J.P. MORGAN ACCEPTANCE CORPORATION II ABS-15G

Exhibit 99.28

Seller Name

JPM Loan ID

Seller Loan ID

Exception ID

Exception ID Date

Condition Category

Condition Standardized Description

Condition ID

Initial Exception Grade

Final Exception Grade

Status

Condition Custom Description

Cleared Date

Compensating Factors

Lender Response

Comments

Loan Status

Moody's Initial Exception Grade

Moody's Final Exception Level Grade

Fitch Initial Exception Grade

Fitch Final Exception Level Grade

S&P Initial Exception Grade

S&P Final Exception Level Grade

Kroll Initial Exception Grade

Kroll Final Exception Level Grade

DBRS Initial Exception Grade

DBRS Final Exception Level Grade

(redacted)

304873832

(redacted)

1146317

10/22/2025

Credit

Final 1003 Application is Incomplete

APP 0002

Closed

Missing final Business Purpose Application as required per guidelines. The copy in the file dated (redacted) is not executed.

11/07/2025

Verified reserves - (redacted) months reserves or (redacted) required, (redacted) months reserves or (redacted) verified.; Verified credit history - FICO (redacted), minimum required (redacted);

11/07/2025 Agree, business purpose portion of the application is not applicable as the loan did not close in the name of a business. Loan and Guarantor portions of the applications have been received. - 11/07/2025 Agree, business purpose portion of the application is not applicable as the loan did not close in the name of a business. Loan and Guarantor portions of the applications have been received.

11/03/2025 Received Loan and Guarantor portions of the application. The application consists of three parts: Loan, Business Purpose, and Guarantor. Missing is the Business Purpose portion.

Funded

(redacted)

304873832

(redacted)

1146326

10/22/2025

Credit

Purchase Contract is Deficient

CRED 0085

Acknowledged

The parties who signed the purchase contract were not the owners/executors of the property. The purchase contract was signed by (redacted). The HUD reflects the sellers as (redacted), which matches title and (redacted) is the executor per the Executorship.

Verified reserves - (redacted) months reserves or (redacted) required, (redacted) months reserves or (redacted) verified.; Verified credit history - FICO (redacted), minimum required (redacted);

Mitigated Risk: 11/03/2025 EV2/B - Non-material, HUD was signed by the documented executor.

Non-material - HUD was signed by the documented executor.

Funded

(redacted)

304847670

(redacted)

1146728

10/24/2025

Compliance

Missing Final HUD-1

HUD 0001

Closed

Missing the final settlement statement.

10/27/2025

Verified reserves - (redacted) months of verified reserves when guidelines required (redacted) months.;

10/27/2025 Finding is cleared with the attached final settlement statement. - 10/27/2025 Finding is cleared with the attached final settlement statement.

Funded

(redacted)

304904499

(redacted)

1153783

12/10/2025

Compliance

Missing Notary on Mortgage/DOT

DEED 0022

Closed

Mortgage is missing the attached notary certification.

12/18/2025

Verified credit history - Middle Credit Scores (redacted) > (redacted) Minimum Required.; Verified housing payment history - Guarantor (redacted) credit report reflects one open mortgage satisfactorily rated (redacted) months.

Guarantor (redacted) credit report reflects one open mortgage satisfactorily rated (redacted) months.

Guarantor (redacted) credit report reflects one open mortgage satisfactorily rated (redacted) months.

Guarantor (redacted) credit report reflects one open mortgage satisfactorily rated (redacted) months.;

12/18/2025 Finding is partially cleared with the attached copy of the Mortgage with the notary certification for all guarantors. - 12/18/2025 Finding is partially cleared with the attached copy of the Mortgage with the notary certification for all guarantors.
12/12/2025 Finding is partially cleared with the attached copy of the Mortgage with the notary certification for (redacted). Still missing the notary certification for guarantor (redacted).
12/11/2025 Attached copy of the Mortgage only includes a notary certification for guarantor (redacted). Missing notary certification for all guarantors.

