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 | 304789501 | XXXXX | 9/29/2025 | Property | Appraisal Documentation | Completion Report or 1004D - Missing | Appraisal is marked as "as is" but the pictures and comment reflect the living and dining room are getting the floor replaced. Please provide a 1004D or LOE confirming the completion of the flooring. | XX/XX/XXXX Waived via email XX/XX/XXXX Please see XXX b4-XXX-XXX. "XXX permits appraisals to be based on the “as is” condition of the property provided existing conditions are minor and do not affect the safety, soundness, or structural integrity of the property, and the appraiser’s opinion of value reflects the existence of these conditions.". The flooring does not impact safety, soundness, or structural integrity. XX/XX/XXXX CW: Appraisal was completed 'as-is', completion of the flooring would only add to the value. There is no apparent health or safety concerns with the property so a 1004D would not be required | XX/XX/XXXX Waived via email XX/XX/XXXX Per XXX b4-XXX-XXX, "Examples of minor conditions and deferred maintenance include worn floor finishes or carpet..." The repairs currently exceed the definition of minor conditions - appraisal in file reflects flooring entirely gone. Please provide evidence that flooring has been fully completed/repaired (with an inspection, letter of completion, 1004D, etc.). Guidelines require the property to be complete and in livable condition. XXX1003: Property must be complete and in livable condition per guidelines | FICO XXX LTV 61%, XXX months reserves | Acknowledged | 1/8/2026 | D | B | D | B | D | B | D | B | D | B | D | B | |
| XXX | XXXXX | 304858396 | XXXXX | 10/17/2025 | Property | Flood Insurance | Flood Insurance Missing or Defective | Provided flood insurance is a quote only. Please provide flood insurance policy | XX/XX/XXXX Please see attached policy XX/XX/XXXX MM: For both purchase and refinance transactions, the flood insurance premium has been paid at either closing or prior to closing. If the flood insurance premium has been paid prior to closing, an application for sufficient coverage must be submitted along with a paid receipt. Flood insurers do not offer insurance binders for coverage like hazard insurance providers. This means that binding coverage cannot be given for flood insurance until the flood insurance provider receives payment. XX/XX/XXXX The flood insurance policy does not go in effect until the loan closes. Please see attached policy that shows the waiting period is until the loan closes. | XX/XX/XXXX Flood Insurance Received XX/XX/XXXX Evidence of flood insurance is MISSING MORTGAGEe clause XX/XX/XXXX The loan has been closed and funded. Please provide final flood policy. | Cleared | 11/12/2025 | C | A | C | A | C | A | C | A | C | A | C | A | ||
| XXX | XXXXX | 304846906 | XXXXX | 10/28/2025 | Credit | Title or Lien | Title Insurance Missing or Defective | XXX Title insurance coverage < XXX minimum coverage required | XX/XX/XXXX Waived | XX/XX/XXXX Waived via overlay | DSCR XXX FICO XXX XX/XX/XXXX months reserves | Acknowledged | 10/28/2025 | B | B | B | B | B | B | B | B | B | B | B | B | |
| XXX | XXXXX | 304846906 | XXXXX | 10/28/2025 | Credit | Asset Documentation | Asset Documentation Missing or Defective | Missing two months consecutive bank Statements for XXX XXXX #XXX | XX/XX/XXXX Waived via email XX/XX/XXXX MM: Please see attached document that show the business was just formed in Aug XXX and the account was opened on Sept XXX No full two months can be provided since the business just opened. | XX/XX/XXXX Waived via email XX/XX/XXXX Please provide the source of deposits into the account to satisfy the seasoning requirement; XXX deposits of XXX each | DSCR XXX FICO XXX XX/XX/XXXX months reserves | Acknowledged | 1/22/2026 | C | B | C | B | C | B | C | B | C | B | C | B | |
| XXX | XXXXX | 304898300 | XXXXX | 11/18/2025 | Credit | Asset Documentation | Asset Documentation Missing or Defective | Missing Asset Documents. XXX months reserves < XXX months minimum reserves required | XX/XX/XXXX Attached | XX/XX/XXXX Assets received | Cleared | 11/21/2025 | D | A | D | A | D | A | D | A | D | A | D | A | ||
| XXX | XXXXX | 304898063 | XXXXX | 11/26/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX Clear | XX/XX/XXXX Clear | Cleared | 11/26/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 304889844 | XXXXX | 12/10/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX Clear | XX/XX/XXXX Clear | Cleared | 12/10/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 304904527 | XXXXX | 12/4/2025 | Property | Debt Service Coverage Ratio Documentation | Subject Property Lease - Missing or Defective | Subject Property is vacant at the time of closing for a refinance transaction. Borrower must provide evidence that the property has been leased. All properties owned greater than XXX months must be occupied and leased per guidelines. | XX/XX/XXXX Please see attached SOW from the borrower, and an appraisal that confirms property was upgraded since purchase in XX/XX/XXXX with items matching the SOW. Therefore, we considered Nov XXX as the start of the XXX-month clock to have the unit rented. Attached is the SOW and the Rental Property Listing. Please clear. | XX/XX/XXXX Received | Cleared | 12/31/2025 | D | A | D | A | D | A | D | A | D | A | D | A | ||
| XXX | XXXXX | 304898977 | XXXXX | 12/10/2025 | Credit | Debt Service Coverage Ratio Eligibility | DSCR Minimum Not Met | Audit DSCR of XXX does not align with client DSCR of XXX. monthly breakdown: XXX income / XXX P&I + XXX Insurance + XXX Taxes: Using Market Rents, Please opine. | XX/XX/XXXX As noted on underwriter narrative - Product is expanded - start date on leases is XX/XX/XXXX - and property is owned less than XXX months. Underwriter used guideline which allows us of lessor of actual rent or XXX% of market rent to forgo proof of security deposit and first months rent. Copies of leases used in lie of rental listings. Loan qualifies using this method. This accounts for the DSCR discrepancy on the tape. | XX/XX/XXXX Confirmed DSCR XX/XX/XXXX | Cleared | 1/21/2026 | C | A | C | A | C | A | C | A | C | A | C | A | ||
| XXX | XXXXX | 304897053 | XXXXX | 12/8/2025 | Credit | Title or Lien | Title Insurance Missing or Defective | Provide updated title policy reflecting XXX as proposed insured for Item XXX(a) | XX/XX/XXXX Final Title attached | XX/XX/XXXX Received | Cleared | 12/10/2025 | C | A | C | A | C | A | C | A | C | A | C | A | ||
| XXX | XXXXX | 304899077 | XXXXX | 12/10/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX Clear | XX/XX/XXXX Clear | Cleared | 12/10/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 304905117 | XXXXX | 12/15/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX Clear | XX/XX/XXXX Clear | Cleared | 12/15/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 304892072 | XXXXX | 12/15/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX Clear | XX/XX/XXXX Clear | Cleared | 12/15/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 304327672 | XXXXX | 5/31/2024 | Credit | Closing Documentation | Deed Missing or Defective | Missing Executed Conveyance Deed from XXX to XXX | XX/XX/XXXX Waived per XXX | XX/XX/XXXX Waived per XXX | FICO XXX DSCR XXX months reserves | Acknowledged | 5/31/2024 | B | B | B | B | B | B | B | B | B | B | B | B | |
| XXX | XXXXX | 304351713 | XXXXX | 6/28/2024 | Credit | Title/Lien | Title Insurance Coverage - Inadequate Coverage | XXX title insurance coverage < XXX minimum required. | XX/XX/XXXX Waived per XXX | XX/XX/XXXX Waived per XXX | LTV XXX FICO XXX DSCR XX/XX/XXXX | Acknowledged | 6/28/2024 | B | B | B | B | B | B | B | B | B | B | B | B | |
| XXX | XXXXX | 304327672 | XXXXX | 5/31/2024 | Credit | Borrower and Mortgage Eligibility | Debt Service Coverage Ratio Documentation | Missing XXX lease agreements for subject property located at: XXX | XX/XX/XXXX AMB: Please note that the comparable rent schedule States that there are no leases for the subject property. Additionally, the monthly rent amount on the XXX is more conservative than the amounts listed on the purchase agreement, meaning that XXX followed the most conservative calculation for the DSCR by calculating as unleased. The XXX is also dated more recently than the purchase agreement, and the lender would need to follow the most recent documentation. XX/XX/XXXX AMB: Please note that the subject property is unleased, and the DSCR was calculated with the Comparable Rent Schedule. | XX/XX/XXXX Received confirmation property is vacant. XX/XX/XXXX Addendum to purchase contract States both units are tenant occupied and leases are transferring over. | Cleared | 6/6/2024 | D | A | D | A | D | A | D | A | D | A | D | A | ||
| XXX | XXXXX | 304459204 | XXXXX | 12/3/2024 | Property | Appraisal Documentation | Exterior Inspection Missing or Defective | Property is located in an impacted disaster area (hurricane helene). Please provide exterior inspection following post disaster guideline requirements. | XX/XX/XXXX PDI | XX/XX/XXXX Received | Cleared | 12/5/2024 | D | A | D | A | D | A | D | A | D | A | D | A | ||
| XXX | XXXXX | 304459356 | XXXXX | 12/5/2024 | Credit | Application/Processing | Loan Application Missing or Defective | Missing 1003 Loan Application (URLA - Final) | XX/XX/XXXX Waived via email | XX/XX/XXXX Waived via email | DSCR XXX FICO XXX months reserves | Acknowledged | 12/10/2024 | D | B | D | B | D | B | D | B | D | B | D | B | |
| XXX | XXXXX | 304459356 | XXXXX | 12/5/2024 | Property | Appraisal Documentation | Exterior Inspection Missing or Defective | Property is located in an impacted disaster area (hurricane helene). Please provide exterior inspection following post disaster guideline requirements. | XX/XX/XXXX XXX did not received a declaration per the attached map | XX/XX/XXXX Received | Cleared | 12/9/2024 | D | A | D | A | D | A | D | A | D | A | D | A | ||
| XXX | XXXXX | 304636586 | XXXXX | 2/19/2025 | Credit | Title/Lien | Title Insurance Coverage - Inadequate Coverage | XXX title insurance coverage < XXX minimum coverage required | XX/XX/XXXX Title Policy | XX/XX/XXXX Received title insurance policy | Cleared | 3/3/2025 | C | A | C | A | C | A | C | A | C | A | C | A | ||
| XXX | XXXXX | 304641307 | XXXXX | 2/24/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX Clear | XX/XX/XXXX Clear | Cleared | 2/24/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 304497466 | XXXXX | 3/6/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX Clear | XX/XX/XXXX Clear | Cleared | 3/6/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 304493902 | XXXXX | 3/7/2025 | Credit | Title or Lien | Title Insurance Coverage - Inadequate Coverage | XXX title insurance coverage < XXX minimum coverage required | XX/XX/XXXX RF please see attached please clear thank you | XX/XX/XXXX Received | Cleared | 3/12/2025 | C | A | C | A | C | A | C | A | C | A | C | A | ||
| XXX | XXXXX | 304692679 | XXXXX | 6/4/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX Clear | XX/XX/XXXX Clear | Cleared | 6/4/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 304684693 | XXXXX | 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 | 304730274 | XXXXX | 6/30/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX Clear | XX/XX/XXXX Clear | Cleared | 6/30/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 304481435 | XXXXX | 2/20/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX Clear | XX/XX/XXXX Clear | Cleared | 2/20/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 304685763 | XXXXX | 4/9/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX Clear | XX/XX/XXXX Clear | Cleared | 4/9/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 304734129 | XXXXX | 8/6/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX Clear | XX/XX/XXXX Clear | Cleared | 8/6/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 304728743 | XXXXX | 8/12/2025 | Credit | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX Clear | XX/XX/XXXX Clear | Cleared | 8/12/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 304756734 | XXXXX | 8/20/2025 | Credit | Closing Documentation | Note Missing or Defective | Audit XXX of XXX months does not align with client tape XXX of XXX months. Final CD and mortgage in file reflect XXX months PPP. | XX/XX/XXXX Clear | XX/XX/XXXX Received | Cleared | 9/3/2025 | C | A | C | A | C | A | C | A | C | A | C | A | ||
| XXX | XXXXX | 304685820 | XXXXX | 8/20/2025 | Credit | Closing Documentation | Note Missing or Defective | Audit XXX of XXX months does not align with client tape XXX of XXX months. Final CD and mortgage in file reflect XXX months PPP. | XX/XX/XXXX The security instrument has a XXX month PPP rider attached. | XX/XX/XXXX Received | Cleared | 9/3/2025 | C | A | C | A | C | A | C | A | C | A | C | A | ||
| XXX | XXXXX | 304757465 | XXXXX | 8/21/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX Clear | XX/XX/XXXX Clear | Cleared | 8/21/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 304814705 | XXXXX | 8/29/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX Clear | XX/XX/XXXX Clear | Cleared | 8/29/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 304768199 | XXXXX | 9/2/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX Clear | XX/XX/XXXX Clear | Cleared | 9/2/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 304745118 | XXXXX | 9/2/2025 | Credit | Title or Lien | Title Insurance Coverage - Inadequate Coverage | XXX title insurance coverage < XXX minimum coverage required | XX/XX/XXXX Waived via overlay | XX/XX/XXXX Waived via overlay | FICO XXX DSCR XXX LTV 75% | Acknowledged | 9/2/2025 | B | B | B | B | B | B | B | B | B | B | B | B | |
| XXX | XXXXX | 304736162 | XXXXX | 9/5/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX Clear | XX/XX/XXXX Clear | Cleared | 9/5/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 304823358 | XXXXX | 9/10/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX Clear | XX/XX/XXXX Clear | Cleared | 9/10/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 304813206 | XXXXX | 9/16/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX Clear | XX/XX/XXXX Clear | Cleared | 9/16/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 304832996 | XXXXX | 9/17/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX Clear | XX/XX/XXXX Clear | Cleared | 9/17/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 304748770 | XXXXX | 9/22/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX Clear | XX/XX/XXXX Clear | Cleared | 9/22/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 304820208 | XXXXX | 9/25/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX Clear | XX/XX/XXXX Clear | Cleared | 9/25/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 304840199 | XXXXX | 9/26/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX Clear | XX/XX/XXXX Clear | Cleared | 9/26/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 304822828 | XXXXX | 9/26/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX Clear | XX/XX/XXXX Clear | Cleared | 9/26/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 304823120 | XXXXX | 9/30/2025 | Property | Project Eligibility | Ineligible Property – Zoning Non-compliance | Subject property is zoned as commercial, which is ineligible per XXX purchase criteria | XX/XX/XXXX Waived via email XX/XX/XXXX - KJ: XXX recognizes that the subject has commercial zoning. However, there is no indication of any commercial or mixed use activity taking place on the subject property per the appraisal. The appraiser has also Stated that the property generally conforms to the neighborhood, and is subject to HOA dues which is not typical for a commercial property. | XX/XX/XXXX Waived via email XX/XX/XXXX Please escalate to XXX for approval | FICO XXX LTV 53%, XXX months reserves | Acknowledged | 10/16/2025 | C | B | C | B | C | B | C | B | C | B | C | B | |
| XXX | XXXXX | 304840429 | XXXXX | 10/2/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX Clear | XX/XX/XXXX Clear | Cleared | 10/2/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 304823318 | XXXXX | 10/3/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX Clear | XXX1003: Clear | Cleared | 10/3/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 304847862 | XXXXX | 10/3/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX Clear | XXX1003: Clear | Cleared | 10/3/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 304843762 | XXXXX | 10/6/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX Clear | XX/XX/XXXX Clear | Cleared | 10/6/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 304842902 | XXXXX | 10/7/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX Clear | XX/XX/XXXX Clear | Cleared | 10/7/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 304847829 | XXXXX | 10/9/2025 | Property | Ineligible Property | Ineligible Property – Zoning Non-compliance | Subject property is zoned as commercial, which is ineligible per XXX purchase criteria | XX/XX/XXXX Waived via email | XX/XX/XXXX Waived via email | FICO XXX LTV 75%, DSCR XX/XX/XXXX | Acknowledged | 10/16/2025 | C | B | C | B | C | B | C | B | C | B | C | B | |
| XXX | XXXXX | 304832988 | XXXXX | 10/9/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX Clear | XX/XX/XXXX Clear | Cleared | 10/9/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 304848110 | XXXXX | 10/9/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX Clear | XX/XX/XXXX Clear | Cleared | 10/9/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 304858952 | XXXXX | 10/27/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX Clear | XX/XX/XXXX Clear | Cleared | 10/27/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 304847776 | XXXXX | 10/28/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX Clear | XX/XX/XXXX Clear | Cleared | 10/28/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 304871451 | XXXXX | 10/28/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX Clear | XX/XX/XXXX Clear | Cleared | 10/28/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 304860685 | XXXXX | 10/28/2025 | Credit | Title or Lien | Title Insurance Coverage - Inadequate Coverage | XXX Title insurance coverage < XXX Minimum coverage required | XX/XX/XXXX Waived | XX/XX/XXXX Waived via overlay | DSCR XXX FICO XXX months reserves | Acknowledged | 10/28/2025 | B | B | B | B | B | B | B | B | B | B | B | B | |
| XXX | XXXXX | 304842883 | XXXXX | 10/29/2025 | Credit | Title or Lien | Title Insurance Coverage - Inadequate Coverage | XXX title insurance coverage < XXX minimum coverage required | XX/XX/XXXX Waived | XX/XX/XXXX Waived via overlay | DSCR XXX FICO XXX months reserves | Acknowledged | 10/29/2025 | B | B | B | B | B | B | B | B | B | B | B | B | |
| XXX | XXXXX | 304867877 | XXXXX | 10/29/2025 | Credit | Title/Lien | Title Insurance Coverage - Inadequate Coverage | XXX Title insurance coverage < XXX minimum coverage required | XX/XX/XXXX Waived | XX/XX/XXXX Waived via overlay | Months Reserves XXX FICO XXX LTV 54.93% | Acknowledged | 10/29/2025 | B | B | B | B | B | B | B | B | B | B | B | B | |
