Party VOE Prior to Close Missing Missing verification of active business within XX days of note date missing from the file. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded.  - Seller-XX/XX/XXXX

Ready for Review-Document Uploaded.  - Seller-XX/XX/XXXX

Ready for Review-Document Uploaded.  - Seller-XX/XX/XXXX

Resolved-Borrower X Xrd Party VOE Prior to Close Was Provided - Due Diligence Vendor-XX/XX/XXXX

XXXXXX XXX XXXXXX XXXXXXX XXXXXX XXX.XXX

XXXXXX XXX - XXXX XXXX.XXX

XXXXXX XXX.XXX

Primary Residence

Purchase

7222950

N/A

XXXX

10088929

Closed

2026-01-21 12:59

2026-02-26 08:24

Resolved

1 - Information

Credit

Missing Doc

Borrower 2 3rd Party VOE Prior to Close Missing

Resolved-Borrower X Xrd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals X) - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX

Counter-VOEs provided missing dates within XXXXXXXX requirements. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX

Open-Borrower X Xrd Party VOE Prior to Close Missing X. Missing verification of active business within XX days of note date missing from the file.
X. Missing verification of employment for wage employment dated XX days prior to note date. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX

Resolved-Borrower X Xrd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals X) - Due Diligence Vendor-XX/XX/XXXX

XXXXXX XXX - XXXXX.XXX

XXXXXX XXX XXXXXX - XXXXXX XXXXX.XXX

XXXXXX XXX.XXX

Primary Residence

Purchase

7222951

N/A

XXXX

10088929

Closed

2026-01-21 15:08

2026-01-30 07:39

Resolved

1 - Information

Credit

Title

Title Coverage is Less than Subject Lien(s) Total

Resolved-Title Coverage Amount of $XXXXXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX

Counter-Title received for wrong borrower. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX

Open-Title Coverage Amount of $X is Less than Loan Amount Insufficient coverage listed on the title report. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX

Resolved-Title Coverage Amount of $XXXXXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-XX/XX/XXXX

XXXXXX XXXXXX.XXX

XXXXXX XXXX XXXXXX.XXX

Primary Residence

Purchase

7226825

N/A

XXXX

10088930

Closed

2026-01-15 21:14

2026-01-27 15:16

Resolved

1 - Information

Compliance

Missing Doc

The Initial 1003 is Missing

Resolved-Document Uploaded. Documentation received was sufficient to resolve the finding. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. hopefully this one is good  - Buyer-XX/XX/XXXX

Counter-File is corrupt and won't open. Please reupload.  - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded.  - Buyer-XX/XX/XXXX

Open-The Initial XXXX is Missing Loan Originator signature is missing on Initial XXXX, Provide updated Initial XXXX with Loan Originator signature.  - Due Diligence Vendor-XX/XX/XXXX

Resolved-Document Uploaded. Documentation received was sufficient to resolve the finding. - Due Diligence Vendor-XX/XX/XXXX

XXXXX XXXXXXXXX XXXX.XXX

XXXXX XXXXXXXXX XXX.XXX

XXXXX XXXXXXXXX XXXX.XXX

Primary Residence

Purchase

7128889

N/A

XXXX

10088930

Closed

2026-01-16 02:37

2026-01-21 07:07

Resolved

1 - Information

Compliance

TRID Tolerance

Lender Credits That Cannot Decrease Test (50001262)

Resolved-The lender credit decreased by $XXX; however, the closing cost also decreased. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-what is being cured? lender credit is reduced. borrower is not paying more... - Seller-XX/XX/XXXX

Open- - Due Diligence Vendor-XX/XX/XXXX

Open-The baseline amount of non-specific (lump sum) lender credits and specific lender credits disclosed is ($XX,XXX.XX). The Last CD shows a total lender credit amount of ($XX,XXX.XX). The following fees "lender credits" have decreased below their baseline amounts (General Lender Credit). Non-specific lender credits are generalized payments that do not pay for a particular fee. Specific lender credits are specific payments to pay for a specific fee. The total amount of non-specific and specific lender credits cannot decrease unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (XX CFR XXXX.XX(e)(X)(i) and comments XX(e)(X)(i)-X and -X; XX CFR XXXX.XX(f)(X)(v); XX CFR XXXX.XX(g)(X); XX CFR XXXX.XX(h)). The baseline amount of non-specific (lump sum) lender credits and specific lender credits disclosed is ($XX,XXX.XX) which decreases in the Last Final CD shows a total lender credit amount of ($XX,XXX.XX). Provide COC to cure the tolerance - Due Diligence Vendor-XX/XX/XXXX

Open- - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-what is being cured? lender credit is reduced. borrower is not paying more... - Seller-XX/XX/XXXX

Resolved-The lender credit decreased by $XXX; however, the closing cost also decreased. - Due Diligence Vendor-XX/XX/XXXX

Primary Residence

Purchase

7130841

N/A

XXXX

10088930

Closed

2026-01-15 23:59

2026-01-21 06:51

Resolved

1 - Information

Credit

Missing non-subject rental income documentation

Resolved-Utilized rental estimate as there is no lease agreement. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-estimated rents provided. no lease agreement - Buyer-XX/XX/XXXX

Open-Provide Lease agreement to verify the Monthly Rental Income of $X,XXX for property "XX XXXXXXXX XXXXX" - Due Diligence Vendor-XX/XX/XXXX

Resolved-Utilized rental estimate as there is no lease agreement. - Due Diligence Vendor-XX/XX/XXXX

Primary Residence

Purchase

7130053

N/A

XXXX

10088933

Closed

2026-01-26 04:01

2026-01-27 15:25

Waived

2 - Non-Material

Credit

Assets

Asset Qualifications do not meet requirements

Waived-The client elects to waive with the following compensating factors. - Due Diligence Vendor-XX/XX/XXXX

Open-Asset Qualifications do not meet requirements We have exception in file on page #XXX& Findings for "Assets being used for Asset Depletion are not seasoned and are from the sale of business out of a divorce" - Due Diligence Vendor-XX/XX/XXXX

Waived-The client elects to waive with the following compensating factors. - Due Diligence Vendor-XX/XX/XXXX

XX.X% DTI is below the maximum XX% DTI by XX.X%.
XXX Representative credit score exceeds the minimum required of XXX by XX points
$XXX,XXX reserves exceed the minimum required of $XXX,XXX exceeds the minimum by XX months over the required minimum.

Primary Residence

Purchase

7290804

Originator Pre-Close

Yes

XXXX

10088933

Closed

2026-01-19 02:31

2026-01-26 03:52

Resolved

1 - Information

Credit

Missing underwriting exception form

Resolved-Requested exception request with full exception comment provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX

Open-Exception Type comment on provided Exception Approval Form page #XXX is incomplete or not clear. Provide updated Exception Approval Form - Due Diligence Vendor-XX/XX/XXXX

Resolved-Requested exception request with full exception comment provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXX XXXX XXXXXXXXX XXXXXXXX.XXX

Primary Residence

Purchase

7160060

N/A

XXXX

10088935

Closed

2026-01-21 15:16

2026-01-25 08:49

Waived

2 - Non-Material

Credit

Eligibility

Ineligible Housing History per program guidelines

Waived- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. exception in file covers this. - XXXXX-XX/XX/XXXX

Open-Housing History Does Not Meet XXXXXXXXX Requirements unable to confirmed borrowers primary housing history - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Waived- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

XXXX XXXX XXXXXXXXX XXXXXX.pdf

XX% LTV is below the maximum XX% LTV by X%.
XXX Representative credit score exceeds the minimum required of XXX by XX points
$XXX,XXX reserves exceed the minimum required of $XX,XXX exceeds the minimum by XX months over the required minimum.

Investment

Purchase

7226905

Originator Pre-Close

Yes

XXXX

10088937

Closed

2026-01-26 14:38

2026-01-26 14:41

Waived

2 - Non-Material

Credit

Eligibility

Audited LTV Exceeds Guideline LTV

Waived-Compensating factor is sufficient. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Open-Audited LTV of XX% exceeds XXXXXXXXX LTV of XX% Novice - LTV at XX exceeds max allowed of XX%, should be reduced by X%. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Compensating factors - XX/XX/XXXX

Waived-Compensating factor is sufficient. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

XX months reserves

Investment

Purchase

7303393

Originator Pre-Close

Yes

XXXX

10088938

Closed

2026-01-30 06:30

2026-02-05 07:58

Resolved

1 - Information

Credit

Income/Employment

Income/Employment General

Resolved-Received monthly statement for proof of income. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. - XXXXX-XX/XX/XXXX

Open-Provide documentation to verify IRA for Borrower X and Retirement income for Borrower X.
- XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-Received monthly statement for proof of income. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

XXXXXXXX IRA.pdf

Primary Residence

Refinance

Cash Out - Other

7370709

N/A

XXXX

10088938

Closed

2026-01-30 03:02

2026-02-05 07:56

Resolved

1 - Information

Credit

Missing Doc

Missing Lender Income Calculation Worksheet

Resolved-Income Worksheet is missing in file, provided the same, changes made in system, Finding Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-Validation Resolved' - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. - XXXXX-XX/XX/XXXX

Open-Bank Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. Provide Income Calculator for Borrower X wage income calculation. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

XXXXXXXXX XXXX XXXXXXXXX.pdf

Primary Residence

Refinance

Cash Out - Other

7366137

N/A

XXXX

10088939

Closed

2026-01-20 22:59

2026-01-29 03:34

Resolved

1 - Information

Credit

Insurance

Hazard Insurance Effective Date is after the Note Date

Resolved-Hazard Insurance Effective Date of XX-XX-XXXX is after the Note Date of XX-XX-XXXX Hazard Insurance Effective Date of XX-XX-XXXX is after the Note Date of XX-XX-XXXX, provided PCCD dated XX-XX-XXXX, after the note date of XX-XX-XXXX, Finding Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. - XXXXX-XX/XX/XXXX

Open-Hazard Insurance Effective Date of XX-XX-XXXX is after the Note Date of XX-XX-XXXX The policy in the file was not effective until X/XX/XXXX. The closing date was X/X/XXXX with a disbursement date of X/X/XXXX. Please provide policy that was effective at the time of closing and/or disbursement. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

XXXXXXX XXXX.pdf

Primary Residence

Purchase

7195927

N/A

XXXX

10088941

Closed

2026-01-15 12:47

2026-01-27 07:50

Resolved

1 - Information

Compliance

Missing Doc

TRID: Missing Closing Disclosure

Resolved-TRID: Final Closing Disclosure Provided - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. CD signed at closing attached  - XXXXX-XX/XX/XXXX

Counter-The signed CD in file is dated after closing.  Please provide the fully executed CD from the time of closing. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-hello please clarify. i show the initial CD and the CD signed at closing has been provided. the PCCD has not been generated and these are typically not signed by anyone.  - XXXXX-XX/XX/XXXX

Open-TRID: Missing Final Closing Disclosure The initial and the PCCD are in file and fully executed.  The final CD fully executed from the closing date of XX/XX/XXXX is missing from the loan file. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-TRID: Final Closing Disclosure Provided - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

XXXX XX XXXXXX XX XXXXX.pdf

Primary Residence

Refinance

Cash Out - Other

7118368

N/A

XXXX

10088943

Closed

2026-01-19 06:35

2026-02-03 09:34

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 Gap Credit Report is Missing

Resolved-Borrower X Gap Credit Report is not missing. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-Gap report provided. Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. - XXXXX-XX/XX/XXXX

Open-Borrower X Gap Credit Report is Missing Gap Credit Report is Missing from file. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-Borrower X Gap Credit Report is not missing. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-Gap report provided. Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

XXXXX XXX.pdf

Primary Residence

Refinance

Cash Out - Other

7163017

N/A

XXXX

10088943

Closed

2026-01-19 07:36

2026-01-20 13:00

Resolved

1 - Information

Compliance

HigherPriced:APR

Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming)

Primary Residence

Refinance

Cash Out - Other

7163995

N/A

XXXX

10088944

Closed

2026-01-14 15:37

2026-02-03 08:34

Resolved

1 - Information

Credit

Missing subject rental income documentation

Resolved-XXXX Third Party Market Rent shows X units Tenant Occupied. Finding had been added to document X units Lease agreements and receipt of rents to use higher Rent of Lease Agreements.  However, Finding shows X Unit Vacant. Used Lower of Third Party Market Rent for X Unit $X,XXX. X Units $X,XXX and $X,XXX Tenant Occupied with Lease Agreements and X months receipt rental income/Security Deposit and Xst months Rent. Effective Monthly Income $X,XXX.  - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Unit X aka XXXX West XXth -lease amount $XXXX < market rents
Unit X aka XXXXWest XXth- receipt of X months rents $XXXX >market rents (receipt attached)
Unit X aka XXXX XXXXX XX – receipt of security deposit & first month’s rent $XXXX/month (on the XX statement that was already in file but attached here as well)
Total $X,XXX
- Buyer-XX/XX/XXXX

Counter-Lease Agreements are for Subject Property X Units. Subject is Cash Out Refinance, there is not a Gift Letter. Guidelines Page XX missing documentation LTR rental income $X,XXX and $X,XXX of X months receipt. Page XXX Lease Agreement Tenant XXXXX X XXXX and Page XXX Tenant XXXXXXX X XXXXXX Rental Deposits not shown on Page XX XXXXX XXXXX statement xxXXXX.  - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-please clarify this condition. what address for the lease agreement are you referencing. Also, XXXXX XXXXX does show payments of (X) XK and one payment of XXX.XX from XXXXXXXXX XXXXX. Please clarify gift letter request? this condition is not clear on what you are asking for.  - Buyer-XX/XX/XXXX

Open-Page XXX Lease Agreement Tenant XXXXX X XXXX and Page XXX Tenant XXXXXXX X XXXXXX Rental Deposits not shown on Page XX XXXXX XXXXX statement xxXXXX. G/L missing documentation LTR rental income $X,XXX and $X,XXX of X months receipt. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXX XXXXXXX XX XXXX XXXXXXXX (X).pdf

XXXXXXX XXXX XXXXXXX.pdf

Investment

Refinance

Cash Out - Other

7096480

N/A

XXXX

10088945

Closed

2026-01-14 23:48

2026-01-20 13:37

Resolved

1 - Information

Credit

Missing Doc

Missing Lender Income Calculation Worksheet

Resolved-Income Calculators received. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX

Open-Bank Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. Lender's Income Calculation Worksheets (both the self-employment & the Asset Depletion) are missing from the file. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Income Calculators received. - Due Diligence Vendor-XX/XX/XXXX

XXXXXX XXXXXX XXXXXXX XXX XXXXXXX XXXXXXXX XXXXXXXXXXXXX.xlsx

XXXXXX XXXXXX XXXXXXXX.pdf

Primary Residence

Purchase

7104017

N/A

XXXX

10088945

Closed

2026-01-15 00:13

2026-01-20 13:36

Resolved

1 - Information

Credit

Eligibility

Ineligible Housing History per program guidelines

Resolved-Verifying housing payments, not reported on the credit report, can be eliminated if the following is present:
o File receives an AUS approve (AUS should be provided by broker, must reasonably match transaction terms) - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX

Open-Housing History Does Not Meet Guideline Requirements Per the Final XXXX, the borrower rents the current primary residence for $X,XXX per month. The file is missing a VOR or verification of rental payments paid. - Due Diligence Vendor-XX/XX/XXXX

XXXXXX XXX XX XXXX XXXXXXX XXXXXXX.pdf

Primary Residence

Purchase

7104115

N/A

XXXX

10088945

Closed

2026-01-15 00:38

2026-01-20 13:35

Resolved

1 - Information

Credit

Missing Doc

Hazard Insurance Policy is Missing

Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX

Open-Missing Hazard Insurance Policy The Hazard Insurance Policy for the subject property is missing from the file. Per the Final CD, the policy was for $X,XXX.XX to XXXXX XXXXXXXXX. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-XX/XX/XXXX

XXXXXX XXX.pdf

Primary Residence

Purchase

7104213

N/A

XXXX

10088946

Closed

2026-03-11 14:05

Resolved

1 - Information

Credit

Missing Doc

Title Document is Incomplete

Resolved-Final Title Document received. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Due Diligence Vendor-XX/XX/XXXX

Open- - Due Diligence Vendor-XX/XX/XXXX

Resolved-Final Title Document received. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXXXXXXXXX XXXX XXXXXX.pdf

Primary Residence

Purchase

8055099

N/A

XXXX

10088946

Closed

2026-01-18 22:01

2026-01-28 02:32

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 Gap Credit Report is Missing

Resolved-Gap Credit Report Missing in file, provided the same, changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX

Resolved-Borrower X Gap Credit Report is not missing. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX

Open-Borrower X Gap Credit Report is Missing from file. Per the guidelines on page XX, a Undisclosed Debt Monitoring Report (UDM) or gap report is required XX days prior to closing. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXX XXX.pdf

Primary Residence

Purchase

7158264

N/A

XXXX

10088949

Closed

2026-01-16 12:17

2026-01-27 09:34

Resolved

1 - Information

Compliance

Missing Doc

TRID: Missing Initial Closing Disclosure

Resolved-Initial CD updated. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX

Open-TRID: Missing Closing Disclosure Initial Closing Disclosure is missing from file. Required Initial CD to perform the Mavent - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX

Resolved-Initial CD updated. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX

XXXXXX XXXXXX XX.XXX

Primary Residence

Purchase

7143187

N/A

XXXX

10088949

Closed

2026-01-27 02:27

2026-01-27 09:33

Resolved

1 - Information

Compliance

TRID Tolerance

Insufficient Tolerance Cure (50001028)

Resolved-Resolved - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX

Open-A Lender Credit for Excess Charges of ($X.XX), Principal Reduction for Excess Charges of ($X.XX), and general or specific lender credit increases of ($X.XX) were applied to the total fee variance of ($X,XXX.XX) between the baseline disclosure and the last Closing Disclosure. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. Lender Credits increased from initial le to Final Cd and there is no coc to cure the tolerance - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX

Open- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-Resolved - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX

Primary Residence

Purchase

7307111

N/A

XXXX

10088949

Closed

2026-01-16 08:45

2026-01-21 07:57

Resolved

1 - Information

Compliance

Missing Doc

The Initial 1003 is Missing

Resolved-Electronic Signature - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX

Open-The Initial XXXX is Missing the loan originator signature. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX

Resolved-Electronic Signature - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX

XXXXXX XXXXXXXXXX XXXXXX.XXX

Primary Residence

Purchase

7138001

N/A

XXXX

10088949

Closed

2026-01-16 10:18

2026-01-21 07:56

Resolved

1 - Information

Credit

Missing Doc

Hazard Insurance Policy is Partial

Resolved-Coverage XX/XX/XX - XX/XX/XXXX with a premium of $X,XXX.XX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX

Open-Hazard Insurance Policy Partially Provided Premium amount & expiration date are missing from provided document. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX

Resolved-Coverage XX/XX/XX - XX/XX/XXXX with a premium of $X,XXX.XX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX

XXXXXX XXX.XXX

Primary Residence

Purchase

7140921

N/A

XXXX

10088950

Closed

2026-01-14 02:12

2026-01-16 04:25

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 Gap Credit Report is Missing

Resolved-Gap Credit Report provided. Resolved - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. - XXXXX-XX/XX/XXXX

Open-Borrower X Gap Credit Report is Missing File is missing a Gap Credit Report or evidence of the Undisclosed Debt Monitoring. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-Gap Credit Report provided. Resolved - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX

XXXXX XXX.XXX

Primary Residence

Purchase

7080990

N/A

XXXX

10088951

Closed

2026-01-22 07:01

2026-01-29 06:18

Resolved

1 - Information

Credit

Assets not properly documented/insufficient

Resolved-X months of account statements were provided for account ending in XXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX

Counter- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Please review the XXXX again. The very last account listed under the assets is for XX XXXX checking account ending in XXXX with a balance of $X,XXX.XX. Please provide this statement along with another month to satisfy XXXXXXXXX requirements.

Checking XX XXXX XXXX $X,XXX.XX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-There is no XX XXXX XXXX account listed on XXXX. Please advise - XXXXX-XX/XX/XXXX

Open-Unable to locate the bank account for XX XXXX ending in XXXX with a balance of $X,XXX.XX. Please provide this X months of account statements with the most recent statement supporting that ending balance of $X,XXX.XX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX

Resolved-X months of account statements were provided for account ending in XXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX

XXXXXXX XX XXXX XXXX X-XXXX.XXX

XXXXXXX XX XXXX XXXX XX-XXXX.XXX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

7239534

N/A

XXXX

10088951

Closed

2026-01-21 05:16

2026-01-27 05:22

Resolved

1 - Information

Credit

Missing Doc

Borrower 2 Gap Credit Report is Missing

Resolved-Gap Credit Report is Missing in file, provided the same, changes made in system, Finding Resolved - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-Borrower X Gap Credit Report is not missing. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. - XXXXX-XX/XX/XXXX

Open-Borrower X Gap Credit Report is Missing . Please provide Gap report for borrower X. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX

XXXXXXX XXX.XXX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

7198245

N/A

XXXX

10088951

Closed

2026-01-21 05:16

2026-01-27 05:22

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 Gap Credit Report is Missing

Resolved-Gap Credit Report is Missing in file, provided the same, changes made in system, Finding Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-Borrower 1 Gap Credit Report is not missing. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX

Open-Borrower 1 Gap Credit Report is Missing . Please provide Gap report for borrower 1. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX

XXXXXXX XXX.XXX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

7198244

N/A

XXXX

10088952

Closed

2026-01-17 21:46

2026-01-21 12:03

Resolved

1 - Information

Compliance

HigherPriced:APR

Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming)

Resolved-The loan's (X.XX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(12 CFR XXXX.XX(a)(1)(i)) The loan meets HPML Guidelines and is a Compliant HPML loan.

This loan failed the higher-priced mortgage loan test. ( 12 CFR § XXXX.XX(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s XXX and the Final Closing disclosure on Pg#’s XXX reflects escrows. Rate lock date was entered correctly – see Pg#’s XXX An interior and exterior appraisal was completed for this property – see pg XX-XX , the appraisal disclosure was provided to the borrower(s)- see Pg#’s XX , and copy of the appraisal was given to the borrower – see Pg#’s XXX for the copy of the disclosure. The loan meets HPML guidelines - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-The loan's (X.XX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(12 CFR XXXX.XX(a)(1)(i)) The loan meets HPML Guidelines and is a Compliant HPML loan.

This loan failed the higher-priced mortgage loan test. ( 12 CFR § XXXX.XX(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s XXX and the Final Closing disclosure on Pg#’s XXX reflects escrows. Rate lock date was entered correctly – see Pg#’s XXX An interior and exterior appraisal was completed for this property – see pg XX-XX , the appraisal disclosure was provided to the borrower(s)- see Pg#’s XX , and copy of the appraisal was given to the borrower – see Pg#’s XXX for the copy of the disclosure. The loan meets HPML guidelines - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Primary Residence

Purchase

7155269

N/A

XXXX

10088953

Closed

2026-01-18 08:44

2026-01-20 10:38

Waived

2 - Non-Material

Credit

Eligibility

Ineligible Housing History per program guidelines

Waived-Housing History Does Not Meet Guideline Requirements Housing history does not meet guideline requirements A formal exception was provided on page XXX, requested for the housing payments not being verified as the loan file is missing 4 months of the primary housing. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

XX% LTV is below the maximum XX% LTV by X%.
XXX Representative credit score exceeds the minimum required of XXX by XXX points
DSCR ratio of X.XX exceeds the minimum requirement of X.X by X.XX points.

Investment

Refinance

Cash Out - Other

7156257

Originator Pre-Close

Yes

XXXX

10088954

Closed

2026-01-16 00:45

2026-03-10 08:35

Resolved

1 - Information

Compliance

TRID Tolerance

Lender Credits That Cannot Decrease Test (50001262)

Resolved- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Open-The baseline amount of non-specific (lump sum) lender credits and specific lender credits disclosed is ($XX,XXX.XX). The Last CD shows a total lender credit amount of ($XX,XXX.XX). The following fees "lender credits" have decreased below their baseline amounts (General Lender Credit). Non-specific lender credits are generalized payments that do not pay for a particular fee. Specific lender credits are specific payments to pay for a specific fee. The total amount of non-specific and specific lender credits cannot decrease unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR XXXX.XX(e)(3)(i) and comments 19(e)(3)(i)-5 and -6; 12 CFR XXXX.XX(f)(2)(v); 12 CFR XXXX.XX(g)(6); 12 CFR XXXX.XX(h)). The lender credits decreased from the Initial CD dated XX/XX/XXXX of -$XXX.XX to -$XXX.XX on the Final CD dated XX/XX/XXXX. No Change of Circumstance was located in the file to cure the tolerance. Please provide Change of Circumstance. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Primary Residence

Purchase

7130317

N/A

XXXX

10088954

Closed

2026-01-16 00:45

2026-03-10 08:35

Resolved

1 - Information

Compliance

TRID Tolerance

Fees: Limited

Resolved- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Open-The total amount of the 10% category fees on the last Closing Disclosure ($X,XXX.XX) has increased by more than 10% over the current baseline value of ($X,XXX.XX). The total amount of fees in the 10% category cannot exceed ($X,XXX.XX). The following fee(s) have either increased from their baseline disclosure or have been recently added: (Settlement or Closing Fee, Lender’s Title Policy, Recording Fees – Mortgage/Deed of Trust, Notary Fee). Any increase to an existing fee and/or the addition of a new fee that causes the 10% category threshold to be exceeded cannot occur unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee(s) or new fee(s). (12 CFR XXXX.XX(e)(3)(ii); 12 CFR XXXX.XX(e)(3)(iv)). The recording fees and notary fees changed from initial to the final CD. There was no change of circumstance located in the file for the change of the fees. Please provide valid change of circumstance. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Primary Residence

Purchase

7130318

N/A

XXXX

10088954

Closed

2026-01-16 00:45

2026-03-10 08:35

Resolved

1 - Information

Compliance

TRID Tolerance

Fees: Limited

Resolved- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Rescinded- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Rescinded- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Rescinded- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Rescinded- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Rescinded- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Rescinded- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Rescinded-The total amount of the 10% category fees ($X,XXX.XX) has increased by more than 10% over the current baseline value of ($X,XXX.XX). The total amount of fees in the 10% category cannot exceed ($X,XXX.XX). The following fee(s) have either increased from their baseline disclosure or have been recently added: (Settlement or Closing Fee, Lender’s Title Policy, Recording Fees – Mortgage/Deed of Trust, Notary Fee). Any increase to an existing fee and/or the addition of a new fee that causes the 10% category threshold to be exceeded cannot occur unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee(s) or new fee(s). (12 CFR XXXX.XX(e)(3)(ii); 12 CFR XXXX.XX(e)(3)(iv)). Duplicate - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Rescinded- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Rescinded-The total amount of the 10% category fees ($X,XXX.XX) has increased by more than 10% over the current baseline value of ($X,XXX.XX). The total amount of fees in the 10% category cannot exceed ($X,XXX.XX). The following fee(s) have either increased from their baseline disclosure or have been recently added: (Settlement or Closing Fee, Lender’s Title Policy, Recording Fees – Mortgage/Deed of Trust, Notary Fee). Any increase to an existing fee and/or the addition of a new fee that causes the 10% category threshold to be exceeded cannot occur unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee(s) or new fee(s). (12 CFR XXXX.XX(e)(3)(ii); 12 CFR XXXX.XX(e)(3)(iv)). Duplicate - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Primary Residence

Purchase

7130319

N/A

XXXX

10088954

Closed

2026-02-04 12:05

2026-03-10 08:35

Resolved

1 - Information

Compliance

TRID Tolerance

Insufficient Tolerance Cure (50001028)

Resolved-A Lender Credit for Excess Charges of ($X.XX), Principal Reduction for Excess Charges of ($X.XX), and general or specific lender credit increases of ($X.XX) were applied to the total fee variance of ($XXX.XX) between the baseline disclosure and the last Closing Disclosure. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX

Open-The Lender credit is reflected as $XXX.XX and should have been $XXX.XX. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Open-A Lender Credit for Excess Charges of ($XXX.XX), Principal Reduction for Excess Charges of ($X.XX), and general or specific lender credit increases of ($X.XX) were applied to the total fee variance of ($XXX.XX) between the baseline disclosure and the last Closing Disclosure. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Open-A Lender Credit for Excess Charges of ($XXX.XX), Principal Reduction for Excess Charges of ($X.XX), and general or specific lender credit increases of ($X.XX) were applied to the total fee variance of ($XXX.XX) between the baseline disclosure and the last Closing Disclosure. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Open-A Lender Credit for Excess Charges of ($XXX.XX), Principal Reduction for Excess Charges of ($X.XX), and general or specific lender credit increases of ($X.XX) were applied to the total fee variance of ($XXX.XX) between the baseline disclosure and the last Closing Disclosure. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

XXXXX XXXX.XXX

Primary Residence

Purchase

7446037

N/A

XXXX

10110198

Closed

2026-02-04 08:58

2026-02-04 09:54

Waived

2 - Non-Material

Credit

Eligibility

Audited CLTV Exceeds Guideline CLTV Requirements

Waived-Audited CLTV of XX% exceeds XXXXXXXXX CLTV of XX% Client elects to waive with the following compensating factors:
XXX min score ltv reduced by X% from XX. Loan approved with XX% LTV.
Exception page XXX. - Due Diligence Vendor-XX/XX/XXXX

Required reserves X months qualified with XX.XX, Excess of minimum reserves by XX months
XXXXXXXXX X, approved with X.XX Excess DSCR by .XX
Rental loss not required, approved with $XXX,XXX loss of use insurance.

Investment

Refinance

Cash Out - Other

7440910

Originator Pre-Close

Yes

XXXX

10110198

Closed

2026-02-04 08:58

2026-02-04 09:54

Waived

2 - Non-Material

Credit

Eligibility

Audited FICO is less than Guideline requirements

Waived-Audited FICO of XXX is less than XXXXXXXXX FICO of XXX Client elects to waive with the following compensating factors:
XXX min, score ltv reduced by X% from XX. Loan approved with XX% LTV.
Exception page XXX.
- Due Diligence Vendor-XX/XX/XXXX

Investment

Refinance

Cash Out - Other

7440911

Originator Pre-Close

Yes

XXXX

10110198

Closed

2026-02-04 08:58

2026-02-04 09:54

Waived

2 - Non-Material

Credit

Eligibility

Audited HCLTV Exceeds Guideline HCLTV

Waived-Audited HLTV of XX% exceeds XXXXXXXXX HCLTV of XX% Client elects to waive with the following compensating factors:
XXX min score ltv reduced by X% from XX. Loan approved with XX% LTV.
Exception page XXX. - Due Diligence Vendor-XX/XX/XXXX

Investment

Refinance

Cash Out - Other

7440912

Originator Pre-Close

Yes

XXXX

10110198

Closed

2026-02-04 08:58

2026-02-04 09:54

Waived

2 - Non-Material

Credit

Eligibility

Audited LTV Exceeds Guideline LTV

Waived-Audited LTV of XX% exceeds XXXXXXXXX LTV of XX% Client elects to waive with the following compensating factors:
XXX min score ltv reduced by X% from XX. Loan approved with XX% LTV.
Exception page XXX. - Due Diligence Vendor-XX/XX/XXXX

Investment

Refinance

Cash Out - Other

7440913

Originator Pre-Close

Yes

XXXX

10110199

Closed

2026-03-03 11:21

2026-03-03 11:24

Waived

2 - Non-Material

Credit

Eligibility

Loan does not conform to program guidelines

Waived-Client elects to waive with the following compensating factors:
XXXX/3rd party market rents for non-departure rental property used for qualifying rental income.
Exception page XXX - Due Diligence Vendor-XX/XX/XXXX

Open-Loan does not conform to program guidelines XXXX/3rd party market rents for non-departure rental property used for qualifying rental income. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXXX LTV XX%, Qualifying LTV XX.XX%
XXXXXXXXX Min FICO XXX, Qualifying FICO XXX
XXXXXXXXX total months reserves X, Qualified total months reserves XX.XX

Primary Residence

Purchase

7900850

Originator Pre-Close

Yes

XXXX

10110199

Closed

2026-02-04 07:59

2026-02-24 08:37

Resolved

1 - Information

Compliance

Mavent

NJ Fee Not Allowed- Document Preparation Fee (Fee ID: 104)

Resolved-Amount refunded. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX

Open- - Due Diligence Vendor-XX/XX/XXXX

Open- - Due Diligence Vendor-XX/XX/XXXX

Open- - Due Diligence Vendor-XX/XX/XXXX

Open- - Due Diligence Vendor-XX/XX/XXXX

Open-Section X:X-XX.X of the XXXX Mortgage Loans, Fees, Obligations Provisions (N.J.A.C. X:X-XX.X) does not allow Document Preparation Fee (Fee ID: XXX) to be charged to the Borrower in NJ. - Due Diligence Vendor-XX/XX/XXXX

Open- - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX

Resolved-Amount refunded. - Due Diligence Vendor-XX/XX/XXXX

XXXXXX - XXXXXXXXXXXX - XXXX.pdf

Primary Residence

Purchase

7437854

N/A

XXXX

10110199

Closed

2026-02-04 07:59

2026-02-24 08:35

Resolved

1 - Information

Compliance

Fees:Limited

XXXX - Recording Service Fee (MLFOP)(First Lien)

Resolved-Amount refunded. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX

Open- - Due Diligence Vendor-XX/XX/XXXX

Open- - Due Diligence Vendor-XX/XX/XXXX

Open- - Due Diligence Vendor-XX/XX/XXXX

Open- - Due Diligence Vendor-XX/XX/XXXX

Open-You charged a ($XX.XX) Recording Service Fee. The XXXX Residential Mortgage Loans, Fees, Obligations Provisions limit the amount of the additional service fee for recording a cancellation of a mortgage to $XX. (N.J.A.C. X:X-XX.X(a)(X)) You charged a ($XX.XX) Recording Service Fee. The XXXX Residential Mortgage Loans, Fees, Obligations Provisions limit the amount of the additional service fee for recording a cancellation of a mortgage to $XX. - Due Diligence Vendor-XX/XX/XXXX

Open- - Due Diligence Vendor-XX/XX/XXXX

Resolved-Amount refunded. - Due Diligence Vendor-XX/XX/XXXX

XXXXXX - XXXXXXXXXXXX - XXXX.pdf

Primary Residence

Purchase

7437857

N/A

XXXX

10110199

Closed

2026-02-04 04:22

2026-02-18 15:17

Resolved

1 - Information

Credit

Title

Title Coverage is Less than Subject Lien(s) Total

Resolved-Document provided clears the condition. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX

Open-Title Coverage Amount of $XXXXXXX is Less than Loan Amount Provide Title Coverage Amount of $X,XXX,XXX is greater than or equal to loan amount. Title policy on page XXX coverage amount showing as $X,XXX,XXX it is less than the loan amount. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX

Resolved-Document provided clears the condition. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

XXXXXX XXXXXXX XXXXX.pdf

Primary Residence

Purchase

7431971

N/A

XXXX

10110199

Closed

2026-02-04 09:15

2026-02-13 06:51

Resolved

1 - Information

Credit

Missing Doc

1008 Document is Missing

Resolved-Confirmed manual underwriting. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-hi, the AUS is not used for Underwriting. it is used only for housing history

- XXXXX-XX/XX/XXXX

Counter-The XXXX provided shows the risk assessment as "Out of Scope" which does not match the AUS in the file. All Other Monthly Payments Use in Qualifying shows $XXX; however, there is a total of $XXX other payments. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. updated XXXX - XXXXXX-XX/XX/XXXX

Open-The XXXX document is missing from the loan file. Please provide the updated XXXX with the loan amount IAO $X,XXX,XXX. The XXXX in the file shows an amount of $XXX,XXX but the note shows the amount as $X,XXX,XXX and shows the borrower total income IAO $XX,XXX.XX.
Our review income is asset utilization IAO $XX,XXX, social security income shows $X,XXX.XX, and All Other REO Net Rental income shows $XXX.XX for a total income amount of $XX,XXX.XX.
The XXXX is showing all other monthly debt as $XX but the Initial CBR shows all monthly debt as $XXX. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. updated XXXX - XXXXXX-XX/XX/XXXX

Resolved-Confirmed manual underwriting. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

XXXXXX XXXX.pdf

Primary Residence

Purchase

7441208

N/A

XXXX

10110200

Closed

2026-02-25 08:09

2026-02-25 08:12

Resolved

1 - Information

Credit

Borrower

Discrepancy between 1008 Page Qualifying FICO and actual Qualifying FICO

Resolved-Credit report is provided. Updated XXXX screen to reflect midscore - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Open-Qualifying FICO on the XXXX Page is '' or blank, but the Qualifying FICO from the Credit Liabilities Page is 'XXX' or blank. Qualifying FICO entries do not match. Please confirm the correct Qualifying FICO value. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-Credit report is provided. Updated XXXX screen to reflect midscore - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Investment

Refinance

Cash Out - Other

7798790

N/A

XXXX

10110200

Closed

2026-02-15 01:21

2026-02-25 08:09

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 Credit Report is Missing

Resolved-Borrower X Credit Report is not missing. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded.  - XXXXX-XX/XX/XXXX

Counter- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-this is not required on DSCR loans  - XXXXX-XX/XX/XXXX

Open-Borrower X Credit Report is Missing. The credit report used for qualification is missing from the loan file.  Please provide. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-Borrower X Credit Report is not missing. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

XXXXXX XXXXXX XXXXXX.pdf

Per the DSCR guidelines for the loan, a credit report for each borrower is required with at least X scores. Please provide the credit report used for qualification of the loan.

Investment

Refinance

Cash Out - Other

7624110

N/A

XXXX

10110200

Closed

2026-02-15 01:21

2026-02-25 08:09

Resolved

1 - Information

Credit

Missing Doc

Missing VOM or VOR

Resolved-XX Months of rent receipts are already present in file hence VOR not required, updated & condition resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-Validation Resolved' - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review- We do not need a VOR if we have the lease agreement and payment history. - XXXXX-XX/XX/XXXX

Open-VOR/VOM Doc Status should not be 'Missing'. VOR is missing required to verify rent history - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Investment

Refinance

Cash Out - Other

7624112

N/A

XXXX

10110201

Closed

2026-02-03 17:53

Waived

2 - Non-Material

Property

Property Type does not meet eligibility requirement(s)

Waived-UW Exception for property type to be treated as Suburban. Subdivision only has a few homes uilt as of transaction date
- XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

X x XX XX months on tradelines
X x XX housing history XX months

Investment

Refinance

Cash Out - Other

7428071

Originator Pre-Close

Yes

XXXX

10110203

Closed

2026-02-01 07:40

2026-02-10 04:03

Resolved

1 - Information

Credit

Missing Doc

1008 Document is Missing

Resolved-XXXX doc provided. Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. - XXXXX-XX/XX/XXXX

Open-The XXXX document is missing from the loan file. XXXX document is missing from the file. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-XXXX doc provided. Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

XX XXXXX XXXX.pdf

Investment

Purchase

7388733

N/A

XXXX

10110204

Closed

2026-03-04 05:37

2026-03-04 15:25

Waived

2 - Non-Material

Credit

Income/Employment

Income/Employment General

Waived-Underwriting exception on the page XXX. Exception for USE NEW LEASE AMOUNT OF $XXXX WITH ONLY X Borrower(s) have XX.XX months Reserves. Minimum required per guidelines is X months.
Borrower Housing History is XXXX, XX months. Housing History required per guidelines is XXXX, XX months.

- XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Client elects to waive with the following compensating factors:
B--Exceeds minimum reserves by X months.
B--Depth of prior housing History X years.
Borrower Housing History is XXXX, XX months.

Investment

Refinance

No Cash Out - Borrower Initiated

7915536

Originator Pre-Close

Yes

XXXX

10110205

Closed

2026-02-04 06:10

2026-02-13 04:29

Resolved

1 - Information

Credit

Missing Doc

1008 Document is Missing

Resolved-Received XXXX, resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-The XXXX document is present in the loan file. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX

Open-The XXXX document is missing from the loan file. Missing XXXX. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX

Resolved-Received XXXX, resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-The XXXX document is present in the loan file. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

XXXXXXXXXXXXXXX

Investment

Refinance

Cash Out - Other

7435136

N/A

XXXX

10110205

Closed

2026-02-05 04:00

2026-02-13 04:17

Resolved

1 - Information

Credit

Deficient subject rental income documentation.