Funded

(redacted)

304904499

(redacted)

1153797

12/10/2025

Credit

Initial 1003 Application is Incomplete

APP 0004

Closed

Loan file is missing the initial (redacted), (redacted).

01/15/2026

01/15/2026 Finding is cleared with the attached copy of the initial application signed by (redacted) post-consummation. - 01/15/2026 Finding is cleared with the attached copy of the initial application signed by (redacted) post-consummation.

Funded

(redacted)

304904499

(redacted)

1153799

12/10/2025

Property

Appraisal is Incomplete

APPR 0002

Closed

Contract Section of the Appraisal Report is not fully completed by the (redacted). (redacted) does not indicate if the purchase agreement was analyzed. Borrowers are purchasing (redacted) properties from the seller under a single contract.

12/18/2025

12/18/2025 Finding is cleared with the attached updated appraisal. (redacted) confirms arms length transaction. - 12/18/2025 Finding is cleared with the attached updated appraisal. Appraisers confirms arms length transaction.

Funded

(redacted)

304904499

(redacted)

1153821

12/10/2025

Credit

Credit Documentation is Insufficient

CRED 0093

Acknowledged

Missing VOM. Per guidelines, (redacted) on all owned real estate.

Missing VOM for (redacted).

Missing CD for concurrent purchase, (redacted)

Missing CD for concurrent purchase, (redacted)

Missing CD for concurrent purchase, (redacted)

12/15/2025 - Still missing:

Missing Final CD/Settlement Statement for concurrent purchase, (redacted)

Missing Final CD/Settlement Statement for concurrent purchase, (redacted)

Missing Final CD/Settlement Statement for concurrent purchase, (redacted)

*NOTE: Mortgage statement in file for (redacted) satisfactorily documents mortgage payment history from (redacted). Property verified as acquired (redacted) via property report in file, thus no additional documentation required for this property.

01/05/2026 EV2/B - Received post-consummation dated CD,  (redacted). Note: All other parts of the original finding were previously satisfied.
12/18/2025 Recd settlement statement for  (redacted) and seller CD for (redacted). Wet signed CD can be accepted for non-subject REO, non-final based on the disbursement date being prior to date the loan documents were executed. Missing estimated CD/Settlement Statement for concurrent purchase,  (redacted) indicated to not have closed. NOTE: Mortgage statement in file,  (redacted), documents a satisfactory mortgage rating since acquisition (redacted) to  (redacted), thus no additional documentation for this property is required.
12/12/2025 Recd settlement statement for  (redacted) and seller CD for  (redacted). -- Finding remains. Settlement statement for (redacted) does not appear to be final. The disbursement date of  (redacted) is prior to the transaction date of  (redacted). Guarantor  (redacted) did not sign the loan documents until  (redacted).
1) Missing VOM for  (redacted).
2) Missing Final CD for concurrent purchase,  (redacted)
3) Missing Final CD for concurrent purchase,  (redacted)
4) Missing Final CD for concurrent purchase,  (redacted)
All final settlement statements should be signed by all (redacted) guarantors as required per guidelines.
12/11/2025 Recd settlement statement for  (redacted) and seller CD for  (redacted). -- Finding remains. Settlement statement for  (redacted) does not appear to be final. The disbursement date of  (redacted) is prior to the transaction date of  (redacted). Still missing:
1) Missing VOM for  (redacted).
2) Missing CD for concurrent purchase, (redacted)
3) Missing CD for concurrent purchase,  (redacted)
4) Missing CD for concurrent purchase,  (redacted)

Funded

(redacted)

304904499

(redacted)

1153828

12/10/2025

Credit

Missing Letter of Explanation

CRED 0104

Acknowledged

Missing credit inquiry letter.

12/17/2025 Finding re-reviewed and cleared. DSCR loan, thus any new liabilities would not have a material impact on the loan. - 12/17/2025 EV2/B - DSCR loan, thus any new liabilities would not have a material impact on the loan.

