J.P. MORGAN ACCEPTANCE CORPORATION II ABS-15G
Exhibit 99.18
| Seller Name | Seller Loan ID | Customer Loan ID | Exception ID | Exception ID Date | Exception Category | Exception Subcategory | Exception Description | Exception Comments | Seller Response | Reviewer Response | Compensating Factors | Exception Status | Cleared Date | Exception Approved Pre Origination | Initial Exception Grade | Final Exception Grade | Initial DBRS Exception Grade | Final DBRS Exception Grade | Initial Moodys Exception Grade | Final Moodys Exception Grade | Initial Fitch Exception Grade | Final Fitch Exception Grade | Initial Kroll Exception Grade | Final Kroll Exception Grade | Initial S&P Exception Grade | Final S&P Exception Grade |
| XXX | XXXXX | 304494957 | XXX-6906 | 2/7/2025 | Credit | Closing Documentation | Deed Missing or Defective | Missing Deed from XXX to XXX | XX/XX/XXXX XXX: Please see attached deed. | XXX: Received conveyance deed | Cleared | 2/12/2025 | D | A | D | A | D | A | D | A | D | A | D | A | ||
| XXX | XXXXX | 304734771 | XXX-10042 | 7/23/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear | Cleared | 7/23/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 304847781 | XXX-11573 | 10/23/2025 | Credit | Title or Lien | Title Insurance Coverage - Inadequate Coverage | XXX title insurance coverage < XXX minimum coverage required | XX/XX/XXXX: Waived | XXX: Waived via overlay | DSCR XXX FICO XXX LTV XXX% | Acknowledged | 10/23/2025 | B | B | B | B | B | B | B | B | B | B | B | B | |
| XXX | XXXXX | 304847781 | XXX-11608 | 10/23/2025 | Credit | Title or Lien | Title Insurance Missing or Defective | Title commitment in file is missing lender's name. Please provide updated title policy with lender's name & ISAOA/ATIMA verbiage | XX/XX/XXXX: Please see attached. | XXX: Received | Cleared | 11/26/2025 | C | A | C | A | C | A | C | A | C | A | C | A | ||
| XXX | XXXXX | 304866785 | XXX-12115 | 11/17/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear | Cleared | 11/17/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 304866785 | XXX-12116 | 11/17/2025 | Credit | Hazard Insurance | Hazard Insurance Missing or Defective | XXX Hazard insurance coverage < XXX minimum coverage required | XX/XX/XXXX - XXX: Please see the attached replacement cost estimate. | XXX: Received | Cleared | 11/18/2025 | C | A | C | A | C | A | C | A | C | A | C | A | ||
| XXX | XXXXX | 304868073 | XXX-12198 | 11/18/2025 | Property | Appraisal Documentation | Market Rent - Missing or Defective | Missing XXX market rent For subject property : XXX XXX. Unable to calculate DSCR | XX/XX/XXXX: XXX | XXX: Received, DSCR XX/XX/XXXX | Cleared | 1/15/2026 | D | A | D | A | D | A | D | A | D | A | D | A | ||
| XXX | XXXXX | 305013334 | XXX-12570 | 12/5/2025 | Property | Appraisal Review | Appraisal Review - Missing | Missing appraisal review for subject property: XXX XXX | XX/XX/XXXX: Attached. | XXX: Received | Cleared | 12/9/2025 | D | A | D | A | D | A | D | A | D | A | D | A | ||
| XXX | XXXXX | 305013324 | XXX-12577 | 12/5/2025 | Property | Appraisal Review | Appraisal Review - Missing | Missing appraisal review for subject property: XXX XXX | XX/XX/XXXX: Attached. | XXX: Received | Cleared | 12/9/2025 | D | A | D | A | D | A | D | A | D | A | D | A | ||
| XXX | XXXXX | 305013325 | XXX-12602 | 12/5/2025 | Property | Appraisal Review | Appraisal Review - Missing | Missing appraisal review for subject property: XXX XXX | XX/XX/XXXX: Attached. | XXX: Received | Cleared | 12/9/2025 | D | A | D | A | D | A | D | A | D | A | D | A | ||
| XXX | XXXXX | 305013324 | XXX-12617 | 12/5/2025 | Credit | Title or Lien | Title Insurance Coverage - Inadequate Coverage | XXX title insurance coverage < XXX minimum coverage required. | XX/XX/XXXX: Waived via overlay | XXX: Waived via overlay | DSCR XXX FICO XXX months reserves | Acknowledged | 12/5/2025 | B | B | B | B | B | B | B | B | B | B | B | B | |
| XXX | XXXXX | 304894632 | XXX-12128 | 11/17/2025 | Credit | Title or Lien | Title Insurance Missing or Defective | Title Insurance Policy in file is missing the mortgagee clause and lender's name. Please provide updated title insurance policy with ISAOA/ATIMA verbiage and Lender name. | XX/XX/XXXX: Please see attached | XXX: Received | Cleared | 12/18/2025 | C | A | C | A | C | A | C | A | C | A | C | A | ||
| XXX | XXXXX | 304477566 | XXX-7050 | 1/27/2025 | Credit | Title/Lien | Title/Lien | XXX title insurance coverage < XXX minimum coverage required | XX/XX/XXXX RF please see attached please clear thank you XX/XX/XXXX RF please see attached please clear thank you | XXX: Received XXX: Marked up title cannot be accepted, please provide updated title | Cleared | 1/29/2025 | C | A | C | A | C | A | C | A | C | A | C | A | ||
| XXX | XXXXX | 304705154 | XXX-9171 | 5/23/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear | Cleared | 5/23/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 304707675 | XXX-9366 | 6/5/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear | Cleared | 6/5/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 304684693 | XXX-9442 | 6/10/2025 | Credit | Title or Lien | Title Insurance Missing or Defective | Missing XXX-month chain of title for subject property: XXX | XX/XX/XXXX: Title Policy | XX/XX/XXXX: Received | Cleared | 6/11/2025 | D | A | D | A | D | A | D | A | D | A | D | A | ||
| XXX | XXXXX | 304811760 | XXX-10611 | 8/29/2025 | Property | Insurance | Hazard Insurance Missing or Defective | Hazard insurance policy is missing mortgagee clause after lender's name. Please provide updated hazard policy with ISAOA/ATIMA verbiage | XX/XX/XXXX: attached | XXX: Received | Cleared | 9/25/2025 | C | A | C | A | C | A | C | A | C | A | C | A | ||
| XXX | XXXXX | 304748770 | XXX-10817 | 9/22/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear | Cleared | 9/22/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 304813303 | XXX-11026 | 10/1/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear | Cleared | 10/1/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 304847783 | XXX-11087 | 10/3/2025 | Credit | Title or Lien | Title Insurance Coverage - Inadequate Coverage | XXX Tittle insurance coverage < XXX minimum coverage required | XX/XX/XXXX: Waived | XXX: Waived via overlay | DSCR XXX FICO XXX LTV XXX% | Acknowledged | 10/3/2025 | B | B | B | B | B | B | B | B | B | B | B | B | |
| XXX | XXXXX | 304847784 | XXX-11088 | 10/3/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear | Cleared | 10/3/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 304867977 | XXX-11373 | 10/16/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear | Cleared | 10/16/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 304826967 | XXX-11493 | 10/21/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear | Cleared | 10/21/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 304858952 | XXX-11635 | 10/27/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear | Cleared | 10/27/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 304852951 | XXX-11916 | 11/5/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear | Cleared | 11/5/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 304893824 | XXX-11881 | 11/14/2025 | Property | Debt Service Coverage Ratio Eligibility | Subject Property Lease - Missing or Defective | Subject Property lease term is XXX years which makes it ineligible per guidelines. Guideline maximum Lease Term is XXX months. | XX/XX/XXXX: Lease is acceptable as there are less than XXX years remaining in the XXX year term | XXX: Confirmed less than XXX years left in the term of the lease | Cleared | 11/18/2025 | C | A | C | A | C | A | C | A | C | A | C | A | ||
| XXX | XXXXX | 304871987 | XXX-12111 | 11/14/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear | Cleared | 11/14/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 304874746 | XXX-12167 | 11/19/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear | Cleared | 11/19/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 304874100 | XXX-12219 | 11/20/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear | Cleared | 11/20/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 304888285 | XXX-12228 | 11/20/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear | Cleared | 11/20/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 304893699 | XXX-12280 | 11/21/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear | Cleared | 11/21/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 304973614 | XXX-12333 | 11/26/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear | Cleared | 11/26/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 304846321 | XXX-12388 | 12/1/2025 | Credit | Credit Eligibility | Significant Derogatory Credit Event – Requirement Not Met | Credit report reflects XXX: XXX day late and XXX: XXX day late mortgage payments. It does not specify the dates of missed mortgages. Please opine | XX/XX/XXXX CW: Credit supplement clarified these occurred in XXX see attached. | XXX: Received | Cleared | 12/2/2025 | C | A | C | A | C | A | C | A | C | A | C | A | ||
| XXX | XXXXX | 304872627 | XXX-12425 | 12/2/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear | Cleared | 12/2/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 304852312 | XXX-12430 | 12/3/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear | Cleared | 12/3/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 304874322 | XXX-12492 | 12/3/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear | Cleared | 12/3/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 304873981 | XXX-12529 | 12/3/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear | Cleared | 12/3/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 304896372 | XXX-12541 | 12/4/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear | Cleared | 12/4/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 304909602 | XXX-12561 | 12/5/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear | Cleared | 12/5/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 304874320 | XXX-12590 | 12/8/2025 | Credit | Title or Lien | Title Insurance Coverage - Inadequate Coverage | XXX title insurance coverage < XXX minimum coverage required. | XX/XX/XXXX: Waived via overlay | XXX: Waived via overlay | DSCR XXX FICO XXX months reserves | Acknowledged | 12/8/2025 | B | B | B | B | B | B | B | B | B | B | B | B | |
| XXX | XXXXX | 304895014 | XXX-12608 | 12/8/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear | Cleared | 12/8/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 304908707 | XXX-12621 | 12/8/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear | Cleared | 12/8/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 304848521 | 10011334266 | 9/9/2025 | Property | Insurance | Hazard Insurance Missing or Defective | Hazard insurance in file is a premium estimate. Missing additional interested party and mortgagee clause. | XX/XX/XXXX: Uploaded | XXX: Clear | Cleared | 11/20/2025 | C | A | C | A | C | A | C | A | C | A | C | A | ||
| XXX | XXXXX | 304848475 | 9974179807 | 9/4/2025 | Credit | Asset Calculation/Analysis | Insufficient Assets for Reserves | Insuffcient assets for reserves: Borrower has XXX XX/XX/XXXX months reserves < XXX months reserve minimum per guidelines. Not utilizing XXX Acct #XXX, most recent statement balance is from XX/XX/XXXX XXX, greater than XXX months from origination | XX/XX/XXXX: Team - please waive XXX) XXX yr PPP and XXX) closed XXX% below max lev | XXX: Waived | FICO XXX% LTV, 5yr PPP | Acknowledged | 9/17/2025 | C | B | C | B | C | B | C | B | C | B | C | B | |
| XXX | XXXXX | 304779741 | XXX-142 | 9/9/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear | Cleared | 9/9/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 304728948 | XXX-106 | 7/2/2025 | Credit | Application/Processing | Entity Documentation - Missing or Defective | Missing Articles Of Organization for XXX | XX/XX/XXXX: Please see attached. Starts on page XXX | XXX: Received | Cleared | 7/15/2025 | D | A | D | A | D | A | D | A | D | A | D | A | ||
| XXX | XXXXX | 304898583 | XXX-78 | 12/12/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear | Cleared | 12/12/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 304898534 | XXX-39 | 12/11/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear | Cleared | 12/11/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 304495494 | 8445862749 | 2/10/2025 | Credit | Closing Documentation | Deed Missing or Defective | Missing conveyance deed from XXX | XXX: WD | XXX: Received conveyance deed. | Cleared | 2/14/2025 | D | A | D | A | D | A | D | A | D | A | D | A | ||
| XXX | XXXXX | 304495494 | 8446284789 | 2/10/2025 | Property | Property Eligibility | Ineligible Project – Other Charter Violation | Condo project contains significant deferred maintenance due to stairs/decks and balcony still being under construction. Per UWG, projects with significant deferred maintenance are ineligible. | XXX: NQM exception approval in file. | XXX: NQM exception approval received. | XXX months reserves greater than program requirement, DSCR > XX/XX/XXXX | Acknowledged | 2/10/2025 | D | B | D | B | D | B | D | B | D | B | D | B | |
| XXX | XXXXX | 304866893 | 18067855688 | 9/29/2025 | Credit | Closing Documentation | Deed Missing or Defective | Missing Conveyance Deed from XXX | XXX: Deed | XXX: Received Deed | Resolved | 10/1/2025 | D | A | D | A | D | A | D | A | D | A | D | A | ||
| XXX | XXXXX | 304893335 | XXX-1 | 11/10/2025 | Credit | No Findings | No Findings | The loan meets all applicable guidelines. | Cleared | 11/10/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||||
| XXX | XXXXX | 304902654 | XXX-1 | 11/18/2025 | Credit | No Findings | No Findings | The loan meets all applicable guidelines. | Cleared | 11/18/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||||
| XXX | XXXXX | 304902722 | XXX-1 | 11/20/2025 | Credit | No Findings | No Findings | The loan meets all applicable guidelines. | Cleared | 11/20/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||||
| XXX | XXXXX | 304871809 | XXX-1 | 11/24/2025 | Credit | No Findings | No Findings | The loan meets all applicable guidelines. | Cleared | 11/24/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||||
| XXX | XXXXX | 304859641 | XXX-1 | 11/26/2025 | Credit | No Findings | No Findings | The loan meets all applicable guidelines. | Cleared | 11/26/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||||
| XXX | XXXXX | 304893083 | 10675852510 | 12/1/2025 | Property | Property Eligibility | Ineligible Property | Subject Property: XXX is a Single Family Residence, and is leasing individual rooms. Per guides, properties offering individual room leases are ineligible. | XXX: Exception Approval uploaded | XXX: Received Exception Approval | Experienced Investor, XX/XX/XXXX DSCR, MTG ratings XXX on primary | Acknowledged | 12/2/2025 | C | B | C | B | C | B | C | B | C | B | C | B | |
| XXX | XXXXX | 305026823 | XXX-1 | 12/12/2025 | Credit | No Findings | No Findings | The loan meets all applicable guidelines. | Cleared | 12/12/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||||
| XXX | XXXXX | 305026778 | XXX-1 | 12/26/2025 | Credit | No Findings | No Findings | The loan meets all applicable guidelines. | Cleared | 12/26/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||||
| XXX | XXXXX | 305037633 | 11052829368 | 1/20/2026 | Property | Credit | Hazard Insurance Missing or Defective | Missing Hazard Insurance for Subject Property: XXX | XXX: Uploaded Hazard Policy | XXX: Received Hazard Policy | Cleared | 2/4/2026 | D | A | D | A | D | A | D | A | D | A | D | A | ||
| XXX | XXXXX | 305037633 | 11052837054 | 1/20/2026 | Property | Property Data Collection | Ineligible Property | Missing evidence of rental listing for subject property: XXX | XXX: Rescind | XXX: Rescind | Cleared | 1/30/2026 | D | A | D | A | D | A | D | A | D | A | D | A | ||
| XXX | XXXXX | 305037633 | 11052841432 | 1/20/2026 | Credit | Loan Documentation | Entity Documentation - Missing or Defective | Please provide and executed copy of the Operating Agreement for XXX | XXX: Rescind | XXX: Rescind | Cleared | 1/20/2026 | C | A | C | A | C | A | C | A | C | A | C | A | ||
| XXX | XXXXX | 305037637 | XXX-1 | 1/26/2026 | Credit | No Findings | No Findings | The loan meets all applicable guidelines. | Cleared | 1/26/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||||
| XXX | XXXXX | 305037573 | XXX-1 | 1/30/2026 | Credit | No Findings | No Findings | The loan meets all applicable guidelines. | Cleared | 1/30/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||||
| XXX | XXXXX | 305037746 | 11147274219 | 1/30/2026 | Credit | Title/Lien | Title Insurance Missing or Defective | Lender on Title Commitment does not match Lender on Note. Please upload Updated Title with ISAOA clause | XXX: Title Uploaded | XXX: Received Title | Cleared | 2/2/2026 | C | A | C | A | C | A | C | A | C | A | C | A | ||
| XXX | XXXXX | 305037699 | 11164349057 | 2/2/2026 | Credit | Title/Lien | Title Insurance Coverage - Inadequate Coverage | XXX title coverage < XXX minimum coverage required. Please provide with updated title report. | XXX: Updated Title Coverage | XXX: Updated Title Coverage | Cleared | 2/3/2026 | C | A | C | A | C | A | C | A | C | A | C | A | ||
| XXX | XXXXX | 305037649 | XXX-1 | 2/2/2026 | Credit | No Findings | No Findings | The loan meets all applicable guidelines. | Cleared | 2/2/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||||
| XXX | XXXXX | 305037610 | XXX-1 | 2/2/2026 | Credit | No Findings | No Findings | The loan meets all applicable guidelines. | Cleared | 2/2/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||||
| XXX | XXXXX | 304902425 | XXX-1 | 2/2/2026 | Credit | No Findings | No Findings | The loan meets all applicable guidelines. | Cleared | 2/2/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||||
| XXX | XXXXX | 305037648 | XXX-1 | 2/2/2026 | Credit | No Findings | No Findings | The loan meets all applicable guidelines. | Cleared | 2/2/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||||
| XXX | XXXXX | 305037578 | XXX-1 | 2/2/2026 | Credit | No Findings | No Findings | The loan meets all applicable guidelines. | Cleared | 2/2/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||||
| XXX | XXXXX | 305037681 | XXX-1 | 2/2/2026 | Credit | No Findings | No Findings | The loan meets all applicable guidelines. | Cleared | 2/2/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||||
| XXX | XXXXX | 305047765 | 11175426066 | 2/3/2026 | Credit | Credit | Note Missing or Defective | Missing Prepayment Addendum | XXX: PPP uploaded | XXX: Received PPP | Cleared | 2/12/2026 | D | A | D | A | D | A | D | A | D | A | D | A | ||
| XXX | XXXXX | 305047765 | 11175480246 | 2/3/2026 | Property | Appraisal | Appraisal Review - Missing | Missing Appraisal Review for subject property: XXX | XXX: BPO | XXX: Received BPO | Cleared | 2/6/2026 | D | A | D | A | D | A | D | A | D | A | D | A | ||
| XXX | XXXXX | 305037809 | XXX-1 | 2/3/2026 | Credit | No Findings | No Findings | The loan meets all applicable guidelines. | Cleared | 2/3/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||||
| XXX | XXXXX | 305037587 | XXX-1 | 2/4/2026 | Credit | No Findings | No Findings | The loan meets all applicable guidelines. | Cleared | 2/4/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||||
| XXX | XXXXX | 305037726 | XXX-1 | 2/4/2026 | Credit | No Findings | No Findings | The loan meets all applicable guidelines. | Cleared | 2/4/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||||
| XXX | XXXXX | 305037593 | XXX-1 | 2/4/2026 | Credit | No Findings | No Findings | The loan meets all applicable guidelines. | Cleared | 2/4/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||||
| XXX | XXXXX | 305037571 | XXX-1 | 2/4/2026 | Credit | No Findings | No Findings | The loan meets all applicable guidelines. | Cleared | 2/4/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||||
| XXX | XXXXX | 305050670 | XXX-1 | 2/5/2026 | Credit | No Findings | No Findings | The loan meets all applicable guidelines. | Cleared | 2/5/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||||
| XXX | XXXXX | 305050673 | XXX-1 | 2/5/2026 | Credit | No Findings | No Findings | The loan meets all applicable guidelines. | Cleared | 2/5/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||||
| XXX | XXXXX | 305050665 | XXX-1 | 2/5/2026 | Credit | No Findings | No Findings | The loan meets all applicable guidelines. | Cleared | 2/5/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||||
| XXX | XXXXX | 305050604 | XXX-1 | 2/5/2026 | Credit | No Findings | No Findings | The loan meets all applicable guidelines. | Cleared | 2/5/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||||
| XXX | XXXXX | 305050642 | XXX-1 | 2/5/2026 | Credit | No Findings | No Findings | The loan meets all applicable guidelines. | Cleared | 2/5/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||||
| XXX | XXXXX | 305050646 | XXX-1 | 2/5/2026 | Credit | No Findings | No Findings | The loan meets all applicable guidelines. | Cleared | 2/5/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||||
| XXX | XXXXX | 305047767 | 11199224918 | 2/5/2026 | Credit | Property Data Collection | Subject Property Lease - Missing or Defective | Lease Agreement for tenant XXX in unit XXX expires XX/XX/XXXX with no renewal provisions | XXX: Uploaded Exception Waiver | XXX: Received Exception Waiver | DSCR > XXX LTV under XXX% XXX months reserves | Acknowledged | 2/18/2026 | C | B | C | B | C | B | C | B | C | B | C | B | |
| XXX | XXXXX | 305050658 | XXX-1 | 2/6/2026 | Credit | No Findings | No Findings | The loan meets all applicable guidelines. | Cleared | 2/6/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||||
| XXX | XXXXX | 305050651 | XXX-1 | 2/6/2026 | Credit | No Findings | No Findings | The loan meets all applicable guidelines. | Cleared | 2/6/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||||
| XXX | XXXXX | 305050598 | XXX-1 | 2/6/2026 | Credit | No Findings | No Findings | The loan meets all applicable guidelines. | Cleared | 2/6/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||||
| XXX | XXXXX | 305050626 | XXX-1 | 2/6/2026 | Credit | No Findings | No Findings | The loan meets all applicable guidelines. | Cleared | 2/6/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||||
| XXX | XXXXX | 305050678 | XXX-1 | 2/6/2026 | Credit | No Findings | No Findings | The loan meets all applicable guidelines. | Cleared | 2/6/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||||
| XXX | XXXXX | 305050579 | 11243781090 | 2/10/2026 | Credit | Loan Documentation | Entity Documentation - Missing or Defective | The Title Commitment reflects the subject property as vested in XXX XXX. Please provide the Operating Agreement for XXX XXX to confirm that borrowers XXX are the owners of this entity. | XXX: Quit Claim Deed | XXX: Received Quit Claim Deed | Cleared | 2/11/2026 | C | A | C | A | C | A | C | A | C | A | C | A | ||
| XXX | XXXXX | 305037774 | 11241605195 | 2/10/2026 | Credit | Borrower and Mortgage Eligibility | Excessive LTV Ratio | XXX% LTV > XXX% max LTV for a cash-out refinance with a credit score of XXX | XXX: Exception Approval Uploaded | XXX: Received Exception Approval | Experienced Investor, FICO > XXX DSCR > XX/XX/XXXX | Acknowledged | 2/11/2026 | C | B | C | B | C | B | C | B | C | B | C | B | |
| XXX | XXXXX | 305037607 | XXX-1 | 2/10/2026 | Credit | No Findings | No Findings | The loan meets all applicable guidelines. | Cleared | 2/10/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||||
| XXX | XXXXX | 305050502 | XXX-1 | 2/12/2026 | Credit | No Findings | No Findings | The loan meets all applicable guidelines. | Cleared | 2/12/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||||
| XXX | XXXXX | 305050428 | 11261166717 | 2/12/2026 | Credit | Title/Lien | Title Insurance Coverage - Inadequate Coverage | Title coverage of XXX < XXX minimum required. | XXX: Title report | XXX: Received updated Title Report | Cleared | 2/13/2026 | C | A | C | A | C | A | C | A | C | A | C | A | ||
| XXX | XXXXX | 305037570 | XXX-1 | 2/12/2026 | Credit | No Findings | No Findings | The loan meets all applicable guidelines. | Cleared | 2/12/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||||
| XXX | XXXXX | 305050507 | XXX-1 | 2/12/2026 | Credit | No Findings | No Findings | The loan meets all applicable guidelines. | Cleared | 2/12/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||||
| XXX | XXXXX | 305050504 | XXX-1 | 2/12/2026 | Credit | No Findings | No Findings | The loan meets all applicable guidelines. | Cleared | 2/12/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||||
| XXX | XXXXX | 305050570 | XXX-1 | 2/12/2026 | Credit | No Findings | No Findings | The loan meets all applicable guidelines. | Cleared | 2/12/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||||
| XXX | XXXXX | 305050517 | XXX-1 | 2/13/2026 | Credit | No Findings | No Findings | The loan meets all applicable guidelines. | Cleared | 2/13/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||||
| XXX | XXXXX | 305050522 | XXX-1 | 2/13/2026 | Credit | No Findings | No Findings | The loan meets all applicable guidelines. | Cleared | 2/13/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||||
| XXX | XXXXX | 305050664 | XXX-1 | 2/13/2026 | Credit | No Findings | No Findings | The loan meets all applicable guidelines. | Cleared | 2/13/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||||
| XXX | XXXXX | 305047764 | XXX-1 | 2/16/2026 | Credit | No Findings | No Findings | The loan meets all applicable guidelines. | Cleared | 2/16/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||||
| XXX | XXXXX | 305037583 | XXX-1 | 2/18/2026 | Credit | No Findings | No Findings | The loan meets all applicable guidelines. | Cleared | 2/18/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||||
| XXX | XXXXX | 305050614 | XXX-1 | 2/19/2026 | Credit | No Findings | No Findings | The loan meets all applicable guidelines. | Cleared | 2/19/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||||
| XXX | XXXXX | 305050523 | XXX-1 | 2/19/2026 | Credit | No Findings | No Findings | The loan meets all applicable guidelines. | Cleared | 2/19/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||||
| XXX | XXXXX | 305050417 | 11328989255 | 2/20/2026 | Property | Insurance | Hazard Insurance Missing or Defective | Hazard Insurance effective date of XX/XX/XXXX is after the disbursement date of XX/XX/XXXX. Please provide updated coverage effective on or before the disbursement date. | XX/XX/XXXX: loan did not disburse/fund until XX/XX/XXXX. see final settlement statement | XXX: Received final settlement statement | Cleared | 2/24/2026 | C | A | C | A | C | A | C | A | C | A | C | A | ||
| XXX | XXXXX | 305050660 | XXX-1 | 2/20/2026 | Credit | No Findings | No Findings | The loan meets all applicable guidelines. | Cleared | 2/20/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||||
| XXX | XXXXX | 305050501 | 11327856341 | 2/20/2026 | Property | Insurance | Hazard Insurance Missing or Defective | Hazard Insurance effective date of XX/XX/XXXX is after the disbursement date of XX/XX/XXXX. Please provide updated coverage effective on or before the disbursement date. | XXX: Final Settlement Statement | XXX: Received final settlement statement | Cleared | 2/23/2026 | C | A | C | A | C | A | C | A | C | A | C | A | ||
| XXX | XXXXX | 305050583 | XXX-1 | 2/23/2026 | Credit | No Findings | No Findings | The loan meets all applicable guidelines. | Cleared | 2/23/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||||
| XXX | XXXXX | 305037783 | XXX-1 | 2/24/2026 | Credit | No Findings | No Findings | The loan meets all applicable guidelines. | Cleared | 2/24/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||||
| XXX | XXXXX | 305050580 | XXX-1 | 2/24/2026 | Credit | No Findings | No Findings | The loan meets all applicable guidelines. | Cleared | 2/24/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||||
| XXX | XXXXX | 305050557 | 11366281049 | 2/25/2026 | Credit | Assets | Insufficient Assets to Close | XXX Assets < XXX Minimum required liquidity for reserves. Please provide additional assets. | XXX: Uploaded Settlement Statement from concurrent cash-out loan | XXX: Received Settlement Statement from concurrent cash-out loan | Cleared | 2/26/2026 | C | A | C | A | C | A | C | A | C | A | C | A | ||
| XXX | XXXXX | 304844044 | XXX-1 | 9/17/2025 | Credit | No Findings | No Findings | The loan meets all applicable guidelines | Cleared | 9/17/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||||
| XXX | XXXXX | 304731515 | 10087162858 | 9/18/2025 | Credit | Credit | Closing Disclosure/Settlement Statement Missing or Defective | Missing final Settlement Statement, only HUD in file is an Estimated Closing Statement. | XXX: Docs uploaded | XXX: Received | Cleared | 9/19/2025 | D | A | D | A | D | A | D | A | D | A | D | A | ||
| XXX | XXXXX | 304731515 | 10087318351 | 9/18/2025 | Property | Insurance | Hazard Insurance Missing or Defective | Hazard Insurance includes Extended Coverage. Please provide a description of the policy's Extended Coverage to confirm XXX coverage | XXX: Uploaded extended coverage | XXX: Received extended coverage | Cleared | 9/26/2025 | C | A | C | A | C | A | C | A | C | A | C | A | ||
| XXX | XXXXX | 304859560 | 18184534088 | 10/14/2025 | Credit | Loan Documentation | Entity Documentation - Missing or Defective | Missing Executed Operating Agreement for borrowing entity, XXX | XXX: OA | XXX: Received OA | Cleared | 10/23/2025 | D | A | D | A | D | A | D | A | D | A | D | A | ||
| XXX | XXXXX | 304844211 | XXX-1 | 10/14/2025 | Credit | No Findings | No Findings | The loan meets all applicable guidelines. | Cleared | 10/14/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||||
| XXX | XXXXX | 304859560 | 18184487932 | 10/14/2025 | Credit | Borrower and Mortgage Eligibility | Guaranty Missing or Defective | Missing Personal Guarantees from borrowers XXX | XXX: Guaranty | XXX: Received guaranty | Cleared | 10/23/2025 | D | A | D | A | D | A | D | A | D | A | D | A | ||
| XXX | XXXXX | 304859755 | XXX-1 | 10/22/2025 | Credit | No Findings | No Findings | The loan meets all applicable guidelines. | Cleared | 10/22/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||||
| XXX | XXXXX | 304893526 | FCRE1186 | 12/16/2025 | Credit | Eligibility | Audited DTI Exceeds AUS DTI | Audited DTI of XXX% exceeds AUS DTI of XXX% XXX was excluded by the lender. Auto leases are not allowed to be excluded for < XXX payment left. Missing documentation to support account is paid in full/closed. Liabilities increased from XXX to XXX The DTI has increased from XXX% to XXX%. Due to the increase above XXX% Resubmission to the AUS is required or provide proof the Auto lease is paid and closed with Zero Balance to support omission. | revised du, XXX & XXX upld | Audited DTI of XXX% is less than or equal to AUS DTI of XXX%. Resubmitted DU provided to include previously omitted lease. DTI meets guidelines. Condition cleared. | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/16/2025 | C | A | C | A | C | A | C | A | C | A | C | A | |
| XXX | XXXXX | 304893526 | FCOM8997 | 12/3/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/3/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 304893526 | FPRO8998 | 12/3/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/3/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305035829 | FCOM8997 | 1/7/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | informational | XXX is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 1/7/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305035829 | FCRE8999 | 1/7/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | informational | XXX is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 1/7/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305035829 | FPRO8998 | 1/7/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | informational | XXX is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 1/7/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305035828 | FCOM8997 | 12/22/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | Borrower has stable job time - Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/22/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305035828 | FCRE8999 | 12/22/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | Borrower has stable job time - Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/22/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305035828 | FPRO8998 | 12/22/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | Borrower has stable job time - Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/22/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305035823 | FCRE8999 | 1/7/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | informational | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 1/7/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305035823 | FPRO8998 | 1/7/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | informational | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 1/7/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305035823 | FCOM8997 | 1/7/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | informational | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 1/7/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305031009 | finding-3634 | 12/23/2025 | Compliance | TRID Tolerance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (12 CFR §XXX(e)(XXX)(i) he loan contains charges that exceed the good faith determination according to §XXX(e)(XXX)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX(e)(XXX)(i). TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of XXX is due to increase from XXX to XXX for the Appraisal Fee. The increase to the Appraisal fee on the LE dated XX/XX/XXXX was not accepted. The file did contain a COC dated XX/XX/XXXX on page XXX however, the reason for the increase is not acceptable reason to increase the fee. Please provide a valid COC or cure package. | Document Uploaded. PCCD, LOE, copy of check, tracking; Document Uploaded. COC and redisclosure uploaded | Cure package provided to the borrower; exception downgraded to a XXX/B; COC reviewed and reason for the increase is invalid. Appraisal invoice in file does not verify any additional services provided. Please provide a cure package for the tolerance violation. | Borrower has stable job time - Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Cured | C | B | C | B | C | B | C | B | C | B | C | B | ||