| XXX | XXXXX | 304842886 | XXXXX | 10/29/2025 | Credit | Asset Documentation | Asset Documentation Missing or Defective | Missing asset documentation. Unable to calculate reserves. | XX/XX/XXXX MM: Please see attached bank Statements | XX/XX/XXXX Received, reserves sufficient | Cleared | 11/4/2025 | D | A | D | A | D | A | D | A | D | A | D | A | ||
| XXX | XXXXX | 304870080 | XXXXX | 10/31/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX Clear | XX/XX/XXXX Clear | Cleared | 10/31/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 304862129 | XXXXX | 10/31/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX Clear | XX/XX/XXXX Clear | Cleared | 10/31/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 304855030 | XXXXX | 11/3/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX Clear | XX/XX/XXXX Clear | Cleared | 11/3/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 304843768 | XXXXX | 11/3/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX Clear | XX/XX/XXXX Clear | Cleared | 11/3/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 304855028 | XXXXX | 11/4/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX Clear | XX/XX/XXXX Clear | Cleared | 11/4/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 304875158 | XXXXX | 11/4/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX Clear | XX/XX/XXXX Clear | Cleared | 11/4/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 304865126 | XXXXX | 11/4/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX Clear | XX/XX/XXXX Clear | Cleared | 11/4/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 304868244 | XXXXX | 11/5/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX Clear | XX/XX/XXXX Clear | Cleared | 11/5/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 304842882 | XXXXX | 10/29/2025 | Credit | Title/Lien | Title Insurance Coverage - Inadequate Coverage | XXX title insurance coverage < XXX minimum coverage required | XX/XX/XXXX Waived | XX/XX/XXXX Waived via overlay | DSCR XXX FICO XXX LTV 64.36% | Acknowledged | 10/29/2025 | B | B | B | B | B | B | B | B | B | B | B | B | |
| XXX | XXXXX | 304842882 | XXXXX | 10/29/2025 | Credit | Title or Lien | Title Insurance Missing or Defective | Title Short Form in file is missing lender's name. Please provide updated title with lender's name & ISAOA/ATIMA verbiage | XX/XX/XXXX pleasee see attached doc JK XX/XX/XXXX | XX/XX/XXXX Received | Cleared | 11/18/2025 | C | A | C | A | C | A | C | A | C | A | C | A | ||
| XXX | XXXXX | 304855029 | XXXXX | 10/30/2025 | Property | Property Data Collection or Data Integrity | Appraisal Missing or Defective | There has been an exclusionary hit on the appraiser: XXX | XX/XX/XXXX Waived via email | XX/XX/XXXX Waived via email | FICO XXX DSCR XXX months reserves | Acknowledged | 11/6/2025 | C | B | C | B | C | B | C | B | C | B | C | B | |
| XXX | XXXXX | 304844575 | XXXXX | 11/4/2025 | Credit | Title or Lien | Title Insurance Coverage - Inadequate Coverage | XXX Title insurance coverage < XXX minimum coverage required | XX/XX/XXXX Title Policy | XX/XX/XXXX Received | Cleared | 11/6/2025 | C | A | C | A | C | A | C | A | C | A | C | A | ||
| XXX | XXXXX | 304847525 | XXXXX | 11/4/2025 | Credit | Borrower Requirements Not Met | Entity Documentation - Missing or Defective | Entity documentation in file reflects subject property as principal office address for borrowing entity. | XX/XX/XXXX - KJ: Please advise as to what documentation is being requested. The agreed upon guidelines between XXX and XXX as well as XXX Purchase criteria do not State that the subject property address must differ from the LLC's principal office address. | XX/XX/XXXX Occupancy concern, borrower's photo ID and LLC documents reflect the subject property as primary residence. However, subject is currently rented to a tenant with rent receipts. Finding clear and informational only | Cleared | 11/10/2025 | C | A | C | A | C | A | C | A | C | A | C | A | ||
| XXX | XXXXX | 304893824 | XXXXX | 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 | XX/XX/XXXX 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 | 304862119 | XXXXX | 11/7/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX Clear | XX/XX/XXXX Clear | Cleared | 11/7/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 304875160 | XXXXX | 11/10/2025 | Credit | Title or Lien | Title Insurance Missing or Defective | Provided title insurance is a preliminary policy with no coverage amount or mortgagee clause. Please provide a title supplement with ISAOA and coverage amount to meet guideline requirements. | XX/XX/XXXX Waived via overlay | XX/XX/XXXX Waived via overlay | DSCR XXX FICO XXX LTV 25.57% | Acknowledged | 11/10/2025 | B | B | B | B | B | B | B | B | B | B | B | B | |
| XXX | XXXXX | 304865204 | XXXXX | 11/10/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX Clear | XX/XX/XXXX Clear | Cleared | 11/10/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 304869246 | XXXXX | 11/10/2025 | Credit | Title/Lien | Title Insurance Coverage - Inadequate Coverage | XXX Title insurance coverage < XXX minimum coverage required | XX/XX/XXXX Waived via overlay | XX/XX/XXXX Waived via overlay | months reserves XXX FICO XXX LTV 53.09% | Acknowledged | 11/10/2025 | B | B | B | B | B | B | B | B | B | B | B | B | |
| XXX | XXXXX | 304869246 | XXXXX | 11/10/2025 | Credit | Debt Service Coverage Ratio Documentation | DSCR Minimum Not Met | Audit DSCR of XXX does not align with client DSCR of XXX. monthly breakdown: XXX income / XXX P&I + XXX Taxes + $XXX Insurance + XXX HOA Please opine. | XX/XX/XXXX tm: The underwriter used the most conservative income calculation by using total USD XXX minus taxes XXX and resolutions (XXX). XXX/XXX = XXX. The HOA fee should also be XXX due to special assessments. | XX/XX/XXXX Confirmed DSCR XX/XX/XXXX | Cleared | 11/18/2025 | C | A | C | A | C | A | C | A | C | A | C | A | ||
| XXX | XXXXX | 304860674 | XXXXX | 11/10/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX Clear | XX/XX/XXXX Clear | Cleared | 11/10/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 304860676 | XXXXX | 11/11/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX Clear | XX/XX/XXXX Clear | Cleared | 11/11/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 304865196 | XXXXX | 11/13/2025 | Property | Hazard Insurance | Hazard Insurance Missing or Defective | Hazard insurance policy in file is missing the mortgagee clause and lender's name. Please provide updated hazard policy with the lender's name and ISAOA/ATIMA verbiage | XX/XX/XXXX MM: Please see attached document | XX/XX/XXXX Received | Cleared | 12/2/2025 | C | A | C | A | C | A | C | A | C | A | C | A | ||
| XXX | XXXXX | 304865053 | XXXXX | 11/13/2025 | Property | Ineligible Property | Ineligible Property – Zoning Non-compliance | Subject property is zoned agricultural which is ineligible per XXX purchase criteria | XX/XX/XXXX waived via email | XX/XX/XXXX Waived via email | DSCR XXX months reserves, XXX | Acknowledged | 11/19/2025 | C | B | C | B | C | B | C | B | C | B | C | B | |
| XXX | XXXXX | 304868289 | XXXXX | 11/17/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX Clear | XX/XX/XXXX Clear | Cleared | 11/17/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 304873553 | XXXXX | 11/17/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX Clear | XX/XX/XXXX Clear | Cleared | 11/17/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 304874824 | XXXXX | 11/18/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX Clear | XX/XX/XXXX Clear | Cleared | 11/18/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 304844572 | XXXXX | 11/20/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX Clear | XX/XX/XXXX Clear | Cleared | 11/20/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 304897021 | XXXXX | 11/21/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX Clear | XX/XX/XXXX Clear | Cleared | 11/21/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 304873914 | XXXXX | 11/21/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX Clear | XX/XX/XXXX Clear | Cleared | 11/21/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 304898891 | XXXXX | 12/2/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX Clear | XX/XX/XXXX Clear | Cleared | 12/2/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 304876023 | XXXXX | 12/2/2025 | Credit | Credit Documentation | Asset Documentation Missing or Defective | Missing two months consecutive bank Statements for XXX account #XXX | XX/XX/XXXX MM: Please see attached LOX that States the XXX account ending i XXX just opened. XXX months bank Statements cannot be provided | XX/XX/XXXX Confirmed assets in this account were deposited from other accounts owned by the borrower. Source and seasoning meets requirements | Cleared | 12/4/2025 | D | A | D | A | D | A | D | A | D | A | D | A | ||
| XXX | XXXXX | 304749880 | XXXXX | 8/8/2025 | Credit | Closing Documentation | Closing Documentation Missing or Defective | Missing executed HUD/Settlement Statement | XX/XX/XXXX uploaded | XX/XX/XXXX Received | Cleared | 8/21/2025 | D | A | D | A | D | A | D | A | D | A | D | A | ||
| XXX | XXXXX | 304749880 | XXXXX | 8/8/2025 | Credit | Borrower Requirements Not Met | Background Report Aged | Background check for guarantor expired, guidelines require background check within XXX days of loan origination; background dated XX/XX/XXXX | XX/XX/XXXX uploaded | XX/XX/XXXX Received | Cleared | 8/21/2025 | C | A | C | A | C | A | C | A | C | A | C | A | ||
| XXX | XXXXX | 305053649 | XXXXX | 9/23/2025 | Credit | Borrower Requirements Not Met | Entity Documentation - Missing or Defective | Missing operating agreement forXXX to prove ownership of borrowing entity and XXX% of entity guarenteeing the loan. | XX/XX/XXXX This sponsor utilizes layered entities, with various passive investors. We do not require documentation beyond our borrowing entity (the single asset LLC). Our loan is guaranteed by the active participant in the transaction. We have originated, cleared diligence and sold many of these loans to date all with this structure. The borrowers typically set up single property LLCs, with the same layered entities behind them. Please waive. | XX/XX/XXXX Waived | FICO XXX Repeat client, no DQs | Acknowledged | 9/23/2025 | C | B | C | B | C | B | C | B | C | B | C | B | |
| XXX | XXXXX | 305053650 | XXXXX | 9/23/2025 | Credit | Borrower Requirements Not Met | Entity Documentation - Missing or Defective | Missing operating agreement forXXX to prove ownership of borrowing entity and XXX% of entity guarenteeing the loan. | XX/XX/XXXX This sponsor utilizes layered entities, with various passive investors. We do not require documentation beyond our borrowing entity (the single asset LLC). Our loan is guaranteed by the active participant in the transaction. We have originated, cleared diligence and sold many of these loans to date all with this structure. The borrowers typically set up single property LLCs, with the same layered entities behind them. Please waive. | XX/XX/XXXX Waived | FICO XXX Repeat client, no DQs | Acknowledged | 9/23/2025 | C | B | C | B | C | B | C | B | C | B | C | B | |
| XXX | XXXXX | 305053648 | XXXXX | 10/1/2025 | Credit | Title/Lien | Payoff Statement Missing or Defective | Missing payoff letter for mortgage on subject property. | XX/XX/XXXX Clear | XX/XX/XXXX Clear | Cleared | 11/14/2025 | D | A | D | A | D | A | D | A | D | A | D | A | ||
| XXX | XXXXX | 305053648 | XXXXX | 10/1/2025 | Credit | Borrower Requirements Not Met | Entity Documentation - Missing or Defective | Missing operating agreement forXXX (layered entity) to prove ownership of borrowing entity and XXX% of entity guaranteeing the loan. | XX/XX/XXXX This sponsor utilizes layered entities, with various passive investors. We do not require documentation beyond our borrowing entity (the single asset LLC). Our loan is guaranteed by the active participant in the transaction. We have originated, cleared diligence and sold many of these loans to date all with this structure. The borrowers typically set up single property LLCs, with the same layered entities behind them. Please waive. | XX/XX/XXXX Waived | FICO XXX Repeat client, no DQs | Acknowledged | 10/1/2025 | C | B | C | B | C | B | C | B | C | B | C | B | |
| XXX | XXXXX | 305053647 | XXXXX | 10/1/2025 | Credit | Borrower Requirements Not Met | Entity Documentation - Missing or Defective | Missing operating agreement forXXX (layered entity) to prove ownership of borrowing entity and XXX% of entity guaranteeing the loan. | XX/XX/XXXX This sponsor utilizes layered entities, with various passive investors. We do not require documentation beyond our borrowing entity (the single asset LLC). Our loan is guaranteed by the active participant in the transaction. We have originated, cleared diligence and sold many of these loans to date all with this structure. The borrowers typically set up single property LLCs, with the same layered entities behind them. Please waive. | XX/XX/XXXX Waived | FICO XXX Repeat client, no DQs | Acknowledged | 10/1/2025 | C | B | C | B | C | B | C | B | C | B | C | B | |
| XXX | XXXXX | 305053646 | XXXXX | 10/1/2025 | Credit | Borrower Requirements Not Met | Entity Documentation - Missing or Defective | Missing operating agreement forXXX (layered entity) to prove ownership of borrowing entity and XXX% of entity guaranteeing the loan. | XX/XX/XXXX This sponsor utilizes layered entities, with various passive investors. We do not require documentation beyond our borrowing entity (the single asset LLC). Our loan is guaranteed by the active participant in the transaction. We have originated, cleared diligence and sold many of these loans to date all with this structure. The borrowers typically set up single property LLCs, with the same layered entities behind them. Please waive. | XX/XX/XXXX Waived | FICO XXX Repeat client, no DQs | Acknowledged | 10/1/2025 | C | B | C | B | C | B | C | B | C | B | C | B | |
| XXX | XXXXX | 305053640 | XXXXX | 10/14/2025 | Credit | Borrower Requirements Not Met | Entity Documentation - Missing or Defective | Missing operating agreement forXXX (layered entity) to prove ownership of borrowing entity and XXX% of entity guaranteeing the loan. | XX/XX/XXXX This sponsor utilizes layered entities, with various passive investors. We do not require documentation beyond our borrowing entity (the single asset LLC). Our loan is guaranteed by the active participant in the transaction. We have originated, cleared diligence and sold many of these loans to date all with this structure. The borrowers typically set up single property LLCs, with the same layered entities behind them. Please waive. | XX/XX/XXXX Waived | FICO XXX Repeat client, no DQs | Acknowledged | 10/14/2025 | C | B | C | B | C | B | C | B | C | B | C | B | |
| XXX | XXXXX | 305053641 | XXXXX | 10/21/2025 | Credit | Borrower Requirements Not Met | Entity Documentation - Missing or Defective | Missing operating agreement forXXX (layered entity) to prove ownership of borrowing entity and XXX% of entity guaranteeing the loan. | XX/XX/XXXX This sponsor utilizes layered entities, with various passive investors. We do not require documentation beyond our borrowing entity (the single asset LLC). Our loan is guaranteed by the active participant in the transaction. We have originated, cleared diligence and sold many of these loans to date all with this structure. The borrowers typically set up single property LLCs, with the same layered entities behind them. Please waive. | XX/XX/XXXX Waived | FICO XXX Repeat client, no DQs | Acknowledged | 10/21/2025 | B | B | B | B | B | B | B | B | B | B | B | B | |
| XXX | XXXXX | 305053641 | XXXXX | 10/21/2025 | Credit | Borrower Requirements Not Met | Background Report Aged | Background report for Guarantor; XXX aged XXX days from origination, XX/XX/XXXX | XX/XX/XXXX Uploaded | XX/XX/XXXX Clear | Cleared | 11/3/2025 | C | A | C | A | C | A | C | A | C | A | C | A | ||
| XXX | XXXXX | 305053644 | XXXXX | 10/21/2025 | Credit | Borrower Requirements Not Met | Entity Documentation - Missing or Defective | Missing operating agreement forXXX (layered entity) to prove ownership of borrowing entity and XXX% of entity guaranteeing the loan. | XX/XX/XXXX This sponsor utilizes layered entities, with various passive investors. We do not require documentation beyond our borrowing entity (the single asset LLC). Our loan is guaranteed by the active participant in the transaction. We have originated, cleared diligence and sold many of these loans to date all with this structure. The borrowers typically set up single property LLCs, with the same layered entities behind them. Please waive. | XX/XX/XXXX Waived | FICO XXX Repeat client, no DQs | Acknowledged | 10/21/2025 | B | B | B | B | B | B | B | B | B | B | B | B | |
| XXX | XXXXX | 305053644 | XXXXX | 10/21/2025 | Credit | Borrower Requirements Not Met | Background Report Aged | Background report for Guarantor; XXX aged XXX days from origination, XX/XX/XXXX | XX/XX/XXXX Uploaded | XX/XX/XXXX Clear | Cleared | 11/3/2025 | C | A | C | A | C | A | C | A | C | A | C | A | ||
| XXX | XXXXX | 305053642 | XXXXX | 10/24/2025 | Credit | Borrower Requirements Not Met | Entity Documentation - Missing or Defective | Missing operating agreement forXXX (layered entity) to prove ownership of borrowing entity and XXX% of entity guaranteeing the loan. | XX/XX/XXXX This sponsor utilizes layered entities, with various passive investors. We do not require documentation beyond our borrowing entity (the single asset LLC). Our loan is guaranteed by the active participant in the transaction. We have originated, cleared diligence and sold many of these loans to date all with this structure. The borrowers typically set up single property LLCs, with the same layered entities behind them. Please waive. | XX/XX/XXXX Waived | FICO XXX Repeat client, no DQs | Acknowledged | 10/24/2025 | B | B | B | B | B | B | B | B | B | B | B | B | |
| XXX | XXXXX | 305053642 | XXXXX | 10/24/2025 | Credit | Borrower Requirements Not Met | Background Report Aged | Background report for guarantor XXX expired; aged XXX days from origination date | XX/XX/XXXX Uploaded | XX/XX/XXXX Clear | Cleared | 11/3/2025 | C | A | C | A | C | A | C | A | C | A | C | A | ||
| XXX | XXXXX | 305053643 | XXXXX | 10/24/2025 | Credit | Borrower Requirements Not Met | Entity Documentation - Missing or Defective | Missing operating agreement forXXX (layered entity) to prove ownership of borrowing entity and XXX% of entity guaranteeing the loan. | XX/XX/XXXX This sponsor utilizes layered entities, with various passive investors. We do not require documentation beyond our borrowing entity (the single asset LLC). Our loan is guaranteed by the active participant in the transaction. We have originated, cleared diligence and sold many of these loans to date all with this structure. The borrowers typically set up single property LLCs, with the same layered entities behind them. Please waive. | XX/XX/XXXX Waived | FICO XXX Repeat client, no DQs | Acknowledged | 10/24/2025 | B | B | B | B | B | B | B | B | B | B | B | B | |