Funded

(redacted)

304904499

(redacted)

1153834

12/10/2025

Credit

Entity Documentation is Insufficient

CRED 0143

Acknowledged

Missing Articles of Incorporation and Corporate Resolution,(redacted). -- Per guidelines, (redacted) as Mortgagor: Copy of filed articles of organization to evidence the existence of the (redacted). Corporate Resolution from the board to authorize the taking out of debt in the (redacted) name

12/17/2025 EV2/B - Investor accepts the certificate of status to evidence existence of the (redacted) in lieu of the Articles of Incorporation, and use of executed Note to document all owners authorization to take out new debt in lieu of a Corporate Resolution. - 12/17/2025 EV2/B - Investor accepts the certificate of status to evidence existence of the (redacted) in lieu of the Articles of Incorporation, and use of executed Note to document all owners authorization to take out new debt in lieu of a Corporate Resolution.

Funded

(redacted)

304904499

(redacted)

1155521

12/18/2025

Property

Health and Safety Issue

PROP 0005

Closed

New - Based upon review of APPR 0002. Exterior photo of the subject shows a broken skirt board under the upstairs balcony. Missing confirmation from the (redacted) that the broken board does not pose any health or safety issues with estimated cost to repair.

12/30/2025

12/30/2025 Finding is cleared with the attached updated appraisal. Per (redacted), "There is a broken board on the upper balcony (see photo) The broken board does not pose any health or safety issues. Cost to repair- (redacted)". - 12/30/2025 Finding is cleared with the attached updated appraisal. Per appraiser, "There is a broken board on the upper balcony (see photo) The broken board does not pose any health or safety issues. Cost to repair- (redacted)".

Funded

(redacted)

304904500

(redacted)

1153839

12/10/2025

Compliance

Missing Notary on Mortgage/DOT

DEED 0022

Closed

Mortgage is missing the attached notary certification.

12/12/2025

Verified housing payment history - Guarantor (redacted) credit report reflects one open mortgage satisfactorily rated (redacted) months.

Guarantor (redacted) credit report reflects one open mortgage satisfactorily rated (redacted) months.

Guarantor (redacted) credit report reflects one open mortgage satisfactorily rated (redacted) months.

Guarantor (redacted) credit report reflects one open mortgage satisfactorily rated (redacted) months.; Verified credit history - Middle Credit Scores (redacted) > (redacted) Minimum Required.;

12/12/2025 Finding is cleared with the attached copy of the executed Mortgage with notary certification for all guarantors. - 12/12/2025 Finding is cleared with the attached copy of the executed Mortgage with notary certification for all guarantors.
12/12/2025 Finding is partially cleared with the attached Mortgage with notary certification (redacted). Still missing notary certification (redacted).

Funded

(redacted)

304904500

(redacted)

1153840

12/10/2025

Credit

Entity Documentation is Insufficient

CRED 0143

Acknowledged

Funded

(redacted)

304904500

(redacted)

1153842

12/10/2025

Credit

Credit Documentation is Insufficient

CRED 0093

Acknowledged

Missing VOM. Per guidelines, (redacted) on all owned real estate.

Missing VOM for (redacted),

Missing CD for concurrent purchase, (redacted)

Missing CD for concurrent purchase, (redacted)

Missing CD for concurrent purchase, (redacted)

01/06/2026 EV2/B - Received post-consummation dated CD for purchase transaction,  (redacted) to support the disclosed mortgage and payment on the application. The loan is a DSCR, thus post-consummation dated documentation on non-subject REO is deemed non-material. All prior parts of the original finding were previously cleared.
01/05/2026 Received settlement statement,  (redacted) -- Missing estimated CD/Settlement Statement for concurrent purchase,  (redacted) indicated to not have closed. All other part of the exception were previously cleared.
12/18/2025 Recd settlement statement for (redacted). Wet signed CD can be accepted for non-subject REO, non-final based on the disbursement date being prior to date the loan documents were executed. Missing estimated CD/Settlement Statement for concurrent purchase, (redacted) indicated to not have closed. NOTE: Mortgage statement in file,  (redacted), documents a satisfactory mortgage rating since acquisition  (redacted) to  (redacted), thus no additional documentation for this property is required.
12/12/2025 Recd CD,  (redacted), and settlement statement,  (redacted) -- Finding remains. Settlement statement for  (redacted) does not appear to be final. The disbursement date of  (redacted) is prior to the transaction date. Guarantor  (redacted) didn't sign the loan documents until  (redacted).