| XXX | XXXXX | 305031009 | FCRE8999 | 12/16/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | Borrower has stable job time - Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/16/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305031009 | FPRO8998 | 12/16/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | Borrower has stable job time - Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/16/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 304911758 | FCOM8997 | 12/9/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/9/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 304911758 | FCRE8999 | 12/9/2025 | Credit | Data | No Credit Findings | No credit findings The loan meets all applicable credit guidelines. | Informational | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/9/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 304911758 | FPRO8998 | 12/9/2025 | Property | Data | No Property Findings | No property findings. Property and valuations related findings were not identified on the loan. | Informational | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/9/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305035818 | FCOM8997 | 1/8/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | XXX is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 1/8/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305035818 | FPRO8998 | 1/8/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | XXX is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 1/8/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305035818 | FCRE8999 | 1/8/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | XXX is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 1/8/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305035817 | FCRE8999 | 12/31/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | XXX is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 12/31/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305035817 | FPRO8998 | 12/31/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | XXX is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 12/31/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305035817 | FCOM8997 | 12/31/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | XXX is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 12/31/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 304869180 | FPRO8998 | 12/8/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 12/8/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 304869180 | FCRE8999 | 12/8/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 12/8/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 304872535 | FCOM1227 | 1/29/2026 | Credit | Missing Doc | PUD Rider is Missing | PUD Rider is Missing | XX/XX/XXXX - XXX: Please see the attached revised security instrument that includes the PUD Rider. | The PUD Rider is Present or is Not Applicable (XXX is PUD) | Borrower has stable job time - Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 1/29/2026 | D | A | D | A | D | A | D | A | D | A | D | A | |
| XXX | XXXXX | 304872535 | FCOM8997 | 12/3/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | Borrower has stable job time - Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/3/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 304872535 | FPRO8998 | 12/3/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | Borrower has stable job time - Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/3/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305035812 | FCOM8997 | 1/7/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | informational | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 1/7/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305035812 | FCRE8999 | 1/7/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | informational | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 1/7/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305035812 | FPRO8998 | 1/7/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | informational | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 1/7/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 304903051 | FCRE1185 | 12/12/2025 | Credit | Missing Doc | AUS Partially Provided | AUS Partially Provided Provide AUS only ineligible for XXX. #XXX must be removed. | Document Uploaded. | AUS is not incomplete | XXX is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/12/2025 | D | A | D | A | D | A | D | A | D | A | D | A | |
| XXX | XXXXX | 304903051 | FCRE8999 | 12/5/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only; Informational Only | XXX is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/5/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 304903051 | FCOM8997 | 12/5/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only; Informational Only | XXX is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/5/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 304903051 | FPRO8998 | 12/5/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only; Informational Only | XXX is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/5/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 304859503 | FVAL9739 | 11/4/2025 | Property | Appraisal | Property/Appraisal General | Property/Appraisal guideline violation: Lender exception request for approval to proceed with a cash-out refinance although the property was listed for sale within the last six months. Approved on XX/XX/XXXX by Lender | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | XXX is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Borrower has stable job time - Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Acknowledged | No | C | B | C | B | C | B | C | B | C | B | C | B | |||
| XXX | XXXXX | 304859503 | finding-3652 | 11/4/2025 | Compliance | TRID Tolerance | Lender Credits That Cannot Decrease Test | This loan failed the lender credits that cannot decrease test. (12 CFR §XXX(e)(XXX)(i) he loan contains charges that exceed the good faith determination according to §XXX(e)(XXX)(i). The final sum of specific and non-specific lender credits XXX does not exceed or equal the comparable sum of specific and non-specific lender credits ($XXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX(e)(XXX)(i). TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, copy of refund check, and proof of delivery or valid COC. The Lender credit decrease violation in the amount of XXX is due to the decrease of the Lender credit from XXX on the initial LE dated XX/XX/XXXX to XXX on the CD dated XX/XX/XXXX without valid COC. COC verifies change date of XX/XX/XXXX which was redisclosed on XX/XX/XXXX. | Document Uploaded. | Valid COC provided; Exception resolved; Valid COC provided; Exception resolved | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | XXX is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Borrower has stable job time - Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 11/4/2025 | C | A | C | A | C | A | C | A | C | A | C | A | |
| XXX | XXXXX | 304859503 | FCRE7497 | 11/4/2025 | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | New Primary residence being purchased at XXX is missing in the file the verification of the new principal and interest payment, the property tax and insurance is in the file. Full PITIa XXX used to qualify in DTI is not supported in file. | Document Uploaded. | Verification of PITIA for XXX XXX was provided. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | XXX is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Borrower has stable job time - Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 11/4/2025 | D | A | D | A | D | A | D | A | D | A | D | A | |
| XXX | XXXXX | 304902534 | FCOM8997 | 1/29/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | Borrower has stable job time - Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | XXX is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 1/29/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 304902534 | FPRO8998 | 1/29/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | Borrower has stable job time - Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | XXX is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 1/29/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 304902534 | FCRE8999 | 1/29/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | Borrower has stable job time - Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | XXX is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 1/29/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 304902363 | finding-3635 | 2/24/2026 | Compliance | TRID Tolerance | Charges That In Total Cannot Increase More Than 10% Test | This loan failed the charges that in total cannot increase more than XXX% test. (12 CFR §XXX(e)(XXX)(ii) he loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §XXX(e)(XXX)(ii). The final charges that in total cannot increase more than XXX% XXX exceed the comparable charges XXX by more than XXX% Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures n estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §XXX(e)(XXX)(i) by more than XXX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §XXX(e)(XXX)(vi). TILA 130b Cure Required Refund in the amount of XXX Cure Package requires a PCCD, LOE, Copy of refund check and proof of delivery to the borrower OR Valid COC. The XXX% tolerance violation is due to the increase of the Recording Fee from XXX to XXX on the Final CD and no COC was found in the file explaining the reason for why the fee increased. Please provide a Valid COC or Cure Package | Document Uploaded. | Cure package provided to the borrower; exception downgraded to a XXX/B; Cure package provided to the borrower; exception downgraded to a XXX/B | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | XXX is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Cured | C | B | C | B | C | B | C | B | C | B | C | B | ||
| XXX | XXXXX | 304902363 | finding-3352 | 2/24/2026 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § XXX(a)(XXX) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded | HPML compliant | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | XXX is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 2/24/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 304902363 | FCRE8999 | 2/20/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | XXX is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 2/20/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 304902363 | FPRO8998 | 2/20/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | XXX is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 2/20/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305050684 | finding-3634 | 2/24/2026 | Compliance | TRID Tolerance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (12 CFR §XXX(e)(XXX)(i) he loan contains charges that exceed the good faith determination according to §XXX(e)(XXX)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX(e)(XXX)(i). TILA 130b Cure Required Refund in the amount of XXX Cure package requires a PCCD, LOE, Copy of refund check and proof of delivery to the borrower OR Valid COC. The Zero tolerance violation is due to the Appraisal Fee increase from XXX to XXX on the LE dated XX/XX/XXXX and no COC was found in the file explaining the reason for the increase. Please provide a Valid COC or Cure Package | Document Uploaded. ; Document Uploaded. | Cure package provided to the borrower; exception downgraded to a XXX/B; Cure package provided to the borrower; exception downgraded to a XXX/B; COC did provide a valid reason for the fee to increase, in addition the appraisal was ordered in Nov and paid for by the borrower in Dec, however it wasn't disclosed until XX/XX/XXXX which is not considered timely | XXX is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Cured | C | B | C | B | C | B | C | B | C | B | C | B | ||
| XXX | XXXXX | 305050684 | FCRE8999 | 2/12/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | XXX is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 2/12/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305050684 | FPRO8998 | 2/12/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | XXX is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 2/12/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305037801 | finding-3352 | 2/4/2026 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § XXX(a)(XXX) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded | HPML compliant | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 2/4/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305037801 | FCRE8999 | 2/4/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 2/4/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305037801 | FPRO8998 | 2/4/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 2/4/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305050681 | FCOM8997 | 2/10/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 2/10/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305050681 | FCRE8999 | 2/10/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 2/10/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305050681 | FPRO8998 | 2/10/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 2/10/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305037786 | finding-3352 | 2/12/2026 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § XXX(a)(XXX) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded | HPML compliant | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 2/12/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305037786 | FCRE8999 | 2/12/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 2/12/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305037786 | FPRO8998 | 2/12/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 2/12/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305037778 | FCOM8997 | 2/2/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Cleared | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 2/2/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305037778 | FCRE8999 | 2/2/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | Cleared | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 2/2/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305037778 | FPRO8998 | 2/2/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Cleared | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 2/2/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305050668 | FCRE1196 | 2/26/2026 | Credit | Eligibility | Audited HCLTV Exceeds Guideline HCLTV | Audited HLTV of XXX% exceeds Guideline HCLTV of XXX% Rural property per the appraisal. Lender exception not found in the file. | Document Uploaded. | Client exception provided. Client stated, "LTV Exception Approved." Comp Factor #XXX: Strong Pay History Comp Factor #XXX: Residual Income is high Comp Factor #XXX: Value well supported | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Acknowledged | No | C | B | C | B | C | B | C | B | C | B | C | B | |
| XXX | XXXXX | 305050668 | FCRE1195 | 2/26/2026 | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV | Audited CLTV of XXX% exceeds Guideline CLTV of XXX% Rural property per the appraisal. Lender exception not found in the file. | Document Uploaded. | Client exception provided. Client stated, "LTV Exception Approved." Comp Factor #XXX: Strong Pay History Comp Factor #XXX: Residual Income is high Comp Factor #XXX: Value well supported | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Acknowledged | No | C | B | C | B | C | B | C | B | C | B | C | B | |
| XXX | XXXXX | 305050668 | FCRE1194 | 2/26/2026 | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Audited LTV of XXX% exceeds Guideline LTV of XXX% Rural property per the appraisal. Lender exception not found in the file. | Document Uploaded. | Client exception provided. Client stated, "LTV Exception Approved." Comp Factor #XXX: Strong Pay History Comp Factor #XXX: Residual Income is high Comp Factor #XXX: Value well supported | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Acknowledged | No | C | B | C | B | C | B | C | B | C | B | C | B | |
| XXX | XXXXX | 305050668 | finding-3352 | 2/25/2026 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § XXX(a)(XXX) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded | HPML compliant | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 2/25/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305050668 | FPRO8998 | 2/25/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 2/25/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305037738 | FCRE8999 | 2/11/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | Borrower has stable job time - Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 2/11/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305037738 | FPRO8998 | 2/11/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | Borrower has stable job time - Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 2/11/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305037738 | FCOM8997 | 2/11/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | Borrower has stable job time - Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 2/11/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305037737 | FCRE8999 | 2/3/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 2/3/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305037737 | FPRO8998 | 2/3/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 2/3/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305037737 | FCOM8997 | 2/3/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 2/3/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305050657 | finding-3634 | 2/13/2026 | Compliance | TRID Tolerance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (12 CFR §XXX(e)(XXX)(i) he loan contains charges that exceed the good faith determination according to §XXX(e)(XXX)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX(e)(XXX)(i). TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of XXX is due to the increase of the discount points fee from XXX to XXX and the Broker fee from XXX to XXX on the final CD dated XX/XX/XXXX without valid COC. | Document Uploaded. | Valid COC provided; Exception resolved; Valid COC provided; Exception resolved | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | XXX is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 2/13/2026 | C | A | C | A | C | A | C | A | C | A | C | A | |
| XXX | XXXXX | 305050657 | FPRO8998 | 2/6/2026 | Property | Data | No Property Findings | No property findings. Property and valuations related findings were not identified on the loan. | Informational | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | XXX is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 2/6/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305050657 | FCRE8999 | 2/6/2026 | Credit | Data | No Credit Findings | No credit findings. The loan meets all applicable credit guidelines. | Informational | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | XXX is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 2/6/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305050649 | FCOM8997 | 2/6/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 2/6/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305050649 | FCRE8999 | 2/6/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 2/6/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305050649 | FPRO8998 | 2/6/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 2/6/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305037695 | FCRE1440 | 2/12/2026 | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Housing History Does Not Meet Guideline Requirements Guidelines state that living rent free is not allowed when there are rent amounts listed on the XXX There is a letter of explanation in the file stating the borrower has lived rent free since XXX Lender exception not found. | Document Uploaded. | Housing History Meets Guideline Requirements; Exception provided by client. ; Housing History Does Not Meet Guideline Requirements Guidelines state that living rent free is not allowed when there are rent amounts listed on the XXX There is a letter of explanation in the file stating the borrower has lived rent free since XXX Lender exception not found. | Borrower has stable job time - Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 2/12/2026 | C | A | C | A | C | A | C | A | C | A | C | A | |
| XXX | XXXXX | 305037695 | finding-3352 | 2/5/2026 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML Compliant This loan failed the higher-priced mortgage loan test. (12 CFR § XXX(a)(XXX) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | HPML compliant | Borrower has stable job time - Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 2/5/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305037695 | finding-2623 | 2/5/2026 | Compliance | Points & Fees | MD COMAR Higher-Priced Mortgage Loan Test | HPML Compliant This loan failed the XXX higher-priced mortgage loan test. (XXX(XXX), XXX(XXX) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the Code of XXX Regulations (XXX) hile the XXX provisions specify that lenders can legally make this type of loan subject to certain disclosure requirements, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | HPML compliant | Borrower has stable job time - Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 2/5/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305037695 | FPRO8998 | 2/5/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | Borrower has stable job time - Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 2/5/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305037680 | FCOM3608 | 2/18/2026 | Compliance | Missing Doc | Intent to Proceed is Missing | The intent to proceed is missing. Documentation Required: Intent to proceed | Document Uploaded. | Proof of Intent to Proceed has been provided. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 2/18/2026 | B | A | B | A | B | A | B | A | B | A | B | A | |
| XXX | XXXXX | 305037680 | FCRE8999 | 2/6/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 2/6/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305037680 | FPRO8998 | 2/6/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 2/6/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305037679 | FCOM8997 | 2/12/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Hi there! - do you need anything from us to clear this condition? - Thx | Informational | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 2/12/2026 | A | A | A | A | A | A | A | A | A | A | A | A | |
| XXX | XXXXX | 305037679 | FCRE8999 | 2/12/2026 | Credit | Data | No Credit Findings | No credit findings. The loan meets all applicable credit guidelines. | Hi there! - do you need anything from us to clear this condition? - Thx | Informational | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Acknowledged | Yes | A | A | A | A | A | A | A | A | A | A | A | A | |
| XXX | XXXXX | 305037679 | FPRO8998 | 2/12/2026 | Property | Data | No Property Findings | No property findings. Property and valuations related findings were not identified on the loan. | Hi there! - do you need anything from us to clear this condition? - Thx | Informational | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Acknowledged | Yes | A | A | A | A | A | A | A | A | A | A | A | A | |
| XXX | XXXXX | 305037674 | FCOM8997 | 2/6/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 2/6/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305037674 | FCRE8999 | 2/6/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 2/6/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305037674 | FPRO8998 | 2/6/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 2/6/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305050643 | finding-2962 | 2/27/2026 | Compliance | Points & Fees | CA AB 260 Higher-Priced Mortgage Loan Test | HPML loan with established escrows and met appraisal requirements. This loan failed the XXX AB XXX higher-priced mortgage loan test. (XXX AB XXX XXX Financial Code Division XX/XX/XXXX(a) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX Financial Code hile the XXX Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | HPML compliant | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 2/27/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305050643 | finding-3352 | 2/27/2026 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML loan with established escrows and met appraisal requirements. This loan failed the higher-priced mortgage loan test. (12 CFR § XXX(a)(XXX) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | HPML compliant | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 2/27/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305050643 | FCRE8999 | 2/27/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 2/27/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305050643 | FPRO8998 | 2/27/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 2/27/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305037659 | FCOM8997 | 2/12/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 2/12/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305037659 | FPRO8998 | 2/12/2026 | Property | Data | No Property Findings | No property findings. Property and valuations related findings were not identified on the loan. | Informational | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 2/12/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305037659 | FCRE8999 | 2/12/2026 | Credit | Data | No Credit Findings | No credit findings. The loan meets all applicable credit guidelines. | Informational | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 2/12/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305037653 | FCRE1440 | 2/10/2026 | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Housing History Does Not Meet Guideline Requirements The Lender Guideline requires a XXX month rental history. A VOR was provided, however, the property is a single family home (per Google search) and not an apartment. Therefore, proof of XXX months payments via cancelled checks or bank statements is required. The loan file includes proof of XXX months payments. | Document Uploaded. Please see guidelines for VORs.; Document Uploaded. Hi, per our UW - Our LTV is @ XXX% and borrowers mid FICO is XXX | Housing History Meets Guideline Requirements; Verified file is updated with: LTV is @ XXX% and borrowers mid FICO is XXX However, Housing History Does Not Meet Guideline Requirements The Lender Guideline requires a XXX month rental history. A VOR was provided, however, the property is a single family home (per Google search) and not an apartment. Therefore, proof of XXX months payments via cancelled checks or bank statements is required. The loan file includes proof of XXX months payments.; Housing History Does Not Meet Guideline Requirements The Lender Guideline requires a XXX month rental history. A VOR was provided, however, the property is a single family home (per Google search) and not an apartment. Therefore, proof of XXX months payments via cancelled checks or bank statements is required. The loan file includes proof of XXX months payments. | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 2/10/2026 | C | A | C | A | C | A | C | A | C | A | C | A | |
| XXX | XXXXX | 305037653 | FPRO8998 | 2/2/2026 | Property | Data | No Property Findings | No property findings. Property and valuations related findings were not identified on the loan. | Informational | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 2/2/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305037653 | FCOM8997 | 2/2/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 2/2/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305037652 | FCRE1193 | 2/24/2026 | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Audited DTI of XXX% exceeds Guideline DTI of XXX% The income is lower than lender total by $XXX. The account with XXX XXX #XXX matches up to the lender worksheet for the bank statement deposit breakdown but the totals are not matching for the total deposits. | Document Uploaded. The XXX XXX statement is the file and income was recalculated using XXX XXX instead of XXX XXX Please see correct income worksheet ; Thank you for the info. I do not have the worksheet, and we do not have access in this platform to see it. Can you email to me, XXX, or upload here. I need this to send over to my u/w and point out the differences. Appreciate it!; please provide your calculations used so we can compare to our income worksheet. Thank you. | Audited DTI of XXX% is less than or equal to Guideline DTI of XXX%; Audit Income Calculation Worksheet provided. Discrepancy observed between total income calculations for acct XXX. Lender calculation worksheet in file reflects a total of $XXX; however, audit calc totals $XXX. Countered. Please provide source for the additional allowable deposit. | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 2/24/2026 | C | A | C | A | C | A | C | A | C | A | C | A | |
| XXX | XXXXX | 305037652 | FCRE1183 | 2/24/2026 | Credit | Missing Doc | Approval/Underwriting Summary Partially Provided | Approval/Underwriting Summary Partially Provided. Client provided updated income worksheet with income reflected as XXX from this source. Final XXX and applicable docs reflect $XXX. Income does not match. Please provide evidence that income coincides throughout file. | Document Uploaded. | Approval/Underwriting Summary is fully present; XXX and XXX updated with corrected income. | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 2/24/2026 | B | A | B | A | B | A | B | A | B | A | B | A | |
| XXX | XXXXX | 305037652 | finding-2962 | 2/17/2026 | Compliance | Points & Fees | CA AB 260 Higher-Priced Mortgage Loan Test | This loan failed the XXX AB XXX higher-priced mortgage loan test. (XXX AB XXX XXX Financial Code Division XX/XX/XXXX(a) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX Financial Code hile the XXX Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded | HPML compliant | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 2/17/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305037652 | finding-3352 | 2/17/2026 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § XXX(a)(XXX) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded | HPML compliant | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 2/17/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305037652 | FPRO8998 | 2/17/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 2/17/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 304898135 | FCRE8999 | 11/11/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | XXX is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 11/11/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 304898135 | FPRO8998 | 11/11/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | XXX is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 11/11/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 304898135 | FCOM8997 | 11/11/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | XXX is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 11/11/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 304898120 | FCRE8999 | 11/7/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | XXX is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 11/7/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 304898120 | FCOM8997 | 11/7/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | XXX is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 11/7/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 304898120 | FPRO8998 | 11/7/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | XXX is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 11/7/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 304898098 | FCOM8997 | 11/20/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | XXX is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Borrower has stable job time - Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 11/20/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 304898098 | FCRE8999 | 11/20/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | XXX is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Borrower has stable job time - Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 11/20/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 304898098 | FPRO8998 | 11/20/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | XXX is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Borrower has stable job time - Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 11/20/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305037643 | finding-47 | 2/7/2026 | Compliance | Right to Rescind | TILA Right of Rescission Test | Cure Required: Right to cancel was signed by the borrower on XX/XX/XXXX and the expiration of the right to cancel is noted as XX/XX/XXXX. Per the Final CD, disbursement occurred on XX/XX/XXXX. Therefore, borrower did not receive XXX days to cancel. In order to cure rescission needs to be re-opened and a PCCD, LOE, copy of RTC with new XXX day rescission period and proof of delivery is required. This loan failed the TILA right of rescission test losed-end (12 CFR §XXX(a)(XXX), transferred from 12 CFR §XXX(a)(XXX)), Open-end (12 CFR §XXX(a)(XXX), transferred from 12 CFR §XXX(a)(XXX) he funding date is before the third business day following consummation he consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §XXX or §XXX, or delivery of all material disclosures, whichever occurs last. | Document Uploaded. | PCCD provided with updated disbursement date; Exception resolved; PCCD provided with updated disbursement date; Exception resolved | Borrower has stable job time - Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | XXX is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 2/7/2026 | C | A | C | A | C | A | C | A | C | A | C | A | |