| XXX | XXXXX | 305053643 | XXXXX | 10/24/2025 | Credit | Borrower Requirements Not Met | Background Report Aged | Background report for guarantor XXX expired; aged XXX days from origination date | XX/XX/XXXX Uploaded | XX/XX/XXXX Clear | Cleared | 11/3/2025 | C | A | C | A | C | A | C | A | C | A | C | A | ||
| XXX | XXXXX | 305053638 | XXXXX | 11/13/2025 | Property | Insurance | Hazard Insurance Missing or Defective | Hazard Insurance is missing the mortgagee clause. | XX/XX/XXXX Updated insurance uploaded | XX/XX/XXXX Received | Cleared | 12/18/2025 | C | A | C | A | C | A | C | A | C | A | C | A | ||
| XXX | XXXXX | 305053636 | XXXXX | 1/5/2026 | Credit | Borrower Requirements Not Met | Entity Documentation - Missing or Defective | XXX (XXX% owner of XXX LLC) and XXX (XXX% owner of XXX XXX) not guaranteeing. All loans should have executed personal guarantees by XXX% of the entity's ownership. | XX/XX/XXXX Please waive with comp factors of XX/XX/XXXX DSCR, XXX, after closing assets of >$XXX | XX/XX/XXXX Waived | XX/XX/XXXX DSCR, XXX x XXX x XXX months reserves | Acknowledged | 1/13/2026 | D | B | D | B | D | B | D | B | D | B | D | B | |
| XXX | XXXXX | 305053635 | XXXXX | 1/5/2026 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines. | XX/XX/XXXX Clear | XX/XX/XXXX Clear | Cleared | 1/5/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305053623 | XXXXX | 1/5/2026 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines. | XX/XX/XXXX Clear | XX/XX/XXXX Clear | Cleared | 1/5/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305053636 | XXXXX | 1/5/2026 | Property | Ineligible Property | Ineligible Property – Square Footage | Subject Property square footage is XXX square feet for all units. Minimum square footage for XX/XX/XXXX units is XXX square feet per guidelines. | XX/XX/XXXX Please waive with comp factors of XX/XX/XXXX DSCR, XXX, after closing assets of >$XXX | XX/XX/XXXX Waived | XX/XX/XXXX DSCR, XXX x XXX x XXX months reserves | Acknowledged | 1/13/2026 | C | B | C | B | C | B | C | B | C | B | C | B | |
| XXX | XXXXX | 305053633 | XXXXX | 1/7/2026 | Credit | Loan Amount | Minimum Loan Amount Not Met | XX/XX/XXXX XXX Minimum XXX per guidelines: XXX | XX/XX/XXXX Management waived with compensating factors of XXX FICO, XX/XX/XXXX DSCR, 6X assets required | XX/XX/XXXX Waived | XXX FICO, XX/XX/XXXX DSCR, XXX months reserves | Acknowledged | 1/21/2026 | C | B | C | B | C | B | C | B | C | B | C | B | |
| XXX | XXXXX | 305053629 | XXXXX | 1/23/2026 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines. | XX/XX/XXXX Clear | XX/XX/XXXX Clear | Cleared | 1/23/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 304866755 | XXXXX | 12/11/2025 | Credit | Assets | Asset Documentation Missing or Defective | Missing XXX% access letter from XXX, giving XXX full access to the funds in the joint XXX acct #XXX and XXX acct #XXX | XX/XX/XXXX Access letter uploaded | XX/XX/XXXX Received access letter | Cleared | 12/12/2025 | D | A | D | A | D | A | D | A | D | A | D | A | ||
| XXX | XXXXX | 304902530 | XXXXX | 12/15/2025 | Credit | No Findings | No Findings | The loan meets all applicable guidelines. | Cleared | 12/15/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||||
| XXX | XXXXX | 304908741 | XXXXX | 12/17/2025 | Credit | No Findings | No Findings | The loan meets all applicable guidelines. | Cleared | 12/17/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||||
| XXX | XXXXX | 304908740 | XXXXX | 1/6/2026 | Property | Borrower and Mortgage Eligibility | Excessive LTV Ratio | LTV of 87.21% > XXX% Max LTV. The BPO variance is XXX% below the appraised value. Per guidelines, "BPO value used when BPO is more than XXX% below appraised value." | XX/XX/XXXX BPO Uploaded | XX/XX/XXXX Received BPO | Cleared | 1/13/2026 | C | A | C | A | C | A | C | A | C | A | C | A | ||
| XXX | XXXXX | 305050689 | XXXXX | 2/27/2026 | Credit | Property Data Collection | Subject Property Lease - Missing or Defective | Missing Lease Agreement for subject property: XXX | XX/XX/XXXX Lease uploaded | XX/XX/XXXX Received Lease | Cleared | 3/5/2026 | D | A | D | A | D | A | D | A | D | A | D | A | ||
| XXX | XXXXX | 305047759 | XXXXX | 3/5/2026 | Credit | No Findings | No Findings | The loan meets all applicable guidelines. | Cleared | 3/5/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||||
| XXX | XXXXX | 305065253 | XXXXX | 3/10/2026 | Property | No Findings | No Findings | The loan meets all applicable guidelines. | Cleared | 3/10/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||||
| XXX | XXXXX | 305065254 | XXXXX | 3/10/2026 | Credit | Borrower and Mortgage Eligibility | Guarantor Identification Missing or Defective | Missing ID for the Borrower: XXX | XX/XX/XXXX ID uploaded | XX/XX/XXXX Received ID | Cleared | 3/11/2026 | D | A | D | A | D | A | D | A | D | A | D | A | ||
| XXX | XXXXX | 305065258 | XXXXX | 3/10/2026 | Credit | No Findings | No Findings | The loan meets all applicable guidelines. | Cleared | 3/10/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||||
| XXX | XXXXX | 305047755 | XXXXX | 3/11/2026 | Credit | No Findings | No Findings | The loan meets all applicable guidelines. | Cleared | 3/11/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||||
| XXX | XXXXX | 305065260 | XXXXX | 3/12/2026 | Property | Appraisal | Appraisal Review - Missing | Missing Appraisal Review for property located at : XXX | XX/XX/XXXX Uploaded BPO | XX/XX/XXXX Received BPO | Cleared | 3/13/2026 | D | A | D | A | D | A | D | A | D | A | D | A | ||
| XXX | XXXXX | 304511305 | XXXXX | 3/19/2025 | Credit | No Findings | No Findings | The loan meets all applicable guidelines | Cleared | 3/19/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||||
| XXX | XXXXX | 304823807 | XXXXX | 8/27/2025 | Credit | Loan Documentation | Note Missing or Defective | Missing Note for borrower XXX | XX/XX/XXXX Closing Package | XX/XX/XXXX Received Closing Package | Cleared | 8/29/2025 | D | A | D | A | D | A | D | A | D | A | D | A | ||
| XXX | XXXXX | 304823807 | XXXXX | 8/27/2025 | Credit | Loan Documentation | Security Instrument Missing or Defective | Missing Security Instrument for borrower XXX | XX/XX/XXXX Closing Package | XX/XX/XXXX Received Closing Package | Cleared | 8/29/2025 | D | A | D | A | D | A | D | A | D | A | D | A | ||
| XXX | XXXXX | 304823793 | XXXXX | 8/27/2025 | Credit | No Findings | No Findings | The loan meets all applicable guidelines | Cleared | 8/27/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||||
| XXX | XXXXX | 304812660 | XXXXX | 8/29/2025 | Credit | No Findings | No Findings | The loan meets all applicable guidelines | Cleared | 8/29/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||||
| XXX | XXXXX | 304823710 | XXXXX | 9/24/2025 | Credit | No Findings | No Findings | The loan meets all applicable guidelines | Cleared | 9/24/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||||
| XXX | XXXXX | 304844248 | XXXXX | 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 | 304843962 | XXXXX | 10/16/2025 | Property | Insurance | Hazard Insurance Missing or Defective | Hazard Insurance is missing an expiration date. | XX/XX/XXXX HOI certificate in file matches the binder. it lists both the effective and expiration date. | XX/XX/XXXX Rescind | Cleared | 10/21/2025 | C | A | C | A | C | A | C | A | C | A | C | A | ||
| XXX | XXXXX | 304859690 | XXXXX | 10/30/2025 | Credit | No Findings | No Findings | The loan meets all applicable guidelines. | Cleared | 10/30/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||||
| XXX | XXXXX | 304325913 | XXXXX | 6/11/2024 | Credit | No Findings | No Credit Findings | The loan meets all applicable guidelines | Resolved | A | A | A | A | A | A | A | A | A | A | A | A | |||||
| XXX | XXXXX | 304325926 | XXXXX | 7/1/2024 | Credit | No Findings | No Credit Findings | The loan meets all applicable guidelines | Resolved | A | A | A | A | A | A | A | A | A | A | A | A | |||||
| XXX | XXXXX | 304495341 | XXXXX | 1/21/2025 | Credit | No Findings | No Credit Findings | The loan meets all applicable guidelines | Resolved | A | A | A | A | A | A | A | A | A | A | A | A | |||||
| XXX | XXXXX | 304495519 | XXXXX | 2/3/2025 | Credit | No Findings | No Credit Findings | The loan meets all applicable guidelines | Resolved | A | A | A | A | A | A | A | A | A | A | A | A | |||||
| XXX | XXXXX | 304816713 | XXXXX | 7/25/2025 | Credit | No Findings | No Credit Findings | The loan meets all applicable guidelines | Resolved | A | A | A | A | A | A | A | A | A | A | A | A | |||||
| XXX | XXXXX | 304866893 | XXXXX | 9/29/2025 | Credit | Loan Documentation | Deed Missing or Defective | MISSING CONVEYANCE DEED from XXX to XXX | XX/XX/XXXX Deed | XX/XX/XXXX Received Deed | Resolved | 10/1/2025 | D | A | D | A | D | A | D | A | D | A | D | A | ||
| XXX | XXXXX | 304827838 | XXXXX | 11/20/2025 | Credit | Loan Documentation | Deed Missing or Defective | MISSING CONVEYANCE DEED from XXX to XXX | XX/XX/XXXX Deed | XX/XX/XXXX Received Deed | Resolved | 11/21/2025 | D | A | D | A | D | A | D | A | D | A | D | A | ||
| XXX | XXXXX | 304811655 | XXXXX | 8/13/2025 | No Findings | No Findings | No Findings | The loan meets all the applicable guidelines | XX/XX/XXXX Clear | XX/XX/XXXX Clear | Cleared | 8/13/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 304811745 | XXXXX | 8/14/2025 | No Findings | No Findings | No Findings | The loan meets all the applicable guidelines | XX/XX/XXXX Clear | XX/XX/XXXX Clear | Cleared | 8/14/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 304811692 | XXXXX | 8/13/2025 | Credit | Title or Lien | Title Insurance Missing or Defective | Title insurance policy in file is MISSING MORTGAGEe clause after lender's name. Please provide updated policy with ISAOA/ATIMA verbiage after lender's name. | XX/XX/XXXX Updated Title | XX/XX/XXXX Received | Cleared | 8/21/2025 | C | A | C | A | C | A | C | A | C | A | C | A | ||
| XXX | XXXXX | 304811693 | XXXXX | 8/21/2025 | No Findings | No Findings | No Findings | The loan meets all the applicable guidelines | XX/XX/XXXX Clear | XX/XX/XXXX Clear | Cleared | 8/21/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 304779704 | XXXXX | 9/3/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX Clear | XX/XX/XXXX Clear | Cleared | 9/3/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 304779654 | XXXXX | 9/3/2025 | Credit | Closing Documentation | Guaranty Missing or Defective | Guaranty Missing | XX/XX/XXXX This is SDIRA Loan - Non-Recourse loan, Guaranty document is not required. Please waive. | XX/XX/XXXX Waived | DSCR XXX FICO XXX LTV 49.76% | Acknowledged | 9/22/2025 | D | B | D | B | D | B | D | B | D | B | D | B | |
| XXX | XXXXX | 304779654 | XXXXX | 9/3/2025 | Credit | Borrower Requirements Not Met | Entity Documentation - Missing or Defective | Missing operating agreement for XXX,XXX (owner of XXX) | XX/XX/XXXX Entity Documentation | XX/XX/XXXX Received | Cleared | 9/18/2025 | D | A | D | A | D | A | D | A | D | A | D | A | ||
| XXX | XXXXX | 304779654 | XXXXX | 9/3/2025 | Credit | Credit Eligibility | Insufficient Assets for Reserves | Audited Reserves of XXX month(s) are less than Guideline Required Reserves of XXX month(s) | XX/XX/XXXX HUD from refianance transaction which provided the funds for this purchase | XX/XX/XXXX Received | Cleared | 9/29/2025 | C | A | C | A | C | A | C | A | C | A | C | A | ||
| XXX | XXXXX | 304779718 | XXXXX | 9/3/2025 | Credit | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX Clear | XX/XX/XXXX Clear | Cleared | 9/3/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 304779790 | XXXXX | 8/29/2025 | Credit | Closing Documentation | Security Instrument Missing or Defective | Missing MERS ID, client requires all loans to be on MERS | XX/XX/XXXX MIN | XX/XX/XXXX Received | Cleared | 10/8/2025 | C | A | C | A | C | A | C | A | C | A | C | A | ||
| XXX | XXXXX | 304779748 | XXXXX | 9/5/2025 | No Findings | No Findings | No Findings | This loan meets all applicable guidelines | XX/XX/XXXX Clear | XX/XX/XXXX Clear | Cleared | 9/5/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 304779671 | XXXXX | 9/8/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX Clear | XX/XX/XXXX Clear | Cleared | 9/8/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 304779662 | XXXXX | 9/8/2025 | Credit | Closing Documentation | Closing Disclosure/Settlement Statement Missing or Defective | Missing Settlement Statement | XX/XX/XXXX Settlement Statement | XX/XX/XXXX Received | Cleared | 9/18/2025 | D | A | D | A | D | A | D | A | D | A | D | A | ||
| XXX | XXXXX | 304898625 | XXXXX | 9/8/2025 | Property | Appraisal Data Integrity | Appraisal Missing or Defective | There has been an exclusionary hit on the appraiser: XXX | XX/XX/XXXX Waived via email | XX/XX/XXXX Waived via email | DSCR XXX FICO XXX Months Reserve XXX | Acknowledged | 1/5/2026 | C | B | C | B | C | B | C | B | C | B | C | B | |
| XXX | XXXXX | 304779678 | XXXXX | 9/9/2025 | Credit | Credit Documentation | Entity Documentation - Missing or Defective | Missing Articles of Incorporation for XXX | XX/XX/XXXX Entity Documentation | XX/XX/XXXX Received | Cleared | 9/18/2025 | D | A | D | A | D | A | D | A | D | A | D | A | ||
| XXX | XXXXX | 304779719 | XXXXX | 9/9/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX Clear | XX/XX/XXXX Clear | Cleared | 9/9/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 304824836 | XXXXX | 9/15/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX Clear | XX/XX/XXXX Clear | Cleared | 9/15/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 304824771 | XXXXX | 9/19/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX Clear | XX/XX/XXXX Clear | Cleared | 9/19/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 304824803 | XXXXX | 9/24/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX Clear | XX/XX/XXXX Clear | Cleared | 9/24/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 304728987 | XXXXX | 6/26/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX Clear | XX/XX/XXXX Clear | Cleared | 6/26/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 304728981 | XXXXX | 7/2/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX Clear | XX/XX/XXXX Clear | Cleared | 7/2/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 304728925 | XXXXX | 7/2/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX Clear | XX/XX/XXXX Clear | Cleared | 7/2/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 304898534 | XXXXX | 12/11/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX Clear | XX/XX/XXXX Clear | Cleared | 12/11/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 304898533 | XXXXX | 11/25/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX Clear | XX/XX/XXXX Clear | Cleared | 11/25/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 304821274 | XXXXX | 9/16/2025 | Credit | LTV or ARLTV | Excessive LTV Ratio | 80% LTV > XXX% max LTV allowed for FICO below XXX | XX/XX/XXXX Waiver in file | XX/XX/XXXX Waiver in file | Excess DSCR: XXX depth of prior housing history XXX years | Acknowledged | 9/16/2025 | B | B | B | B | B | B | B | B | B | B | B | B | |
| XXX | XXXXX | 304325970 | XXXXX | 06/25/2024 | 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. | Resolved | 06/25/2024 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 304325970 | XXXXX | 06/25/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | Cleared | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 06/25/2024 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 304375629 | XXXXX | 08/13/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | Cleared | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 08/13/2024 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 304375629 | XXXXX | 08/13/2024 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Cleared | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 08/13/2024 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 304495397 | XXXXX | 03/06/2025 | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing | Document Uploaded. | Required Affiliated Business Disclosure Documentation Provided; Affiliated attestation provided; Exception resolved | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 65% is less than Guideline CLTV of 80% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 65% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 03/06/2025 | B | A | B | A | B | A | B | A | B | A | B | A | |
| XXX | XXXXX | 304495397 | XXXXX | 02/27/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | Cleared | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 65% is less than Guideline CLTV of 80% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 65% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 02/27/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 304495397 | XXXXX | 02/27/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Cleared | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 65% is less than Guideline CLTV of 80% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 65% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 02/27/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 304841668 | XXXXX | 09/04/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 60% is less than Guideline CLTV of 70% | Original LTV is Below the Guideline Maximum - Calculated LTV of 60% is less than Guideline LTV of 70% | Resolved | 09/04/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 304841668 | XXXXX | 09/04/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 60% is less than Guideline CLTV of 70% | Original LTV is Below the Guideline Maximum - Calculated LTV of 60% is less than Guideline LTV of 70% | Resolved | 09/04/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 304841676 | XXXXX | 09/11/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | Original LTV is Below the Guideline Maximum - Calculated LTV of 69.77% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 69.77% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 09/11/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 304841676 | XXXXX | 09/11/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | Original LTV is Below the Guideline Maximum - Calculated LTV of 69.77% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 69.77% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 09/11/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 304866925 | XXXXX | 11/14/2025 | Compliance | Missing Doc | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. The eSigned documents consent is missing. Nothing in file to reflect the initial e-signature dated on or before XX/XX/XXXX. | Document Uploaded. | Evidence of eConsent is 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 | 11/14/2025 | B | A | B | A | B | A | B | A | B | A | B | A | |