1) Missing VOM for  (redacted).
2) Missing CD for concurrent purchase,  (redacted)
3) Missing CD for concurrent purchase, (redacted)

Funded

(redacted)

304904500

(redacted)

1153843

12/10/2025

Credit

Missing Letter of Explanation

CRED 0104

Acknowledged

Missing credit inquiry letter.

12/17/2025 EV2/B - DSCR loan, thus any new liabilities would not have a material impact on the loan.

Funded

(redacted)

304904500

(redacted)

1153846

12/10/2025

Credit

Initial 1003 Application is Incomplete

APP 0004

Closed

Loan file is missing the initial (redacted), (redacted).

01/15/2026

01/15/2026 Finding is cleared with the attached copy of guarantor, (redacted), initial (redacted) signed post-consummation. - 01/15/2026 Finding is cleared with the attached copy of guarantor, (redacted), initial (redacted) signed post-consummation.

Funded

(redacted)

304904500

(redacted)

1153868

12/10/2025

Property

Appraisal is Incomplete

APPR 0002

Closed

Contract Section of the Appraisal Report is not fully completed by the (redacted). (redacted) does not address whether the transaction is arms-length or the fact that the borrowers are purchasing (redacted) properties from the seller under a single contract.

12/18/2025

12/18/2025 Finding is cleared with the attached updated appraisal. (redacted) confirms arms length transaction.

- 12/18/2025 Finding is cleared with the attached updated appraisal. Appraisers confirms arms length transaction.

Funded

(redacted)

304904500

(redacted)

1153880

12/10/2025

Compliance

Loan disbursed prior to loan transaction date.

CRED 0121

Closed

Missing a copy of the final settlement or CD executed by all guarantors. Settlement statements in file reflect a disbursement date of (redacted), but the guarantor (CD) did not execute the loan documents until (redacted). -- Per guidelines, All (redacted) authorized signers (non-guarantors) must sign the following documents: HUD

01/09/2026

01/09/2026 Finding is cleared with the attached ledger showing the loan proceeds were not disbursed until after the loan documentation was signed by all guarantors. (redacted) is a wet-funding state so the CD signed is considered the final CD. - 01/09/2026 Finding is cleared with the attached ledger showing the loan proceeds were not disbursed until after the loan documentation was signed by all guarantors. (redacted) is a wet-funding state so the CD signed is considered the final CD.
12/18/2025 The settlement agent should have a copy of the final settlement statement reflecting the date the loan proceeds were disbursed.

Funded

(redacted)

304904498

(redacted)

1154043

12/11/2025

Compliance

Loan disbursed prior to loan transaction date.

CRED 0121

Closed

Missing a copy of the final settlement or CD executed by all guarantors. Settlement statements in file reflects a disbursement date of (redacted), but the guarantor (CD) did not execute the loan documents until (redacted). -- Per guidelines, All (redacted) authorized signers (non-guarantors) must sign the following documents: HUD

01/09/2026

Funded

(redacted)

304904498

(redacted)

1154059

12/11/2025

Credit

Missing Letter of Explanation

CRED 0104

Acknowledged

Missing credit inquiry letter.

12/17/2025 EV2/B - DSCR loan, thus any new liabilities would not have a material impact on the loan.