| XXX | XXXXX | 305037643 | FPRO8998 | 2/2/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Cleared | Borrower has stable job time - Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | XXX is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 2/2/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305037643 | FCRE8999 | 2/2/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | Cleared | Borrower has stable job time - Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | XXX is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 2/2/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305037639 | FCRE8999 | 2/2/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | Cleared | Borrower has stable job time - Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 2/2/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305037639 | FPRO8998 | 2/2/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Cleared | Borrower has stable job time - Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 2/2/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305037639 | finding-3352 | 2/2/2026 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § XXX(a)(XXX) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Compliant | HPML compliant | Borrower has stable job time - Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 2/2/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305037634 | FCRE1198 | 2/13/2026 | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Audited Reserves of month(s) are less than Guideline Required Reserves of XXX month(s) Please provide additional asset statements to cover the required reserves of REO and subject. All investment REOs are financed and require XXX months in reserves per guidelines. There is a difference between lender and credit review final expense total to note. | Document Uploaded. | Assets and reserves appears sufficient. Rescinded. ; Audited Reserves of month(s) are less than Guideline Required Reserves of XXX month(s) Please provide additional asset statements to cover the required reserves of REO and subject. All investment REOs are financed and require XXX months in reserves per guidelines. There is a difference between lender and credit review final expense total to note. | Rescinded | C | A | C | A | C | A | C | A | C | A | C | A | |||
| XXX | XXXXX | 305037634 | FCRE9995 | 2/13/2026 | Credit | Assets | Audited Reserves are less than Guideline Required Reserves (Dollar Amount) | Audited Reserves of $ are less than Guideline Required Reserves of $XXX. Please provide additional asset statements to cover the required reserves of REO and subject. All investment REOs are financed and require XXX months in reserves per guidelines. There is a difference between lender and credit review final expense total to note. | Document Uploaded. | Assets and reserves appears sufficient. Rescinded. ; Audited Reserves of $ are less than Guideline Required Reserves of $XXX. Please provide additional asset statements to cover the required reserves of REO and subject. All investment REOs are financed and require XXX months in reserves per guidelines. There is a difference between lender and credit review final expense total to note. | Rescinded | C | A | C | A | C | A | C | A | C | A | C | A | |||
| XXX | XXXXX | 305037634 | FCRE3843 | 2/13/2026 | Credit | Eligibility | Guideline Seasoning not Met | The required number of months reserves are to be seasoned does not meet Guideline requirement. Please provide additional asset statements to cover the required reserves of REO and subject. All investment REOs are financed and require XXX months in reserves per guidelines. There is a difference between lender and credit review final expense total to note. | Document Uploaded. | Assets and reserves appears sufficient. Rescinded. ; The required number of months reserves are to be seasoned does not meet Guideline requirement. Please provide additional asset statements to cover the required reserves of REO and subject. All investment REOs are financed and require XXX months in reserves per guidelines. There is a difference between lender and credit review final expense total to note. | Rescinded | A | A | A | A | A | A | A | A | A | A | A | A | |||
| XXX | XXXXX | 305037634 | FCRE7497 | 2/13/2026 | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Please provide the missing mortgage verification documentation showing full PITI amount for the property at XXX. There are no documents other than HOA and the credit report to support this property's expenses. | Document Uploaded. | Statement for XXX provided. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | XXX is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 2/13/2026 | D | A | D | A | D | A | D | A | D | A | D | A | |
| XXX | XXXXX | 305037634 | FPRO8998 | 2/9/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | XXX is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 2/9/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305037634 | finding-2962 | 2/9/2026 | Compliance | Points & Fees | CA AB 260 Higher-Priced Mortgage Loan Test | This loan failed the XXX AB XXX higher-priced mortgage loan test. (XXX AB XXX XXX Financial Code Division XX/XX/XXXX(a) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX Financial Code hile the XXX Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Compliant. | HPML compliant | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | XXX is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 2/9/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305037634 | finding-3352 | 2/9/2026 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § XXX(a)(XXX) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Compliant. | HPML compliant | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | XXX is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 2/9/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305037629 | finding-3352 | 2/10/2026 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § XXX(a)(XXX) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. Non-QM loan | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 2/10/2026 | C | A | C | A | C | A | C | A | C | A | C | A | |||
| XXX | XXXXX | 305037629 | finding-2962 | 2/10/2026 | Compliance | Points & Fees | CA AB 260 Higher-Priced Mortgage Loan Test | This loan failed the XXX AB XXX higher-priced mortgage loan test. (XXX AB XXX XXX Financial Code Division XX/XX/XXXX(a) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX Financial Code hile the XXX Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. Non-QM loan | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 2/10/2026 | C | A | C | A | C | A | C | A | C | A | C | A | |||
| XXX | XXXXX | 305037629 | finding-3652 | 2/10/2026 | Compliance | TRID Tolerance | Lender Credits That Cannot Decrease Test | This loan failed the lender credits that cannot decrease test. (12 CFR §XXX(e)(XXX)(i) he loan contains charges that exceed the good faith determination according to §XXX(e)(XXX)(i). The final sum of specific and non-specific lender credits XXX does not exceed or equal the comparable sum of specific and non-specific lender credits ($XXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX(e)(XXX)(i). TILA 130b Cure required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The lender credit violation is due to increased Lender Credit from XXX to XXX on the final CD dated XXX. | Document Uploaded. attached | Valid COC provided; exception resolved; Valid COC provided; exception resolved | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 2/10/2026 | C | A | C | A | C | A | C | A | C | A | C | A | |
| XXX | XXXXX | 305037629 | FCRE9785 | 2/10/2026 | Credit | Missing Doc | Purchase Contract is Incomplete | XXX is Purchase but Purchase Contract Doc is Incomplete Please provide a Purchase Contract with the sales price of XXX | Document Uploaded. attached | Purchase Contract Doc is complete.; Amended Escrow Instructions provided with corrected sales prices. ; XXX is Purchase but Purchase Contract Doc is Incomplete Please provide a Purchase Contract with the sales price of XXX | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 2/10/2026 | B | A | B | A | B | A | B | A | B | A | B | A | |
| XXX | XXXXX | 305037624 | finding-1479 | 2/21/2026 | Compliance | Points & Fees | TX SB 1581 High-Cost Home Loan Credit Transaction Points and Fees Threshold Test | This loan failed the high-cost home loan credit transaction points and fees test due to one of the following findings: (XXX SB XXX Sec. XXX (XXX)(E) he date creditor received application is before XXX XXX; andThe total points and fees payable by the consumer at or before loan closing is XXX which exceeds the greater of XXX percent of the "total XXX" (as defined in the official commentary to paragraph XXX(a)(XXX)(ii)), or $XXX he date creditor received application is on or after XXX XXX; andThe XXX is XXX or more, and the transaction's total points and fees is XXX which exceeds XXX percent of the total XXX of $XXX; orThe XXX is less than XXX and the transaction's total points and fees is XXX which exceeds the lesser of XXX percent of the total XXX of XXX or $XXX. The following fees were included in the calculation: Mortgage Broker Fee (Indirect) XXX Points - Loan Discount Fee paid by Borrower: $XXX. The transaction is above allowable threshold by $XXX. No cure available, however, the file did not contain an undiscounted rate for bona fide discount point testing. | Document Uploaded. Hi, our XXX is not showing any Fail.; Please advise what is needed here. The XXX is Lender Paid comp, not borrower paid. | Undiscounted rate provided; exception resolved; Undiscounted rate provided; exception resolved; Lender paid compensation is required to be included in testing for federal XXX and state high cost. An undiscounted rate is not in file to determine if discount points can be excluded from testing. If discount points arent considered bona fide XXX SB XXX high cost has not cure provision available | XXX is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 2/21/2026 | C | A | C | A | C | A | C | A | C | A | C | A | |
| XXX | XXXXX | 305037624 | finding-3408 | 2/21/2026 | Compliance | Points & Fees | High-Cost Mortgage Late Fee Test | This loan failed the high-cost mortgage late charges test for one of the following reasons: (12 CFR §XXX(a)(XXX)(i) he loan provides for a late payment fee in excess of XXX% of the amount of the payment past due; orA value for the late charges amount was not provided ny late payment charge imposed in connection with a high-cost mortgage must be specifically permitted by the terms of the loan contract or open-end credit agreement and may not exceed XXX percent of the amount of the payment past due. No such charge may be imposed more than once for a single late payment. This loan failed the high-cost mortgage late charges test for one of the following reasons: (12 CFR §XXX(a)(XXX)(i)) The loan provides for a late payment fee in excess of XXX% of the amount of the payment past due. Any late payment charge imposed in connection with a high-cost mortgage must be specifically permitted by the terms of the loan contract or open-end credit agreement and may not exceed XXX percent of the amount of the payment past due. No such charge may be imposed more than once for a single late payment. | Undiscounted rate provided; exception resolved; Undiscounted rate provided; exception resolved | XXX is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 2/21/2026 | C | A | C | A | C | A | C | A | C | A | C | A | ||
| XXX | XXXXX | 305037624 | finding-3406 | 2/21/2026 | Compliance | Disclosure | High-Cost Mortgage Pre-Loan Counseling Date Test | This loan failed the high-cost mortgage pre-loan counseling date test due to one of the following findings: (12 CFR §XXX(a)(XXX)(i), (ii) he loan is a XXX RESPA loan and the High-Cost Mortgage Pre-Loan Counseling Date indicates the creditor did not receive written certification that the consumer has obtained counseling on the advisability of the mortgage after the consumer received either the good faith estimate or the disclosures required by 12 CFR §XXX; orThe loan is a XXX TRID loan and the High-Cost Mortgage Pre-Loan Counseling Date indicates the creditor did not receive written certification that the consumer has obtained counseling on the advisability of the mortgage after the consumer received either the initial loan estimate or the disclosures required by 12 CFR §XXX; orThe loan is a chattel loan and the High-Cost Mortgage Pre-Loan Counseling Date indicates the creditor did not receive written certification that the consumer has obtained counseling on the advisability of the mortgage after the consumer received the disclosures required by 12 CFR §XXX; orThe High-Cost Mortgage Pre-Loan Counseling Date was not provided; orThe High-Cost Mortgage Pre-Loan Counseling Date is on or after the XXX or estimated XXX ertification of counseling required. A creditor shall not extend a high-cost mortgage to a consumer unless the creditor receives written certification that the consumer has obtained counseling on the advisability of the mortgage from a counselor that is approved to provide such counseling by the Secretary of the U. Department of Housing and Urban Development or, if permitted by the Secretary, by a State housing finance authority.(ii) Timing of counseling. The counseling required under this paragraph (a)(XXX) must occur after:(A) The consumer receives either the disclosure required by section XXX(c) of the Real Estate Settlement Procedures Act of XXX (XXX U. XXX(c)) or the disclosures required by §XXX; or(B) The consumer receives the disclosures required by §XXX(c), for transactions in which neither of the disclosures listed in (A) are provided. The Section XXX Disclosure is missing. | Undiscounted rate provided; exception resolved; Undiscounted rate provided; exception resolved | XXX is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 2/21/2026 | C | A | C | A | C | A | C | A | C | A | C | A | ||
| XXX | XXXXX | 305037624 | finding-3352 | 2/21/2026 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § XXX(a)(XXX) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. The loan is an HPML and it meets the Escrow and Appraisal Requirements. | HPML compliant | XXX is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 2/21/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305037624 | finding-3393 | 2/21/2026 | Compliance | Points & Fees | High-Cost Mortgage Points and Fees Threshold Test | This loan failed the high-cost mortgage points and fees threshold test due to one of the following findings: (12 CFR §XXX(a)(XXX)(ii)(A), (B) he XXX is XXX or more, and the transaction's total points and fees is XXX which exceeds XXX percent of the total XXX of $XXX; orThe XXX is less than XXX and the transaction's total points and fees is XXX which exceeds the lesser of XXX percent of the total XXX of XXX or $XXX. The following fees were included in the calculation: Mortgage Broker Fee (Indirect) XXX Points - Loan Discount Fee paid by Borrower: $XXX. The transaction is above allowable threshold by $XXX. If Discount Points are bonafide and excludable, providing the PAR (undiscounted) rate may cure the violation. | Undiscounted rate provided; exception resolved; Undiscounted rate provided; exception resolved | XXX is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 2/21/2026 | C | A | C | A | C | A | C | A | C | A | C | A | ||
| XXX | XXXXX | 305037624 | finding-3399 | 2/21/2026 | Compliance | Disclosure | High-Cost Mortgage Timing of Disclosure Test | This loan failed the high-cost mortgage timing of disclosure test due to one of the following findings: (12 CFR §XXX(c) he High-Cost Mortgage Disclosure Date indicates the creditor did not furnish the disclosure required by 12 CFR §XXX at least three business days prior to the consummation or account opening of a high-cost mortgage; orThe High-Cost Mortgage Disclosure Date was not provided; orNeither the consummation date nor the XXX was provided. The Section XXX Disclosure is missing. | Undiscounted rate provided; exception resolved; Undiscounted rate provided; exception resolved | XXX is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 2/21/2026 | C | A | C | A | C | A | C | A | C | A | C | A | ||
| XXX | XXXXX | 305037624 | FPRO8998 | 2/13/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | XXX is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 2/13/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305037624 | FCRE8999 | 2/13/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | XXX is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 2/13/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305037617 | FCOM8997 | 2/5/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | XXX is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 2/5/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305037617 | FCRE8999 | 2/5/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | XXX is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 2/5/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305037617 | FPRO8998 | 2/5/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | XXX is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 2/5/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305037608 | finding-3634 | 2/18/2026 | Compliance | TRID Tolerance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (12 CFR §XXX(e)(XXX)(i) he loan contains charges that exceed the good faith determination according to §XXX(e)(XXX)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX(e)(XXX)(i). TILA XXX Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, and Copy of Refund Check, or Valid COC. The zero tolerance violation in the amount of XXX is due to the increase of the mortgage broker fee from XXX to XXX on the final CD dated XX/XX/XXXX without valid COC. | Document Uploaded. | Valid COC provided - exception resolved; Valid COC provided - exception resolved | XXX is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Borrower has stable job time - Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 2/18/2026 | C | A | C | A | C | A | C | A | C | A | C | A | |
| XXX | XXXXX | 305037608 | finding-3352 | 2/18/2026 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § XXX(a)(XXX) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded | HPML compliant | XXX is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Borrower has stable job time - Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 2/18/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305037608 | FCRE8999 | 2/16/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | XXX is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Borrower has stable job time - Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 2/16/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305037608 | FPRO8998 | 2/16/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | XXX is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Borrower has stable job time - Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 2/16/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305037602 | finding-3352 | 2/11/2026 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML Compliant This loan failed the higher-priced mortgage loan test. (12 CFR § XXX(a)(XXX) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | HPML compliant | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | XXX is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 2/11/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305037602 | FPRO8998 | 2/11/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | XXX is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 2/11/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305037602 | FCRE8999 | 2/11/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | XXX is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 2/11/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305037595 | finding-2962 | 2/17/2026 | Compliance | Points & Fees | CA AB 260 Higher-Priced Mortgage Loan Test | This loan failed the XXX AB XXX higher-priced mortgage loan test. (XXX AB XXX XXX Financial Code Division XX/XX/XXXX(a) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX Financial Code hile the XXX Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded | HPML compliant | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 2/17/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305037595 | finding-3352 | 2/17/2026 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § XXX(a)(XXX) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded | HPML compliant | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 2/17/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305037595 | FCRE8999 | 2/16/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 2/16/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305037595 | FPRO8998 | 2/16/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 2/16/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305050603 | finding-2962 | 2/10/2026 | Compliance | Points & Fees | CA AB 260 Higher-Priced Mortgage Loan Test | This loan failed the XXX AB XXX higher-priced mortgage loan test. (XXX AB XXX XXX Financial Code Division XX/XX/XXXX(a) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX Financial Code hile the XXX Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded | HPML compliant | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 2/10/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305050603 | finding-3352 | 2/10/2026 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § XXX(a)(XXX) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded | HPML compliant | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 2/10/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305050603 | FCRE8999 | 2/10/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 2/10/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305050603 | FPRO8998 | 2/10/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 2/10/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305037576 | FCOM8997 | 2/3/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | XXX is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 2/3/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305037576 | FCRE8999 | 2/3/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | XXX is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 2/3/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305037576 | FPRO8998 | 2/3/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | XXX is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 2/3/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305050596 | FPRO9990 | 3/3/2026 | Property | Third Party Valuation | Third Party Valuation Product Not Provided within 10% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. The FNMA UCDP score is XX/XX/XXXX and an AVM was not found in the loan file. | Document Uploaded. | Third party valuation product provided within tolerance.; TPV provided. | Borrower has stable job time - Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 3/3/2026 | C | A | C | A | C | A | C | A | C | A | C | A | |
| XXX | XXXXX | 305050596 | finding-3652 | 2/26/2026 | Compliance | TRID Tolerance | Lender Credits That Cannot Decrease Test | This loan failed the lender credits that cannot decrease test. (12 CFR §XXX(e)(XXX)(i) he loan contains charges that exceed the good faith determination according to §XXX(e)(XXX)(i). The final sum of specific and non-specific lender credits XXX does not exceed or equal the comparable sum of specific and non-specific lender credits ($XXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX(e)(XXX)(i). TILA 130b Cure required. Refund in the amount of $XXX. Cure Package requires a PCCD, LOE, Copy of refund check and proof of delivery to the borrower OR Valid COC. The Lender Credit decrease is due to the decrease of the Lender Credit from XXX to $XXX. Please provide a Valid COC or Cure Package | Document Uploaded. | Valid COC provided; exception resolved; Valid COC provided; exception resolved | Borrower has stable job time - Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 2/26/2026 | C | A | C | A | C | A | C | A | C | A | C | A | |
| XXX | XXXXX | 305050596 | FCRE8999 | 2/25/2026 | Credit | Data | No Credit Findings | No credit findings. The loan meets all applicable credit guidelines. | Informational | Borrower has stable job time - Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 2/25/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305037566 | FCRE2900 | 2/11/2026 | Credit | Missing Doc | Borrower Non-US Citizen Identification Document Missing | Non XXX Borrower is missing Identification Document. A non-XXX must document and prove that they are legally present in the country. They must have a valid social security card/number. All XXX must provide evidence of a valid, acceptable visa or an Employment Authorization Document (EAD). Depending on the EAD category type, both a valid visa and EAD may be required. A copy of the unexpired visa (refer to Expired visa requirements below) or EAD must be included in the loan file. Please provide the required documentation. | Document Uploaded. | Borrower Identification Document provided.; Identification uploaded. | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | XXX is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 2/11/2026 | D | A | D | A | D | A | D | A | D | A | D | A | |
| XXX | XXXXX | 305037566 | FPRO8998 | 2/10/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | XXX is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 2/10/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305037566 | finding-2962 | 2/10/2026 | Compliance | Points & Fees | CA AB 260 Higher-Priced Mortgage Loan Test | This loan failed the XXX AB XXX higher-priced mortgage loan test. (XXX AB XXX XXX Financial Code Division XX/XX/XXXX(a) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX Financial Code hile the XXX Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded | HPML compliant | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | XXX is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 2/10/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305037566 | finding-3352 | 2/10/2026 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § XXX(a)(XXX) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded | HPML compliant | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | XXX is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 2/10/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305050587 | FPRO8998 | 2/12/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | Borrower has stable job time - Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 2/12/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305050587 | FCRE8999 | 2/12/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | Borrower has stable job time - Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 2/12/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305050587 | finding-3352 | 2/12/2026 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Downgraded to Level XXX HPML compliant. This loan failed the higher-priced mortgage loan test. (12 CFR § XXX(a)(XXX) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | HPML compliant | Borrower has stable job time - Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 2/12/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305050548 | finding-2962 | 2/17/2026 | Compliance | Points & Fees | CA AB 260 Higher-Priced Mortgage Loan Test | This loan failed the XXX AB XXX higher-priced mortgage loan test. (XXX AB XXX XXX Financial Code Division XX/XX/XXXX(a) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX Financial Code hile the XXX Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded | HPML compliant | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 2/17/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305050548 | finding-3352 | 2/17/2026 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § XXX(a)(XXX) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded | HPML compliant | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 2/17/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305050548 | FCRE8999 | 2/16/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 2/16/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305050548 | FPRO8998 | 2/16/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 2/16/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305050524 | FCRE8999 | 2/12/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | XXX is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 2/12/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305050524 | FPRO8998 | 2/12/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | XXX is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 2/12/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305050524 | finding-3352 | 2/12/2026 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § XXX(a)(XXX) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded | HPML compliant | XXX is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 2/12/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305050515 | FCRE8999 | 3/2/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 3/2/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305050515 | FPRO8998 | 3/2/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 3/2/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305050515 | FCOM8997 | 3/2/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 3/2/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305050460 | finding-3352 | 2/27/2026 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML Complaint This loan failed the higher-priced mortgage loan test. (12 CFR § XXX(a)(XXX) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | HPML compliant | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 2/27/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305050460 | FCRE8999 | 2/27/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 2/27/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305050460 | FPRO8998 | 2/27/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 2/27/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305050423 | finding-3352 | 2/17/2026 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML loan with established escrows and met appraisal requirements. This loan failed the higher-priced mortgage loan test. (12 CFR § XXX(a)(XXX) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | HPML compliant | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 2/17/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305050423 | FCRE8999 | 2/17/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 2/17/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305050423 | FPRO8998 | 2/17/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 2/17/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305050412 | FPRO0947 | 2/17/2026 | Property | Property | External Obsolescence Present | External obsolescence present. External obsolescence present in file on appraisal showing subject's site is adjacent to a busy road, which have a slight negative affect on it's marketability. | Hi there! Are docs needed to clear this condition? - Thx | Rescinded. Not a required condition. | Rescinded | B | A | B | A | B | A | B | A | B | A | B | A | |||