| XXX | XXXXX | 304866925 | XXXXX | 11/14/2025 | Credit | Assets | Audited Reserves are less than Guideline Required Reserves (Dollar Amount) | Audited Reserves of XXX are less than Guideline Required Reserves of $XXX. The most recent asset Statements verify reserves in the amount of XXX required reserves based on XXX months are XXX The assets are insufficient. | Document Uploaded. ; Document Uploaded. ; Borrower verified funds plus the gift = XXX Funds to close plus reserves = XXX Borrower has more than sufficient funds for closing plus reserves. ; Document Uploaded. ; Document Uploaded. | Received approved lender exception request; Requesting exception for XXX mos reserves. Borrower has a great income stream with very solid residual income with low DTI. Overall XXX borrower with stable recurring income. LG Exception approved for short reserves. Low DTI, high discretionary income. Compensating factors; DTI>XXX% below program requirement. High discretionary income. ; Lender exception received does not reflect a decision by XXX. Decision section of the Exception form is blank. Condition remains.; A re-review of the final CD indicates cash to close of XXX was calculated after gift funds credit of XXX was applied. Verified assets of XXX per asset acct#XXX is not sufficient for funds to close of XXX (per final CD) and XXX months reserves of $XXX. Assets are short by XXX for reserves. Condition remains.; Gift letters and evidence of gift receipts received. The final CD indicate the gift funds were applied – Other credits $XXX. The final cash to close on the CD is $XXX. Verified assets of XXX per asset acct#XXX is not sufficient for funds to close of XXX (per final CD) and XXX months reserves of $XXX. Assets are short by XXX for reserves. Condition remains. ; Verified assets of XXX per asset acct#XXX is not sufficient for funds to close of XXX (per final CD) and XXX months reserves of $XXX. Assets are short by XXX for reserves. | 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 | 304866925 | XXXXX | 11/14/2025 | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Audited Reserves of XX/XX/XXXX month(s) are less than Guideline Required Reserves of XXX month(s) The file verifies reserves covering XX/XX/XXXX months, the required number of Reserves per the Guidelines is XXX Months. Provided funds are insufficient to cover the reserves. | Document Uploaded. ; Document Uploaded. ; Borrower verified funds plus the gift = XXX Funds to close plus reserves = XXX Borrower has more than sufficient funds for closing plus reserves. ; Document Uploaded. ; Document Uploaded. | Received approved lender exception request; Requesting exception for XXX mos reserves. Borrower has a great income stream with very solid residual income with low DTI. Overall XXX borrower with stable recurring income. LG Exception approved for short reserves. Low DTI, high discretionary income. Compensating factors; DTI>XXX% below program requirement. High discretionary income. ; Lender exception received does not reflect a decision by XXX. Decision section of the Exception form is blank. Condition remains.; A re-review of the final CD indicates cash to close of XXX was calculated after gift funds credit of XXX was applied. Verified assets of XXX per asset acct#XXX is not sufficient for funds to close of XXX (per final CD) and XXX months reserves of $XXX. Assets are short by XXX for reserves. Condition remains.; Gift letters and evidence of gift receipts received. The final CD indicate the gift funds were applied – Other credits $XXX. The final cash to close on the CD is $XXX. Verified assets of XXX per asset acct#XXX is not sufficient for funds to close of XXX (per final CD) and XXX months reserves of $XXX. Assets are short by XXX for reserves. Condition remains. ; Verified assets of XXX per asset acct#XXX is not sufficient for funds to close of XXX (per final CD) and XXX months reserves of $XXX. Assets are short by XXX for reserves. | 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 | 304866925 | XXXXX | 10/24/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML with established XXX and met appraisal requirements, therefore, downgraded to grade A. This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | HPML compliant | 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 | 10/24/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 304866925 | XXXXX | 10/24/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | HPML compliant; Cleared | 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 | 10/24/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 304897267 | XXXXX | 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. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 63.21% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 63.21% is less than Guideline CLTV of 80% | Resolved | 12/16/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 304897267 | XXXXX | 12/16/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 63.21% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 63.21% is less than Guideline CLTV of 80% | Resolved | 12/16/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 304897267 | XXXXX | 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. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 63.21% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 63.21% is less than Guideline CLTV of 80% | Resolved | 12/16/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 304873746 | XXXXX | 12/08/2025 | Property | Property Issue | Property Issue(s) are Present | One or more issues or defects with the property have been discovered. Ineligible property per Guidelines. Property is zoned Agricultural/Residential. | Document Uploaded. Per guides Agriculture/Residential are eligible. Please remove. | ; Per GL for DSCR V XXX and per the document uploaded, Pg XXX & XXX this property is zoned Rural, XX/XX/XXXX Ineligible XXXs, Rural Zoned properties are ineligible. | Rescinded | A | A | A | A | A | A | A | A | A | A | A | A | |||
| XXX | XXXXX | 304873746 | XXXXX | 12/08/2025 | Credit | Missing Doc | Third Party Fraud Report not Provided | Missing Third Party Fraud Report | Document Uploaded. Fraud Report was in original file. Please clear. | ; Third Party Fraud Report is provided | Rescinded | A | A | A | A | A | A | A | A | A | A | A | A | |||
| XXX | XXXXX | 304873746 | XXXXX | 12/05/2025 | Compliance | Data | No Compliance Findings | Transaction meets BP guidelines. Transaction is a DSCR cash out refinance and is exempt from TRID/QM. According to the BP letter on page XXX that no part of the proceeds of the loan will be used for consumer purpose. The loan is in compliance with all applicable laws and regulations. | Informational Only; Informational Only | Resolved | 12/05/2025 | A | A | A | A | A | A | A | A | A | A | A | A | |||
| XXX | XXXXX | 305035788 | XXXXX | 01/08/2026 | 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 §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than XXX% XXX exceed the comparable charges XXX by more than XXX% Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures n estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than XXX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). | Document Uploaded. | Cure package provided to the borrower; exception downgraded to a 2/B; Cure package provided to the borrower; exception downgraded to a 2/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 | XXXXX | 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 - XXX 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 2/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 XXX 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 | XXXXX | 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 | XXXXX | 12/17/2025 | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Audited LTV of 75% exceeds Guideline LTV of 70% FICO at XXX for FICO of XXX exceeding XXX, owner occupied max LTV is 70%, 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 | 305011906 | XXXXX | 01/02/2026 | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party VOE Prior to Close Missing VVOE requires Evidence of Current work (executed contracts or signed invoices), Evidence of current work receipts, Business website demonstrating activity supporting current business operations. VVOE in file is signed by VVOE specialist and has attached SOS website information. This does not meet requirements in Guidelines. | Document Uploaded. VVOE and Snapshot | Borrower 1 3rd Party VOE Prior to Close Was Provided; Client provided VVOE and USDOT Number search that reflects active carrier as of XX/XX/XXXX. Cleared. | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 64% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 64% is less than Guideline CLTV of 80% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 01/02/2026 | D | A | D | A | D | A | D | A | D | A | D | A | |
| XXX | XXXXX | 305011906 | XXXXX | 01/02/2026 | 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 the type of business and number of employees | Document Uploaded. Business Narrative | Income and Employment Meet Guidelines; Business Narrative provided | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 64% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 64% is less than Guideline CLTV of 80% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 01/02/2026 | C | A | C | A | C | A | C | A | C | A | C | A | |
| XXX | XXXXX | 305011906 | XXXXX | 12/19/2025 | 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. | Original LTV is Below the Guideline Maximum - Calculated LTV of 64% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 64% is less than Guideline CLTV of 80% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/19/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305011906 | XXXXX | 12/19/2025 | 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. | Original LTV is Below the Guideline Maximum - Calculated LTV of 64% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 64% is less than Guideline CLTV of 80% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/19/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 304905169 | XXXXX | 01/08/2026 | Credit | Missing Doc | Missing final HUD-1 from sale of non-subject property | The Final 1003 indicates property on XXX was sold. The associated mortgage payment of XXX with XXX was not included in the XXX DTI calculation, but was included in the DU DTI calculation. The file contains an unsigned Closing Disclosure (CD) dated XX/XX/XXXX indicating property was sold to a relative, but there is a credit supplement dated XX/XX/XXXX indicating that the XXX mortgage is still open. Confirm the status of the property. If the property has not sold, provide a mortgage account Statement from XXX. If the property did sell, provide the final, executed CD. | Document Uploaded. AUS and CD | Client provided updated 1008 and 1003 reflect the property being retained. The property was added into LM matches original DU. Cleared. | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 01/08/2026 | D | A | D | A | D | A | D | A | D | A | D | A | |
| XXX | XXXXX | 304905169 | XXXXX | 12/23/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 12/23/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 304905169 | XXXXX | 12/23/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 12/23/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 304894301 | XXXXX | 01/06/2026 | Credit | Missing Doc | AUS Partially Provided | AUS Partially Provided AUS to remove risk factor #XXX- Valid XXXX ARM plan not provided. #XXX #XXX | Document Uploaded. ; disregard previous comment and business entity upload, wrong file; Document Uploaded. CPA LETTER - BUSINESS STATUS | AUS is not incomplete; Client provided updated DU reflecting risk factor #XXX- Valid XXXX ARM plan not provided removed. Cleared.; disregard previous comment and business entity upload, wrong file. AUS Partially Provided AUS to remove risk factor #XXX- Valid XXX ARM plan not provided. #XXX #XXX. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 01/06/2026 | D | A | D | A | D | A | D | A | D | A | D | A | |
| XXX | XXXXX | 304894301 | XXXXX | 01/02/2026 | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party VOE Prior to Close Missing The loan file was missing verification for borrower's self-employed business withXXX. The Business Entity Record was uploaded; however, it was not dated. | Document Uploaded. ; Document Uploaded. Dated Business Entity Record | Borrower 1 3rd Party VOE Prior to Close Was Provided; Provided updated XXXX Directory for XXXX dated XX/XX/XXXX. Cleared. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 01/02/2026 | D | A | D | A | D | A | D | A | D | A | D | A | |
| XXX | XXXXX | 304894301 | XXXXX | 12/24/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan. | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 12/24/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 304894301 | XXXXX | 12/24/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | 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 | 304897056 | XXXXX | 01/14/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only; Investor acknowledges exception; Informational Only; Investor acknowledges exception; Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 01/14/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 304897056 | XXXXX | 01/14/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only; Investor acknowledges exception; Informational Only; Investor acknowledges exception; Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 01/14/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 304897056 | XXXXX | 01/07/2026 | 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. Borrower needs XXX to close ($XXX CTC + XXX EMD + XXX reserves) but only XXX has been verified ($XXX XXX #XXX as of XX/XX/XXXX + XXX EMD cleared XX/XX/XXXX). The shortage is a result of the lender including proceeds from another property of XXX but the settlement and bank Statements show actual proceeds were only XXX (proceeds were deposited XX/XX/XXXX). Without additional verified funds, the borrower does not have sufficient assets for closing or reserves. | Document Uploaded. Documentation of sale of vacant lot and refinance of REO for funds to close. | Client provided Closing Disclosure for XXX XXXwith the Borrower receiving XXX on XX/XX/XXXX. Cleared.; Funds are found to meet guidelines. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 01/07/2026 | C | A | C | A | C | A | C | A | C | A | C | A | |
| XXX | XXXXX | 304897056 | XXXXX | 01/06/2026 | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Audited Reserves of month(s) are less than Guideline Required Reserves of XXX month(s) Borrower needs XXX to close ($XXX CTC + XXX EMD + XXX reserves) but only XXX has been verified ($XXX XXX #XXX as of XX/XX/XXXX + XXX EMD cleared XX/XX/XXXX). The shortage is a result of the lender including proceeds from another property of XXX but the settlement and bank Statements show actual proceeds were only XXX (proceeds were deposited XX/XX/XXXX). Without additional verified funds, the borrower does not have sufficient assets for closing or reserves. | Document Uploaded. LOX on assets, copy of settlement for vacant refi and copy of final cd from refi of REO | Client provided Closing Disclosure for XXX with the Borrower receiving XXX on XX/XX/XXXX. Cleared.; Audited Reserves of XXX month(s) are greater than or equal to Guideline Required Reserves of XXX month(s) | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 01/06/2026 | C | A | C | A | C | A | C | A | C | A | C | A | |
| XXX | XXXXX | 304897056 | XXXXX | 01/06/2026 | Credit | Assets | Audited Reserves are less than Guideline Required Reserves (Dollar Amount) | Audited Reserves of $ are less than Guideline Required Reserves of $XXX. Borrower needs XXX to close ($XXX CTC + XXX EMD + XXX reserves) but only XXX has been verified ($XXX XXX #XXX as of XX/XX/XXXX + XXX EMD cleared XX/XX/XXXX). The shortage is a result of the lender including proceeds from another property of XXX but the settlement and bank Statements show actual proceeds were only XXX (proceeds were deposited XX/XX/XXXX). Without additional verified funds, the borrower does not have sufficient assets for closing or reserves. | Document Uploaded. LOX and documentation of sale of vacant lot and refi of REO | Client provided Closing Disclosure for XXXwith the Borrower receiving XXX on XX/XX/XXXX. Cleared.; Audited Reserves of XXX are equal to or greater than AUS Required Reserves of $XXX. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 01/06/2026 | C | A | C | A | C | A | C | A | C | A | C | A | |
| XXX | XXXXX | 305035764 | XXXXX | 12/31/2025 | Credit | Missing Doc | Missing VOM or VOR | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. Missing updated credit supplement for the current 1st and 2nd mortgages with XXX showing the XX/XX/XXXX payment was made in the month due. | Document Uploaded. Page XXX of document uploaded says due for XX/XX/XXXX | Documentation is sufficient. Mortgage Statement provided. Exception resolved.; Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 80% | Resolved | 12/31/2025 | D | A | D | A | D | A | D | A | D | A | D | A | |
| XXX | XXXXX | 305035764 | XXXXX | 12/24/2025 | 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 70% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 80% | Resolved | 12/24/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305035764 | XXXXX | 12/24/2025 | 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 70% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 80% | Resolved | 12/24/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305035770 | XXXXX | 12/26/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/26/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305035770 | XXXXX | 12/26/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/26/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305035770 | XXXXX | 12/26/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/26/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305012710 | XXXXX | 01/27/2026 | Credit | Insurance | HO6 Insurance Policy Effective Date is after the Note Date | HO-6 Insurance Policy Effective Date of XX/XX/XXXX is after the XXX of XX/XX/XXXX HO-6 Insurance in file shows effective date as XX/XX/XXXX | Document Uploaded. Attached is the updated HOI binder w/ the current policy date | HO-6 Insurance Policy Effective Date of XX/XX/XXXX is prior to or equal to the Disbursement Date of XX/XX/XXXX Or HO-6 Insurance Policy Effective Date Is Not Provided; Client provided updated HOI bill for Policy for the subject property. LM Updated. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/27/2026 | C | A | C | A | C | A | C | A | C | A | C | A | |
