J.P. MORGAN ACCEPTANCE CORPORATION II ABS-15G
Exhibit 99.8
| 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 | 304897102 | FCOM3849 | 12/18/2025 | Compliance | Disclosure | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). Documentation required to clear exception: Evidence confirming a copy of the appraisal was provided to the consumer at least XXX business days prior to the consummation date. Documentation in file verifies appraisal delivered to Borrowers on XX/XX/XXXX with consummation date of XX/XX/XXXX. Appraisal delivery waiver can also clear exception. | Appraisal Disclosure; Appraisal Acknowledgement; Proof appraisal sent to borrower | Evidence of appraisal delivery provided.; Exception remains. Appraisal acknowledgement provided but without a appraisal timing waiver disclosure executed by the borrower prior to consummation, unable to resolve the exception. ; Documentation in file verifies appraisal delivered to Borrowers on XX/XX/XXXX with consummation date of XX/XX/XXXX. provide documentation to show the borrower waived their right to receive the appraisal at least XXX days prior to consummation; Documentation in file verifies appraisal delivered to Borrowers on XX/XX/XXXX with consummation date of XX/XX/XXXX. provide documentation to show the borrower waived their right to receive the appraisal at least XXX days prior to consummation | 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 79.38% is less than Guideline LTV of 89.99% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 79.38% is less than Guideline CLTV of 89.99% | Resolved | 12/18/2025 | B | A | B | A | B | A | B | A | B | A | B | A | |
| XXX | XXXXX | 304897102 | FCRE1182 | 12/04/2025 | Credit | Missing Doc | Approval/Underwriting Summary Not Provided | Missing Approval/Underwriting Summary. Lender approval or underwriting summary is missing. | Underwriting Approval Form | Documentation is sufficient. Approval provided. Exception resolved.; Approval/Underwriting Summary is fully present | 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 79.38% is less than Guideline LTV of 89.99% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 79.38% is less than Guideline CLTV of 89.99% | Resolved | 12/04/2025 | B | A | B | A | B | A | B | A | B | A | B | A | |
| XXX | XXXXX | 304897102 | FPRO8998 | 11/26/2025 | 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 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 79.38% is less than Guideline LTV of 89.99% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 79.38% is less than Guideline CLTV of 89.99% | Resolved | 11/26/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 304869259 | FCRE8999 | 11/26/2025 | Credit | Data | No Credit Findings | 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 | 11/26/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 304869259 | FCOM8997 | 11/26/2025 | 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 | Resolved | 11/26/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 304869259 | FPRO8998 | 11/26/2025 | 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 | Resolved | 11/26/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 304905134 | FCRE0377 | 12/04/2025 | Credit | Data | The Total Hazard Coverage is LESS than the Required Coverage Amount | The hazard insurance dwelling coverage of XXX is insufficient, not meeting the required coverage amount of ($XXX). Hazard insurance coverage amount is not sufficient to cover XXX. | XX/XX/XXXX XXX: Please see attached copy of the HOI showing the dwelling is XXX with a checklist of coverage (RCE) of XXX With the RCE amount this file does have sufficient dwelling coverage | Documentation is sufficient. Policy in file is adequate. Exception rescinded.; The Total Hazard Coverage is greater than or equal to the Required Coverage Amount | Rescinded | A | A | A | A | A | A | A | A | A | A | A | A | |||
| XXX | XXXXX | 304905134 | FCOM8997 | 12/02/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | 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 | 12/02/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 304905134 | FPRO8998 | 12/02/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | 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 | 12/02/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 304894652 | FCOM8997 | 12/03/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 12/03/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 304894652 | FCRE8999 | 12/03/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 12/03/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 304894652 | FPRO8998 | 12/03/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 12/03/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 304891083 | FCOM1233 | 12/11/2025 | Credit | Missing Doc | The Final 1003 is Incomplete | The Final 1003 is Incomplete Missing Final 1003 for B1 | Document Uploaded. | The Final 1003 is Present; 1003 provided | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 58.67% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 58.67% 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 | Resolved | 12/11/2025 | D | A | D | A | D | A | D | A | D | A | D | A | |
| XXX | XXXXX | 304891083 | FCOM8997 | 12/01/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | HPML Compliant; Informational Only | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 58.67% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 58.67% 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 | Resolved | 12/01/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 304891083 | FCRE8999 | 12/01/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | HPML Compliant; Informational Only | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 58.67% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 58.67% 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 | Resolved | 12/01/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 304891083 | FPRO8998 | 12/01/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | HPML Compliant; Informational Only | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 58.67% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 58.67% 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 | Resolved | 12/01/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 304898230 | finding-4038 | 12/22/2025 | Compliance | ComplianceEase | Qualified Mortgage Lending Policy Points and Fees Test | This