| XXX | XXXXX | 305050412 | finding-3352 | 2/17/2026 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § XXX(a)(XXX) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded | HPML compliant | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 2/17/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305050412 | FCRE8999 | 2/16/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 2/16/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 304875038 | FPRO8998 | 12/9/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only; Informational Only | Borrower has stable job time - Borrower has XXX years on job. | XXX is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/9/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 304875038 | FCOM8997 | 12/9/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only; Informational Only | Borrower has stable job time - Borrower has XXX years on job. | XXX is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/9/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 304875038 | FCRE8999 | 12/9/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only; Informational Only | Borrower has stable job time - Borrower has XXX years on job. | XXX is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/9/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305035796 | FCOM8997 | 1/2/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 1/2/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305035796 | FCRE8999 | 1/2/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 1/2/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305035796 | FPRO8998 | 1/2/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 1/2/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305035788 | finding-3635 | 1/8/2026 | Compliance | TRID Tolerance | Charges That In Total Cannot Increase More Than 10% Test | TILA 130b Cure Required. Refund in the amount of XXX cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of XXX is due to the increase in recording fees on the revised LE. The COC in file indicates the reason for the increase was due to XXX change but that is not considered a valid reason for an increase in recording fees This loan failed the charges that in total cannot increase more than XXX% test. (12 CFR §XXX(e)(XXX)(ii) he loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §XXX(e)(XXX)(ii). The final charges that in total cannot increase more than XXX% XXX exceed the comparable charges XXX by more than XXX% Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures n estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §XXX(e)(XXX)(i) by more than XXX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §XXX(e)(XXX)(vi). | Document Uploaded. | Cure package provided to the borrower; exception downgraded to a XXX/B; Cure package provided to the borrower; exception downgraded to a XXX/B | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Cured | C | B | C | B | C | B | C | B | C | B | C | B | ||
| XXX | XXXXX | 305035788 | FCRE1199 | 12/19/2025 | Credit | Eligibility | Audited Loan Amount is greater than Guideline Maximum Loan Amount | Audited XXX of XXX is greater than the Guideline Maximum XXX of XXX The loan file contains a lender exception request form, granting approval for XXX to exceeds XX/XX/XXXX M. The lender identified the following compensating factors to justify the approval - Excellent credit history, minimum use of consumer credit, excessive reserves, XXX-months total, strong residual income, XXX total, and low DTI. Exception downgraded to a level XXX/B. | please rescind. | The XXX exceeds the maximum amount per guidelines. However, the Lender approved a credit exception to allow for the higher XXX, citing compensating factors of an excellent credit history, minimal use of consumer credit, excessive reserves, strong residual income and a low DTI. Acknowledged and downgraded. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Acknowledged | Yes | C | B | C | B | C | B | C | B | C | B | C | B | |
| XXX | XXXXX | 305035788 | FPRO8998 | 12/17/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/17/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305035788 | FCRE1194 | 12/17/2025 | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Audited LTV of XXX% exceeds Guideline LTV of XXX% FICO at XXX for FICO of XXX exceeding XXX, owner occupied max LTV is XXX% loan was approved at XXX% The loan file contains an exception for the XXX, but not for the CLTV. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Acknowledged | Yes | B | B | B | B | B | B | B | B | B | B | B | B | |||
| XXX | XXXXX | 305035781 | FCRE1254 | 12/31/2025 | Credit | Title | Property Title Issue | Property Title Issue Title is missing borrowers as proposed insured. | Document Uploaded. | Documentation is sufficient. Title in file is sufficient. Exception rescinded.; Property Title Issue Resolved | Rescinded | A | A | A | A | A | A | A | A | A | A | A | A | |||
| XXX | XXXXX | 305035781 | FCRE9814 | 12/30/2025 | Credit | Missing Doc | Missing Trust Agreement | Missing Trust Agreement Trust Cert is not notarized. Required per lender final approval. | Document Uploaded. | Documentation is sufficient. Trust Cert provided. Exception resolved.; Trust Agreement Meets Guideline Requirements | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/30/2025 | D | A | D | A | D | A | D | A | D | A | D | A | |
| XXX | XXXXX | 305035781 | FCRE0376 | 12/30/2025 | Credit | Data | Tradelines do not meet Guideline Requirements | The lender’s minimum tradeline requirements have not been met per guidelines. Missing letter of explanation for credit inquiries: XX/XX/XXXX XXX; XX/XX/XXXX XXX; XX/XX/XXXX XXX | Broker and lender Credit runs, Inquiry LOE not required. | Documentation is sufficient. Lender and Broker credit inquiries. Exception resolved.; Tradelines meet Guideline Requirements | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/30/2025 | C | A | C | A | C | A | C | A | C | A | C | A | |
| XXX | XXXXX | 305035781 | FPRO8998 | 12/26/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/26/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305035781 | finding-3352 | 12/26/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML compliant, downgraded to A This loan failed the higher-priced mortgage loan test. (12 CFR § XXX(a)(XXX) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | Informational | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/26/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305035777 | FCOM8997 | 12/31/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/31/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305035777 | FCRE8999 | 12/31/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/31/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305035777 | FPRO8998 | 12/31/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/31/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305035773 | FCRE8999 | 12/24/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 12/24/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305035773 | FPRO8998 | 12/24/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 12/24/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305035773 | finding-3352 | 12/24/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § XXX(a)(XXX) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML escrow established, appraisal requirement met | Informational | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 12/24/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305035769 | FCRE1492 | 1/28/2026 | Credit | Assets | Cash Out Does Not Meet Guideline Requirements | Cash Out Does Not Meet Guideline Requirements Loan was approved as Rate/Term Refinance, the final Closing Disclosure reflects borrower received XXX at close. Per guidelines borrower can only receive a lessor of $XXX or XXX% of XXX. | Document Uploaded. ; Document Uploaded. ; Borrower will send us a check for XXX so we can add a Principle Reduction for the same amount | Documentation is sufficient. PCCD provided. Exception resolved.; Cash Out Meets Guideline Requirements; The updated PCCD should reflect the principal reduction to Lender, not Borrower. Exception remains.; Waiting for documentation. Exception remains. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | XXX is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 1/28/2026 | C | A | C | A | C | A | C | A | C | A | C | A | |
| XXX | XXXXX | 305035769 | FCRE1254 | 1/14/2026 | Credit | Title | Property Title Issue | Property Title Issue Subject property is located in Hawaii and title does not state if it's Fee Simple or Leasehold ownership. | This is on the prelim with the vesting, page one, as tenants by the entirety as fee owner. ; Document Uploaded. | Documentation is sufficient. Fee Owner stated on Title. Exception rescinded.; Property Title Issue Resolved | Rescinded | A | A | A | A | A | A | A | A | A | A | A | A | |||
| XXX | XXXXX | 305035769 | FCOM8997 | 1/9/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | XXX is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 1/9/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305035769 | FPRO8998 | 1/9/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | XXX is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 1/9/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305035756 | FCRE8999 | 12/31/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/31/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305035756 | FPRO8998 | 12/31/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/31/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305035756 | FCOM8997 | 12/31/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/31/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305035751 | FCOM8997 | 1/9/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | XXX is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 1/9/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305035751 | FCRE8999 | 1/9/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | XXX is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 1/9/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305035751 | FPRO8998 | 1/9/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | XXX is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 1/9/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305035750 | FCOM8997 | 1/9/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | XXX is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 1/9/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305035750 | FCRE8999 | 1/9/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | XXX is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 1/9/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305035750 | FPRO8998 | 1/9/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | XXX is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 1/9/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305035749 | FCOM8997 | 1/9/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | XXX is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 1/9/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305035749 | FCRE8999 | 1/9/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | XXX is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 1/9/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305035749 | FPRO8998 | 1/9/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | XXX is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 1/9/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305035748 | FCOM8997 | 1/9/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | XXX is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 1/9/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305035748 | FCRE8999 | 1/9/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | XXX is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 1/9/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305035748 | FPRO8998 | 1/9/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | XXX is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 1/9/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305035745 | FCOM1221 | 1/12/2026 | Credit | Missing Doc | The Deed of Trust is Incomplete | The Deed of Trust is Incomplete Missing complete copy of the executed Mortgage - missing pages XXX-XXX. | Document Uploaded. | Documentation provided is sufficient. Exception resolved. ; The Deed of Trust is Present and Complete | Borrower has stable job time - Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 1/12/2026 | D | A | D | A | D | A | D | A | D | A | D | A | |
| XXX | XXXXX | 305035745 | finding-3352 | 1/8/2026 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML escrow established, appraisal requirement met This loan failed the higher-priced mortgage loan test. (12 CFR § XXX(a)(XXX) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | Informational | Borrower has stable job time - Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 1/8/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305035745 | FPRO8998 | 1/8/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | Borrower has stable job time - Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 1/8/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305035744 | FCRE0382 | 12/30/2025 | Credit | Data | Assets do not meet guideline requirements | When the Total Qualified Asset Post Close field contains a negative value, the required assets do not meet guidelines. Missing documentation verifying the gifts in the amounts of XXX were wired to title/escrow | Document Uploaded. | Documentation is sufficient. Gift wire documents provided. Exception resolved.; Funds are found to meet guidelines. | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 12/30/2025 | C | A | C | A | C | A | C | A | C | A | C | A | |
| XXX | XXXXX | 305035744 | FCRE1198 | 12/30/2025 | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Audited Reserves of month(s) are less than Guideline Required Reserves of XXX month(s) Missing documentation verifying the gifts in the amounts of XXX were wired to title/escrow | Document Uploaded. | Documentation is sufficient. Gift wire documents provided. Exception resolved.; Audited Reserves of XXX month(s) are greater than or equal to Guideline Required Reserves of XXX month(s) | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 12/30/2025 | C | A | C | A | C | A | C | A | C | A | C | A | |
| XXX | XXXXX | 305035744 | FCRE9995 | 12/30/2025 | Credit | Assets | Audited Reserves are less than Guideline Required Reserves (Dollar Amount) | Audited Reserves of $ are less than Guideline Required Reserves of $XXX. Missing documentation verifying the gifts in the amounts of XXX were wired to title/escrow | Document Uploaded. | Documentation is sufficient. Gift Wire documents provided. Exception resolved.; Audited Reserves of XXX are equal to or greater than AUS Required Reserves of $XXX. | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 12/30/2025 | C | A | C | A | C | A | C | A | C | A | C | A | |
| XXX | XXXXX | 305035744 | FPRO8998 | 12/23/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 12/23/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305035742 | FCOM8997 | 1/7/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | informational | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 1/7/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305035742 | FCRE8999 | 1/7/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | informational | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 1/7/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305035742 | FPRO8998 | 1/7/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | informational | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 1/7/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305035740 | finding-3352 | 12/22/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML compliant, downgraded to A This loan failed the higher-priced mortgage loan test. (12 CFR § XXX(a)(XXX) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | Informational | Borrower has stable job time - Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 12/22/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305035740 | FCRE8999 | 12/22/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | Borrower has stable job time - Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 12/22/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305035740 | FPRO8998 | 12/22/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | Borrower has stable job time - Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 12/22/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305035736 | FCRE8999 | 1/5/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 1/5/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305035736 | FPRO8998 | 1/5/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 1/5/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305035736 | FCOM8997 | 1/5/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 1/5/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305035735 | FCOM8997 | 12/24/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/24/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305035735 | FCRE8999 | 12/24/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/24/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305035735 | FPRO8998 | 12/24/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/24/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305035733 | FPRO8998 | 1/6/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | informational | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 1/6/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305035733 | FCRE8999 | 1/6/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | informational | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 1/6/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305035733 | FCOM8997 | 1/6/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | informational | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 1/6/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305035728 | FCRE9785 | 1/5/2026 | Credit | Missing Doc | Purchase Contract is Incomplete | XXX is Purchase but Purchase Contract Doc is Incomplete Missing addendum stating value of personal items included on sales contract is XXX Addendum states for an additional sum of XXX non realty items. Per lender guidelines: Any personal property transferred with a property sale must be deemed to have zero transfer value, as indicated by the sales contract and the appraisal. If any value is associated with the personal property, the sales price and appraised value must be reduced by the personal property value for purposes of calculating the LTV/CLTV/HCLTV. | Addendum not accepted by seller | Documentation is sufficient. Explanation and Final CD provided. Exception resolved. | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 1/5/2026 | B | A | B | A | B | A | B | A | B | A | B | A | |
| XXX | XXXXX | 305035728 | FPRO8998 | 1/2/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 1/2/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305035728 | FCOM8997 | 1/2/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 1/2/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305025798 | FCRE8999 | 12/5/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/5/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305025798 | FPRO8998 | 12/5/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/5/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305035713 | FCRE6737 | 1/21/2026 | Credit | Missing Doc | Missing Letter of Explanation (Income) | Operating Agreement to establish borrower's ownership of, XXX., is missing from the loan file. | Document Uploaded. | Documentation is sufficient. State filing, Articles of Incorporation provided. Exception resolved. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 1/21/2026 | D | A | D | A | D | A | D | A | D | A | D | A | |
| XXX | XXXXX | 305035713 | FCRE7495 | 1/16/2026 | Credit | Missing Doc | Verification of Borrower Liabilities Missing or Incomplete | Final XXX indicates a mortgage loan for REO, XXX, with Change. Documentation validating PITIA payment is missing from the loan file. | What do you need on this? This loan has not closed; UW has added mortgage as worst case at full pitia. This property is currently owned free and clear, profile in the file with tax amount, no HOI, free and clear. This is also an alt doc, reserve requirements are based on the subject property pitia anyway -why would you need this? Thanks! | Documentation is sufficient. LOE provided. Loan not closed yet, worst case scenario used. Exception resolved. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 1/16/2026 | D | A | D | A | D | A | D | A | D | A | D | A | |
| XXX | XXXXX | 305035713 | FCRE1199 | 1/14/2026 | Credit | Eligibility | Audited Loan Amount is greater than Guideline Maximum Loan Amount | Audited XXX of XXX is greater than the Guideline Maximum XXX of XXX The Note reflects a XXX of, $XXX. Guidelines allow a maximum XXX of, XXX with a qualifying credit score of XXX and a XXX% CLTV for an investment property. Present in the loan file is a Lender approved exception allowing the loan size of, $XXX. The Lender identified the following compensating factors to justify the Exception: Excellent credit history, minimal use of consumer credit, no discretionary debt, minimal payment shock, low DTI, significant residual income and excess reserves. Lender Approved Exception is insufficient. The Exception Requested is for a XXX >$XXX. The maximum XXX for an investment property with a maximum XXX% CLTV and a qualifying credit score of XXX is, $XXX. Exception Request should reflect, >$XXX. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Acknowledged | No | C | B | C | B | C | B | C | B | C | B | C | B | |||
| XXX | XXXXX | 305035713 | FPRO8998 | 1/14/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | .;.; Informational | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 1/14/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305035713 | FCOM8997 | 1/14/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | .;.; Informational | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 1/14/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305035712 | FPRO8998 | 12/24/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/24/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305035712 | FCRE8999 | 12/24/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/24/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305035712 | finding-3352 | 12/24/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML escrow established, appraisal requirement met This loan failed the higher-priced mortgage loan test. (12 CFR § XXX(a)(XXX) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | Informational | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/24/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305035709 | FCRE1483 | 1/7/2026 | Credit | Assets | Asset 5 Does Not Meet Guideline Requirements | Asset XXX Does Not Meet Guideline Requirements A Gift Letter from XXX in the amount of, XXX is present in the loan file. Documentation is required to verify gift funds were received by Escrow. | Document Uploaded. | Documentation is sufficient. Wire for gift funds provided. Exception resolved.; Asset XXX Meets Guideline Requirements Or Not Applicable | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 1/7/2026 | C | A | C | A | C | A | C | A | C | A | C | A | |
| XXX | XXXXX | 305035709 | FCRE1325 | 1/7/2026 | Credit | Missing Doc | Borrower 1 CPA Letter Missing | Borrower XXX CPA Letter Missing For P&L income programs, Guidelines require the loan file contain documentation that the CPA/CTEC/PTIN license is verified and active. Verification is required that the PTIN License of, XXX, is active. | Document Uploaded. | Documentation is sufficient. CPA Search provided. Exception resolved.; Borrower XXX CPA Letter Provided | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 1/7/2026 | D | A | D | A | D | A | D | A | D | A | D | A | |
| XXX | XXXXX | 305035709 | FPRO8998 | 1/5/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 1/5/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305035709 | FCOM8997 | 1/5/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 1/5/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305035707 | FCOM8997 | 1/6/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | informational | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | XXX is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 1/6/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305035707 | FCRE8999 | 1/6/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | informational | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | XXX is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 1/6/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305035707 | FPRO8998 | 1/6/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | informational | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | XXX is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 1/6/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305035696 | FCOM8997 | 12/24/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/24/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305035696 | FCRE8999 | 12/24/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/24/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305035696 | FPRO8998 | 12/24/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/24/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305035693 | FCRE1480 | 1/7/2026 | Credit | Assets | Asset 2 Does Not Meet Guideline Requirements | Asset Record XXX Does Not Meet G/L Requirements Statements provided for XXX bank accounts #XXX; #XXX; #XXX do not reflect the date that the balances were pulled. | Document Uploaded. Maturity date is pull date; XX/XX/XXXX | Documentation is sufficient. Bank statement provided. Exception resolved.; Asset Record XXX Meets G/L Requirements Or Not Applicable | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 1/7/2026 | C | A | C | A | C | A | C | A | C | A | C | A | |
| XXX | XXXXX | 305035693 | FPRO8998 | 1/5/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 1/5/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305035693 | finding-3352 | 1/5/2026 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML escrow established, appraisal requirement met This loan failed the higher-priced mortgage loan test. (12 CFR § XXX(a)(XXX) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | Informational | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 1/5/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305035687 | FCRE2009 | 1/15/2026 | Credit | Missing Doc | Rent Loss Insurance Missing | Missing rent loss insurance coverage Guidelines require rent loss insurance covering a minimum of XXX months of the qualifying rental figure, $XXX. An e-mail present in the loan file expresses Loss of Use, Coverage D, is, $XXX. No parameters of Coverage D provided. Documentation reflecting at least XXX months of rent loss coverage, XXX is required. | Document Uploaded. | Documentation is sufficient. Rent loss coverage verified. Exception resolved.; Rent Loss Coverage Present | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | XXX is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 1/15/2026 | D | A | D | A | D | A | D | A | D | A | D | A | |
| XXX | XXXXX | 305035687 | FCOM8997 | 1/8/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | XXX is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 1/8/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305035687 | FPRO8998 | 1/8/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | XXX is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 1/8/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305035683 | FCOM1232 | 1/8/2026 | Credit | Missing Doc | The Final 1003 is Missing | The Final XXX is Missing Provide missing final XXX Document not in file. | Document Uploaded. | Documentation is sufficient. XXX provided. Exception resolved.; The Final XXX is Present | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 1/8/2026 | D | A | D | A | D | A | D | A | D | A | D | A | |
| XXX | XXXXX | 305035683 | FCOM1544 | 1/7/2026 | Compliance | Missing Doc | TRID: Missing Closing Disclosure | TRID: Missing Final Closing Disclosure Documentation Required to clear exception - Final CD in file is missing page XXX Provide complete and fully executed final CD. | Document Uploaded. | TRID: Final Closing Disclosure Provided | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 1/7/2026 | D | A | D | A | D | A | D | A | D | A | D | A | |
| XXX | XXXXX | 305035683 | FCRE0382 | 1/6/2026 | Credit | Data | Assets do not meet guideline requirements | When the Total Qualified Asset Post Close field contains a negative value, the required assets do not meet guidelines. Assets meet guidelines. | What do you need to clear? | Documentation is sufficient. Assets are XXX. Exception resolved.; Funds are found to meet guidelines. | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 1/6/2026 | C | A | C | A | C | A | C | A | C | A | C | A | |
| XXX | XXXXX | 305035683 | FPRO8998 | 1/2/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 1/2/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305035683 | finding-2962 | 1/2/2026 | Compliance | Points & Fees | CA AB 260 Higher-Priced Mortgage Loan Test | This loan failed the XXX AB XXX higher-priced mortgage loan test. (XXX AB XXX XXX Financial Code Division XX/XX/XXXX(a) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX Financial Code hile the XXX Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML escrow established, appraisal requirement met | Informational | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 1/2/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305035683 | finding-3352 | 1/2/2026 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § XXX(a)(XXX) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML escrow established, appraisal requirement met | Informational | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 1/2/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305035673 | FCRE1437 | 1/12/2026 | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines - Guidelines require the most recent XXX months bank statements for the XXX Bank Statement program. The XXX XXX asset statement, #XXX, ending XXX, is missing from the loan file. | Document Uploaded. | Documentation provided is sufficient. Exception resolved. ; Income and Employment Meet Guidelines | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | XXX is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 1/12/2026 | C | A | C | A | C | A | C | A | C | A | C | A | |
| XXX | XXXXX | 305035673 | FPRO8998 | 1/7/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | informational | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | XXX is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 1/7/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305035673 | FCOM8997 | 1/7/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | informational | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | XXX is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 1/7/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305035668 | FCOM8997 | 1/6/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | informational | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | XXX is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 1/6/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305035668 | FCRE8999 | 1/6/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | informational | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | XXX is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 1/6/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305035668 | FPRO8998 | 1/6/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | informational | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | XXX is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 1/6/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305035663 | FCRE5771 | 1/9/2026 | Credit | Missing Doc | Borrower 2 Credit Report is Missing | Borrower XXX Credit Report is Missing. Liabilities and DTI will require re-review upon receipt of the credit report. | Document Uploaded. | Documentation is sufficient. Credit report provided. Exception resolved.; Borrower XXX Credit Report is not missing. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 1/9/2026 | D | A | D | A | D | A | D | A | D | A | D | A | |
| XXX | XXXXX | 305035663 | FCRE5770 | 1/9/2026 | Credit | Missing Doc | Borrower 1 Credit Report is Missing | Borrower XXX Credit Report is Missing. Liabilities and DTI will require re-review upon receipt of the credit report. | Document Uploaded. | Documentation is sufficient. Credit report provided. Exception resolved.; Borrower XXX Credit Report is not missing. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 1/9/2026 | D | A | D | A | D | A | D | A | D | A | D | A | |
| XXX | XXXXX | 305035663 | FCOM8997 | 1/7/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | informational | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 1/7/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305035663 | FPRO8998 | 1/7/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | informational | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 1/7/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305035661 | FCRE1146 | 12/30/2025 | Credit | Missing Doc | Title Document is Partially Present | Title Document is incomplete or only partially present. Missing Proposed Insured amount XXX on title or "Instructions to Escrow/Closing Agent" document to verify Insured amount of XXX | Document Uploaded. | Documentation is sufficient. Escrow instructions provided. Exception resolved.; Title Document is fully Present. | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/30/2025 | D | A | D | A | D | A | D | A | D | A | D | A | |