Resolved-Received XXXXXX with rental rates, resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX

Counter-Document provided does not list a run rate (rental value). X page provided however X pages in file with no rates. Please provide rental rate calculations, countered. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX

Open-Missing XXXXXX IN FILE TO SUPPORT THE RUN RATES. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX

Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX

Resolved-Received XXXXXX with rental rates, resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

XXXXXXXXXXXXXXXXXX

XXXXXXXXXXXXXXXXXXXXXXXXXXX

Investment

Refinance

Cash Out - Other

7455967

N/A

XXXX

10110205

Closed

2026-01-30 04:23

2026-02-05 04:07

Waived

2 - Non-Material

Credit

Eligibility

Audited LTV Exceeds Guideline LTV

Waived-Client elects to waive with the following compensating factors: - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Waived-Client elects to waive with the following compensating factors:
Exception is found in findings. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Audited LTV of XX% exceeds Guideline LTV of XX% - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. loan file has exception for LTV - Buyer-XX/XX/XXXX

Open-Audited LTV Exceeds Guideline LTV Qualifying Fico is XXX and as per the guidelines LTV should not exceed XX%. and audited LTV is XX%. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

XXXXXXXXXXXXXXXXXXXXXXXXXXX

Minimum reserves required X, qualified with XXX.X for a difference of XXX.X
Minimum credit score required XXX, qualified with a XXX difference of XX
HOI rent loss not required, qualifies with $XX,XXX

Investment

Refinance

Cash Out - Other

7367610

Originator Pre-Close

Yes

XXXX

10110205

Closed

2026-01-30 04:13

2026-02-05 01:11

Resolved

1 - Information

Credit

Missing Doc

Hazard Insurance Policy is Missing

Resolved-Hazard Insurance Document is missing in file, provided the same, changes made in system, Finding Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-Hazard Insurance Policy is fully present - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX

Open-Missing Hazard Insurance Policy Hazard Insurance Policy document is missing in the file. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

XXXXXXXXXXXXX

Investment

Refinance

Cash Out - Other

7366852

N/A

XXXX

10110205

Closed

2026-01-30 03:27

2026-02-05 01:11

Resolved

1 - Information

Credit

Missing Doc

Evidence of Property Tax Missing

Resolved-Tax cert is missing in file, provided the same, changes made in system, Finding Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-Evidence of Property Tax is present - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX

Open-Missing Evidence of Property Tax Tax cert is missing in the file. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

XXXXXXXXXXXXXXXXXX

Investment

Refinance

Cash Out - Other

7366336

N/A

XXXX

10110206

Closed

2026-03-03 11:03

2026-03-03 11:06

Waived

2 - Non-Material

Credit

Eligibility

Loan does not conform to program guidelines

Waived-Client elects to waive with the following compensating factors:
Missing rental agreement. Exception on page XXX. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Open-Loan does not conform to program guidelines Client elects to waive with the following compensating factors:
Missing rental agreement.
Exception on page XXX. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Waived-Client elects to waive with the following compensating factors:
Missing rental agreement. Exception on page XXX. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Guideline min FICO XXX, Qualifying FICO XXX
Guideline LTV XX%, Qualifying LTV XX.XX%
Guideline required months reserves X, Qualifying months reserves XX.XX

Investment

Refinance

Cash Out - Home Improvement/Reno

7900363

Originator Pre-Close

Yes

XXXX

10110207

Closed

2026-02-01 11:35

2026-02-09 03:42

Resolved

1 - Information

Credit

Assets

Asset 2 Does Not Meet Guideline Requirements

Resolved-Received HUD-1 for funds of $XX,XXX.XX from refinance of a home. Updated and entered on asset page, resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-Asset Record 2 Meets G/L Requirements Or Not Applicable - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. copy of the final CD XXXX XXXXXXXXXXXXXX - Buyer-XX/XX/XXXX

Open-Asset Record 2 Does Not Meet G/L Requirements We have proceeded from sale amount $XXX,XXX as per the final 1003 but proof of document is missing in file. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

X'XXXX XXXXXXXXXXX XX XXXXXXXX.XXX

Investment

Purchase

7389056

N/A

XXXX

10110209

Closed

2026-02-27 06:14

2026-03-04 15:22

Resolved

1 - Information

Credit

Missing Doc

Missing Lender Income Calculation Worksheet

Resolved-Document Received. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX

Open-Bank Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. Bank Statement Summary Lender Worksheet / Income Calculator is Missing for co-borrower (XXXX XXXXXX). - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-Document Received. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

XXXXXXXX XXXXXXXXX.XXX

Primary Residence

Purchase

7842263

N/A

XXXX

10110209

Closed

2026-02-27 03:20

2026-03-04 15:21

Resolved

1 - Information

Credit

Missing Doc

Borrower 2 Gap Credit Report is Missing

Resolved-Document received. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX

Open-Borrower 2 Gap Credit Report is Missing Evidence of Undisclosed Debt Monitoring missing. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-Document received. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

XXXXXXXX XXX.XXX

Primary Residence

Purchase

7839968

N/A

XXXX

10110209

Closed

2026-02-27 03:20

2026-03-04 15:21

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 Gap Credit Report is Missing

Resolved-Document received. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX

Open-Borrower 1 Gap Credit Report is Missing Evidence of Undisclosed Debt Monitoring missing. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-Document received. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

XXXXXXXX XXX.XXX

Primary Residence

Purchase

7839967

N/A

XXXX

10110209

Closed

2026-02-27 02:38

2026-03-04 03:52

Resolved

1 - Information

Credit

Missing Doc

1008 Document is Missing

Resolved-B1 info not provided in 1008, provided updated 1008, changes made in system, Finding Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-The 1008 document is present in the loan file. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX

Open-The 1008 document is missing from the loan file. The 1008 that was provided only includes the co-borrower information. Please provide an updated 1008. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX

XXXXXXXX XXXX.XXX

Primary Residence

Purchase

7839682

N/A

XXXX

10110209

Closed

2026-02-27 02:49

2026-03-04 03:01

Resolved

1 - Information

Credit

Title

Title Coverage is Less than Subject Lien(s) Total

Resolved-Title coverage is Less than loan amount, provided updated Title, changes made in system, Finding Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s) - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX

Open-Title Coverage Amount of $XXXXXX is Less than Loan Amount Title Coverage Amount of $XXX,XXX is Less than Loan Amount of $XXX,XXX. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

XXXXXXXX XXXXXX XXXXXX.XXX

Primary Residence

Purchase

7839748

N/A

XXXX

10110209

Closed

2026-02-27 02:31

2026-03-04 01:59

Resolved

1 - Information

Compliance

Missing Doc

The Initial 1003 is Missing

Resolved-Initial 1003 is missing in file, provided the same, changes made in system, Finding Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-The Initial 1003 is Present - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX

Open-The Initial 1003 is Missing - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX

XXXXXXXX XXXXXXX XXXX XXX XXX.XXX

Primary Residence

Purchase

7839657

N/A

XXXX

10110209

Closed

2026-02-27 06:31

2026-03-04 01:59

Resolved

1 - Information

Compliance

Missing Doc

Missing evidence of rate lock

Resolved-Rate lock document is missing in file, provided the same, changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX

Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX

Open-Evidence of Rate Lock Missing The rate lock confirmation shows a 12M Bank Statement program; however, the primary borrower is a wage earner and the co-borrowers details are not included in the lock confirmation. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX

XXXXXXXX XXXXX XXXXXXXXXXXX.pdf

Primary Residence

Purchase

7842553

N/A

XXXX

10110211

Closed

2026-02-05 05:36

2026-02-09 03:58

Resolved

1 - Information

Credit

Missing Doc

1008 Document is Missing

Resolved-1008 received - Due Diligence Vendor-XX/XX/XXXX

Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX

Open-The 1008 document is missing from the loan file. Provide the 1008. - Due Diligence Vendor-XX/XX/XXXX

Resolved-1008 received - Due Diligence Vendor-XX/XX/XXXX

Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-XX/XX/XXXX

XXXXXX XXXXX XXXX (XX).pdf

Primary Residence

Refinance

No Cash Out - Borrower Initiated

7456855

N/A

XXXX

10110211

Closed

2026-02-05 05:01

2026-02-09 03:53

Resolved

1 - Information

Credit

Eligibility

Credit history does not meet guidelines

Resolved-UDN received. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX

Open-Provide UDN or UDM - Due Diligence Vendor-XX/XX/XXXX

Resolved-UDN received. - Due Diligence Vendor-XX/XX/XXXX

XXXXXX XX XXXXX XXX_XXX (XX).pdf

Primary Residence

Refinance

No Cash Out - Borrower Initiated

7456545

N/A

XXXX

10110211

Closed

2026-02-03 22:18

2026-02-09 03:53

Resolved

1 - Information

Credit

Insurance

Hazard Insurance Effective Date is after the Note Date

Resolved-HOI Policy with effective dates XX/XX/XXXX to XX/XX/XXXX received. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX

Open-Hazard Insurance Effective Date of XX-XX-XXXX is after the Note Date of XX-XX-XXXX HOI policy reflects effective dates XX/XX/XXXX to XX/XX/XXXX. Provide HOI Policy with effective dates XX/XX/XXXX to XX/XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX

Resolved-HOI Policy with effective dates XX/XX/XXXX to XX/XX/XXXX received. - Due Diligence Vendor-XX/XX/XXXX

XXXXXX XX XXXXX XXXXX XXXXXX XXXXXXXXX - XXXX-XX-XXTXXXXXX.XXX.pdf

Primary Residence

Refinance

No Cash Out - Borrower Initiated

7430068

N/A

XXXX

10110212

Closed

2026-02-02 04:34

2026-02-12 07:12

Resolved

1 - Information

Credit

Missing Doc

Missing Homeowners Association Questionnaire

Resolved-HOA Documentation provided.  - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded.  - Buyer-XX/XX/XXXX

Counter-Per XXXXXXX XXXX XXXXXXXXXX, dated XX/XX/XXXX, CPM with XXXX XXXXXXXXX requires Broker provided Initial CPM approval.  Additionally, a Project Questionnaire Addendum is required.   - Due Diligence Vendor-XX/XX/XXXX

Resolved-Condo Questionnaire  is missing in file, provided the same, changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX

Resolved-HOA Questionnaire is Present - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded.  - Buyer-XX/XX/XXXX

Open-HOA Questionnaire is Missing or Partial. HOA Questionnaire is Missing. - Due Diligence Vendor-XX/XX/XXXX

Resolved-HOA Documentation provided. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Condo Questionnaire is missing in file, provided the same, changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX

Resolved-HOA Questionnaire is Present - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXX XXXXXXXX XXXXX XXXX.pdf

XXXXXXXX XXXX XX XXXXX.pdf

Second Home

Purchase

7392956

N/A

XXXX

10110213

Closed

2026-02-09 04:21

2026-02-12 02:56

Resolved

1 - Information

Credit

Title

Title Coverage is Less than Subject Lien(s) Total

Resolved-Update title commitment uploaded, Title Coverage Amount of $XXXXXXX is equal to or greater than Total Amount of Subject Lien(s), Verified - Resolved - Due Diligence Vendor-XX/XX/XXXX

Resolved-Title Coverage Amount of $XXXXXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX

Open-Title Coverage Amount of $XXXXXXX is Less than Loan Amount Provide Title policy sufficient to cover loan amount X,XXX,XXX. - Due Diligence Vendor-XX/XX/XXXX

XXXXX XXXX.pdf

Investment

Refinance

Cash Out - Other

7511321

N/A

XXXX

10110214

Closed

2026-01-29 04:54

2026-02-03 17:56

Waived

2 - Non-Material

Credit

Eligibility

Loan does not conform to program guidelines

Waived-Loan does not conform to program guidelines Exception Approval on Page #XXX

TRANSACTION: Recently listed C/O Per xxxxxx/xxxxxx subject listed for sale on X/XX/XX - Due Diligence Vendor-XX/XX/XXXX

XX% LTV is below the maximum XX% LTV by XX%.
$XXX,XXX reserves exceed the minimum required of $X,XXX exceeds the minimum by 26 months over the required minimum.

Investment

Refinance

Cash Out - Other

7346064

Originator Pre-Close

Yes

XXXX

10110215

Closed

2026-02-02 03:46

2026-02-12 03:26

Resolved

1 - Information

Credit

Lender Approval Form is Missing

Resolved-Updated Approval Certificate with corrected FICO uploaded, Verified & entered in system - Resolved
- Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX

Open-Approval Cert reflects FICO XXX however, CBR reflects the lowest borrower credit score as XXX. Provide updated Approval Certificate with correct FICO - Due Diligence Vendor-XX/XX/XXXX

Resolved-Updated Approval Certificate with corrected FICO uploaded, Verified & entered in system - Resolved
- Due Diligence Vendor-XX/XX/XXXX

XXXXX XXXXXXXX XXXX.XXX

Investment

Refinance

Cash Out - Other

7392643

N/A

XXXX

10110216

Closed

2026-02-09 11:21

2026-02-19 02:48

Resolved

1 - Information

Credit

Missing Doc

Evidence of Property Tax Missing

Resolved-Received PCCD and IED corrected with the correct tax amounts being collected to match tax certificate in file, resolved. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Evidence of Property Tax is present - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. CD & EADS attached - Buyer-XX/XX/XXXX

Counter-Final closing disclosure initial escrow payment at closing shows $XXX.XX months *XX=$XX,XXX and initial escrow account disclosure also shows taxes at $XX,XXX which do not match the tax cert amount of $XX,XXX.XX. If tax cert is correct please provide a corrected initial escrow account disclosure and final CD collecting the correct amounts, countered. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. tax cert shows XX,XXX...are the numbers you have incorrect ? - Buyer-XX/XX/XXXX

Open-Missing Evidence of Property Tax Missing tax certificate verifying taxes as $XX,XXX.XX annually. - Due Diligence Vendor-XX/XX/XXXX

XXXXX XXX XXXX.XXX

XXXXX XX XXX XXXX.XXX

Primary Residence

Refinance

Cash Out - Other

7520480

N/A

XXXX

10110216

Closed

2026-02-09 11:27

2026-02-12 02:40

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 Gap Credit Report is Missing

Resolved-Borrower X Gap Credit Report is not missing. Received UDM, resolved. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Borrower X Gap Credit Report is not missing. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX

Open-Borrower X Gap Credit Report is Missing Missing Undisclosed Debt Monitoring (UDM). - Due Diligence Vendor-XX/XX/XXXX

XXXXX XXX.XXX

Primary Residence

Refinance

Cash Out - Other

7520659

N/A

XXXX

10110217

Closed

2026-02-03 12:43

2026-02-09 06:15

Resolved

1 - Information

Property

Property Type on 1008 does not match Property Type on Primary Valuation -Client view

Resolved-Updated XXXX provided. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX

Open-XXXX Subject property type reflects X-X unit does not match Appraisal property type of Single Family with ADU - Due Diligence Vendor-XX/XX/XXXX

Resolved-Updated XXXX provided. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXX XXXXXXX XXXX.XXX

Investment

Refinance

No Cash Out - Borrower Initiated

7424687

N/A

XXXX

10110219

Closed

2026-02-09 03:34

2026-02-18 04:41

Resolved

1 - Information

Credit

Insurance

Hazard Insurance Effective Date is after the Note Date

Resolved-HOI Policy with effective dates XX/XX/XXXX to XX/XX/XXXX received. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Hazard Insurance Effective Date of XX-XX-XXXX is after the Note Date of XX-XX-XXXX - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded.  - Seller-XX/XX/XXXX

Counter-HOI Policy was issued X/XX/XXXX but not in effect until X/XX/XXXX which does not cover the closing date period.  Provide prior HOI Policy with effective dates from X/XX/XXXX to X/XX/XXXX or a HOI Policy with a effective date prior to or on X/XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded.  - Buyer-XX/XX/XXXX

Open-HOI Policy received with an effective date of XX/XX/XXXX.  Provide HOI Policy with an effective date prior to closing date/note date X/XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX

Rescinded- - Due Diligence Vendor-XX/XX/XXXX

Open-Incorrect Address on policy - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX

XXXXX XXXXXXX XXX - XXXX-XX-XXXXXXXXX.XXX.XXX.XXX

XXXXXXXX XXX XXX - XXXX-XX-XXXXXXXXX.XXX.XXX.XXX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

7510992

N/A

XXXX

10110219

Closed

2026-02-04 00:09

2026-02-18 04:37

Resolved

1 - Information

Credit

Missing Doc

Hazard Insurance Policy is Missing

Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX

Counter-Docs received but not for subject property or borrower. Provide Hazard Insurance Policy for subject property. - Due Diligence Vendor-XX/XX/XXXX

Open-Missing Hazard Insurance Policy - Due Diligence Vendor-XX/XX/XXXX

Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX

Open-Missing Hazard Insurance Policy - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX

Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-XX/XX/XXXX

Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXXXXXX XXXXXX.XXX

XXXXX XXXXXXX XXX - XXXX-XX-XXXXXXXXX.XXX.XXX.XXX

XXXXXXXXXXXX XXXXXXXXX - XXXX XXXXXXXXX (XX).XXX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

7430709

N/A

XXXX

10110219

Closed

2026-02-03 23:02

2026-02-12 04:10

Resolved

1 - Information

Credit

Missing Doc

Missing Lender Income Calculation Worksheet

Resolved-Validation Resolved' - Due Diligence Vendor-XX/XX/XXXX

Resolved-Lender Income Calculator received. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX

Counter-Docs received for borrower last name XXXX but not for correct borrower last name XXXXXXXXXXXXX. Provide Lender Worksheet/Income Calculator for borrower last name XXXXXXXXXXXXX - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX

Open-Bank Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. Provide Lender Worksheet/Income Calculator - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX

Resolved-Validation Resolved' - Due Diligence Vendor-XX/XX/XXXX

Resolved-Lender Income Calculator received. - Due Diligence Vendor-XX/XX/XXXX

XXXX XXXXXX XXXX.XXX

XXXXXXXXXXXXX XXXXXX XXXX XXXXX.XXX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

7430346

N/A

XXXX

10110219

Closed

2026-02-04 01:01

2026-02-12 03:51

Resolved

1 - Information

Compliance

Rescission:Disbursement

Federal - Right of Rescission (Loan Disbursement Violation) (TILA)

Resolved-PCCD received with updated closing and disbursement dates. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Resolved - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. LOAN DISBURSED X/XX PLEASE SEE ATTACHED PCCD - Seller-XX/XX/XXXX

Open-The loan disbursement date (XXXX-XX-XX) is earlier than, or the same day as, the calculated "Right to Cancel Expire Date" (XXXX-XX-XX). Under Regulation Z, funds may not be disbursed to the borrower until after the expiration of the rescission period. (Reg Z, XX CFR XXXX.XX(c) and Official Staff Commentary) The loan disbursement date (XXXX-XX-XX) is earlier than, or the same day as, the calculated "Right to Cancel Expire Date" (XXXX-XX-XX). Under Regulation Z, funds may not be disbursed to the borrower until after the expiration of the rescission period.
- Due Diligence Vendor-XX/XX/XXXX

Open- - Due Diligence Vendor-XX/XX/XXXX

Open- - Due Diligence Vendor-XX/XX/XXXX

Open- - Due Diligence Vendor-XX/XX/XXXX

Open- - Due Diligence Vendor-XX/XX/XXXX

Open- - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. LOAN DISBURSED X/XX PLEASE SEE ATTACHED PCCD - Seller-XX/XX/XXXX

Resolved-PCCD received with updated closing and disbursement dates. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Resolved - Due Diligence Vendor-XX/XX/XXXX

XXXXXXX XXXX.xxx

Primary Residence

Refinance

No Cash Out - Borrower Initiated

7430918

N/A

XXXX

10110219

Closed

2026-02-05 05:54

2026-02-12 03:40

Resolved

1 - Information

Credit

Eligibility

Credit history does not meet guidelines

Resolved-UDN received. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX

Counter-Docs received but not for subject property or borrower.. Provide UDN. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX

Open-Provide UDN or UDM - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX

Resolved-UDN received. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXXXXXXXX XXXX.xxx

XXXXXXXXXXXXXX XXX_XXX (XX).xxx

Primary Residence

Refinance

No Cash Out - Borrower Initiated

7459173

N/A

XXXX

10110219

Closed

2026-02-05 05:35

2026-02-12 03:39

Resolved

1 - Information

Credit

Missing Doc

1008 Document is Missing

Resolved-XXXX received - Due Diligence Vendor-XX/XX/XXXX

Resolved-The XXXX document is present in the loan file. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX

Counter-Docs received but not for subject property or borrower.. Provide XXXX. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX

Open-The XXXX document is missing from the loan file. Provide XXXX - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX

Resolved-XXXX received - Due Diligence Vendor-XX/XX/XXXX

Resolved-The XXXX document is present in the loan file. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXXXXXXXX XXXX.xxx

XXXXXXXXXXXXXX XXXX.xxx

Primary Residence

Refinance

No Cash Out - Borrower Initiated

7456850

N/A

XXXX

10110219

Closed

2026-02-05 05:47

2026-02-09 03:37

Resolved

1 - Information

Compliance

Missing Doc

Consumer Caution and Home Owner Counseling Notice is Missing

Resolved-Consumer Caution and Home Owner Counseling Notice is Present or Not Applicable - Due Diligence Vendor-XX/XX/XXXX

Resolved-Home Loan Toolkit received. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX

Open-Consumer Caution and Home Owner Counseling Notice is Missing Provide Home Loan Toolkit - Due Diligence Vendor-XX/XX/XXXX

Resolved-Consumer Caution and Home Owner Counseling Notice is Present or Not Applicable - Due Diligence Vendor-XX/XX/XXXX

Resolved-Home Loan Toolkit received. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXXXXXXXX XXXX XXXXXXX.xxx

Primary Residence

Refinance

No Cash Out - Borrower Initiated

7459036

N/A

XXXX

10110220

Closed

2026-02-09 05:20

2026-02-12 02:15

Resolved

1 - Information

Credit

DSCR unknown

Resolved-DSCR worksheet provided matching calculated DSCR of X.XX, resolved. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Documentation received was sufficient to resolve the finding. DSCR calculation - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Due Diligence Vendor-XX/XX/XXXX

Open-Provide DSCR calculations. - Due Diligence Vendor-XX/XX/XXXX

Documentation Uploaded - XX/XX/XXXX

XXXXXXX WXXXXXXXXXX.png

Investment

Purchase

7511862

N/A

XXXX

10110220

Closed

2026-02-02 22:36

2026-02-12 01:17

Resolved

1 - Information

Compliance

Missing Doc

Missing evidence of rate lock

Resolved-Evidence of rate lock uploaded, Verified & entered in system - Resolved
- Due Diligence Vendor-XX/XX/XXXX

Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX

Open-Evidence of Rate Lock Missing Evidence of Rate Lock confirmation document is missing in the file. Please provide. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Evidence of rate lock uploaded, Verified & entered in system - Resolved
- Due Diligence Vendor-XX/XX/XXXX

Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-XX/XX/XXXX

XXXXXXX XXXX XXXXXXXXXXXX (X).xxx

Investment

Purchase

7410094

N/A

XXXX

10110222

Closed

2026-02-04 09:44

2026-02-05 02:10

Resolved

1 - Information

Credit

DSCR unknown

Resolved-Used Estimated Gross Receipts”. The Projected Revenue is $XX,XXX X XX% = $XX,XXX / XX months= $XXXX per month - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-The amount we use from the AirDNA is XX% of the Projected Revenue—"Estimated Gross Receipts”.

The Projected Revenue is $XX,XXX X XX% = $XX,XXX / XX = $XXXX per month.
- Buyer-XX/XX/XXXX

Open-Provide DSCR Calculation.
Verified subject loan was qualified with the DSCR program.
The calculation validating the correct DSCR is as follows: Short Term Rental $X,XXX.XX / PITIA $XXXX.XX = X.XXXX DSCR (rounded to X.XXX).
XXXX Rent Schedule page XX iao $XXXX.
Airbnb Short Term Rents page XXX iao $XX,XXX/XX months = $X,XXX.XX
Lender's DSCR calculation page XXX, XXX reflects PITIA iao $XXXX.XX and X.XX DSCR.
- Due Diligence Vendor-XX/XX/XXXX

Resolved-Used Estimated Gross Receipts”. The Projected Revenue is $XX,XXX X XX% = $XX,XXX / XX months= $XXXX per month - Due Diligence Vendor-XX/XX/XXXX

Investment

Purchase

7441763

N/A

XXXX

10110224

Closed

2026-02-03 01:44

2026-02-06 08:05

Resolved

1 - Information

Credit

Missing Doc

Title Document Missing

Resolved-Title Document is fully Present - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. which title document is missing? attached is the prelim and the supplement. both showing they were delivered to you - Buyer-XX/XX/XXXX

Open-Title Document is missing Provide Title Document - Due Diligence Vendor-XX/XX/XXXX

Resolved-Title Document is fully Present - Due Diligence Vendor-XX/XX/XXXX

XXXXXXX XXXXXX XXXX.XXX

XXXXXXX XXXXXX XXXXX.XXX

Primary Residence

Purchase

7410939

N/A

XXXX

10110224

Closed

2026-02-03 01:37

2026-02-06 07:53

Resolved

1 - Information

Credit

Missing Doc

1008 Document is Missing

Resolved-1008 rec'd - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX

Open-The 1008 document is missing from the loan file. Provide 1008 - Due Diligence Vendor-XX/XX/XXXX

Resolved-1008 rec'd - Due Diligence Vendor-XX/XX/XXXX

XXXXXXX XXXXXX XXXX.XXX

Primary Residence

Purchase

7410923

N/A

XXXX

10110225

Closed

2026-02-11 08:15

2026-02-20 07:38

Resolved

1 - Information

Credit

Missing Doc

Title Document is Incomplete

Resolved-Received updated title policy. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Title Document is Provided And Complete - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX

Counter-Received supplement showing loan amount as $XXX,XXX. Loan amount is $X,XXX,XXX. - Due Diligence Vendor-XX/XX/XXXX

Open-Title Document is Incomplete - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX

Open-Title Document is Incomplete Provide Title policy with loan amount listed on policy. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX

Resolved-Received updated title policy. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Title Document is Provided And Complete - Due Diligence Vendor-XX/XX/XXXX

XXXX XXXXXXXXXX (XX).XXX

XXXX XXXXXXX-XXXXX-XXXXXXXX-XXXXXXXX.XXX

Primary Residence

Refinance

Cash Out - Other

7559152

N/A

XXXX

10110225

Closed

2026-02-11 08:37

2026-02-17 07:30

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 Gap Credit Report is Missing

Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Received UDM report.  - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded.  - Buyer-XX/XX/XXXX

Open-Borrower 1 Gap Credit Report is Missing Provide evidence of Undisclosed Debt Monitoring.  - Due Diligence Vendor-XX/XX/XXXX

Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Received UDM report. - Due Diligence Vendor-XX/XX/XXXX

XXXX XXX.XXX

Primary Residence

Refinance

Cash Out - Other

7559640

N/A

XXXX

10110225

Closed

2026-02-11 08:37

2026-02-17 07:30

Resolved

1 - Information

Credit

Missing Doc

Borrower 2 Gap Credit Report is Missing

Resolved-Borrower 2 Gap Credit Report is not missing. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Received UDM report.  - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded.  - Seller-XX/XX/XXXX

Open-Borrower 2 Gap Credit Report is Missing Provide evidence of Undisclosed Debt Monitoring.  - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX

Resolved-Borrower 2 Gap Credit Report is not missing. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Received UDM report. - Due Diligence Vendor-XX/XX/XXXX

XXXX XXX.XXX

Primary Residence

Refinance

Cash Out - Other

7559641

N/A

XXXX

10110226

Closed

2026-01-29 20:39

2026-02-05 01:52

Resolved

1 - Information

Credit

Missing Doc

1008 Document is Missing

Resolved-1008 document is missing in file, provided the same, changes made in system, Finding Resolved
- Due Diligence Vendor-XX/XX/XXXX

Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX

Open-The 1008 document is missing from the loan file. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX

XXXXXX XXXX.XXX

Investment

Purchase

7363790

N/A

XXXX

10110226

Closed

2026-01-29 21:14

2026-02-05 01:51

Resolved

1 - Information

Credit

Missing Doc

Evidence of Property Tax Missing

Resolved-Tax cert is missing in file, provided the same, changes made in system, Finding Resolved
- Due Diligence Vendor-XX/XX/XXXX

Resolved-Evidence of Property Tax is present - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX

Open-Missing Evidence of Property Tax. - Due Diligence Vendor-XX/XX/XXXX

XXXXXX XXX XXXX.XXX

Investment

Purchase

7363912

N/A

XXXX

10110226

Closed

2026-01-29 21:14

2026-02-05 01:51

Resolved

1 - Information

Credit

Missing Doc

Title Document Missing

Resolved-Title document is missing in file, provided the same, changes made in system, Finding Resolved
- XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-Title Document is fully Present - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX

Open-Title Document is missing Preliminary/Final Title Documents are missing. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

XXXXXX XXXXXX.XXX

Investment

Purchase

7363913

N/A

XXXX

10110226

Closed

2026-02-03 10:41

2026-02-05 01:51

Resolved

1 - Information

Credit

Missing Doc

Loan Approval Document is Missing

Resolved-Loan Approval  is missing in file, provided the same, changes made in system, Finding Resolved
- XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded.  - Seller-XX/XX/XXXX

Open-Approval Certificate is missing from file.  - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX

Resolved-Loan Approval is missing in file, provided the same, changes made in system, Finding Resolved
- XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

XXXXXXX XXXXXXXX XXXX.XXX

Investment

Purchase

7422070

N/A

XXXX

10110227

Closed

2026-02-11 04:46

2026-02-20 04:26

Resolved

1 - Information

Credit

Title

Title Coverage is Less than Subject Lien(s) Total

Resolved-Received final Short form, resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s) - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX

Open-Title Coverage Amount of $X is Less than Loan Amount Preliminary title does not list an insured amount and no supplemental title report in file. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

XXXXX XX XXXXXX XXXXXXXXXXXX XX.XXX

Investment

Refinance

Cash Out - Other

7554382

N/A

XXXX

10110230

Closed

2026-02-02 22:48

2026-02-09 15:19

Resolved

1 - Information

Credit

Missing Doc

Borrower 3 Credit Report is Missing

Resolved-Credit report is missing in file, provided the same, changes made in system, Finding Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-Borrower 3 Credit Report is not missing. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX

Open-Borrower 3 Credit Report is Missing. Provide credit report for B3 - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

XXXX XXXXXX XXXXXX XXX XXX XXXXX.XXX

Primary Residence

Purchase

7410143

N/A

XXXX

10110230

Closed

2026-02-02 22:48

2026-02-09 15:19

Resolved

1 - Information

Credit

Borrower

Discrepancy between 1008 Page Qualifying FICO and actual Qualifying FICO

Resolved-Validation Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Open-Qualifying FICO on the XXXX Page is '' or blank, but the Qualifying FICO from the Credit Liabilities Page is 'XXX' or blank. Qualifying FICO entries do not match. Please confirm the correct Qualifying FICO value. Update XXXX with correct qualifying FICO - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-Validation Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Primary Residence

Purchase

7410145

N/A

XXXX

10110230

Closed

2026-02-02 23:55

2026-02-09 14:38

Resolved

1 - Information

Compliance

TRID Tolerance

Insufficient Tolerance Cure (50001028)

Resolved-Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Rescinded- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Rescinded-A Lender Credit for Excess Charges of ($X.XX), Principal Reduction for Excess Charges of ($X.XX), and general or specific lender credit increases of ($X.XX) were applied to the total fee variance of ($XXX.XX) between the baseline disclosure and the last Closing Disclosure. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. Lender credits increased by $X.XX which is with in tolerance limit. Rescinding the finding. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Rescinded-A Lender Credit for Excess Charges of ($X.XX), Principal Reduction for Excess Charges of ($X.XX), and general or specific lender credit increases of ($X.XX) were applied to the total fee variance of ($XXX.XX) between the baseline disclosure and the last Closing Disclosure. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. Lender credits increased by $X.XX which is with in tolerance limit. Rescinding the finding. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Primary Residence

Purchase

7410442

N/A

XXXX

10110233

Closed

2026-02-04 12:33

2026-02-06 06:36

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 Gap Credit Report is Incomplete

Resolved-Borrower 1 Gap Credit Report is not partially present. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-UDN received. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX

Open-Provide UDN/UDM for Borrower 1 - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-Borrower 1 Gap Credit Report is not partially present. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-UDN received. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

XXXXXXX XXX.XXX

Primary Residence

Refinance

Cash Out - Other

7446614

N/A

XXXX

10110234

Closed

2026-01-30 07:04

2026-02-04 04:53

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 3rd Party VOE Prior to Close Missing

Resolved-Xrd party VOE not required per GL's. Resolved - Due Diligence Vendor-XX/XX/XXXX _xXXXD_
Ready for Review-VOE not required on bank statement loans - Buyer-XX/XX/XXXX _xXXXD_
Open-Borrower X Xrd Party VOE Prior to Close Missing Provide Xrd Party VVOE prior to loan closing. - Due Diligence Vendor-XX/XX/XXXX

_xXXXD_

Resolved-Xrd party VOE not required per GL's. Resolved - Due Diligence Vendor-XX/XX/XXXX_xXXXD_

Investment

Purchase

7371450

N/A

XXXX

10110235

Closed

2026-02-10 05:04

2026-02-20 03:45

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 Gap Credit Report is Missing

Resolved-Borrower X Gap Credit Report is not missing. Received UDM, resolved. - Due Diligence Vendor-XX/XX/XXXX _xXXXD_
Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX _xXXXD_
Open-Borrower X Gap Credit Report is Missing Missing UDM. - Due Diligence Vendor-XX/XX/XXXX

_xXXXD_

Resolved-Borrower X Gap Credit Report is not missing. Received UDM, resolved. - Due Diligence Vendor-XX/XX/XXXX_xXXXD_

XXXXXX XXX.XXX

Primary Residence

Purchase

7532136

N/A

XXXX

10110235

Closed

2026-02-10 05:04

2026-02-20 03:45

Resolved

1 - Information

Credit

Missing Doc

Borrower 2 Gap Credit Report is Missing

_xXXXD_

Resolved-Borrower X Gap Credit Report is not missing. Received UDM, resolved. - Due Diligence Vendor-XX/XX/XXXX_xXXXD_

XXXXXX XXX.XXX

Primary Residence

Purchase

7532137

N/A

XXXX

10110236

Closed

2026-02-04 12:26

2026-02-20 06:07

Resolved

1 - Information

Credit

Insurance

Hazard Insurance Coverage Amount is less than Required Coverage Amount

Resolved-RCE provided.  Coverage exceeds RCE.   - Due Diligence Vendor-XX/XX/XXXX _xXXXD_
Resolved-Hazard Insurance Coverage Amount of $XXXXXX is equal to or greater than Required Coverage Amount of $XXXXXX or Guaranteed Replacement Coverage is present (Guaranteed Replacement Coverage indicator is 'No') - Due Diligence Vendor-XX/XX/XXXX _xXXXD_
Ready for Review-Document Uploaded.  - Buyer-XX/XX/XXXX _xXXXD_
Counter-Per GL's.  HAZARD INSURANCE COVERAGE REQUIREMEMNTS
Property coverage must meet one of the two options listed below:
X. XXX% of the dwelling replacement cost as determined by the insurer, typically evidenced by an RCE
(replacement cost estimator) OR
X. XXX% of the loan amount
RCE not provided and Loan Amount $X,XXX,XXX.  Dwelling coverage of $XXX,XXX is insufficient.  - Due Diligence Vendor-XX/XX/XXXX _xXXXD_
Ready for Review-Document Uploaded.  - Buyer-XX/XX/XXXX _xXXXD_
Open-Hazard Insurance Coverage Amount of $XXXXXX is less than Required Coverage Amount of $XXXXXXX and Guaranteed Replacement Coverage indicator is 'No' Hazard insurance coverage of $XXX,XX. is insufficient for Loan Amount $X,XXX,XXX.  Insurer RCE not provided.  - Due Diligence Vendor-XX/XX/XXXX

_xXXXD_

XXXXX XXXXXXXXXX.XXX_xXXXD_
XXXXX XXX.XXX

Investment

Purchase

7446489

N/A

XXXX

10110236

Closed

2026-02-04 13:05

2026-02-10 07:23

Resolved

1 - Information

Credit

Eligibility

Audited FICO is less than Guideline FICO

Resolved-Receipt of X months rent allows for up to XXX% of market Rent or $XXXX. Actual lease amount of $XXXX allowed. DSCR > X, FICO XXX meets GL's. - Due Diligence Vendor-XX/XX/XXXX _xXXXD_
Ready for Review-Receipt of X months rent allows for up to XXX% of market Rent or $XXXX. Actual lease amount of $XXXX allowed. DSCR > X, FICO XXX meets GL's. - Due Diligence Vendor-XX/XX/XXXX _xXXXD_
Ready for Review- X months receipt of rents uploaded (Xst months rent and security deposit) which would allow for the higher rental income.
The higher rental income makes the DSCR >X and the FICO is fine for DSCR >X.
- Buyer-XX/XX/XXXX _xXXXD_
Open-Audited FICO is less than Guideline FICO Audited FICO, XXX, does not meet required XXX for DSCR < X.X - Due Diligence Vendor-XX/XX/XXXX

_xXXXD_

Resolved-Receipt of X months rent allows for up to XXX% of market Rent or $XXXX. Actual lease amount of $XXXX allowed. DSCR > X, FICO XXX meets GL's. - Due Diligence Vendor-XX/XX/XXXX_xXXXD_

Investment

Purchase

7447189

N/A

XXXX

10110239

Closed

2026-02-09 03:13

2026-02-18 12:25

Resolved

1 - Information

Compliance

Fees:Limited

XXXX - Maximum Fees Allowed

Resolved-Resolved - Due Diligence Vendor-XX/XX/XXXX _xXXXD_
Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXD_
Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXD_
Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXD_
Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXD_
Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXD_
Open-. - Due Diligence Vendor-XX/XX/XXXX _xXXXD_
Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXD_
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX _xXXXD_
Open-The XXXX Constitution prohibits fees from exceeding X% of the principal balance on a non-purchase money loan. (Tex. Const. Art. XX Sec. XX(a)(X)(E); X TX ADC Sec. XXX.X) The XXXX Constitution prohibits fees from exceeding X% of the principal balance on a non-purchase money loan. Loan is over by $X,XXX.XX. - Due Diligence Vendor-XX/XX/XXXX _xXXXD_
Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXD_
Open- - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX_xXXXD_

Resolved-Resolved - Due Diligence Vendor-XX/XX/XXXX_xXXXD_

XXXXXXXX XXXXXX.XXX

Primary Residence

Refinance

Cash Out - Other

7510869

N/A

XXXX

10110239

Closed

2026-02-09 03:13

2026-02-18 12:25

Resolved

1 - Information

Compliance

Enterprise:FeeLimits

ER - XXXX Constitution 2% Fee Limit

Resolved-Resolved - Due Diligence Vendor-XX/XX/XXXX _xXXXD_
Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXD_
Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXD_
Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXD_
Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXD_
Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXD_
Open-. - Due Diligence Vendor-XX/XX/XXXX _xXXXD_
Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXD_
Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX _xXXXD_
Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXD_
Open-The XXXX Constitution prohibits fees from exceeding X% of the principal balance on a non-purchase money loan. (Tex. Const. Art. XX Sec. XX(a)(X)(E); X TX ADC Sec. XXX.X) The XXXX Constitution prohibits fees from exceeding X% of the principal balance on a non-purchase money loan - Due Diligence Vendor-XX/XX/XXXX _xXXXD_
Open- - Due Diligence Vendor-XX/XX/XXXX

_xXXXD_

Resolved-Resolved - Due Diligence Vendor-XX/XX/XXXX_xXXXD_

XXXXXXXX XXXXXX.XXX

Primary Residence

Refinance

Cash Out - Other

7510870

N/A

XXXX

10110239

Closed

2026-02-18 03:54

2026-02-18 12:25

Resolved

1 - Information

Compliance

TRID Tolerance

Lender Credits That Cannot Decrease Test (50001262)

Resolved-Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Rescinded- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Rescinded-The baseline amount of non-specific (lump sum) lender credits and specific lender credits disclosed is ($X,XXX.XX). The Last CD shows a total lender credit amount of ($X.XX). The following fees "lender credits" have decreased below their baseline amounts (General Lender Credit). Non-specific lender credits are generalized payments that do not pay for a particular fee. Specific lender credits are specific payments to pay for a specific fee. The total amount of non-specific and specific lender credits cannot decrease unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3)(i) and comments 19(e)(3)(i)-5 and -6; 12 CFR 1026.19(f)(2)(v); 12 CFR 1026.37(g)(6); 12 CFR 1026.38(h)). - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Rescinded-Loan Estimate Disclosures do not capture cents. Lender Credit increased $X.XX from Initial LE to Final CD which is within $X.XX tolerance. Finding Rescinded - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Open-The baseline amount of non-specific (lump sum) lender credits and specific lender credits disclosed is ($X,XXX.XX). The Last CD shows a total lender credit amount of ($X,XXX.XX). The following fees "lender credits" have decreased below their baseline amounts (General Lender Credit). Non-specific lender credits are generalized payments that do not pay for a particular fee. Specific lender credits are specific payments to pay for a specific fee. The total amount of non-specific and specific lender credits cannot decrease unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3)(i) and comments 19(e)(3)(i)-5 and -6; 12 CFR 1026.19(f)(2)(v); 12 CFR 1026.37(g)(6); 12 CFR 1026.38(h)). . - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Rescinded-The baseline amount of non-specific (lump sum) lender credits and specific lender credits disclosed is ($X,XXX.XX). The Last CD shows a total lender credit amount of ($X.XX). The following fees "lender credits" have decreased below their baseline amounts (General Lender Credit). Non-specific lender credits are generalized payments that do not pay for a particular fee. Specific lender credits are specific payments to pay for a specific fee. The total amount of non-specific and specific lender credits cannot decrease unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3)(i) and comments 19(e)(3)(i)-5 and -6; 12 CFR 1026.19(f)(2)(v); 12 CFR 1026.37(g)(6); 12 CFR 1026.38(h)). - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Rescinded-Loan Estimate Disclosures do not capture cents. Lender Credit increased $X.XX from Initial LE to Final CD which is within $X.XX tolerance. Finding Rescinded - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Primary Residence

Refinance

Cash Out - Other

7672364

N/A

XXXX

10110239

Closed

2026-02-09 02:21

2026-02-12 03:23

Resolved

1 - Information

Credit

Missing Doc

Hazard Insurance Policy is Missing

Resolved-Received HOI dec page, resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-Hazard Insurance Policy uploaded, Verified & entered in system - Resolved
- XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-Hazard Insurance Policy is fully present - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX

Open-Missing Hazard Insurance Policy Hazard insurance for the subject property is missing. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX

XXXXXXX XXXXXXXXX - XXXX-XX-XXTXXXXXX.XXX.XXX

Primary Residence

Refinance

Cash Out - Other

7510545

N/A

XXXX

10110239

Closed

2026-02-09 01:45

2026-02-12 03:23

Resolved

1 - Information

Credit

Title

Title Coverage is Less than Subject Lien(s) Total

Resolved-Received updated title commitment, resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-Updated Title Commitment uploaded, Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s), Verified & entered in system - Resolved
- XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s) - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX

Open-Title Coverage Amount of $XXXXXX is Less than Loan Amount Title Coverage Amount of $XXX,XXX is Less than Loan Amount $XXX,XXX. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX

XXXXXXX XXXXXXXXXX (XX).XXX

Primary Residence

Refinance

Cash Out - Other

7510428

N/A

XXXX

10110239

Closed

2026-02-09 08:42

2026-02-12 03:15

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 Gap Credit Report is Missing

Resolved-Borrower 1 Gap Credit Report is not missing. UDM received, resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-Borrower 1 Gap Credit Report is not missing. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. - XXXXX-XX/XX/XXXX

Open-Borrower 1 Gap Credit Report is Missing Missing UDM. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

XXXXXXXX XXX.XXX

Primary Residence

Refinance

Cash Out - Other

7516175

N/A

XXXX

10110239

Closed

2026-02-09 08:42

2026-02-12 03:15

Resolved

1 - Information

Credit

Missing Doc

Borrower 2 Gap Credit Report is Missing

Resolved-Borrower 2 Gap Credit Report is not missing. UDM received, resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-Borrower 2 Gap Credit Report is not missing. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. - XXXXX-XX/XX/XXXX

Open-Borrower 2 Gap Credit Report is Missing Missing UDM. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

XXXXXXXX XXX.XXX

Primary Residence

Refinance

Cash Out - Other

7516176

N/A

XXXX

10110241

Closed

2026-01-29 10:52

2026-02-17 03:08

Resolved

1 - Information

Property

Missing Doc

1004D Completion Report is Missing

Resolved-Received an appraisal that was not expired, resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-1004D Completion Report is present - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX

Counter-The appraisal is expired due to it being dated XX/XX/XXXX. Note date is XX/XX/XXXX. The appraisal is over 12 months (1 year old).
XXXXXXXXXX:
The appraisal should be dated no more than 120 days prior to the note
Appraisal recerts are allowed and are good for 120 days, original report age cannot exceed 12 months - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-appraisal is as is....please advise why you think a 1004D is needed - XXXXXX-XX/XX/XXXX

Counter-Received appraisal with and effective date of XX/XX/XXXX, missing recert of value (1004D), countered. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX

Open-1004D Completion Report is Missing 1004D completion report is missing from file. Appraisal has expired completed XX/XXXX note date XX/XXXX. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX

Ready for Review-appraisal is as is....please advise why you think a 1004D is needed - XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX

Resolved-Received an appraisal that was not expired, resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-1004D Completion Report is present - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

XXXX XX XX XXXXXXXX.XXX

XXXX XXXXXXX.X.XXXX.XXX.X.XXX

XXXX XXXXXXX.X.XXXX.XXXXXX.XXX

XXXX XXXXXXX.X.XXXX.XXX.X.XXX

XXXX XXXXXXX.X.XXXX.XXX.X.XXX

Primary Residence

Purchase

7355466

N/A

XXXX

10110241

Closed

2026-01-29 10:41

2026-02-06 03:08

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 Gap Credit Report is Missing

Resolved-Received undisclosed debt verification X, resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-Borrower 1 Gap Credit Report is not missing. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX

Open-Borrower 1 Gap Credit Report is Missing Missing undisclosed debt monitoring. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX

Resolved-Received undisclosed debt verification X, resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-Borrower 1 Gap Credit Report is not missing. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

XXXX XXX.XXX

Primary Residence

Purchase

7355265

N/A

XXXX

10110243

Closed

2026-02-19 11:52

2026-02-20 16:26

Resolved

1 - Information

Credit

Eligibility

Missing Property Tax Cert

Counter-Tax information provided with Property Report. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX

Open-Unable to locate the tax documentation for the property at XXX XXXXXXXXXXXX XXXX #XX, please provide. - Due Diligence Vendor-XX/XX/XXXX

XXX XXXXXXXX XXXXXXX - XXXX.XX.XXX

Primary Residence

Refinance

Cash Out - Other

7704079

N/A

XXXX

10110243

Closed

2026-02-10 03:59

2026-02-19 14:16

Resolved

1 - Information

Credit

Missing Doc

Borrower 2 Gap Credit Report is Missing

Resolved-Verification of Undisclosed Debt Monitoring provided - Due Diligence Vendor-XX/XX/XXXX

Resolved-Gap credit report provided. Resolved - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX

Open-Borrower X Gap Credit Report is Missing Gap report for BX is missing in file, and No UDM report in file. Although the guidelines do not require a gap report, the file must include evidence of undisclosed debt monitoring. This documentation could not be located in the file. Please provide the undisclosed debt monitoring report. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Verification of Undisclosed Debt Monitoring provided - Due Diligence Vendor-XX/XX/XXXX

Resolved-Gap credit report provided. Resolved - Due Diligence Vendor-XX/XX/XXXX

XXXXX XXX.XXX

Primary Residence

Refinance

Cash Out - Other

7531186

N/A

XXXX

10110243

Closed

2026-02-10 03:59

2026-02-19 14:16

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 Gap Credit Report is Missing

Resolved-Verification of Undisclosed Debt Monitoring provided - Due Diligence Vendor-XX/XX/XXXX

Resolved-Gap credit report provided. Resolved - Due Diligence Vendor-XX/XX/XXXX

XXXXX XXX.XXX

Primary Residence

Refinance

Cash Out - Other

7531185

N/A

XXXX

10110245

Closed

2026-02-21 21:50

2026-03-02 01:28

Resolved

1 - Information

Credit

Eligibility

Ineligible Housing History per program guidelines

Resolved-The borrowers primary residence is owned and the mortgage is in the husbands name. The mortgage statement is in file on page #XXX hence condition resolved. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-The borrowers primary residence is owned and the mortgage is in the husbands name. The mortgage statement is in file

- Buyer-XX/XX/XXXX

Open-Housing History Does Not Meet Guideline Requirements Borrower living in own residence from past XX years, however housing history is missing from file, required VOM/Free and clear LOX is missing from file. - Due Diligence Vendor-XX/XX/XXXX

Investment

Refinance

No Cash Out - Borrower Initiated

7740533

N/A

XXXX

10110246

Closed

2026-02-09 06:49

2026-03-04 04:05

Resolved

1 - Information

Credit

Missing Doc

Evidence of Property Tax Missing

Resolved-Received tax bill, PCCD, first payment letter, and escrow statement. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Evidence of Property Tax is present - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX

Counter-Please provide tax bill for the $X,XXX.XX biannually per the new documents provided. Tax bill provided in file only shows $X,XXX.XX bi annually, countered. Also there is no proof these documents have been sent to the borrower. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-updated docs attached - Seller-XX/XX/XXXX