loan has points and fees that exceed the points and fees threshold. (12 CFR 1026.43(e)(3))The XXX is XXX or more, and the transaction's total points and fees is XXX which exceeds XXX percent of the total XXX of $XXX; orThe XXX is less than XXX but at least XXX and the transaction's total points and fees is XXX which exceeds $XXX; orThe XXX is less than XXX but at least XXX and the transaction's total points and fees is XXX which exceeds XXX percent of the total XXX of $XXX; orThe XXX is less than XXX but at least XXX and the transaction's total points and fees is XXX which exceeds $XXX; orThe XXX is less than XXX and the transaction's total points and fees is XXX which exceeds XXX percent of the total XXX of $XXX. Documentation required: Provide par rate utilized. According to Lock Confirmation dated XX/XX/XXXX at XX/XX/XXXX the par rate was XXX. | XXX XX/XX/XXXX: See attached passing QM test results. The difference between the APR vs APOR is XXX%. The price of the undiscounted rate is XXX there is no charge for undiscounted (also known as PAR) rate. | | XXX - XXX = XXX / XXX = XXX% | Seller concession itemization provided; exception resolved; Seller concession itemization provided; exception resolved | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/22/2025 | C | A | C | A | C | A | C | A | C | A | C | A | |
| XXX | XXXXX | 304898230 | FPRO8998 | 12/03/2025 | 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 | Resolved | 12/03/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 304898230 | FCRE8999 | 12/03/2025 | 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 | 12/03/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 304875276 | FCRE7497 | 12/23/2025 | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Provide MISSING MORTGAGE Statement for XXX property to validate mortgage and to determine if escrowed. | XX/XX/XXXX XXX: Please see attached mortgage Statement | Verification of PITIA provided. Condition 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 | 12/23/2025 | D | A | D | A | D | A | D | A | D | A | D | A | |
| XXX | XXXXX | 304875276 | FCOM8997 | 12/05/2025 | 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 | 12/05/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 304875276 | FPRO8998 | 12/05/2025 | 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 | 12/05/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 304896745 | finding-3367 | 01/13/2026 | Compliance | Disclosure | RESPA Homeownership Counseling Organizations Disclosure Date Test | This loan failed the homeownership counseling organizations disclosure date test due to the following findings: (12 CFR §1024.20(a) he loan has a homeownership counseling organizations disclosure date that is not within three business days of the loan Originator's application date (or the date creditor received application if loan Originator's application date is not provided); orThe homeownership counseling organizations disclosure date is after the closing date ot later than three business days after a lender, mortgage broker, or dealer receives an application, or information sufficient to complete an application, the lender must provide the loan applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. The list of homeownership counseling organizations distributed to each loan applicant under this section shall be obtained no earlier than XXX days prior to the time when the list is provided to the loan applicant from either:(XXX he website maintained by the Bureau for lenders to use in complying with the requirements of this section; or(XXX ata made available by the Bureau or HUD for lenders to use in complying with the requirements of this section, provided that the data is used in accordance with instructions provided with the data his calculation take into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §XXX(b) and as it relates to §XXX (list of homeownership counseling organizations provided not later than XXX business days after a loan Originator receives an application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:As not being open on SundayPLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, ComplianceAnalyzer calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict lease note: This test does not validate the content of any list of homeownership counseling organizations. Need clarification on application date, multiple locks have XX/XX/XXXX and the initial application has XX/XX/XXXX. If the application date is XX/XX/XXXX, provide the Homeownership Counseling disclosure dated within XXX business days and proof sent to the borrower. | XXX XX/XX/XXXX The Broker did not receive the contract until XX/XX/XXXX making the XX/XX/XXXX a valid application date. Please see attached screenshot of the email they received the contract on XXX XXX.; XXX XX/XX/XXXX Disagree. The Loan application was signed on XX/XX/XXXX which is the same date as the initial disclosures were signed. The Loan was imported on XX/XX/XXXX but not disclosed until XX/XX/XXXX due to not having all XXX pieces of information.; XXX XX/XX/XXXX The initial Loan application is from XX/XX/XXXX. | Lender confirmed the application date of XX/XX/XXXX; exception resolved; Lender confirmed the application date of XX/XX/XXXX; exception resolved; Please confirm/provide the date all XXX piece of information were received to be considered a valid application. The response indicated it was not disclosed until XX/XX/XXXX due to not having all XXX pieces of information, but that doesnt confirm the date a complete application with all XXX pieces were received by the lender ; Borrower signature on a application is not considered the indication for the application date; The lock documentation indicates an application date of XX/XX/XXXX; Please confirm the date all XXX pieces of information were received to constitute a complete application. | 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 | Resolved | 01/13/2026 | B | A | B | A | B | A | B | A | B | A | B | A | |