| XXX | XXXXX | 305035661 | FPRO8998 | 12/26/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/26/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305035660 | FCOM8997 | 1/6/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | informational | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 1/6/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305035660 | FCRE8999 | 1/6/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | informational | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 1/6/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305035660 | FPRO8998 | 1/6/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | informational | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 1/6/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305035648 | FCOM8997 | 1/9/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | XXX is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 1/9/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305035648 | FCRE8999 | 1/9/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | XXX is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 1/9/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305035648 | FPRO8998 | 1/9/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | XXX is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 1/9/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305035641 | FCRE8999 | 1/2/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | Resolved | 1/2/2026 | A | A | A | A | A | A | A | A | A | A | A | A | |||
| XXX | XXXXX | 305035641 | FPRO8998 | 1/2/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | Resolved | 1/2/2026 | A | A | A | A | A | A | A | A | A | A | A | A | |||
| XXX | XXXXX | 305035641 | FCOM8997 | 1/2/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | Resolved | 1/2/2026 | A | A | A | A | A | A | A | A | A | A | A | A | |||
| XXX | XXXXX | 305035632 | FCRE8999 | 1/8/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | XXX is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 1/8/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305035632 | FPRO8998 | 1/8/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | XXX is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 1/8/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305035632 | FCOM8997 | 1/8/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | XXX is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 1/8/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305035630 | FCRE1173 | 1/22/2026 | Credit | Missing Doc | HO6 Master Insurance Policy is Missing | Missing HO-XXX Master Insurance Policy | Document Uploaded. | Documentation is sufficient. H06 policy provided. Exception resolved.; HO-XXX Master Insurance Policy is fully present | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | XXX is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 1/22/2026 | D | A | D | A | D | A | D | A | D | A | D | A | |
| XXX | XXXXX | 305035630 | FPRO8998 | 1/21/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | XXX is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 1/21/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305035630 | FCOM8997 | 1/21/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | XXX is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 1/21/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305035624 | FCRE1964 | 1/12/2026 | Credit | Missing Doc | Missing income documentation | Self-Employed Business Narrative Form for B1 and B2 is not required on this project as this is not a P&L loan. Please restructure your condition and send it back out. These should be separated into two conditions. Document Uploaded. | Documentation provided is sufficient. Exception resolved. ; ; Lender to provide the Bank Statement Income Worksheet for XXX | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | XXX is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 1/12/2026 | D | A | D | A | D | A | D | A | D | A | D | A | ||
| XXX | XXXXX | 305035624 | FCRE6737 | 1/9/2026 | Credit | Missing Doc | Missing Letter of Explanation (Income) | Lender to obtain a letter of explanation from B1 regarding inconsistent business income deposits. Subject to requalification. | Document Uploaded. | Documentation is sufficient. LOE provided. Exception resolved. | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | XXX is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 1/9/2026 | D | A | D | A | D | A | D | A | D | A | D | A | |
| XXX | XXXXX | 305035624 | FPRO8998 | 1/7/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | informational | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | XXX is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 1/7/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305035624 | FCOM8997 | 1/7/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | informational | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | XXX is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 1/7/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305035620 | FCOM8997 | 1/9/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | XXX is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 1/9/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305035620 | FCRE8999 | 1/9/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | XXX is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 1/9/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305035620 | FPRO8998 | 1/9/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | XXX is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 1/9/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305035618 | FCOM8997 | 1/7/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | informational | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 1/7/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305035618 | FCRE8999 | 1/7/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | informational | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 1/7/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305035618 | FPRO8998 | 1/7/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | informational | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 1/7/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305035617 | FCRE8999 | 1/13/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 1/13/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305035617 | FPRO8998 | 1/13/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 1/13/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305035617 | finding-3352 | 1/13/2026 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § XXX(a)(XXX) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML with established escrows and appraisal requirements met. Exception downgraded. | Informational | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 1/13/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305035615 | FCRE8999 | 1/13/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | Resolved | 1/13/2026 | A | A | A | A | A | A | A | A | A | A | A | A | |||
| XXX | XXXXX | 305035615 | FPRO8998 | 1/13/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | Resolved | 1/13/2026 | A | A | A | A | A | A | A | A | A | A | A | A | |||
| XXX | XXXXX | 305035615 | FCOM8997 | 1/13/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | Resolved | 1/13/2026 | A | A | A | A | A | A | A | A | A | A | A | A | |||
| XXX | XXXXX | 305035611 | FCRE8999 | 1/21/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. The loan meets all applicable credit guidelines. | Informational | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 1/21/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305035611 | FPRO8998 | 1/21/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan. | Informational | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 1/21/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305035611 | FCOM8997 | 1/21/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 1/21/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305035606 | FCOM1208 | 1/12/2026 | Credit | Missing Doc | The Note is Incomplete | The Note is Incomplete Missing a complete copy of the subject Note. Copy of Note in file is missing page XXX | Document Uploaded. | Documentation provided is sufficient. Exception resolved. ; The Note is Present | XXX is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 1/12/2026 | D | A | D | A | D | A | D | A | D | A | D | A | |
| XXX | XXXXX | 305035606 | FCOM8997 | 1/7/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | informational | XXX is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 1/7/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305035606 | FPRO8998 | 1/7/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | informational | XXX is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 1/7/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305035601 | FCOM8997 | 1/14/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | .;.; Informational | XXX is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 1/14/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305035601 | FCRE8999 | 1/14/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | .;.; Informational | XXX is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 1/14/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305035601 | FPRO8998 | 1/14/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | .;.; Informational | XXX is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 1/14/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 304895531 | FCRE1325 | 2/2/2026 | Credit | Missing Doc | Borrower 1 CPA Letter Missing | Borrower XXX CPA Letter Missing XXX) Document B1 percentage of ownership in (XXX). Ownership must be at least XXX% The ownership percentage must be verified via a CPA/Tax Preparer, Operating Agreement or equivalent XXX) Verify B1 has been self-employed for at least two years in the same business verified via a CPA/Tax Preparer, regulatory agency, applicable licensing bureau or equivalent. XXX) Provide a CPA/Tax Preparer or an underwriter cash flow analysis is required to confirm that the withdrawal will not negatively impact the business. | Document Uploaded. City verification of business from XXX to match DOT XXX confirmation open since XXX; Document Uploaded. UW Cash flow oral agreement - corp filings in file show only borrower as owner (XXX% ownership) XXX confirmation open since XXX | Borrower XXX CPA Letter Provided; Client provided Certificate of Ownership from XXX County Clerk reflecting the borrower as Sole Proprietorship. XXX Company search reflecting XXX Shot active as of XX/XX/XXXX. Borrower XXX% owner. Cleared.; Borrower XXX CPA Letter Missing | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | XXX is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Borrower has stable job time - Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 2/2/2026 | D | A | D | A | D | A | D | A | D | A | D | A | |
| XXX | XXXXX | 304895531 | FCRE1316 | 2/2/2026 | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower XXX 3rd Party VOE Prior to Close Missing Processor cert in file is not valid to verify business is active and operating erify business is active and operating either no more than XXX business days prior to the Note Date, or after the Note Date but prior to XXX purchase is required with one of the following: Evidence of current work (executed contracts or signed invoices) • Evidence of current business receipts • Business website demonstrating activity supporting current business operations. | Document Uploaded. Business Invoice | Borrower XXX 3rd Party VOE Prior to Close Was Provided; Client provided Business Invoices from XXX dated XX/XX/XXXX. LM Updated.; Borrower XXX 3rd Party VOE Prior to Close Missing | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | XXX is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Borrower has stable job time - Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 2/2/2026 | D | A | D | A | D | A | D | A | D | A | D | A | |
| XXX | XXXXX | 304895531 | FCRE1148 | 1/21/2026 | Credit | Title | Title Coverage is Less than Subject Lien | Title Coverage Amount of XXX is Less than Total Amount of Subject Lien XXX | Document Uploaded. updated prelim | Title Coverage Amount of XXX is equal to or greater than Total Amount of Subject Lien $XXX; Final title policy received | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | XXX is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Borrower has stable job time - Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 1/21/2026 | B | A | B | A | B | A | B | A | B | A | B | A | |
| XXX | XXXXX | 304895531 | FCRE1183 | 1/6/2026 | Credit | Missing Doc | Approval/Underwriting Summary Partially Provided | Approval/Underwriting Summary Partially Provided. Final XXX not provided. Other XXX's provided | Document Uploaded. XXX | Approval/Underwriting Summary is fully present | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | XXX is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Borrower has stable job time - Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 1/6/2026 | B | A | B | A | B | A | B | A | B | A | B | A | |
| XXX | XXXXX | 304895531 | FCRE1437 | 12/19/2025 | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines Provide a business narrative from the borrower to describe the type of business and number of employees. | Business narrative in file. ; Income and Employment Meet Guidelines; Income and Employment Do Not Meet Guidelines | Rescinded | A | A | A | A | A | A | A | A | A | A | A | A | ||||
| XXX | XXXXX | 304895531 | FCOM8997 | 12/17/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | XXX is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Borrower has stable job time - Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/17/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 304895531 | FPRO8998 | 12/17/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | XXX is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Borrower has stable job time - Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/17/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 304908677 | FCRE8999 | 1/14/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | Borrower has stable job time - Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 1/14/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 304908677 | FPRO8998 | 1/14/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | Borrower has stable job time - Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 1/14/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 304908677 | FCOM9186 | 1/6/2026 | Compliance | Missing Doc | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. The eSigned documents consent is missing. Showing evidence that the borrowers consented to electronic communication at the time of initial disclosure, XX/XX/XXXX, may cure the violation. | Document Uploaded. Esign consent uploaded | Evidence of eConsent is provided. | Borrower has stable job time - Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 1/6/2026 | B | A | B | A | B | A | B | A | B | A | B | A | |
| XXX | XXXXX | 304908676 | FCRE1145 | 2/20/2026 | Credit | Missing Doc | Title Document Missing | Title Document is missing Loan file is missing a required title commitment for loan closing transaction. | Document Uploaded. Title | Title Document is fully Present; Client provided Commitment for Title Insurance reflecting the subject property dated XX/XX/XXXX with a Proposed Amount of Insurance of XXX LM Updated. | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 2/20/2026 | D | A | D | A | D | A | D | A | D | A | D | A | |
| XXX | XXXXX | 304908676 | FCRE1202 | 1/23/2026 | Credit | Missing Doc | Third Party Fraud Report Partially Provided | Third Party Fraud Report Partially Provided Entity fraud report provided, missing Fraud for B1 | Document Uploaded. Fraud report | Third Party Fraud Report is fully present; Client provided XXX Person Report for B1. LM Updated. | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 1/23/2026 | D | A | D | A | D | A | D | A | D | A | D | A | |
| XXX | XXXXX | 304908676 | FCRE1182 | 1/23/2026 | Credit | Missing Doc | Approval/Underwriting Summary Not Provided | Loan file is missing the lender loan approval and/or XXX Missing Approval/Underwriting Summary. | Document Uploaded. Approval from lender | Approval/Underwriting Summary is fully present; Client provided Lender Approval. LM Updated. | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 1/23/2026 | B | A | B | A | B | A | B | A | B | A | B | A | |
| XXX | XXXXX | 304908676 | FCOM1221 | 1/21/2026 | Credit | Missing Doc | The Deed of Trust is Incomplete | The Deed of Trust is Incomplete Missing certified true copy stamp | BYOG lender using their own guidelines. This is not a requirement. Please clear. | ; The Deed of Trust is Present and Complete | Rescinded | A | A | A | A | A | A | A | A | A | A | A | A | |||
| XXX | XXXXX | 304908676 | FCRE1212 | 1/21/2026 | Credit | Income/Employment | Insufficient DSCR | Loan file is missing the market rent or active lease to determine an effective DSCR. Audited DSCR is less than the minimum required by underwriting guides. | Document Uploaded. Appraisal with rent comps | Client provided XXX form XXX reflecting Estimated Market Rent of XXX LM Updated.; Client provided XXX form XXX reflecting Estimated Market Rent of XXX LM Updated. | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 1/21/2026 | C | A | C | A | C | A | C | A | C | A | C | A | |
| XXX | XXXXX | 304908676 | FVAL5524 | 1/21/2026 | Property | Property | Ineligible Property | Lender requested an exception for the property vacancy, missing formal letter of exception with compensating factors | Document Uploaded. Exception approval | Exception for vacant refinance. Lender acknowledged this exception. ; Lender requested an exception for the property vacancy, missing formal letter of exception. Client provided email from XXX - Due Diligence Global Securitized Products XXX stating: We acknowledge this exception. Please document a pre-close exception in the loan file rationalizing your comfort making this exception for your lending decision. Additional conditions may apply upon review of the full loan file. | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Acknowledged | Yes | C | B | C | B | C | B | C | B | C | B | C | B | |
| XXX | XXXXX | 304908676 | FPRO1242 | 1/21/2026 | Property | Missing Doc | Appraisal is Missing | Appraisal is Missing. | Document Uploaded. Appraisal | Appraisal is Present or is Waived; Client provided Appraisal for the subject property dated XX/XX/XXXX. LM Updated. | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 1/21/2026 | D | A | D | A | D | A | D | A | D | A | D | A | |
| XXX | XXXXX | 304908676 | FCOM8997 | 1/20/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 1/20/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 304909879 | FCOM8997 | 1/13/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 1/13/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 304909879 | FPRO8998 | 1/13/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 1/13/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 304909879 | FCRE8999 | 1/13/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 1/13/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305031742 | FCRE1316 | 1/29/2026 | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower XXX 3rd Party VOE Prior to Close Missing Verification that the business is active and operating either no more than XXX business days prior to the Note Date, or after the Note Date but prior to XXX purchase is required with one of the following: • Evidence of current work (executed contracts or signed invoices) • Evidence of current business receipts • Business website demonstrating activity supporting current business operations. | not in the guidelines for XXX borrowers, not required | not required for XXX income. ; Borrower XXX 3rd Party VOE Prior to Close Was Provided | Rescinded | D | A | D | A | D | A | D | A | D | A | D | A | |||
| XXX | XXXXX | 305031742 | FCOM3849 | 1/29/2026 | Compliance | Disclosure | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). Provide evidence the appraisal was delivered to the borrower a minimum of XXX business days prior to consummation. The appraisal acknowledgment disclosure does not specify if the borrower waived the timing requirements and received a copy at closing or if the appraisal was received the minimum XXX days prior to consummation | Document Uploaded. Appraisal delivery | Appraisal delivery provided, exception resolved; Evidence of appraisal delivery provided. | Borrower has stable job time - Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 1/29/2026 | B | A | B | A | B | A | B | A | B | A | B | A | |
| XXX | XXXXX | 305031742 | FCOM1266 | 1/29/2026 | Compliance | Missing Doc | Homeownership Counseling Disclosure Is Missing | Homeownership Counseling Disclosure Is Missing Provide the Homeownership Counseling disclosure and proof sent to the borrower within XXX business days of application | Document Uploaded. Attached the Homeownership Counseling List and Homeownership Counseling Acknowledgement Disclosure | Homeownership Counseling Disclosure Is Present or Not Applicable | Borrower has stable job time - Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 1/29/2026 | B | A | B | A | B | A | B | A | B | A | B | A | |
| XXX | XXXXX | 305031742 | FCOM3608 | 1/29/2026 | Compliance | Missing Doc | Intent to Proceed is Missing | The intent to proceed is missing. Documentation required to clear exception: Please provide Intent to Proceed. | Document Uploaded. Attached Intent to Proceed Disclosure | Proof of Intent to Proceed has been provided. The intent to proceed is missing. | Borrower has stable job time - Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 1/29/2026 | B | A | B | A | B | A | B | A | B | A | B | A | |
| XXX | XXXXX | 305031742 | FCRE1330 | 1/29/2026 | Credit | Missing Doc | Borrower 1 Paystubs Missing | Borrower XXX Paystubs Missing Most recent proof of YTD earnings via bank statements, payroll registers or paystub equivalents covering a minimum of XXX days. YTD earnings may be no less than XXX% below the qualifying income. | WVOE with YTD earnings found on page XXX | Borrower XXX Paystubs Provided; XXX Non-QM Guidelines state: In lieu of obtaining the most recent paystubs or W-2s, the Seller may obtain a Written Verification of Employment (WVOE) form from the employer. IRS tax transcripts must align to the income being used to qualify. LM Updated.; Borrower XXX Paystubs Missing | Borrower has stable job time - Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 1/29/2026 | D | A | D | A | D | A | D | A | D | A | D | A | |
| XXX | XXXXX | 305031742 | FCRE1437 | 1/29/2026 | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines A business narrative is required from the borrower to describe their XXX employment including an expense factor that is related to their annual business. The minimum expense factor allowed is XXX% and should be XXX for the XXX employment. | Income and Employment Meet Guidelines | Borrower has stable job time - Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 1/29/2026 | C | A | C | A | C | A | C | A | C | A | C | A | ||
| XXX | XXXXX | 305031742 | FCOM5135 | 1/22/2026 | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing Provide the affiliated business disclosure and proof sent to the borrower within XXX business days of application | Investor acknowledged exception. | Borrower has stable job time - Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Acknowledged | No | B | B | B | B | B | B | B | B | B | B | B | B | ||
| XXX | XXXXX | 305031742 | FPRO8998 | 1/22/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | Borrower has stable job time - Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 1/22/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305012711 | FPRO0951 | 1/28/2026 | Property | Missing Doc | Condo Approval Missing | Condo Approval Missing. Condo approval is not in file | Document Uploaded. Condo project approval | Condo Approval is provided.; Client provided Summer House Property Regime reflecting the subject as Established Condo and Approved by XXX. LM Updated. | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 1/28/2026 | B | A | B | A | B | A | B | A | B | A | B | A | |
| XXX | XXXXX | 305012711 | FCRE1180 | 1/28/2026 | Credit | Missing Doc | HO-6 Insurance Policy is Missing | HO-XXX Insurance Policy is Missing Missing policy for subject property with a premium in the amount of $XXX. (lender used $XXX/ monthly) | Document Uploaded. Seller response- Can you please let me know where you are seeing the higher premium of $XXX. The attached \H06 shows XXX as well as the CD signed at closing? | HO-XXX Insurance Policy is fully present; Client provided HOI for the subject property. LM Updated. | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 1/28/2026 | D | A | D | A | D | A | D | A | D | A | D | A | |
| XXX | XXXXX | 305012711 | FCOM9186 | 1/28/2026 | Compliance | Missing Doc | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. The eSigned documents consent is missing. Showing evidence that the borrowers consented to electronic communication at the time of initial disclosure, XX/XX/XXXX, may cure the violation. | Document Uploaded. Esign consent uploaded | E consent provided, exception resolved; Evidence of eConsent is provided. | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 1/28/2026 | B | A | B | A | B | A | B | A | B | A | B | A | |
| XXX | XXXXX | 305012711 | FCOM3849 | 1/28/2026 | Compliance | Disclosure | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). Showing evidence that the borrowers received the appraisal XXX business days prior to consummation, XX/XX/XXXX, may cure the violation. | Document Uploaded. Appraisal delivery | Appraisal delivery provided, exception resolved; Evidence of appraisal delivery provided. | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 1/28/2026 | B | A | B | A | B | A | B | A | B | A | B | A | |
| XXX | XXXXX | 304896763 | FCRE2335 | 2/10/2026 | Credit | Eligibility | DSCR is less than guideline minimum | Qualifying DSCR of XXX is less than guideline minimum requirement of XXX GLs require a minimum of XXX for DSCR calculation. Market rents supported by lease of XXX total DSCR.XXX. Audit matches to the XXX in the file. | Document Uploaded. XXX with corrected HOA amount, yielding DSCR of XXX | XXX correct HOA; HOA was changed to reflect the actual HOA from Appraisal. DSCR XXX. Cleared.; Qualifying DSCR meets Guidelines; Client provided Updated XXX with corrected HOA amount, yielding DSCR of XXX | Resolved | 2/10/2026 | C | A | C | A | C | A | C | A | C | A | C | A | ||
| XXX | XXXXX | 304896763 | FCOM5413 | 2/10/2026 | Compliance | Missing Doc | Prepayment Penalty Information Unavailable | Subject transaction locked with XXX-year prepayment, calculated at XXX%/XXX%/XXX%. Loan delivered with no prepayment penalty documentation. Subject transaction will be re-priced with no prepayment penalty. Please confirm subject transaction has no prepayment penalty | Document Uploaded. Addendum uploaded; Document Uploaded. ; Document Uploaded. Re-recorded DOT with PPP rider; We have re-set exception for seller to provide the Letter of Intent to re-record and Addendum. So long as the PPP is a valid structure for the program type, please note it is not required to match lock. An exception does need to be set when the lock reflects a PPP and the file documentation either does not have any PPP or has a PPP that is not an approved structure for the program.; Document Uploaded. PPP rider provided by lender, see upload for further review | Prepayment Penalty Information is Resolved; Note addendum for PPP Provided; ; Prepayment Penalty Information is Resolved; PPP DOT rider and intent to re record. PPP does not match to rate lock but is valid XXX%/XXX%/XXX% per Guidelines; PPP rider to Deed of Trust Provided at fixed XXX% for XXX months, Missing addendum to note. Rate lock reflects declining PPP of XXX%/XXX%/XXX% for XXX months. ; PPP rider provided | Resolved | 2/10/2026 | D | A | D | A | D | A | D | A | D | A | D | A | ||
| XXX | XXXXX | 304896763 | FCRE2007 | 12/31/2025 | Credit | Missing Doc | Loan Agreement Missing | Missing loan agreement as required per guidelines or as referenced in the loan file. Loan Agreement was not available at the time of review | borrower took title as individual, not required; Loan Agreement Present | Rescinded | A | A | A | A | A | A | A | A | A | A | A | A | ||||
| XXX | XXXXX | 304896763 | FCRE2500 | 12/31/2025 | Credit | Missing Doc | Missing Personal Guaranty | Missing Personal Guaranty. Guaranty Agreement was not available at the time of review | borrower took title as individual, not required; Personal Guaranty provided. | Rescinded | A | A | A | A | A | A | A | A | A | A | A | A | ||||
| XXX | XXXXX | 304896763 | FPRO8998 | 12/26/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | Resolved | 12/26/2025 | A | A | A | A | A | A | A | A | A | A | A | A | |||
| XXX | XXXXX | 304896763 | FCOM8997 | 12/26/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | Resolved | 12/26/2025 | A | A | A | A | A | A | A | A | A | A | A | A | |||
| XXX | XXXXX | 305023970 | FCRE8999 | 1/14/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | Borrower has stable job time - Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 1/14/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305023970 | FPRO8998 | 1/14/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | Borrower has stable job time - Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 1/14/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305023970 | finding-4033 | 1/5/2026 | Compliance | ComplianceEase | Qualified Mortgage Safe Harbor Threshold | This loan does not qualify for a safe harbor level of compliance with the qualified mortgage rule. (12 CFR §XXX(b)(XXX), (e)(XXX) his loan does not qualify for a safe harbor. The loan has an APR of XXX%. The APR threshold to qualify for a safe harbor is XXX% creditor or assignee of a qualified mortgage, that is not a higher-priced covered transaction, complies with the repayment ability requirements of paragraph (c) of this section. A creditor or assignee of a qualified mortgage, that is a higher-priced covered transaction, is presumed to comply with the repayment ability requirements of paragraph (c) of this section igher-priced covered transaction means a covered transaction with an annual percentage rate that exceeds the average prime offer rate for a comparable transaction as of the date the XXX is set by XX/XX/XXXX or more percentage points for a first-lien covered transaction, or by XX/XX/XXXX or more percentage points for a subordinate-lien covered transaction. The loan is an HPML and meets appraisal and escrow requirements. | Document Uploaded. XXX exception approval for Rebuttable Presumption uploaded. | Per investor email received from client- finding is acknowledged. ; | Borrower has stable job time - Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Acknowledged | No | A | A | A | A | A | A | A | A | A | A | A | A | |
| XXX | XXXXX | 305023971 | FCOM8997 | 12/24/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/24/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305023971 | FPRO8998 | 12/24/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/24/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305023971 | FCRE8999 | 12/24/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/24/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305024033 | FPRO1500 | 2/13/2026 | Property | Missing Doc | HOA Questionnaire is Missing | HOA Questionnaire Missing The XXX Purchase Contract, Legal Description, Lock Pricing, and Mortgage Condo Rider all indicate the subject property is considered a condo vs PUD. The file is missing the Condo Questionnaire and Budget are required in order to determine Warrantability. Pease note, if the subject is determined as Non-Warrantable, it will not be eligible. | Lender's response: Stand alone property: site condos have a waiver, and the below is not required. AND the appraisals for site condos may be on either standard XXX OR XXX for condo | ; Client states: Lender's rebuttal: please refer to the legal (condo) site condos do have a waiver, and the below is not required. AND the appraisals for site condos may be on either standard XXX OR XXX for condo.; HOA Questionnaire Missing The XXX Purchase Contract, Legal Description, Lock Pricing, and Mortgage Condo Rider all indicate the subject property is considered a condo vs PUD. The file is missing the Condo Questionnaire and Budget are required in order to determine Warrantability. Pease note, if the subject is determined as Non-Warrantable, it will not be eligible. | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 2/13/2026 | D | A | D | A | D | A | D | A | D | A | D | A | |