Counter-Missing Evidence of Property Tax Missing tax certificate showing taxes at $X,XXX.XX bi annually (Initial Escrow Account Disclosure statement and CD). Tax bill provided in file only shows $X,XXX.XX bi annually, countered - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-please clarify where you are getting the conflicting tax amount? - Seller-XX/XX/XXXX

Open-Missing Evidence of Property Tax Missing tax certificate showing taxes at $X,XXX.XX bi annually. Tax bill provided in file only shows $X,XXX.XX bi annually. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX

Ready for Review-updated docs attached - Seller-XX/XX/XXXX

Ready for Review-please clarify where you are getting the conflicting tax amount? - Seller-XX/XX/XXXX

Resolved-Received tax bill, PCCD, first payment letter, and escrow statement. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Evidence of Property Tax is present - Due Diligence Vendor-XX/XX/XXXX

XXXXXX XXXXXXX XXXX.XXX

XXXXXX XXX XXXX.XXX

Primary Residence

Purchase

7513907

N/A

XXXX

10110246

Closed

2026-02-09 02:46

2026-02-13 04:14

Resolved

1 - Information

Credit

Doc Issue

Missing asset documentation (ATR)

Resolved-On the asset screen I deducted the XX,XXX.XX EMD from the assets reran guidelines and passed borrower still has enough funds for reserves. Per client the clients directive guidelines do not state anything about EMD, resolved. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-The earnest money was deducted from excess funds. We verified seasoned funds in excess of $XXXk which would cover the earnest money ..it is on the final CD in section L, line X - Buyer-XX/XX/XXXX

Counter-Bank statement for XXXX XXXXXXX XXXX XXX XXXXXX #X dated XX.XX.XXXX does not show a XX,XXX check or with drawn for or to title company for EMD. It does show XXX CHECKS AND OTHER WITHDRAWALSTOTALING XX,XXX.XX. These are an accumulation of smaller checks and withdrawals. Missing proof of $XX,XXX.XX EMD in file, countered. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-It was deducted from the balance of Xst XXXX XXXX XXXXXXX XXXX XXX XXXXXX #X -XXK EMD XX.XX.XX – Look in assets - Buyer-XX/XX/XXXX

Open-Missing proof of earnest money deposit in the amount of $XX,XXX.XX. - Due Diligence Vendor-XX/XX/XXXX

Primary Residence

Purchase

7510680

N/A

XXXX

10110246

Closed

2026-02-09 02:18

2026-02-10 02:57

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 Gap Credit Report is Missing

Resolved-Received UDM, resolved. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Borrower X Gap Credit Report is not missing. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX

Open-Borrower X Gap Credit Report is Missing Missing UDM. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX

Resolved-Received UDM, resolved. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Borrower X Gap Credit Report is not missing. - Due Diligence Vendor-XX/XX/XXXX

XXXXXX XXX.XXX

Primary Residence

Purchase

7510534

N/A

XXXX

10110247

Closed

2026-02-06 03:23

2026-03-03 07:41

Resolved

1 - Information

Compliance

TRID

Federal - Closing Disclosure and Consummation Date

Resolved-ICD sent X/XX/XXXX rec'd/resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded.  - XXXXXX-XX/XX/XXXX

Counter-Verification that the initial CD was sent to the Borrower and/or received  by the Borrower X days prior to Closing Date X/XX/XX is missing.   - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded.  - XXXXXX-XX/XX/XXXX

Open-Verification of receipt of Initial CD dated X/XX/XX X days prior to closing date X/XX/XX missing. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-Verification of receipt of Initial CD dated X/XX/XX X days prior to closing date X/XX/XX missing. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded.  - XXXXXX-XX/XX/XXXX

Open-The Initial Closing Disclosure was provided on (XXXX-XX-XX) via (Other). Under Regulation Z, a consumer must receive the Initial Closing Disclosure reflecting the actual terms of the transaction not later than three business days prior to the consummation date of (XXXX-XX-XX). Since the Initial Closing Disclosure was not provided in person, a consumer is considered to have received it on (XXXX-XX-XX), which is three business days after it was delivered or placed in the mail. Since the Initial Closing Disclosure was not provided to the consumer in person, it should have been provided to the consumer no later than (XXXXXXXX), for consummation to occur on (XXXX-XX-XX). (XX CFR XXXX.XX(f)(X)(ii)(A)); XXXX.XX(f)(X)(iii))   - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded.  - XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded.  - XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded.  - XXXXXX-XX/XX/XXXX

Resolved-ICD sent X/XX/XXXX rec'd/resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-Verification of receipt of Initial CD dated X/XX/XX X days prior to closing date X/XX/XX missing. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

XXXXX XXXXXXX XX.XXX

XXXXX XXXXXXXX XXXXXXX XX (XX).XXX

XXXXX XXX XXXXXXXX.XXX

Primary Residence

Purchase

7483701

N/A

XXXX

10110247

Closed

2026-02-03 06:09

2026-02-06 08:13

Resolved

1 - Information

Compliance

Missing Doc

TRID: Missing Initial Closing Disclosure

Resolved-rec'd Initial CD/resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX

Open-TRID: Missing Closing Disclosure Provide Initial Closing Disclosure - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX

Resolved-rec'd Initial CD/resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

XXXXX XXXXXXX XX.XXX

Primary Residence

Purchase

7413343

N/A

XXXX

10110248

Closed

2026-02-03 02:20

2026-02-04 15:34

Resolved

1 - Information

Compliance

HigherPriced:APR

Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming)

Primary Residence

Purchase

7411079

N/A

XXXX

10110249

Closed

2026-02-09 03:02

2026-02-20 07:18

Resolved

1 - Information

Credit

Eligibility

Ineligible Housing History per program guidelines

Resolved-AUS A/E rec'd - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. - XXXXX-XX/XX/XXXX

Open-Provide XX month VOR for current residence - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Rescinded-Housing History Does Not Meet XXXXXXXXX XXXXXXXXXXXX - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-AUS A/E rec'd - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Rescinded-Housing History Does Not Meet XXXXXXXXX XXXXXXXXXXXX - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

XXXXX XXX XX XXXX XX XXXXXXX XXXXXXX.XXX

Investment

Purchase

7510786

N/A

XXXX

10139056

Closed

2026-02-05 01:45

2026-02-12 07:03

Resolved

1 - Information

Compliance

TRID Tolerance

Lender Credits That Cannot Decrease Test (50001262)

Resolved-Credit was decreased due to final figures from the title company. LE has zero lender credit as well. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Credit was decreased due to final figures from the title company. LE has zero lender credit as well. - XXXXXX-XX/XX/XXXX

Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Open-The baseline amount of non-specific (lump sum) lender credits and specific lender credits disclosed is ($XXX.XX). The Last CD shows a total lender credit amount of ($X.XX). The following fees "lender credits" have decreased below their baseline amounts (General Lender Credit). Non-specific lender credits are generalized payments that do not pay for a particular fee. Specific lender credits are specific payments to pay for a specific fee. The total amount of non-specific and specific lender credits cannot decrease unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (XX CFR XXXX.XX(e)(X)(i) and comments XX(e)(X)(i)-X and -X; XX CFR XXXX.XX(f)(X)(v); XX CFR XXXX.XX(g)(X); XX CFR XXXX.XX(h)). Lender credit got removed in Final Closing disclosure while in initial Closing disclosure the lender credits were $XXX, Changed circumstances is required addressing the decrease - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Credit was decreased due to final figures from the title company. LE has zero lender credit as well. - XXXXXX-XX/XX/XXXX

Resolved-Credit was decreased due to final figures from the title company. LE has zero lender credit as well. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Primary Residence

Purchase

7455075

N/A

XXXX

10139056

Closed

2026-02-04 23:42

2026-02-12 07:02

Resolved

1 - Information

Credit

Borrower

Discrepancy between 1008 Page Qualifying FICO and actual Qualifying FICO

Resolved-Condition cleared. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX

Open-Qualifying FICO on the XXXX Page is 'XXX' or blank, but the Qualifying FICO from the Credit Liabilities Page is 'XXX' or blank. Qualifying FICO entries do not match. Please confirm the correct Qualifying FICO value. Variance is present due to different FICO used through qualifying FICO Method. As per the XXXXXXXXXX For borrowers with X scores, the middle score is used. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX

Resolved-Condition cleared. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

XXXXXX XXXX.XXX

Primary Residence

Purchase

7454498

N/A

XXXX

10139056

Closed

2026-02-04 23:42

2026-02-12 07:02

Resolved

1 - Information

Credit

Eligibility

Ineligible Housing History per program guidelines

Resolved-DU utilized for housing history. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. AUS in lieu of Housing history - XXXXX-XX/XX/XXXX

Open-Housing History Does Not Meet XXXXXXXXX XXXXXXXXXXXX Unable to verify rental history. VOR is missing. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-DU utilized for housing history. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

XXXXXX XXX XX XXXX XX XXXXXXX XXXXXXX.XXX

Primary Residence

Purchase

7454496

N/A

XXXX

10139056

Closed

2026-02-04 22:36

2026-02-12 07:01

Resolved

1 - Information

Credit

Missing Doc

1008 Document is Missing

Resolved- - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX

Ready for Review-DU is used in lieu for housing history only - XXXXX-XX/XX/XXXX

Open-The XXXX document is missing from the loan file. The XXXX indicates manual underwriting; however, a DU is present in the file and Approve/Eligible. Please provide the final XXXX. - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX

Primary Residence

Purchase

7454109

N/A

XXXX

10139056

Closed

2026-02-05 01:45

2026-02-09 20:35

Resolved

1 - Information

Compliance

HigherPriced:APR

Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming)

Primary Residence

Purchase

7455076

N/A

XXXX

10139056

Closed

2026-02-05 01:45

2026-02-09 20:35

Resolved

1 - Information

Compliance

HigherPriced:APR

North Carolina - Rate Spread Home Loan (First Lien 10/13)(Conforming)

Resolved-The loan's (X.XXX%) APR equals or exceeds the North Carolina Rate Spread Home Loan first lien conforming loan threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this closed end loan secured by a X-X unit dwelling is (X.XX%).(N.C. Gen. Stat. XX-X.XF(aX); XX USC XXXXc(c)(X)(B)(ii); XX CFR XXXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. ( XX CFR § XXXXX.XX(a)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s XXX and the Final Closing disclosure on Pg#’s XXX Finding reflects escrows. Rate lock date was entered correctly – see Pg#’s XXX. An interior and exterior appraisal was completed for this property – see pg XX, the appraisal disclosure was provided to the borrower(s)- see Pg#’s XXX, and confirmation the appraisal was delivered to the borrower – see Pg#’s XXX. The loan meets HPML guidelines, resolved.
- XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX

Open- - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX

Open- - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX

Primary Residence

Purchase

7455080

N/A

XXXX

10139057

Closed

2026-02-27 05:00

2026-03-04 14:32

Resolved

1 - Information

Compliance

Mavent

XXXX Fee Not Allowed- Doc Tax Stamps/Transfer Taxes – City/County (Fee ID: 67)

Resolved- - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX
Ready for Review-Document Uploaded. XX shows this passing state regs.
- XXXXX-XX/XX/XXXX
Open- - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX
Open- - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX
Open- - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX
Open- - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX
Open-XXXXXXX law does not allow Doc Tax Stamps/Transfer Taxes – XXXX/XXXXXX (Fee ID: XX) to be charged to the Borrower, Seller, Originator, Lender or Other in XX. - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX
Open- - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX

Resolved- - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX

XXXXX XX - XXXXXXX XXXXX XXXX.xxx

Primary Residence

Purchase

7840818

N/A

XXXX

10139057

Closed

2026-02-27 03:38

2026-03-04 13:55

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 3rd Party VOE Prior to Close Missing

Resolved-Utilized the business narrative to determine the borrower has XX% ownership of the business and meets the guideline minimum of XX%. - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX

Ready for Review-This is in relation to a VVOE for a self-employed borrower. This loan is a XX months bank statement and the active an ongoing business requirement within XX days of the Note date is not required.
- XXXXX-XX/XX/XXXX

Open-Borrower X Xrd Party VOE Prior to Close Missing. - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX

Resolved-Utilized the business narrative to determine the borrower has XX% ownership of the business and meets the guideline minimum of XX%. - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX

Primary Residence

Purchase

7840092

N/A

XXXX

10139062

Closed

2026-02-22 00:31

2026-02-27 03:24

Resolved

1 - Information

Credit

Missing Doc

Hazard Insurance Policy is Missing

Resolved-Hazard Insurance Policy uploaded, Verified & entered in system - Resolved
- XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. - XXXXX-XX/XX/XXXX

Open-Provide Hazard Insurance Policy, Missing in File - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX

Resolved-Hazard Insurance Policy uploaded, Verified & entered in system - Resolved
- XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX

XXXXXXXX XXX XXXXXX.xxx

Investment

Refinance

No Cash Out - Borrower Initiated

7740815

N/A

XXXX

10139062

Closed

2026-02-23 14:49

Waived

2 - Non-Material

Credit

Eligibility

Housing History Does Not Meet Guideline Requirements

Waived-underwriter exceptions used non institutional lender vom for housing history provided - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX

$XX,XXX reserves exceed the minimum required of $XX,XXX exceeds the minimum by X months over the required minimum.
XxXX mortgage history for XX months.

Investment

Refinance

No Cash Out - Borrower Initiated

7765690

Originator Pre-Close

Yes

XXXX

10139067

Closed

2026-02-12 06:24

2026-02-12 06:57

Waived

2 - Non-Material

Property

Property Type does not meet eligibility requirement(s)

Waived-Waiver in file on page XXX for non-warrantable condo. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

_xXXXD_

Waived-Waiver in file on page XXX for non-warrantable condo. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX_xXXXD_

The following are the compensating factors for the exception:
-XXX Representative credit score exceeds the minimum required of XXX by XXX points
-XxXX mortgage history for XX months.
-XX.XX% LTV is below the maximum XX% LTV by XX.XX%.

Investment

Purchase

7580262

Originator Pre-Close

Yes

XXXX

10139069

Closed

2026-02-05 11:07

Waived

2 - Non-Material

Property

Property has been listed for sale in the past 6 months

Waived-Client elects to waive with the following compensating factors:
Cash out with <X months seasoning, property recently listed.
Appraisal shows listing was removed/withdrawn XX/XX/XXXX. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

_xXXXD_

X months reserves per guidelines, qualified with XX.XX months reserves for a difference of XX.X months
Minimum FICO per guidelines XXX, Qualified with a FICO of XXX
Minimum Loss Rent required zero, qualified with XX months actual loss of rent.

Investment

Refinance

Limited Cash Out - <2% of Loan Amount or $2000

7472400

Originator Pre-Close

Yes

XXXX

10139075

Closed

2026-02-19 21:24

2026-02-27 03:21

Resolved

1 - Information

Compliance

Missing Doc

Closing Detail Statement is Missing

Resolved-Disbursement date is prior to closing date, provided updated Settlement statement , changes made in system, Finding Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXD_
Resolved-Validation Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXD_
Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX _xXXXD_
Open-Closing Doc is Missing. Disbursement date XX/X/XXXX on Final CD is prior to the Notary date XX/XX/XXXX on DOT. Provide updated Final CD - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

_xXXXD_

XXXXXXX XXX.XXX_xXXXD_
XXXXXXX XXXX.XXX_xXXXD_
XXXXXXX XXXXXXXXXX XXXXXXXXX.XXX

Investment

Refinance

Cash Out - Other

7712834

N/A

XXXX

10139075

Closed

2026-02-19 21:17

2026-02-23 08:19

Waived

2 - Non-Material

Credit

Eligibility

Ineligible Housing History per program guidelines

Waived-Housing payments not verified. Unable to verify borrowers primary. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXD_
Open-Housing History Does Not Meet Guideline Requirements Exception Approval Form is on page #XXX

Credit : Housing Payments Not Verified ; Unable to verify the Borrowers Primary housing History - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

_xXXXD_

Waived-Housing payments not verified. Unable to verify borrowers primary. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX_xXXXD_

XX.XX% LTV is below the maximum XX% LTV by XX.XX%.
XXX Representative credit score exceeds the minimum required of XXX by XX points
$XXX,XXX reserves exceed the minimum required of $XX,XXX exceeds the minimum by XX months over the required minimum.

Investment

Refinance

Cash Out - Other

7712807

Originator Pre-Close

Yes

XXXX

10139076

Closed

2026-02-17 09:11

2026-02-19 08:13

Resolved

1 - Information

Compliance

Mavent

Late: Amount

Resolved-corrected Note screen-LC - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXD_
Resolved- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXD_
Ready for Review-Please advise. i do not see a late fee amount on the CD - Seller-XX/XX/XXXX _xXXXD_
Open-The ($XXX.XX) late fee amount, the (X.X%) late fee percent, or the ($XXX.XX) maximum late fee amount exceed the threshold. Under the XXXX Real Estate Law, a late fee cannot exceed the greater of XX% of the installment due that is attributable to principal and interest or $X. (Cal. Bus. & Prof. Code XXXXX.X) - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXD_
Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Please advise. i do not see a late fee amount on the CD - Seller-XX/XX/XXXX_xXXXD_

Resolved-corrected Note screen-LC - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX_xXXXD_

Primary Residence

Refinance

No Cash Out - Borrower Initiated

7655101

N/A

XXXX

10139076

Closed

2026-02-11 02:41

2026-02-19 07:44

Resolved

1 - Information

Compliance

AbilityToRepay:TermAndFeatures

Federal - Qualified Mortgage Loan Features (01/14)

Resolved-Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXD_
Open-updated - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXD_
Rescinded-updated - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXD_
Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXD_
Rescinded-This loan cannot be a General Qualified Mortgage. The (XXX.X) months interest only payments make it ineligible. (XX CFR XXXX.XX(e)(X)(i)(B)) Mavent QM type has been updated as 'General qualified mortgage', hence condition has been added. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXD_
Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXD_
Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXD_
Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

_xXXXD_

Resolved-Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXD_
Rescinded-updated - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXD_
Rescinded-This loan cannot be a General Qualified Mortgage. The (XXX.X) months interest only payments make it ineligible. (XX CFR XXXX.XX(e)(X)(i)(B)) Mavent QM type has been updated as 'General qualified mortgage', hence condition has been added. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX_xXXXD_

Primary Residence

Refinance

No Cash Out - Borrower Initiated

7553342

N/A

XXXX

10139076

Closed

2026-02-11 02:41

2026-02-19 07:33

Resolved

1 - Information

Compliance

Rescission:Disbursement

Federal - Right of Rescission (Loan Disbursement Violation) (TILA)

Resolved-PCCD rec'd - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXD_
Resolved- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXD_
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX _xXXXD_
Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXD_
Open-The loan disbursement date (XXXX-XX-XX) is earlier than, or the same day as, the calculated "Right to Cancel Expire Date" (XXXX-XX-XX). Under Regulation Z, funds may not be disbursed to the borrower until after the expiration of the rescission period. (Reg Z, XX CFR XXXX.XX(c) and Official Staff Commentary) Confirmed disbursement date and Right to cancel date is XX/XX/XXXX. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXD_
Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXD_
Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX_xXXXD_

Resolved-PCCD rec'd - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX_xXXXD_

XXXXXXX XXXX XXXXXXXX XXXX.XXX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

7553343

N/A

XXXX

10139078

Closed

2026-02-10 05:18

2026-02-11 11:38

Waived

2 - Non-Material

Credit

Income/Employment

Income and Employment Do Not Meet Guidelines

Open-Income and Employment Do Not Meet Guidelines As per Exception page#XXX : X NSFS WITHIN THE MOST RECENT XX MONTHS. - Due Diligence Vendor-XX/XX/XXXX

XX.X% LTV is below the maximum XX% LTV by XX.X%, XX.XX% DTI is below the maximum XX% DTI by X.XX%, Borrower has been employed at current job for X years.

Primary Residence

Purchase

7532297

Originator Pre-Close

Yes

XXXX

10139079

Closed

2026-02-12 09:00

2026-02-24 11:28

Resolved

1 - Information

Credit

Title

Property Title Issue

Resolved-Grant deed from seller to borrower reviewed and accepted. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX

Open-Quit Claim Deed transferring property from XXXXX XXXXX XX, XXX to Borrowers missing. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Grant deed from seller to borrower reviewed and accepted. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXXXXXX.pdf

Investment

Refinance

Rate and Term

7585029

N/A

XXXX

10139082

Closed

2026-02-12 23:10

2026-02-20 04:13

Waived

2 - Non-Material

Credit

Eligibility

Loan does not conform to program guidelines

Waived-Client elects to waive with the following compensating factors: - Due Diligence Vendor-XX/XX/XXXX

Waived-Client elects to waive with the following compensating factors: - Due Diligence Vendor-XX/XX/XXXX

Waived-Client elects to waive with the following compensating factors:
Exception page XXX is made for NSF Limits, X NSF and exceeds X NSF. - Due Diligence Vendor-XX/XX/XXXX

X. LTV is XX.XX%. Maximum allowed per guidelines is XX%. Difference of XX.XX%.
X. Reserves audited XX.XX, Max required by guidelines X for a difference of -XX.XX.
X.FICO audited XXX, Max required by guidelines XXX for a difference of XX.
X. Same job experience in last X years X month.
X. No derogatory or late payments in past X years.

Primary Residence

Refinance

Cash Out - Other

7599933

Originator Pre-Close

Yes

XXXX

10139082

Closed

2026-02-12 22:15

2026-02-20 04:04

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 Gap Credit Report is Missing

Resolved-Borrower X Gap Credit Report is not missing. Received UDM report, resolved. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX

Open-Borrower X Gap Credit Report is Missing Missing UDM report. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Borrower X Gap Credit Report is not missing. Received UDM report, resolved. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXXXXXXXXXXXX.pdf

Primary Residence

Refinance

Cash Out - Other

7599570

N/A

XXXX

10139084

Closed

2026-03-02 00:00

2026-03-05 04:07

Resolved

1 - Information

Credit

Missing Doc

Borrower 2 Gap Credit Report is Missing

Resolved-UDM Report is missing in file which is required per GL's, Provided the same, changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX

Resolved-Borrower X Gap Credit Report is not missing. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX

Open-Borrower X Gap Credit Report is Missing Provide evidence of Undisclosed Debt Monitoring for Borrower X. Additionally, provide credit supplement for the following new debts opened to verify balance and payment: XXXXXXXX XXXX, XXXXXXXXX XXXX and XXXXX XXXXX. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXXXXX.pdf

Primary Residence

Refinance

Cash Out - Other

7865413

N/A

XXXX

10139084

Closed

2026-03-02 00:00

2026-03-05 04:06

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 Gap Credit Report is Missing

XXXXXXXXXXX.pdf

Primary Residence

Refinance

Cash Out - Other

7865412

N/A

XXXX

10139084

Closed

2026-03-02 01:06

2026-03-02 11:07

Waived

2 - Non-Material

Credit

Eligibility

Non-occupant co-borrowers not allowed per guidelines

Waived-Underwriting Exception provided on page XXX: Exception request: Non-occupied co-borrower cash out. - Due Diligence Vendor-XX/XX/XXXX

Client elects to waive with the following compensating factors:
-Borrower housing history is XXXX, XX months. Housing history required per guidelines is XXXX, XX months.
-Time on current job, X years.
-Total obligations reduced by XX%.

Primary Residence

Refinance

Cash Out - Other

7865706

Originator Pre-Close

Yes

XXXX

10139090

Closed

2026-02-10 00:28

2026-02-20 11:40

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 Gap Credit Report is Missing

Resolved-Evidence of Undisclosed Debt Monitoring provided. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Requested gap credit report provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX

Open-Borrower 1 Gap Credit Report is Missing Missing UDM in the file. Although the guidelines do not require a gap report, the file must include evidence of undisclosed debt monitoring. This documentation could not be located in the file. Please provide the undisclosed debt monitoring report. - Due Diligence Vendor-XX/XX/XXXX

XXXXXX XXX_XXX (XX).XXX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

7529995

N/A

XXXX

10139091

Closed

2026-02-18 08:28

2026-02-25 08:18

Resolved

1 - Information

Credit

Title

Title Coverage is Less than Subject Lien(s) Total

Resolved-Title Supplement provided with adequate coverage.  - Due Diligence Vendor-XX/XX/XXXX

Resolved-Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-XX/XX/XXXX

Open-Title Coverage Amount of $XXXXXX is Less than Loan Amount - Due Diligence Vendor-XX/XX/XXXX

Resolved-Title supplement provided adequate coverage.  - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded.  - Buyer-XX/XX/XXXX

Open-Title Coverage Amount of $XXX,XXX is Less than Loan Amount Preliminary Report reflect Title coverage amount of $XXX,XXX which is not sufficient for loan amount $XXX,XXX - Due Diligence Vendor-XX/XX/XXXX

XXXXX XXXXX XXXXXXXXXX.XXX

Investment

Purchase

7677328

N/A

XXXX

10139091

Closed

2026-02-18 08:52

2026-02-25 07:21

Resolved

1 - Information

Compliance

TRID

Final CD: Disbursement Date is missing or inaccurate

Resolved-PCCD provided with updated closing/Disbursement dates. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX

Open-Final Closing Disclosure Disbursement date X/X/XX is prior to actual Closing Date X/X/XX - Due Diligence Vendor-XX/XX/XXXX

Resolved-PCCD provided with updated closing/Disbursement dates. - Due Diligence Vendor-XX/XX/XXXX

XXXXX XXXXX XXXXXXXXXX XXXX.XXX

XXXXX XXXX.XXX

Investment

Purchase

7677780

N/A

XXXX

10139092

Closed

2026-03-03 08:39

Waived

2 - Non-Material

Credit

Eligibility

Loan does not conform to program guidelines

Waived-Loan does not conform to program guidelines Exception page XXX
Exception Reason: NUMBER OF REO -X REO Properties - Due Diligence Vendor-XX/XX/XXXX

Borrower has been employed at current job for X years.
Borrower has $XX,XXX residual income after all expenses. Min required is $X,XXX

Primary Residence

Refinance

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

7896386

Originator Pre-Close

Yes

XXXX

10139092

Closed

2026-02-18 08:26

2026-02-23 04:53

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 Gap Credit Report is Missing

Resolved-Received UDM, resolved. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX

Open-Borrower 1 Gap Credit Report is Missing Missing UDM. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX

Resolved-Received UDM, resolved. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-XX/XX/XXXX

XXXXX XXX.XXX

Primary Residence

Refinance

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

7677280

N/A

XXXX

10139092

Closed

2026-02-18 08:26

2026-02-23 04:53

Resolved

1 - Information

Credit

Missing Doc

Borrower 2 Gap Credit Report is Missing

Resolved-Received UDM, resolved. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Borrower 2 Gap Credit Report is not missing. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX

Open-Borrower 2 Gap Credit Report is Missing Missing UDM. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX

Resolved-Received UDM, resolved. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Borrower 2 Gap Credit Report is not missing. - Due Diligence Vendor-XX/XX/XXXX

XXXXX XXX.XXX

Primary Residence

Refinance

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

7677281

N/A

XXXX

10139092

Closed

2026-02-14 22:28

2026-02-23 04:12

Resolved

1 - Information

Credit

Title

Title Coverage is Less than Subject Lien(s) Total

Resolved-Requested updated title report with updated coverage amount provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX

Open-Title Coverage Amount of $XXXXXX is Less than Loan Amount $XXX.XXX. - Due Diligence Vendor-XX/XX/XXXX

XXXXX XXXXX.XXX

Primary Residence

Refinance

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

7623861

N/A

XXXX

10139097

Closed

2026-02-23 22:55

2026-03-02 01:09

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 Gap Credit Report is Missing

Resolved-Requested UDM in lieu of gap credit report provided, updated & condition resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-Borrower X Gap Credit Report is not missing. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. - XXXXX-XX/XX/XXXX

Open-Borrower X Gap Credit Report is Missing Undisclosed Debt Monitoring is missing. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

XXXXXXXXXXXX

Investment

Purchase

7772079

N/A

XXXX

10139098

Closed

2026-02-20 15:37

2026-02-20 15:42

Waived

2 - Non-Material

Credit

Eligibility

Borrower owns more financed properties than allowed per guidelines

Waived-UW Exception provided on page XXX for Number of properties owned (X) exceeding maximum allowed per GL of X - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Open-UW Exception provided on page XXX for Number of properties owned (X) exceeding maximum allowed per GL of X - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Waived-UW Exception provided on page XXX for Number of properties owned (X) exceeding maximum allowed per GL of X - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Borrower has been employed at current job for X years.
XXX Representative credit score exceeds the minimum required of XXX by XX points

Investment

Purchase

7731675

Originator Pre-Close

Yes

XXXX

10139098

Closed

2026-02-09 03:50

2026-02-12 01:12

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 Gap Credit Report is Missing

Resolved-Undisclosed Debt Verification (UDN) document uploaded, Verified & entered in system - Resolved
- XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-Borrower X Gap Credit Report is not missing. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. - XXXXX-XX/XX/XXXX

Open-Borrower X Gap Credit Report is Missing Provide the UDM Report. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

XXXXXXXXXXXXXXXXX

Investment

Purchase

7511100

N/A

XXXX

10139101

Closed

2026-02-19 05:41

2026-02-19 05:46

Waived

2 - Non-Material

Credit

DSCR Does Not Meet Guideline Requirements

Waived-Client elects to waive with the following compensating factors:
Exception in uploads Loan Approval X
Lender is using the actual seller short term rent however the guidelines require the use of the lowest of the actual and market rent. Short term income is higher.
RENTAL DATA PROVIDED BY XXXXXX/XXXXXXXX XXXXXXXX: $XXX,XXX.XX X XX%= $XXX,XXX.XX /XX= $X,XXX.XX
STR XXXX: $XX,XXX X XX%= $X,XXX.XX - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Guidelines max LTV is XX%, Audited XX% LTV, Difference XX%
Guidelines require a XXX credit score, audited credit score XXX, difference of XX
Guidelines require X months reserves, audited reserves XX.XX, difference of X.XX
Rental loss coverage not required in guidelines, borrower is carrying rental loss coverage.

Investment

Purchase

7693830

Originator Pre-Close

Yes

XXXX

10139103

Closed

2026-02-10 06:25

2026-03-05 14:58

Resolved

1 - Information

Credit

Eligibility

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

Resolved-Document utilized to clear the finding. XXXXX XXXXX XXXX balance ended in XX,XXX.XX to meet guideline requirement. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-XXXXX xXXXX (XX/X- X/X) = $XX,XXX.XX
XXXXX xXXXX (XX/X- X/X) = $XXX,XXX.XX
XXX xXXXX (XX/XX-XX/X) = $XX,XXX.XX
XXX xXXXX (XX/XX-XX/X) = $X,XXX.XX
XX xXXXX (XX/X-XX/XX) = $X,XXX.XX

Total Funds = $XXX,XXX.XX
- XXXXX-XX/XX/XXXX

Counter-The XXXXX XXXXX account in file has a balance of $X.XX as of X/X/XXXX on page XX of the loan file. A total of $XX,XXX.XX was withdrawn from the account prior to close and cannot be used for a reserve requirement unless documented as available in another account. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-We are not short funds.

Piti = $X,XXX.XX

Cash to close = $XXX,XXX.XX
Reserves = XXXX.XX * X = $XX,XXX

Total funds required = $XXX,XXX.XX

Accounts:

XXXXX xXXXX = $XX,XXX.XX (account statements in file from XX/X/XX – X/X/XX)
XXXXX xXXXX = $XX,XXX.XX (account statements in file from XX/X/XX – XX/XX/XX)
XXXXX xXXXX = $X,XXX.XX (account statements in file from XX/X/XX – X/X/XX)
XXX xXXXX = $XX,XXX.XX (account statements in file from XX/XX/XX – XX/X/XXXX)
XX xXXXX = $XX,XXX.XX (account statements in file from XX/X/XX – XX/X/XX)

Total funds verified = $XXX,XXX.XX
- XXXXX-XX/XX/XXXX

Open- Total Reserve Amount Shortage is $X,XXX.XX provided supporting asset Document
- XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-Document utilized to clear the finding. XXXXX XXXXX XXXX balance ended in XX,XXX.XX to meet guideline requirement. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

XXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX

Investment

Purchase

7533415

N/A

XXXX

10139114

Closed

2026-02-14 01:14

2026-02-19 15:21

Resolved

1 - Information

Credit

Title

Title Coverage is Less than Subject Lien(s) Total

Resolved-Received title policy with updated loan amount $XXX,XXX. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s) - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. - XXXXX-XX/XX/XXXX

Open-Title Coverage Amount of $XXXXXX is Less than Loan Amount Provide Title policy. Title coverage amount $XXX,XXX is lower than loan amount $XXX,XXX. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

XXXXXXXXXXXXXXXXXXX

Primary Residence

Refinance

Cash Out - Other

7621676

N/A

XXXX

10139115

Closed

2026-02-10 07:21

2026-02-20 12:56

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 Gap Credit Report is Missing

XXXXXXXXXXXXXXXXXXXXXXXX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

7534758

N/A

XXXX

10139115

Closed

2026-02-20 12:37

2026-02-20 12:48

Waived

2 - Non-Material

Property

Property Issues indicated

Waived-Unable to Resolve-UW Exception for Unpermitted Living Space in subject property provided, page XXX - XXX XXXXXXXX XXXXXX-XX/XX/XXXX

Waived-Unable to Resolve- - XXX XXXXXXXX XXXXXX-XX/XX/XXXX

Unable to Resolve-UW Exception for Unpermitted Living Space in subject property provided, page XXX - XXX XXXXXXXX XXXXXX-XX/XX/XXXX

Waived-Unable to Resolve-UW Exception for Unpermitted Living Space in subject property provided, page XXX - XXX XXXXXXXX XXXXXX-XX/XX/XXXX

Waived-Unable to Resolve- - XXX XXXXXXXX XXXXXX-XX/XX/XXXX

XXX Representative credit score exceeds the minimum required of XXX by XX points
$XXX,XXX.XX reserves exceed the minimum required of $XX,XXX.XX exceeds the minimum by XX.XX months over the required minimum.
XX.XX% LTV is below the maximum XX% LTV by XX.XX%.

Primary Residence

Refinance

No Cash Out - Borrower Initiated

7728111

Originator Pre-Close

Yes

XXXX

10139118

Closed

2026-03-09 07:23

2026-03-09 09:09

Waived

2 - Non-Material

Property

Property listed for sale in past 12 months

Waived-Client elects to waive with the following compensating factors - XXX XXXXXXXX XXXXXX-XX/XX/XXXX

Waived-UW Exception provided: Subject property listed within most rent X months. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX

Waived-Allowing property listed for sale in the last XX months. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX

Waived-Allowing property listed for sale in the last XX months - XXX XXXXXXXX XXXXXX-XX/XX/XXXX

XXX Representative credit score exceeds the minimum required of XXX by XX points
XX.XX% LTV is below the maximum XX% LTV by XX.XX%.

Investment

Refinance

Cash Out - Other

7994523

Originator Pre-Close

Yes

XXXX

10139119

Closed

2026-03-03 00:27

2026-03-09 08:37

Resolved

1 - Information

Compliance

Rescission:Disbursement

Federal - Right of Rescission (Loan Disbursement Violation) (TILA)

Resolved-Received PCCD. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX

Open- - XXX XXXXXXXX XXXXXX-XX/XX/XXXX

Open-The loan disbursement date (XXXX-XX-XX) is earlier than, or the same day as, the calculated "Right to Cancel Expire Date" (XXXX-XX-XX). Under Regulation Z, funds may not be disbursed to the borrower until after the expiration of the rescission period. (Reg Z, XX CFR XXXX.XX(c) and Official Staff Commentary) Provide PCCD or right to cancel expiry date should be before disbursement date - that is XX/XX/XXXX - XXX XXXXXXXX XXXXXX-XX/XX/XXXX

Open- - XXX XXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX

Resolved-Received PCCD. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX

XXXXX XXXXX XXXXXXXXXX XXXX.pdf

XXXXX XXXX.pdf

Primary Residence

Refinance

Cash Out - Other

7888760

N/A

XXXX

10139119

Closed

2026-03-02 21:42

2026-03-04 03:57

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 Gap Credit Report is Missing

Resolved-Gap Credit is Missing in file, Provide the same, changes made in system, Finding Resolved - XXX XXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-Borrower X Gap Credit Report is not missing. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX

Open-Borrower X Gap Credit Report is Missing Provide evidence of undisclosed debt monitoring document for BX. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX

XXXXX XXX.pdf

Primary Residence

Refinance

Cash Out - Other

7887103

N/A

XXXX

10139119

Closed

2026-03-02 21:42

2026-03-04 03:57

Resolved

1 - Information

Credit

Missing Doc

Borrower 2 Gap Credit Report is Missing

Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX

XXXXX XXX.pdf

Primary Residence

Refinance

Cash Out - Other

7887104

N/A

XXXX

10139121

Closed

2026-02-20 13:09

2026-02-23 14:14

Waived

2 - Non-Material

Property

Property has been listed for sale in the past 12 months

Waived-Underwriter exception on page XXX for recently listed property. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX

XX.XX% LTV is below the maximum XX% LTV by XX.XX%.
XXX Representative credit score exceeds the minimum required of XXX by XX points
($XX,XXX.XX) reserves exceed the minimum required of ($X,XXX.XX) exceeds the minimum by (X.XX) months over the required minimum.

Investment

Refinance

No Cash Out - Borrower Initiated

7728719

Originator Pre-Close

Yes

XXXX

10139123

Closed

2026-02-19 04:25

2026-03-06 07:05

Resolved

1 - Information

Credit

Title

Title Coverage is Less than Subject Lien(s) Total

Resolved-Received updated title policy. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s) - XXX XXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX

Open-Title Coverage Amount of $XXXXXX is Less than Loan Amount Provide Title policy to cover loan amount of $XXX,XXX. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX

XXXXXXXXX XXXX XXXX XXXXXXXXXX - XXXXXXXXXX XX XX_XXXXXXXX_X.pdf

Primary Residence

Refinance

Cash Out - Other

7692275

N/A

XXXX

10139123

Closed

2026-02-18 05:24

2026-02-26 16:22

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 Gap Credit Report is Missing

Resolved-Received UDM. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Borrower X Gap Credit Report is not missing. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX

Open-Borrower X Gap Credit Report is Missing Provide evidence of undisclosed debt monitoring document. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Received UDM. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Borrower X Gap Credit Report is not missing. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXXX UDN.pdf

Primary Residence

Refinance

Cash Out - Other

7673372

N/A

XXXX

10139123

Closed

2026-02-18 05:51

2026-02-20 11:10

Waived

2 - Non-Material

Credit

Eligibility

Audited LTV Exceeds Guideline LTV

Waived-Audited LTV Exceeds Guideline LTV Underwriting exception in the page #XXX. Exception received for X% LTV TO MAX OF XX%.
Borrower(s) have XX.XX months Reserves. Minimum required per guidelines is X months.
Borrower Housing History is XXXX, XX months. Housing History required per guidelines is XXXX, XX months.
- Due Diligence Vendor-XX/XX/XXXX

A--EXCEEDS MINIMUM RESERVES BY X MONTHS.
A--DEPTH OF PRIOR HOUSING HISTORY X YEARS.
A--DTI X% LOWER THAN MAXIMUM ALLOWED.
A--NO DEROGS PAST X YEARS WITH MINIMUM XX TRADES.