Funded

(redacted)

304904498

(redacted)

1154061

12/11/2025

Credit

Entity Documentation is Insufficient

CRED 0143

Acknowledged

Missing Articles of Incorporation and Corporate Resolution, (redacted). -- Per guidelines, (redacted) as Mortgagor: Copy of filed articles of organization to evidence the existence of the (redacted). Corporate Resolution from the board to authorize the taking out of debt in the (redacted) name.

Funded

(redacted)

304904498

(redacted)

1154062

12/11/2025

Property

Appraisal is Incomplete

APPR 0002

Closed

Contract Section of the Appraisal Report is not fully completed by the appraiser. (redacted) does not address whether the transaction is arms-length or the fact that the borrowers are purchasing (redacted) properties from the seller under a single contract.

12/18/2025

Funded

(redacted)

304904498

(redacted)

1154064

12/11/2025

Credit

Credit Documentation is Insufficient

CRED 0093

Acknowledged

01/05/2026 EV2/B - Received post-consummation dated CD, (redacted). Note: All other parts of the original finding were previously satisfied.
12/18/2025 Recd non-final settlement statement for (redacted) and CD for (redacted). Non-final settlement statement can be accepted for non-subject REO, non-final based on the disbursement date being prior to date the loan documents were executed. Missing estimated CD/Settlement Statement for concurrent purchase, (redacted) indicated to not have closed. NOTE: Mortgage statement in file, (redacted), documents a satisfactory mortgage rating since acquisition (redacted) to (redacted), thus no additional documentation for this property is required.

Funded

(redacted)

304904501

(redacted)

1157694

01/05/2026

Credit

Missing Final 1003 Application

APP 0001

Closed

Missing final applications for all four borrowers.

01/06/2026

01/06/2026 Finding is cleared with the attached copy of the final applications. - 01/06/2026 Finding is cleared with the attached copy of the final applications.

Funded

(redacted)

304904501

(redacted)

1157855

01/06/2026

Compliance

Loan disbursed prior to loan transaction date.

CRED 0121

Closed

Missing the final settlement statement with actual disbursement date. CD was not signed by (redacted) until (redacted) but the CD reflects a disbursement date of (redacted).

01/09/2026

Funded

(redacted)

304904501

(redacted)

1157856

01/06/2026

Compliance

Missing Notary on Mortgage/DOT

DEED 0022

Closed

Missing notary for (redacted). Notary page reflects all qualifying guarantors signing (redacted), however (redacted) signed at a later date (redacted).

01/09/2026

01/09/2026 Finding is cleared with the attached Mortgage that includes all notary acknowledgments. - 01/09/2026 Finding is cleared with the attached Mortgage that includes all notary acknowledgments.
01/06/2026 Finding is partially cleared with the attached notary acknowledgment for (redacted). Still missing notary acknowledgement for (redacted) dated (redacted).

Funded

(redacted)

305035832

(redacted)

1159671

01/13/2026

Credit

Missing Copy of Unexpired, Government-issued ID

CRED 0105

Closed

Missing copy of the qualifying guarantors unexpired government issued ID's. -- GL requires, Copy of state issued ID for all Qualifying Guarantors.

01/14/2026

Verified credit history - Middle Credit Scores (redacted) / (redacted) > (redacted) Minimum Required.; Verified housing payment history - Qualifying guarantor, (redacted), credit report confirms (redacted) months satisfactory mortgage rating on primary residence. VOM for subject property confirms (redacted) months satisfactory mortgage rating.; Verified reserves - (redacted) months verified reserves > (redacted) months required.;

01/14/2026 Finding is cleared with the attached copies of the borrowers unexpired state issued drivers licenses. - 01/14/2026 Finding is cleared with the attached copies of the borrowers unexpired state issued drivers licenses.

Funded

(redacted)

305035832

(redacted)

1159673

01/13/2026

Credit

Final 1003 Application is Incomplete

APP 0002

Acknowledged

Missing, (redacted), executed final guarantor application.