| XXX | XXXXX | 305024033 | FVAL9739 | 2/13/2026 | Property | Appraisal | Property/Appraisal General | Property/Appraisal guideline violation: The XXX Purchase Contract, Legal Description, Lock Pricing, and Mortgage Condo Rider all indicate the subject property is considered a condo vs PUD. The appraisal in file is on FNMA Form XXX for SFRs and PUDs. The appraisal should be on FNMA Form XXX | Lender's rebuttal: please refer to the legal (condo) site condos do have a waiver, and the below is not required. AND the appraisals for site condos may be on either standard XXX OR XXX for condo | ; Client states: Lender's rebuttal: please refer to the legal (condo) site condos do have a waiver, and the below is not required. AND the appraisals for site condos may be on either standard XXX OR XXX for condo.; Property/Appraisal guideline violation: The XXX Purchase Contract, Legal Description, Lock Pricing, and Mortgage Condo Rider all indicate the subject property is considered a condo vs PUD. The appraisal in file is on FNMA Form XXX for SFRs and PUDs. The appraisal should be on FNMA Form XXX | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 2/13/2026 | C | A | C | A | C | A | C | A | C | A | C | A | |
| XXX | XXXXX | 305024033 | FCOM8997 | 2/2/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 2/2/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305024034 | FCRE4104 | 2/6/2026 | Credit | Missing Doc | Missing explanation and supporting documentation for large deposit(s) | The lender's guidelines reflect assets to be documented with the most recent monthly statement and large deposits, defined as a single deposit that exceeds XXX% of the XXX, must be sourced. The final application reflect assets in the amount of XXX are being used from the XXX checking account #XXX. The loan file contained the XXX checking #XXX statements through XX/XX/XXXX with an ending balance of $XXX. The XXX checking #XXX reflects XXX deposits XXX and XXX on XX/XX/XXXX coming from #XXX account. The loan file is missing the activity from XXX #XXX from end of statement provided to XX/XX/XXXX XX/XX/XXXX reflecting the transfer of the funds to #XXX and source of funds will also be required. | Document Uploaded. Stamped transactions from XXX showing transfers | Client provided bank statement reflecting the XXX deposits and multiple transfers up to XX/XX/XXXX for XXX account #XXX verified by XXX #XXX. LM Updated. | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 2/6/2026 | D | A | D | A | D | A | D | A | D | A | D | A | |
| XXX | XXXXX | 305024034 | FCOM8997 | 1/26/2026 | Compliance | Data | No Compliance Findings | Transaction meets BP guidelines. Transaction is a Purchase of an investment property. Transaction is exempt from TRID/QM. The loan is in compliance with all applicable laws and regulations. | Informational Only | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 1/26/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305024034 | FPRO8998 | 1/26/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan. | Informational Only | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 1/26/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305024039 | FPRO1500 | 2/5/2026 | Property | Missing Doc | HOA Questionnaire is Missing | HOA Questionnaire Missing The XXX Purchase Contract, Legal Description, Lock Pricing, and Mortgage Condo Rider all indicate the subject property is considered a condo vs PUD. The file is missing the Condo Questionnaire and Budget are required in order to determine Warrantability. Pease note, if the subject is determined as Non-Warrantable, it will not be eligible. | stand alone property site condos have a waiver, and not required. the appraisals for site condos may be on either standard XXX OR XXX for condo | HOA Questionnaire Provided; Client states: stand alone property site condos have a waiver, and not required. the appraisals for site condos may be on either standard XXX OR XXX for condo. LM Updated.; HOA Questionnaire Missing HOA Questionnaire Missing The XXX Purchase Contract, Legal Description, Lock Pricing, and Mortgage Condo Rider all indicate the subject property is considered a condo vs PUD. The file is missing the Condo Questionnaire and Budget are required in order to determine Warrantability. Pease note, if the subject is determined as Non-Warrantable, it will not be eligible. | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 2/5/2026 | D | A | D | A | D | A | D | A | D | A | D | A | |
| XXX | XXXXX | 305024039 | FCOM8997 | 2/2/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 2/2/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305024039 | FPRO8998 | 2/2/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 2/2/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305024039 | FCRE8999 | 2/2/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 2/2/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305024040 | FCOM8997 | 1/26/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 1/26/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305024040 | FCRE8999 | 1/26/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 1/26/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305024040 | FPRO8998 | 1/26/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 1/26/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305026167 | FCRE5116 | 1/23/2026 | Credit | Missing Doc | Missing VOM or VOR | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. Borrowers are currently renting the subject. Guidelines require rental history to be documented with a copy of the lease agreement, or a Verification of Rent (VOR). Neither document is in the file. | Document Uploaded. vor XXX | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing; Client re-loaded XXX and provided statement from the Property Manager at XXX XXX XXX. The statement reflects the borrower is not being evicted, is not in collections and a XXX balance. Last payment received XX/XX/XXXX. It also states the move in date XX/XX/XXXX and Move Out date of XX/XX/XXXX. Previous to this the Borrower owned the property. LM Updated. | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 1/23/2026 | D | A | D | A | D | A | D | A | D | A | D | A | |
| XXX | XXXXX | 305026167 | FCRE5393 | 1/16/2026 | Credit | Insurance | Mortgage Insurance Defect | Mortgage Insurance not allowed. Provide updated documents removing Mortgage Insurance | Document Uploaded. updated closing docs | Client provided Updated Closing Disclosure, First Payment letter and Initial Escrow Disclosure reflecting Mortgage Insurance was removed. | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 1/16/2026 | C | A | C | A | C | A | C | A | C | A | C | A | |
| XXX | XXXXX | 305026167 | FCOM8997 | 1/13/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 1/13/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305026167 | FPRO8998 | 1/13/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan. | Informational Only | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 1/13/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305047131 | FCRE5116 | 2/2/2026 | Credit | Missing Doc | Missing VOM or VOR | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. All borrowers/guarantors must document a XXX-month housing history to qualify. The note date is XX/XX/XXXX. Credit pulled XX/XX/XXXX. XXX Mortgage #XXX DLA is XX/XX/XXXX. XXX Mortgage #XXX DLA is XX/XX/XXXX XXX #XXX DLA is XX/XX/XXXX. | ; Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing | Rescinded | D | A | D | A | D | A | D | A | D | A | D | A | ||||
| XXX | XXXXX | 305047131 | FCRE1202 | 1/30/2026 | Credit | Missing Doc | Third Party Fraud Report Partially Provided | Third Party Fraud Report Partially Provided Required third party fraud report for business is missing from loan file. | Not required for the BYOG guides, this is a requirement inly for XXX programs | ; Third Party Fraud Report is fully present; Third Party Fraud Report Partially Provided Required third party fraud report for business is missing from loan file. | Rescinded | D | A | D | A | D | A | D | A | D | A | D | A | |||
| XXX | XXXXX | 305047131 | FCOM8997 | 1/30/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 1/30/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305047131 | FPRO8998 | 1/30/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 1/30/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305027443 | FCRE8999 | 1/15/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 1/15/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305027443 | FPRO8998 | 1/15/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 1/15/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305027443 | FCOM8997 | 1/15/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 1/15/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305027454 | FCRE1202 | 1/23/2026 | Credit | Missing Doc | Third Party Fraud Report Partially Provided | Third Party Fraud Report Partially Provided Missing Fraud for B1 | Document Uploaded. fraud report | Third Party Fraud Report is fully present; Client provided LexisNexis SmartLinx Person Report dated XX/XX/XXXX. LM Updated. | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 1/23/2026 | D | A | D | A | D | A | D | A | D | A | D | A | |
| XXX | XXXXX | 305027454 | FCOM1221 | 1/21/2026 | Credit | Missing Doc | The Deed of Trust is Incomplete | The Deed of Trust is Incomplete Mortgage is not stamped "true and certified" as required per guidelines. | Please advise what guideline you are referring to that requires the DOT to be T&C in the credit file. | ; The Deed of Trust is Present and Complete | Rescinded | A | A | A | A | A | A | A | A | A | A | A | A | |||
| XXX | XXXXX | 305027454 | FCRE2109 | 1/21/2026 | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Documentation detailing the DSCR calculation was not found in the file and is required per guidelines. | Document Uploaded. DSCR CALC | Client provided DSCR Calculation. LM Updated. | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 1/21/2026 | D | A | D | A | D | A | D | A | D | A | D | A | |
| XXX | XXXXX | 305027454 | FCRE5123 | 1/21/2026 | Credit | Missing Doc - Credit | Missing Business Entity Formation Document | Guidelines require a copy of the Articles of Incorporation and a Certificate of Good Standing for the borrower's business, XXX | Document Uploaded. Articles or Organization and cert of good standing. Please note that the borrowing entity is "XXX" | Client provided Articles of Organization and Certificate of Good Standing. LM Updated.; Client provided Articles of Organization and Certificate of Good Standing. LM Updated. | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 1/21/2026 | D | A | D | A | D | A | D | A | D | A | D | A | |
| XXX | XXXXX | 305027454 | FCRE1161 | 1/21/2026 | Credit | Missing Doc | Flood Certificate Missing | Missing Flood Certificate The flood cert was not available at the time of review. | Document Uploaded. flood cert | Flood Certificate is fully present; Client provided Flood Cert for the subject property. LM Updated. | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 1/21/2026 | D | A | D | A | D | A | D | A | D | A | D | A | |
| XXX | XXXXX | 305027454 | FPRO9990 | 1/21/2026 | Property | Third Party Valuation | Third Party Valuation Product Not Provided within 10% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. The FNMA and FHLMC UCDP summaries were not available at the time of review. | CDA found on page XXX uploaded appraisal | Third party valuation product provided within tolerance. | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 1/21/2026 | C | A | C | A | C | A | C | A | C | A | C | A | |
| XXX | XXXXX | 305027454 | FPRO1242 | 1/21/2026 | Property | Missing Doc | Appraisal is Missing | Appraisal is Missing. Full appraisal was not available at the time of review. Appraisal must include color photos. | Document Uploaded. APPRAISAL | Appraisal is Present or is Waived; Client provided full Appraisal with color photos. LM Updated. | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 1/21/2026 | D | A | D | A | D | A | D | A | D | A | D | A | |
| XXX | XXXXX | 305027454 | FCOM8997 | 1/19/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 1/19/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305034651 | finding-3352 | 2/20/2026 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § XXX(a)(XXX) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. This loan failed the higher-priced mortgage loan test. (12 CFR § XXX(a)(XXX)). The file did not contain evidence that the appraisal was delivered to the borrower within XXX days of consummation. | Please see uploaded appraisal delivery documents for review | Appraisal delivery provided; exception resolved | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 2/20/2026 | C | A | C | A | C | A | C | A | C | A | C | A | |
| XXX | XXXXX | 305034651 | finding-3367 | 2/20/2026 | Compliance | Disclosure | RESPA Homeownership Counseling Organizations Disclosure Date Test | HOC list provided is not dated within XXX days of the XXX HOC list provided is not dated within XXX days of the XXX This loan failed the homeownership counseling organizations disclosure date test due to the following findings: (12 CFR §XXX(a) he loan has a homeownership counseling organizations disclosure date that is not within three business days of the loan originator's XXX (or the date creditor received application if loan originator's XXX is not provided); orThe homeownership counseling organizations disclosure date is after the XXX ot later than three business days after a lender, mortgage broker, or dealer receives an application, or information sufficient to complete an application, the lender must provide the loan applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. The list of homeownership counseling organizations distributed to each loan applicant under this section shall be obtained no earlier than XXX days prior to the time when the list is provided to the loan applicant from either:(XXX he website maintained by the Bureau for lenders to use in complying with the requirements of this section; or(XXX ata made available by the Bureau or HUD for lenders to use in complying with the requirements of this section, provided that the data is used in accordance with instructions provided with the data his calculation take into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §XXX(b) and as it relates to §XXX (list of homeownership counseling organizations provided not later than XXX business days after a loan originator receives an application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:As not being open on SundayAs not being open on SaturdayPLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, ComplianceAnalyzer calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict lease note: This test does not validate the content of any list of homeownership counseling organizations. This loan failed the homeownership counseling organizations disclosure date test due to the following findings: (12 CFR §XXX(a) he loan has a homeownership counseling organizations disclosure date that is not within three business days of the loan originator's XXX (or the date creditor received application if loan originator's XXX is not provided); orThe homeownership counseling organizations disclosure date is after the XXX ot later than three business days after a lender, mortgage broker, or dealer receives an application, or information sufficient to complete an application, the lender must provide the loan applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. The list of homeownership counseling organizations distributed to each loan applicant under this section shall be obtained no earlier than XXX days prior to the time when the list is provided to the loan applicant from either:(XXX he website maintained by the Bureau for lenders to use in complying with the requirements of this section; or(XXX ata made available by the Bureau or HUD for lenders to use in complying with the requirements of this section, provided that the data is used in accordance with instructions provided with the data his calculation take into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §XXX(b) and as it relates to §XXX (list of homeownership counseling organizations provided not later than XXX business days after a loan originator receives an application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:As not being open on SundayAs not being open on SaturdayPLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, ComplianceAnalyzer calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict lease note: This test does not validate the content of any list of homeownership counseling organizations. Please clarify what is being used as the XXX? Both the loan application and Homeowners Counseling acknowledgement provided were signed on XX/XX/XXXX. The borrower signed the XXX on XX/XX/XXXX, however this is still only XXX day prior to the disclosure. Please clarify what is being used as the XXX? Both the loan application and Homeowners Counseling acknowledgement provided were signed on XX/XX/XXXX. The borrower signed the XXX on XX/XX/XXXX, however this is still only XXX day prior to the disclosure. Please clarify what is being used as the XXX? Both the loan application and Homeowners Counseling acknowledgement provided were signed on XX/XX/XXXX. The borrower signed the XXX on XX/XX/XXXX, however this is still only XXX day prior to the disclosure. Document Uploaded. Uploaded response from lender with snapshot confirming TRID XXX as XX/XX/XXXX Document Uploaded. Uploaded response from lender with snapshot confirming TRID XXX as XX/XX/XXXX Document Uploaded. Uploaded response from lender with snapshot confirming TRID XXX as XX/XX/XXXX This loan failed the homeownership counseling organizations disclosure date test due to the following findings: (12 CFR §XXX(a) he loan has a homeownership counseling organizations disclosure date that is not within three business days of the loan originator's XXX (or the date creditor received application if loan originator's XXX is not provided); orThe homeownership counseling organizations disclosure date is after the XXX ot later than three business days after a lender, mortgage broker, or dealer receives an application, or information sufficient to complete an application, the lender must provide the loan applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. The list of homeownership counseling organizations distributed to each loan applicant under this section shall be obtained no earlier than XXX days prior to the time when the list is provided to the loan applicant from either:(XXX he website maintained by the Bureau for lenders to use in complying with the requirements of this section; or(XXX ata made available by the Bureau or HUD for lenders to use in complying with the requirements of this section, provided that the data is used in accordance with instructions provided with the data his calculation take into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §XXX(b) and as it relates to §XXX (list of homeownership counseling organizations provided not later than XXX business days after a loan originator receives an application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:NonePlease note: This test does not validate the content of any list of homeownership counseling organizations. This loan failed the homeownership counseling organizations disclosure date test due to the following findings: (12 CFR §XXX(a) he loan has a homeownership counseling organizations disclosure date that is not within three business days of the loan originator's XXX (or the date creditor received application if loan originator's XXX is not provided); orThe homeownership counseling organizations disclosure date is after the XXX ot later than three business days after a lender, mortgage broker, or dealer receives an application, or information sufficient to complete an application, the lender must provide the loan applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. The list of homeownership counseling organizations distributed to each loan applicant under this section shall be obtained no earlier than XXX days prior to the time when the list is provided to the loan applicant from either:(XXX he website maintained by the Bureau for lenders to use in complying with the requirements of this section; or(XXX ata made available by the Bureau or HUD for lenders to use in complying with the requirements of this section, provided that the data is used in accordance with instructions provided with the data his calculation take into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §XXX(b) and as it relates to §XXX (list of homeownership counseling organizations provided not later than XXX business days after a loan originator receives an application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:NonePlease note: This test does not validate the content of any list of homeownership counseling organizations. Document Uploaded. Please see attached disclosure tracking to support Homeownership counseling was received. Document Uploaded. Please see attached disclosure tracking to support Homeownership counseling was received. Document Uploaded. Please see attached disclosure tracking to support Homeownership counseling was received. Document Uploaded. Homeowners Counseling list uploaded Document Uploaded. Homeowners Counseling list uploaded Document Uploaded. Homeowners Counseling list uploaded Client provided copy of HCO list dated XX/XX/XXXX for testing. Exception resolved | A copy of the HOC list dated within XXX business days of application is required to confirm the list was compliant with the requirements of the regulation in order to resolve ; The acknowledgement of receipt of the HOC list provided is dated XX/XX/XXXX which is not within XXX days of the XXX (XX/XX/XXXX); When there is documentation in the file that would contradict the application, the more conservative date is used. The borrowers signature on an application is not considered as the date of application, Please confirm the date the lender received all XXX pieces of information required to be considered a complete application | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 2/20/2026 | B | A | B | A | B | A | B | A | B | A | B | A | ||
| XXX | XXXXX | 305034651 | FCOM3849 | 2/20/2026 | Compliance | Disclosure | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). The file did not contain evidence that showed a copy of the appraisal was provided to the consumer promptly upon completion or at least XXX-business days prior to consummation date XX/XX/XXXX. | Document Uploaded. Appraisal delivery uploaded | Evidence of appraisal delivery provided. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 2/20/2026 | B | A | B | A | B | A | B | A | B | A | B | A | |
| XXX | XXXXX | 305034651 | FCOM9186 | 2/20/2026 | Compliance | Missing Doc | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. The e-Signed documents consent is missing. The first e-signed document in the file is dated XX/XX/XXXX The file did not contain any e-consents. Please provide an e-consent dated XX/XX/XXXX or before | Document Uploaded. Esign consent uploaded | Evidence of eConsent is provided. The eSigned documents consent is missing. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 2/20/2026 | B | A | B | A | B | A | B | A | B | A | B | A | |
| XXX | XXXXX | 305034651 | FCOM1266 | 2/20/2026 | Compliance | Missing Doc | Homeownership Counseling Disclosure Is Missing | Homeownership Counseling Disclosure Is Missing The Homeownership Counseling Disclosure Is Missing. The defect can be resolved by providing evidence that shows the disclosure was provided within XXX business days of application. | Document Uploaded. Homeowners Counseling Acknowledgment uploaded | Homeownership Counseling Disclosure Is Present or Not Applicable | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 2/20/2026 | B | A | B | A | B | A | B | A | B | A | B | A | |
| XXX | XXXXX | 305034651 | FCOM3608 | 2/20/2026 | Compliance | Missing Doc | Intent to Proceed is Missing | The intent to proceed is missing. The defect can be resolved by providing evidence that shows the disclosure was provided within XXX business days of application. The intent to proceed is missing. The defect can be resolved by providing evidence that shows the disclosure was provided within XXX business days of application. | Document Uploaded. Intent to Proceed uploaded | Proof of Intent to Proceed has been provided. The intent to proceed is missing. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 2/20/2026 | B | A | B | A | B | A | B | A | B | A | B | A | |
| XXX | XXXXX | 305034651 | finding-3634 | 2/13/2026 | Compliance | TRID Tolerance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (12 CFR §XXX(e)(XXX)(i) he loan contains charges that exceed the good faith determination according to §XXX(e)(XXX)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX(e)(XXX)(i). This loan failed the charges that cannot increase test. (12 CFR §XXX(e)(XXX)(i) he loan contains charges that exceed the good faith determination according to §XXX(e)(XXX)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX(e)(XXX)(i). Document Uploaded. Comment from Lender: "Please see the attached SSPL. The borrower chose to shop therefore the title fees have an unlimited tolerance. Initial LE also attached for verification." Document Uploaded. Comment from Lender: "Please see the attached SSPL. The borrower chose to shop therefore the title fees have an unlimited tolerance. Initial LE also attached for verification." Document Uploaded. Comment from Lender: "Please see the attached SSPL. The borrower chose to shop therefore the title fees have an unlimited tolerance. Initial LE also attached for verification." This loan failed the charges that cannot increase test. (12 CFR §XXX(e)(XXX)(i) he loan contains charges that exceed the good faith determination according to §XXX(e)(XXX)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX(e)(XXX)(i). This loan failed the charges that cannot increase test. (12 CFR §XXX(e)(XXX)(i) he loan contains charges that exceed the good faith determination according to §XXX(e)(XXX)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX(e)(XXX)(i). Lender confirmed XXX is XX/XX/XXXX Lender confirmed XXX is XX/XX/XXXX | Please see uploaded response from lender with snapshot confirming TRID XXX as XX/XX/XXXX | LE provided was not dated within XXX days of the application and the file did not contain any valid COCs | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 2/13/2026 | C | A | C | A | C | A | C | A | C | A | C | A | |
| XXX | XXXXX | 305034651 | finding-3635 | 2/13/2026 | Compliance | TRID Tolerance | Charges That In Total Cannot Increase More Than 10% Test | This loan failed the charges that in total cannot increase more than XXX% test. (12 CFR §XXX(e)(XXX)(ii) he loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §XXX(e)(XXX)(ii). The final charges that in total cannot increase more than XXX% XXX exceed the comparable charges XXX by more than XXX% Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures n estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §XXX(e)(XXX)(i) by more than XXX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §XXX(e)(XXX)(vi). This loan failed the charges that in total cannot increase more than XXX% test. (12 CFR §XXX(e)(XXX)(ii) he loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §XXX(e)(XXX)(ii). The final charges that in total cannot increase more than XXX% XXX exceed the comparable charges XXX by more than XXX% Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures n estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §XXX(e)(XXX)(i) by more than XXX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §XXX(e)(XXX)(vi). Please provide specifics on details regarding tolerance issue. Per Lender: "Please see the attached SSPL. The borrower chose to shop therefore the title fees have an unlimited tolerance. Initial LE also attached for verification." Please provide specifics on details regarding tolerance issue. Per Lender: "Please see the attached SSPL. The borrower chose to shop therefore the title fees have an unlimited tolerance. Initial LE also attached for verification." Please provide specifics on details regarding tolerance issue. Per Lender: "Please see the attached SSPL. The borrower chose to shop therefore the title fees have an unlimited tolerance. Initial LE also attached for verification." Lender confirmed XXX is XX/XX/XXXX; exception resolved Lender confirmed XXX is XX/XX/XXXX; exception resolved | Please see uploaded response from lender with snapshot confirming TRID XXX as XX/XX/XXXX | LE provided was not dated within XXX days of the application, the file did not contain an SSPL dated within XXX days of the application and the file did not contain any valid COCs | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 2/13/2026 | C | A | C | A | C | A | C | A | C | A | C | A | |
| XXX | XXXXX | 305034651 | finding-3515 | 2/13/2026 | Compliance | TRID | Initial Loan Estimate Delivery Date Test (from application) | LE provided is not dated within XXX days of the XXX LE provided is not dated within XXX days of the XXX This loan failed the initial loan estimate delivery date test (from application) due to one of the following: (12 CFR §XXX(e)(XXX)(iii)(A) he initial loan estimate delivery date is later than the third business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions) after the creditor or broker receives the consumer's written application herefore, if additional disclosures are entered into ComplianceAnalyzer, any values that would change under a valid changed circumstance if the initial loan estimate had been delivered timely, will not reset the baseline for tolerance purposes. The comparable fees for this loan will be XXX regardless of the actual values on the disclosure his calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §XXX(a)(XXX) and as it relates to §XXX(e)(XXX)(iii)(A) (initial loan estimate disclosure three business days after application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:As not being open on SundayAs not being open on SaturdayPLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, ComplianceAnalyzer calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict he creditor shall deliver or place in the mail the disclosures required under §XXX(e)(XXX)(i) (provision of loan estimate form) not later than the third business day after the creditor receives the consumer's application. This loan failed the initial loan estimate delivery date test (from application) due to one of the following: (12 CFR §XXX(e)(XXX)(iii)(A) he initial loan estimate delivery date is later than the third business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions) after the creditor or broker receives the consumer's written application herefore, if additional disclosures are entered into ComplianceAnalyzer, any values that would change under a valid changed circumstance if the initial loan estimate had been delivered timely, will not reset the baseline for tolerance purposes. The comparable fees for this loan will be XXX regardless of the actual values on the disclosure his calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §XXX(a)(XXX) and as it relates to §XXX(e)(XXX)(iii)(A) (initial loan estimate disclosure three business days after application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:As not being open on SundayAs not being open on SaturdayPLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, ComplianceAnalyzer calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict he creditor shall deliver or place in the mail the disclosures required under §XXX(e)(XXX)(i) (provision of loan estimate form) not later than the third business day after the creditor receives the consumer's application. Please advise and verify initial XXX. Borrower signed XXX on XX/XX/XXXX and LE was issued the same day. Please advise and verify initial XXX. Borrower signed XXX on XX/XX/XXXX and LE was issued the same day. Please advise and verify initial XXX. Borrower signed XXX on XX/XX/XXXX and LE was issued the same day. Please see uploaded response from lender with snapshot confirming TRID XXX as XX/XX/XXXX Please see uploaded response from lender with snapshot confirming TRID XXX as XX/XX/XXXX Please see uploaded response from lender with snapshot confirming TRID XXX as XX/XX/XXXX Lender confirmed XXX is XX/XX/XXXX; exception resolved Lender confirmed XXX is XX/XX/XXXX; exception resolved | When there is documentation in the file that would contradict the application, the more conservative date is used. The borrowers signature on an application is not considered as the date of application, Please confirm the date the lender received all XXX pieces of information required to be considered a complete application | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 2/13/2026 | C | A | C | A | C | A | C | A | C | A | C | A | ||
| XXX | XXXXX | 305034651 | FCOM1221 | 2/10/2026 | Credit | Missing Doc | The Deed of Trust is Incomplete | The Deed of Trust is Incomplete Mortgage is not stamped "true and certified" as required per guidelines. | Document Uploaded. Certified copy of mortgage | The Deed of Trust is Present and Complete; CTC of Deed; The Deed of Trust is Incomplete Mortgage is not stamped "true and certified" as required per guidelines. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 2/10/2026 | D | A | D | A | D | A | D | A | D | A | D | A | |