Primary Residence

Refinance

Cash Out - Other

7674052

Originator Pre-Close

XXXX

10139123

Closed

2026-02-18 22:22

2026-02-20 11:18

Resolved

1 - Information

Compliance

HigherPriced:APR

Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming)

Primary Residence

Refinance

Cash Out - Other

7690422

N/A

XXXX

10139124

Closed

2026-02-17 07:58

2026-02-20 03:50

Resolved

1 - Information

Credit

Income/Employment

Borrower 1 Business Bank Statements Less Than 12 Months Provided

Resolved-Requested XX/XX/XXXX statement provided for business account, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX

Open-Borrower’s business Chase account ending in #XXXX a deposit amount of $XXX,XXX.XX. The bank statement for the month ending XX/XX/XXXX is missing from the file. This statement is required for income to meet guideline requirements.” - Due Diligence Vendor-XX/XX/XXXX

Resolved-Requested XX/XX/XXXX statement provided for business account, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXXXX XXXX XX-XXXX.pdf

Primary Residence

Purchase

7652553

N/A

XXXX

10139125

Closed

2026-03-06 02:42

2026-03-11 06:58

Resolved

1 - Information

Compliance

TRID Tolerance

Fees: Limited

Resolved-Lock extended with a price adjustment, COC provided. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX

Open- - Due Diligence Vendor-XX/XX/XXXX

Open-The total amount of the XX% category fees on the last Closing Disclosure ($XXX.XX) has increased by more than XX% over the current baseline value of ($XXX.XX). The total amount of fees in the XX% category cannot exceed ($XXX.XX). The following fee(s) have either increased from their baseline disclosure or have been recently added: (Recording Fees – Mortgage/Deed of Trust). Any increase to an existing fee and/or the addition of a new fee that causes the XX% category threshold to be exceeded cannot occur unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee(s) or new fee(s). (XX CFR XXXX.XX(e)(X)(ii); XX CFR XXXX.XX(e)(X)(iv)). Required COC for fees that the total amount of the XX% category fees on the last Closing Disclosure ($XXX.XX) has increased by more than XX% over the current baseline value of ($XXX.XX). - Due Diligence Vendor-XX/XX/XXXX

Open- - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX

Resolved-Lock extended with a price adjustment, COC provided. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXX UNSIGNED RE CD (XX).pdf

Primary Residence

Refinance

No Cash Out - Borrower Initiated

7964859

N/A

XXXX

10139125

Closed

2026-03-06 02:42

2026-03-11 06:57

Resolved

1 - Information

Compliance

TRID Tolerance

Lender Credits That Cannot Decrease Test (50001262)

Resolved-Lock extended with a price adjustment, COC provided. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX

Open- - Due Diligence Vendor-XX/XX/XXXX

Open-The baseline amount of non-specific (lump sum) lender credits and specific lender credits disclosed is ($X,XXX.XX). The Last CD shows a total lender credit amount of ($X,XXX.XX). The following fees "lender credits" have decreased below their baseline amounts (General Lender Credit). Non-specific lender credits are generalized payments that do not pay for a particular fee. Specific lender credits are specific payments to pay for a specific fee. The total amount of non-specific and specific lender credits cannot decrease unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (XX CFR XXXX.XX(e)(X)(i) and comments XX(e)(X)(i)-X and -X; XX CFR XXXX.XX(f)(X)(v); XX CFR XXXX.XX(g)(X); XX CFR XXXX.XX(h)). Required COC for lender credits (specific lender credits disclosed is ($X,XXX.XX). The Last CD shows a total lender credit amount of ($X,XXX.XX). The following fees "lender credits" have decreased below their baseline amounts. - Due Diligence Vendor-XX/XX/XXXX

Open- - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX

Resolved-Lock extended with a price adjustment, COC provided. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXX UNSIGNED RE CD (XX).pdf

Primary Residence

Refinance

No Cash Out - Borrower Initiated

7964858

N/A

XXXX

10139125

Closed

2026-03-06 00:16

2026-03-11 03:20

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 Gap Credit Report is Missing

Resolved-Evidence of Undisclosed Debt Monitoring provided
- Due Diligence Vendor-XX/XX/XXXX

Resolved-Borrower X Gap Credit Report is not missing. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX

Open-Borrower X Gap Credit Report is Missing Evidence of Undisclosed Debt Monitoring Missing. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Evidence of Undisclosed Debt Monitoring provided
- Due Diligence Vendor-XX/XX/XXXX

Resolved-Borrower X Gap Credit Report is not missing. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXX UDM_UDN - XXXX-XX-XXTXXXXXX.XXX.pdf

Primary Residence

Refinance

No Cash Out - Borrower Initiated

7964067

N/A

XXXX

10139125

Closed

2026-03-06 03:05

2026-03-06 09:51

Waived

2 - Non-Material

Credit

Income/Employment

Income/Employment General

Waived-PERCENTAGE OF BUSINESS OWNED FOR P&L - Due Diligence Vendor-XX/XX/XXXX

XxXX mortgage history for XX months.
B--NO DEROGS PAST X YEARS WITH MINIMUM XX TRADES

Primary Residence

Refinance

No Cash Out - Borrower Initiated

7965077

Originator Pre-Close

Yes

XXXX

10139126

Closed

2026-02-14 22:22

2026-02-25 15:14

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 Gap Credit Report is Missing

Resolved-Evidence of Undisclosed Debt Monitoring has been provided. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Requested UDM in lieu of gap credit report provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Borrower X Gap Credit Report is not missing. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX

Open-Borrower X Gap Credit Report is Missing File is missing with evidence of Undisclosed Debt Monitoring. Please provide evidence of Undisclosed Debt Monitoring. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXX XXX.XXX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

7623851

N/A

XXXX

10139126

Closed

2026-02-14 22:22

2026-02-25 15:14

Resolved

1 - Information

Credit

Missing Doc

Borrower 2 Gap Credit Report is Missing

XXXXXXXX XXX.XXX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

7623852

N/A

XXXX

10139126

Closed

2026-02-14 23:09

2026-02-24 12:48

Resolved

1 - Information

Compliance

Rescission:Disbursement

Federal - Right of Rescission (Loan Disbursement Violation) (TILA)

Resolved-PCCD rec'd/resolved - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX

Counter-Unable to open document. Please resend. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. PCCD and LOE showing disbursement date - Buyer-XX/XX/XXXX

Open- - Due Diligence Vendor-XX/XX/XXXX

Open- - Due Diligence Vendor-XX/XX/XXXX

Open-The loan disbursement date (XXXX-XX-XX) is earlier than, or the same day as, the calculated "Right to Cancel Expire Date" (XXXX-XX-XX). Under Regulation Z, funds may not be disbursed to the borrower until after the expiration of the rescission period. (Reg Z, XX CFR XXXX.XX(c) and Official Staff Commentary) - Due Diligence Vendor-XX/XX/XXXX

Open- - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX

Resolved-PCCD rec'd/resolved - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXX XXXX.XXX

XXXXXXXX XXXX XX.XXX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

7623945

N/A

XXXX

10139127

Closed

2026-02-11 22:57

2026-02-18 03:02

Resolved

1 - Information

Credit

Missing Doc

Borrower 2 Gap Credit Report is Missing

Resolved-UDM report uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-XX/XX/XXXX

Resolved-Borrower X Gap Credit Report is not missing. Received UDM, resolved. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX

Open-Borrower X Gap Credit Report is Missing Missing UDM. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX

XX XXX XX.XXX

Primary Residence

Purchase

7575375

N/A

XXXX

10139127

Closed

2026-02-11 22:57

2026-02-18 03:02

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 Gap Credit Report is Missing

Resolved-UDM report uploaded, Verified & entered in system - Resolved
- Due Diligence Vendor-XX/XX/XXXX

Resolved-Borrower X Gap Credit Report is not missing. Received UDM, resolved. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX

Open-Borrower X Gap Credit Report is Missing Missing UDM.
- Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX

XX XXX XX.XXX

Primary Residence

Purchase

7575374

N/A

XXXX

10139127

Closed

2026-02-17 07:09

2026-02-18 02:39

Resolved

1 - Information

Credit

Title

Title Coverage is Less than Subject Lien(s) Total

Resolved-Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s) Received final title policy, resolved. - Due Diligence Vendor-XX/XX/XXXX

XX XXXXXXX XXXXX.XXX

Primary Residence

Purchase

7651282

N/A

XXXX

10139127

Closed

2026-02-17 07:03

2026-02-18 02:36

Resolved

1 - Information

Compliance

Missing Doc

The Deed of Trust is Incomplete

Resolved-The Deed of Trust is Present and Complete Received recorded purchase money deed of trust with notary page, resolved. - Due Diligence Vendor-XX/XX/XXXX

Resolved-The Deed of Trust is Present and Complete - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX

Open-The Deed of Trust is Incomplete Missing notary page. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX

XX XXXXXXXX XXX.XXX

Primary Residence

Purchase

7651151

N/A

XXXX

10139127

Closed

2026-02-11 23:26

2026-02-18 02:30

Resolved

1 - Information

Credit

Insurance

Hazard Insurance Effective Date is after the Note Date

Resolved-Hazard Insurance Effective Date of XX-XX-XXXX is after the Note Date of XX-XX-XXXX Received post consumption CD with closing date of XX/XX/XXXX and disbursement date of XX/XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX

Open-Hazard Insurance Effective Date of XX-XX-XXXX is after the Note Date of XX-XX-XXXX Hazard Insurance Effective Date of XX/XX/XXXX is after the Note Date of XX/XX/XXXX Provide Hazard Insurance Effective Date on or Before Disbursement date of Date of XX/XX/XXXX. Policy in file coverage start XX/XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX

XX XXXX.XXX

XX XXXXX XXXXXXXX XXXX.XXX

Primary Residence

Purchase

7575565

N/A

XXXX

10139129

Closed

2026-02-10 05:24

2026-02-12 04:01

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 Gap Credit Report is Missing

XXXXXXXXXX XXX.XXX

Second Home

Purchase

7532345

N/A

XXXX

10139129

Closed

2026-02-10 05:24

2026-02-12 04:01

Resolved

1 - Information

Credit

Missing Doc

Borrower 2 Gap Credit Report is Missing

XXXXXXXXXX XXX.XXX

Second Home

Purchase

7532346

N/A

XXXX

10139131

Closed

2026-02-22 00:29

2026-03-09 02:58

Resolved

1 - Information

Compliance

Rescission:Disbursement

Federal - Right of Rescission (Loan Disbursement Violation) (TILA)

Resolved-Post close CD provided, resolved. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Post close CD provided, resolved. - Due Diligence Vendor-XX/XX/XXXX

Resolved- - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX

Open- - Due Diligence Vendor-XX/XX/XXXX

Open- - Due Diligence Vendor-XX/XX/XXXX

Open- - Due Diligence Vendor-XX/XX/XXXX

Open- - Due Diligence Vendor-XX/XX/XXXX

Open- - Due Diligence Vendor-XX/XX/XXXX

Open-The loan disbursement date (XXXX-XX-XX) is earlier than, or the same day as, the calculated "Right to Cancel Expire Date" (XXXX-XX-XX). Under XXXXXXXXXX X, funds may not be disbursed to the borrower until after the expiration of the rescission period. (XXX X, XX CFR XXXX.XX(c) and Official Staff Commentary) - Due Diligence Vendor-XX/XX/XXXX

Open- - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX

Resolved-Post close CD provided, resolved. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Post close CD provided, resolved. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXX XXXXX XXXXXXXXXX XXXXXXXXX.XXX

XXXXXXX XXXX.XXX

Primary Residence

Refinance

Cash Out - Other

7740812

N/A

XXXX

10139131

Closed

2026-02-21 18:28

2026-03-02 02:43

Resolved

1 - Information

Credit

Borrower

Borrower 1 Gender Selection is Not Provided

Resolved-Gender Selection is not provided in XXXX, Provided updated XXXX, changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX

Resolved-Borrower X Gender Selection is Provided - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX

Open-Borrower X Gender Selection is Not Provided Borrower X Gender selection is not provided. Provide updated document with gender selection. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXX XXXX.XXX

Primary Residence

Refinance

Cash Out - Other

7740275

N/A

XXXX

10139133

Closed

2026-02-09 09:34

2026-02-12 07:11

Resolved

1 - Information

Credit

Eligibility

Ineligible Housing History per program guidelines

Resolved-AUS approve eligible provided for housing history.  - Due Diligence Vendor-XX/XX/XXXX

Resolved-Housing History Meets XXXXXXXXX Requirements - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded.  - Buyer-XX/XX/XXXX

Open-Housing History Does Not Meet XXXXXXXXX Requirements Provide VOR and/or XX months rent receipts for Housing history.  - Due Diligence Vendor-XX/XX/XXXX

Resolved-AUS approve eligible provided for housing history. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Housing History Meets XXXXXXXXX Requirements - Due Diligence Vendor-XX/XX/XXXX

XXXXXXX XXX XX XXXX XX XXXXXXX XXXXXXX.XXX

Primary Residence

Purchase

7517961

N/A

XXXX

10139133

Closed

2026-02-09 09:30

2026-02-12 03:19

Resolved

1 - Information

Credit

Missing Doc

Missing letter of explanation

Resolved-LOX on declining income uploaded, Verified & entered in system - Resolved
- Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX

Open-Provide letter of explanation from borrower addressing decline in income in the recent X months.
- Due Diligence Vendor-XX/XX/XXXX

Resolved-LOX on declining income uploaded, Verified & entered in system - Resolved
- Due Diligence Vendor-XX/XX/XXXX

XXXXXXX XXX.xxx

Primary Residence

Purchase

7517894

N/A

XXXX

10139133

Closed

2026-02-09 09:13

2026-02-10 11:48

Resolved

1 - Information

Compliance

HigherPriced:APR

Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming)

Primary Residence

Purchase

7516885

N/A

XXXX

10139135

Closed

2026-02-05 06:43

2026-02-20 03:27

Resolved

1 - Information

Credit

CLTV/LTV exceeds guidelines

Resolved-Received property report showing X unit being owned since XXXX. Lease agreements in file showing Xnd unit rented since XXXX to the same person, experienced investor notated, resolved. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Document Uploaded. Document Uploaded. - Buyer-XX/XX/XXXX

Counter-Provide Property profile demonstrating ownership date property was acquired, countered. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-We allow use of a multifamily unit where the borrower lives in one and rents out the other unit to count toward the investor experience. This needs to be escalated. There is nothing in our guidelines that says it’s not allowed. - Buyer-XX/XX/XXXX

Counter-A borrower who has owned X or more non owner-occupied investment properties for at least XX months (investment and commercial properties can be included) during the most recent XX-month period. The borrower's primary residence may be a multi-unit, but it is owner occupied as well and therefore, does not meet the definition of an experienced investor. LTV exceeds guidelines. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-the borrower is an experienced investor. Their primary residence is a multi-unit property. This is included on the XXXX - Buyer-XX/XX/XXXX

Open-per guidelines Novice XX%. LTV of XX% exceeds guidelines. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXX XXXXXXXXXXXXXXX - XXXX-XX-XXTXXXXXX.XXX.XXX

Investment

Purchase

7460843

N/A

XXXX

10139136

Closed

2026-02-09 06:50

2026-02-20 08:20

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 Gap Credit Report is Missing

Resolved-Borrower Undisclosed Debt Monitoring X/XX/XXXX.  - Due Diligence Vendor-XX/XX/XXXX

Resolved-Requested gap credit report provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Borrower X Gap Credit Report is not missing. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded.  - Buyer-XX/XX/XXXX

Open-Borrower X Gap Credit Report is Missing , missing Undisclosed Debt Monitoring.  - Due Diligence Vendor-XX/XX/XXXX

XXXXX XXX_XXX (XX).xxx

Primary Residence

Purchase

7513929

N/A

XXXX

10139136

Closed

2026-02-09 06:50

2026-02-20 08:19

Resolved

1 - Information

Credit

Missing Doc

Borrower 2 Gap Credit Report is Missing

Resolved-Co-Borrower Undisclosed Debt Monitoring X/XX/XXXX.  - Due Diligence Vendor-XX/XX/XXXX

Resolved-Borrower X Gap Credit Report is not missing. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded.  - Buyer-XX/XX/XXXX

Counter-Uploaded is for Borrower X. Please upload Undisclosed Debt Monitoring for Borrower X.  - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded.  - Buyer-XX/XX/XXXX

Open-Borrower X Gap Credit Report is Missing , missing Undisclosed Debt Monitoring.  - Due Diligence Vendor-XX/XX/XXXX

Resolved-Co-Borrower Undisclosed Debt Monitoring X/XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Borrower X Gap Credit Report is not missing. - Due Diligence Vendor-XX/XX/XXXX

XXXXX XXX_XXX (XX).xxx

XXXXX XXX - XXXXX.xxx

Primary Residence

Purchase

7513930

N/A

XXXX

10139137

Closed

2026-01-30 14:08

2026-03-13 11:43

Waived

2 - Non-Material

Credit

Eligibility

Loan does not conform to program guidelines

Waived-Client elects to waive with the following compensating factors: - Due Diligence Vendor-XX/XX/XXXX

Open-Borrower receiving gift funds and not meeting the minimum requirement of X% down payment requirements. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Pre Funding Exception - ASSETS: Borrower ContributionNo contribution from borrower, using all gift funds for downpayment - Due Diligence Vendor-XX/XX/XXXX

Waived-Client elects to waive with the following compensating factors: - Due Diligence Vendor-XX/XX/XXXX

Resolved-Pre Funding Exception - ASSETS: Borrower ContributionNo contribution from borrower, using all gift funds for downpayment - Due Diligence Vendor-XX/XX/XXXX

XX.XX% DTI is below the maximum XX% DTI by X.XX%.
$XXX,XXX reserves exceed the minimum required of $XX,XXX exceeds the minimum by X months over the required minimum.

Primary Residence

Purchase

7382317

Investor Post-Close

XXXX

10139137

Closed

2026-02-09 09:18

2026-02-12 03:54

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 Gap Credit Report is Missing

Resolved-Borrower X Gap Credit Report is not missing. UDM received, resolved. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Undisclosed Debt Verification (UDN) document uploaded, Verified & entered in system - Resolved
- Due Diligence Vendor-XX/XX/XXXX

Resolved-Borrower X Gap Credit Report is not missing. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX

Open-Borrower X Gap Credit Report is Missing Missing Undisclosed Debt Monitoring or Undisclosed Debt Verification. - Due Diligence Vendor-XX/XX/XXXX

XXXXXX XXX.xxx

Primary Residence

Purchase

7517080

N/A

XXXX

10139137

Closed

2026-02-09 09:18

2026-02-12 03:54

Resolved

1 - Information

Credit

Missing Doc

Borrower 2 Gap Credit Report is Missing

Resolved-Borrower X Gap Credit Report is not missing. UDM received, resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-Undisclosed Debt Verification (UDN) document uploaded, Verified & entered in system - Resolved
- XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-Borrower X Gap Credit Report is not missing. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. - XXXXX-XX/XX/XXXX

Open-Borrower X Gap Credit Report is Missing Missing Undisclosed Debt Monitoring or Undisclosed Debt Verification. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

XXXXXX XXX.XXX

Primary Residence

Purchase

7517081

N/A

XXXX

10139137

Closed

2026-02-09 10:30

2026-02-12 03:53

Resolved

1 - Information

Credit

Title

Title Coverage is Less than Subject Lien(s) Total

Resolved-Received title commitment with insured amount of $XXX,XXX.XX, resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-Title Coverage Amount of XXXXXX is equal to or greater than Total Amount of Subject Lien(s) - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. - XXXXX-XX/XX/XXXX

Open-Title Coverage Amount of $X is Less than Loan Amount Missing supplemental title showing insured amount of $XXX,XXX.XX. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

XXXXXX XXXXXX.XXX

Primary Residence

Purchase

7519256

N/A

XXXX

10139138

Closed

2026-03-03 11:44

2026-03-11 13:37

Waived

2 - Non-Material

Property

Property is listed for sale

Waived-Client elects to waive with the following compensating factors: - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Waived-Client elects to waive with the following compensating factors:
Exception page XXX.
Listed X/XX/XXXX. Currently still listed - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Open-Listed X/XX/XXXX. Currently still listed - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

XXXXXXXXX min LTV XX, Qualifying LTV XX.XX%
XXXXXXXXX min FICO XXX, Qualifying FICO XXX
XXXXXXXXX months reserves X, Qualifying months reserves X.XX
MORTGAGE PAYMENT REDUCED BY XX%

Investment

Refinance

No Cash Out - Borrower Initiated

7901644

Originator Pre-Close

Yes

XXXX

10139138

Closed

2026-02-21 21:34

2026-03-11 13:33

Acknowledged

2 - Non-Material

Credit

Spousal Consent Missing

Acknowledged-XXXXXXXX Acknowledges the EVX - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Rescinded-In AK, AZ, ID, LA, NM, TX, WA, when a personal guaranty is present, then evidence of spousal consent is also required. Spousal consent is not required as the subject property is a DSCR loan, Rescinded. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Investment

Refinance

No Cash Out - Borrower Initiated

7740508

Originator Pre-Close

XXXX

10139138

Closed

2026-02-21 22:01

2026-03-11 03:35

Resolved

1 - Information

Credit

Title

Title Coverage is Less than Subject Lien(s) Total

Resolved-Final Title Policy uploaded, Title Coverage Amount of XXXXXX is equal to or greater than Total Amount of Subject Lien(s) - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-Title Coverage Amount of XXXXXX is equal to or greater than Total Amount of Subject Lien(s) - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. - XXXXX-XX/XX/XXXX

Open-Title Coverage Amount of XXXXXX is Less than Loan Amount Provide updated Title/ Supplemental Report with Coverage amount $XXX,XXX - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

XXXXX XXXXX XXXXX XXXXXX.XXX

Investment

Refinance

No Cash Out - Borrower Initiated

7740554

N/A

XXXX

10139138

Closed

2026-02-21 22:26

2026-02-26 03:55

Resolved

1 - Information

Credit

DSCR Does Not Meet Guideline Requirement

Resolved-Variance in originator DSCR to calculated DSCR, provided Updated DSCR calculation sheet matches with calculated DSCR, Finding Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. - XXXXX-XX/XX/XXXX

Open-Originator DSCR calculation is X.XX whereas the Calculated DSCR: Lease agreement Rent of $XXXX / Total subject housing expense: $XXXX.XX [$X,XXX.XX (P&I) + $XXX.XX (Tax) + $XXX.XX (HOI)+ $X.XX(HOA)]= X.XX DSCR ratio which matches the loan approval. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-Variance in originator DSCR to calculated DSCR, provided Updated DSCR calculation sheet matches with calculated DSCR, Finding Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

XXXXX XXXX XXXX.XXX

Investment

Refinance

No Cash Out - Borrower Initiated

7740597

N/A

XXXX

10139139

Closed

2026-02-20 11:13

2026-03-12 14:16

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 Photo Identification Type Missing

Resolved-Borrower ID provided.  - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-Validation Resolved or Not Applicable - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded.  - XXXXX-XX/XX/XXXX

Counter- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. hello. it is cut off but a little at the top. otherwise acceptable. please pair it with the patriot act disclosure.  - XXXXX-XX/XX/XXXX

Open-Provide legible copy of photo ID for the borrower. The one uploaded top portion is cut off. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-Borrower ID provided. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-Validation Resolved or Not Applicable - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

XXXXX XXXXXXX XXX.XXX

XXXXXXXXXXXXXXXXXXXXXXXXXXXXXX.XXX

Investment

Purchase

7726125

N/A

XXXX

10139140

Closed

2026-02-14 12:13

2026-02-25 03:49

Resolved

1 - Information

Credit

Title

Title Coverage is Less than Subject Lien(s) Total

Resolved-Title Commitment with Title Coverage Amount of $XXX,XXX received - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX

Counter-Title Coverage Amount of $XXXXXX is Less than Loan Amount Received Title Commitment; however, the title coverage amount of $XXX,XXX is less than loan amount $XXX,XXX - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX

Open-Title Coverage Amount of $XXXXXX is Less than Loan Amount Title Coverage Amount of $XXX,XXX is Less than Loan Amount $XXX,XXX - Due Diligence Vendor-XX/XX/XXXX

Resolved-Title Commitment with Title Coverage Amount of $XXX,XXX received - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXXXXXX XXXXXXX XXXXXXXXXX.xxx

XXXXXXXXXXXX XXXXXXX XXXXXXXXXX.xxx

Investment

Refinance

Cash Out - Other

7622852

N/A

XXXX

10139149

Closed

2026-02-17 23:59

2026-02-24 17:20

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 Gap Credit Report is Missing

Resolved-Received UDM. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX

Open-Borrower 1 Gap Credit Report is Missing Provide evidence of Undisclosed Debt Monitoring. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Received UDM. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXX XXX.xxx

Primary Residence

Purchase

7671067

N/A

XXXX

10139150

Closed

2026-02-21 04:38

2026-02-26 03:58

Resolved

1 - Information

Credit

Eligibility

Business Entity Formation Doc Missing

Resolved-Certificate of Good standing missing in file, Provided the same, changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX

Resolved-Validation Resolved' - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. these documents were provided at delivery - Buyer-XX/XX/XXXX

Open-Entity Formation Doc Indicator is Missing. Provide entity formation docs, missing articles of organization, secretary of state search, operating agreement, certificate of good stand. - Due Diligence Vendor-XX/XX/XXXX

XXXXX XXXX XXXX.xxx

Investment

Purchase

7737996

N/A

XXXX

10139153

Closed

2026-03-02 21:40

2026-03-04 13:53

Resolved

1 - Information

Credit

Assets

Asset 1 Does Not Meet Guideline Requirements

Resolved-Requested EMD proof provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Asset Record 1 Meets G/L Requirements - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX

Open-Asset Record 1 Does Not Meet G/L Requirements Provide proof of the EMD clearing with supporting documentation. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX

Resolved-Requested EMD proof provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Asset Record 1 Meets G/L Requirements - Due Diligence Vendor-XX/XX/XXXX

XXXXXX XXX.xxx

Primary Residence

Purchase

7887096

N/A

XXXX

10139153

Closed

2026-03-01 21:49

2026-03-04 02:21

Resolved

1 - Information

Credit

Missing Doc

Borrower 2 Gap Credit Report is Missing

Resolved-Gap Credit is Missing in file, Provide the same, changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX

Resolved-Borrower 2 Gap Credit Report is not missing. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX

Open-Borrower 2 Gap Credit Report is Missing Provide Evidence of Undisclosed Debt Monitoring. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX

XXXXXX XXX.xxx

Primary Residence

Purchase

7864874

N/A

XXXX

10139153

Closed

2026-03-01 21:49

2026-03-04 02:21

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 Gap Credit Report is Missing

Resolved-Gap Credit is Missing in file, Provide the same, changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX

Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX

Open-Borrower 1 Gap Credit Report is Missing Provide Evidence of Undisclosed Debt Monitoring. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX

XXXXXX XXX.xxx

Primary Residence

Purchase

7864873

N/A

XXXX

10139154

Closed

2026-02-21 00:56

2026-03-06 05:35

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 Gap Credit Report is Missing

Resolved-Evidence of Undisclosed Debt Monitoring provided, resolved.   - Due Diligence Vendor-XX/XX/XXXX

Resolved-Received UDM report, resolved. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded.  - Seller-XX/XX/XXXX

Open-Borrower 1 Gap Credit Report is Missing Missing Undisclosed Debt Monitoring.  - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX

XXXXXXX XXX.xxx

Primary Residence

Refinance

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

7736793

N/A

XXXX

10139154

Closed

2026-02-21 00:56

2026-03-06 05:35

Resolved

1 - Information

Credit

Missing Doc

Borrower 2 Gap Credit Report is Missing

Resolved-Evidence of Undisclosed Debt Monitoring provided, resolved.   - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-Received UDM report, resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-Borrower X Gap Credit Report is not missing. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded.  - XXXXX-XX/XX/XXXX

Open-Borrower X Gap Credit Report is Missing Missing Undisclosed Debt Monitoring.  - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

XXXXXXX XXX.XXX

Primary Residence

Refinance

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

7736794

N/A

XXXX

10139154

Closed

2026-02-21 02:07

2026-03-06 05:35

Resolved

1 - Information

Compliance

Rescission:Disbursement

Federal - Right of Rescission (Loan Disbursement Violation) (TILA)

Resolved-PCCD provided, resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX

Open-The loan disbursement date (XXXX-XX-XX) is earlier than, or the same day as, the calculated "Right to Cancel Expire Date" (XXXX-XX-XX). Under Regulation Z, funds may not be disbursed to the borrower until after the expiration of the rescission period. (Reg Z, XX CFR XXXX.XX(c) and Official Staff Commentary) The Loan Disbursement date is on XX/XX/XXXX an Right to cancel expire date is on XX/XX/XXXX. Missing PCCD or Right to cancel expire date before disbursement date.
- XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX

Resolved-PCCD provided, resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

XXXXXXX XXXX.XXX

XXXXXXX XXX.XXX

XXXXXX XXXX XXXXXXXXXX.XXX

Primary Residence

Refinance

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

7737747

N/A

XXXX

10139154

Closed

2026-02-21 00:33

2026-02-26 04:00

Resolved

1 - Information

Credit

Missing Doc

Missing Lender Income Calculation Worksheet

Resolved-Received bank statement calculator, resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-Validation Resolved' Received bank statement calculator, resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX

Open-Bank Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. Missing lender income worksheet for both borrowers. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX

XXXXXXX XXXXXX XXXX.XXX

Primary Residence

Refinance

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

7736758

N/A

XXXX

10139156

Closed

2026-02-26 22:50

2026-03-05 00:53

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 Gap Credit Report is Missing

Resolved-Evidence of Undisclosed Debt Monitoring provided. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-Borrower X Gap Credit Report is not missing. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. - XXXXX-XX/XX/XXXX

Open-Borrower X Gap Credit Report is Missing Evidence of Undisclosed Debt Monitoring missing. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-Evidence of Undisclosed Debt Monitoring provided. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-Borrower X Gap Credit Report is not missing. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

XXXXX XXX.XXX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

7838067

N/A

XXXX

10139160

Closed

2026-03-03 22:04

2026-03-05 12:39

Resolved

1 - Information

Compliance

HigherPriced:APR

Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming)

Resolved-This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page XXX and the Final Closing disclosure on page XXX reflects escrows. Rate lock date was entered correctly – see page XXX. An interior and exterior appraisal was completed for this property – see page Findings, the appraisal disclosure was provided to the borrower(s)- see page Findings and copy of the appraisal was given to the borrower – see page X. The loan meets HPML guidelines. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page XXX and the Final Closing disclosure on page XXX reflects escrows. Rate lock date was entered correctly – see page XXX. An interior and exterior appraisal was completed for this property – see page Findings, the appraisal disclosure was provided to the borrower(s)- see page Findings and copy of the appraisal was given to the borrower – see page X. The loan meets HPML guidelines. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. - XXXXX-XX/XX/XXXX

Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Open-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(i)) Missing appraisal and right to receive appraisal disclosure. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

XXXXXX XXXXX XX XXXXXXX XXXXXXXX.XXX

XXXXXX XXXXXXXXX.XXX

Primary Residence

Refinance

Cash Out - Other

7911497

N/A

XXXX

10139160

Closed

2026-03-04 12:58

2026-03-05 12:30

Resolved

1 - Information

Property

Missing Doc

Appraisal is Missing

Resolved-Appraisal is Present or is Waived Appraisal provided, resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-Appraisal is Present or is Waived - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. - XXXXX-XX/XX/XXXX

Open-Appraisal is Missing Appraisal is missing. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-Appraisal is Present or is Waived Appraisal provided, resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-Appraisal is Present or is Waived - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

XXXXXX XXXXXXXXX.XXX

Primary Residence

Refinance

Cash Out - Other

7927727

N/A

XXXX

10139160

Closed

2026-03-03 06:18

2026-03-05 01:16

Resolved

1 - Information

Credit

Missing Doc

Borrower 2 Gap Credit Report is Missing

Resolved-Evidence of Undisclosed Debt Monitoring for BX provided
- XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-Borrower X Gap Credit Report is not missing. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. - XXXXX-XX/XX/XXXX

Open-Borrower X Gap Credit Report is Missing Evidence of Undisclosed Debt Monitoring missing. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-Evidence of Undisclosed Debt Monitoring for BX provided
- XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-Borrower X Gap Credit Report is not missing. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

XXXXXX XXX.XXX

Primary Residence

Refinance

Cash Out - Other

7893069

N/A

XXXX

10139160

Closed

2026-03-03 06:18

2026-03-05 01:15

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 Gap Credit Report is Missing

Resolved-Evidence of Undisclosed Debt Monitoring for B1 provided
- Due Diligence Vendor-XX/XX/XXXX

Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX

Open-Borrower 1 Gap Credit Report is Missing Evidence of Undisclosed Debt Monitoring missing. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Evidence of Undisclosed Debt Monitoring for B1 provided
- Due Diligence Vendor-XX/XX/XXXX

Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-XX/XX/XXXX

XXXXXX XXX.XXX

Primary Residence

Refinance

Cash Out - Other

7893068

N/A

XXXX

10139162

Closed

2026-02-09 08:58

2026-02-10 03:52

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 Gap Credit Report is Missing

Resolved-Received UDM, resolved. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX

Open-Borrower 1 Gap Credit Report is Missing Missing Undisclosed Debt Monitoring (UDM). - Due Diligence Vendor-XX/XX/XXXX

Resolved-Received UDM, resolved. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXX XXXXXX.XXX

Primary Residence

Purchase

7516570

N/A

XXXX

10139162

Closed

2026-02-09 09:50

2026-02-10 03:52

Resolved

1 - Information

Credit

Income/Employment

Income 3 Months Income Verified is Missing

Resolved-Received XXXXXX rent estimate and added an additional 2 month PITI for unleased property, resolved. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Income 3 Months Income Verified is Present Or Not Applicable - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. xxxxxx market rents attached - Buyer-XX/XX/XXXX

Open-Income 3 Months Income Verified is Missing Missing lease/rental agreement. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXX XXXXXX XXXXXX.XXX

Primary Residence

Purchase

7518312

N/A

XXXX

10139164

Closed

2026-02-10 19:40

2026-03-02 03:46

Resolved

1 - Information

Compliance

TRID Tolerance

Insufficient Change of Circumstance (50001252)

Resolved-Received COC and CD, resolved. - Due Diligence Vendor-XX/XX/XXXX

Resolved- - Due Diligence Vendor-XX/XX/XXXX

Resolved- - Due Diligence Vendor-XX/XX/XXXX

Open- - Due Diligence Vendor-XX/XX/XXXX

Open- - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX

Counter-COC is not signed and the tracking disclosure does not list COC with redisclosed CD. Provide proof COC was delivered to borrower(s), countered. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-CIC attached - Buyer-XX/XX/XXXX

Open- - Due Diligence Vendor-XX/XX/XXXX

Open- - Due Diligence Vendor-XX/XX/XXXX

Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Appraisal Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). Missing COC for Appraisal Fee Increased from Initial CD Date XX/XX/XXXX, Fee $XXX to Final CD Date XX/XX/XXXX Fee $XXX. Increased Fee $XX. - Due Diligence Vendor-XX/XX/XXXX

Open- - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX

Resolved-Received COC and CD, resolved. - Due Diligence Vendor-XX/XX/XXXX

Resolved- - Due Diligence Vendor-XX/XX/XXXX

XXXXX XXX XXXXXXXX XX XX (XX).XXX

XXXXX XXX.XXX

Primary Residence

Purchase

7550839

N/A

XXXX

10139164

Closed

2026-02-10 11:20

2026-02-19 03:30

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 Gap Credit Report is Missing

Resolved-Received UDM, resolved. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Gap credit report provided. Resolved - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX

Open-Borrower 1 Gap Credit Report is Missing Missing UDM.
- Due Diligence Vendor-XX/XX/XXXX

Resolved-Received UDM, resolved. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Gap credit report provided. Resolved - Due Diligence Vendor-XX/XX/XXXX

XXXXX XXX_XXX (XX).XXX

Primary Residence

Purchase

7542155

N/A

XXXX

10139164

Closed

2026-02-10 21:15

2026-02-19 03:30

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 Business Bank Statements Missing

Resolved-Received bank statement, resolved. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Borrower 1 Business Bank Statements Provided - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX

Open-Borrower 1 Business Bank Statements Missing Provide the Bank Statement XX/XX/XXXX, XXXXXXX XXX XXXX for employer " XXXXX XXXXXXXXXXXXX XXX ". missing from the file. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Received bank statement, resolved. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Borrower 1 Business Bank Statements Provided - Due Diligence Vendor-XX/XX/XXXX

XXXXX XXXX XXXXXXXXXX (XX).XXX

Primary Residence

Purchase

7551951

N/A

XXXX

10139164

Closed

2026-02-10 10:47

2026-02-19 03:29

Resolved

1 - Information

Credit

Missing Doc

Missing Lender Income Calculation Worksheet

Resolved-Received lender income calculator, resolved. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Validation Resolved' - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX

Open-Bank Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. Bank Statement Summary Lender Worksheet/Income Calculator is Missing XXXXXXX XXX XXXX for employer " XXXXX XXXXXXXXXXXXX XXX ". - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX

Resolved-Received lender income calculator, resolved. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Validation Resolved' - Due Diligence Vendor-XX/XX/XXXX

XXXXX XXXXX XXXXXXXXX XXXX XXXXXXXXX XXXXXXXX (XX) (X).XXX

Primary Residence

Purchase

7541304

N/A

XXXX

10139165

Closed

2026-02-05 19:08

2026-02-11 03:09

Resolved

1 - Information

Credit

Missing Doc

1008 Document is Missing

Resolved-Received XXX, resolved. - Due Diligence Vendor-XX/XX/XXXX

Resolved-The XXXX document is present in the loan file. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX

Open-The XXXX document is missing from the loan file. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Received XXX, resolved. - Due Diligence Vendor-XX/XX/XXXX

Resolved-The XXXX document is present in the loan file. - Due Diligence Vendor-XX/XX/XXXX

XXXXX XXXX.pdf

Primary Residence

Refinance

No Cash Out - Borrower Initiated

7481325

N/A

XXXX

10139167

Closed

2026-02-07 06:50

2026-02-18 07:47

Resolved

1 - Information

Credit

Assets

Large Deposit Not Verified.

Resolved-Received closing disclosure for sale of property, resolved. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. this was already sent with loan delivery - Seller-XX/XX/XXXX

Counter-Alta A settlement statement is for XXX XXXXXX XXXX XX which is the same as the subject property and shows $XXX,XXX.XX from borrower. Per final XXXX XXXXX XXXth Place was sold. and XXXXX XXXX was pending sale. Missing proof of X,XXX,XXX.XX large deposit. Provide closing disclosures for property sold, countered. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX

Counter-Double checked file CD/HUD-X/Alta not present. Cannot open the document uploaded, countered. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. proceeds attached and sent with loan file - Buyer-XX/XX/XXXX

Open-Missing proof of X,XXX,XXX.XX large deposit. Provide closing disclosures for property sold. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. this was already sent with loan delivery - Seller-XX/XX/XXXX

Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX

Resolved-Received closing disclosure for sale of property, resolved. - Due Diligence Vendor-XX/XX/XXXX

XXXXXX XX XXX XXXXXXX.pdf

XXXXXX XX XXX XXXXXXX.pdf

XXXXXX XXXXXXXXX XX_XXX XXX XXX XX XXX (X).pdf

Primary Residence

Purchase

7503196

N/A

XXXX

10139167

Closed

2026-02-07 06:27

2026-02-10 03:39

Resolved

1 - Information

Credit

Missing Doc

Title Document Missing

Resolved-Received title commitment for subject property, resolved. The title that was present in file was for-XXXXX XXXX XXXX. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Title Document is fully Present - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. please clarify which document is for the wrong address? i show a prelim was sent with delivery and it is our subject property. attached again - Buyer-XX/XX/XXXX

Open-Title Document is missing Missing title commitment. Title commitment in file is for a different address. - Due Diligence Vendor-XX/XX/XXXX

XXXXXX XXXXXX.pdf

Primary Residence

Purchase

7503171

N/A

XXXX

10139167

Closed

2026-02-06 03:54

2026-02-07 05:52

Waived

2 - Non-Material

Credit

Income/Employment

Income/Employment General

Waived-Client elects to waive with the following compensating factors:
Exception in file on page XXX for Minimum assets required for asset seasoning of assets for asset depletion, as per guidelines Asset Depletion funds must be seasoned at least X months(Asset verification requires X months account statements), while borrower have provided only X months of statements - Due Diligence Vendor-XX/XX/XXXX

XX% LTV is below the maximum XX% LTV by XX%.
$X,XXX,XXX reserves exceed the minimum required of $XX,XXX exceeds the minimum by XX months over the required minimum.
XxXX mortgage history for XX months.

Primary Residence

Purchase

7483944

Originator Pre-Close

Yes

XXXX

10139168

Closed

2026-02-09 09:07

2026-02-20 14:57

Resolved

1 - Information

Credit

Missing Doc

1008 Document is Missing

Resolved-Updated XXXX provided. - Due Diligence Vendor-XX/XX/XXXX

Resolved-The XXXX document is present in the loan file. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX

Open-The XXXX document is missing from the loan file. The P&I payment per the note is $X,XXX.XX. The P&I reflected on the XXXX in the file is $X,XXX.XX. Please provide accurate XXXX. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Updated XXXX provided. - Due Diligence Vendor-XX/XX/XXXX

Resolved-The XXXX document is present in the loan file. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXX XXXX.pdf

Primary Residence

Refinance

No Cash Out - Borrower Initiated

7516736

N/A

XXXX

10139168

Closed

2026-02-04 11:41

2026-02-18 02:50

Resolved

1 - Information

Credit

Title

Title Coverage is Less than Subject Lien(s) Total

Resolved-Alta Short Form Residential Loan policy uploaded, Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s), Verified & entered in system - Resolved
- Due Diligence Vendor-XX/XX/XXXX

Resolved-Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX

Open-Title Coverage Amount of $XXXXXX is Less than Loan Amount Title Coverage Amount of $XXX,XXX is Less than Loan Amount $XXX,XXX. Please provide title policy that reflects sufficient coverage of the loan amount of $XXX,XXX or higher. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXX XXXXX XXXXX XXXXXX_ X.pdf

Primary Residence

Refinance

No Cash Out - Borrower Initiated

7445503

N/A

XXXX

10139169

Closed

2026-02-08 02:16

2026-02-10 03:02

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 Gap Credit Report is Missing

Resolved-Received UDM, resolved. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Borrower X Gap Credit Report is not missing. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX

Open-Borrower X Gap Credit Report is Missing Missing UDM. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Received UDM, resolved. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Borrower X Gap Credit Report is not missing. - Due Diligence Vendor-XX/XX/XXXX

XXXXXX XXX.pdf

Primary Residence

Purchase

7504140

N/A

XXXX

10139170

Closed

2026-02-08 21:46

2026-02-23 11:28

Resolved

1 - Information

Credit

Title

Title Coverage is Less than Subject Lien(s) Total

Resolved-Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-XX/XX/XXXX

Resolved-Final Title Policy provided with sufficient coverage.  - Due Diligence Vendor-XX/XX/XXXX

Resolved-Title Coverage Amount of $X is Less than Loan Amount - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded.  - Buyer-XX/XX/XXXX

Counter- - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. proposed insured is XXX.XX same as L/A see attached  - Buyer-XX/XX/XXXX

Open-Title Coverage Amount of $X is Less than Loan Amount Coverage amount is not provided in the title policy Schedule A, policy amount covering the equivalent value of the loan amount is required. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXX XXXXX XXXXX.pdf

XXXXXXXXX XXXXXXXXX XXXXXXX_(XXXXXXXXXX).pdf

Second Home

Purchase

7509474

N/A

XXXX

10139171

Closed

2026-02-20 10:54

2026-02-25 20:07

Resolved

1 - Information

Credit

Missing Doc

Borrower 2 Gap Credit Report is Missing

Resolved-Received UDM. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Borrower X Gap Credit Report is not missing. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX

Open-Borrower X Gap Credit Report is Missing Provide evidence of Undisclosed Debt Monitoring. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Received UDM. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Borrower X Gap Credit Report is not missing. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXX XXX.pdf

Primary Residence

Refinance

No Cash Out - Borrower Initiated

7725727

N/A

XXXX

10139171

Closed

2026-02-20 10:54

2026-02-25 20:07

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 Gap Credit Report is Missing

Resolved-Received UDM. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Borrower X Gap Credit Report is not missing. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX

Open-Borrower X Gap Credit Report is Missing Provide evidence of Undisclosed Debt Monitoring. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Received UDM. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Borrower X Gap Credit Report is not missing. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXX XXX.pdf

Primary Residence

Refinance

No Cash Out - Borrower Initiated

7725726

N/A

XXXX

10139172

Closed

2026-02-13 02:56

2026-02-25 06:50

Resolved

1 - Information

Credit

Missing Doc

Evidence of Property Tax Missing

Resolved-UW removed Sellers Homestead Exemption for Estimated Taxes. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Evidence of Property Tax is present - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-This loan is now an investment property and the tax bill reflects the borrower has a $XX,XXX homestead exemption that shall be removed - Buyer-XX/XX/XXXX

Open-Missing Evidence of Property Tax Per IEADS, Final CD, title document and first payment later Property tax is XXX.XX per month which does not match Tax Bill provided amount of $XXXX.XX/XX=$XXX.XX on Page XXX. - Due Diligence Vendor-XX/XX/XXXX

Resolved-UW removed Sellers Homestead Exemption for Estimated Taxes. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Evidence of Property Tax is present - Due Diligence Vendor-XX/XX/XXXX

Investment

Refinance

Cash Out - Home Improvement/Reno

7601871

N/A

XXXX

10139176

Closed

2026-02-04 06:06

2026-02-27 02:51

Resolved

1 - Information

Compliance

Missing Doc

The Deed of Trust is Missing

Resolved-Received Deed of Trust, Note, and Final CD all signed on XX/XX/XXXX, resolved. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded.  - Buyer-XX/XX/XXXX

Counter-Missing all pages of the final CD with signature date of XX/XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. complete note  - Buyer-XX/XX/XXXX

Counter-Please provide the full note, only pages X of X were uploaded. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded.  - Buyer-XX/XX/XXXX

Counter-Provided deed of trust dated XX/XX/XXXX however note and final CD are date XX/XX/XXXX. Provide Note and final CD dated XX/XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX

Resolved-The Deed of Trust is Present - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. hi, we caught this and corrected it with this document.  - Buyer-XX/XX/XXXX

Open-The Deed of Trust is Missing Provided DOT and  Note Dated on XX-XX-XXXX is greater than Notary Acknowledgment Date of XX-XX-XXXX.  - Due Diligence Vendor-XX/XX/XXXX

Resolved-Received Deed of Trust, Note, and Final CD all signed on XX/XX/XXXX, resolved. - Due Diligence Vendor-XX/XX/XXXX

Resolved-The Deed of Trust is Present - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXXXX.X-XX.pdf

XXXXXXXX XX XXXXXXXXX.pdf

XXXXXXXX XX XXXXXXXXX.pdf

XXXXXXXXX XXXX XXXXXXXXX.pdf

XXXXXXXXX XXXXXXXX XXXX.pdf

XXXXXXXXX XXXXXXX XX.pdf

Investment

Refinance

Cash Out - Other

7434937

N/A

XXXX

10139177

Closed

2026-02-24 06:49

2026-02-25 02:11

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 Gap Credit Report is Missing

Resolved-Received UDM, resolved. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Borrower X Gap Credit Report is not missing. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX

Open-Borrower X Gap Credit Report is Missing Missing UDM report. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Received UDM, resolved. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Borrower X Gap Credit Report is not missing. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXX XXX.pdf

Primary Residence

Purchase

7777178

N/A

XXXX

10139178

Closed

2026-02-10 04:34

2026-02-20 14:36

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 Gap Credit Report is Missing

Resolved-Evidence of Undisclosed Debt Monitoring provided.
- Due Diligence Vendor-XX/XX/XXXX

Resolved-Gap report provided. Resolved - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded.  - Buyer-XX/XX/XXXX

Open-Borrower X Gap Credit Report is Missing File is missing with Undisclosed Debt Monitoring for both the borrowers.  - Due Diligence Vendor-XX/XX/XXXX

Resolved-Evidence of Undisclosed Debt Monitoring provided.
- Due Diligence Vendor-XX/XX/XXXX

Resolved-Gap report provided. Resolved - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXXXX XXX_XXX (XX).pdf

Primary Residence

Refinance

Cash Out - Other

7531487

N/A

XXXX

10139178

Closed

2026-02-10 04:34

2026-02-20 14:36

Resolved

1 - Information

Credit

Missing Doc

Borrower 2 Gap Credit Report is Missing

Resolved-Evidence of Undisclosed Debt Monitoring provided.
  - Due Diligence Vendor-XX/XX/XXXX

Resolved-Gap report provided. Resolved - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded.  - Buyer-XX/XX/XXXX

Open-Borrower X Gap Credit Report is Missing File is missing with Undisclosed Debt Monitoring for both the borrowers.  - Due Diligence Vendor-XX/XX/XXXX

Resolved-Evidence of Undisclosed Debt Monitoring provided.
- Due Diligence Vendor-XX/XX/XXXX

Resolved-Gap report provided. Resolved - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXXXX XXX_XXX (XX).XXX

Primary Residence

Refinance

Cash Out - Other

7531488

N/A

XXXX

10139180

Closed

2026-02-06 06:58

2026-02-12 03:23

Resolved

1 - Information

Credit

Missing Doc

Hazard Insurance Policy is Missing

Resolved-Hazard Insurance Policy uploaded, Verified & entered in system - Resolved
- Due Diligence Vendor-XX/XX/XXXX

Resolved-HOI dec page received, resolved. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX

Open-Missing Hazard Insurance Policy Property Hazard Insurance Policy missing. - Due Diligence Vendor-XX/XX/XXXX

XXXXXX XXX.XXX

Investment

Purchase

7486908

N/A

XXXX

10139180

Closed

2026-02-09 13:09

2026-02-12 02:29

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 Gap Credit Report is Missing

Resolved-Received UDM, resolved. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Borrower X Gap Credit Report is not missing. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX

Open-Borrower X Gap Credit Report is Missing Missing UDM. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Received UDM, resolved. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Borrower X Gap Credit Report is not missing. - Due Diligence Vendor-XX/XX/XXXX

XXXXXX XXX.XXX

Investment

Purchase

7523051

N/A

XXXX

10139181

Closed

2026-02-10 11:03

2026-02-13 04:42

Resolved

1 - Information

Credit

Title

Title Coverage is Less than Subject Lien(s) Total

Resolved-Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s) Received final title policy, resolved. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded.  - Buyer-XX/XX/XXXX

Counter-Missing title with coverage sufficient to cover the loan amount (XXX,XXX.XX). Title in file does not list an insured amount and supplement uploaded/provided only shows vesting, countered. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded.  - Buyer-XX/XX/XXXX