| XXX | XXXXX | 305012710 | XXXXX | 01/24/2026 | Credit | Assets | Asset 2 Expired | Asset 2 Expired XXX stmt in file is dated XX/XX/XXXX, need current Statement | XX/XX/XXXX Statement provided; Document Uploaded. Lender's comments: Attached is the XXX XXX Statement. We also have provided a full year prior; Document Uploaded. Attached are updated bank Statements | Asset 2 Not Expired Or Not Applicable; Condition is not resolved. Client provided XXX bank Statements dated XX/XX/XXXX. The subject loan closed XX/XX/XXXX the Statements provided are XXX year old. XXX account numbers XXX and XXX are list as Assets for B2 on the Final 1003. Countered.; Asset 2 Expired; Client provided updated Bank Statements for XXX accounts XXX and XXX dated XX/XX/XXXX. Cleared. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/24/2026 | C | A | C | A | C | A | C | A | C | A | C | A | |
| XXX | XXXXX | 305012710 | XXXXX | 01/24/2026 | Credit | Assets | Asset 3 Expired | Asset 3 Expired XXX stmt in file is dated XX/XX/XXXX, need current Statement | Document Uploaded. Lender's comment: Attached is the XXX XXX Statement. We also have provided a full year prior; Document Uploaded. Attached are updated bank Statements | Asset 3 Not Expired Or Not Applicable; XXX/XXX-XXX/XXX Statement provided; Condition is not resolved. Client provided XXX bank Statements dated XX/XX/XXXX. The subject loan closed XX/XX/XXXX the Statements provided are XXX year old. XXX account numbers XXX and XXX are list as Assets for B2 on the Final 1003. Countered.; Asset 3 Expired; Client provided updated Bank Statements for XXX accounts XXX and XXX dated XX/XX/XXXX. Cleared. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/24/2026 | C | A | C | A | C | A | C | A | C | A | C | A | |
| XXX | XXXXX | 305012710 | XXXXX | 01/07/2026 | Property | Missing Doc | Condo Approval Missing | Condo Approval Missing. Verification condo is warrantable, provide PERS, CPM approval or attestation from the lender certifying the condo is warrantable | Document Uploaded. Condo Warrantable information | Condo Approval is provided.; Client provided Uniform Mortgage Questionnaire, Budget Statement, Lender Certification and research reflecting the Condo as Non-Warrantable. Cleared. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/07/2026 | B | A | B | A | B | A | B | A | B | A | B | A | |
| XXX | XXXXX | 305012710 | XXXXX | 01/07/2026 | Credit | Missing Doc | Purchase Contract is Missing | XXX is Purchase but Purchase Contract Doc is Missing | XXX is Purchase but Purchase Contract Doc is Missing; Purchase Contract Doc is not Missing, or is Not Applicable.; Purchase Contract Doc is not Missing, or is Not Applicable. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/07/2026 | D | A | D | A | D | A | D | A | D | A | D | A | ||
| XXX | XXXXX | 305012710 | XXXXX | 01/07/2026 | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Please document total expense for primary residence XXX (principal, interest, insurance, taxes, any applicable HOA dues and secondary financing if applicable | Document Uploaded. REO docs | Client provided Final Closing Disclosure reflecting PITI, additional payment and HOA Statement with current monthly assessment. Cleared. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/07/2026 | D | A | D | A | D | A | D | A | D | A | D | A | |
| XXX | XXXXX | 305012710 | XXXXX | 01/06/2026 | Compliance | Missing Doc | TRID: Missing Loan Estimate | Documentation required to clear exception: Only LE provided in file is for a different property. Please provide all applicable LE and COC for corresponding Loan. Additional conditions may apply. | Document Uploaded. LE uploaded | Initial LE provided; exception resolved | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/06/2026 | D | A | D | A | D | A | D | A | D | A | D | A | |
| XXX | XXXXX | 305012710 | XXXXX | 12/31/2025 | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing Documentation required to clear exception: Please provide missing Affiliated Business Disclosure. | Investor Acknowledges exception | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Acknowledged | No | B | B | B | B | B | B | B | B | B | B | B | B | ||
| XXX | XXXXX | 305035711 | XXXXX | 01/12/2026 | Credit | Missing Doc | Missing Personal Guaranty | Missing Personal Guaranty. | Document Uploaded. ; Document Uploaded. | Documentation provided is sufficient. Exception resolved.; Personal Guaranty provided.; Missing Personal Guaranty document. Exception remains. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 01/12/2026 | D | A | D | A | D | A | D | A | D | A | D | A | |
| XXX | XXXXX | 305035711 | XXXXX | 01/12/2026 | Credit | Missing Doc | The Note is Incomplete | The Note is Incomplete Missing executed XXX addendum. | Document Uploaded. | Prepayment rider in file. Exception resolved.; The Note is Present; The Note is Incomplete; The Note is Present | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 01/12/2026 | D | A | D | A | D | A | D | A | D | A | D | A | |
| XXX | XXXXX | 305035711 | XXXXX | 01/12/2026 | Credit | Missing Doc | Business Purpose Affidavit/Disclosure Missing | Business Purpose Affidavit/Disclosure Missing. Must be signed at closing. | Document Uploaded. | Documentation is sufficient. Business Purpose document provided. Exception resolved.; Business Purpose Affidavit/Disclosure Provided | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 01/12/2026 | D | A | D | A | D | A | D | A | D | A | D | A | |
| XXX | XXXXX | 305035711 | XXXXX | 01/06/2026 | Credit | Missing Doc | The Deed of Trust is Incomplete | The Deed of Trust is Incomplete Deed of Trust is missing most pages. Only pages XXX are in file. | Document Uploaded. | Documentation is sufficient. Mortgage provided. Exception resolved.; The Deed of Trust is Present and Complete; The Deed of Trust is Incomplete; The Deed of Trust is Present and Complete | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 01/06/2026 | D | A | D | A | D | A | D | A | D | A | D | A | |
| XXX | XXXXX | 305035711 | XXXXX | 01/05/2026 | Credit | Eligibility | Audited HCLTV Exceeds Guideline HCLTV | Audited HLTV of 80% exceeds Guideline HCLTV of 75% Due to DSCR below XXX | Document Uploaded. | Documentation is sufficient. Short term rental analysis provided. Exception resolved.; Audited HLTV of 80% is less than or equal to Guideline HCLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 01/05/2026 | C | A | C | A | C | A | C | A | C | A | C | A | |
| XXX | XXXXX | 305035711 | XXXXX | 01/05/2026 | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV | Audited CLTV of 80% exceeds Guideline CLTV of 75% Due to DSCR below XXX | Document Uploaded. | Documentation is sufficient. Short term rental analysis provided. Exception resolved.; Audited CLTV of 80% is less than or equal to Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 01/05/2026 | C | A | C | A | C | A | C | A | C | A | C | A | |
| XXX | XXXXX | 305035711 | XXXXX | 01/05/2026 | Credit | Eligibility | DSCR is less than guideline minimum | Qualifying DSCR of XXX is less than guideline minimum requirement of XXX No form 1007, lease or short term rental analysis found in file. Audit used XXX for rental income. | Document Uploaded. | Documentation is sufficient. Short term rental analysis provided. Exception resolved.; Qualifying DSCR meets Guidelines | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 01/05/2026 | C | A | C | A | C | A | C | A | C | A | C | A | |
| XXX | XXXXX | 305035711 | XXXXX | 01/05/2026 | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Audited LTV of 80% exceeds Guideline LTV of 75% Due to DSCR below XXX | Document Uploaded. | Documentation is sufficient. Short term rental analysis provided. Exception resolved.; Audited LTV of 80% is less than or equal to Guideline LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 01/05/2026 | C | A | C | A | C | A | C | A | C | A | C | A | |
| XXX | XXXXX | 305035711 | XXXXX | 01/05/2026 | Credit | Missing Doc | PUD Rider is Missing | PUD Rider is Missing | Document Uploaded. | Documentation is sufficient. PUD Rider provided. Exception resolved.; The PUD Rider is Present or is Not Applicable (XXX is PUD) | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 01/05/2026 | D | A | D | A | D | A | D | A | D | A | D | A | |
| XXX | XXXXX | 305035711 | XXXXX | 01/05/2026 | Property | Appraisal | Property/Appraisal General | Property/Appraisal guideline violation: Missing form 1007, lease, short term rental analysis, or AIRDNA used to calculate rental income. | Document Uploaded. | Documentation is sufficient. Short term rental analysis provided. Exception resolved.; Property/Appraisal Meets Guidelines | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 01/05/2026 | C | A | C | A | C | A | C | A | C | A | C | A | |
| XXX | XXXXX | 305035711 | XXXXX | 12/31/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/31/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305035709 | XXXXX | 01/07/2026 | Credit | Assets | Asset 5 Does Not Meet Guideline Requirements | Asset 5 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 5 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 | 01/07/2026 | C | A | C | A | C | A | C | A | C | A | C | A | |
| XXX | XXXXX | 305035709 | XXXXX | 01/07/2026 | Credit | Missing Doc | Borrower 1 CPA Letter Missing | Borrower 1 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 1 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 | 01/07/2026 | D | A | D | A | D | A | D | A | D | A | D | A | |
| XXX | XXXXX | 305035709 | XXXXX | 01/05/2026 | 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 | 01/05/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305035709 | XXXXX | 01/05/2026 | 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 | 01/05/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 304908668 | XXXXX | 01/30/2026 | Credit | Missing Doc | Borrower 1 IRS Transcripts Missing | Borrower 1 IRS Transcripts Missing XXX Years Tax Transcripts were not available for B1 at the time of review. | Document Uploaded. B1 Transcripts | Borrower 1 IRS Transcripts Provided; Client provided IRS Transcripts for B1 for XXX and XXX Cleared. | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/30/2026 | D | A | D | A | D | A | D | A | D | A | D | A | |
| XXX | XXXXX | 304908668 | XXXXX | 01/30/2026 | Credit | Missing Doc | Borrower 2 IRS Transcripts Missing | Borrower 2 IRS Transcripts Missing XXX Years Tax Transcripts were not available for B2 at the time of review. | Document Uploaded. B2 Transcripts | Borrower 2 IRS Transcripts Provided or Not Applicable (Number of Borrowers equals XXX); Client provided IRS Transcripts for B2 for XXX and XXX Cleared. | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/30/2026 | D | A | D | A | D | A | D | A | D | A | D | A | |
| XXX | XXXXX | 304908668 | XXXXX | 01/30/2026 | Compliance | TRID | CD: General Form Requirements Not Met | Final CD disclosed fixed rate product and payment stream. Note and Rider provided are Fixed/Adjustable rate. Incorrect closing document provided to the consumer. Provide corrected executed Fixed rate Note, Security Instrument, removing the rider and a letter of intent to re-record. | Document Uploaded. Attestation re: prior Note destruction uploaded; Document Uploaded. Note, DOT and LOI uploaded | CD: General Form Requirements Met; Client provided Updated Fixed Rate Note, Letter of Intent to Record, Updated Deed of Trust and PUD Rider. LM Updated. | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/30/2026 | C | A | C | A | C | A | C | A | C | A | C | A | |
| XXX | XXXXX | 304908668 | XXXXX | 01/14/2026 | 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. HPML compliant | Document Uploaded. lender exception approval | Exception acknowledged. | 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 | 304908668 | XXXXX | 01/12/2026 | Compliance | TRID Tolerance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of XXX is due to increase from XXX to XXX for the Closing fee. The Closing fee was disclosed as a title/escrow fee in section C on all disclosures and then moved to section A, lender fee on final CD XX/XX/XXXX. A COC is required to determine if this was a valid change. | Document Uploaded. COC and CD uploaded | Valid COC provided; exception resolved; Valid COC provided; exception resolved | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/12/2026 | C | A | C | A | C | A | C | A | C | A | C | A | |
| XXX | XXXXX | 304908668 | XXXXX | 01/05/2026 | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing Please provide Affiliated Business Disclosure within XXX business days of XXX, XX/XX/XXXX or provide confirmation the lender has no affiliates. | Investor acknowledges exception | Borrower has stable job time - Borrower has XXX years on job. | Acknowledged | No | B | B | B | B | B | B | B | B | B | B | B | B | ||
| XXX | XXXXX | 304908668 | XXXXX | 01/05/2026 | 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. | Resolved | 01/05/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305035822 | XXXXX | 01/06/2026 | 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 | 01/06/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305035822 | XXXXX | 01/06/2026 | 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 | 01/06/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305035822 | XXXXX | 01/06/2026 | 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 | 01/06/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305035719 | XXXXX | 01/06/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | informational | Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/06/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305035719 | XXXXX | 01/06/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | informational | Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/06/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305035719 | XXXXX | 01/06/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | informational | Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/06/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305035826 | XXXXX | 01/07/2026 | 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. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 55.95% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 55.95% is less than Guideline CLTV of 90% | Resolved | 01/07/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305035826 | XXXXX | 01/07/2026 | 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. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 55.95% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 55.95% is less than Guideline CLTV of 90% | Resolved | 01/07/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305035826 | XXXXX | 01/07/2026 | 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. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 55.95% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 55.95% is less than Guideline CLTV of 90% | Resolved | 01/07/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305035710 | XXXXX | 01/12/2026 | Credit | Eligibility | Purchase is not considered to be an Arm's Length Transaction | Purchase is not considered to be an Arm's Length Transaction XXX months mortgage Statements in file from seller verifying not a family sale bail out. | Document Uploaded. | Documentation provided is sufficient. Exception resolved. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% | Resolved | 01/12/2026 | C | A | C | A | C | A | C | A | C | A | C | A | |
| XXX | XXXXX | 305035710 | XXXXX | 01/12/2026 | Credit | Insurance | Hazard Insurance Effective Date is after the Disbursement Date | Hazard Insurance Effective Date of XX/XX/XXXX is after the Disbursement Date of XX/XX/XXXX. HOI in file is an Application/ Binder Receipt and is not effective until XX/XX/XXXX. | Document Uploaded. | Documentation provided is sufficient. Exception resolved.; Hazard Insurance Effective Date of XX/XX/XXXX is prior to or equal to the Disbursement Date of XX/XX/XXXX Or Hazard Insurance Effective Date Is Not Provided. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% | Resolved | 01/12/2026 | C | A | C | A | C | A | C | A | C | A | C | A | |
| XXX | XXXXX | 305035710 | XXXXX | 01/07/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | informational | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% | Resolved | 01/07/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305035710 | XXXXX | 01/07/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | informational | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% | Resolved | 01/07/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305035704 | XXXXX | 01/07/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/07/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305035704 | XXXXX | 01/07/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/07/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305035704 | XXXXX | 01/07/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/07/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305035664 | XXXXX | 01/16/2026 | Credit | Missing Doc | Missing Trust Agreement | Missing Trust Agreement Trust Cert is not executed/notarized. | Document Uploaded. | Documentation is sufficient. Trust cert provided. Exception resolved.; Trust Agreement Meets Guideline Requirements | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/16/2026 | D | A | D | A | D | A | D | A | D | A | D | A | |
| XXX | XXXXX | 305035664 | XXXXX | 01/07/2026 | 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 80% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/07/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305035664 | XXXXX | 01/07/2026 | 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 80% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/07/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305035662 | XXXXX | 01/07/2026 | 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 75% is less than Guideline CLTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 75% is less than Guideline LTV of 85% | Resolved | 01/07/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305035662 | XXXXX | 01/07/2026 | 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 75% is less than Guideline CLTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 75% is less than Guideline LTV of 85% | Resolved | 01/07/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305035662 | XXXXX | 01/07/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | informational | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 75% is less than Guideline CLTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 75% is less than Guideline LTV of 85% | Resolved | 01/07/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305035808 | XXXXX | 01/13/2026 | Credit | Missing Doc | Missing Verification of Subject Property Taxes, Insurance, HOA or Other Payments | Missing verification of the debt associated with the borrower's primary residence listed under other on the final XXX in the amount of $XXX/m. | Document Uploaded. | Documentation is sufficient. Credit supplement 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 | 01/13/2026 | D | A | D | A | D | A | D | A | D | A | D | A | |