02/27/2026 EV2/B Finding is downgraded with the attached post consummation dated application for the co-guarantor. - 02/27/2026 EV2/B Finding is downgraded with the attached post consummation dated application for the co-guarantor.
02/20/2026 Attached initial application is dated prior to the transaction application date. Missing, (redacted), executed final guarantor application.

Funded

(redacted)

305035832

(redacted)

1159692

01/13/2026

Credit

Entity Documentation is Insufficient

CRED 0143

Closed

Missing Certificate of Good Standing and Operating Agreement, (redacted). -- Guidelines require,

Articles of Organization/Formation, Current Operating Agreement, Certificate of Good Standing, (redacted) Letter or Executed (redacted).

01/22/2026

01/22/2026 Finding is cleared with the attached copy of the operating agreement and fraud report that includes corporate filing report confirming the business status is active. - 01/22/2026 Finding is cleared with the attached copy of the operating agreement and fraud report that includes corporate filing report confirming the business status is active.

Funded

(redacted)

305035832

(redacted)

1159696

01/13/2026

Credit

Missing evidence of property management experience

CRED 0039

Closed

Missing evidence of property management experience. Loan file is missing a copy of the property management agreement indicated to have been approved (redacted).

01/22/2026

01/22/2026 Finding is cleared with the attached property management agreement. - 01/22/2026 Finding is cleared with the attached property management agreement.

Funded

(redacted)

305039473

(redacted)

1163237

02/04/2026

Credit

Income Documentation is Insufficient

CRED 0082

Closed

Business narrative is not signed by the borrower.

03/16/2026

Low LTV/CLTV/HCLTV - (redacted) LTV < (redacted) Max Allowed for Rural Property.; Low DTI - (redacted) DTI < (redacted) Max Allowed.;

03/16/2026 Received borrower signed business narrative. - 03/16/2026 Received borrower signed business narrative.

Funded

(redacted)

305039473

(redacted)

1163261

02/04/2026

Credit

Missing Letter of Explanation

CRED 0104

Closed

Missing credit inquiry letter: (redacted)

03/16/2026

Low LTV/CLTV/HCLTV - (redacted) LTV < (redacted) Max Allowed for Rural Property.; Low DTI - (redacted) DTI < (redacted) Max Allowed.;

03/16/2026 Received borrower signed credit inquiry letter. - 03/16/2026 Received borrower signed credit inquiry letter.

Funded

(redacted)

305039473

(redacted)

1163264

02/04/2026

Credit

Missing Employment doc (VOE)

CRED 0007

Acknowledged

Missing (redacted) letter, (redacted), or (redacted) employment letter, (redacted), confirming self-employment within (redacted) days of the Note date of (redacted). (redacted) and employment letters in file are dated > (redacted) days. Borrower is a (redacted) employee, thus printout from the employers website does not satisfactorily confirm the existence of the borrowers self-employment business.

Low LTV/CLTV/HCLTV - (redacted) LTV < (redacted) Max Allowed for Rural Property.; Low DTI - (redacted) DTI < (redacted) Max Allowed.;

03/16/2026 EV2/B - Finding is downgraded with the attached post-consummation dated VOE from (redacted) employer confirming active employment, which is in support of the pre-consummation dated (redacted) letter and (redacted) VOE in file.
03/03/2026 Attached (redacted) letter does not confirm the business is active, only that the (redacted) prepared the (redacted) tax return.

Funded

(redacted)

305047456

(redacted)

1164792

02/10/2026

Credit

Payoff/Demand Statement has a discrepancy in the data

DMND 0002

Closed

Missing updated payoff statement. Payoff of (redacted) at closing on (redacted) < (redacted) payoff quote good thru (redacted).

03/03/2026

Low LTV/CLTV/HCLTV - (redacted) LTV < (redacted) Max Allowed.; Verified credit history - Middle Credit Score (redacted) > (redacted) Minimum Required.; Verified reserves - (redacted) Months Verified Reserves > (redacted) Months Required.;

03/03/2026 Finding is cleared with the attached payoff that includes the adjustment for the current escrow balance, new payoff (redacted). - 03/03/2026 Finding is cleared with the attached payoff that includes the adjustment for the current escrow balance, new payoff (redacted).