Open-Title Coverage Amount of $X is Less than Loan Amount Preliminary title commitment does not state an insured amount. No supplemental title in file. Missing insured amount of $XXX,XXX.XX. Title also does not show vesting.  - Due Diligence Vendor-XX/XX/XXXX

Resolved-Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s) Received final title policy, resolved. - Due Diligence Vendor-XX/XX/XXXX

XXXXX XXXXX XXXXXXXXXX XXXXXXX.XXX

XXXXX XXXXXX.XXX

Primary Residence

Purchase

7541748

N/A

XXXX

10139181

Closed

2026-02-09 22:27

2026-02-12 00:36

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 Gap Credit Report is Missing

Resolved-Undisclosed Debt Verification (UDN) document uploaded, Verified & entered in system - Resolved
- Due Diligence Vendor-XX/XX/XXXX

Resolved-Borrower X Gap Credit Report is not missing. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX

Open-Borrower X Gap Credit Report is Missing Missing UDM report. - Due Diligence Vendor-XX/XX/XXXX

XXXXX XXX.XXX

Primary Residence

Purchase

7529416

N/A

XXXX

10139183

Closed

2026-02-21 07:01

2026-02-25 20:01

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 Gap Credit Report is Missing

Resolved-Received UDN. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Borrower X Gap Credit Report is not missing. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX

Open-Borrower X Gap Credit Report is Missing Provide Undisclosed Debt monitoring. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Received UDN. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Borrower X Gap Credit Report is not missing. - Due Diligence Vendor-XX/XX/XXXX

XXXXXX XXX.XXX

Primary Residence

Purchase

7738241

N/A

XXXX

10139186

Closed

2026-02-23 07:32

2026-03-03 03:33

Resolved

1 - Information

Credit

Missing Doc

Borrower 3 Gap Credit Report is Missing

Resolved-Received UDM report, resolved. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Borrower X Gap Credit Report is not missing. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX

Open-Borrower X Gap Credit Report is Missing Missing UDM report. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Received UDM report, resolved. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Borrower X Gap Credit Report is not missing. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXX XXXX.XXX

Primary Residence

Purchase

7753289

N/A

XXXX

10139186

Closed

2026-02-23 07:32

2026-03-03 03:33

Resolved

1 - Information

Credit

Missing Doc

Borrower 2 Gap Credit Report is Missing

Resolved-Received UDM report, resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-Borrower X Gap Credit Report is not missing. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX

Open-Borrower X Gap Credit Report is Missing Missing UDM report. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX

Resolved-Received UDM report, resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-Borrower X Gap Credit Report is not missing. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

XXXXXXX XXXX.pdf

Primary Residence

Purchase

7753288

N/A

XXXX

10139186

Closed

2026-02-23 07:32

2026-03-03 03:33

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 Gap Credit Report is Missing

Resolved-Received UDM report, resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-Borrower X Gap Credit Report is not missing. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. - XXXXX-XX/XX/XXXX

Open-Borrower X Gap Credit Report is Missing Missing UDM report. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-Received UDM report, resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-Borrower X Gap Credit Report is not missing. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

XXXXXXX XXXX.pdf

Primary Residence

Purchase

7753287

N/A

XXXX

10139188

Closed

2026-02-21 05:21

2026-02-26 04:23

Resolved

1 - Information

Credit

Missing Doc

Borrower 2 Executed 4506-T Missing

Resolved-Received executed XXXX, resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-Borrower X Executed XXXX-T Provided or Not Applicable (Number of Borrowers equals X) Received executed XXXX, resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX

Open-Borrower X Executed XXXX-T Missing Borrower X Executed XXXX is missing in the file. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX

XXXXXX XXXXT.pdf

Primary Residence

Refinance

No Cash Out - Borrower Initiated

7738067

N/A

XXXX

10139188

Closed

2026-02-21 05:39

2026-02-26 04:23

Resolved

1 - Information

Credit

Missing Doc

Borrower 2 Gap Credit Report is Missing

Resolved-Received Undisclosed Debt Monitoring, resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-Borrower X Gap Credit Report is not missing. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. - XXXXX-XX/XX/XXXX

Open-Borrower X Gap Credit Report is Missing Missing Undisclosed Debt Monitoring. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-Received Undisclosed Debt Monitoring, resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-Borrower X Gap Credit Report is not missing. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

XXXXXX XXX.pdf

Primary Residence

Refinance

No Cash Out - Borrower Initiated

7738111

N/A

XXXX

10139188

Closed

2026-02-21 05:39

2026-02-26 04:23

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 Gap Credit Report is Missing

Resolved-Received Undisclosed Debt Monitoring, resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-Borrower X Gap Credit Report is not missing. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

XXXXXX XXX.pdf

Primary Residence

Refinance

No Cash Out - Borrower Initiated

7738110

N/A

XXXX

10139188

Closed

2026-02-21 20:23

2026-02-26 04:22

Resolved

1 - Information

Compliance

Rescission:Disbursement

Federal - Right of Rescission (Loan Disbursement Violation) (TILA)

Resolved-Received PCCD, resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX

Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Open-The loan disbursement date (XXXX-XX-XX) is earlier than, or the same day as, the calculated "Right to Cancel Expire Date" (XXXX-XX-XX). Under XXXXXXXXXX X, funds may not be disbursed to the borrower until after the expiration of the rescission period. (XXX X, XX XXX XXXX.XX(c) and Official Staff Commentary) The Loan Disbursement date is on XX/XX/XXXX an Right to cancel expire date is on XX/XX/XXXX. Provide PCCD or Right to cancel expire date before disbursement date.
- XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX

Resolved-Received PCCD, resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

XXXXXX PCCD.pdf

Primary Residence

Refinance

No Cash Out - Borrower Initiated

7740406

N/A

XXXX

10139190

Closed

2026-02-14 05:31

2026-02-23 14:28

Resolved

1 - Information

Credit

Insurance

Other Property Insurance Policy Effective Date is after the Note Date

Resolved-PCCD reflects disbursement date X/XX/XX. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-PCCD provided with disbursement date of XX/XX/XXXX which is after the HOI effective date XX/XX/XXXX hence condition resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX

Open-Other Property Insurance Policy Effective Date of XX-XX-XXXX is after the Note Date of XX-XX-XXXX Additional Insured Hazard available in the page XXX Insurance Effective Date is on XX/XX/XXXX post the closing/disbursement date. Please Provide Hazard Insurance Effective Date on or prior to closing/disbursement date. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX

XXXXXX XXXX XXXXXXXXXX XXXXX - XXXXXXXXX.pdf

XXXXXX PCCD.pdf

Primary Residence

Purchase

7622085

N/A

XXXX

10139190

Closed

2026-02-14 05:00

2026-02-23 14:27

Resolved

1 - Information

Credit

Insurance

Hazard Insurance Effective Date is after the Note Date

Resolved-PCCD reflects disbursement date X/XX/XX. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-PCCD provided with disbursement date of XX/XX/XXXX which is after the HOI effective date XX/XX/XXXX hence condition resolved.
]\\ - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. - XXXXX-XX/XX/XXXX

Open-Hazard Insurance Effective Date of XX-XX-XXXX is after the Note Date of XX-XX-XXXX Hazard Insurance available in the page XXX Effective Date is on XX/XX/XXXX post the closing/disbursement date. Please Provide Hazard Insurance Effective Date on or prior to closing/disbursement date. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

XXXXXX XXXX XXXXXXXXXX XXXXX - XXXXXXXXX.pdf

XXXXXX XXXX.pdf

Primary Residence

Purchase

7622051

N/A

XXXX

10139190

Closed

2026-02-14 04:49

2026-02-23 14:26

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 Gap Credit Report is Missing

Resolved-Evidence of Undisclosed Debt Monitoring provided. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-Requested gap credit report provided, updated & condition resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-Borrower X Gap Credit Report is not missing. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX

Open-Borrower X Gap Credit Report is Missing File is missing with evidence of Undisclosed Debt Monitoring. Please provide evidence of Undisclosed Debt Monitoring. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX

XXXXXX XXX.pdf

Primary Residence

Purchase

7622032

N/A

XXXX

10139192

Closed

2026-02-14 02:20

2026-02-23 04:19

Resolved

1 - Information

Credit

Missing Doc

Missing HOA Fee Statement

Resolved-Requested Latest HOA Fee Assessment provided REO property, updated & condition resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. - XXXXX-XX/XX/XXXX

Open-Latest HOA Fee Assessment not provided required for PITIA calculation Missing HOA fee statement for the investment property XXXX XXX XXXXX XXXX X XXXX XXXX. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-Requested Latest HOA Fee Assessment provided REO property, updated & condition resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

XXXXXX XXX XXXX.pdf

Primary Residence

Refinance

Cash Out - Other

7621794

N/A

XXXX

10139192

Closed

2026-02-14 01:13

2026-02-23 04:15

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 Gap Credit Report is Missing

Resolved-Requested UDM in lieu of gap credit report provided, updated & condition resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-Borrower X Gap Credit Report is not missing. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. - XXXXX-XX/XX/XXXX

Open-Borrower X Gap Credit Report is Missing File is missing with evidence of Undisclosed Debt Monitoring for borrower. Please provide evidence of Undisclosed Debt Monitoring. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

XXXXXX XXX.pdf

Primary Residence

Refinance

Cash Out - Other

7621674

N/A

XXXX

10139193

Closed

2026-02-22 08:14

2026-03-03 15:08

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 Gap Credit Report is Missing

Resolved-Requested UDM in lieu of gap credit report provided, updated & condition resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-Borrower X Gap Credit Report is not missing. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. - XXXXX-XX/XX/XXXX

Open-Borrower X Gap Credit Report is Missing UDM report is missing from file. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

XXXXXXX XXX.pdf

Primary Residence

Purchase

7741574

N/A

XXXX

10139196

Closed

2026-03-02 15:20

2026-03-09 07:13

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 Gap Credit Report is Missing

Resolved-Received UDN. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. - XXXXX-XX/XX/XXXX

Open-Borrower X Gap Credit Report is Missing Provide Evidence of Undisclosed Debt monitoring. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-Received UDN. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

XXXXXXX XXX.pdf

Primary Residence

Purchase

7881698

N/A

XXXX

10139197

Closed

2026-02-04 22:27

2026-02-20 03:56

Resolved

1 - Information

Credit

Title

Title Coverage is Less than Subject Lien(s) Total

Resolved-Requested updated supplemental title document with updated coverage that covers loan amount provided, updated & condition resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s) - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. - XXXXX-XX/XX/XXXX

Open-Title Coverage Amount of $XXXXXX is Less than Loan Amount Title coverage amount $XXX,XXX is lower than the Loan amount $XXX,XXX. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

XXXXXXXXXX XXXXXXXXXXXX XXXXXX.pdf

Second Home

Refinance

No Cash Out - Borrower Initiated

7454050

N/A

XXXX

10139200

Closed

2026-02-05 08:23

2026-02-11 02:45

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 Gap Credit Report is Missing

Resolved-Borrower X Gap Credit Report is not missing. Received UDM, resolved. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. - XXXXX-XX/XX/XXXX

Open-Borrower X Gap Credit Report is Missing Borrower X Gap Credit Report/ UDM Missing from file. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-Borrower X Gap Credit Report is not missing. Received UDM, resolved. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX

XXXXXXXX UDN.pdf

Primary Residence

Refinance

Cash Out - Other

7464580

N/A

XXXX

10139200

Closed

2026-02-05 08:23

2026-02-11 02:45

Resolved

1 - Information

Credit

Missing Doc

Borrower 2 Gap Credit Report is Missing

Resolved-Borrower X Gap Credit Report is not missing. Received UDM, resolved. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX

XXXXXXXX UDN.pdf

Primary Residence

Refinance

Cash Out - Other

7464581

N/A

XXXX

10139201

Closed

2026-02-20 15:54

2026-02-20 15:57

Waived

2 - Non-Material

Credit

Eligibility

Borrower owns more financed properties than allowed per guidelines

Waived-UW exception page XXX for number of properties owned (X) exceeding maximum allowed per guidelines of X - XXX XXXXXXXX XXXXXX-XX/XX/XXXX

Open-UW exception page XXX for number of properties owned (X) exceeding maximum allowed per guidelines of X. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX

Waived-UW exception page XXX for number of properties owned (X) exceeding maximum allowed per guidelines of X - XXX XXXXXXXX XXXXXX-XX/XX/XXXX

XXX Representative credit score exceeds the minimum required of XXX by XX points
XX.XX% DTI is below the maximum XX% DTI by XX.XX%.
$XXX,XXX reserves exceed the minimum required of $X,XXX exceeds the minimum by X.XX months over the required minimum.

Investment

Purchase

7731910

Originator Pre-Close

Yes

XXXX

10139202

Closed

2026-02-09 04:45

2026-02-10 07:16

Resolved

1 - Information

Credit

DSCR unknown

Resolved-The documentation received was sufficient to resolve the finding. DSCR calculation - XXX XXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX

Open-True data lists X.XX however audited DSCR is X.XXX. (X,XXX/$X,XXX.XX=X.XXX). Provide DSCR calculation. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX

Documentation Uploaded - XX/XX/XXXX

Resolved-The documentation received was sufficient to resolve the finding. DSCR calculation - XXX XXXXXXXX XXXXXX-XX/XX/XXXX

CCXXXXXXXXXX-X .png

Investment

Refinance

Cash Out - Other

7511520

N/A

XXXX

10139204

Closed

2026-02-21 10:27

2026-03-04 00:57

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 Gap Credit Report is Missing

Resolved-UDN Report uploaded, Verified & entered in system - Resolved
- XXX XXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-Borrower X Gap Credit Report is not missing. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. - XXXXX-XX/XX/XXXX

Open-Borrower X Gap Credit Report is Missing Please provide the UDM Report. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-UDN Report uploaded, Verified & entered in system - Resolved
- XXX XXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-Borrower X Gap Credit Report is not missing. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX

XXXX UDM_UDN - XXXX-XX-XXTXXXXXX.XXX.pdf

Primary Residence

Purchase

7738824

N/A

XXXX

10139205

Closed

2026-02-11 11:37

2026-03-03 10:25

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 Gap Credit Report is Missing

Resolved-Borrower X Gap Credit Report is not missing. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-Undisclosed Debt Monitoring X/XX/XXXX - XXX XXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. - XXXXX-XX/XX/XXXX

Open-Borrower X Gap Credit Report is Missing XXXXXXXXXX Page XX missing Undisclosed Debt Monitoring. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-Borrower X Gap Credit Report is not missing. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-Undisclosed Debt Monitoring X/XX/XXXX - XXX XXXXXXXX XXXXXX-XX/XX/XXXX

XXXXXXXX UDN.pdf

Investment

Refinance

No Cash Out - Borrower Initiated

7564567

N/A

XXXX

10139205

Closed

2026-02-11 10:54

2026-02-18 10:17

Resolved

1 - Information

Compliance

Closing

Loan Originator NMLS Status is Unknown

Resolved-Loan Originator NMLS Status is Active. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. LO and NMLS match Note. Please advise - XXXXX-XX/XX/XXXX

Open-Loan Originator NMLS Status is Unknown Loan Originator NMLS XXXXXX XXXXXXXXXXX XXXXXXX XXXXXXXX for XXXXXXXX XXXXXXXX XXXXXX. Not seeing also known as for Lender to verify Active License. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-Loan Originator NMLS Status is Active. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX

XXXXXXXX NMLS Search.pdf

Investment

Refinance

No Cash Out - Borrower Initiated

7563441

N/A

XXXX

10139205

Closed

2026-02-09 04:36

2026-02-18 03:16

Resolved

1 - Information

Credit

Missing Doc

Flood Insurance Policy Missing

Resolved-Flood Insurance Policy uploaded, Verified & entered in system - Resolved
- Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX

Open-Missing Flood Insurance Policy. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Flood Insurance Policy uploaded, Verified & entered in system - Resolved
- Due Diligence Vendor-XX/XX/XXXX

XXXXXXX XXXXX XXXXXX.XXX

Investment

Refinance

No Cash Out - Borrower Initiated

7511424

N/A

XXXX

10139208

Closed

2026-02-16 22:57

2026-02-27 12:24

Resolved

1 - Information

Compliance

HigherPriced:APR

Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming)

Resolved-Loan meets HPML guidelines and is a HPML Compliant Loan. - Due Diligence Vendor-XX/XX/XXXX

Resolved-This loan failed the higher-priced mortgage loan test. ( XX CFR § XXXX.XX(a)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg #XXX and the Final Closing disclosure on Pg #XXX-XXX reflects escrows. Rate lock date was entered correctly – see Pg #XXX An interior and exterior appraisal was completed for this property – see Pg #XX-XX, the appraisal disclosure was provided to the borrower(s)- see Pg #XX,XXX and copy of the appraisal was given to the borrower – see Pg #XX,XXX for the copy of the disclosure. The loan meets HPML guidelines. - Due Diligence Vendor-XX/XX/XXXX

Open- - Due Diligence Vendor-XX/XX/XXXX

Open-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)) Missing right to receive appraisal disclosure. - Due Diligence Vendor-XX/XX/XXXX

Open- - Due Diligence Vendor-XX/XX/XXXX

Open- - Due Diligence Vendor-XX/XX/XXXX

Open- - Due Diligence Vendor-XX/XX/XXXX

Primary Residence

Refinance

Cash Out - Other

7644830

N/A

XXXX

10139208

Closed

2026-02-16 22:05

2026-02-25 03:06

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 Credit Report is Missing

Resolved-Received credit report, resolved. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Borrower X Credit Report is not missing. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX

Open-Borrower X Credit Report is Missing. Credit Report Missing in the file. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Received credit report, resolved. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Borrower X Credit Report is not missing. - Due Diligence Vendor-XX/XX/XXXX

XXXXX XXX.XXX

Primary Residence

Refinance

Cash Out - Other

7644596

N/A

XXXX

10139208

Closed

2026-02-16 22:05

2026-02-25 03:06

Resolved

1 - Information

Credit

Eligibility

Ineligible Housing History per program guidelines

Resolved-Received credit report, resolved. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX

Open-Housing History Does Not Meet Guideline Requirements Missing credit report. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX

Resolved-Received credit report, resolved. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-XX/XX/XXXX

XXXXX XXXXXX XXXXXX.XXX

Primary Residence

Refinance

Cash Out - Other

7644594

N/A

XXXX

10139212

Closed

2026-02-11 06:34

2026-02-17 06:13

Resolved

1 - Information

Credit

Missing Doc

Missing Gap Credit Report

Resolved-Gap Credit Report is Provided or Not Applicable - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX

Open-Missing Gap Credit Report Although the guidelines do not require a gap report, the file must include evidence of undisclosed debt monitoring. This documentation could not be located in the file. Please provide the undisclosed debt monitoring report. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Gap Credit Report is Provided or Not Applicable - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXX XXX_XXX (XX).XXX

Primary Residence

Purchase

7556515

N/A

XXXX

10139213

Closed

2026-02-17 21:49

2026-02-25 04:21

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 Gap Credit Report is Missing

Resolved-Gap credit Report  is missing in file, provided the same, changes made in system, Finding Resolved
- Due Diligence Vendor-XX/XX/XXXX

Resolved-Borrower X Gap Credit Report is not missing. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded.  - Buyer-XX/XX/XXXX

Open-Borrower X Gap Credit Report is Missing Undisclosed debt Monitoring missing in the file   - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXXX XXX.XXX

Primary Residence

Purchase

7670152

N/A

XXXX

10139213

Closed

2026-02-17 23:14

2026-02-25 04:20

Resolved

1 - Information

Credit

Missing Doc

Missing Business Narrative

Resolved-Business Narrative  is missing in file, provided the same, changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded.  - Buyer-XX/XX/XXXX

Open-Business Narrative Missing in the file  - Due Diligence Vendor-XX/XX/XXXX

Resolved-Business Narrative is missing in file, provided the same, changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXXX XXXXXXXX XXXXXXXX.XXX

Primary Residence

Purchase

7670775

N/A

XXXX

10139213

Closed

2026-02-18 02:36

2026-02-25 04:19

Resolved

1 - Information

Credit

Missing Doc

Hazard Insurance Policy is Partial

Resolved-Dwelling amount does not cover loan amount, provided RCE, changes made in system, Finding Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-Hazard Insurance Policy is fully present - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX

Open-Hazard Insurance Policy Partially Provided Dwelling coverage amount is less than loan amount - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

XXXXXXXXX XXX.XXX

Primary Residence

Purchase

7671812

N/A

XXXX

10139220

Closed

2026-02-09 06:11

2026-02-19 06:50

Acknowledged

2 - Non-Material

Credit

Spousal Consent Missing

Acknowledged-Lender acknowledges the condition as immaterial. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Counter-This is an EV2 condition, you may acknowledge the finding as an EV2 or provide a spousal consent form to clear. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-A spousal consent is only required for homestead/primary properties. This loan is an investment and a spousal consent is not required. - Buyer-XX/XX/XXXX

Counter-New Mexico is a Community Property State and this is a valid finding since the Guarantor is married. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX

Open-In AK, AZ, ID, LA, NM, TX, WA, when a personal guaranty is present, then evidence of spousal consent is also required. Spousal Consent is Not required - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Yes – we can acknowledge this as an EV2 and move forward. - XX/XX/XXXX

Acknowledged-Lender acknowledges the condition as immaterial. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

XXXXXXX XXXXXXXXXXX.XXX

Investment

Refinance

Cash Out - Other

7513052

Originator Post-Close

XXXX

10139220

Closed

2026-02-10 08:13

2026-02-12 15:13

Resolved

1 - Information

Credit

Missing Doc

Guaranty Agreement Doc Locator is Missing or Partial

Resolved-Guaranty agreement received. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX

Open-Guaranty Agreement Doc is Missing or Partial Guaranty Agreement is not executed. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-Guaranty agreement received. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

XXXXXXX XXXXXXXX.XXX

Investment

Refinance

Cash Out - Other

7535985

N/A

XXXX

10139223

Closed

2026-02-22 02:45

2026-03-11 12:59

Resolved

1 - Information

Credit

Missing Doc

Missing Lender Income Calculation Worksheet

Resolved-Income Worksheet Missing in file, Provided the same, changes made in system, Finding Resolved
- XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-Validation Resolved' - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX

Open-Bank Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. Lender income calculation worksheet is missing - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

XXXXXXX XXXXXXXXX.XXX

Primary Residence

Refinance

Cash Out - Other

7740986

N/A

XXXX

10139223

Closed

2026-02-24 13:55

2026-03-10 15:56

Resolved

1 - Information

Credit

Title

Satisfactory Chain of Title not Provided

Resolved-Business Entity documentation provided.  - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded.  - Buyer-XX/XX/XXXX

Open-Unsatisfactory Chain of Title provided Preliminary Title reflects vesting in the name of XXXX, XXX.  Loan transaction is a Cash out refinance.  Documentation of ownership of XXXX, XXX missing.  - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-Business Entity documentation provided. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

XXXXXXX XXXX XXX.XXX

Primary Residence

Refinance

Cash Out - Other

7785805

N/A

XXXX

10139223

Closed

2026-02-24 13:57

2026-03-02 06:47

Resolved

1 - Information

Credit

Title

Property Title Issue

Resolved-QCD provided.  - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded.  - Seller-XX/XX/XXXX

Open-Property Title Issue Quit Claim Deed transferring property into Borrower/Trust missing from file.   - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX

Resolved-QCD provided. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

XXXXXXX XXXX.XXX

Primary Residence

Refinance

Cash Out - Other

7785952

N/A

XXXX

10139223

Closed

2026-02-22 02:54

2026-03-02 06:35

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 Gap Credit Report is Missing

Resolved-Evidence of Undisclosed Debt Monitoring provided.  - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-Gap Credit report Missing in file, Provided the same, changes made in system, Finding Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-Borrower 1 Gap Credit Report is not missing. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded.  - Seller-XX/XX/XXXX

Open-Borrower 1 Gap Credit Report is Missing Evidence of undisclosed Debt Monitoring is missing.  - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX

XXXXXXX XXX.XXX

Primary Residence

Refinance

Cash Out - Other

7741003

N/A

XXXX

10139223

Closed

2026-02-22 03:02

2026-03-02 06:31

Resolved

1 - Information

Credit

Missing Doc

Hazard Insurance Policy is Missing

Resolved-Policy provided.  - Due Diligence Vendor-XX/XX/XXXX

Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Missing Hazard Insurance Policy - Due Diligence Vendor-XX/XX/XXXX

Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded.  - Seller-XX/XX/XXXX

Open-Missing Hazard Insurance Policy Hazard Insurance Documentation is missing  - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX

Resolved-Policy provided. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-XX/XX/XXXX

Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-XX/XX/XXXX

XXXXXXX XXX.XXX

Primary Residence

Refinance

Cash Out - Other

7741025

N/A

XXXX

10139223

Closed

2026-03-02 02:51

2026-03-02 06:30

Resolved

1 - Information

Credit

Insurance

Hazard Insurance Coverage Amount is less than Required Coverage Amount

Resolved-Coverage amount > RCE - Due Diligence Vendor-XX/XX/XXXX

Resolved-Hazard Insurance Coverage Amount of $XXXXXXX is equal to or greater than Required Coverage Amount of $XXXXXX or Guaranteed Replacement Coverage is present (Guaranteed Replacement Coverage indicator is 'No') - Due Diligence Vendor-XX/XX/XXXX

Resolved-Hazard Insurance Coverage Amount of $ is equal to or greater than Required Coverage Amount of $ or Guaranteed Replacement Coverage is present (Guaranteed Replacement Coverage indicator is 'No') - Due Diligence Vendor-XX/XX/XXXX

Open-Hazard Insurance Coverage Amount of $XXXXXXX is less than Required Coverage Amount of $XXXXXXX and Guaranteed Replacement Coverage indicator is 'No' - Due Diligence Vendor-XX/XX/XXXX

Primary Residence

Refinance

Cash Out - Other

7866176

N/A

XXXX

10139224

Closed

2026-02-10 00:28

2026-02-20 04:33

Resolved

1 - Information

Credit

Missing Doc

Borrower 2 Executed 4506-T Missing

Resolved-Received 4506 executed, resolved. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Borrower 2 Executed 4506-T Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX

Counter-Missing 4506 for borrower two (2) wage earner. Received copies of UDM uploaded, countered - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX

Open-Borrower 2 Executed 4506-T Missing Borrower 2 Executed 4506-C Missing in the file. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXXXX XXX_XXX (60).XXX

XXXXXXXXXX XXX XXXXXXX.XXX

XXXXXXXXXX 4506-XXXXX - XXXXXX.XXX

Investment

Purchase

7529994

N/A

XXXX

10139224

Closed

2026-02-10 01:02

2026-02-12 02:34

Resolved

1 - Information

Credit

Missing Doc

Borrower 2 Gap Credit Report is Missing

Resolved-Undisclosed Debt Verification (UDN) document uploaded, Verified & entered in system - Resolved
- Due Diligence Vendor-XX/XX/XXXX

Resolved-Borrower 2 Gap Credit Report is not missing. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX

Open-Borrower 2 Gap Credit Report is Missing File is missing with Undisclosed Debt Monitoring for both the borrower. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX

XXXXXXXXXX XXX_XXX (60).XXX

Investment

Purchase

7530157

N/A

XXXX

10139224

Closed

2026-02-10 01:02

2026-02-12 02:34

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 Gap Credit Report is Missing

Resolved-Undisclosed Debt Verification (UDN) document uploaded, Verified & entered in system - Resolved
- Due Diligence Vendor-XX/XX/XXXX

Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX

Open-Borrower 1 Gap Credit Report is Missing File is missing with Undisclosed Debt Monitoring for both the borrower. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXXXX XXX_XXX (60).XXX

XXXXXXXXXX XXX XXXXXXX.XXX

Investment

Purchase

7530156

N/A

XXXX

10139230

Closed

2026-02-08 21:19

2026-02-20 11:14

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 Gap Credit Report is Missing

Resolved-Undisclosed Debt Monitoring provided.  - Due Diligence Vendor-XX/XX/XXXX

Resolved-Requested gap credit report provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded.  - Buyer-XX/XX/XXXX

Open-Borrower 1 Gap Credit Report is Missing , missing Undisclosed Debt Monitoring Report.  - Due Diligence Vendor-XX/XX/XXXX

XX XXX_XXX (65).XXX

Primary Residence

Refinance

Cash Out - Other

7509380

N/A

XXXX

10139231

Closed

2026-02-06 08:25

2026-02-12 01:07

Resolved

1 - Information

Credit

Title

Title Coverage is Less than Subject Lien(s) Total

Resolved-Updated Title Commitment uploaded, Title Coverage Amount of $XXXXXXX is equal to or greater than Total Amount of Subject Lien(s), Verified & entered in system - Resolved
- Due Diligence Vendor-XX/XX/XXXX

Resolved-Title Coverage Amount of $XXXXXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX

Open-Title Coverage Amount of $XXXXXXX is Less than Loan Amount Provide Title policy sufficient to cover the Loan Amount $X,XXX,XXX. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXX XXXX.XXX

Primary Residence

Purchase

7488798

N/A

XXXX

10139233

Closed

2026-02-27 04:24

2026-03-05 13:34

Resolved

1 - Information

Compliance

Missing Doc

The Deed of Trust is Incomplete

Resolved-Document clears the finding. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX

Open-The Deed of Trust is Incomplete XXXXXX XXXX is a Notary, signed in DOT as a additional vested individual. Provide Updated DOT. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Document clears the finding. - Due Diligence Vendor-XX/XX/XXXX

XXXX XXX.XXX

Primary Residence

Purchase

7840502

N/A

XXXX

10139233

Closed

2026-02-26 22:12

2026-03-04 00:53

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 Gap Credit Report is Missing

Resolved-UDN Report uploaded, Verified & entered in system - Resolved
- Due Diligence Vendor-XX/XX/XXXX

Resolved-Borrower X Gap Credit Report is not missing. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX

Open-Borrower X Gap Credit Report is Missing Evidence of Undisclosed Debt Monitoring missing. - Due Diligence Vendor-XX/XX/XXXX

Resolved-UDN Report uploaded, Verified & entered in system - Resolved
- Due Diligence Vendor-XX/XX/XXXX

Resolved-Borrower X Gap Credit Report is not missing. - Due Diligence Vendor-XX/XX/XXXX

XXXX XXX.XXX

Primary Residence

Purchase

7837846

N/A

XXXX

10139236

Closed

2026-02-09 01:02

2026-02-12 00:48

Resolved

1 - Information

Credit

Missing Doc

Borrower 2 Gap Credit Report is Missing

XXXX XXX.XXX

Primary Residence

Purchase

7510268

N/A

XXXX

10139236

Closed

2026-02-09 01:02

2026-02-12 00:48

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 Gap Credit Report is Missing

Resolved-Undisclosed Debt Verification (UDN) document uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-XX/XX/XXXX

Resolved-Borrower X Gap Credit Report is not missing. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX

Open-Borrower X Gap Credit Report is Missing UDM not started. - Due Diligence Vendor-XX/XX/XXXX

XXXX XXX.XXX

Primary Residence

Purchase

7510267

N/A

XXXX

10139239

Closed

2026-02-20 13:43

2026-02-20 13:52

Waived

2 - Non-Material

Credit

Income/Employment

Income and Employment Do Not Meet Guidelines

Waived-UW Exception for using recently increased Base wage instead of XX month average provided on page XXX - Due Diligence Vendor-XX/XX/XXXX

Waived-UW Exception for using recently increased Base wage instead of XX month average provided on page XXX - Due Diligence Vendor-XX/XX/XXXX

Open-Income and Employment Do Not Meet Guidelines - Due Diligence Vendor-XX/XX/XXXX

XX.XX% DTI is below the maximum XX% DTI by XX.XX%.
XXX Representative credit score exceeds the minimum required of XXX by XX points

Primary Residence

Refinance

Cash Out - Other

7729355

Originator Pre-Close

Yes

XXXX

10139239

Closed

2026-02-10 20:19

2026-02-18 10:29

Resolved

1 - Information

Compliance

Predatory:LateFees

Federal - Maximum Late Fee (01/14)

Resolved-Updated invalid entry, finding cleared. - Due Diligence Vendor-XX/XX/XXXX

Resolved- - Due Diligence Vendor-XX/XX/XXXX

Open- - Due Diligence Vendor-XX/XX/XXXX

Open- - Due Diligence Vendor-XX/XX/XXXX

Open- - Due Diligence Vendor-XX/XX/XXXX

Open- - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-This is not a High Cost loan. Please advise. - Seller-XX/XX/XXXX

Open- - Due Diligence Vendor-XX/XX/XXXX

Open-You submitted a late fee amount of ($XXX.XX) and a (X.X%) Late Fee Percent. In connection with a Federal High-Cost Mortgage any late payment charge must be specifically permitted by the terms of the loan contract or open-end credit agreement and may not exceed X% of the amount of the payment past due. No such charge may be imposed more than once for a single late payment. (XX CFR XXXX.XX(a)(X)(i)) You submitted a late fee amount of ($XXX.XX) and a (X.X%) Late Fee Percent. In connection with a Federal High-Cost Mortgage any late payment charge must be specifically permitted by the terms of the loan contract or open-end credit agreement and may not exceed X% of the amount of the payment past due. No such charge may be imposed more than once for a single late payment. (XX CFR XXXX.XX(a)(X)(i)) - Due Diligence Vendor-XX/XX/XXXX

Open- - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-This is not a High Cost loan. Please advise. - Seller-XX/XX/XXXX

Resolved-Updated invalid entry, finding cleared. - Due Diligence Vendor-XX/XX/XXXX

Primary Residence

Refinance

Cash Out - Other

7551572

N/A

XXXX

10139239

Closed

2026-02-10 20:19

2026-02-18 10:29

Resolved

1 - Information

Compliance

Predatory:Restrictions

Federal - Section 32 Disclosure Required (High Cost)

Resolved-Updated invalid entry, finding cleared. - Due Diligence Vendor-XX/XX/XXXX

Resolved- - Due Diligence Vendor-XX/XX/XXXX

Open- - Due Diligence Vendor-XX/XX/XXXX

Open- - Due Diligence Vendor-XX/XX/XXXX

Open- - Due Diligence Vendor-XX/XX/XXXX

Open- - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-This is not a High Cost loan. Please advise. - Seller-XX/XX/XXXX

Open- - Due Diligence Vendor-XX/XX/XXXX

Open-This is a Federal High Cost Loan. Since the loan file does not contain a Section XX Sign Date, the System assumes the creditor did not furnish the Federal High Cost Section XX disclosures at least X business days prior to consummation, in violation of Reg Z. (XX CFR XXXX.XX(c) and XXXX.XX(c)) This is a Federal High Cost Loan. Since the loan file does not contain a Section XX Sign Date, the System assumes the creditor did not furnish the Federal High Cost Section XX disclosures at least X business days prior to consummation, in violation of Reg Z. (XX CFR XXXX.XX(c) and XXXX.XX(c)) - Due Diligence Vendor-XX/XX/XXXX

Open- - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-This is not a High Cost loan. Please advise. - Seller-XX/XX/XXXX

Resolved-Updated invalid entry, finding cleared. - Due Diligence Vendor-XX/XX/XXXX

Primary Residence

Refinance

Cash Out - Other

7551575

N/A

XXXX

10139239

Closed

2026-02-10 20:19

2026-02-18 10:29

Resolved

1 - Information

Compliance

Mavent

HighCost: APR/FEES

Resolved-Updated invalid entry, finding cleared. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-This is not a High Cost loan. Please advise. - XXXXX-XX/XX/XXXX

Open-The loan fees ($XX,XXX.XX) exceed the (FEDXXXX) (Note Amount >=$XX,XXX.XX) fee limit, which is X% of the Total Loan Amount ($XX,XXX.XX), the difference is ($X,XXX.XX). (XX CFR XXXX.XX). (The loan fees ($XX,XXX.XX) exceed the (FEDXXXX) (Note Amount >=$XX,XXX.XX) fee limit, which is X% of the Total Loan Amount ($XX,XXX.XX), the difference is ($X,XXX.XX). (XX CFR XXXX.XX).) - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-Updated invalid entry, finding cleared. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Primary Residence

Refinance

Cash Out - Other

7551576

N/A

XXXX

10139242

Closed

2026-02-12 01:35

2026-02-25 03:34

Resolved

1 - Information

Credit

Insurance

Hazard Insurance Effective Date is after the Note Date

Resolved-Hazard Insurance Effective Date of XX-XX-XXXX is after the Note Date of XX-XX-XXXX Received PCCD with disbursement date of XX/XX/XXXX and HOI dec page with the effective date of XX/XX/XXXX which is the same as the effective date on the policy provided, resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. - XXXXX-XX/XX/XXXX

Open-Hazard Insurance Effective Date of XX-XX-XXXX is after the Note Date of XX-XX-XXXX Hazard Insurance Effective Date Cannot be after closing date or disbursement of XX/XX/XXXX. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

XXXXXX XXX XX.XXX

XXXXXX XXXX.XXX

Primary Residence

Purchase

7576341

N/A

XXXX

10139242

Closed

2026-02-17 09:42

2026-02-25 03:10

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 Gap Credit Report is Missing

Resolved-Received UDM report, resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-Borrower X Gap Credit Report is not missing. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. - XXXXX-XX/XX/XXXX

Open-Borrower X Gap Credit Report is Missing Missing UDM. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-Received UDM report, resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-Borrower X Gap Credit Report is not missing. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

XXXXXXX XXX_XXX (XX).XXX

Primary Residence

Purchase

7657073

N/A

XXXX

10139243

Closed

2026-03-03 11:32

2026-03-03 11:36

Waived

2 - Non-Material

Credit

Eligibility

Housing History Does Not Meet Guideline Requirements

Waived-Client elects to waive with the following compensating factors:
Exception page XXX. Utilize VOM for private mortgage in lieu of XX months cancelled checks/bank statements. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Open-Client elects to waive with the following compensating factors:
Exception page XXX.
Utilize VOM for private mortgage in lieu of XX months cancelled checks/bank statements. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Open-Utilize VOM for private mortgage in lieu of XX months cancelled checks/bank statements. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Guideline min FICO XXX, Qualifying FICO XXX
Guidelines required months of reserves X, Qualifying months of reserves XX.XX
Depth of prior housing history X years.

Investment

Refinance

Rate and Term

7901194

Originator Pre-Close

Yes

XXXX

10139247

Closed

2026-02-09 22:26

2026-02-20 12:10

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 Gap Credit Report is Missing

Resolved-Evidence of Undisclosed Debt Monitoring provided.   - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-Requested gap credit report provided, updated & condition resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-Borrower X Gap Credit Report is not missing. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded.  - XXXXX-XX/XX/XXXX

Open-Borrower X Gap Credit Report is Missing Gap report for BX  is missing in file, and as per pg-XXX, monitoring not started. No UDM report in file. Although the guidelines do not require a gap report, the file must include evidence of undisclosed debt monitoring. This documentation could not be located in the file. Please provide the undisclosed debt monitoring report. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

XXXXX XXX_XXX (XX).XXX

Primary Residence

Purchase

7529404

N/A

XXXX

10139247

Closed

2026-02-09 22:26

2026-02-20 12:10

Resolved

1 - Information

Credit

Missing Doc

Borrower 2 Gap Credit Report is Missing

Resolved-Evidence of Undisclosed Debt Monitoring provided. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-Requested gap credit report provided, updated & condition resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-Borrower X Gap Credit Report is not missing. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. - XXXXX-XX/XX/XXXX

Open-Borrower X Gap Credit Report is Missing Gap report for BX is missing in file, and as per pg-XXX, monitoring not started. No UDM report in file. Although the guidelines do not require a gap report, the file must include evidence of undisclosed debt monitoring. This documentation could not be located in the file. Please provide the undisclosed debt monitoring report. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

XXXXX XXX_XXX (XX).XXX

Primary Residence

Purchase

7529405

N/A

XXXX

10139248

Closed

2026-02-17 19:31

2026-02-20 03:58

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 Gap Credit Report is Missing

Resolved-Requested gap credit report provided, updated & condition resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-Borrower X Gap Credit Report is not missing. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. - XXXXX-XX/XX/XXXX

Open-Borrower X Gap Credit Report is Missing ; Guidelines Page XX Undisclosed debt monitoring required. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

XXXX XXX_XXX (XX).XXX

Primary Residence

Purchase

7669677

N/A

XXXX

10139249

Closed

2026-02-21 08:55

2026-03-06 09:22

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 Gap Credit Report is Missing

Resolved-Evidence of Undisclosed Debt Monitoring provided. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Requested UDM in lieu of Gap credit report provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Borrower X Gap Credit Report is not missing. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX

Open-Borrower X Gap Credit Report is Missing Evidence of Undisclosed Debt Monitoring missing. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXXX XXX.pdf

Primary Residence

Refinance

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

7738649

N/A

XXXX

10139249

Closed

2026-02-21 09:12

2026-03-06 07:16

Waived

2 - Non-Material

Credit

Eligibility

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

Waived-Client elects to waive with the following compensating factors: - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. i see two comp factors on the exception. attached again - Seller-XX/XX/XXXX

Open-Audited Reserves of X.XX months are less than Guideline Required Reserves of X months. Shortage of reserves ($X,XXX.XX), Exception provided on page #XXX requested for short X months verified reserves. There is only one strong compensating factor on the file currently. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. i see two comp factors on the exception. attached again - Seller-XX/XX/XXXX

Waived-Client elects to waive with the following compensating factors: - Due Diligence Vendor-XX/XX/XXXX

XXX XXXXXXXXX XXXXXXXX (XX).pdf

XXX Representative credit score exceeds the minimum required of XXX by XX points
Residual income of $X,XXX.XX exceeds the minimum of $X,XXX

Primary Residence

Refinance

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

7738689

Originator Pre-Close

Yes

XXXX

10139250

Closed

2026-02-10 04:34

2026-03-03 10:27

Resolved

1 - Information

Credit

Income/Employment

Income and Employment Do Not Meet Guidelines

Resolved- - Due Diligence Vendor-XX/XX/XXXX

Rescinded-Income and Employment Do Not Meet Guidelines The income calculation for the IRA income was provided. Documentation is on pages XXX and XXX. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX

Open-Income and Employment Do Not Meet Guidelines Retirement income is listed on both the XXXX and XXXX; however, no supporting documentation was provided. Please submit the required retirement income documentation so the income can be properly verified. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX

Rescinded-Income and Employment Do Not Meet Guidelines The income calculation for the IRA income was provided. Documentation is on pages XXX and XXX. - Due Diligence Vendor-XX/XX/XXXX

XXXXXX XXX XXXXXX XXXXXXXXXXX XXXXXXXXX (XX).pdf

Primary Residence

Purchase

7531497

N/A

XXXX

10139250

Closed

2026-02-10 05:45

2026-03-03 10:27

Resolved

1 - Information

Credit

Missing Doc

Missing Lender Income Calculation Worksheet

Resolved-Validation Resolved' - Due Diligence Vendor-XX/XX/XXXX

Resolved- - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX

Open-Bank Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. Income Calculator is Missing for both borrowers. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Validation Resolved' - Due Diligence Vendor-XX/XX/XXXX

XXXXXX XXXXXX XXXXXXXXXXX XXXXXXXXX (XX).pdf

Primary Residence

Purchase

7532549

N/A

XXXX

10139250

Closed

2026-02-11 13:35

2026-02-17 06:22

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 Gap Credit Report is Missing

Resolved-Borrower X Gap Credit Report is not missing. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX

Open-Borrower X Gap Credit Report is Missing Per the guidelines, a gap report is not required; however, the file must contain evidence of undisclosed debt monitoring. This documentation could not be located in the file. Please provide the undisclosed debt monitoring report. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Borrower X Gap Credit Report is not missing. - Due Diligence Vendor-XX/XX/XXXX

XXXXXX XXX.pdf

Primary Residence

Purchase

7567179

N/A

XXXX

10139250

Closed

2026-02-11 13:35

2026-02-17 06:22

Resolved

1 - Information

Credit

Missing Doc

Borrower 2 Gap Credit Report is Missing

Resolved-Borrower X Gap Credit Report is not missing. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX

Open-Borrower X Gap Credit Report is Missing Per the guidelines, a gap report is not required; however, the file must contain evidence of undisclosed debt monitoring. This documentation could not be located in the file. Please provide the undisclosed debt monitoring report. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Borrower X Gap Credit Report is not missing. - Due Diligence Vendor-XX/XX/XXXX

XXXXXX XXX.pdf

Primary Residence

Purchase

7567180

N/A

XXXX

10139251

Closed

2026-02-13 23:05

2026-02-25 08:28

Resolved

1 - Information

Credit

Missing departing residence documentation

Resolved-Updated XXXX has been provided to remove the additional $XXXX for the property located at XXXX XXXXXX XXXXXX. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX

Open-Lender considered $XXXX additional expenses for the investment residence #XXXX XXXXXX XXXXXX as per XXXX. As per available mortgage statement in the page XXX, with P&I, tax and insurance are escrowed. And property doesn't have any HOA fees. Couldn't verify $XXXX additional expense since supporting document is missing the file. Please provide supporting document for the additional expenses of $XXXX considered for the property and towards DTI. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX

Resolved-Updated XXXX has been provided to remove the additional $XXXX for the property located at XXXX XXXXXX XXXXXX. - Due Diligence Vendor-XX/XX/XXXX

XXXXXX XXXXXXX XXXX.pdf

Primary Residence

Purchase

7621426

N/A

XXXX

10139251

Closed

2026-02-19 09:44

2026-02-23 13:29

Resolved

1 - Information

Compliance

TRID

Final CD: Disbursement Date is missing or inaccurate

Resolved-Final settlement statement provided. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX

Open-Disbursement date reflected on the final CD is prior to closing. Please provide the corrected final CD to reflect disbursement at or post closing - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX

Resolved-Final settlement statement provided. - Due Diligence Vendor-XX/XX/XXXX

XXXXXX XXXXX XXXX XXXXXXXXXX.XXX

XXXXXX XXXX.XXX

Primary Residence

Purchase

7700810

N/A

XXXX

10139251

Closed

2026-02-13 21:39

2026-02-23 04:09

Resolved

1 - Information

Credit

Missing Doc

Borrower 2 Gap Credit Report is Missing

Resolved-Requested UDM in lieu of gap credit report provided, updated & condition resolved.
- Due Diligence Vendor-XX/XX/XXXX

Resolved-Borrower X Gap Credit Report is not missing. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX

Open-Borrower X Gap Credit Report is Missing BX evidence of Undisclosed Debt Monitoring is missing in the file . Please provide evidence of Undisclosed Debt Monitoring. - Due Diligence Vendor-XX/XX/XXXX

XXXXXX XXX.XXX

Primary Residence

Purchase

7621242

N/A

XXXX

10139251

Closed

2026-02-13 21:39

2026-02-23 04:09

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 Gap Credit Report is Missing

XXXXXX XXX.XXX

Primary Residence

Purchase

7621241

N/A

XXXX

10139251

Closed

2026-02-13 21:52

2026-02-23 04:06

Resolved

1 - Information

Credit

Insurance

Hazard Insurance Effective Date is after the Note Date

Resolved-PCCD provided with disbursement date of XX/XX/XXXX which is after the HOI effective date XX/XX/XXXX hence condition resolved. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX

Open-Hazard Insurance Effective Date of XX-XX-XXXX is after the Note Date of XX-XX-XXXX Hazard Insurance Effective date is XX/XX/XXXX which the post closing/disbursement date. Please provide Hazard Insurance policy effective prior/on the closing date. - Due Diligence Vendor-XX/XX/XXXX

Resolved-PCCD provided with disbursement date of XX/XX/XXXX which is after the HOI effective date XX/XX/XXXX hence condition resolved. - Due Diligence Vendor-XX/XX/XXXX

XXXXXX XXXXX XXXX XXXXXXXXXX.XXX

XXXXXX XXXX.XXX

Primary Residence

Purchase

7621256

N/A

XXXX

10139253

Closed

2026-02-05 04:33

2026-02-20 08:28

Resolved

1 - Information

Credit

Assets

Asset 3 Does Not Meet Guideline Requirements

Resolved-Wire proof or Transfer for Gift funds uploaded, Verified & entered in system - Resolved
- Due Diligence Vendor-XX/XX/XXXX

Resolved-Asset Record X Meets G/L Requirements Or Not Applicable - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX

Open-Asset Record X Does Not Meet G/L Requirements Asset Record X Gift amount of $XX,XXX Proof of deposit is missing from file. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXX XXXX XXXX XXX.XXX

Primary Residence

Purchase

7456245

N/A

XXXX

10139253

Closed

2026-02-04 23:03

2026-02-20 08:23

Resolved

1 - Information

Credit

Borrower

Discrepancy between 1008 Page Qualifying FICO and actual Qualifying FICO

Resolved-Documentation clears the finding. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX

Counter-XXXX shows "XXX" - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. FICO is XXX - Buyer-XX/XX/XXXX

Open-Qualifying FICO on the XXXX Page is 'XXX' or blank, but the Qualifying FICO from the Credit Liabilities Page is 'XXX' or blank. Qualifying FICO entries do not match. Please confirm the correct Qualifying FICO value. Qualifying FICO on the XXXX Page is XXX, however the audited qualifying FICO from the Credit Liabilities Page is XXX. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Documentation clears the finding. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXX XXXX.XXX

XXXXXXX XXXX.XXX

Primary Residence

Purchase

7454250

N/A

XXXX

10139253

Closed

2026-02-06 02:06

2026-02-18 08:08

Resolved

1 - Information

Credit

Missing Doc

1008 Document is Missing

Resolved- - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX

Open-The XXXX document is missing from the loan file. X. The XXXX Risk Assessment shows manual underwriting; however, there is no loan approval in the file. There is an AUS on page XXX that is “Approve and Eligible”
X. Qualifying FICO on the XXXX Page is XXX, however the audited qualifying FICO from the Credit report is XXX. Required updated XXXX with correct FICO and Risk Assessment.
- Due Diligence Vendor-XX/XX/XXXX

XXXXXXX XXXX.XXX

Primary Residence

Purchase

7483249

N/A

XXXX

10139253

Closed

2026-02-05 01:16

2026-02-18 08:06

Resolved

1 - Information

Compliance

TRID Tolerance

Insufficient Tolerance Cure (50001028)

Resolved- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review- adjustments to lender credit are allowable as final figures are received from title. - Buyer-XX/XX/XXXX

Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Open-A Lender Credit for Excess Charges of ($X.XX), Principal Reduction for Excess Charges of ($X.XX), and general or specific lender credit increases of ($X.XX) were applied to the total fee variance of ($X,XXX.XX) between the baseline disclosure and the last Closing Disclosure. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Open-A Lender Credit for Excess Charges of ($X.XX), Principal Reduction for Excess Charges of ($X.XX), and general or specific lender credit increases of ($X.XX) were applied to the total fee variance of ($X,XXX.XX) between the baseline disclosure and the last Closing Disclosure. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Primary Residence

Purchase

7454980

N/A

XXXX

10139253

Closed

2026-02-04 23:03

2026-02-18 07:28

Resolved

1 - Information

Credit

Eligibility

Ineligible Housing History per program guidelines

Resolved-AUS clears finding. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX

Open-Housing History Does Not Meet Guideline Requirements 1 month rental payment history was provided on page XX. Required VOR 12 months rent receipt to meet GL requirement. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-AUS clears finding. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

XXXXXXX XXX XX XXXX XX XXXXXXX XXXXXXX.XXX

Primary Residence

Purchase

7454247

N/A

XXXX

10139253

Closed

2026-02-04 22:24

2026-02-18 07:28

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 3rd Party VOE Prior to Close Missing

Resolved-Document clears finding. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX

Open-Borrower 1 3rd Party VOE Prior to Close Missing Borrower 3rd Party VOE Prior to Close missing from file. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-Document clears finding. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

XXXXXXX XXXXXXXXXX XXXXXXXX XXX XXXX.XXX

Primary Residence

Purchase

7454039

N/A

XXXX

10139253

Closed

2026-02-04 23:31

2026-02-18 04:10

Resolved

1 - Information

Property

Missing Doc

1004D Completion Report is Missing

Resolved-1004D Completion Report uploaded, Verified & entered in system - Resolved
- XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-1004D Completion Report is present - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX

Open-1004D Completion Report is Missing 1004D Completion Report is missing from file. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX

Resolved-1004D Completion Report uploaded, Verified & entered in system - Resolved
- XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-1004D Completion Report is present - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

XXXXXXX XXXXX.XXX

Primary Residence

Purchase

7454403

N/A

XXXX

10139253

Closed

2026-02-04 23:03

2026-02-18 04:10

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 Gap Credit Report is Missing

Resolved-UDM report uploaded, Verified & entered in system - Resolved
- XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX

Open-Borrower 1 Gap Credit Report is Missing Gap Credit Report is missing from file.
- XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-UDM report uploaded, Verified & entered in system - Resolved
- XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

XXXXXXX XXX.XXX

Primary Residence

Purchase

7454248

N/A

XXXX

10139254

Closed

2026-02-05 06:32

2026-02-09 14:10

Waived

2 - Non-Material

Credit

Income/Employment

Income/Employment General

Waived-Exception provided on page#XXX, Requested for Exceeds Maximum of 6 REOS Borrower has 8. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Exception provided on page#XXX, Requested for Exceeds Maximum of 6 REOS Borrower has 8.
A--Exceeds minimum reserves by 3 months.
C--Time on Current job 9 years.
Qualifying DTI less than XX%, and at least XX% less than guideline maximum.

Investment

Refinance

No Cash Out - Borrower Initiated

7460624

Originator Pre-Close

Yes

XXXX

10139255

Closed

2026-03-01 23:46

2026-03-04 15:06

Waived

2 - Non-Material

Credit

Tradeline minimum has not met guidelines

Waived-UW Exception for minimum Tradelines not meeting Guidelines provided, page XXX. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Waived-Underwriting exception on the page #XXX, Exception requested- NO ACTIVE TRADELINES SINCE XX/XXXX
LTV is XX%. Maximum allowed per guidelines is XX%.
Borrower(s) have XX.XX months Reserves. Minimum required per guidelines is 4 months.
- XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

LTV is XX%. Maximum allowed per guidelines is XX%.
Borrower(s) have XX.XX months Reserves. Minimum required per guidelines is 4 months.
XXX Representative credit score exceeds the minimum required of XXX by XX points

Investment

Refinance

Cash Out - Other

7865352

Originator Pre-Close

Yes

XXXX

10151687

Closed

2026-03-03 21:28

2026-03-10 08:56

Resolved

1 - Information

Compliance

TRID Tolerance

Lender Credits That Cannot Decrease Test (50001262)

Resolved-COC provided to clear the finding. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-COC provided is valid. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. RE-LE attached - XXXXX-XX/XX/XXXX

Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Open-The baseline amount of non-specific (lump sum) lender credits and specific lender credits disclosed is ($X,XXX.XX). The Last CD shows a total lender credit amount of ($X,XXX.XX). The following fees "lender credits" have decreased below their baseline amounts (General Lender Credit). Non-specific lender credits are generalized payments that do not pay for a particular fee. Specific lender credits are specific payments to pay for a specific fee. The total amount of non-specific and specific lender credits cannot decrease unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (XX CFR XXXX.XX(e)(X)(i) and comments XX(e)(X)(i)-X and -X; XX CFR XXXX.XX(f)(X)(v); XX CFR XXXX.XX(g)(X); XX CFR XXXX.XX(h)). Lender Credit on the Initial LE was $X,XXX.XX; however, it decreased to $X,XXX.XX on the Closing Disclosure. A valid COC is required to cure the tolerance. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-COC provided to clear the finding. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-COC provided is valid. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

XXXXXXXX XXXXX.pdf

Primary Residence

Purchase

7911299

N/A

XXXX

10151687

Closed

2026-03-03 05:53

2026-03-10 00:02

Resolved

1 - Information

Credit

Insurance

Hazard Insurance Effective Date is after the Note Date

Resolved-PCCD dated XX/XX/XXXX provided which is same as effective date of HOI policy, updated PCCD & condition resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX

Open-Hazard Insurance Effective Date of XX-XX-XXXX is after the Note Date of XX-XX-XXXX Hazard Insurance effective Date of XX-XX-XXXX is after the Note date of XX-XX-XXXX - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX

Resolved-PCCD dated XX/XX/XXXX provided which is same as effective date of HOI policy, updated PCCD & condition resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

XXXXXXXX XXX.pdf

XXXXXXXX XXXXX.pdf

XXXXXXXX XXXXXXXX-XXXX-XXXX-XXXX-XXXXXXXXXXXX.pdf

Primary Residence

Purchase

7892711

N/A

XXXX

10151687

Closed

2026-03-03 05:33

2026-03-09 23:45

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 Gap Credit Report is Missing

Resolved-Evidence of Undisclosed Debt Monitoring provided. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-Borrower X Gap Credit Report is not missing. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX

Open-Borrower X Gap Credit Report is Missing Evidence of Undisclosed Debt Monitoring missing. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX

Resolved-Evidence of Undisclosed Debt Monitoring provided. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-Borrower X Gap Credit Report is not missing. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

XXXXXXXX UDN.pdf

Primary Residence

Purchase

7892465

N/A

XXXX

10151689

Closed

2026-02-23 08:59

2026-03-04 05:39

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 Gap Credit Report is Missing

Resolved-Evidence of Undisclosed Debt Monitoring provided, resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-Received UDM report, resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-Borrower X Gap Credit Report is not missing. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. - XXXXX-XX/XX/XXXX

Open-Borrower X Gap Credit Report is Missing Missing UDM report. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

XXXXXXXXX UDN.pdf

Primary Residence

Refinance

Cash Out - Other

7755920

N/A

XXXX

10151689

Closed

2026-02-20 03:36

2026-03-03 23:36

Resolved

1 - Information

Compliance

Missing Doc

The Initial 1003 is Missing

Resolved-Initial XXXX uploaded, Verified & entered in system - Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-The Initial XXXX is Present - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. - XXXXX-XX/XX/XXXX

Open-The Initial XXXX is Missing - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-Initial XXXX uploaded, Verified & entered in system - Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-The Initial XXXX is Present - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

XXXXXXXXX XXXXXXX XXXX.pdf

Primary Residence

Refinance

Cash Out - Other

7714431

N/A

XXXX

10151690

Closed

2026-02-13 02:13

2026-02-23 07:50

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 Business Bank Statements Missing

Resolved-Requested XXX XXXX business bank statement provided, updated & condition resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-Borrower X Business Bank Statements Provided - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded.  - XXXXX-XX/XX/XXXX

Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded.  - XXXXXX-XX/XX/XXXX

Open-Borrower X Business Bank Statements Missing XXX XXXX Bank statement, acct# XXXX  Missing.  - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX

XXXXXXX XXX.pdf

XXXXXXXX XXX.pdf

Primary Residence

Refinance

Rate and Term

7601599

N/A

XXXX

10151690

Closed

2026-02-17 11:41

2026-02-23 06:47

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 Gap Credit Report is Missing

Resolved-Borrower X Gap Credit Report is not missing. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-Evidence of Undisclosed Debt Monitoring provided. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Evidence of Undisclosed Debt Monitoring provided. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. - XXXXX-XX/XX/XXXX

Open-Borrower X Gap Credit Report is Missing Evidence of Undisclosed Debt Monitoring missing - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-Borrower X Gap Credit Report is not missing. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-Evidence of Undisclosed Debt Monitoring provided. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

XXXXXXX XXX.pdf

Primary Residence

Refinance

Rate and Term

7660321

N/A

XXXX

10151690

Closed

2026-02-17 11:41

2026-02-23 06:47

Resolved

1 - Information

Credit

Missing Doc

Borrower 2 Gap Credit Report is Missing

Resolved-Borrower 2 Gap Credit Report is not missing. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Evidence of Undisclosed Debt Monitoring provided. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX

Open-Borrower 2 Gap Credit Report is Missing Evidence of Undisclosed Debt Monitoring missing - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX

Resolved-Borrower 2 Gap Credit Report is not missing. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Evidence of Undisclosed Debt Monitoring provided. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXX XXX.XXX

Primary Residence

Refinance

Rate and Term

7660322

N/A

XXXX

10151695

Closed

2026-02-17 13:40

2026-02-19 02:17

Resolved

1 - Information

Credit

Missing Doc

Borrower 2 Gap Credit Report is Missing

Resolved-Received UDM, resolved. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Borrower 2 Gap Credit Report is not missing. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX

Open-Borrower 2 Gap Credit Report is Missing Missing UDM. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Received UDM, resolved. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Borrower 2 Gap Credit Report is not missing. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXXXXXXXXX XXX.XXX

Primary Residence

Purchase

7662641

N/A

XXXX

10151695

Closed

2026-02-17 13:40

2026-02-19 02:16

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 Gap Credit Report is Missing

Resolved-Received UDM, resolved. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX

Open-Borrower 1 Gap Credit Report is Missing Missing UDM. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Received UDM, resolved. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXXXXXXXXX XXX.XXX

Primary Residence

Purchase

7662640

N/A

XXXX

10151696

Closed

2026-02-18 03:55

2026-02-25 19:41

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 Gap Credit Report is Missing

Resolved-Received UDN. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX

Open-Borrower 1 Gap Credit Report is Missing Provide evidence of Undisclosed Debt Monitoring. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Received UDN. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXXX XXX.XXX

Primary Residence

Purchase

7672366

N/A

XXXX

10151696

Closed

2026-02-18 03:31

2026-02-25 19:38

Resolved

1 - Information

Credit

Income/Employment

Income/Employment General

Resolved-Expenses are XX%. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX

Open-Missing documentation to evidence that Self-employment has no job related expenses for the self-employment XXXXXXXX XXXXXXXX XXX contracted with XXXX XXX. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Expenses are XX%. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXX XXX.XXX

Primary Residence

Purchase

7672215

N/A

XXXX

10151698

Closed

2026-02-22 10:36

2026-02-27 03:26

Resolved

1 - Information

Credit

Missing Doc

Borrower 2 Gap Credit Report is Missing

Resolved-UDN Report uploaded, Verified & entered in system - Resolved
- Due Diligence Vendor-XX/XX/XXXX

Resolved-Borrower 2 Gap Credit Report is not missing. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX

Open-Borrower 2 Gap Credit Report is Missing Evidence of Undisclosed Debt Monitoring provided. - Due Diligence Vendor-XX/XX/XXXX

Resolved-UDN Report uploaded, Verified & entered in system - Resolved
- Due Diligence Vendor-XX/XX/XXXX

Resolved-Borrower 2 Gap Credit Report is not missing. - Due Diligence Vendor-XX/XX/XXXX

XXXXXX XXX.XXX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

7741956

N/A

XXXX

10151698

Closed

2026-02-22 10:36

2026-02-27 03:26

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 Gap Credit Report is Missing

Resolved-UDN Report uploaded, Verified & entered in system - Resolved
- Due Diligence Vendor-XX/XX/XXXX

Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX

Open-Borrower 1 Gap Credit Report is Missing Evidence of Undisclosed Debt Monitoring provided. - Due Diligence Vendor-XX/XX/XXXX

Resolved-UDN Report uploaded, Verified & entered in system - Resolved
- Due Diligence Vendor-XX/XX/XXXX

Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-XX/XX/XXXX

XXXXXX XXX.XXX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

7741955

N/A

XXXX

10151699

Closed

2026-02-19 17:50

2026-02-25 08:42

Resolved

1 - Information

Credit

Eligibility

Ineligible Housing History per program guidelines

Resolved-XXXXXXXX xxXXXX mortgage statement X/XX/XXXX, next due X/X/XXXX. Disbursement X/XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX

Open-Housing History Does Not Meet Guideline Requirements Guidelines Page XX missing January X, XXXX Mortgage payment XXXXXXXXX xxXXXX made before end of January XXXX, Subject Transaction Disbursement X/XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX

Resolved-XXXXXXXX xxXXXX mortgage statement X/XX/XXXX, next due X/X/XXXX. Disbursement X/XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX

XXXXXX XXXXXXXX XXXXXXXX XXXXXXX.pdf

Primary Residence

Refinance

Cash Out - Other

7711406

N/A

XXXX

10151699

Closed

2026-02-19 17:16

2026-02-25 08:39

Resolved

1 - Information

Compliance

Closing

Loan Originator NMLS Status is Unknown

Resolved-Settlement Agreement and Consent Order XX/XX/XXXX, assumption penalties paid and license NMLS XXXXXXX not revoked since Active with XXXX XXXXXXX XXXXXXX aka XXX XXXXXXX aka XXXX XXXXXX XXXXXXXX NMLS XXXXXX. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. NMLS showing active - Buyer-XX/XX/XXXX

Open-Loan Originator NMLS Status is Unknown Unable to determine NMLS XXXXXXX revoked or re-instated. - Due Diligence Vendor-XX/XX/XXXX

XXXXXX XX NMLS.pdf

Primary Residence

Refinance

Cash Out - Other

7710039

N/A

XXXX

10151699

Closed

2026-02-17 00:51

2026-02-27 10:03

Resolved

1 - Information

Compliance

HigherPriced:APR

Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming)

Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan. - Due Diligence Vendor-XX/XX/XXXX

Open- - Due Diligence Vendor-XX/XX/XXXX

Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. ( XX CFR § XXXX.XX(a)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg # and the Final Closing disclosure on Pg #XXX reflects escrows. Rate lock date was entered correctly – see Pg #XXX An interior and exterior appraisal was completed for this property – see Pg #XX-XX, the appraisal disclosure was provided to the borrower(s)- see Pg #XXX and copy of the appraisal was given to the borrower – see Pg #XX for the copy of the disclosure. The loan meets HPML guidelines. - Due Diligence Vendor-XX/XX/XXXX

Open- - Due Diligence Vendor-XX/XX/XXXX

Open- - Due Diligence Vendor-XX/XX/XXXX

Open- - Due Diligence Vendor-XX/XX/XXXX

Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan. - Due Diligence Vendor-XX/XX/XXXX

Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. ( XX CFR § XXXX.XX(a)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg # and the Final Closing disclosure on Pg #XXX reflects escrows. Rate lock date was entered correctly – see Pg #XXX An interior and exterior appraisal was completed for this property – see Pg #XX-XX, the appraisal disclosure was provided to the borrower(s)- see Pg #XXX and copy of the appraisal was given to the borrower – see Pg #XX for the copy of the disclosure. The loan meets HPML guidelines. - Due Diligence Vendor-XX/XX/XXXX

Primary Residence

Refinance

Cash Out - Other

7645453

N/A

XXXX

10151699

Closed

2026-02-17 00:51

2026-02-27 10:03

Resolved

1 - Information

Compliance

HigherPriced:APR

XXXX - Higher Priced Mortgage Loan (First Lien 06/2013)(Conforming)

Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan. - Due Diligence Vendor-XX/XX/XXXX

Open- - Due Diligence Vendor-XX/XX/XXXX

Resolved-This is a XXXX Higher-Priced Mortgage Loan (HPML). The loan's APR of (X.XXX%) equals or exceeds the XXXX HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (X.XX%).(Cal. Fin. Code XXXX(a); XX CFR XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. ( XX CFR § XXXX.XX(a)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg # and the Final Closing disclosure on Pg #XXX reflects escrows. Rate lock date was entered correctly – see Pg #XXX An interior and exterior appraisal was completed for this property – see Pg #XX-XX, the appraisal disclosure was provided to the borrower(s)- see Pg #XXX and copy of the appraisal was given to the borrower – see Pg #XX for the copy of the disclosure. The loan meets HPML guidelines. - Due Diligence Vendor-XX/XX/XXXX

Open- - Due Diligence Vendor-XX/XX/XXXX

Open- - Due Diligence Vendor-XX/XX/XXXX

Open- - Due Diligence Vendor-XX/XX/XXXX

Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan. - Due Diligence Vendor-XX/XX/XXXX

Resolved-This is a XXXX Higher-Priced Mortgage Loan (HPML). The loan's APR of (X.XXX%) equals or exceeds the XXXX HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (X.XX%).(Cal. Fin. Code XXXX(a); XX CFR XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. ( XX CFR § XXXX.XX(a)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg # and the Final Closing disclosure on Pg #XXX reflects escrows. Rate lock date was entered correctly – see Pg #XXX An interior and exterior appraisal was completed for this property – see Pg #XX-XX, the appraisal disclosure was provided to the borrower(s)- see Pg #XXX and copy of the appraisal was given to the borrower – see Pg #XX for the copy of the disclosure. The loan meets HPML guidelines. - Due Diligence Vendor-XX/XX/XXXX

Primary Residence

Refinance

Cash Out - Other

7645455

N/A

XXXX

10151700

Closed

2026-02-25 21:42

2026-02-27 08:09

Resolved

1 - Information

Compliance

TRID Tolerance

Lender Credits That Cannot Decrease Test (50001262)

Resolved-Resolved - Due Diligence Vendor-XX/XX/XXXX

Open- - Due Diligence Vendor-XX/XX/XXXX

Open- - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX

Open-The baseline amount of non-specific (lump sum) lender credits and specific lender credits disclosed is ($XXX.XX). The Last CD shows a total lender credit amount of ($XXX.XX). The following fees "lender credits" have decreased below their baseline amounts (General Lender Credit). Non-specific lender credits are generalized payments that do not pay for a particular fee. Specific lender credits are specific payments to pay for a specific fee. The total amount of non-specific and specific lender credits cannot decrease unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (XX CFR XXXX.XX(e)(X)(i) and comments XX(e)(X)(i)-X and -X; XX CFR XXXX.XX(f)(X)(v); XX CFR XXXX.XX(g)(X); XX CFR XXXX.XX(h)). lender credits decreased from initial Cd to Final Cd and there is no coc to cure the tolerance - Due Diligence Vendor-XX/XX/XXXX

Open- - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX

Resolved-Resolved - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXX XXX.pdf

XXXXXXXX XX.pdf

Primary Residence

Refinance

No Cash Out - Borrower Initiated

7815109

N/A

XXXX

10151700

Closed

2026-02-23 03:43

2026-02-27 07:50

Resolved

1 - Information

Compliance

Missing Doc

TRID: Missing Initial Closing Disclosure

Resolved-Rec'd/Resolved - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-This is how all ICDs generate - with future estimated dates.    - Buyer-XX/XX/XXXX

Counter-ICD provided has a closing and disbursement dated in the future. Please reconcile and resubmit.   - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded.  - Buyer-XX/XX/XXXX

Open-TRID: Missing Closing Disclosure Initial Closing Disclosure is missing from file, required Initial CD to Run the Mavent. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Rec'd/Resolved - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXX XXX.pdf

Primary Residence

Refinance

No Cash Out - Borrower Initiated

7746983

N/A

XXXX

10151700

Closed

2026-02-22 22:37

2026-02-26 04:10

Resolved

1 - Information

Credit

Eligibility

Ineligible Housing History per program guidelines

Resolved-Considered Housing history from AUS document, Changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX

Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. AUS in lieu of housing history - Seller-XX/XX/XXXX

Open-Housing History Does Not Meet Guideline Requirements Borrower has been residing in their own primary residence for the past X months and previously lived rent-free with no housing expense for XX years at the same address. However, the file is missing the required mortgage payment history/VOM or rent-free LOX, which is needed to meet GL requirements. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. AUS in lieu of housing history - Seller-XX/XX/XXXX

XXXXXXX AUS in lieu of housing history.pdf

Primary Residence

Refinance

No Cash Out - Borrower Initiated

7745607

N/A

XXXX

10151700

Closed

2026-02-22 22:43

2026-02-26 04:08

Resolved

1 - Information

Credit

Insurance

Hazard Insurance Coverage Amount is less than Required Coverage Amount

Resolved-Insurance coverage does not covers loan amount, provided RCE, changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX

Resolved-Hazard Insurance Coverage Amount of $XXXXXX is equal to or greater than Required Coverage Amount of $XXXXXX or Guaranteed Replacement Coverage is present (Guaranteed Replacement Coverage indicator is 'N/A') - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX

Open-Hazard Insurance Coverage Amount of $XXXXXX is less than Required Coverage Amount of $XXXXXX and Guaranteed Replacement Coverage indicator is 'N/A' Hazard Insurance Coverage Amount of $XXX,XXX is less than Required Coverage Amount of $XXX,XXX - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX

XXXXXXXX XXX.XXXX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

7745631

N/A

XXXX

10151702

Closed

2026-02-12 23:27

2026-02-23 07:44

Resolved

1 - Information

Compliance

TRID Tolerance

Lender Credits That Cannot Decrease Test (50001262)

Resolved-Resolved - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Please clarify. i do not see lender credits on any CD's sent - Buyer-XX/XX/XXXX

Open-The baseline amount of non-specific (lump sum) lender credits and specific lender credits disclosed is ($XX,XXX.XX). The Last CD shows a total lender credit amount of ($XX,XXX.XX). The following fees "lender credits" have decreased below their baseline amounts (Loan Origination Fee). Non-specific lender credits are generalized payments that do not pay for a particular fee. Specific lender credits are specific payments to pay for a specific fee. The total amount of non-specific and specific lender credits cannot decrease unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (XX CFR XXXX.XX(e)(X)(i) and comments XX(e)(X)(i)-X and -X; XX CFR XXXX.XX(f)(X)(v); XX CFR XXXX.XX(g)(X); XX CFR XXXX.XX(h)). Provide COC for lender credit decreasing on Final CD from $XX,XXX to $XX,XXX. Fees cannot decrease in this category. - Due Diligence Vendor-XX/XX/XXXX

Open- - Due Diligence Vendor-XX/XX/XXXX

Open- - Due Diligence Vendor-XX/XX/XXXX

Open- - Due Diligence Vendor-XX/XX/XXXX

Resolved-Resolved - Due Diligence Vendor-XX/XX/XXXX

Primary Residence

Refinance

Cash Out - Other

7600166

N/A

XXXX

10151706

Closed

2026-02-18 21:34

2026-03-11 04:23

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 Gap Credit Report is Missing

Resolved-Evidence of Undisclosed Debt Monitoring provided, resolved. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Borrower X Gap Credit Report is not missing. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded.  - Buyer-XX/XX/XXXX

Counter-UDM provided for XXXXXXXXX missing UDM for XXXXXXXX, countered. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded.  - Buyer-XX/XX/XXXX

Counter-UDM report uploaded if for another account, countered. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded.  - Buyer-XX/XX/XXXX

Open-Borrower X Gap Credit Report is Missing from file. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Evidence of Undisclosed Debt Monitoring provided, resolved. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Borrower X Gap Credit Report is not missing. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXX UDN.XXXX

XXXXXXXXX UDN X.XXXX

XXXXXXXX UDM_UDN - XXXX-XX-XXXXXXXXXX.XXX.XXXX

Primary Residence

Purchase

7690174

N/A

XXXX

10151711

Closed

2026-02-22 05:18

2026-03-12 12:19

Resolved

1 - Information

Compliance

Mavent

Fees: Limited

Open- - Due Diligence Vendor-XX/XX/XXXX

Resolved-WA Foreclosure Prevention Fee included in Section E Total. Verified by information provided by Client and Client provided XXXXXXXXXX XXXX, pXXX (Section E Fees pXXX). WA Foreclosure Prevention Disclosure provided, page XXX. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-WA Foreclosure Prevention Fee included in Section E Total.  Verified by information provided by Client and Client provided XXXXXXXXXX XXXX, pXXX (Section E Fees pXXX).  WA Foreclosure Prevention Disclosure provided, page XXX.   - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded.  - Buyer-XX/XX/XXXX

Open- - Due Diligence Vendor-XX/XX/XXXX

Open-Washington requires every borrower in a residential mortgage loan to pay an $XX Foreclosure Prevention Fee. The System did not find an $XX fee titled "Foreclosure Prevention", "Foreclosure Prevention Fee", nor "Washington Foreclosure Prevention Fee".  "Residential mortgage loan" means any loan primarily for personal, family, or household use that is secured by a mortgage, deed of trust, or other consensual security interest on a dwelling, as defined in the Truth in Lending Act, or residential real estate upon which is constructed or intended to be constructed a dwelling. (RCW XX.XX; RCW XX.XX.XXX(XX)) Washington requires every borrower in a residential mortgage loan to pay an $XX Foreclosure Prevention Fee. Foreclosure Prevention Fee missing from Final CD.  - Due Diligence Vendor-XX/XX/XXXX

Resolved-WA Foreclosure Prevention Fee included in Section E Total. Verified by information provided by Client and Client provided XXXXXXXXXX XXXX, pXXX (Section E Fees pXXX). WA Foreclosure Prevention Disclosure provided, page XXX. - Due Diligence Vendor-XX/XX/XXXX

XXXX XXXXXXXXXX XXX.XXXX

Primary Residence

Refinance

Cash Out - Other

7741250

N/A

XXXX

10151711

Closed

2026-02-22 03:01

2026-03-12 12:16

Resolved

1 - Information

Credit

Title

Title Coverage is Less than Subject Lien(s) Total

Resolved-Title Supplemental Report uploaded, Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s), Verified - Resolved - Due Diligence Vendor-XX/XX/XXXX

Resolved-Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-this was already provided - Buyer-XX/XX/XXXX

Open-Title Coverage Amount of $XXXXXX is Less than Loan Amount Title Commitment on page#XXX reflects coverage amount showing as $XXXXXX which is insufficient for Loan Amount of $XXX,XXX - Due Diligence Vendor-XX/XX/XXXX

XXXX XXXX.XXXX

Primary Residence

Refinance

Cash Out - Other

7741018

N/A

XXXX

10151711

Closed

2026-02-22 03:10

2026-03-12 12:16

Resolved

1 - Information

Credit

Missing Doc

Missing Lender Income Calculation Worksheet

Resolved-Lender Income Calculation Worksheet uploaded, Verified & entered in system - Resolved
- Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX

Open-Bank Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. Bank Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers for employer " XXXX XXX ". XXXXXX XXXX #XXXX. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX

Resolved-Lender Income Calculation Worksheet uploaded, Verified & entered in system - Resolved
- Due Diligence Vendor-XX/XX/XXXX

XXXX XXXXXX XXXX XXXXX.XXXX

Primary Residence

Refinance

Cash Out - Other

7741036

N/A

XXXX

10151711

Closed

2026-02-22 03:41

2026-03-12 12:16

Resolved

1 - Information

Credit

Missing Doc

Borrower 2 Gap Credit Report is Missing

Resolved-Evidence of Undisclosed Debt Monitoring provided.   - Due Diligence Vendor-XX/XX/XXXX

Resolved-UDN Report uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-XX/XX/XXXX

Resolved-Borrower X Gap Credit Report is not missing. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded.  - Buyer-XX/XX/XXXX

Open-Borrower X Gap Credit Report is Missing Evidence of Undisclosed Debt Monitoring missing.  - Due Diligence Vendor-XX/XX/XXXX

XXXX XXXX UDN XXXXXX.XXXX

Primary Residence

Refinance

Cash Out - Other

7741076

N/A

XXXX

10151711

Closed

2026-02-22 03:41

2026-03-12 12:15

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 Gap Credit Report is Missing

Resolved-Evidence of Undisclosed Debt Monitoring provided. - Due Diligence Vendor-XX/XX/XXXX

Resolved-UDN Report uploaded, Verified & entered in system - Resolved
- Due Diligence Vendor-XX/XX/XXXX

Resolved-Borrower X Gap Credit Report is not missing. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX

Open-Borrower X Gap Credit Report is Missing Evidence of Undisclosed Debt Monitoring missing.
- Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX

XXXX XXXX XXXX XXXXXX.pdf

Primary Residence

Refinance

Cash Out - Other

7741075

N/A

XXXX

10151715

Closed

2026-02-22 23:53

2026-03-11 12:15

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 Gap Credit Report is Missing

Resolved-Evidence of Undisclosed Debt Monitoring provided. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Requested UDM in lieu of gap credit report provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Borrower X Gap Credit Report is not missing. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX

Open-Borrower X Gap Credit Report is Missing Evidence of Undisclosed Debt Monitoring missing - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX

XXXXXXXX XXX.pdf

Primary Residence

Refinance

Cash Out - Other

7745971

N/A

XXXX

10151715

Closed

2026-02-23 00:12

2026-03-10 15:47

Resolved

1 - Information

Credit

Missing Doc

Hazard Insurance Policy is Missing

Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX

Open-Missing Hazard Insurance Policy Insurance Declaration Page reflects premium of $XXXX.XX which does not match IEADS and Final CD, pXXX and pXX, which reflects Insurance Escrow amount of $XXXX per year (XXX.XX per month). - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX

Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXX XXX.pdf

XXXXXXXX- XXX XXXXX.pdf

Primary Residence

Refinance

Cash Out - Other

7746083

N/A

XXXX

10151715

Closed

2026-02-22 22:50

2026-03-02 06:23

Resolved

1 - Information

Credit

Missing Doc

1008 Document is Missing

Resolved-XXXX provided. - Due Diligence Vendor-XX/XX/XXXX

Resolved-The XXXX document is present in the loan file. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX

Open-The XXXX document is missing from the loan file. XXXX missing from file. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX

Resolved-XXXX provided. - Due Diligence Vendor-XX/XX/XXXX

Resolved-The XXXX document is present in the loan file. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXX XXXX.pdf

Primary Residence

Refinance

Cash Out - Other

7745679

N/A

XXXX

10151717

Closed

2026-02-20 02:46

2026-03-02 23:02

Resolved

1 - Information

Credit

Missing Doc

HO6 Master Insurance Policy is Missing

Resolved-As per the Addendum provided in appraisal document it is mentioned that "The subject condominium community is self-managed. No formal homeowners association has been established, and no HOA dues or fees are assessed. There are no common amenities associated with the project. Common areas are maintained through self-management by the unit owners. No adverse impact to marketability was noted due to this condition at the time of appraisal" hence condition resolved. - Due Diligence Vendor-XX/XX/XXXX

Resolved-HO-X Master Insurance Policy is fully present - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-So this one was an odd one. It is considered a Condo but there is no formal association and it is all self managed. There is no HOA dues or fees.

This is confirmed in the appraisal.
- Seller-XX/XX/XXXX

Open-Missing HO-X Master Insurance Policy Provide HO-X Master Insurance Policy. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-So this one was an odd one. It is considered a Condo but there is no formal association and it is all self managed. There is no HOA dues or fees.

This is confirmed in the appraisal.
- Seller-XX/XX/XXXX

Primary Residence

Purchase

7714110

N/A

XXXX

10151717

Closed

2026-02-20 23:01

2026-03-02 22:57

Resolved

1 - Information

Credit

Missing Doc

Missing Homeowners Association Questionnaire

Resolved-As per the Addendum provided in appraisal document it is mentioned that "The subject condominium community is self-managed. No formal homeowners association has been established, and no HOA dues or fees are assessed. There are no common amenities associated with the project. Common areas are maintained through self-management by the unit owners. No adverse impact to marketability was noted due to this condition at the time of appraisal" hence condition resolved. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-So this one was an odd one. It is considered a Condo but there is no formal association and it is all self managed. There is no HOA dues or fees. - Seller-XX/XX/XXXX

Open-HOA Questionnaire is Missing or Partial. Provide HOA Questionnaire. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-So this one was an odd one. It is considered a Condo but there is no formal association and it is all self managed. There is no HOA dues or fees. - Seller-XX/XX/XXXX

Primary Residence

Purchase

7736239

N/A

XXXX

10151717

Closed

2026-02-20 00:16

2026-03-02 22:47

Resolved

1 - Information

Credit

Borrower

Borrower 2 Ethnicity Selection is Not Provided

Resolved-Requested Ethnicity selection for BX provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Borrower X Ethnicity Selection is Provided or is Not Applicable (Number of Borrowers is X) - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX

Open-Borrower X Ethnicity Selection is Not Provided Provide final XXXX for Borrower X with completed borrower demographic information. Borrower X Ethnicity Demographic Information is Not Provided in both Initial and Final XXXX. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXXXX XXXXXXXXXXX.pdf

Primary Residence

Purchase

7713588

N/A

XXXX

10151717

Closed

2026-02-20 00:16

2026-03-02 22:47

Resolved

1 - Information

Credit

Borrower

Borrower 2 Race Selection is Not Provided

Resolved-Requested Race selection for BX provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Borrower X Race Selection is Provided or is Not Applicable (Number of Borrowers is X) - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX

Open-Borrower X Race Selection is Not Provided Provide final XXXX for Borrower X with completed borrower demographic information. Borrower X race Demographic Information is Not Provided in both Initial and Final XXXX. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXXX XXXXXXXXXXX.XXX

Primary Residence

Purchase

7713589

N/A

XXXX

10151717

Closed

2026-02-20 01:38

2026-03-02 22:44

Resolved

1 - Information

Credit

Missing Doc

Borrower 2 Gap Credit Report is Missing

Resolved-Requested UDM in lieu of gap credit report provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Borrower X Gap Credit Report is not missing. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX

Open-Borrower X Gap Credit Report is Missing Provide undisclosed debt monitoring document. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXXX XXX.XXX

Primary Residence

Purchase

7713828

N/A

XXXX

10151717

Closed

2026-02-20 01:38

2026-03-02 22:44

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 Gap Credit Report is Missing

Resolved-Requested UDM in lieu of gap credit report provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Borrower X Gap Credit Report is not missing. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX

Open-Borrower X Gap Credit Report is Missing Provide undisclosed debt monitoring document.
- Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX

XXXXXXXXX XXX.XXX

Primary Residence

Purchase

7713827

N/A

XXXX

10151719

Closed

2026-02-23 01:45

2026-02-27 08:47

Resolved

1 - Information

Compliance

TRID

Post Consummation CD issued improperly

Resolved-PCCD rec'd/resolved - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX

Open-As per Mortgage Document Notary Date on XX/XX/XXXX and in Final CD Disbursement date is XX/XX/XXXX Required Post Closing Disclosure. - Due Diligence Vendor-XX/XX/XXXX

Resolved-PCCD rec'd/resolved - Due Diligence Vendor-XX/XX/XXXX

XXXX XXXXX.XXX

Investment

Purchase

7746430

N/A

XXXX

10151721

Closed

2026-02-19 03:30

2026-03-05 07:10

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 Gap Credit Report is Missing

Resolved-Evidence of Undisclosed Debt Monitoring provided.    - Due Diligence Vendor-XX/XX/XXXX

Resolved-UDM Report is missing in file which is required per GL's, Provided the same, changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX

Resolved-Borrower X Gap Credit Report is not missing. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded.  - Buyer-XX/XX/XXXX

Open-Borrower X Gap Credit Report is Missing Evidence of Undisclosed Debt Monitoring missing from file.  - Due Diligence Vendor-XX/XX/XXXX

XXXXX XXX.XXX

Primary Residence

Purchase

7691889

N/A

XXXX

10151722

Closed

2026-03-03 08:34

2026-03-03 08:39

Waived

2 - Non-Material

Credit

Assets

Asset General

Waived-UW Exception in file for borrower contribution not meeting the minimum X% down payment when LTV exceeds XX%. - Due Diligence Vendor-XX/XX/XXXX

Open-ASSETS: BORROWER CONTRIBUTION DID NOT MEEET THE MINIMUM OF X%. - Due Diligence Vendor-XX/XX/XXXX

Waived-UW Exception in file for borrower contribution not meeting the minimum X% down payment when LTV exceeds XX%. - Due Diligence Vendor-XX/XX/XXXX

Borrower has been employed in same career for XX years.
XxXX mortgage history for XX months.