| XXX | XXXXX | 305035808 | XXXXX | 01/12/2026 | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Missing evidence of the PITIA for the properties at XXX and XXX XXX which mortgage Statements are missing. Web search for XXX indicates possibly HOA dues are required. | Document Uploaded. ; Document Uploaded. | Documentation provided is sufficient. Exception resolved. ; Missing evidence of the PITIA for the properties at XXX and XXX. and audit conducted a web search for XXX, which indicates possibly HOA dues need to be verified. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/12/2026 | D | A | D | A | D | A | D | A | D | A | D | A | |
| XXX | XXXXX | 305035808 | XXXXX | 01/12/2026 | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Conflicting information in file Verbal VOE indicates the borrower has no ownership interest in XXXX but the Final 1003 indicates the borrower has greater than XXX% ownership. The borrower's ownership interest is required to be verified. | VVOE Documentation provided with ownership status matching Final 1003 is sufficient. Exception resolved.; Income and Employment Meet Guidelines; Income and Employment Do Not Meet Guidelines - Conflicting information in file Verbal VOE indicates the borrower has no ownership interest in XXXX but the Final 1003 indicates the borrower has greater than XXX% ownership. The borrower's ownership interest is required to be verified. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/12/2026 | C | A | C | A | C | A | C | A | C | A | C | A | ||
| XXX | XXXXX | 305035808 | XXXXX | 01/12/2026 | Credit | Missing Doc | Borrower 1 IRS Transcripts Missing | Borrower 1 IRS Transcripts Missing - XXX IRS Transcripts to support XXX income not provided as guidelines indicate the form should be executed and XXX transcripts must validate income. | Document Uploaded. | Documentation provided is sufficient. Exception resolved.; Borrower 1 IRS Transcripts 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 | 01/12/2026 | D | A | D | A | D | A | D | A | D | A | D | A | |
| XXX | XXXXX | 305035808 | XXXXX | 01/12/2026 | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party VOE Prior to Close Missing - Verbal VOE from employer within XXX days of the XXX. VVOE in file is dated XX/XX/XXXX and XXX is XX/XX/XXXX. | Document Uploaded. | Documentation provided is sufficient. Exception resolved.; Borrower 1 3rd Party VOE Prior to Close Was 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 | 01/12/2026 | D | A | D | A | D | A | D | A | D | A | D | A | |
| XXX | XXXXX | 305035808 | XXXXX | 01/12/2026 | Credit | Missing Doc | Missing letter of explanation | Missing letter of explanation from the borrower to address the modification of the subject mortgage, which is to be paid off per guideline requirements. | Document Uploaded. Modification was not for this subject - it is for XXX. Please match up account on the mortgage rating. | Documentation provided is sufficient. 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 | 01/12/2026 | D | A | D | A | D | A | D | A | D | A | D | A | |
| XXX | XXXXX | 305035808 | XXXXX | 01/07/2026 | 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 | 01/07/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305035808 | XXXXX | 01/07/2026 | 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 | 01/07/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305035772 | XXXXX | 01/07/2026 | 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 34.13% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 34.13% is less than Guideline LTV of 80% | Resolved | 01/07/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305035772 | XXXXX | 01/07/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | informational | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 34.13% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 34.13% is less than Guideline LTV of 80% | Resolved | 01/07/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305035772 | XXXXX | 01/07/2026 | 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 34.13% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 34.13% is less than Guideline LTV of 80% | Resolved | 01/07/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305035761 | XXXXX | 01/12/2026 | 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 Missing Final Inspection 1004D as the appraisal was subject to. | Document Uploaded. ; Document Uploaded. | Documentation provided is sufficient. Exception resolved. ; Primary Value Subject Property Appraisal is completed on an As-Is Basis or Not Applicable; Appraisal provided is not on an as-is basis. Repair still outstanding. Please provide a XXX update. Exception remains. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/12/2026 | C | A | C | A | C | A | C | A | C | A | C | A | |
| XXX | XXXXX | 305035761 | XXXXX | 01/09/2026 | Compliance | Right to Rescind | TILA Right of Rescission Test | This loan failed the TILA right of rescission test losed-end (12 CFR §1026.23(a)(3), transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3), transferred from 12 CFR §226.15(a)(3) 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 §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. This loan failed the TILA right of rescission test losed-end (12 CFR §1026.23(a)(3), transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3), transferred from 12 CFR §226.15(a)(3) 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 §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. Corrected disbursement date; exception resolved Corrected disbursement date; 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 | 01/09/2026 | C | A | C | A | C | A | C | A | C | A | C | A | |||
| XXX | XXXXX | 305035761 | XXXXX | 01/09/2026 | Compliance | Missing Doc | TRID: Missing Closing Disclosure | TRID: Missing Final Closing Disclosure The complete final CD is missing (the loan file only contains page XXX of XXX pg. XXX). | Document Uploaded. | TRID: Final Closing Disclosure 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 | 01/09/2026 | D | A | D | A | D | A | D | A | D | A | D | A | |
| XXX | XXXXX | 305035761 | XXXXX | 01/09/2026 | Compliance | Missing Doc | Missing Initial Escrow Disclosure | Initial Escrow Account Disclosure is Missing | Document Uploaded. | Initial Escrow Account Disclosure is 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 | 01/09/2026 | B | A | B | A | B | A | B | A | B | A | B | A | |
| XXX | XXXXX | 305035761 | XXXXX | 01/09/2026 | Compliance | Missing Doc | Right of Rescission is Missing | Right of Rescission is Missing | Document Uploaded. | Right of Rescission is 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 | 01/09/2026 | D | A | D | A | D | A | D | A | D | A | D | A | |
| XXX | XXXXX | 305035761 | XXXXX | 01/09/2026 | Credit | Missing Doc | The Deed of Trust is Incomplete | The Deed of Trust is Incomplete Mortgage is missing the legal description "Exhibit A". | Document Uploaded. | Documentation is sufficient. Updated Deed of Trust provided. Exception resolved.; The Deed of Trust is Present and Complete | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/09/2026 | D | A | D | A | D | A | D | A | D | A | D | A | |
| XXX | XXXXX | 305035761 | XXXXX | 01/09/2026 | Property | Appraisal | Property/Appraisal General | Property/Appraisal guideline violation: Appraisal reflects a permitted rec room and a bedroom in the back of the garage. Appraiser to comment if this is an ADU as it has a sink, refrigerator, bathroom and the garage has the bedroom and advise if garage was completed in a workmanlike manner. If it's an ADU, appraisal to be updated to meet lenders guidelines for properties with an ADU. | No permanent cooking source in this living area-not an ADU. | Documentation is sufficient. Space is not an ADU. 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 | 01/09/2026 | C | A | C | A | C | A | C | A | C | A | C | A | |
| XXX | XXXXX | 305035654 | XXXXX | 01/07/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | informational | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 61.85% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 61.85% is less than Guideline LTV of 80% | Resolved | 01/07/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305035654 | XXXXX | 01/07/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | informational | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 61.85% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 61.85% is less than Guideline LTV of 80% | Resolved | 01/07/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305035654 | XXXXX | 01/07/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | informational | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 61.85% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 61.85% is less than Guideline LTV of 80% | Resolved | 01/07/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305035614 | XXXXX | 01/07/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | informational | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 01/07/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305035614 | XXXXX | 01/07/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | informational | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 01/07/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305035614 | XXXXX | 01/07/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | informational | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 01/07/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305035726 | XXXXX | 01/12/2026 | Credit | Missing Doc | Missing income documentation | Missing VRBO short term rental income documentation confirming DSCR calculation of XXX. DSCR subject to recalculation, upon receipt. | Document Uploaded. | Documentation provided is sufficient. Exception resolved. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 01/12/2026 | D | A | D | A | D | A | D | A | D | A | D | A | |
| XXX | XXXXX | 305035726 | XXXXX | 01/08/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 01/08/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305035726 | XXXXX | 01/08/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 01/08/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305035646 | XXXXX | 01/12/2026 | Credit | Missing Doc | Borrower 1 Credit Report is Missing | Borrower 1 Credit Report is Missing. Missing Credit Report for Borrower. | Document Uploaded. | Documentation provided is sufficient. Exception resolved. ; Borrower 1 Credit Report is not 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 | 01/12/2026 | D | A | D | A | D | A | D | A | D | A | D | A | |
| XXX | XXXXX | 305035646 | XXXXX | 01/08/2026 | 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 | 01/08/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305035646 | XXXXX | 01/08/2026 | 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 | 01/08/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305035643 | XXXXX | 01/08/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | Resolved | 01/08/2026 | A | A | A | A | A | A | A | A | A | A | A | A | |||
| XXX | XXXXX | 305035643 | XXXXX | 01/08/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | Resolved | 01/08/2026 | A | A | A | A | A | A | A | A | A | A | A | A | |||
| XXX | XXXXX | 305035643 | XXXXX | 01/08/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | Resolved | 01/08/2026 | A | A | A | A | A | A | A | A | A | A | A | A | |||
| XXX | XXXXX | 305035638 | XXXXX | 01/09/2026 | 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 68.16% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 68.16% is less than Guideline LTV of 80% | Resolved | 01/09/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305035638 | XXXXX | 01/09/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 68.16% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 68.16% is less than Guideline LTV of 80% | Resolved | 01/09/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305035638 | XXXXX | 01/09/2026 | 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 68.16% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 68.16% is less than Guideline LTV of 80% | Resolved | 01/09/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305035635 | XXXXX | 01/09/2026 | 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 | 01/09/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305035635 | XXXXX | 01/09/2026 | 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 | 01/09/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305035635 | XXXXX | 01/09/2026 | 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 | 01/09/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305035627 | XXXXX | 01/09/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | Resolved | 01/09/2026 | A | A | A | A | A | A | A | A | A | A | A | A | |||
| XXX | XXXXX | 305035627 | XXXXX | 01/09/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | Resolved | 01/09/2026 | A | A | A | A | A | A | A | A | A | A | A | A | |||
| XXX | XXXXX | 305035627 | XXXXX | 01/09/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | Resolved | 01/09/2026 | A | A | A | A | A | A | A | A | A | A | A | A | |||
| XXX | XXXXX | 305035616 | XXXXX | 01/09/2026 | 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. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 75% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 75% is less than Guideline LTV of 90% | Resolved | 01/09/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305035616 | XXXXX | 01/09/2026 | 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 75% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 75% is less than Guideline LTV of 90% | Resolved | 01/09/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305035616 | XXXXX | 01/09/2026 | 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 75% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 75% is less than Guideline LTV of 90% | Resolved | 01/09/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305035604 | XXXXX | 01/09/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 01/09/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305035604 | XXXXX | 01/09/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 01/09/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305035604 | XXXXX | 01/09/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 01/09/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305035602 | XXXXX | 01/13/2026 | Credit | Missing Doc | Purchase Contract is Incomplete | XXX is Purchase but Purchase Contract Doc is Incomplete Purchase contract reflects personal items included in the sales price: Includes all furniture. Missing addendum for the agent credit of XXX Per lender guidelines any personal property transferred through a property sale must be deemed to have zero transfer value, as indicated by the sales contract. If any value is associated with the personal property, the sales price and appraised value must be reduced by the personal XXX for purposes of calculating the LTV/CLTV/HCLTV. | Document Uploaded. | Documentation is sufficient. Addendum provided. Exception resolved.; Purchase Contract Doc is complete. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 01/13/2026 | B | A | B | A | B | A | B | A | B | A | B | A | |
| XXX | XXXXX | 305035602 | XXXXX | 01/09/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 01/09/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305035602 | XXXXX | 01/09/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 01/09/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305035831 | XXXXX | 01/14/2026 | Credit | Missing Doc | Missing Income - Bank Statements | Missing XXX XXX #XXX dated XX/XX/XXXX business Statement to properly calculate qualifying income. DTI subject to recalculation upon receipt. | Document Uploaded. | Documentation is sufficient. Bank Statement provided. Exception resolved. | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 85% | Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 85% | Resolved | 01/14/2026 | D | A | D | A | D | A | D | A | D | A | D | A | |
| XXX | XXXXX | 305035831 | XXXXX | 01/12/2026 | 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 FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 85% | Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 85% | Resolved | 01/12/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305035831 | XXXXX | 01/12/2026 | 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 FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 85% | Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 85% | Resolved | 01/12/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305035800 | XXXXX | 01/13/2026 | Credit | Missing Doc | Loan has escrow holdback. No proof it was released provided in file | Lender Exception in file for Escrow Holdback which is not allowed per Investor Guidelines. Lender Exception in file States to permit Escrow Holdback for roof replacement. Escrow is instructed is instructed to hold back $XXX from Sellers proceeds to apply towards the roof replacement. The remaining balance owed is to be paid directly by the borrower. Total cost not to exceed XXX based on estimate provided by XXXX (license #XXX). All work must be completed & warrantied by XXXX within XXX days of closing. Per Lender Exception: The appraiser did not indicate roof replacement in the appraisal. Roof is being replaced by choice, not by necessity. There are currently no health or safety issues present. Exception downgraded to a level 2/B. | Acknowledged | Yes | D | B | D | B | D | B | D | B | D | B | D | B | ||||
| XXX | XXXXX | 305035800 | XXXXX | 01/12/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | Resolved | 01/12/2026 | A | A | A | A | A | A | A | A | A | A | A | A | |||
| XXX | XXXXX | 305035800 | XXXXX | 01/12/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | Resolved | 01/12/2026 | A | A | A | A | A | A | A | A | A | A | A | A | |||
| XXX | XXXXX | 305035729 | XXXXX | 01/12/2026 | 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% | Resolved | 01/12/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305035729 | XXXXX | 01/12/2026 | 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% | Resolved | 01/12/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305035729 | XXXXX | 01/12/2026 | 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% | Resolved | 01/12/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305035644 | XXXXX | 01/14/2026 | Credit | Missing Doc | Business Purpose Affidavit/Disclosure Missing | Business Purpose Affidavit/Disclosure Missing An executed borrower Business Purpose not in the loan file. | Document Uploaded. | Documentation is sufficient. Business Purpose document provided. Exception resolved.; Business Purpose Affidavit/Disclosure Provided | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 01/14/2026 | D | A | D | A | D | A | D | A | D | A | D | A | |