| XXX | XXXXX | 305034651 | FCOM3531 | 2/9/2026 | Compliance | TRID | Higher-Priced Mortgage Loan Evidence of Appraisal Delivery to the Borrower Not Provided (12 CFR 1026.35(c)(6)) | Evidence of Appraisal Delivery to the Borrower Not Provided. The loan is an HPML. Evidence that a copy of the written appraisal to the consumer withing XXX business days prior to consummation is missing. The defect can be resolved by providing evidence that shows the consumer received a copy of the appraisal report in a timely manner. | Please see uploaded appraisal delivery documents for review | Evidence of Appraisal Delivery to the Borrower Provided.; Evidence of Appraisal Delivery to the Borrower Not Provided. The loan is an HPML. Evidence that a copy of the written appraisal to the consumer withing XXX business days prior to consummation is missing. The defect can be resolved by providing evidence that shows the consumer received a copy of the appraisal report in a timely manner. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 2/9/2026 | C | A | C | A | C | A | C | A | C | A | C | A | |
| XXX | XXXXX | 305034651 | FCOM5135 | 2/9/2026 | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing Documentation required to clear exception: Please provide proof that the Affiliated Business Disclosure was provided prior to closing or provide confirmation that the lender has no affiliates. | ; Investor acknowledges exception. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Acknowledged | No | B | B | B | B | B | B | B | B | B | B | B | B | ||
| XXX | XXXXX | 305034651 | FCOM1252 | 2/9/2026 | Compliance | Missing Doc | TRID: Missing Loan Estimate | Documentation required to clear exception. The Initial Loan Estimate as well as any subsequent Loan Estimates are missing from the loan file. As a result, the tolerance violation review could not be performed. The violation can be cured by providing the initial LE within XXX days of application XX/XX/XXXX and any additional Loan estimates that were provided to the consumer. Additional testing will be completed once received. | Document Uploaded. Initial LE uploaded | Initial LE provided; exception resolved | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 2/9/2026 | D | A | D | A | D | A | D | A | D | A | D | A | |
| XXX | XXXXX | 305034651 | FPRO8998 | 2/6/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only; Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 2/6/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305028829 | FCRE5123 | 1/21/2026 | Credit | Missing Doc - Credit | Missing Business Entity Formation Document | Missing tax identification number/EIN Missing Certificate of Good standing. | Document Uploaded. COGS | Client provided State of XXX of State Certificate of Status reflecting a Date of Initial Filing of XX/XX/XXXX and Current dated XX/XX/XXXX. LM Updated. | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 1/21/2026 | D | A | D | A | D | A | D | A | D | A | D | A | |
| XXX | XXXXX | 305028829 | FCRE1202 | 1/19/2026 | Credit | Missing Doc | Third Party Fraud Report Partially Provided | Third Party Fraud Report Partially Provided Missing Entity Fraud Report for XXX | Document Uploaded. Entity fraud report | Client provided Fraud Report ran for XXX dated XX/XX/XXXX. ; Third Party Fraud Report is fully present | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 1/19/2026 | D | A | D | A | D | A | D | A | D | A | D | A | |
| XXX | XXXXX | 305028829 | FCRE8999 | 1/13/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 1/13/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305028829 | FPRO8998 | 1/13/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 1/13/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305028829 | FCOM8997 | 1/13/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 1/13/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305029164 | FCOM1232 | 1/22/2026 | Credit | Missing Doc | The Final 1003 is Missing | The Final XXX is Missing The Final XXX was not available at the time of review | Non-standard credit application is acceptable; Document Uploaded. Credit App | The Final XXX is Present; Client states: Non-standard credit application is acceptable. LM Updated.; Client provided XXX signed and dated XX/XX/XXXX. Missing Final XXX LM Updated. | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 1/22/2026 | D | A | D | A | D | A | D | A | D | A | D | A | |
| XXX | XXXXX | 305029164 | FCRE1253 | 1/22/2026 | Credit | Eligibility | Missing Property Tax Cert | Missing Property Tax Cert Property tax certification was not available at the time of review. | Document Uploaded. Tax Cert | Property Tax Cert Provided; Client provided XXX County Government Property tax search reflecting property tax amount and that it is current. LM Updated. | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 1/22/2026 | C | A | C | A | C | A | C | A | C | A | C | A | |
| XXX | XXXXX | 305029164 | FCRE2500 | 1/22/2026 | Credit | Missing Doc | Missing Personal Guaranty | Missing Personal Guaranty. Guaranty Agreement was not provided at the time of review. | Document Uploaded. Guaranty Agreements | Personal Guaranty provided.; Client provided Personal Guaranty from the Borrower signed and dated XX/XX/XXXX. LM Updated. | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 1/22/2026 | D | A | D | A | D | A | D | A | D | A | D | A | |
| XXX | XXXXX | 305029164 | FCRE1161 | 1/22/2026 | Credit | Missing Doc | Flood Certificate Missing | Missing Flood Certificate The flood certification was not provided at the time of review | Document Uploaded. Flood Cert | Flood Certificate is fully present; Client provided Flood Certificate for the subject property. LM Updated. | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 1/22/2026 | D | A | D | A | D | A | D | A | D | A | D | A | |
| XXX | XXXXX | 305029164 | FVAL5524 | 1/20/2026 | Property | Property | Ineligible Property | Property is located on a sensitive area of XXX, this geographic area is subject to additional due diligence and investor approval. | Rescinded | A | A | A | A | A | A | A | A | A | A | A | A | |||||
| XXX | XXXXX | 305029164 | FCOM8997 | 1/20/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 1/20/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305029202 | FCRE1254 | 1/26/2026 | Credit | Title | Property Title Issue | Property Title Issue Document XXX lien on title in the amount of XXX was released / satisfied | Document Uploaded. Attached HUDs and Payoff Statements for all other loans mentioned on the LOE provided. Note the final LOE regarding XXX stating that this property was released from the mortgage with no additional compensation due. | Property Title Issue Resolved; Client provided Payoff Explanation letter. The letter states: The referred to lien account #XXX is secured by XXX properties located at XXX XXX, XXX, XXX, XXX and XXX. We have previously provided you with partial payoff statements as to the XXX properties that are not XXX. The combined total of those XXX partial payoffs is sufficient to pay our loan #XXX. The Client also provided The payoff statements and Corresponding Settlement statement reflecting payoff for #XXX present. LM Updated. | XXX is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 1/26/2026 | C | A | C | A | C | A | C | A | C | A | C | A | |
| XXX | XXXXX | 305029202 | FCRE2008 | 1/23/2026 | Credit | Insurance | Rent Loss Coverage Not Sufficient | The Loss Rent Coverage is Sufficient field on the Rent Loss Coverage Details card, found on the Property Insurance page is selected as No, indicating the loss rent coverage does not meet guideline requirements. Please check for accuracy and make appropriate corrections. Provide XXX months’ Rent Loss Insurance coverage. Policy in file reflects Loss of Use. | Document Uploaded. Please see previous version of the insurance which shows coverage D also listed as Fair Rental Value. | Loss Rent Coverage is Sufficient; Client provided previous Hazard Declaration reflecting Coverage D as Rent Loss. Current policy reflects Coverage D Loss of Use XXX LM Updated. | XXX is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 1/23/2026 | C | A | C | A | C | A | C | A | C | A | C | A | |
| XXX | XXXXX | 305029202 | FCRE0360 | 1/21/2026 | Credit | Borrower | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete. The lender's guidelines require XXX and XXX on mortgage loans per credit report. No mortgage late payment in the prior XXX months from the date of the credit report. Any delinquent mortgage payment at the time of origination or XXX-day late mortgage payment in the preceding XXX months reflected on the verification of mortgage. The loan file contained the credit report reflecting the mortgage with Primary Residential with no lates and a letter from XXX reflecting a request for VOMs. The letter reflected there was XXX loans for XXX properties. #XXX XXX, #XXX XXX, #XXX XXX and XXX XXX, #XXX for XXX XXX, XXX XXX, XXX XXX, XXX and XXX XXX. The loan file contained the VOM for #XXX and was missing VOMs for #XXX, #XXX, and #XXX. | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not partially present. | XXX is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 1/21/2026 | C | A | C | A | C | A | C | A | C | A | C | A | ||
| XXX | XXXXX | 305029202 | FVAL5524 | 1/20/2026 | Property | Property | Ineligible Property | Property is located on a sensitive area of XXX, this geographic area is subject to additional due diligence and investor approval. | Rescinded | A | A | A | A | A | A | A | A | A | A | A | A | |||||
| XXX | XXXXX | 305029202 | FCOM8997 | 1/20/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | XXX is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 1/20/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305029220 | FCOM8997 | 1/23/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Please resolve and close out | Informational | XXX is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 1/23/2026 | A | A | A | A | A | A | A | A | A | A | A | A | |
| XXX | XXXXX | 305029220 | FCRE8999 | 1/21/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | XXX is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 1/21/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305029219 | FCRE1202 | 1/20/2026 | Credit | Missing Doc | Third Party Fraud Report Partially Provided | Third Party Fraud Report Partially Provided Entity fraud report provided, missing fraud for B1 | ; Third Party Fraud Report is fully present | Rescinded | A | A | A | A | A | A | A | A | A | A | A | A | ||||
| XXX | XXXXX | 305029219 | FVAL5524 | 1/20/2026 | Property | Property | Ineligible Property | XXX city metro area subject to additional due diligence and investor approval. | Rescinded | A | A | A | A | A | A | A | A | A | A | A | A | |||||
| XXX | XXXXX | 305029219 | FCOM8997 | 1/20/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | XXX is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 1/20/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305029219 | FCRE8999 | 1/20/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | XXX is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 1/20/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305029227 | FPRO8998 | 1/20/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan. | Informational Only | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 1/20/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305029227 | FCRE8999 | 1/20/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. The loan meets all applicable credit guidelines. | Informational Only | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 1/20/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305029227 | FCOM8997 | 1/20/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 1/20/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305029726 | FCRE1164 | 2/23/2026 | Credit | Missing Doc | Flood Insurance Policy Missing | Missing Flood Insurance Policy The Standard Flood Hazard Determination Form reflected the subject property was in zone AE, which requires flood insurance. The loan file did not contain documentation showing the property had flood insurance. | Document Uploaded. Flood insurance and invoice | Flood Insurance Policy is fully present; Client provided Flood Insurance Policy and payment receipt. LM Updated.; Missing Flood Insurance Policy The Standard Flood Hazard Determination Form reflected the subject property was in zone AE, which requires flood insurance. The loan file did not contain documentation showing the property had flood insurance. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 2/23/2026 | D | A | D | A | D | A | D | A | D | A | D | A | |
| XXX | XXXXX | 305029726 | FCRE1169 | 2/23/2026 | Credit | Insurance | Flood Insurance Effective Date is after the Disbursement Date | Flood Insurance Effective Date of XX/XX/XXXX is after the Disbursement Date of XX/XX/XXXX | Document Uploaded. Condo Master Flood Policy; per lender: The master flood insurance was in effect as of the XXX but the borrower had to get a supplemental policy after the HOA reneged on their promise to increase the coverage. Is there any way they will accept the master in conjunction with the borrower’s supplemental policy? | Flood Insurance Effective Date of XX/XX/XXXX is prior to or equal to the Disbursement Date of XX/XX/XXXX Or Flood Insurance Effective Date Is Not Provided; Client provided Renewal Flood Insurance Policy reflecting Policy term from XX/XX/XXXX to XX/XX/XXXX. LM Updated.; Master Policy would show coverage on flood insurance prior to the updated supplemental, Please provide master policy. ; Client provided Flood Insurance policy with an Effective date of XX/XX/XXXX. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 2/23/2026 | C | A | C | A | C | A | C | A | C | A | C | A | |
| XXX | XXXXX | 305029726 | FCOM3849 | 1/28/2026 | Compliance | Disclosure | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). Missing proof the borrower received a copy of the appraisal XXX business days prior to closing. | Document Uploaded. Appraisal acknowledgment of receipt uploaded | Evidence of appraisal delivery provided. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 1/28/2026 | B | A | B | A | B | A | B | A | B | A | B | A | |
| XXX | XXXXX | 305029726 | FCOM1221 | 1/28/2026 | Credit | Missing Doc | The Deed of Trust is Incomplete | The Deed of Trust is Incomplete Mortgage is not stamped "true and certified" as required per XXX Non-QM guidelines. | Document Uploaded. Stamped Mortgage uploaded | The Deed of Trust is Present and Complete; CTC copy of Mortgage; The Deed of Trust is Incomplete Mortgage is not stamped "true and certified" as required per XXX Non-QM guidelines. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 1/28/2026 | D | A | D | A | D | A | D | A | D | A | D | A | |
| XXX | XXXXX | 305029726 | FPRO8998 | 1/26/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan. | Informational | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 1/26/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305029729 | FCRE4104 | 2/3/2026 | Credit | Missing Doc | Missing explanation and supporting documentation for large deposit(s) | The lender's guidelines reflect assets to be documented with the most recent monthly statement and large deposits, defined as a single deposit that exceeds XXX% of the XXX, must be sourced. The final application reflect assets in the amount of XXX are being used from the XXX checking account #XXX. The statement reflects a large deposit on XX/XX/XXXX in the amount of $XXX. The note reflects a XXX of XXX X XXX% = $XXX. The loan file did not contain the documentation for the large deposit of XXX on XX/XX/XXXX. | Per guidelines XXX dscr v11 section XX/XX/XXXX page XXX Large deposits that cannot be sourced may be subtracted from asset amount. | Per guidelines XXX dscr v11 section XX/XX/XXXX page XXX Large deposits that cannot be sourced may be subtracted from asset amount. LM Updated. | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 2/3/2026 | D | A | D | A | D | A | D | A | D | A | D | A | |
| XXX | XXXXX | 305029729 | FCOM8997 | 1/26/2026 | Compliance | Data | No Compliance Findings | Transaction meets BP guidelines. Transaction is a Purchase of an investment property. Transaction is exempt from TRID/QM. The loan is in compliance with all applicable laws and regulations. | Informational Only | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 1/26/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305029729 | FPRO8998 | 1/26/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan. | Informational Only | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 1/26/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305057821 | FCOM1208 | 2/12/2026 | Credit | Missing Doc | The Note is Incomplete | The Note is Incomplete The Underwriter Summary, Post Closing Boarding Data and the amortization schedule indicate the loan is an Interest Only loan. The Interest Only Addendum to the Note is missing from the file. | Document Uploaded. Interest Only Note uploaded | The Note is Present; Client provided updated Note reflecting Interest-Only Period Fixed Rate Note. LM Updated. | XXX is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Borrower has stable job time - Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 2/12/2026 | D | A | D | A | D | A | D | A | D | A | D | A | |
| XXX | XXXXX | 305057821 | FVAL8946 | 1/15/2026 | Property | Missing Doc | Missing Appraisal | Provide updated CDA within XXX days old from the date of the Note (XX/XX/XXXX) | Document Uploaded. Updated CDA | Client provided Updated CDA dated XX/XX/XXXX with a value of XXX Cleared.; Client provided Updated CDA dated XX/XX/XXXX with a value of XXX LM Updated. | XXX is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Borrower has stable job time - Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 1/15/2026 | D | A | D | A | D | A | D | A | D | A | D | A | |
| XXX | XXXXX | 305057821 | FCRE1335 | 1/14/2026 | Credit | Missing Doc | Borrower 1 IRS Transcripts Missing | Borrower XXX IRS Transcripts Missing Lender's guidelines require XXX years tax transcripts. File contained the XXX transcript but the XXX transcript is missing. | Document Uploaded. We only used income from XXX Don't we only need transcripts for the years we use for income? | Client provided evidence only Ytd and XXX income was used to qualify. Do not need XXX IRS transcripts. Cleared.; Borrower XXX IRS Transcripts Provided | XXX is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Borrower has stable job time - Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 1/14/2026 | D | A | D | A | D | A | D | A | D | A | D | A | |
| XXX | XXXXX | 305057821 | FCRE1438 | 1/14/2026 | Credit | Eligibility | ATR Risk | ATR Risk Verification of borrower's business, XXX, was not in the file. | Document Uploaded. XXX existence | Client provided Verification of business XXX. Cleared.; ATR Risk Resolved | XXX is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Borrower has stable job time - Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 1/14/2026 | C | A | C | A | C | A | C | A | C | A | C | A | |
| XXX | XXXXX | 305057821 | FCRE1495 | 1/14/2026 | Credit | QM-ATR | ATR: Current Employment Not Verified | ATR: Current Employment Not Verified Missing verification of borrower's business, XXX | Document Uploaded. XXX existence | Client provided Verification of business XXX. Cleared.; ATR: Current Employment Was Verified | XXX is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Borrower has stable job time - Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 1/14/2026 | C | A | C | A | C | A | C | A | C | A | C | A | |
| XXX | XXXXX | 305057821 | FCRE1316 | 1/14/2026 | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower XXX 3rd Party VOE Prior to Close Missing Verification of borrower's business, XXX, was not in the file. | Document Uploaded. XXX existence | Client provided Verification of business XXX. Cleared.; Borrower XXX 3rd Party VOE Prior to Close Was Provided | XXX is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Borrower has stable job time - Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 1/14/2026 | D | A | D | A | D | A | D | A | D | A | D | A | |
| XXX | XXXXX | 305057821 | FCRE1184 | 1/14/2026 | Credit | Missing Doc | AUS Not Provided | Missing AUS The XXX and UW Summary indicate loan was approved through Loan Product Advisor (LPA). File is missing the LPA approval. | Document Uploaded. Corrected XXX Utilizing DU | Client provided updated XXX reflecting DU findings. Updated LM to reflect DU findings. Cleared.; AUS is not missing | XXX is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Borrower has stable job time - Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 1/14/2026 | D | A | D | A | D | A | D | A | D | A | D | A | |
| XXX | XXXXX | 305057821 | FCOM8997 | 1/13/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | XXX is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Borrower has stable job time - Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 1/13/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305057821 | FPRO8998 | 1/13/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Borrower has stable job time - Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 1/13/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305030767 | FCRE8999 | 1/28/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 1/28/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305030767 | FCOM8997 | 1/28/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 1/28/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305030767 | FPRO8998 | 1/28/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 1/28/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305031042 | FCRE1254 | 1/26/2026 | Credit | Title | Property Title Issue | Property Title Issue XXX) Title reflects Loan Modification Agreement dated XX/XX/XXXX and recorded XX/XX/XXXX. Provide satisfactory letter of explanation for the event from the borrower. XXX) XXX lease in file dated XX/XX/XXXX. Title to confirm no Solar UCC associated with the property and/or will create an easement on title is ineligible. | Document Uploaded. Final title has no mention of modification | ; Property Title Issue | Rescinded | C | A | C | A | C | A | C | A | C | A | C | A | |||
| XXX | XXXXX | 305031042 | FVAL5524 | 1/23/2026 | Property | Property | Ineligible Property | Appraisal shows property being vacant. Vacant refinance are not eligible and requires further requirements per Lender guidelines. | Has the condition for vacant property been cleared?; May I ask where the ADU exception is coming from in the guidelines?; Document Uploaded. Lease executed after inspection; Document Uploaded. Lease completed after property inspection confirms property not vacant | ; Document failed to load, unable to view documents. | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 1/23/2026 | C | A | C | A | C | A | C | A | C | A | C | A | |
| XXX | XXXXX | 305031042 | FCRE1201 | 1/22/2026 | Credit | Missing Doc | Third Party Fraud Report not Provided | Missing Third Party Fraud Report Loan file is missing fraud report for B1. Business entity report is provided. | Document Uploaded. Fraud report; Document Uploaded. Individual fraud report | Third Party Fraud Report is provided; B1 Fraud provided; Document failed to load, unable to view documents. | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 1/22/2026 | D | A | D | A | D | A | D | A | D | A | D | A | |
| XXX | XXXXX | 305031042 | FVAL3525 | 1/20/2026 | Property | Appraisal | Valuation product is deficient | Property in XXX | Rescinded | A | A | A | A | A | A | A | A | A | A | A | A | |||||
| XXX | XXXXX | 305031042 | FCOM8997 | 1/16/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 1/16/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305031474 | FCRE1148 | 1/12/2026 | Credit | Title | Title Coverage is Less than Subject Lien | Title Coverage Amount of XXX is Less than Total Amount of Subject Lien XXX | Document Uploaded. FTP | Title Coverage Amount of XXX is equal to or greater than Total Amount of Subject Lien $XXX; Updated Prelim provided | Borrower has stable job time - Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 1/12/2026 | B | A | B | A | B | A | B | A | B | A | B | A | |
| XXX | XXXXX | 305031474 | FCOM3849 | 1/12/2026 | Compliance | Disclosure | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). Documentation required to clear exception: Evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date is required, but missing from the file. | Document Uploaded. Appraisal tracking history upoaded | Evidence of appraisal delivery provided. | Borrower has stable job time - Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 1/12/2026 | B | A | B | A | B | A | B | A | B | A | B | A | |
| XXX | XXXXX | 305031474 | FCRE1335 | 1/12/2026 | Credit | Missing Doc | Borrower 1 IRS Transcripts Missing | Borrower XXX IRS Transcripts Missing File contains XXX transcripts, missing XXX | Document Uploaded. Transcipts | Borrower XXX IRS Transcripts Provided; Client provided XXX IRS Transcripts for both borrowers. XXX IRS transcripts in file. Cleared. | Borrower has stable job time - Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 1/12/2026 | D | A | D | A | D | A | D | A | D | A | D | A | |
| XXX | XXXXX | 305031474 | FCRE1365 | 1/12/2026 | Credit | Missing Doc | Borrower 2 IRS Transcripts Missing | Borrower XXX IRS Transcripts Missing | Document Uploaded. Transcipts | Borrower XXX IRS Transcripts Provided or Not Applicable (Number of Borrowers equals XXX); Client provided XXX IRS Transcripts for both borrowers. XXX IRS transcripts in file. Cleared. | Borrower has stable job time - Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 1/12/2026 | D | A | D | A | D | A | D | A | D | A | D | A | |
| XXX | XXXXX | 305031474 | FPRO1136 | 1/12/2026 | Property | Appraisal | Subject property appraisal is not on an as-is basis (Primary Value) | Primary Value Subject Property Appraisal is not on an As-Is Basis | Document Uploaded. completion cert | Primary Value Subject Property Appraisal is completed on an As-Is Basis or Not Applicable; Appraisal Update and Completion report provided | Borrower has stable job time - Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 1/12/2026 | C | A | C | A | C | A | C | A | C | A | C | A | |
| XXX | XXXXX | 305031474 | finding-4033 | 1/12/2026 | Compliance | ComplianceEase | Qualified Mortgage Safe Harbor Threshold | This loan does not qualify for a safe harbor level of compliance with the qualified mortgage rule. (12 CFR §XXX(b)(XXX), (e)(XXX) his loan does not qualify for a safe harbor. The loan has an APR of XXX%. The APR threshold to qualify for a safe harbor is XXX% creditor or assignee of a qualified mortgage, that is not a higher-priced covered transaction, complies with the repayment ability requirements of paragraph (c) of this section. A creditor or assignee of a qualified mortgage, that is a higher-priced covered transaction, is presumed to comply with the repayment ability requirements of paragraph (c) of this section igher-priced covered transaction means a covered transaction with an annual percentage rate that exceeds the average prime offer rate for a comparable transaction as of the date the XXX is set by XX/XX/XXXX or more percentage points for a first-lien covered transaction, or by XX/XX/XXXX or more percentage points for a subordinate-lien covered transaction. Appraisal requirements not met, missing appraisal delivery receipt. Unable to downgrade. | Document Uploaded. investor exception approval | Borrower has stable job time - Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Acknowledged | No | B | B | B | B | B | B | B | B | B | B | B | B | ||
| XXX | XXXXX | 305031474 | FCOM1869 | 1/8/2026 | Compliance | Closing | Closing Disclosure is Not Executed | The Final closing disclosure is not executed by the borrowers. | Document Uploaded. Executed final CD uploaded | Executed CD provided; exception resolved | Borrower has stable job time - Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 1/8/2026 | B | A | B | A | B | A | B | A | B | A | B | A | |
| XXX | XXXXX | 305031474 | FPRO8998 | 1/5/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only; Informational Only | Borrower has stable job time - Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 1/5/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305031472 | FCRE0377 | 2/10/2026 | Credit | Data | The Total Hazard Coverage is LESS than the Required Coverage Amount | The hazard insurance dwelling coverage of XXX is insufficient, not meeting the required coverage amount of ($XXX). The lender's guidelines require property insurance coverage amount for a first mortgage secured by a one to four unit property is at least equal to the lesser of: XXX% of the replacement cost value of the improvements as of the current property insurance policy effective date, or the unpaid principal balance of the loan, provided it equals no less than XXX% of the replacement cost value of the improvements as of the current property insurance policy effective date. | Document Uploaded. please see highlighted statement from the insurer referring to the RCE; Document Uploaded. RCE email | Client provided email stating: RCE STATEMENT It is the practice of this agency to insure structures for XXX% of their estimated replacement cost as determined by insurance company proprietary software. Building limits are estimates only and are arrived at based on information provided by the policyholder and/or industry standard software used to estimate replacement costs. The actual cost to rebuild the structure may exceed the policy limits, especially during a catastrophic event and/or where an ordinance or law impacts repair or replacement. The agency makes no assurances that the policy limits provided will be XXX to rebuild the structure. If the amount of building coverage is questioned by the lender (or any party) the lender may supply this agency with a full copy of their appraisal on the property. If there is a discrepancy between the appraisal’s estimated replacement cost and the agency’s estimated replacement cost, after consultation with our customer, we will ask for their direction relating to the coverage amount. The estimated cost of this structure is XXX LM Updated.; The Total Hazard Coverage is greater than or equal to the Required Coverage Amount; Upload contained only email stating evidence of insurance and invoice attached. nothing was attached. The hazard insurance dwelling coverage of XXX is insufficient, not meeting the required coverage amount of ($XXX). The lender's guidelines require property insurance coverage amount for a first mortgage secured by a one to four unit property is at least equal to the lesser of: XXX% of the replacement cost value of the improvements as of the current property insurance policy effective date, or the unpaid principal balance of the loan, provided it equals no less than XXX% of the replacement cost value of the improvements as of the current property insurance policy effective date. | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 2/10/2026 | C | A | C | A | C | A | C | A | C | A | C | A | |
| XXX | XXXXX | 305031472 | finding-4033 | 2/10/2026 | Compliance | ComplianceEase | Qualified Mortgage Safe Harbor Threshold | This loan does not qualify for a safe harbor level of compliance with the qualified mortgage rule. (12 CFR §XXX(b)(XXX), (e)(XXX) his loan does not qualify for a safe harbor. The loan has an APR of XXX%. The APR threshold to qualify for a safe harbor is XXX% creditor or assignee of a qualified mortgage, that is not a higher-priced covered transaction, complies with the repayment ability requirements of paragraph (c) of this section. A creditor or assignee of a qualified mortgage, that is a higher-priced covered transaction, is presumed to comply with the repayment ability requirements of paragraph (c) of this section igher-priced covered transaction means a covered transaction with an annual percentage rate that exceeds the average prime offer rate for a comparable transaction as of the date the XXX is set by XX/XX/XXXX or more percentage points for a first-lien covered transaction, or by XX/XX/XXXX or more percentage points for a subordinate-lien covered transaction. Documentation required to clear exception: Please provide Evidence of Appraisal delivery in a timely manner. Downgrade pending receipt. | Document Uploaded. investor exception approval | Exception for Rebuttable Presumption. The loan has APR of XXX%. The APR threshold to qualify fora a safe harbor is XXX%. APR is XXX% above APOR, making the transaction with Rebuttable Presumption. Exception Acknowledged. | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Acknowledged | Yes | B | B | B | B | B | B | B | B | B | B | B | B | |