Primary Residence

Purchase

7896267

Originator Pre-Close

Yes

XXXX

10151722

Closed

2026-02-24 02:49

2026-03-02 03:53

Resolved

1 - Information

Credit

Missing Doc

Borrower 2 Gap Credit Report is Missing

Resolved-Gap Credit report Missing in file, Provided the same, changes made in system, Finding Resolved
- Due Diligence Vendor-XX/XX/XXXX

Resolved-Borrower X Gap Credit Report is not missing. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX

Open-Borrower X Gap Credit Report is Missing Evidence of Undisclosed Debt Monitoring missing. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXX XXX.XXX

Primary Residence

Purchase

7773901

N/A

XXXX

10151722

Closed

2026-02-24 02:49

2026-03-02 03:53

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 Gap Credit Report is Missing

Resolved-Gap Credit report Missing in file, Provided the same, changes made in system, Finding Resolved
- Due Diligence Vendor-XX/XX/XXXX

Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX

Open-Borrower 1 Gap Credit Report is Missing Evidence of Undisclosed Debt Monitoring missing. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXX XXX.pdf

Primary Residence

Purchase

7773900

N/A

XXXX

10151722

Closed

2026-02-24 02:38

2026-03-02 03:52

Resolved

1 - Information

Credit

Missing Doc

Missing Lender Income Calculation Worksheet

Resolved-Gap Credit report Missing in file, Provided the same, changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX

Resolved-Validation Resolved' - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX

Open-Bank Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX

XXXXXXXX XXXXX XX.pdf

XXXXXXXX XXXXX XXXXXX.pdf

XXXXXXXX XXXXX XXXXXX XXXXXXXXX.pdf

Primary Residence

Purchase

7773809

N/A

XXXX

10151723

Closed

2026-02-13 03:55

2026-02-20 15:18

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 Gap Credit Report is Missing

Resolved-Evidence of Undisclosed Debt Monitoring provided.
- Due Diligence Vendor-XX/XX/XXXX

Resolved-Gap credit report provided. Resolved - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX

Open-Borrower 1 Gap Credit Report is Missing Missing UDM. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Evidence of Undisclosed Debt Monitoring provided.
- Due Diligence Vendor-XX/XX/XXXX

Resolved-Gap credit report provided. Resolved - Due Diligence Vendor-XX/XX/XXXX

XXXX XXX.pdf

Primary Residence

Purchase

7602598

N/A

XXXX

10151725

Closed

2026-02-24 08:03

2026-03-05 03:20

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 Gap Credit Report is Missing

Resolved-Received UDM report, resolved. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX

Open-Borrower 1 Gap Credit Report is Missing Missing UDM report. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Received UDM report, resolved. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXX XXX.pdf

Primary Residence

Refinance

Cash Out - Other

7778648

N/A

XXXX

10151725

Closed

2026-02-24 08:03

2026-03-05 03:20

Resolved

1 - Information

Credit

Missing Doc

Borrower 2 Gap Credit Report is Missing

Resolved-Received UDM report, resolved. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Borrower 2 Gap Credit Report is not missing. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX

Open-Borrower 2 Gap Credit Report is Missing Missing UDM report. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX

Resolved-Received UDM report, resolved. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Borrower 2 Gap Credit Report is not missing. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXX XXX.pdf

Primary Residence

Refinance

Cash Out - Other

7778649

N/A

XXXX

10151725

Closed

2026-02-24 08:01

2026-03-05 03:19

Resolved

1 - Information

Credit

Missing proof of debt payoff(s)

Resolved-Received payoff statement, resolved. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX

Counter-Page uploaded is blank, countered. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX

Open-Missing payoff statement for XXXXX XXXXXXX. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX

Resolved-Received payoff statement, resolved. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXX XXXXXX XXXX.pdf

XXXXXXX XXXXXX XXXXXXXXX.pdf

Primary Residence

Refinance

Cash Out - Other

7778593

N/A

XXXX

10151726

Closed

2026-03-03 03:01

2026-03-10 01:20

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 Business Bank Statements Missing

Resolved-Requested June month business bank statement provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Borrower 1 Business Bank Statements Provided - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX

Open-Borrower 1 Business Bank Statements Missing File is available with months bank statement. Provide XXXX June Month bank statement associated with XXXXXXXX XXXX XX XXXXXX #XXXX. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXX XXXX XXXXXXXXX XXXX.pdf

Primary Residence

Refinance

Cash Out - Other

7889629

N/A

XXXX

10151726

Closed

2026-03-03 03:12

2026-03-10 01:16

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 Gap Credit Report is Missing

Resolved-Evidence of Undisclosed Debt Monitoring provided. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Borrower X Gap Credit Report is not missing. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX

Open-Borrower X Gap Credit Report is Missing Evidence of Undisclosed Debt Monitoring missing. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Evidence of Undisclosed Debt Monitoring provided. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Borrower X Gap Credit Report is not missing. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXX XXX XX.pdf

Primary Residence

Refinance

Cash Out - Other

7889707

N/A

XXXX

10151727

Closed

2026-02-15 07:23

2026-02-20 08:26

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 Gap Credit Report is Missing

Resolved-Borrower X Gap Credit Report is not missing. - Due Diligence Vendor-XX/XX/XXXX

XXXXX XXX_XXX (XX).pdf

Primary Residence

Purchase

7624654

N/A

XXXX

10151728

Closed

2026-02-13 04:02

2026-03-03 06:15

Resolved

1 - Information

Credit

Insurance

Hazard Insurance Coverage Amount is less than Required Coverage Amount

Resolved-RCE provided.  Coverage sufficient.  - Due Diligence Vendor-XX/XX/XXXX

Resolved-Replacement Cost Estimator uploaded, Hazard Insurance Coverage Amount of $XXXXXX is equal to or greater than Required Coverage Amount of $XXXXXX, Verified - Resolved  - Due Diligence Vendor-XX/XX/XXXX

Resolved-Hazard Insurance Coverage Amount of $XXXXXX is equal to or greater than Required Coverage Amount of $XXXXXX or Guaranteed Replacement Coverage is present (Guaranteed Replacement Coverage indicator is 'N/A') - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. I'm not sure i understand. i have HOI and RCE in file. i do not see the verbiage N/A see attached  - Seller-XX/XX/XXXX

Open-Hazard Insurance Coverage Amount of $XXXXXX is less than Required Coverage Amount of $XXXXXX and Guaranteed Replacement Coverage indicator is 'N/A' Require Hazard Insurance to cover Loan amount of $XXX,XXX - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. I'm not sure i understand. i have HOI and RCE in file. i do not see the verbiage N/A see attached - Seller-XX/XX/XXXX

XXXXX XXX.pdf

XXXXX XXX.pdf

Primary Residence

Purchase

7602790

N/A

XXXX

10151728

Closed

2026-02-17 13:25

2026-03-03 06:07

Resolved

1 - Information

Compliance

Missing Doc

The Final 1003 is Incomplete

Resolved-Updated XXXX reflecting Borrower as Married, provided.   - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded.  - Seller-XX/XX/XXXX

Counter-Unable to open Updated XXXX.  Please resend.  - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. The deed and mortgage both reflect “married man”.  The buyers instructions to Escrow reflect that he is married. updated XXXX attached  - Buyer-XX/XX/XXXX

Open-XXXX reflects Borrower as unmarried which does not match DOT/Title which reflect Borrower a s married.  - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX

Resolved-Updated XXXX reflecting Borrower as Married, provided. - Due Diligence Vendor-XX/XX/XXXX

XXXXX XXXX.pdf

XXXXX XXXX.pdf

Primary Residence

Purchase

7662410

N/A

XXXX

10151728

Closed

2026-02-17 14:11

2026-02-25 07:25

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 Gap Credit Report is Missing

Resolved-Evidence of Undisclosed Debt Monitoring provided.  - Due Diligence Vendor-XX/XX/XXXX

Resolved-Borrower X Gap Credit Report is not missing. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded.  - Buyer-XX/XX/XXXX

Open-Borrower X Gap Credit Report is Missing Verification of Undisclosed Debt Monitoring is missing.  - Due Diligence Vendor-XX/XX/XXXX

Resolved-Evidence of Undisclosed Debt Monitoring provided. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Borrower X Gap Credit Report is not missing. - Due Diligence Vendor-XX/XX/XXXX

XXXXX XXX.pdf

Primary Residence

Purchase

7663059

N/A

XXXX

10151728

Closed

2026-02-13 03:33

2026-02-24 02:56

Resolved

1 - Information

Credit

Title

Title Coverage is Less than Subject Lien(s) Total

Resolved-Title Supplemental Report uploaded, Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s), Verified & entered in system - Resolved
- Due Diligence Vendor-XX/XX/XXXX

Resolved-Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. supplement attached - Seller-XX/XX/XXXX

Open-Title Coverage Amount of $X is Less than Loan Amount Preliminary Report does not include any Title Coverage amount. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. supplement attached - Seller-XX/XX/XXXX

XXXXX XXXX.pdf

Primary Residence

Purchase

7602239

N/A

XXXX

10151729

Closed

2026-02-13 05:34

2026-02-17 13:10

Resolved

1 - Information

Compliance

HigherPriced:APR

Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming)

Primary Residence

Purchase

7604678

N/A

XXXX

10151730

Closed

2026-03-03 02:01

2026-03-10 00:08

Resolved

1 - Information

Credit

Income/Employment

Income and Employment Do Not Meet Guidelines

Resolved-invalid Condition as we can verify IRA income from IRA bank statement on page #XX hence condition resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-Income and Employment Meet Guidelines - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-The IRA income that is being used to qualify is documented with the IRA account statement in file. The XX acct #XXXX stmt ending XX/XX/XX has a balance of $XXX,XXX*XX%/XX = $XXXX/month.

Also if needed this income can be removed from the file and the loan still qualifies the DTI is still under XX%.
- XXXXX-XX/XX/XXXX

Open-Income and Employment Do Not Meet Guidelines Retirement income was listed in the XXXX under Income from Other Sources IAO $X,XXX. Documentation is missing. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Primary Residence

Purchase

7889232

N/A

XXXX

10151730

Closed

2026-03-04 08:04

2026-03-09 08:08

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 Gap Credit Report is Missing

Resolved- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. - XXXXX-XX/XX/XXXX

Open-Borrower X Gap Credit Report is Missing Evidence of Undisclosed Debt Monitoring Missing. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

XXXXXX XXX.XXX

Primary Residence

Purchase

7918366

N/A

XXXX

10151734

Closed

2026-03-10 10:09

2026-03-11 11:29

Resolved

1 - Information

Compliance

TRID Tolerance

Insufficient Tolerance Cure (50001028)

Resolved-Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Rescinded- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Rescinded-No variance. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-A Lender Credit for Excess Charges of ($X.XX), Principal Reduction for Excess Charges of ($X.XX), and general or specific lender credit increases of ($XX.XX) were applied to the total fee variance of ($XXX.XX) between the baseline disclosure and the last Closing Disclosure. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Open-A Lender Credit for Excess Charges of ($X.XX), Principal Reduction for Excess Charges of ($X.XX), and general or specific lender credit increases of ($XX.XX) were applied to the total fee variance of ($XXX.XX) between the baseline disclosure and the last Closing Disclosure. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. . - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Rescinded-No variance. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-A Lender Credit for Excess Charges of ($X.XX), Principal Reduction for Excess Charges of ($X.XX), and general or specific lender credit increases of ($XX.XX) were applied to the total fee variance of ($XXX.XX) between the baseline disclosure and the last Closing Disclosure. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

8023691

N/A

XXXX

10151734

Closed

2026-03-10 12:40

2026-03-11 11:29

Resolved

1 - Information

Compliance

Interest:Accrual

XXXX - Interest Rate Accrual Warning (Civ. Code)

Resolved-Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Rescinded-Final CD Finance charge matches. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Rescinded-Under the XXXXXXXXXX XXXXX XXXX, a Lender may not begin to accrue interest on a loan secured by X-X unit dwelling on real property located in XXXXXXXXXX prior to one day before the loan proceeds are disbursed to the Borrower or to the Borrower's designee. (Cal. Civ. Code XXXX.X) Entered correctly. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

8028084

N/A

XXXX

10151734

Closed

2026-03-05 14:12

2026-03-11 10:49

Resolved

1 - Information

Compliance

Tolerance:FinanceCharge

Federal - Finance Charge Disclosure Tolerance (Closed End)

Resolved- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Rescinded- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Rescinded-Final CD Finance charge matches. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Rescinded-The disclosed finance charge ($XXX,XXX.XX) is ($XXX.XX) below the actual finance charge($XXX,XXX.XX). The Xxxxx xx Xxxxxxx Xxx considers the disclosed finance charge inaccurate if it is more than $XXX below the actual finance charge. (XX CFR XXXX.XX(d)(X); OSC XX(c)(X)(ii)-X) Finance Charge matches - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Rescinded-Final CD Finance charge matches. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. XX - No Tolerance Findings - XXXXX-XX/XX/XXXX

Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Open-The disclosed finance charge ($XXX,XXX.XX) is ($XXX.XX) below the actual finance charge($XXX,XXX.XX). The Xxxxx xx Xxxxxxx Xxx considers the disclosed finance charge inaccurate if it is more than $XXX below the actual finance charge. (XX CFR XXXX.XX(d)(X); OSC XX(c)(X)(ii)-X) - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Rescinded-Final CD Finance charge matches. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Rescinded-The disclosed finance charge ($XXX,XXX.XX) is ($XXX.XX) below the actual finance charge($XXX,XXX.XX). The Xxxxx xx Xxxxxxx Xxx considers the disclosed finance charge inaccurate if it is more than $XXX below the actual finance charge. (XX CFR XXXX.XX(d)(X); OSC XX(c)(X)(ii)-X) Finance Charge matches - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

XXXX XX - XX XXXXXXXXX XXXXXXXX.XXX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

7952968

N/A

XXXX

10151734

Closed

2026-03-05 14:12

2026-03-11 10:49

Resolved

1 - Information

Compliance

Tolerance:FinanceCharge

Federal - Foreclosure Rescission Finance Charge Tolerance

Resolved- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Rescinded- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Rescinded-Final CD Finance charge matches. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Rescinded-The disclosed finance charge ($XXX,XXX.XX) is ($XXX.XX) below the actual finance charge ($XXX,XXX.XX). For rescission after initiation of foreclosure, the Xxxxx xx Xxxxxxx Xxx considers the disclosed finance charge inaccurate if it is more than $XX below the actual finance charge. (XX USC Sec. XXXX(i)(X); OSC XX(c)(X)(ii)-X) Finance charge matches. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Open-Finance charge in Final CD matches. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. XX - No Tolerance Findings - XXXXX-XX/XX/XXXX

Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Open-The disclosed finance charge ($XXX,XXX.XX) is ($XXX.XX) below the actual finance charge ($XXX,XXX.XX). For rescission after initiation of foreclosure, the Xxxxx xx Xxxxxxx Xxx considers the disclosed finance charge inaccurate if it is more than $XX below the actual finance charge. (XX USC Sec. XXXX(i)(X); OSC XX(c)(X)(ii)-X) - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Rescinded-Final CD Finance charge matches. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Rescinded-The disclosed finance charge ($XXX,XXX.XX) is ($XXX.XX) below the actual finance charge ($XXX,XXX.XX). For rescission after initiation of foreclosure, the Xxxxx xx Xxxxxxx Xxx considers the disclosed finance charge inaccurate if it is more than $XX below the actual finance charge. (XX USC Sec. XXXX(i)(X); OSC XX(c)(X)(ii)-X) Finance charge matches. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

XXXX XX - XX XXXXXXXXX XXXXXXXX.XXX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

7952969

N/A

XXXX

10151734

Closed

2026-03-10 12:40

2026-03-10 13:38

Resolved

1 - Information

Compliance

Tolerance:Disclosure

Federal - Inaccurate APR Redisclosure and Waiting Period (Over-Disclosure)

Resolved-APR is correct. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Rescinded-The (XXXXXX.XX%) disclosed APR exceeds the actual APR of (X.XXX%) by more than .XXX%. The ($XXX,XXX.XX) disclosed finance charge does not exceed the actual finance charge of ($XXX,XXX.XX); so the overdisclosed APR is not based upon an overdisclosed finance charge amount. Under Xxxxxxxxxx X, if the APR is inaccurate, a consumer must receive a corrected Closing Disclosure no later than X business days before consummation. If a corrected Closing Disclosure is delivered to a consumer other than in person, a consumer is deemed to have received it X business days after it is mailed or delivered. (XX CFR XXXX.XX(f); XXXX.XX; XXXX.XX(f); XXXX.XX(a)(X); OSC XX(c)(X)(ii)-X) APR entered correctly. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-APR is correct. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Rescinded-The (XXXXXX.XX%) disclosed APR exceeds the actual APR of (X.XXX%) by more than .XXX%. The ($XXX,XXX.XX) disclosed finance charge does not exceed the actual finance charge of ($XXX,XXX.XX); so the overdisclosed APR is not based upon an overdisclosed finance charge amount. Under Xxxxxxxxxx X, if the APR is inaccurate, a consumer must receive a corrected Closing Disclosure no later than X business days before consummation. If a corrected Closing Disclosure is delivered to a consumer other than in person, a consumer is deemed to have received it X business days after it is mailed or delivered. (XX CFR XXXX.XX(f); XXXX.XX; XXXX.XX(f); XXXX.XX(a)(X); OSC XX(c)(X)(ii)-X) APR entered correctly. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

8028085

N/A

XXXX

10151734

Closed

2026-03-10 12:40

2026-03-10 13:38

Resolved

1 - Information

Compliance

Mavent

Tolerance: Disclosure

Resolved- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX

Open- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX

Rescinded-The Prior CDX sent on (XXXX-XX-XX) was received at least X business days before closing. The Last CD sent on (XXXX-XX-XX) was not received at least X business days before closing. The Last CD (XXXXXX.XX%) APR is inaccurate when compared to the Prior CDX (X.XXX%) APR. If the APR is inaccurate, a consumer must receive corrected a CD no later than (XXXXXXXX), which is X business days before the (XXXX-XX-XX) Consummation Date. If a corrected CD is not provided in person, a consumer is deemed to have received it X business days after the corrected CD is mailed or delivered, unless there is evidence of earlier receipt. The APR on the CD received at closing must be accurate when compared to the APR on the CD received at least X business days before closing and the actual APR. (XX CFR XXXX.XX(f)(X)(ii)(A); OSC XX(f)(X)(ii)-X) entered correctly. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX

Open- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX

Rescinded-The Prior CDX sent on (XXXX-XX-XX) was received at least X business days before closing. The Last CD sent on (XXXX-XX-XX) was not received at least X business days before closing. The Last CD (XXXXXX.XX%) APR is inaccurate when compared to the Prior CDX (X.XXX%) APR. If the APR is inaccurate, a consumer must receive corrected a CD no later than (XXXXXXXX), which is X business days before the (XXXX-XX-XX) Consummation Date. If a corrected CD is not provided in person, a consumer is deemed to have received it X business days after the corrected CD is mailed or delivered, unless there is evidence of earlier receipt. The APR on the CD received at closing must be accurate when compared to the APR on the CD received at least X business days before closing and the actual APR. (XX CFR XXXX.XX(f)(X)(ii)(A); OSC XX(f)(X)(ii)-X) entered correctly. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

8028086

N/A

XXXX

10151734

Closed

2026-03-05 14:12

2026-03-10 12:42

Resolved

1 - Information

Compliance

Rescission:Disbursement

Federal - Right of Rescission (Loan Disbursement Violation) (TILA)

Resolved-Was sent correclty. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX

Open-PCCD and Final settlement updated. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX

Open- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX

Open- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX

Open- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX

Open- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX

Open- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX

Open- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX

Open- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX

Open- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. - XXXXX-XX/XX/XXXX

Open- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX

Open- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX

Open-The loan disbursement date (XXXX-XX-XX) is earlier than, or the same day as, the calculated "Right to Cancel Expire Date" (XXXX-XX-XX). Under Regulation Z, funds may not be disbursed to the borrower until after the expiration of the rescission period. (Reg Z, XX CFR XXXX.XX(c) and Official Staff Commentary) - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX

Open- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX

Open- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX

Open- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-Was sent correclty. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX

XXXX XXXXX XXXXXXXXXX XXXX.pdf

XXXX XXXX.pdf

Primary Residence

Refinance

No Cash Out - Borrower Initiated

7952971

N/A

XXXX

10151734

Closed

2026-02-22 06:12

2026-03-10 09:57

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 Gap Credit Report is Missing

Resolved-Gap Credit is Missing in file, Provide the same, changes made in system, Finding Resolved - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-Borrower X Gap Credit Report is not missing. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. - XXXXX-XX/XX/XXXX

Open-Borrower X Gap Credit Report is Missing Evidence of Undisclosed Debt Monitoring missing. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX

XXXX XXX.pdf

Primary Residence

Refinance

No Cash Out - Borrower Initiated

7741323

N/A

XXXX

10151734

Closed

2026-03-03 11:34

2026-03-03 11:36

Waived

2 - Non-Material

Property

Property Type does not meet eligibility requirement(s)

Waived-PROPERTY: OTHER UNPERMITTED ADU - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX

Borrower has been employed at current job for X years.
XX.XX% LTV is below the maximum XX% LTV by XX.XX%.

Primary Residence

Refinance

No Cash Out - Borrower Initiated

7901275

Originator Pre-Close

Yes

XXXX

10151734

Closed

2026-03-05 14:12

2026-03-05 15:16

Resolved

1 - Information

Compliance

Rescission:Variance

Federal - Right of Rescission Variance Failure (TILA)

Resolved-Rescission date is X/XX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX

Open- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX

Open- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-Rescission date is X/XX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

7952970

N/A

XXXX

10151735

Closed

2026-03-06 07:16

2026-03-06 07:21

Resolved

1 - Information

Compliance

TRID Tolerance

Insufficient Change of Circumstance (50001252)

Resolved-Resolved - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX

Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Doc Tax Stamps/Transfer Taxes – City/County. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (XX CFR XXXX.XX(e)(X); XX CFR XXXX.XX(e)(X); XX CFR XXXX.XX(f)(X)(v)). - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX

Open- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-Resolved - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

7970067

N/A

XXXX

10151736

Closed

2026-02-21 12:47

2026-03-05 03:56

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 Gap Credit Report is Missing

Resolved-Evidence of Undisclosed Debt Monitoring provided, resolved. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-UDM Report uploaded, Verified & entered in system - Resolved
- XXX XXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-Borrower X Gap Credit Report is not missing. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. - XXXXX-XX/XX/XXXX

Open-Borrower X Gap Credit Report is Missing Undisclosed debt monitoring is missing in file. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX

XXX XXX.pdf

Investment

Purchase

7739467

N/A

XXXX

10151736

Closed

2026-02-21 12:42

2026-03-05 00:46

Resolved

1 - Information

Credit

Missing Doc

Missing Lender Income Calculation Worksheet

Resolved-Lender Income Calculation Worksheet uploaded, Verified & entered in system - Resolved
- XXX XXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-Validation Resolved' - XXX XXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX

Open-Bank Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. Base income lender income calculation worksheet is missing in file. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-Lender Income Calculation Worksheet uploaded, Verified & entered in system - Resolved
- XXX XXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-Validation Resolved' - XXX XXXXXXXX XXXXXX-XX/XX/XXXX

XXXXXXXXXXXXXXX

Investment

Purchase

7739458

N/A

XXXX

10151737

Closed

2026-03-03 22:11

2026-03-09 03:08

Resolved

1 - Information

Credit

Missing Doc

Borrower 2 Gap Credit Report is Missing

Resolved-Evidence of Undisclosed Debt Monitoring provided, resolved. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-Borrower X Gap Credit Report is not missing. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX

Open-Borrower X Gap Credit Report is Missing Evidence of Undisclosed Debt Monitoring is missing. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-Evidence of Undisclosed Debt Monitoring provided, resolved. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-Borrower X Gap Credit Report is not missing. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX

XXXXXXXXXXXXXXXXXXXXX

Primary Residence

Refinance

Cash Out - Other

7911538

N/A

XXXX

10151737

Closed

2026-03-03 22:11

2026-03-09 03:08

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 Gap Credit Report is Missing

Resolved-Evidence of Undisclosed Debt Monitoring provided, resolved. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-Borrower X Gap Credit Report is not missing. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX

XXXXXXXXXXXXXXXXXXXXX

Primary Residence

Refinance

Cash Out - Other

7911537

N/A

XXXX

10151737

Closed

2026-03-04 04:05

2026-03-05 05:25

Waived

2 - Non-Material

Credit

Income/Employment

Income and Employment Do Not Meet Guidelines

Waived-Income and Employment Do Not Meet Guidelines Client elects to waive with the following compensating factors:
As per Exception Page # XXX INCOME: NSF LIMITS BORROWER HAS XX NSF'S, MAX IS X FOR THE
NCOME: NSF LIMITS - BORROWER HAS XX NSF'S, MAX IS X FOR THE - XXX XXXXXXXX XXXXXX-XX/XX/XXXX

XX.XX% LTV is below the maximum XX% LTV by XX.XX%.
XX.XX% DTI is below the maximum XX% DTI by XX.XX%.
Borrower has been employed at current job for XX years.
$XXX,XXX reserves exceed the minimum required of $XX,XXX exceeds the minimum by X months over the required minimum.
XxXX mortgage history for XX months.

Primary Residence

Refinance

Cash Out - Other

7913476

Originator Pre-Close

Yes

XXXX

10151738

Closed

2026-03-02 03:26

2026-03-06 11:42

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 Gap Credit Report is Missing

Resolved-Evidence of Undisclosed Debt Monitoring provided.  - XXX XXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-UDM Report uploaded, Verified & entered in system - Resolved
- XXX XXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-Borrower X Gap Credit Report is not missing. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded.  - Seller-XX/XX/XXXX

Open-Borrower X Gap Credit Report is Missing Evidence of Undisclosed Debt Monitoring is missing.  - XXX XXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX

XXXXXXXXXXXXX

Primary Residence

Purchase

7866383

N/A

XXXX

10151738

Closed

2026-03-02 03:38

2026-03-06 11:39

Resolved

1 - Information

Credit

Insurance

Master Policy Expiration Date is Prior To the Transaction Date

Resolved-Current master Policy provided. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-Master Policy Expiration date is prior to note date, provided updated master policy, changes made in system, Finding Resolved - XXX XXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-Master Policy Expiration Date of XX-XX-XXXX is Equal to or After the Transaction Date of XX-XX-XXXX Or Master Policy Expiration Date Is Not Provided - XXX XXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX

Open-Master Policy Expiration Date of XX-XX-XXXX is Prior To the Transaction Date of XX-XX-XXXX Provided HOA Master Policy, pXXX, is expired. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX

XXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX

Primary Residence

Purchase

7866438

N/A

XXXX

10151738

Closed

2026-03-02 10:07

2026-03-05 06:36

Resolved

1 - Information

Credit

Title

Title Coverage is Less than Subject Lien(s) Total

Resolved-Final Title Policy provided. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s) - XXX XXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX

Open-Title Coverage Amount of $X is Less than Loan Amount Preliminary report missing Title Policy coverage amount. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX

XXXXXXXXXXXXXXXXXXXXXXXX

Primary Residence

Purchase

7875715

N/A

XXXX

10151738

Closed

2026-03-02 04:28

2026-03-06 11:44

Resolved

1 - Information

Compliance

HigherPriced:APR

Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming)

Resolved-This loan passes HPML guidelines and is a HPML Compliant loan. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-This loan passes HPML guidelines and is a HPML Compliant loan. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(i)) This loan passes HPML guidelines and is a HPML Compliant loan. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-This loan passes HPML guidelines and is a HPML Compliant loan. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-This loan passes HPML guidelines and is a HPML Compliant loan. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(i)) This loan passes HPML guidelines and is a HPML Compliant loan. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Primary Residence

Purchase

7866729

N/A

XXXX

10151740

Closed

2026-02-18 22:20

2026-03-04 14:35

Resolved

1 - Information

Credit

Missing Doc

HO6 Master Insurance Policy is Missing

Resolved-HO-6 Master Insurance Policy is fully present - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-no master policy. this is a PUD like condo...no association - XXXXXX-XX/XX/XXXX

Open-Missing HO-6 Master Insurance Policy Provide HO-6 Master Insurance Policy for the subject property. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-no master policy. this is a PUD like condo...no association - XXXXXX-XX/XX/XXXX

Resolved-HO-6 Master Insurance Policy is fully present - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Primary Residence

Purchase

7690407

N/A

XXXX

10151740

Closed

2026-02-18 21:58

2026-03-02 23:06

Resolved

1 - Information

Credit

Missing Doc

Borrower 2 Gap Credit Report is Missing

Resolved-Requested UDM in lieu of gap credit report provided, updated & condition resolved.
- XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-Borrower 2 Gap Credit Report is not missing. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. - XXXXX-XX/XX/XXXX

Open-Borrower 2 Gap Credit Report is Missing Provide evidence of Undisclosed Debt Monitoring. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

XXXXXXXXX XXX.XXX

Primary Residence

Purchase

7690279

N/A

XXXX

10151740

Closed

2026-02-18 21:58

2026-03-02 23:06

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 Gap Credit Report is Missing

Resolved-Requested UDM in lieu of gap credit report provided, updated & condition resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-Borrower 1 Gap Credit Report is not missing. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. - XXXXX-XX/XX/XXXX

Open-Borrower 1 Gap Credit Report is Missing Provide evidence of Undisclosed Debt Monitoring. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

XXXXXXXXX XXX.XXX

XXXXXXXXX XXX.XXX

Primary Residence

Purchase

7690278

N/A

XXXX

10151746

Closed

2026-02-22 08:28

2026-03-03 15:02

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 Gap Credit Report is Missing

Resolved-Evidence of Undisclosed Debt Monitoring provided. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-Requested UDM in lieu of gap credit report provided, updated & condition resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-Borrower 1 Gap Credit Report is not missing. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. - XXXXX-XX/XX/XXXX

Open-Borrower 1 Gap Credit Report is Missing Provide the Undisclosed Debt Monitoring or Undisclosed Debt Verification.
- XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

XXXXX XXX.XXX

Primary Residence

Purchase

7741596

N/A

XXXX

10151747

Closed

2026-02-12 06:25

2026-02-23 04:12

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 Gap Credit Report is Missing

Resolved-Requested UDM in lieu of gap credit report provided, updated & condition resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-Borrower 1 Gap Credit Report is not missing. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. - XXXXX-XX/XX/XXXX

Open-Borrower 1 Gap Credit Report is Missing Missing UDM report. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

XXXXXXXXX XXX.XXX

Investment

Refinance

Cash Out - Other

7580276

N/A

XXXX

10151748

Closed

2026-02-21 22:23

2026-02-27 09:38

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 Gap Credit Report is Missing

Resolved-Document clears the condition. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. - XXXXX-XX/XX/XXXX

Open-Borrower 1 Gap Credit Report is Missing Provide the Undisclosed Debt Monitoring. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-Document clears the condition. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

XXXXXX XXX.XXX

Primary Residence

Purchase

7740589

N/A

XXXX

10151749

Closed

2026-02-10 20:55

2026-02-24 03:08

Resolved

1 - Information

Credit

Missing Doc

HO6 Master Insurance Policy is Missing

Resolved-HO6 Master Insurance Policy uploaded, Verified & entered in system - Resolved
- Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX

Open-Missing HO-X Master Insurance Policy Provide HO-X Master Insurance Policy. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX

Resolved-HO6 Master Insurance Policy uploaded, Verified & entered in system - Resolved
- Due Diligence Vendor-XX/XX/XXXX

XXXXXX XXX.XXX

Investment

Purchase

7551854

N/A

XXXX

10151749

Closed

2026-02-10 06:38

2026-02-24 03:07

Resolved

1 - Information

Credit

Missing Doc

Missing Lender Income Calculation Worksheet

Resolved-Lender Income Calculation Worksheet uploaded, Verified & entered in system - Resolved
- Due Diligence Vendor-XX/XX/XXXX

Resolved-Validation Resolved' - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX

Open-Bank Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. Provide Income Calculator. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Lender Income Calculation Worksheet uploaded, Verified & entered in system - Resolved
- Due Diligence Vendor-XX/XX/XXXX

Resolved-Validation Resolved' - Due Diligence Vendor-XX/XX/XXXX

XXXXXX XXXXXX XXXX XXXXX.XXX

Investment

Purchase

7533742

N/A

XXXX

10151749

Closed

2026-02-10 07:05

2026-02-24 03:07

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 Gap Credit Report is Missing

Resolved-UDN Report uploaded, Verified & entered in system - Resolved
- Due Diligence Vendor-XX/XX/XXXX

Resolved-Borrower X Gap Credit Report is not missing. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX

Open-Borrower X Gap Credit Report is Missing Provide evidence of Undisclosed Debt Monitoring. - Due Diligence Vendor-XX/XX/XXXX

Resolved-UDN Report uploaded, Verified & entered in system - Resolved
- Due Diligence Vendor-XX/XX/XXXX

Resolved-Borrower X Gap Credit Report is not missing. - Due Diligence Vendor-XX/XX/XXXX

XXXXXX XXX.XXX

Investment

Purchase

7534407

N/A

XXXX

10151749

Closed

2026-02-13 02:40

2026-02-17 10:13

Waived

2 - Non-Material

Credit

Eligibility

Loan does not conform to program guidelines

Waived-Loan does not conform to program guidelines Underwriting exception on the page #XXX:
Income: Number of REO's - Number of REO's exceeds X(Own X)
Property - Non warrantable Condo-Investor - Due Diligence Vendor-XX/XX/XXXX

Client elects to waive with the following compensating factors:
Borrower(s) have XX.XX months Reserves. Minimum required per guidelines is X months.
Borrower Housing History is XX30, XX months. Housing History required per guidelines is XX30, XX months.
Borrower credit score is X points over the required XXX score.

Investment

Purchase

7601782

Originator Pre-Close

Yes

XXXX

10151753

Closed

2026-02-20 06:30

2026-03-10 11:29

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 Gap Credit Report is Missing

Resolved-Evidence of Undisclosed Debt Monitoring provided, resolved. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Received UDM report, resolved. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Borrower X Gap Credit Report is not missing. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX

Open-Borrower X Gap Credit Report is Missing Missing UDM report. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX

XXXXX XXX.XXX

Primary Residence

Refinance

Cash Out - Other

7717668

N/A

XXXX

10151753

Closed

2026-02-20 06:44

2026-03-10 11:28

Resolved

1 - Information

Credit

Title

Title Coverage is Less than Subject Lien(s) Total

Resolved-Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s) Final title policy provided, resolved. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX

Open-Title Coverage Amount of $X is Less than Loan Amount Preliminary title commitment does not include an insured amount. Insured amount should be equal to or exceed the loan amount. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX

Resolved-Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s) Final title policy provided, resolved. - Due Diligence Vendor-XX/XX/XXXX

XXXXX XXXXX XXXXXX.XXX

Primary Residence

Refinance

Cash Out - Other

7718038

N/A

XXXX

10151753

Closed

2026-02-17 04:31

2026-02-24 13:15

Resolved

1 - Information

Compliance

Missing Doc

The Final 1003 is Missing

Resolved-Received final XXXX, resolved. - Due Diligence Vendor-XX/XX/XXXX

Resolved-The Final XXXX is Present - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX

Open-The Final XXXX is Missing Final XXXX is Missing in the file. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Received final XXXX, resolved. - Due Diligence Vendor-XX/XX/XXXX

Resolved-The Final XXXX is Present - Due Diligence Vendor-XX/XX/XXXX

XXXXX XXXXX XXXX.XXX

Primary Residence

Refinance

Cash Out - Other

7647346

N/A

XXXX

10151754

Closed

2026-02-22 01:03

2026-03-03 08:36

Resolved

1 - Information

Credit

Missing Doc

Borrower 2 Gap Credit Report is Missing

Resolved-Undisclosed Debt verification received. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-Borrower X Gap Credit Report is not missing. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. - XXXXX-XX/XX/XXXX

Open-Evidence of Undisclosed Debt Monitoring absent from the file. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Open-Borrower X Gap Credit Report is Missing File is missing with evidence of Undisclosed Debt Monitoring. Provide evidence of Undisclosed Debt Monitoring - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-Undisclosed Debt verification received. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-Borrower X Gap Credit Report is not missing. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

XXXXXXX XXX.pdf

Second Home

Refinance

Cash Out - Other

7740856

N/A

XXXX

10151754

Closed

2026-02-22 01:03

2026-03-03 08:36

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 Gap Credit Report is Missing

Resolved-Borrower X Gap Credit Report is not missing. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-Undisclosed Debt verification received. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. - XXXXX-XX/XX/XXXX

Open-Evidence of Undisclosed Debt Monitoring absent from the file. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Open-Borrower X Gap Credit Report is Missing File is missing with evidence of Undisclosed Debt Monitoring. Provide evidence of Undisclosed Debt Monitoring - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-Borrower X Gap Credit Report is not missing. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-Undisclosed Debt verification received. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

XXXXXXX XXX.pdf

Second Home

Refinance

Cash Out - Other

7740855

N/A

XXXX

10151756

Closed

2026-02-17 02:41

2026-03-13 10:20

Waived

2 - Non-Material

Credit

Eligibility

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

Waived-Client elects to waive with the following compensating factors: - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Waived-Client elects to waive with the following compensating factors: - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Open-Audited Reserves of  month(s) are less than Guideline Required Reserves of X month(s) - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded.  - XXXXXX-XX/XX/XXXX

Open-Audited Reserves of  month(s) are less than Guideline Required Reserves of X month(s) Audited Reserves of X.XX month(s) are less than Guideline Required Reserves of X months
Exception in file for reserves however not complete. States Reserves coming from and is cut off. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX

XXXXX XXXXXXXXX XXXXXXXX.pdf

XX.XX% LTV is below the maximum XX% LTV by XX.XX%.
Borrower has been employed at current job for X.XX years.
Borrower has been employed in same career for XX years.

Primary Residence

Purchase

7645907

Investor Post-Close

XXXX

10151756

Closed

2026-02-19 09:12

2026-03-03 03:18

Resolved

1 - Information

Credit

Assets

Asset 1 Does Not Meet Guideline Requirements

Resolved-Asset Record X Meets G/L Requirements Received proof of funds at closing. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-Asset Record X Meets G/L Requirements Received proof of wired gift funds, resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. - XXXXX-XX/XX/XXXX

Open-Asset Record X Does Not Meet G/L Requirements Missing proof of gift funds and proof wired to closing. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

XXXXX XXXX XXXX.pdf

Primary Residence

Purchase

7699455

N/A

XXXX

10151756

Closed

2026-02-17 01:24

2026-02-23 05:16

Resolved

1 - Information

Credit

Missing Doc

1008 Document is Missing

Resolved-Received XXXX, resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-The XXXX document is present in the loan file. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX

Open-The XXXX document is missing from the loan file. The XXXX document is missing from file. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX

Resolved-Received XXXX, resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-The XXXX document is present in the loan file. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

XXXXX XXXX.pdf

Primary Residence

Purchase

7645586

N/A

XXXX

10151756

Closed

2026-02-17 01:44

2026-02-23 04:45

Resolved

1 - Information

Credit

Missing Doc

Missing Lender Income Calculation Worksheet

Resolved-Requested income calculation sheet with correct income provided, updated & condition resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-Validation Resolved' - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX

Open-Bank Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. Bank Statement Summary Lender Worksheet missing from file. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX

XXXXX XXXXXXXXX.pdf

Primary Residence

Purchase

7645636

N/A

XXXX

10151756

Closed

2026-02-17 02:14

2026-02-23 04:37

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 Gap Credit Report is Missing

Resolved-Requested UDM in lieu of gap credit report provided, updated & condition resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-Borrower X Gap Credit Report is not missing. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. - XXXXX-XX/XX/XXXX

Open-Borrower X Gap Credit Report is Missing Missing UDM report. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

XXXXX XXX.pdf

Primary Residence

Purchase

7645751

N/A

XXXX

10151757

Closed

2026-03-11 07:54

2026-03-11 09:07

Resolved

1 - Information

Compliance

TRID Tolerance

Lender Credits That Cannot Decrease Test (50001262)

Resolved-Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Open-The baseline amount of non-specific (lump sum) lender credits and specific lender credits disclosed is ($X,XXX.XX). The Last CD shows a total lender credit amount of ($X.XX). The following fees "lender credits" have decreased below their baseline amounts (General Lender Credit). Non-specific lender credits are generalized payments that do not pay for a particular fee. Specific lender credits are specific payments to pay for a specific fee. The total amount of non-specific and specific lender credits cannot decrease unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3)(i) and comments 19(e)(3)(i)-5 and -6; 12 CFR 1026.19(f)(2)(v); 12 CFR 1026.37(g)(6); 12 CFR 1026.38(h)). - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Primary Residence

Purchase

8044267

N/A

XXXX

10151757

Closed

2026-03-11 07:54

2026-03-11 08:34

Resolved

1 - Information

Compliance

TRID Tolerance

Insufficient Change of Circumstance (50001252)

Resolved- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Points - Loan Discount Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Primary Residence

Purchase

8044270

N/A

XXXX

10151757

Closed

2026-02-22 10:22

2026-03-10 03:45

Resolved

1 - Information

Credit

Eligibility

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

Resolved-PCCD provided, resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-Audited Reserves of XX.XX month(s) are greater than or equal to XXXXXXXXX Required Reserves of X month(s) - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-There are shortage of funds -$XX,XXX.X, and proof for Gift is missing in file, Asked for same, PCCD provided, changes made in system, Finding Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-Audited Reserves of XX.XX month(s) are greater than or equal to XXXXXXXXX Required Reserves of X month(s) - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX

Open-Audited Reserves of month(s) are less than XXXXXXXXX Required Reserves of X month(s) Final CD does not show the gift amount of $XXX,XXX.XX coming from Giftor on XX/XX/XXXX. Borrower is not contributing X% of funds for down payment due to the giftor also paying the EMD of $XX,XXX.XX Need proof of gift finds and proof the borrower is contributing X% per the guidelines. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX

XXXXXXX XXXX.xxx

Primary Residence

Purchase

7741859

N/A

XXXX

10151757

Closed

2026-02-25 09:24

2026-03-10 03:41

Resolved

1 - Information

Credit

Doc Issue

Missing proof of hazard insurance

Resolved-1008 provided showing corrected HOI amount and that the file does not require additional insurance, resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX

Counter-Missing additional insurance for $X,XXX annually/XXX.XX monthly per 1008, countered - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX

Open-Provided XXXX Fair Plan for X,XXX annually/XXX monthly however 1008 shows Hazard insurance monthly payment as XXX.XX for a difference of XXX.XX monthly. Provide additional hazard insurance. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX

Resolved-1008 provided showing corrected HOI amount and that the file does not require additional insurance, resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

XXXXXXX XXX.xxx

XXXXXXX XXXX.xxx

Primary Residence

Purchase

7801229

N/A

XXXX

10151757

Closed

2026-02-22 09:09

2026-03-04 04:33

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 Gap Credit Report is Missing

Resolved-Gap Credit is Missing in file, Provide the same, changes made in system, Finding Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-Borrower X Gap Credit Report is not missing. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX

Open-Borrower X Gap Credit Report is Missing UDM report is missing in file. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX

XXXXXXX XXX.xxx

Primary Residence

Purchase

7741640

N/A

XXXX

10151757

Closed

2026-02-22 10:33

2026-02-25 09:21

Waived

2 - Non-Material

Property

Appraisal

Property/Appraisal General

Waived-Client elects to waive with the following compensating factors:
Exception page #XXX is made for Non Warrantable Condo-Stability of HOA. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

LTV is XX.XX%. Maximum allowed per guidelines is XX%.
Qualifying Total Debt Income Ratio XX.XX, Maximum allowed per guidelines XX%
Qualifying FICO XXX, Minimum required XXX
Same job since 28 years and 3 months.