Funded

(redacted)

305047456

(redacted)

1164799

02/10/2026

Credit

Missing Sufficient Evidence of Insurance

INS 0001

Closed

Missing evidence of insurance with (redacted) reflected as mortgagee (redacted), (redacted)

03/06/2026

03/06/2026 Finding is cleared with the updated EOI. Liability coverage > (redacted) is required for mixed-use properties, not multi family (redacted) units. - 03/06/2026 Finding is cleared with the updated EOI. Liability coverage >  (redacted) is required for mixed-use properties, not multi family  (redacted) units.
03/03/2026 Received updated EOI. - Finding remains. Missing EOI reflecting lender and loan number. Updated liability exposure was updated on  (redacted) to  (redacted) <  (redacted) required.
02/19/2026 Attached policy change endorsement reflects the correct lender, but the loan number, (redacted), is inaccurate. Actual loan number is  (redacted).

Funded

(redacted)

305047456

(redacted)

1164801

02/10/2026

Credit

Missing Evidence of Verified Property Tax and / or Homeowners Insurance Information

CRED 0103

Closed

Missing documented property tax on the improved value of the subject property. Per appraiser, Guarantor purchased the (redacted) acre vacant site (redacted) for (redacted). The site was been subdivided into (redacted) tracts and the subject tract improved with an apartment building. Final DSCR calculation is pending verification of property taxes on the improved value.

03/05/2026

03/05/2026 Finding is cleared the attached tax search using the parcel ID which confirms the (redacted) tax was based on the improved value. - 03/05/2026 Finding is cleared the attached tax search using the parcel ID which confirms the (redacted) tax was based on the improved value.

Funded

(redacted)

305047456

(redacted)

1164836

02/10/2026

Credit

Guideline Exception(s)

GIDE 0001

Closed

Building coverage of (redacted) is based on the actual cash value (redacted). -- Per guidelines, (redacted) of the insurable value of improvements, as established by the property insurer is required.

03/03/2026

03/03/2026 Finding is cleared with the attached policy change endorsement, valuation was changed from ACV to Replacement Cost with coverage increased to (redacted). - 03/03/2026 Finding is cleared with the attached policy change endorsement, valuation was changed from ACV to Replacement Cost with coverage increased to (redacted).

Funded

(redacted)

305047456

(redacted)

1164846

02/10/2026

Credit

Entity Documentation is Insufficient

CRED 0143

Closed

Missing certificate of good standing, (redacted), as required per guidelines.

02/13/2026

02/13/2026 Finding is cleared with the attached (redacted), active business status. - 02/13/2026 Finding is cleared with the attached (redacted), active business status.

Funded

(redacted)

305047456

(redacted)

1164855

02/10/2026

Credit

Unacceptable transaction type

CRED 0044

Closed

Missing settlement statement for prior refinance transaction with (redacted). The borrower closed on prior loan with the same lender on (redacted). Review is unable to determine purpose of the no cost refinance, interest rate reduced from (redacted).

03/03/2026

03/03/2026 Lender confirmed rate/term refinance was completed to cure compliance issues identified on the prior loan, borrower was provided (redacted) interest rate reduction. Settlement statement for prior transaction previously provided. - 03/03/2026 Lender confirmed rate/term refinance was completed to cure compliance issues identified on the prior loan, borrower was provided  (redacted) interest rate reduction. Settlement statement for prior transaction previously provided.
02/19/2026 Lender to provide reason for subject transaction refinance with only  (redacted) interest rate reduction.
02/13/2026 Finding is partially cleared with the attached settlement statement, prior transaction was cash out refinance. Lender to provide reason for refinance with only  (redacted) interest rate reduction.