| XXX | XXXXX | 305035644 | XXXXX | 01/12/2026 | 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% | Resolved | 01/12/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305035644 | XXXXX | 01/12/2026 | 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% | Resolved | 01/12/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305035765 | XXXXX | 01/13/2026 | 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 | 01/13/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305035765 | XXXXX | 01/13/2026 | 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 | 01/13/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305035765 | XXXXX | 01/13/2026 | 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 | 01/13/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305035699 | XXXXX | 01/13/2026 | 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 | 01/13/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305035699 | XXXXX | 01/13/2026 | 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 | 01/13/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305035699 | XXXXX | 01/13/2026 | 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 | 01/13/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305037807 | XXXXX | 03/05/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 03/05/2026 | A | A | A | A | A | A | A | A | A | A | A | A | |||
| XXX | XXXXX | 305037807 | XXXXX | 02/18/2026 | Compliance | Missing Doc | XXX Const, Art 16, § 50(a)(6)(M)(i) - XXX 50(a)(6) Notice for Home Equity Disclosure is not Provided | XXX Const, Art 16, § 50(a)(6)(M)(i) - XXX XXX(a)(XXX) Notice for Home Equity Disclosure is not Provided. Documentation Required: Evidence of date XXX XXX(a)(XXX) Notice for Home Equity Disclosure provided to Borrower | Document Uploaded. attached | XXX Const, Art 16, § 50(a)(6)(M)(i) - XXX XXX(a)(XXX) Notice for Home Equity Disclosure is Provided or Not Applicable. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/18/2026 | D | A | D | A | D | A | D | A | D | A | D | A | |
| XXX | XXXXX | 305037807 | XXXXX | 02/05/2026 | Credit | Eligibility | Borrower 1 Credit Report is Expired | Borrower 1 Credit Report is Expired (Greater than XXX days from the XXX). Credit report in file dated a few days after closing and there is not any new tradelines. | Document Uploaded. We have an LQI that was generated prior to XXX. ; Document Uploaded. | Borrower 1 Credit Report is not Expired.; LQ CR provided dated XX/XX/XXXX; CR dated XX/XX/XXXX provided does not satisfy condition. CR dated XX/XX/XXXX is dated after the XXX of XX/XX/XXXX. Original CR dated XX/XX/XXXX is expired. Countered. ; CR dated XX/XX/XXXX provided. ; Borrower 1 Credit Report is Expired (Greater than XXX days from the XXX). Credit report in file dated a few days after closing and there is not any new tradelines. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/05/2026 | C | A | C | A | C | A | C | A | C | A | C | A | |
| XXX | XXXXX | 305037765 | XXXXX | 02/05/2026 | Compliance | Points & Fees | XXX 209 CMR 32.35 Higher-Priced Mortgage Loan Test | This loan failed the XXX 209 CMR 32.35 higher-priced mortgage loan test. (XXX 209 CMR 32.35 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 hile the Code of XXX Regulations 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 XXX and appraisal requirements have been met. HPML Downgraded | HPML compliant | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/05/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305037765 | XXXXX | 02/05/2026 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established XXX and appraisal requirements have been met. HPML Downgraded | HPML compliant | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/05/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305037765 | XXXXX | 02/05/2026 | Compliance | TRID Tolerance | Lender Credits That Cannot Decrease Test | This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i) he loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits XXX does not exceed or equal the comparable sum of specific and non-specific lender credits ($XXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, copy of refund check, and proof of delivery or valid COC. The Lender credit decrease violation in the amount of XXX is due to the decrease of the Lender credit from XXX to XXX on the CD dated XX/XX/XXXX without valid COC. COC which indicates change occurred on XX/XX/XXXX is not valid. | Document Uploaded. Hi, due to a system glitch the CD never updated issue date on the CD dated XX/XX/XXXX but we have proof that the CD was issues XX/XX/XXXX and sent to the Borrower 1/XXX/XXX. Please see screenshot | Lender confirmed CD issue date was incorrect; Exception resolved; Lender confirmed CD issue date was incorrect; Exception resolved | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/05/2026 | C | A | C | A | C | A | C | A | C | A | C | A | |
| XXX | XXXXX | 305037765 | XXXXX | 02/02/2026 | Credit | Eligibility | Purchase is not considered to be an Arm's Length Transaction | Purchase is not considered to be an Arm's Length Transaction Borrower rented property from the seller for XXX years before purchasing the property. | Regarding the arms-length transaction.. here is no evidence of the borrowers having a direct relationship (familial or business) with the sellers. Per XX/XX/XXXX they were "renters purchasing from Landlord." | Purchase is considered to be an Arm's Length Transaction, or Not Applicable; Per client, "Regarding the arms-length transaction.. here is no evidence of the borrowers having a direct relationship (familial or business) with the sellers. Per XX/XX/XXXX they were "renters purchasing from Landlord." Rescinded. ; Purchase is not considered to be an Arm's Length Transaction Borrower rented property from the seller for XXX years before purchasing the property. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/02/2026 | C | A | C | A | C | A | C | A | C | A | C | A | |
| XXX | XXXXX | 305037765 | XXXXX | 01/29/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | HPML compliant; Informational | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/29/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305037590 | XXXXX | 01/29/2026 | Property | Data | No Property Findings | No property findings. Property and valuations related findings were not identified on the loan. | HPML compliant; Informational | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/29/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305037590 | XXXXX | 01/29/2026 | Credit | Data | No Credit Findings | No credit findings. The loan meets all applicable credit guidelines. | HPML compliant; Informational | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/29/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305037590 | XXXXX | 01/29/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | HPML compliant; Informational | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/29/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305037660 | XXXXX | 02/05/2026 | Compliance | TRID Tolerance | Lender Credits That Cannot Decrease Test | This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i) he loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits XXX does not exceed or equal the comparable sum of specific and non-specific lender credits ($XXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of XXX is due to decrease from XXX to XXX for the lender credit on CD XX/XX/XXXX. | Document Uploaded. ; Lender credits were cured at closing | PCCD provided confirms changes to payee; exception resolved; PCCD provided confirms changes to payee; exception resolved; Per the final CD in file, the XXX Title-Settlement Fee was paid by a third party and not paid by the lender. Please provide a valid COC for the lender credit decrease or cure package. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 36.71% is less than Guideline LTV of 70% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 36.71% is less than Guideline CLTV of 70% | Resolved | 02/05/2026 | C | A | C | A | C | A | C | A | C | A | C | A | |
| XXX | XXXXX | 305037660 | XXXXX | 01/29/2026 | Property | Data | No Property Findings | No property finding. Property and valuations related findings were not identified on the loan. | HPML compliant; Informational | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 36.71% is less than Guideline LTV of 70% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 36.71% is less than Guideline CLTV of 70% | Resolved | 01/29/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305037660 | XXXXX | 01/29/2026 | Credit | Data | No Credit Findings | No credit findings. The loan meets all applicable credit guidelines. | HPML compliant; Informational | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 36.71% is less than Guideline LTV of 70% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 36.71% is less than Guideline CLTV of 70% | Resolved | 01/29/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305037718 | XXXXX | 02/07/2026 | Compliance | Right to Rescind | TILA Right of Rescission Test | This loan failed the TILA right of rescission test losed-end (12 CFR §1026.23(a)(3), transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3), transferred from 12 CFR §226.15(a)(3) 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 §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. Documentation to clear: The funding date of XX/XX/XXXX is on or before the the third business day following consummation. Provide certified HUD1 Settlement Statement or evidence of actual disbursement date or PCCD, LOE, new signed ROR and re-opening of rescission is required. | 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. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 41.55% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 41.55% is less than Guideline LTV of 80% | Resolved | 02/07/2026 | C | A | C | A | C | A | C | A | C | A | C | A | |
| XXX | XXXXX | 305037718 | XXXXX | 02/02/2026 | Property | Appraisal | Property/Appraisal General | Property/Appraisal guideline violation: The subject Deed of Trust includes a PUD Rider. The Appraisal does not indicate that the property is a PUD. The XXX reflects HOA fees of XXX. | Document Uploaded. appraisal is showing PUD; appraisal does reflect PUD | Property/Appraisal Meets Guidelines; Client provided appraisal showing PUD. ; Countered. Discrepancy remains if property is a PUD or not. DOT and XXX reflect PUD however appraisal does not. Clarification needed. ; Property/Appraisal guideline violation: The subject Deed of Trust includes a PUD Rider. The Appraisal does not indicate that the property is a PUD. The XXX reflects HOA fees of XXX. | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 41.55% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 41.55% is less than Guideline LTV of 80% | Resolved | 02/02/2026 | C | A | C | A | C | A | C | A | C | A | C | A | |
| XXX | XXXXX | 305037718 | XXXXX | 02/02/2026 | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Audited DTI of XXX% exceeds Guideline DTI of XXX% Borrower income from Schedule C supports Lender income. Asset depletion taken from XXX diffferent accounts with different percentages of usage so income worksheet is not accurate. Audit compared all accounts against the Lender income worksheet. XXX of the XXX accounts support the Lender income. Account ending in XXX only has XXX Statements, they used the average of XXX months. Additionally the Lender 1003 reflects the asset depletion income as XXX the XXX reflects XXX Audit used most conservative figure. The Lender used XXX for the HOI escrow, Audit used $XXX. The DTI increased from XXX% to XXX%. | XXX. File is Alt Doc because we used W XXX income along with asset utilization to supplement the income. XXX. Account stmt with XXXX is a quarterly stmt so provided one quarter (Sept) and a year end stmt (Dec so XXX) to see the increase in the value but manually calculated the income from this asset as well so the total income is $XXX. XXX. Hazard insurance is a new policy so the one time fees charged by the insurance company did not get included in the premium of the policy as the actual premium is $XXX for qualification. | Audited DTI of XXX% is less than or equal to Guideline DTI of XXX%; Audited DTI of XXX% exceeds Guideline DTI of XXX% Borrower income from Schedule C supports Lender income. Asset depletion taken from XXX diffferent accounts with different percentages of usage so income worksheet is not accurate. Audit compared all accounts against the Lender income worksheet. XXX of the XXX accounts support the Lender income. Account ending in XXX only has XXX Statements, they used the average of XXX months. Additionally the Lender 1003 reflects the asset depletion income as XXX the XXX reflects XXX Audit used most conservative figure. The Lender used XXX for the HOI escrow, Audit used $XXX. The DTI increased from XXX% to XXX%. ; Audited DTI of XXX% exceeds Guideline DTI of XXX% Borrower income from Schedule C supports Lender income. Asset depletion taken from XXX diffferent accounts with different percentages of usage so income worksheet is not accurate. Audit compared all accounts against the Lender income worksheet. XXX of the XXX accounts support the Lender income. Account ending in XXX only has XXX Statements, they used the average of XXX months. Additionally the Lender 1003 reflects the asset depletion income as XXX the XXX reflects XXX Audit used most conservative figure. The Lender used XXX for the HOI escrow, Audit used $XXX. The DTI increased from XXX% to XXX%. | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 41.55% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 41.55% is less than Guideline LTV of 80% | Resolved | 02/02/2026 | C | A | C | A | C | A | C | A | C | A | C | A | |
| XXX | XXXXX | 305037718 | XXXXX | 02/02/2026 | Credit | Missing Doc | Approval/Underwriting Summary Partially Provided | Approval/Underwriting Summary Partially Provided. The Loan Approval reflects Asset Utilitization with DTI, but the majority of income is from schedule C so it should be Full Doc. | XXX. File is Alt Doc because we used W XXX income along with asset utilization to supplement the income. XXX. Account stmt with XXX is a quarterly stmt so provided one quarter (Sept) and a year end stmt (Dec so XXX) to see the increase in the value but manually calculated the income from this asset as well so the total income is $XXX. XXX. Hazard insurance is a new policy so the one time fees charged by the insurance company did not get included in the premium of the policy as the actual premium is $XXX for qualification. | Approval/Underwriting Summary is fully present; Resolved. Client Stated, File is Alt Doc because we used W XXX income along with asset utilization to supplement the income.; Resolved. File is Alt Doc because we used W XXX income along with asset utilization to supplement the income.; Approval/Underwriting Summary Partially Provided. The Loan Approval reflects Asset Utilitization with DTI, but the majority of income is from schedule C so it should be Full Doc. | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 41.55% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 41.55% is less than Guideline LTV of 80% | Resolved | 02/02/2026 | B | A | B | A | B | A | B | A | B | A | B | A | |
| XXX | XXXXX | 305037718 | XXXXX | 02/02/2026 | Credit | Missing Doc | Missing Income - Bank Statements | Part of the income used to qualify was asset utilization. The account ending in XXX only had XXX Statements, XXX dated XX/XX/XXXX, the dated XX/XX/XXXX. The Lender used a XXX month average on the other XXX accounts used so the file is missing the third bank Statement. | XXX. File is Alt Doc because we used W XXX income along with asset utilization to supplement the income. XXX. Account stmt with XXX is a quarterly stmt so provided one quarter (Sept) and a year end stmt (Dec so XXX) to see the increase in the value but manually calculated the income from this asset as well so the total income is $XXX. XXX. Hazard insurance is a new policy so the one time fees charged by the insurance company did not get included in the premium of the policy as the actual premium is $XXX for qualification. | Resolved. File is Alt Doc because we used W XXX income along with asset utilization to supplement the income. | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 41.55% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 41.55% is less than Guideline LTV of 80% | Resolved | 02/02/2026 | D | A | D | A | D | A | D | A | D | A | D | A | |
| XXX | XXXXX | 305037713 | XXXXX | 01/29/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | HPML compliant; Informational | Resolved | 01/29/2026 | A | A | A | A | A | A | A | A | A | A | A | A | |||
| XXX | XXXXX | 305037713 | XXXXX | 01/29/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | HPML compliant; Informational | Resolved | 01/29/2026 | A | A | A | A | A | A | A | A | A | A | A | A | |||
| XXX | XXXXX | 305037713 | XXXXX | 01/29/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | HPML compliant; Informational | Resolved | 01/29/2026 | A | A | A | A | A | A | A | A | A | A | A | A | |||
| XXX | XXXXX | 305037798 | XXXXX | 02/26/2026 | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Audited Reserves of XX/XX/XXXX month(s) are less than Guideline Required Reserves of XXX month(s) Insufficient assets for reserves required per guidelines of XXX months on all financed properties. Audit was unable to use any of the gift of equity funds towards the reserve requirements, as it is not allowed per lender guidelines. The only asset account that was in file was XXX #XXX with a balance of $XXX. | Document Uploaded. We are at XXX% on a NOO. Reserves are not required therefore no Additional reserves would be required for the other properties. We only require the reserves for additional properties if we need reserves to begin with based on the LTV. | Rescinded - Client States, "Hi, we are at XXX% on a NOO. Reserves are not required therefore no Additional reserves would be required for the other properties. We only require the reserves for additional properties if we need reserves to begin with based on the LTV." | Rescinded | C | A | C | A | C | A | C | A | C | A | C | A | |||
| XXX | XXXXX | 305037798 | XXXXX | 02/26/2026 | Credit | Assets | Audited Reserves are less than Guideline Required Reserves (Dollar Amount) | Audited Reserves of XXX are less than Guideline Required Reserves of $XXX. Insufficient assets for reserves required per guidelines of XXX months on all financed properties. Audit was unable to use any of the gift of equity funds towards the reserve requirements, as it is not allowed per lender guidelines. The only asset account that was in file was XXX XXXX #XXX with a balance of $XXX. | Document Uploaded. Hi, we are at XXX% on a NOO. Reserves are not required therefore no Additional reserves would be required for the other properties. We only require the reserves for additional properties if we need reserves to begin with based on the LTV. | Rescinded - Client States, "Hi, we are at XXX% on a NOO. Reserves are not required therefore no Additional reserves would be required for the other properties. We only require the reserves for additional properties if we need reserves to begin with based on the LTV." | Rescinded | C | A | C | A | C | A | C | A | C | A | C | A | |||