| XXX | XXXXX | 305031472 | FCRE8201 | 2/10/2026 | Credit | Eligibility | Loan does not conform to program guidelines | The lender's guidelines reflect all loans must be designated Safe Harbor QM except interest only loans. The compliance report reflects the subject as Rebuttable Presumption (Higher-Priced Covered Transaction). | Document Uploaded. investor exception approval | Exception for Rebuttable Presumption. The loan has APR of XXX%. The APR threshold to qualify fora a safe harbor is XXX%. APR is XXX% above APOR, making the transaction with Rebuttable Presumption. Exception Acknowledged. | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Acknowledged | Yes | C | B | C | B | C | B | C | B | C | B | C | B | |
| XXX | XXXXX | 305031472 | FCRE7497 | 1/28/2026 | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | The loan application reflected property located at XXX XXX with a mortgage payment of XXX with XXX. The loan file contained an addendum to the subject property purchase reflecting purchasing subject, XXX The loan file is missing the payments associated with these properties. In addition, the credit report reflects timeshare with XXX Ownership #XXX. The application reflected dues in the amount of XXX per month. The loan file contained documentation for the timeshare; however, the documentation was missing proof the dues were XXX per month. | Document Uploaded. Timeshare account statement ; Document Uploaded. LE and LOE | Client provided LE dated XX/XX/XXXX for XXX reflecting a PITIA payment of XXX per month, LOE stating XXX is being purchased as a cash transaction and XXX statement reflecting XXX Annual due or XXX per month. Cleared. | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 1/28/2026 | D | A | D | A | D | A | D | A | D | A | D | A | |
| XXX | XXXXX | 305031472 | FCRE2371 | 1/24/2026 | Credit | Missing Doc | Missing final HUD-1 from sale of non-subject property | The loan application reflected property owned located at XXX XXX, XXX with status of sold. The loan file contained the Property Details Report, dated XX/XX/XXXX reflect ing the property was still owned by the borrower. | Settlement statement | ; CD, sale of XXX | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 1/24/2026 | D | A | D | A | D | A | D | A | D | A | D | A | |
| XXX | XXXXX | 305031472 | FPRO8998 | 1/19/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 1/19/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305031713 | FCRE1316 | 2/17/2026 | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower XXX 3rd Party VOE Prior to Close Missing Missing verification of existence of business for XXX dated within XXX calendar days of the note date, XX/XX/XXXX. XXX searches in file are missing dates. | Document Uploaded. | Borrower XXX 3rd Party VOE Prior to Close Was Provided; Client provided VVOE dated XX/XX/XXXX reflecting the Processor contacted XXX and spoke with the Office manager. LM Updated.; Borrower XXX 3rd Party VOE Prior to Close Missing | Borrower has stable job time - Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 2/17/2026 | D | A | D | A | D | A | D | A | D | A | D | A | |
| XXX | XXXXX | 305031713 | FPRO1242 | 2/4/2026 | Property | Missing Doc | Appraisal is Missing | Appraisal is Missing. Primary XXX appraisal is missing. | Document Uploaded. appraisal | Appraisal is Present or is Waived; Client provided Full Appraisal for the subject property. LM Updated.; Appraisal is Missing. Primary XXX appraisal is missing. | Borrower has stable job time - Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 2/4/2026 | D | A | D | A | D | A | D | A | D | A | D | A | |
| XXX | XXXXX | 305031713 | FCOM5135 | 1/28/2026 | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing | Investor acknowledges exception. | Borrower has stable job time - Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Acknowledged | No | B | B | B | B | B | B | B | B | B | B | B | B | ||
| XXX | XXXXX | 305031713 | FCRE8999 | 1/28/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | Borrower has stable job time - Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 1/28/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305042021 | FCRE9780 | 2/26/2026 | Credit | Missing Doc | Business Purpose Affidavit/Disclosure Missing | Business Purpose Affidavit/Disclosure Missing XXX is to purchase an investment property which would require a business purpose affidavit, however the document is missing from loan file. | Document Uploaded. BPA | Business Purpose Affidavit/Disclosure Provided; Client provided Business Purpose & Occupancy Affidavit. LM Updated. ; Business Purpose Affidavit/Disclosure Missing XXX is to purchase an investment property which would require a business purpose affidavit, however the document is missing from loan file. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 2/26/2026 | D | A | D | A | D | A | D | A | D | A | D | A | |
| XXX | XXXXX | 305042021 | FPRO1242 | 2/2/2026 | Property | Missing Doc | Appraisal is Missing | XX/XX/XXXX Family Rider is Missing. Underwriter Comment: identified that the XX/XX/XXXX Family Rider is missing from the loan file. This rider is a required addendum to the Security Instrument (Deed of Trust per monthrtgage) for properties classified as X | Document Uploaded. 2nd Appraisal | Appraisal is Present or is Waived; Client provided 2nd Appraisal for subject property. LM Updated. ; Appraisal is Missing. XXX is over $XXX and therefore XXX appraisals are required. However, the 2nd appraisal for $XXX (as per AUS and XXX), as well as the UCDP reports, are missing from loan file. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 2/2/2026 | D | A | D | A | D | A | D | A | D | A | D | A | |
| XXX | XXXXX | 305042021 | FCRE7496 | 2/2/2026 | Credit | Missing Doc | Missing Verification of Subject Property Taxes, Insurance, HOA or Other Payments | The Final XXX reflects the borrower is responsible for XXX in monthly HOA, however missing verification of HOA Dues | Document Uploaded. Credit Report, Updated XXX and XXX | Client provided Updated DU, XXX for both borrowers, XXX and Credit Reports. Documents reflect an HOA fee of $XXX. LM Updated. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 2/2/2026 | D | A | D | A | D | A | D | A | D | A | D | A | |
| XXX | XXXXX | 305042021 | FCOM8997 | 1/27/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 1/27/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305033578 | FCOM3849 | 2/2/2026 | Compliance | Disclosure | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). Providing evidence showing the borrowers received the appraisal at least XXX business days prior to consummation, XX/XX/XXXX, may cure the violation. | Document Uploaded. Evidence of appraisal delivery uploaded | Evidence of appraisal delivery provided. | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 2/2/2026 | B | A | B | A | B | A | B | A | B | A | B | A | |
| XXX | XXXXX | 305033578 | FCOM1621 | 2/2/2026 | Compliance | Missing Doc | Missing Initial Escrow Disclosure | Initial Escrow Account Disclosure is Missing Documentation Required- Initial Escrow Disclosure | Document Uploaded. IEADS uploaded | Initial Escrow Account Disclosure is Resolved | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 2/2/2026 | B | A | B | A | B | A | B | A | B | A | B | A | |
| XXX | XXXXX | 305033578 | FCOM1232 | 1/29/2026 | Credit | Missing Doc | The Final 1003 is Missing | The Final XXX is Missing The file is missing both borrower's final XXX along with the DU submitted XX/XX/XXXX. Additional conditions may apply based on documentation provided. | Document Uploaded. Final XXX and DU attached. | The Final XXX is Present; Client provided Final XXX for both borrowers and DU dated XX/XX/XXXX. LM Updated.; The Final XXX is Missing The file is missing both borrower's final XXX along with the DU submitted XX/XX/XXXX. Additional conditions may apply based on documentation provided. | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 1/29/2026 | D | A | D | A | D | A | D | A | D | A | D | A | |
| XXX | XXXXX | 305033578 | FCRE3860 | 1/29/2026 | Credit | Missing Doc | SCIF Document Missing | This loan is an Risk Assesment is: (DU) with an XXX of: (XX/XX/XXXX) which is after XXX XXX or this is an FHA loan with an XXX after XXX XXX and therefore a SCIF is required. However, the Supplemental Consumer Information Form is NOT Present. | Document Uploaded. attached scif | This Supplemental Consumer Information Form is Present.; Client provided SCIF. LM Updated. | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 1/29/2026 | D | A | D | A | D | A | D | A | D | A | D | A | |
| XXX | XXXXX | 305033578 | FPRO8998 | 1/26/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 1/26/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 304872516 | FCOM8997 | 1/26/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 1/26/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 304872516 | FPRO8998 | 1/26/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 1/26/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 304872516 | FCRE8999 | 1/26/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 1/26/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305036773 | FCRE1325 | 2/13/2026 | Credit | Missing Doc | Borrower 1 CPA Letter Missing | Borrower XXX CPA Letter Missing A required 3rd party employment verification is required as per lender non-QM bank statement deposits income program. There is a business narrative statement for the business that states is to be provided from a 3rd party verifier, however its is signed by the borrower, not a 3rd party. There are other business verification documents in file, however they have no current dates to show a recent verification. | Document Uploaded. Website with activity; Document Uploaded. Cash flow analysis | Borrower XXX CPA Letter Provided; Cash flow analysis and website activity provided. Website activity is dated. ; Borrower XXX CPA Letter Missing A required 3rd party employment verification is required as per lender non-QM bank statement deposits income program. There is a business narrative statement for the business that states is to be provided from a 3rd party verifier, however its is signed by the borrower, not a 3rd party. There are other business verification documents in file, however they have no current dates to show a recent verification. | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 2/13/2026 | D | A | D | A | D | A | D | A | D | A | D | A | |
| XXX | XXXXX | 305036773 | FCOM1266 | 2/13/2026 | Compliance | Missing Doc | Homeownership Counseling Disclosure Is Missing | Homeownership Counseling Disclosure Is Missing Showing evidence that borrowers received the HOC within XXX business days of application, XX/XX/XXXX, may cure the violation. | Document Uploaded. Homeowners Counseling disclosure | Homeownership Counseling Disclosure Is Present or Not Applicable | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 2/13/2026 | B | A | B | A | B | A | B | A | B | A | B | A | |
| XXX | XXXXX | 305036773 | FCOM5135 | 2/13/2026 | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing Showing evidence that borrowers received the ABD within XXX business days of application, XX/XX/XXXX, may cure the violation. | Document Uploaded. Uploaded Attestation re: no affiliates; Please provide further details on requirement or clear if not applicable - Per Lender: "This disclosure is not applicable, please clear" | Required Affiliated Business Disclosure Documentation Provided; The file doesnt contain documentation to confirm the lender has no affiliates. Provide an attestation indicating the lender has no affiliates or made no referral of business to its affiliates. | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 2/13/2026 | B | A | B | A | B | A | B | A | B | A | B | A | |
| XXX | XXXXX | 305036773 | FCOM3608 | 2/13/2026 | Compliance | Missing Doc | Intent to Proceed is Missing | The intent to proceed is missing. Documentation required to cure: The intent to proceed is missing. | Document Uploaded. Intent to proceed | Proof of Intent to Proceed has been provided. The intent to proceed is missing. | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 2/13/2026 | B | A | B | A | B | A | B | A | B | A | B | A | |
| XXX | XXXXX | 305036773 | FPRO8998 | 2/4/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 2/4/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305036773 | finding-3352 | 2/4/2026 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § XXX(a)(XXX) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. The loan is an HPML and meets escrow and appraisal requirements. | Please resolve and close out this exception | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 2/4/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305042986 | FCRE2009 | 2/6/2026 | Credit | Missing Doc | Rent Loss Insurance Missing | Missing rent loss insurance coverage XXX DSCR V11 Section XX/XX/XXXX Guidelines require XXX months rent loss coverage. The hazard insurance binders provided show no coverage. | Document Uploaded. Email from agent stating rent loss | Rent Loss Coverage Present; Client provided email from XXX with XXX stating: The policy has twelve months actual loss sustained available upon a covered peril. Specifically listed as Loss of Income and Extra Expense. LM Updated.; Missing rent loss insurance coverage XXX DSCR V11 Section XX/XX/XXXX Guidelines require XXX months rent loss coverage. The hazard insurance binders provided show no coverage. | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 2/6/2026 | D | A | D | A | D | A | D | A | D | A | D | A | |
| XXX | XXXXX | 305042986 | FCOM1221 | 2/6/2026 | Credit | Missing Doc | The Deed of Trust is Incomplete | The Deed of Trust is Incomplete Deed of trust copy must be a true and certified copy of the original recorded security instrument. | Document Uploaded. Recorded mortgage | The Deed of Trust is Present and Complete; Client provided Recorded Deed of Trust and Riders. LM Updated.; The Deed of Trust is Incomplete Deed of trust copy must be a true and certified copy of the original recorded security instrument. | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 2/6/2026 | D | A | D | A | D | A | D | A | D | A | D | A | |
| XXX | XXXXX | 305042986 | FCRE1325 | 2/4/2026 | Credit | Missing Doc | Borrower 1 CPA Letter Missing | Exception required for a CPA letter confirming no negative impact of withdrawal from the business account. | Document Uploaded. CPA letter confirming withdrawal of funds will not negatively impact business | Client provided CPA letter stating: The use of Business funds to purchase XXX XXX will not negatively impact the flow of the business. Cleared. | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 2/4/2026 | D | A | D | A | D | A | D | A | D | A | D | A | |
| XXX | XXXXX | 305042986 | FPRO3678 | 1/30/2026 | Property | Property Issue | Property Issue(s) are Present | One or more issues or defects with the property have been discovered. Per appraisal, the subject property is new construction zoned Rural. The subject is only on XXX acres, and there is an appraisal addendum that states the zoning (currently being re-assessed by county due to new construction) allows for residential use; highest and best use does not include agricultural activities. An Exception has been provided in file but is not approved. Comp factors are FICO score XXX substantial reserves, and experienced investor. | Document Uploaded. Investor approval | ; Exception for subject property in location Rural with Zoning A1 agricultural district. Exception acknowledged. ; One or more issues or defects with the property have been discovered. Per appraisal, the subject property is new construction zoned Rural. The subject is only on XXX acres, and there is an appraisal addendum that states the zoning (currently being re-assessed by county due to new construction) allows for residential use; highest and best use does not include agricultural activities. An Exception has been provided in file but is not approved. Comp factors are FICO score XXX substantial reserves, and experienced investor. | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Acknowledged | Yes | C | B | C | B | C | B | C | B | C | B | C | B | |
| XXX | XXXXX | 305042986 | FCOM8997 | 1/28/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 1/28/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305037848 | FCRE1193 | 2/3/2026 | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Audited DTI of XXX% exceeds Guideline DTI of XXX% Borrower was qualified under the XXX-month bank statement program with a XXX% expense factor. XXX guidelines has XXX expense factor options, a fixed XXX% or a 3rd party expense statement. The file contained a CPA letter but it did not indicate an expense factor. There was no other documentation found in the file to justify using the XXX% expense factor. Therefore, the XXX% factor must be used, resulting in income of XXX and a DTI of XXX%. | Document Uploaded. CPA letter | Audited DTI of XXX% is less than or equal to Guideline DTI of XXX%; Client provided CPA Letter reflecting XXX% and a XXX expense ratio of XXX% LM Updated. | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 2/3/2026 | C | A | C | A | C | A | C | A | C | A | C | A | |
| XXX | XXXXX | 305037848 | FCRE1495 | 2/3/2026 | Credit | QM-ATR | ATR: Current Employment Not Verified | ATR: Current Employment Not Verified Verification that the business is active and operating either no more than XXX business days prior to the Note Date, or after the Note Date but prior to XXX purchase is required with one of the following: o Evidence of current work (executed contracts or signed invoices) o Evidence of current business receipts o Business website demonstrating activity supporting current business operations | see recent payment report uploaded | ATR: Current Employment Was Verified; Client provided Vendor Payment Report for XXX payments received from XX/XX/XXXX - XX/XX/XXXX. LM Updated. | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 2/3/2026 | C | A | C | A | C | A | C | A | C | A | C | A | |
| XXX | XXXXX | 305037848 | FCRE1497 | 2/3/2026 | Credit | QM-ATR | ATR: Reasonable Income or Assets Not Considered | ATR: XXX Income or Assets Not Considered The CPA letter has been provided; the borrower has XXX% ownership. The borrower has qualified based on a XXX-month bank statement (a business bank statement was provided), and the lender guide mentioned a fixed expense ratio of XXX% regardless of the business type; however, the lender considered an expense ratio of XXX% which is also XXX% higher than the minimum expense factor allowed as per the lender guide | ATR: XXX Income or Assets Was Considered | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 2/3/2026 | C | A | C | A | C | A | C | A | C | A | C | A | ||
| XXX | XXXXX | 305037848 | FCRE1438 | 2/3/2026 | Credit | Eligibility | ATR Risk | ATR Risk Borrower was qualified under the XXX-month bank statement program with a XXX% expense factor. XXX guidelines has XXX expense factor options, a fixed XXX% or a 3rd party expense statement. The file contained a CPA letter but it did not indicate an expense factor. There was no other documentation found in the file to justify using the XXX% expense factor. Therefore, the XXX% factor must be used, resulting in income of XXX and a DTI of XXX%. | ATR Risk Resolved | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 2/3/2026 | C | A | C | A | C | A | C | A | C | A | C | A | ||
| XXX | XXXXX | 305037848 | FCRE1316 | 2/3/2026 | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower XXX 3rd Party VOE Prior to Close Missing Lender verified employment with a printout from the XXX Department of State. However, guidelines require borrower's business be verified with evidence of current work, evidence of current business receipts, or business website demonstrating activity. Any verification must be dated within XXX days of the Note date. The bank statements from XXX #XXX do reflect receipt of business income, but the most recent statement is not dated within XXX days of the Note and is not acceptable. | Document Uploaded. recent payment report | Client provided Vendor Payment Report for XXX payments received from XX/XX/XXXX - XX/XX/XXXX. LM Updated.; Borrower XXX 3rd Party VOE Prior to Close Was Provided | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 2/3/2026 | D | A | D | A | D | A | D | A | D | A | D | A | |
| XXX | XXXXX | 305037848 | finding-3352 | 1/17/2026 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § XXX(a)(XXX) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML with established escrows and appraisal requirements met. | Please resolve this exception and close it out. | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 1/17/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305037848 | FPRO8998 | 1/15/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 1/15/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305037849 | FCOM1221 | 2/4/2026 | Credit | Missing Doc | The Deed of Trust is Incomplete | The Deed of Trust is Incomplete Per DSCR XXX Program v11, the Mortgage Security Instrument must be a true and certified copy of the original recorded security instrument. The Mortgage in file is not certified. | Document Uploaded. DOT | The Deed of Trust is Present and Complete; Client provided the Recorded Deed of Trust. LM Updated.; The Deed of Trust is Incomplete Per DSCR XXX Program v11, the Mortgage Security Instrument must be a true and certified copy of the original recorded security instrument. The Mortgage in file is not certified. | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 2/4/2026 | D | A | D | A | D | A | D | A | D | A | D | A | |
| XXX | XXXXX | 305037849 | FCOM8997 | 2/2/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 2/2/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305037849 | FPRO8998 | 2/2/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 2/2/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305038552 | FCRE1201 | 2/5/2026 | Credit | Missing Doc | Third Party Fraud Report not Provided | Missing Third Party Fraud Report The full 3rd party Fraud Report has not been provided. LDP and OFAC searches in file. LDP reflects alert for the appraisal company. Full report required. | Document Uploaded. Fraud rpt | Third Party Fraud Report is provided; Client provided Full Third Party Fraud report that reflects Appraisal issue was cleared. LM Updated.; Missing Third Party Fraud Report The full 3rd party Fraud Report has not been provided. LDP and OFAC searches in file. LDP reflects alert for the appraisal company. Full report required. | Borrower has stable job time - Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 2/5/2026 | D | A | D | A | D | A | D | A | D | A | D | A | |
| XXX | XXXXX | 305038552 | FCOM5135 | 1/30/2026 | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing | Investor acknowledges exception. | Borrower has stable job time - Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Acknowledged | No | B | B | B | B | B | B | B | B | B | B | B | B | ||
| XXX | XXXXX | 305038552 | FPRO8998 | 1/30/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | Borrower has stable job time - Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 1/30/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305047504 | FCRE5116 | 2/20/2026 | Credit | Missing Doc | Missing VOM or VOR | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. Guidelines require a XXX month payment history for all mortgages. The XXX #XXX mortgage associated with REO at XXX has only XXX month payment history reporting on credit report and supplement. However, the mortgage was opened XX/XX/XXXX and subject loan closed XX/XX/XXXX. Verification of all mortgage payments made on the loan is required. | Lender's response: The mortgage was transferred from XXX XXX to XXX all paid as agreed.; Lender's response: The subject loan closed XX/XX/XXXX, not XX/XX/XXXX. | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing; Client states: Lender's response: The mortgage was transferred from XXX Mortgage XXX to XXX all paid as agreed. Verified XXX DLA XX/XX/XXXX and XXX Opened XX/XX/XXXX. LM Updated.; Final Credit report dated XX/XX/XXXX reflects XXX mortgage opened XX/XX/XXXX, reported XX/XX/XXXX and reflects XXX month reviewed. Date last active XX/XX/XXXX. XXX month payment history required for Primary residence. ; Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. Guidelines require a XXX month payment history for all mortgages. The XXX #XXX mortgage associated with REO at XXX has only XXX month payment history reporting on credit report and supplement. However, the mortgage was opened XX/XX/XXXX and subject loan closed XX/XX/XXXX. Verification of all mortgage payments made on the loan is required. | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 2/20/2026 | D | A | D | A | D | A | D | A | D | A | D | A | |
| XXX | XXXXX | 305047504 | FCRE2009 | 2/12/2026 | Credit | Missing Doc | Rent Loss Insurance Missing | Missing rent loss insurance coverage No evidence of rent loss coverage on H/O declaration page. | Document Uploaded. HOI | Rent Loss Coverage Present; Client provided Foremost Basics Declarations Page reflecting Loss of Rents coverage of XXX LM Updated.; Missing rent loss insurance coverage No evidence of rent loss coverage on H/O declaration page. | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 2/12/2026 | D | A | D | A | D | A | D | A | D | A | D | A | |
| XXX | XXXXX | 305047504 | FCOM1221 | 2/11/2026 | Credit | Missing Doc | The Deed of Trust is Incomplete | The Deed of Trust is Incomplete Mortgage is not stamped true & certified, as required per guidelines. | Document Uploaded. Stamped Mortgage | The Deed of Trust is Present and Complete; Client provided True and Certified copy of the Mortgage. LM Updated.; The Deed of Trust is Incomplete Mortgage is not stamped true & certified, as required per guidelines. | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 2/11/2026 | D | A | D | A | D | A | D | A | D | A | D | A | |
| XXX | XXXXX | 305047504 | FCOM8997 | 2/4/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 2/4/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305047504 | FPRO8998 | 2/4/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 2/4/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 304909727 | FCOM1229 | 2/6/2026 | Credit | Missing Doc | 1-4 Family Rider is Missing | XX/XX/XXXX Family Rider is Missing. Underwriter Comment: identified that the XX/XX/XXXX Family Rider is missing from the loan file. This rider is a required addendum to the Security Instrument (Deed of Trust per monthrtgage) for properties classified as XX/XX/XXXX family residential real estate and must be executed by the borrower(s) at closing. The executed XX/XX/XXXX Family Rider must be uploaded to the loan file to satisfy this material condition and ensure compliance with investor closing document requirements. | Assignment of rents reflected in section XXX of the mortgage. Condition cleared.; | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 2/6/2026 | D | A | D | A | D | A | D | A | D | A | D | A | ||
| XXX | XXXXX | 304909727 | FCOM1114 | 12/29/2025 | Compliance | Points & Fees | Late Charge Percent is greater than 6% | Late Charge Percent is greater than XXX% because XXX% exceeds typical late charge caps. The entries match the note exactly. | Please acknowledge this exception as non-material. Lenders guidelines do not limit late fee on DSCR transactions. | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/29/2025 | C | A | C | A | C | A | C | A | C | A | C | A | ||
| XXX | XXXXX | 304909727 | FCRE1254 | 12/24/2025 | Credit | Title | Property Title Issue | Property Title Issue Provide Final Title reflecting original lien in the amount of XXX is satisfied | Document Uploaded. Please see the recorded satisfaction for the lien. | Recevied satisfaction of lien. | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/24/2025 | C | A | C | A | C | A | C | A | C | A | C | A | |
| XXX | XXXXX | 304909727 | FVAL9739 | 12/24/2025 | Property | Appraisal | Property/Appraisal General | Property/Appraisal guideline violation: | Document Uploaded. In the comments section of the appraisal it states that the tenant is in the process of moving into the home. | ; Recieved XXX comments reflecting subject is brand new construction and the tenant is in the process of moving in.; Received XXX page reflecting the tenant is in the process of moving into the property as the subject is brand new construction. | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/24/2025 | C | A | C | A | C | A | C | A | C | A | C | A | |
| XXX | XXXXX | 304909727 | FCRE8999 | 12/19/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/19/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 304894650 | FPRO8998 | 12/5/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/5/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 304894650 | FCRE8999 | 12/5/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/5/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 304894650 | FCOM8997 | 12/5/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/5/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305047133 | FPRO9990 | 2/6/2026 | Property | Third Party Valuation | Third Party Valuation Product Not Provided within 10% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Third party valuation is required and is not in the file. | Document Uploaded. | Third party valuation product provided within tolerance.; Client provided additional Appraisal. LM Updated.; Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Third party valuation is required and is not in the file. | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 2/6/2026 | C | A | C | A | C | A | C | A | C | A | C | A | |
| XXX | XXXXX | 305047133 | FCRE5116 | 2/6/2026 | Credit | Missing Doc | Missing VOM or VOR | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. Guidelines require a XXX month payment history for the borrower's primary housing. All borrowers/guarantors must maintain a primary residence. File does not contain a Verification of Rent (VOR) for the borrower's primary residence: VOR completed by landlord, if property manage company, a VOR form is acceptable. If landlord is a private party then XXX months of documented rent payments will be required. | Document Uploaded. Lender's response: Attached LOE. Borrower has lived rent free for XXX years. With the experience I just uploaded, this is acceptable. | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing; Rent free LOX provided. ; Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. Guidelines require a XXX month payment history for the borrower's primary housing. All borrowers/guarantors must maintain a primary residence. File does not contain a Verification of Rent (VOR) for the borrower's primary residence: VOR completed by landlord, if property manage company, a VOR form is acceptable. If landlord is a private party then XXX months of documented rent payments will be required. | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 2/6/2026 | D | A | D | A | D | A | D | A | D | A | D | A | |
| XXX | XXXXX | 305047133 | FCRE3000 | 2/6/2026 | Credit | Eligibility | Borrower Rental Experience Not Within Guidelines | Borrower Rental Experience Not Within Guidelines Inexperienced Investor: Must currently own a primary residence for at least one year. Borrower owned subject property for XXX months. Per guidelines must be at least XXX months. | Document Uploaded. Attached additional experience. | Borrower Rental Experience Within Guidelines; additional documents provided confirming primary residence at XXX mos. ; Borrower Rental Experience Not Within Guidelines | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 2/6/2026 | C | A | C | A | C | A | C | A | C | A | C | A | |
| XXX | XXXXX | 305047133 | FVAL5524 | 2/6/2026 | Property | Property | Ineligible Property | The file contains leases for all units. Leases were effective as of XX/XX/XXXX (#XXX), XX/XX/XXXX (#XXX) and XX/XX/XXXX (#XXX). However, the appraisal is dated XX/XX/XXXX, after the effective date of all the leases, and shows all units are vacant at the time of the report. No explanation as to why all the units are still vacant after the lease effective dates. Per lender guidelines, vacant refinances are not allowed. | Document Uploaded. Attached revised version. The units are all occupied. | Updated appraisal provided reflecting all units occupied. | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 2/6/2026 | C | A | C | A | C | A | C | A | C | A | C | A | |
| XXX | XXXXX | 305047133 | FCOM8997 | 2/4/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 2/4/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 304908744 | FCOM8997 | 12/9/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only; Informational Only | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | XXX is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 12/9/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 304908744 | FCRE8999 | 12/9/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only; Informational Only | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | XXX is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 12/9/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 304908744 | FPRO8998 | 12/9/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only; Informational Only | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | XXX is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 12/9/2025 | A | A | A | A | A | A | A | A | A | A | A | A |