Primary Residence

Purchase

7741911

Originator Pre-Close

Yes

XXXX

10151760

Closed

2026-02-19 10:32

2026-02-23 05:43

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 Gap Credit Report is Missing

Resolved-Received UDM report, resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-Borrower X Gap Credit Report is not missing. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX

Open-Borrower X Gap Credit Report is Missing Missing UDM report. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-Received UDM report, resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-Borrower X Gap Credit Report is not missing. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

XXX XXX.xxx

Primary Residence

Purchase

7702279

N/A

XXXX

10151760

Closed

2026-02-15 02:30

2026-02-23 05:42

Resolved

1 - Information

Credit

Missing Doc

1008 Document is Missing

Resolved-Received 1008, resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-The 1008 document is present in the loan file. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX

Open-The 1008 document is missing from the loan file. 1008 document is missing from the loan file. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-Received 1008, resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-The 1008 document is present in the loan file. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

XXX XXXX.XXX

Primary Residence

Purchase

7624211

N/A

XXXX

10151763

Closed

2026-03-01 21:55

2026-03-04 04:08

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 Gap Credit Report is Missing

Resolved-Gap Credit is Missing in file, Provide the same, changes made in system, Finding Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-Borrower 1 Gap Credit Report is not missing. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX

Open-Borrower 1 Gap Credit Report is Missing Evidence of Undisclosed Debt Monitoring missing. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

XXXXXXX XXX.XXX

Primary Residence

Refinance

Cash Out - Other

7864898

N/A

XXXX

10151765

Closed

2026-03-03 13:24

2026-03-09 08:10

Resolved

1 - Information

Credit

Missing Doc

Borrower 2 Gap Credit Report is Missing

Resolved- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX

Open-Borrower 2 Gap Credit Report is Missing Evidence of Undisclosed Debt Monitoring missing. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

XXXXXXXXX XXX.XXX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

7904667

N/A

XXXX

10151765

Closed

2026-03-03 13:24

2026-03-09 08:09

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 Gap Credit Report is Missing

Resolved- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX

Open-Borrower 1 Gap Credit Report is Missing Evidence of Undisclosed Debt Monitoring missing. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

XXXXXXXXX XXX.XXX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

7904666

N/A

XXXX

10151765

Closed

2026-03-02 21:03

2026-03-09 05:10

Resolved

1 - Information

Credit

Insurance

Hazard Insurance Coverage Amount is less than Required Coverage Amount

Resolved-Replacement Cost Estimator uploaded, Hazard Insurance Coverage Amount of $XXXXXX is equal to or greater than Required Coverage Amount of $XXXXXX, Verified - Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-Hazard Insurance Coverage Amount of $XXXXXX is equal to or greater than Required Coverage Amount of $XXXXXX or Guaranteed Replacement Coverage is present (Guaranteed Replacement Coverage indicator is 'N/A') - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. please clarify...insured amount does no need to match RCE - Buyer-XX/XX/XXXX

Open-Hazard Insurance Coverage Amount of $XXXXXX is less than Required Coverage Amount of $XXXXXX and Guaranteed Replacement Coverage indicator is 'N/A' Hazard Insurance Coverage Amount of $XXXXXX is less than Required Coverage Amount of $XXXXXX - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

XXXXXXXXX XXX.XXX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

7886477

N/A

XXXX

10151766

Closed

2026-03-01 22:08

2026-03-04 07:59

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 Gap Credit Report is Missing

Resolved-Evidence of Undisclosed Debt Monitoring provided.  - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-Gap Credit is Missing in file, Provide the same, changes made in system, Finding Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-Borrower 1 Gap Credit Report is not missing. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded.  - Seller-XX/XX/XXXX

Open-Borrower 1 Gap Credit Report is Missing Evidence of Undisclosed Debt Monitoring Missing    - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX

XXXXXX XXX.XXX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

7864965

N/A

XXXX

10151766

Closed

2026-03-02 08:12

2026-03-04 07:00

Resolved

1 - Information

Credit

Title

Title Coverage is Less than Subject Lien(s) Total

Resolved-Supplemental report provides sufficient coverage.  - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s) - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded.  - Seller-XX/XX/XXXX

Open-Title Coverage Amount of $X is Less than Loan Amount Preliminary Title missing coverage amount.  - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX

XXXXXX XXXXXXXXXX.XXX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

7871942

N/A

XXXX

10151766

Closed

2026-03-02 07:50

2026-03-04 06:59

Resolved

1 - Information

Credit

Eligibility

Ineligible Housing History per program guidelines

Resolved-Housing History Meets XXXXXXXXX Requirements - Due Diligence Vendor-XX/XX/XXXX

Resolved-Housing History provided.  - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Housing History Does Not Meet XXXXXXXXX Requirements   - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded.  - Seller-XX/XX/XXXX

Open-Housing History Does Not Meet XXXXXXXXX Requirements Payment History for XXXXX XXXXXX Mortgage missing.  - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX

Resolved-Housing History Meets XXXXXXXXX Requirements - Due Diligence Vendor-XX/XX/XXXX

Resolved-Housing History provided. - Due Diligence Vendor-XX/XX/XXXX

XXXXXX Housing History.pdf

Primary Residence

Refinance

No Cash Out - Borrower Initiated

7871382

N/A

XXXX

10151767

Closed

2026-03-02 21:29

2026-03-09 07:01

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 Gap Credit Report is Missing

Resolved-Evidence of Undisclosed Debt Monitoring provided. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Evidence of Undisclosed Debt Monitoring provided and the finding resolved. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Borrower X Gap Credit Report is not missing. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX

Open-Borrower X Gap Credit Report is Missing Evidence of Undisclosed Debt Monitoring missing. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXX UDN.pdf

Primary Residence

Refinance

Cash Out - Other

7886958

N/A

XXXX

10151767

Closed

2026-03-02 21:29

2026-03-09 07:00

Resolved

1 - Information

Credit

Missing Doc

Borrower 2 Gap Credit Report is Missing

XXXXXXX UDN.pdf

Primary Residence

Refinance

Cash Out - Other

7886959

N/A

XXXX

10151767

Closed

2026-03-02 20:54

2026-03-09 06:52

Resolved

1 - Information

Credit

Missing Doc

Missing Lender Income Calculation Worksheet

Resolved-Lender Income Calculation Worksheet uploaded, Verified & entered in system - Resolved
- Due Diligence Vendor-XX/XX/XXXX

Resolved-Validation Resolved' - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX

Open-Bank Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. Borrower X Lender wage income Calculator is Missing & Borrower X Bank Statement Summary Lender Worksheet is missing from file. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX

Resolved-Lender Income Calculation Worksheet uploaded, Verified & entered in system - Resolved
- Due Diligence Vendor-XX/XX/XXXX

Resolved-Validation Resolved' - Due Diligence Vendor-XX/XX/XXXX

XXXXXXX BBS income calc.pdf

XXXXXXX XXXX income calc.pdf

Primary Residence

Refinance

Cash Out - Other

7886453

N/A

XXXX

10151770

Closed

2026-02-17 22:50

2026-02-25 04:12

Resolved

1 - Information

Credit

Missing Doc

Borrower 2 Gap Credit Report is Missing

Resolved-gap credit Report is missing in file, provided the same, changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX

Resolved-Borrower X Gap Credit Report is not missing. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX

Open-Borrower X Gap Credit Report is Missing Borrower X undisclosed debt monitoring is missing. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXXXX UDN.pdf

Primary Residence

Purchase

7670642

N/A

XXXX

10151770

Closed

2026-02-17 22:50

2026-02-25 04:12

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 Gap Credit Report is Missing

XXXXXXXXXX UDN.pdf

Primary Residence

Purchase

7670641

N/A

XXXX

10151771

Closed

2026-03-03 03:38

2026-03-10 15:10

Resolved

1 - Information

Compliance

Missing Doc

TRID: Missing Closing Disclosure

Resolved-Received PCCD. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. please clarify. you do not need a CD after closing. are you trying to validate the disbursement date? - Buyer-XX/XX/XXXX

Open-TRID: Missing Final Closing Disclosure Provide Final CD. Disbursement Date is Prior to Closing but needs to be after closing date. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Received PCCD. - Due Diligence Vendor-XX/XX/XXXX

XXXXXX PCCD.pdf

Investment

Refinance

Cash Out - Other

7889900

N/A

XXXX

10151771

Closed

2026-03-03 01:25

2026-03-10 14:49

Resolved

1 - Information

Credit

Title

Title Coverage is Less than Subject Lien(s) Total

Resolved-Received title supplement. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. supplement is enough to cure. which was provided @ XXX,XXX - XXXXX-XX/XX/XXXX

Open-Title Coverage Amount of $XXXXXX is Less than Loan Amount Provide Title coverage amount sufficient to cover the loan amount of $XXX,XXX. Policy provided has coverage of $XXX,XXX. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-Received title supplement. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

XXXXXX XXXXXXXXXX (XX).XXX

Investment

Refinance

Cash Out - Other

7889037

N/A

XXXX

10151771

Closed

2026-03-03 14:59

2026-03-10 14:47

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 Gap Credit Report is Missing

Resolved-Received UDM - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. - XXXXX-XX/XX/XXXX

Open-Borrower X Gap Credit Report is Missing Provide evidence of Undisclosed Debt Monitoring document. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-Received UDM - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

XXXXXX XXX_XXX - XXXX-XX-XXTXXXXXX.XXX.XXX

Investment

Refinance

Cash Out - Other

7907298

N/A

XXXX

10151773

Closed

2026-02-26 21:59

2026-03-04 02:26

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 Gap Credit Report is Missing

Resolved-Gap Credit is Missing in file, Provide the same, changes made in system, Finding Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-Borrower X Gap Credit Report is not missing. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. - XXXXX-XX/XX/XXXX

Open-Borrower X Gap Credit Report is Missing Provide evidence of Undisclosed Debt Monitoring. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

XXXXXXXXXX XXX_XXX - XXXX-XX-XXTXXXXXX.XXX.XXX

Investment

Purchase

7837784

N/A

XXXX

10151774

Closed

2026-02-21 23:01

2026-03-04 08:01

Resolved

1 - Information

Compliance

Rescission:Disbursement

Federal - Right of Rescission (Loan Disbursement Violation) (TILA)

Resolved-Received Post close CD. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. - XXXXX-XX/XX/XXXX

Open-The loan disbursement date (XXXX-XX-XX) is earlier than, or the same day as, the calculated "Right to Cancel Expire Date" (XXXX-XX-XX). Under Regulation Z, funds may not be disbursed to the borrower until after the expiration of the rescission period. (Reg Z, XX CFR XXXX.XX(c) and Official Staff Commentary) Provide PPCD or Right to cancel expire date before disbursement date. The loan disbursement date (XXXX-XX-XX) is earlier than, or the same day as, the calculated "Right to Cancel Expire Date" (XXXX-XX-XX). Under Regulation Z, funds may not be disbursed to the borrower until after the expiration of the rescission period. (Reg Z, XX CFR XXXX.XX(c) and Official Staff Commentary) Provide PPCD or Right to cancel expire date before disbursement date. The Loan Disbursement date is on XX/XX/XXXX and the Right to cancel expire date is on XX/XX/XXXX. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-Received Post close CD. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

XXXXX XXXX.XXX

Primary Residence

Refinance

Cash Out - Other

7740658

N/A

XXXX

10151774

Closed

2026-02-21 22:40

2026-03-04 07:28

Resolved

1 - Information

Compliance

Missing Doc

The Final 1003 is Incomplete

Resolved-The Final XXXX is Present - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-LO information is attached. - XXXXXX-XX/XX/XXXX

Open-The Final XXXX is Incomplete Provide Loan Originator information page attached to Final XXXX. Loan Originator information page attached to Final XXXX is missing. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-LO information is attached. - XXXXXX-XX/XX/XXXX

Resolved-The Final XXXX is Present - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

XXXXX XXXXXXXXXXX.XXX

Primary Residence

Refinance

Cash Out - Other

7740614

N/A

XXXX

10151774

Closed

2026-02-21 22:21

2026-03-04 04:19

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 Gap Credit Report is Missing

Resolved-Gap Credit is Missing in file, Provide the same, changes made in system, Finding Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-Borrower X Gap Credit Report is not missing. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. - XXXXX-XX/XX/XXXX

Open-Borrower X Gap Credit Report is Missing Provide evidence of Undisclosed Debt Monitoring. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

XXXXX XXX.XXX

Primary Residence

Refinance

Cash Out - Other

7740586

N/A

XXXX

10151776

Closed

2026-02-25 07:18

2026-03-02 03:57

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 Business Bank Statements Missing

Resolved-Received XX/XXXX business bank statement, resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-Borrower X Business Bank Statements Provided - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. - XXXXX-XX/XX/XXXX

Open-Borrower X Business Bank Statements Missing Missing XX/XXXX business bank statement. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-Received XX/XXXX business bank statement, resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-Borrower X Business Bank Statements Provided - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

XXXXXXXX X-XX XXXX XXXX.XXX

Primary Residence

Purchase

7796757

N/A

XXXX

10151691

Closed

2026-02-20 16:09

2026-02-20 16:16

Waived

2 - Non-Material

Property

Property has been listed for sale in the past 6 months

Waived-UW exception provided page XXX for property being listed within X months. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Open-UW exception provided page XXX for property being listed within X months. Property listed until XX/XX/XXXX. Tenant occupied, PPP present, lower of isting price/appraised value used, LTV reduced XX% for Cash out. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Waived-UW exception provided page XXX for property being listed within X months. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

XXX Representative credit score exceeds the minimum required of XXX by XX points
XxXX mortgage history for XX months.

Investment

Refinance

Cash Out - Other

7732086

Originator Pre-Close

Yes

XXXX

10151704

Closed

2026-02-18 02:23

2026-02-26 03:21

Resolved

1 - Information

Compliance

TRID

Final CD: Estimated Taxes, Insurance, & Assessments "In escrow? is incomplete or inaccurate "

Resolved-Received tax calculations, resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX

Open-Taxes are not matching with final CD and taxes are verified from Title report. Missing breakdown of taxes. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-Received tax calculations, resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

XXXXXXX $XXX,XXXxXX%x.XXXXXX= $XXXX.XX.XXX

XXXXXXX Tax Calculation from title.XXX

XXXXXXX $XXX,XXXxXX%x.XXXXXX+XXX= $XXXX.XX.XXX

Investment

Refinance

No Cash Out - Borrower Initiated

7671728

N/A

XXXX

10151710

Closed

2026-02-13 11:49

2026-02-20 02:21

Resolved

1 - Information

Credit

DSCR unknown

Resolved-Received XXXXXX and XXXX history, resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. We don't have an income worksheet but here is the income calculations:

XXXXXX $XXXXX.XX*.XX=XX,XXX.XX/XX=X,XXX.XX
XXXX-subject property ID XXXXXXX. $XXXXX*.XX=XX,XXX/XX=X,XXX.XX
Total income is $X,XXX.XX

I attached the XXXXXX and XXXX income reports to this email for reference. Let me know if you have any questions, thank you!

- Buyer-XX/XX/XXXX

Open-Loan approval shows DSCR for X.XX however Short Ter rent of XXXX/XXXX.XX= .XXX, Market rent analysis of $X,XXX/$X,XXX.XX=.XXX. Missing DSCR worksheet. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-Received XXXXXX and XXXX history, resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

XXXXXXXX STR HISTORY (X).XXX

XXXXXXXX STR HISTORY (X).XXX

Investment

Refinance

Cash Out - Other

7615106

N/A

XXXX

10151710

Closed

2026-02-11 03:16

2026-02-19 03:45

Resolved

1 - Information

Credit

Eligibility

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

Resolved-XXXXXX and XXXX documents found which changed the income amount and DSCR to X.XX, resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Open-Verified DSCR is X.XXX which is less than X% however for DSCR less than X refinance cash out maximum LTV is not provided in guidelines. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-XXXXXX and XXXX documents found which changed the income amount and DSCR to X.XX, resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Investment

Refinance

Cash Out - Other

7553521

N/A

XXXX

10151712

Closed

2026-02-20 22:46

2026-03-03 12:13

Waived

2 - Non-Material

Credit

Eligibility

Qualifying Credit Score does not meet eligibility requirement(s)

Waived- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-Exception in file. However, per XXXXXXXXXX-XXXXXXXX X/X/XX, minimum score of XXX for Purchase at XX% max LTV. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Rescinded-Exception in file. However, XXXXXXXXXX XXXXXXXX X/X/XX, minimum score of XXX for Purchase at XX% max LTV. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Waived- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Open-Underwriting exception in the page #XXX, exception for CREDIT SCORE XXX. G/L REQUIRED XXX.
Credit Score is XXX. Minimum required per guidelines is XXX.

- XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-Exception in file. However, per XXXXXXXXXX-XXXXXXXX X/X/XX, minimum score of XXX for Purchase at XX% max LTV. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Rescinded-Exception in file. However, XXXXXXXXXX XXXXXXXX X/X/XX, minimum score of XXX for Purchase at XX% max LTV. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Borrower(s) have XXX.XX months Reserves. Minimum required per guidelines is X months.
XxXX mortgage history for XX months.

Investment

Purchase

7736165

Originator Pre-Close

Yes

XXXX

10151731

Closed

2026-03-03 08:28

2026-03-03 08:32

Waived

2 - Non-Material

Credit

Eligibility

Audited LTV Exceeds Guideline LTV

Waived-Client elects to waive with the following compensating factors:
Audited LTV Exceeds Guideline LTV Borrower is a Novice investor with a X% reduction in Ltv of XX%. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Open-Audited LTV Exceeds Guideline LTV Borrower is a Novice investor with a X% reduction in Ltv of XX%. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

XXXXXXXXX Min FICO XXX, Qualifying FICO XXX
Total months reserves per guidelines X, Qualifying month reserves XX.XX
DSCR guideline min X.X, Qualifying DSCR X.XX

Investment

Purchase

7896099

Originator Pre-Close

Yes

XXXX

10151731

Closed

2026-02-23 09:39

2026-02-26 08:20

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 Photo Identification Type Missing

Resolved-Validation Resolved or Not Applicable - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-Visa rec'd/resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX

Open-Borrower X Photo Identification Missing. Please provide valid photo identification per guideline requirements. Provide current valid Visa for Borrower X - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-Validation Resolved or Not Applicable - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-Visa rec'd/resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

XXXXX XXX.XXX

Investment

Purchase

7757686

N/A

XXXX

10151731

Closed

2026-02-22 00:07

2026-02-26 08:15

Resolved

1 - Information

Credit

Eligibility

Ineligible Housing History per program guidelines

Resolved-Reconveyance doc rec'd/resolved - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX

Open-Housing History Does Not Meet Guideline Requirements Provide Free and Clear Letter - Due Diligence Vendor-XX/XX/XXXX

Resolved-Reconveyance doc rec'd/resolved - Due Diligence Vendor-XX/XX/XXXX

XXXXX XXXX XXXXXXXXXXXXX XXXX.pdf

Investment

Purchase

7740772

N/A

XXXX

10151742

Closed

2026-03-02 07:00

2026-03-03 14:21

Waived

2 - Non-Material

Credit

Assets

Cash Out Does Not Meet Guideline Requirements

Waived-Cash Out is not completed according to the guideline requirements Underwriting Exception for Cash Out Refinance on a Recently listed property provided page XXX. - Due Diligence Vendor-XX/XX/XXXX

XXX Representative credit score exceeds the minimum required of XXX by XX points
0x30 mortgage history for 60 months.
DSCR ratio of X.XXX exceeds the minimum requirement of X by X.XXX points.

Investment

Refinance

Cash Out - Other

7869824

Originator Pre-Close

Yes

XXXX

10151755

Closed

2026-02-20 06:00

2026-02-24 13:21

Resolved

1 - Information

Credit

Eligibility

All Interested Parties Not Checked with Exclusionary Lists

Resolved-Received OFAC check, resolved. - Due Diligence Vendor-XX/XX/XXXX

Resolved-All Interested Parties Checked against Exclusionary Lists - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX

Open-All Interested Parties Not Checked with Exclusionary Lists XXXXXXX X XXXXX signed all documents and is listed as trustee and was not checked. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Received OFAC check, resolved. - Due Diligence Vendor-XX/XX/XXXX

Resolved-All Interested Parties Checked against Exclusionary Lists - Due Diligence Vendor-XX/XX/XXXX

XXXXX OFAC - XX XXXXXX.pdf

Investment

Refinance

Cash Out - Other

7716915

N/A

XXXX

10151758

Closed

2026-02-20 16:21

2026-02-20 16:25

Waived

2 - Non-Material

Credit

Debt

Borrower Exposure exceeds client guidelines Limit

Waived-UW Exception provided, page XXX, for Borrower exceeding Maximum Exposure to Client. - Due Diligence Vendor-XX/XX/XXXX

Open-UW Exception provided, page XXX, for Borrower exceeding Maximum Exposure to Client. 10 properties and unpaid balance $x,xxx,xxx - Due Diligence Vendor-XX/XX/XXXX

Waived-UW Exception provided, page XXX, for Borrower exceeding Maximum Exposure to Client. - Due Diligence Vendor-XX/XX/XXXX

XXX Representative credit score exceeds the minimum required of XXX by XX points
0x30 mortgage history for 24 months.

Investment

Refinance

Cash Out - Other

7732189

Originator Pre-Close

Yes

XXXX

10151761

Closed

2026-02-27 10:13

2026-03-11 11:56

Resolved

1 - Information

Credit

Eligibility

Missing Property Tax Cert

Resolved-Tax Cert calculation has been provided. Finding has been resolved. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX

Counter-Tax cert provide only support $XXX.XX. Provide documentation that supports a tax rate at .XXXXXXXX and will support taxes in the amount of $XXXX.XX. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. proposed taxes= .XXXXXXXX XXXXXX=X,XXX.XX/XX=XXX.XX - Buyer-XX/XX/XXXX

Open-Calculated DSCR is X.XX versus Originator’s X.XX. The discrepancy is due to the monthly tax amount of $XXX.XX reflected on the Lender Information Sheet, Final CD, IEAD, and First Payment Letter. Verified monthly taxes from the appraisal report and tax certificate are $XX.XX. Originator to provide tax certification/calculation that supports annual property taxes of $XXXX.XX. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Tax Cert calculation has been provided. Finding has been resolved. - Due Diligence Vendor-XX/XX/XXXX

XXX XXX XXXX.pdf

XXX-XX XXX XXXXXXXXXXX.pdf

Investment

Purchase

7847347

N/A

XXXX

10151772

Closed

2026-02-19 06:29

2026-02-20 03:56

Resolved

1 - Information

Credit

Eligibility

Loan does not conform to program guidelines

Resolved-Received operating agreement showing XXX%, resolved. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX

Open-Missing operating agreement or CPA letter for business to determine percentage of use that is used of the business account. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Received operating agreement showing XXX%, resolved. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXXX Articles - XXX% XXXXXXXXX.pdf

Investment

Purchase

7695100

N/A

XXXX

10155932

Closed

2026-02-25 13:40

2026-03-04 03:42

Resolved

1 - Information

Compliance

Missing Doc

The Deed of Trust is Incomplete

Resolved-Deed of trust provided, resolved. - Due Diligence Vendor-XX/XX/XXXX

Resolved-The Deed of Trust is Present and Complete - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX

Open-The Deed of Trust is Incomplete Missing page X of the security instrument. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX

Resolved-Deed of trust provided, resolved. - Due Diligence Vendor-XX/XX/XXXX

Resolved-The Deed of Trust is Present and Complete - Due Diligence Vendor-XX/XX/XXXX

XXXXX XXX.pdf

Primary Residence

Purchase

7809287

N/A

XXXX

10155932

Closed

2026-02-24 22:13

2026-03-04 03:42

Resolved

1 - Information

Credit

Missing Doc

Hazard Insurance Policy is Missing

Resolved-HOI dec page provided, resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-Received HOI dec page, resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-Hazard Insurance Policy is fully present - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX

Open-Missing Hazard Insurance Policy. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX

XXXXX XXX.XXX

Primary Residence

Purchase

7791326

N/A

XXXX

10155932

Closed

2026-02-25 12:54

2026-03-04 03:41

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 Gap Credit Report is Missing

Resolved-Evidence of Undisclosed Debt Monitoring provided, resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-Borrower X Gap Credit Report is not missing. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. - XXXXX-XX/XX/XXXX

Open-Borrower X Gap Credit Report is Missing Missing UDM report. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-Evidence of Undisclosed Debt Monitoring provided, resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-Borrower X Gap Credit Report is not missing. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

XXXXX XXX.XXX

Primary Residence

Purchase

7807933

N/A

XXXX

10155934

Closed

2026-02-27 08:23

2026-03-06 05:57

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 Gap Credit Report is Missing

Resolved-Evidence of Undisclosed Debt Monitoring provided.  - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-Borrower X Gap Credit Report is not missing. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded.  - XXXXX-XX/XX/XXXX

Open-Borrower X Gap Credit Report is Missing Evidence of UndiscloseXd Debt Monitoring missing.  - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-Evidence of Undisclosed Debt Monitoring provided. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-Borrower X Gap Credit Report is not missing. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

XXXXX XXX.XXX

Primary Residence

Purchase

7844743

N/A

XXXX

10155944

Closed

2026-02-27 06:27

2026-03-04 04:00

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 Gap Credit Report is Missing

Resolved-Gap Credit is Missing in file, Provide the same, changes made in system, Finding Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-Borrower X Gap Credit Report is not missing. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. - XXXXX-XX/XX/XXXX

Open-Borrower X Gap Credit Report is Missing File is missing with evidence of Undisclosed Debt Monitoring. Provide evidence of Undisclosed Debt Monitoring - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

XXXXXXXX XXX.XXX

Primary Residence

Purchase

7842456

N/A

XXXX

10155945

Closed

2026-02-24 21:23

2026-03-17 13:02

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 Gap Credit Report is Missing

Resolved-Evidence of Undisclosed Debt Monitoring provided, resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-Gap Credit is Missing in file, Provide the same, changes made in system, Finding Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-Borrower X Gap Credit Report is not missing. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX

Open-Borrower X Gap Credit Report is Missing Evidence of Undisclosed Debt Monitoring is missing. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX

XXXXXXXXX XXX.XXX

Primary Residence

Purchase

7790835

N/A

XXXX

10155945

Closed

2026-02-24 21:23

2026-03-17 13:02

Resolved

1 - Information

Credit

Missing Doc

Borrower 2 Gap Credit Report is Missing

Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX

XXXXXXXXX XXX.XXX

Primary Residence

Purchase

7790836

N/A

XXXX

10155945

Closed

2026-02-24 21:23

2026-03-17 13:02

Resolved

1 - Information

Credit

Missing Doc

Borrower 3 Gap Credit Report is Missing

Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX

XXXXXXX XXXXXXXXX XXX_XXX - XXXX-XX-XXXXXXXXXX.XXX.XXX

Primary Residence

Purchase

7790837

N/A

XXXX

10155945

Closed

2026-02-26 08:50

2026-03-13 11:50

Waived

2 - Non-Material

Credit

Eligibility

Audited LTV Exceeds Guideline LTV

Waived-Client elects to waive with the following compensating factors: - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Waived-Audited LTV of XX% exceeds XXXXXXXXX LTV of XX% Client elects to waive with the following compensating factors:
Exception for LTV of XX per guideline on occupant coborrowers ltv max is XX page XXX - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

XX.XX% DTI is below the maximum XX% DTI by XX.XX%.
XXX Representative credit score exceeds the minimum required of XXX by XX points
$XXX,XXX reserves exceed the minimum required of $XX,XXX exceeds the minimum by XX months over the required minimum.

Primary Residence

Purchase

7823084

Investor Post-Close

XXXX

10155945

Closed

2026-02-24 20:52

2026-03-06 07:46

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 3rd Party VOE Prior to Close Missing

Resolved-Borrower X Xrd Party VOE uploaded, Verified & entered in system - Resolved
- XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-Borrower X Xrd Party VOE Prior to Close Was Provided - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. - XXXXX-XX/XX/XXXX

Open-Borrower X Xrd Party VOE Prior to Close Missing. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

XXXXXXXXX XXX.XXX

Primary Residence

Purchase

7790628

N/A

XXXX

10155945

Closed

2026-02-26 09:54

2026-03-04 04:28

Resolved

1 - Information

Credit

Title

Title Coverage is Less than Subject Lien(s) Total

Resolved-Final title policy provided, resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s) - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX

Open-Title Coverage Amount of $X is Less than Loan Amount Title commitment does not list an insured amount. Insured amount should be equal to or greater than the loan amount. Supplemental title not found in file. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX

XXXXXXXXX XXXXXX XXXXXX.XXX

Primary Residence

Purchase

7825035

N/A

XXXX

10155947

Closed

2026-02-24 02:36

2026-03-05 01:18

Resolved

1 - Information

Credit

Missing Doc

Borrower 2 Gap Credit Report is Missing

Resolved-Evidence of Undisclosed Debt Monitoring for BX provided
- XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-Borrower X Gap Credit Report is not missing. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. - XXXXX-XX/XX/XXXX

Open-Borrower X Gap Credit Report is Missing File is missing with evidence of Undisclosed Debt Monitoring. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-Evidence of Undisclosed Debt Monitoring for BX provided
- XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-Borrower X Gap Credit Report is not missing. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

XXXXXXX XXX.XXX

Investment

Refinance

Cash Out - Other

7773785

N/A

XXXX

10155947

Closed

2026-02-24 02:36

2026-03-05 01:18

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 Gap Credit Report is Missing

Resolved-Evidence of Undisclosed Debt Monitoring for BX provided
- XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-Borrower X Gap Credit Report is not missing. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. - XXXXX-XX/XX/XXXX

Open-Borrower X Gap Credit Report is Missing File is missing with evidence of Undisclosed Debt Monitoring. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-Evidence of Undisclosed Debt Monitoring for BX provided
- XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-Borrower X Gap Credit Report is not missing. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

XXXXXXX XXX.XXX

Investment

Refinance

Cash Out - Other

7773784

N/A

XXXX

10155947

Closed

2026-02-24 06:23

2026-02-26 07:26

Waived

2 - Non-Material

Credit

Eligibility

Borrower owns more financed properties than allowed per guidelines

Waived-Client elects to waive with the following compensating factors:
Underwriting Exception on the page XXX, Exception requested for Number of REO properties exceeds XXXXXXXXXX of X with XX. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Borrower(s) have XXX.XX months Reserves. Minimum required per XXXXXXXXXX is X months.
Minimum credit score per XXXXXXXXXX XXX, Qualifying credit score XXX, difference of XX.
Maximum DTI per XXXXXXXXXX XX, Qualifying DTI XX.XX difference of XX
Time on current job is X years.

Investment

Refinance

Cash Out - Other

7776569

Originator Pre-Close

Yes

XXXX

10155953

Closed

2026-03-10 07:07

2026-03-13 07:07

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 Gap Credit Report is Missing

Resolved-Received UDN. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. - XXXXX-XX/XX/XXXX

Open-Borrower X Gap Credit Report is Missing Provide undisclosed debt monitoring document. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-Received UDN. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

XXXXXXXXX XXX.XXX

Primary Residence

Refinance

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

8017081

N/A

XXXX

10155953

Closed

2026-03-10 08:39

2026-03-11 12:12

Resolved

1 - Information

Compliance

HigherPriced:APR

Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming)

Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.X%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.X%).(XX CFR XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. ( XX CFR § XXXX.XX(a)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg# XXX and the Final Closing disclosure on Pg# XXX-XXX reflects escrows. Rate lock date was entered correctly - see Pg# XXX-XXX An interior and exterior appraisal was completed for this property – see pg XX-XX the appraisal disclosure was provided to the borrower(s)- see Pg# XX and copy of the appraisal was given to the borrower – see Pg# XX for the copy of the disclosure. The loan meets HPML guidelines - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Primary Residence

Refinance

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

8020046

N/A

XXXX

10155956

Closed

2026-02-26 05:34

2026-03-04 04:19

Resolved

1 - Information

Credit

Eligibility

Trust/POA Does Not Meet Guideline Requirements

Resolved-Received POA, resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-Trust/POA Meets XXXXXXXXX XXXXXXXXXXXX - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX

Open-Trust/POA Does Not Meet XXXXXXXXX XXXXXXXXXXXX Missing POA. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX

Resolved-Received POA, resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-Trust/POA Meets XXXXXXXXX XXXXXXXXXXXX - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

XXXXXXXXXX XXX (X).XXX

Second Home

Purchase

7818859

N/A

XXXX

10155956

Closed

2026-02-26 05:56

2026-03-04 04:19

Resolved

1 - Information

Credit

Eligibility

All Interested Parties Not Checked with Exclusionary Lists

Resolved-Received LDP/GSA, resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-All Interested Parties Checked against Exclusionary Lists - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. LDP/GSA shows attorney in list - Seller-XX/XX/XXXX

Open-All Interested Parties Not Checked with Exclusionary Lists Attorney in fact not checked. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. LDP/GSA shows attorney in list - Seller-XX/XX/XXXX

Resolved-Received LDP/GSA, resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-All Interested Parties Checked against Exclusionary Lists - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

XXXX XXXXXXX (X).XXX

Second Home

Purchase

7819221

N/A

XXXX

10155956

Closed

2026-02-23 23:29

2026-03-04 02:24

Resolved

1 - Information

Credit

Missing Doc

Borrower 2 Gap Credit Report is Missing

Resolved-Gap Credit is Missing in file, Provide the same, changes made in system, Finding Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-Borrower X Gap Credit Report is not missing. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX

Open-Borrower X Gap Credit Report is Missing Evidence of Undisclosed Debt Monitoring is missing. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

XXXXXXXXXX XXX.XXX

Second Home

Purchase

7772245

N/A

XXXX

10155956

Closed

2026-02-23 23:29

2026-03-04 02:24

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 Gap Credit Report is Missing

Resolved-Gap Credit is Missing in file, Provide the same, changes made in system, Finding Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-Borrower X Gap Credit Report is not missing. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX

Open-Borrower X Gap Credit Report is Missing Evidence of Undisclosed Debt Monitoring is missing. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX

XXXXXXXXXX XXX.XXX

Second Home

Purchase

7772244

N/A

XXXX

10155956

Closed

2026-02-26 04:59

Waived

2 - Non-Material

Credit

Eligibility

Audited LTV Exceeds Guideline LTV

Waived-Audited LTV of XX.XX% exceeds XXXXXXXXX LTV of XX% Client elects to waive with the following compensating factors:
Exception for LTV of XX.XX when the guidelines only allow for XX% on rural properties. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Max DTI per guidelines XX, Qualifying DTI XX.XX% difference of XX.XX
XXXXXXXXX minimum credit score XXX, Qualifying FICO XXX, difference of XXX
XXXXXXXXX required months reserves X, Qualifying total reserve months XX.XX, Difference of XX.XX

Second Home

Purchase

7817747

Originator Pre-Close

Yes

XXXX

10155956

Closed

2026-02-26 04:59

Waived

2 - Non-Material

Credit

Eligibility

Audited CLTV Exceeds Guideline CLTV Requirements

Waived-Audited CLTV of XX.XX% exceeds XXXXXXXXX CLTV of XX% Client elects to waive with the following compensating factors:
Exception for LTV of XX.XX when the guidelines only allow for XX% on rural properties. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Second Home

Purchase

7817745

Originator Pre-Close

Yes

XXXX

10155956

Closed

2026-02-26 04:59

Waived

2 - Non-Material

Credit

Eligibility

Audited HCLTV Exceeds Guideline HCLTV

Waived-Audited HLTV of XX.XX% exceeds XXXXXXXXX HCLTV of XX% Client elects to waive with the following compensating factors:
Exception for LTV of XX.XX when the guidelines only allow for XX% on rural properties. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Second Home

Purchase

7817746

Originator Pre-Close

Yes

XXXX

10155962

Closed

2026-03-03 14:09

2026-03-12 07:12

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 Gap Credit Report is Missing

Resolved-Borrower X Gap Credit Report is not missing. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-Received UDM report.  - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded.  - XXXXX-XX/XX/XXXX

Open-Borrower X Gap Credit Report is Missing Provide evidence of Undisclosed Debt monitoring document.  - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-Borrower X Gap Credit Report is not missing. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-Received UDM report. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

XXXXXX XXX.XXX

Primary Residence

Purchase

7905585

N/A

XXXX

10155967

Closed

2026-03-03 06:33

2026-03-10 05:07

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 Gap Credit Report is Missing

Resolved-Evidence of Undisclosed Debt Monitoring provided, resolved.   - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-Evidence of Undisclosed Debt Monitoring provided. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-Borrower X Gap Credit Report is not missing. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded.  - XXXXX-XX/XX/XXXX

Open-Borrower X Gap Credit Report is Missing Missing evidence of Undisclosed Debt Monitoring.  - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

XXXXXX XXX.XXX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

7893468

N/A

XXXX

10155971

Closed

2026-02-24 03:30

2026-03-04 04:42

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 Gap Credit Report is Missing

Resolved-Evidence of Undisclosed Debt Monitoring provided, resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-Gap Credit is Missing in file, Provide the same, changes made in system, Finding Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-Borrower X Gap Credit Report is not missing. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. - XXXXX-XX/XX/XXXX

Open-Borrower X Gap Credit Report is Missing Gap Credit Report is Missing in the file. Hence required undisclosed debt monitoring document. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

XXXXXXXXX XXX.XXX

Primary Residence

Refinance

Cash Out - Debt Consolidation

7774207

N/A

XXXX

10155971

Closed

2026-02-24 03:37

2026-03-04 04:31

Resolved

1 - Information

Credit

Missing Doc

Hazard Insurance Policy is Missing

Resolved-Hazard Insurance Policy provided, resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-Hazard Insurance Policy is Missing in file, Provide the same, changes made in system, Finding Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-Hazard Insurance Policy is fully present - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. - XXXXX-XX/XX/XXXX

Open-Missing Hazard Insurance Policy Hazard Insurance Policy document is missing in the file. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

XXXXXXXXX XXXXXXXXX.XXX

Primary Residence

Refinance

Cash Out - Debt Consolidation

7774268

N/A

XXXX

10155976

Closed

2026-03-05 02:59

2026-03-11 03:23

Resolved

1 - Information

Credit

Missing Doc

Borrower 2 Gap Credit Report is Missing

Resolved-Evidence of Undisclosed Debt Monitoring provided, resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-Borrower X Gap Credit Report is not missing. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. - XXXXX-XX/XX/XXXX

Open-Borrower X Gap Credit Report is Missing Evidence of Undisclosed Debt Monitoring missing. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-Evidence of Undisclosed Debt Monitoring provided, resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-Borrower X Gap Credit Report is not missing. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

XXXXXX XXX.XXX

Primary Residence

Purchase

7936928

N/A

XXXX

10155976

Closed

2026-03-05 02:59

2026-03-11 03:23

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 Gap Credit Report is Missing

Resolved-Evidence of Undisclosed Debt Monitoring provided, resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-Borrower X Gap Credit Report is not missing. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. - XXXXX-XX/XX/XXXX

Open-Borrower X Gap Credit Report is Missing Evidence of Undisclosed Debt Monitoring missing. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-Evidence of Undisclosed Debt Monitoring provided, resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-Borrower X Gap Credit Report is not missing. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

XXXXXX XXX.XXX

Primary Residence

Purchase

7936927

N/A

XXXX

10155988

Closed

2026-03-04 21:36

2026-03-11 09:58

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 Gap Credit Report is Missing

Resolved-Evidence of Undisclosed Debt Monitoring provided. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-Borrower X Gap Credit Report is not missing. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. - XXXXX-XX/XX/XXXX

Open-Borrower X Gap Credit Report is Missing Evidence of Undisclosed Debt Monitoring is missing. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-Evidence of Undisclosed Debt Monitoring provided. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-Borrower X Gap Credit Report is not missing. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX

XXXXXXX XXX.XXX

Primary Residence

Refinance

Cash Out - Other

7935125

N/A

XXXX

10155990

Closed

2026-03-02 23:40

2026-03-10 01:09

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 Gap Credit Report is Missing

Resolved-Evidence of Undisclosed Debt Monitoring provided. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-Borrower X Gap Credit Report is not missing. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX

XXXXXX XXX.XXX

Primary Residence

Purchase

7888474

N/A

XXXX

10155995

Closed

2026-03-03 08:14

2026-03-11 07:16

Resolved

1 - Information

Credit

Missing Doc

Hazard Insurance Policy is Missing

Resolved-Missing Hazard Insurance Policy Provided - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. - XXXXX-XX/XX/XXXX

Open-Missing Hazard Insurance Policy - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-Missing Hazard Insurance Policy Provided - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX

XXXXXX XXXXXXXXX.XXX

Primary Residence

Purchase

7895769

N/A

XXXX

10155995

Closed

2026-03-03 08:04

2026-03-11 03:16

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 Gap Credit Report is Missing

Resolved-Evidence of Undisclosed Debt Monitoring provided
- XXX XXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-Borrower X Gap Credit Report is not missing. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. - XXXXX-XX/XX/XXXX

Open-Borrower X Gap Credit Report is Missing Evidence of Undisclosed Debt Monitoring is Missing. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-Evidence of Undisclosed Debt Monitoring provided
- XXX XXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-Borrower X Gap Credit Report is not missing. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX

XXXXXX XXX.XXX

Primary Residence

Purchase

7895564

N/A

XXXX

10155996

Closed

2026-03-05 07:35

2026-03-16 04:06

Resolved

1 - Information

Credit

Doc Issue

HOA Fee Difference

Resolved-XXXX provided matching the appraisal's HOA fee amount, resolved. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-updated XXXX provided with the HOA, what else do you need? - XXXXX-XX/XX/XXXX

Open-HOA Fee difference exsits between validated HOA and documents Missing HOA invoice. Appraisal shows HOA dues for XXX.XX and XXXX shows HOA dues at XXX.XX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-XXXX provided matching the appraisal's HOA fee amount, resolved. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX

XXX XXXXXXX XXXX.XXX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

7942329

N/A

XXXX

10155996

Closed

2026-03-05 08:26

2026-03-16 04:05

Resolved

1 - Information

Credit

Title

Title Coverage is Less than Subject Lien(s) Total

Resolved-Final title policy received, resolved. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-Title Coverage Amount of $XXXXXXX is equal to or greater than Total Amount of Subject Lien(s) - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX

Open-Title Coverage Amount of $X is Less than Loan Amount Missing coverage amount equal to or greater than the loan amount. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX

XXX XXXXX XXXXXXX XXXXXX (XX).XXX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

7943483

N/A

XXXX

10155996

Closed

2026-03-05 00:08

2026-03-11 02:50

Resolved

1 - Information

Credit

Missing Doc

Borrower 2 Gap Credit Report is Missing

Resolved-Evidence of Undisclosed Debt Monitoring provided
- XXX XXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-Borrower X Gap Credit Report is not missing. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX

Open-Borrower X Gap Credit Report is Missing Evidence of Undisclosed Debt Monitoring is missing. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX

Resolved-Evidence of Undisclosed Debt Monitoring provided
- XXX XXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-Borrower X Gap Credit Report is not missing. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX

XXX XXX.XXX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

7936084

N/A

XXXX

10155996

Closed

2026-03-05 00:08

2026-03-11 02:50

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 Gap Credit Report is Missing

Resolved-Evidence of Undisclosed Debt Monitoring provided
- Due Diligence Vendor-XX/XX/XXXX

Resolved-Borrower X Gap Credit Report is not missing. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX

Open-Borrower X Gap Credit Report is Missing Evidence of Undisclosed Debt Monitoring is missing. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX

Resolved-Evidence of Undisclosed Debt Monitoring provided
- Due Diligence Vendor-XX/XX/XXXX

Resolved-Borrower X Gap Credit Report is not missing. - Due Diligence Vendor-XX/XX/XXXX

XXX XXX.XXX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

7936083

N/A

XXXX

10155996

Closed

2026-03-05 03:02

2026-03-11 02:49

Resolved

1 - Information

Credit

Missing Doc

Missing Lender Income Calculation Worksheet

Resolved-Lender Income Calculation Worksheet uploaded, Verified & entered in system - Resolved
- Due Diligence Vendor-XX/XX/XXXX

Resolved-Validation Resolved' - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX

Open-Bank Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. Lender Worksheet is Missing. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Lender Income Calculation Worksheet uploaded, Verified & entered in system - Resolved
- Due Diligence Vendor-XX/XX/XXXX

Resolved-Validation Resolved' - Due Diligence Vendor-XX/XX/XXXX

XXX XXXXXX XXXX XXXXX.XXX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

7936945

N/A

XXXX

10156002

Closed

2026-03-02 22:00

2026-03-10 10:45

Resolved

1 - Information

Credit

Missing Doc

Missing Lender Income Calculation Worksheet

Resolved-Received income calculator
- Due Diligence Vendor-XX/XX/XXXX

Resolved-Validation Resolved' - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX

Open-Bank Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. Provide Income Calculator. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Received income calculator
- Due Diligence Vendor-XX/XX/XXXX

Resolved-Validation Resolved' - Due Diligence Vendor-XX/XX/XXXX

XXXXXX-XXXXX XXXXXX XXXXXXXXX.XXX

Primary Residence

Purchase

7887700

N/A

XXXX

10156002

Closed

2026-03-02 22:13

2026-03-10 01:28

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 Gap Credit Report is Missing

Resolved-Evidence of Undisclosed Debt Monitoring provided. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Borrower X Gap Credit Report is not missing. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX

Open-Borrower X Gap Credit Report is Missing Provide Evidence of undisclosed debt monitoring document. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Evidence of Undisclosed Debt Monitoring provided. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Borrower X Gap Credit Report is not missing. - Due Diligence Vendor-XX/XX/XXXX

XXXXXX-XXXXX XXX.XXX

Primary Residence

Purchase

7887823

N/A

XXXX

10156003

Closed

2026-03-03 04:44

2026-03-11 03:11

Resolved

1 - Information

Credit

Missing Doc

Loan Approval Document is Missing

Resolved-Loan Approval uploaded, Verified & entered in system - Resolved
- Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX

Open-File is missing with Loan Approval certificate. Provide Loan Approval certificate. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Loan Approval uploaded, Verified & entered in system - Resolved
- Due Diligence Vendor-XX/XX/XXXX

XXXXXXX XXXX XXXXXXXX.XXX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

7890493

N/A

XXXX

10156003

Closed

2026-03-02 23:31

2026-03-11 03:11

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 Gap Credit Report is Missing

Resolved-Evidence of Undisclosed Debt Monitoring provided
- Due Diligence Vendor-XX/XX/XXXX

Resolved-Borrower X Gap Credit Report is not missing. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX

Open-Borrower X Gap Credit Report is Missing Missing evidence of Undisclosed Debt Monitoring. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Evidence of Undisclosed Debt Monitoring provided
- Due Diligence Vendor-XX/XX/XXXX

Resolved-Borrower X Gap Credit Report is not missing. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXX XXX.XXX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

7888406

N/A

XXXX

10155978

Closed

2026-02-26 23:50

2026-03-09 11:40

Resolved

1 - Information

Credit

Eligibility

Ineligible Housing History per program guidelines

Resolved-Property report provided verifies no liens. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Unable to verify Housing history, provided property report, changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX

Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded.
We have documentation that proves the primary is free of liens.
- Buyer-XX/XX/XXXX

Open-Housing History Does Not Meet Guideline Requirements Borrower has been living in their own residence for the past X years; however, housing payment history has not been provided. A VOM or a free-and-clear LOX is required to document at least XX months of housing history to meet GL requirements. - Due Diligence Vendor-XX/XX/XXXX

XXXXX XXX.XXX

Investment

Refinance

Cash Out - Other

7838477

N/A

XXXX

10156001

Closed

2026-03-04 14:19

2026-03-10 08:01

Resolved

1 - Information

Credit

DSCR unknown

Resolved-DSCR passes guidelines - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-loan program is >=X.XX that means equal to or greater...DSCR approved is X.X - XXXXX-XX/XX/XXXX

Open-Audited DSCR X.X does not match Loan Approval DSCR of X.X. DSCR Calculation: Market Rent $XXXX / PITIA $XXXX.XX = X.XXXX - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-DSCR passes guidelines - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Investment

Purchase

7930220

N/A

XXXX

10155937

Closed

2026-02-25 00:30

2026-02-25 11:30

Waived

2 - Non-Material

Credit

Borrower

Citizenship Does Not Meet Guideline Requirements

Waived-Exception is on page XXX. Short or X Months on EAD. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

$XX,XXX reserves exceed the minimum required of $X,XXX exceeds the minimum by XX months over the required minimum.
DSCR ratio of X.XXXX exceeds the minimum requirement of X by X.XXXX points.

Investment

Refinance

Cash Out - Other

7792788

Originator Pre-Close

Yes

XXXX

10155983

Closed

2026-03-03 10:33

2026-03-09 09:58

Resolved

1 - Information

Credit

Missing subject rental income documentation

Resolved-X month evidence rents rec'd/ resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. - XXXXX-XX/XX/XXXX

Open-Higher lease rents used for DSCR calculation; provide evidence of X most recent months rents received - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-X month evidence rents rec'd/ resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

XXXXX XXXX XXXX.XXX

XXXXX XXXX XXXX XXXXXXXXXX XXXX.XXX

Investment

Refinance

Cash Out - Other

7899604

N/A