| XXX | XXXXX | 305037798 | XXXXX | 02/17/2026 | Credit | Eligibility | Purchase is not considered to be an Arm's Length Transaction | Purchase is not considered to be an Arm's Length Transaction Eligible non-arm's length transaction between borrower and daughter, letter of explanation in the file for reasons to purchase, a XXX month proof of payments of mortgage are in the file as well and a gift of equity letter in the file. Guidelines are met for this. | Please advise what is needed here. | Rescinded | C | A | C | A | C | A | C | A | C | A | C | A | ||||
| XXX | XXXXX | 305037798 | XXXXX | 02/13/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/13/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305037798 | XXXXX | 02/13/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/13/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305037702 | XXXXX | 03/11/2026 | Credit | Missing Doc | Missing VOM or VOR | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. Verification of Mortgage (VOM) Document is Missing. | Document Uploaded. | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing; Evidence provided. Payment History attached. | Original LTV is Below the Guideline Maximum - Calculated LTV of 59.07% is less than Guideline LTV of 75% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 59.07% is less than Guideline CLTV of 75% | 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 | 03/11/2026 | D | A | D | A | D | A | D | A | D | A | D | A | |
| XXX | XXXXX | 305037702 | XXXXX | 03/11/2026 | Compliance | TRID | Final CD: Calculating Cash to Close Adj. and Other Credits discrepancy | Missing CD to show assets to close of XXX to match the settlement Statement pg. XXX Borrower wire XXX to closing Agent. The final CD provided borrower to bring XXX to close | Document Uploaded. | ; Updated CD Provided. | Original LTV is Below the Guideline Maximum - Calculated LTV of 59.07% is less than Guideline LTV of 75% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 59.07% is less than Guideline CLTV of 75% | 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 | 03/11/2026 | C | A | C | A | C | A | C | A | C | A | C | A | |
| XXX | XXXXX | 305037702 | XXXXX | 02/25/2026 | Compliance | Right to Rescind | TILA Right of Rescission Test | This loan failed the TILA right of rescission test losed-end (12 CFR §1026.23(a)(3), transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3), transferred from 12 CFR §226.15(a)(3) 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 §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. Documentation required: The Disbursement date of XX/XX/XXXX is before the cancel date on the ROR listed as of XX/XX/XXXX. Proof of actual disbursement date is required to resolve or a cure package requires a PCCD, LOE, New ROR providing XXX days right to cancel. | Document Uploaded. | PCCD provided with updated disbursement date provided; exceltion resolved; PCCD provided with updated disbursement date provided; exceltion resolved | Original LTV is Below the Guideline Maximum - Calculated LTV of 59.07% is less than Guideline LTV of 75% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 59.07% is less than Guideline CLTV of 75% | 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 | 02/25/2026 | C | A | C | A | C | A | C | A | C | A | C | A | |
| XXX | XXXXX | 305037702 | XXXXX | 02/25/2026 | Compliance | TRID Tolerance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, copy of refund check and proof of delivery to the borrower or valid COC. The zero tolerance violation is due to the increase of Discount Points from XXX to XXX on the CD dated XX/XX/XXXX without valid COC. | Document Uploaded. | Valid COC provided; exception resolved; Valid COC provided; exception resolved | Original LTV is Below the Guideline Maximum - Calculated LTV of 59.07% is less than Guideline LTV of 75% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 59.07% is less than Guideline CLTV of 75% | 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 | 02/25/2026 | C | A | C | A | C | A | C | A | C | A | C | A | |
| XXX | XXXXX | 305037702 | XXXXX | 02/23/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | Original LTV is Below the Guideline Maximum - Calculated LTV of 59.07% is less than Guideline LTV of 75% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 59.07% is less than Guideline CLTV of 75% | 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 | 02/23/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305050390 | XXXXX | 03/05/2026 | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Audited DTI of XXX% exceeds Guideline DTI of XXX% Lender DTI XXX% Audit DTI XXX%. The Lender used the XXX month bank Statement program to qualify the Borrower. Audit excluded XXX more in deposits for the month of XXX XXX The Lender income worksheet reflects deposits of XXX for the month of XXX XXX however, the bank Statement reflects XXX in deposits for the month of XXX XXX Additionally, the Lender worksheet calculation includes deposits for XXX months. | Document Uploaded. we have exception from management I am attaching along with a new 1003/XXX. | Client provided Loan Exception Decision - "Exception request for the borrower's debt-to-income ratio exceeding the maximum allowable guideline has been reviewed and approved. Per program guidelines, the maximum permitted DTI is XXX% The borrower's DTI is XXX% exceeding the guideline by XXX%. Based on the borrower's significant reserves, low leverage, and outstanding credit profile, the increased DTI is considered acceptable within the overall risk framework." | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 41.5% is less than Guideline LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 41.5% is less than Guideline CLTV of 80% | Acknowledged | No | C | B | C | B | C | B | C | B | C | B | C | B | |
| XXX | XXXXX | 305050390 | XXXXX | 02/25/2026 | 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 LTV is Below the Guideline Maximum - Calculated LTV of 41.5% is less than Guideline LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 41.5% is less than Guideline CLTV of 80% | Resolved | 02/25/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305050390 | XXXXX | 02/25/2026 | 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. | Original LTV is Below the Guideline Maximum - Calculated LTV of 41.5% is less than Guideline LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 41.5% is less than Guideline CLTV of 80% | Resolved | 02/25/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305050650 | XXXXX | 03/12/2026 | Compliance | TRID Tolerance | Charges That Cannot Increase Test | TILA 130b 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 increase of the Appraisal Fee from XXX to XXX on the CD dated XX/XX/XXXX without valid COC. This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). | Document Uploaded. | Cure package provided to the borrower; exception downgraded to a 2/B; Cure package provided to the borrower; exception downgraded to a 2/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 | 305050650 | XXXXX | 03/05/2026 | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | The file does not contain an HOA Statement or a letter of no HOA for the properties located at XXX and XXX. | Document Uploaded. Both properties are SFR no hoa Statement available Property profiles attached to show sfr’s | Property details provided. 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 | 03/05/2026 | D | A | D | A | D | A | D | A | D | A | D | A | |
| XXX | XXXXX | 305050650 | XXXXX | 02/26/2026 | 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 | 02/26/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305037601 | XXXXX | 03/03/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | 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 68.54% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 68.54% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 03/03/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305037601 | XXXXX | 03/03/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | 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 68.54% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 68.54% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 03/03/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305037601 | XXXXX | 03/03/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | 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 68.54% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 68.54% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 03/03/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305050427 | XXXXX | 03/13/2026 | Credit | Insurance | HO6 Insurance Policy Effective Date is after the Note Date | HO-6 Insurance Policy Effective Date of XX/XX/XXXX is after the XXX of XX/XX/XXXX Please provide an updated hazard insurance policy with an effective date of XX/XX/XXXX. | updated, please clear | HO-6 Insurance Policy Effective Date of XX/XX/XXXX is prior to or equal to the Disbursement Date of XX/XX/XXXX Or HO-6 Insurance Policy Effective Date Is Not Provided; HOI provided dated XX/XX/XXXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 03/13/2026 | C | A | C | A | C | A | C | A | C | A | C | A | |
| XXX | XXXXX | 305050427 | XXXXX | 03/09/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | 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 | 03/09/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305050427 | XXXXX | 03/09/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | 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 | 03/09/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305066588 | XXXXX | 03/12/2026 | Compliance | Points & Fees | XXX AB 260 Higher-Priced Mortgage Loan Test | This loan failed the XXX AB 260 higher-priced mortgage loan test. (XXX AB 260, XXX Financial Code Division 1.9 4995(a))Using 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 XXX and appraisal requirements have been met. HPML Downgraded | HPML compliant | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 03/12/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305066588 | XXXXX | 03/12/2026 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established XXX and appraisal requirements have been met. HPML Downgraded | HPML compliant | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 03/12/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305066588 | XXXXX | 03/12/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 03/12/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305066588 | XXXXX | 03/12/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 03/12/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 304757057 | XXXXX | 07/08/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 07/08/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 304757057 | XXXXX | 07/08/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 07/08/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 304757057 | XXXXX | 07/08/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 07/08/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 304757060 | XXXXX | 07/09/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 80% | Resolved | 07/09/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 304757060 | XXXXX | 07/09/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 80% | Resolved | 07/09/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 304757060 | XXXXX | 07/09/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 80% | Resolved | 07/09/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305026146 | XXXXX | 01/14/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/14/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305026146 | XXXXX | 01/14/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/14/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305026146 | XXXXX | 01/07/2026 | Compliance | Missing Doc | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. Provide the e-consent dated on or prior to the earliest electronic signature XX/XX/XXXX. | Document Uploaded. This is a Pulte file - please see the Loan Application Printout in their files. Acceptance date is on page XXX Econsent is the final page(s). Please make a note of this for future files. | Evidence of eConsent is provided. | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/07/2026 | B | A | B | A | B | A | B | A | B | A | B | A | |
| XXX | XXXXX | 304907298 | XXXXX | 01/13/2026 | 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. The borrowers provided bank Statements with assets of $XXX. The CD reflected deposits totaling XXX and XXX in closing funds. The loan file contained documentation to source XXX of the deposits. The loan file contained a copy of the wire dated XX/XX/XXXX for $XXX; however, this was dated after the bank Statements provided. The borrower is short assets of XXX which includes an open XXX account with a balance of XXX and XXX months of reserves totaling $XXX. | Document Uploaded. Lender's rebuttal: Please see attached email LOX as it appears per our uw manager this is invalid. | Located 2nd half of EM and it is verified Prior to close. ; Funds are found to meet guidelines.; Loe provided, re analysis of assets | Rescinded | A | A | A | A | A | A | A | A | A | A | A | A | |||
| XXX | XXXXX | 304907298 | XXXXX | 01/13/2026 | 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; Investor acknowledges exception; Informational Only | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 01/13/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 304907298 | XXXXX | 01/13/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only; Investor acknowledges exception; Informational Only | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 01/13/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305013568 | XXXXX | 01/13/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/13/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305013568 | XXXXX | 01/13/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/13/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305013568 | XXXXX | 01/12/2026 | Credit | Missing Doc | Borrower 1 IRS Transcripts Missing | Borrower 1 IRS Transcripts Missing Tax transcript for XXX was not available at the time of review. | Document Uploaded. XXX Tax Transcripts | Borrower 1 IRS Transcripts Provided; XXX transcripts provided | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/12/2026 | D | A | D | A | D | A | D | A | D | A | D | A | |
| XXX | XXXXX | 304908679 | XXXXX | 01/22/2026 | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing Documentation required to clear exception: Please provide Affiliated Business Disclosure within XXX days of XXX XX/XX/XXXX or provide confirmation the lender has no affiliates. | Investor acknowledges exception. | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Acknowledged | No | B | B | B | B | B | B | B | B | B | B | B | B | ||
| XXX | XXXXX | 304908679 | XXXXX | 01/22/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 01/22/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 304908679 | XXXXX | 01/22/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 01/22/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305029621 | XXXXX | 02/06/2026 | Property | Appraisal | Property/Appraisal General | Property/Appraisal guideline violation: Vacant Refinances are ineligible per Lender guidelines, Appraisal pictures show majority of Units vacant and being renovated. Maximum XXX vacant units at time of origination, additional vacant units subject to exception approval Qualify using XXX% of market rent for vacant or down units. | Property under renovation, leases in place; Property/Appraisal Meets Guidelines; Property/Appraisal guideline violation: Vacant Refinances are ineligible per Lender guidelines, Appraisal pictures show majority of Units vacant and being renovated. Maximum XXX vacant units at time of origination, additional vacant units subject to exception approval Qualify using XXX% of market rent for vacant or down units. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 02/06/2026 | C | A | C | A | C | A | C | A | C | A | C | A | ||
| XXX | XXXXX | 305029621 | XXXXX | 02/06/2026 | Property | Third Party Valuation | Third Party Valuation Product Not Provided within 10% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Commercial BPO orCDA with variance not to exceed XXXof appraised value. Lower value to be used if variance exceeds XXX% Otherwise, appraisal value to be used. | Document Uploaded. BPO attached. | Third party valuation product provided within tolerance.; Client provided XXX Drive-by Commercial Sales & Income. LM Updated.; Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Commercial BPO orCDA with variance not to exceed XXXof appraised value. Lower value to be used if variance exceeds XXX% Otherwise, appraisal value to be used. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 02/06/2026 | C | A | C | A | C | A | C | A | C | A | C | A | |
| XXX | XXXXX | 305029621 | XXXXX | 02/06/2026 | Credit | Missing Doc | Title Document Missing | Escrow instructions signed by Title Agent. Closing Protection letter. | Document Uploaded. Closing instruction; Document Uploaded. Attached. Noted that this is XXX so they do Closing Authorization Letters instead of CPLs. | Title Document is fully Present; Closing instructions signed by escrow officer; Title Document is fully Present; Client provided NY Closing Authorization Letter from XXX Title. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 02/06/2026 | D | A | D | A | D | A | D | A | D | A | D | A | |
| XXX | XXXXX | 305029621 | XXXXX | 02/06/2026 | Credit | Missing Doc | Loan Agreement Missing | Missing loan agreement as required per guidelines or as referenced in the loan file. Executed copy required. | Document Uploaded. Attached | Loan Agreement Present; Client provided Loan and Security Agreement for XXX. LM Updated.; Missing loan agreement as required per guidelines or as referenced in the loan file. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 02/06/2026 | D | A | D | A | D | A | D | A | D | A | D | A | |
| XXX | XXXXX | 305029621 | XXXXX | 02/04/2026 | Credit | Missing Doc - Credit | Missing Business Entity Formation Document | Acceptable Articles of Incorporation are required. | Document Uploaded. Attached | Client provided Articles of Organization of XXX. Cleared. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 02/04/2026 | D | A | D | A | D | A | D | A | D | A | D | A | |
| XXX | XXXXX | 305029621 | XXXXX | 02/02/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 02/02/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305029621 | XXXXX | 02/02/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 02/02/2026 | A | A | A | A | A | A | A | A | A | A | A | A |