Funded

(redacted)

305047456

(redacted)

1164861

02/10/2026

Compliance

File Documentation is Incomplete (Compliance)

COMP 0047

Closed

All loan documents have the incorrect date of (redacted) instead of (redacted). The Note and Deed of Trust were redrawn with the correct date and signed by the guarantor, but all other documents reflect the incorrect date:

(redacted)

02/13/2026

02/13/2026 Received the following documents (redacted):
Note
DOT
1003
Security Agreement
Guaranty
Compliance Agreement
Hazard Insurance Disclosure
Arbitration Agreement
Conditional Loan Approval
ECOA Disclosure
Certificate of NOO
Anti-Money Laundering
Signature Affidavit
Business Purpose Certification
Environmental Agreement
Entity Certificate

- 02/13/2026 Received the following documents 1/28/2026:
Note
DOT
(redacted)
Security Agreement
Guaranty
Compliance Agreement
Hazard Insurance Disclosure
Arbitration Agreement
Conditional Loan Approval
ECOA Disclosure
Certificate of NOO
Anti-Money Laundering
Signature Affidavit
Business Purpose Certification
Environmental Agreement
Entity Certificate

Funded

(redacted)

305047456

(redacted)

1164863

02/10/2026

Compliance

Scrivener's Error

DEED 0050

Acknowledged

Note, DOT, Guaranty Agreement are all print dated (redacted) vs (redacted).

03/05/2026 Finding is downgraded with the attached copy of the recorded corrected Deed of Trust.
02/19/2026 The maturity date of (redacted) on the corrected DOT dated (redacted) is inaccurate. Actual maturity date per the corrected note dated (redacted) is (redacted). -- Finding remains. Missing scriveners error affidavit.
02/13/2026 Escalated for review.

Funded

(redacted)

305046174

(redacted)

1168571

02/25/2026

Credit

Missing Hazard Insurance Certification Number

HAZ 0003

Closed

Missing (redacted) insurance certification number; only a binder provided (redacted).

02/27/2026

02/27/2026 Finding is cleared with the attached EOI. - 02/27/2026 Finding is cleared with the attached EOI.

Funded

(redacted)

305046174

(redacted)

1168801

02/25/2026

Credit

Entity Documentation is Insufficient

CRED 0143

Closed

Missing the following entity documents required by guidelines:

Correction Agreement

Letter from borrowers confirming that the (redacted) was created to manage real estate.

02/27/2026

02/27/2026 Finding is cleared with the attached articles of organization that shows nature of business as being, lessors of residential buildings and dwellings. - 02/27/2026 Finding is cleared with the attached articles of organization that shows nature of business as being, lessors of residential buildings and dwellings.
02/27/2026 Finding is partially cleared with the attached correction agreement. Still missing letter from borrowers confirming that the (redacted)was created to manage real estate.

Funded

(redacted)

305050819

(redacted)

No Finding

Funded

(redacted)

305053771

(redacted)

1170090

03/04/2026

Compliance

No proof borrower(s) can receive documents via the electronic method as intended

TRID 0135

Closed

Missing eConsent. E-Sign Disclosure / Tracking Documents are not in file. Documents are executed electronically.

03/06/2026

03/06/2026 Finding is cleared with the attached disclosure tracking documenting the eConsent date of (redacted). - 03/06/2026 Finding is cleared with the attached disclosure tracking documenting the eConsent date of (redacted).
03/05/2026 Attached (redacted) reflects an acceptance date of (redacted). Missing is the initial eConsent date. Initial disclosures date (redacted) were electronically signed.

Funded

(redacted)

305053771

(redacted)

1170206

03/04/2026

Credit

Missing Employment doc (VVOE)

CRED 0006

Closed

Missing (redacted) present employer VOE. Per (redacted), obtain a (redacted)-day pre-closing verification ((redacted)-day PCV) for (redacted) employment income dated no more than (redacted) business days before the note date.

03/05/2026

03/05/2026 Finding is cleared with the attached (redacted) resubmission. - 03/05/2026 Finding is cleared with the attached (redacted) resubmission.

Funded

(redacted)

305056987

(redacted)

No Finding

Funded