| XXX | XXXXX | 304896745 | finding-3634 | 01/13/2026 | 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). Need clarification on application date, multiple locks have XX/XX/XXXX and the initial application has XX/XX/XXXX. If the application date is XX/XX/XXXX, the initial Loan Estimate and proof of delivery dated within XXX business days of XX/XX/XXXX is required. Further TRID review to be completed once confirmed. | XXX XX/XX/XXXX The Broker did not receive the contract until XX/XX/XXXX making the XX/XX/XXXX a valid application date. Please see attached screenshot of the email they received the contract on XXX XXX.; XXX XX/XX/XXXX Disagree. The Loan application was signed on XX/XX/XXXX which is the same date as the initial disclosures were signed. The Loan was imported on XX/XX/XXXX but not disclosed until XX/XX/XXXX due to not having all XXX pieces of information. The Lock confirmation you are referencing is the investors lock sheet and not the Lenders lock sheet. The investors lock sheet has the import date as the Application date which is incorrect.; XXX XX/XX/XXXX The initial Loan application date is XX/XX/XXXX. | Lender confirmed the application date of XX/XX/XXXX; exception resolved; Lender confirmed the application date of XX/XX/XXXX; exception resolved; Please confirm/provide the date all XXX piece of information were received to be considered a valid application. The response indicated it was not disclosed until XX/XX/XXXX due to not having all XXX pieces of information, but that doesnt confirm the date a complete application with all XXX pieces were received by the lender ; Borrower signature on a application is not considered the indication for the application date; The lock documentation indicates an application date of XX/XX/XXXX; Please confirm the date all XXX pieces of information were received to constitute a complete application. | 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 | Resolved | 01/13/2026 | C | A | C | A | C | A | C | A | C | A | C | A | |
| XXX | XXXXX | 304896745 | finding-3635 | 01/13/2026 | Compliance | TRID Tolerance | Charges That In Total Cannot Increase More Than 10% Test | This loan failed the charges that in total cannot increase more than XXX% test. (12 CFR §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). Need clarification on application date, multiple locks have XX/XX/XXXX and the initial application has XX/XX/XXXX. If the application date is XX/XX/XXXX, the initial Loan Estimate and proof of delivery dated within XXX business days of XX/XX/XXXX is required. Further TRID review to be completed once confirmed. | XXX XX/XX/XXXX The Broker did not receive the contract until XX/XX/XXXX making the XX/XX/XXXX a valid application date. Please see attached screenshot of the email they received the contract on XXX XXX.; XXX XX/XX/XXXX Disagree. The Loan application was signed on XX/XX/XXXX which is the same date as the initial disclosures were signed. The Loan was imported on XX/XX/XXXX but not disclosed until XX/XX/XXXX due to not having all XXX pieces of information. The Lock confirmation you are referencing is the investors lock sheet and not the Lenders lock sheet. The investors lock sheet has the import date as the Application date which is incorrect.; XXX XX/XX/XXXX The initial Loan application date is XX/XX/XXXX. | Lender confirmed the application date of XX/XX/XXXX; exception resolved; Lender confirmed the application date of XX/XX/XXXX; exception resolved; Please confirm/provide the date all XXX piece of information were received to be considered a valid application. The response indicated it was not disclosed until XX/XX/XXXX due to not having all XXX pieces of information, but that doesnt confirm the date a complete application with all XXX pieces were received by the lender ; Borrower signature on a application is not considered the indication for the application date; The lock documentation indicates an application date of XX/XX/XXXX; Please confirm the date all XXX pieces of information were received to constitute a complete application. | 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 | Resolved | 01/13/2026 | C | A | C | A | C | A | C | A | C | A | C | A | |
| XXX | XXXXX | 304896745 | finding-3515 | 01/13/2026 | Compliance | TRID | Initial Loan Estimate Delivery Date Test (from application) | This loan failed the initial loan estimate delivery date test (from application) due to one of the following: (12 CFR §1026.19(e)(1)(iii)(A) he initial loan estimate delivery date is later than the third business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions) after the creditor or broker receives the consumer's written application herefore, if additional disclosures are entered into ComplianceAnalyzer, any values that would change under a valid changed circumstance if the initial loan estimate had been delivered timely, will not reset the baseline for tolerance purposes. The comparable fees for this loan will be XXX regardless of the actual values on the disclosure his calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §XXX(a)(XXX) and as it relates to §1026.19(e)(1)(iii)(A) (initial loan estimate disclosure three business days after application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:As not being open on SundayPLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, ComplianceAnalyzer calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict he creditor shall deliver or place in the mail the disclosures required under §1026.19(e)(1)(i) (provision of loan estimate form) not later than the third business day after the creditor receives the consumer's application. Need clarification on application date, multiple locks have XX/XX/XXXX and the initial application has XX/XX/XXXX. If the application date is XX/XX/XXXX, the initial Loan Estimate and proof of delivery dated within XXX business days of XX/XX/XXXX is required. Further TRID review to be completed once confirmed. | XXX XX/XX/XXXX The Broker did not receive the contract until XX/XX/XXXX making the XX/XX/XXXX a valid application date. Please see attached screenshot of the email they received the contract on XXX XXX.; XXX XX/XX/XXXX Disagree. The Loan application was signed on XX/XX/XXXX which is the same date as the initial disclosures were signed. The Loan was imported on XX/XX/XXXX but not disclosed until XX/XX/XXXX due to not having all XXX pieces of information. The Lock confirmation you are referencing is the investors lock sheet and not the Lenders lock sheet. The investors lock sheet has the import date as the Application date which is incorrect.; XXX XX/XX/XXXX The initial Loan application date is XX/XX/XXXX. | Lender confirmed the application date of XX/XX/XXXX; exception resolved; Lender confirmed the application date of XX/XX/XXXX; exception resolved; Please confirm/provide the date all XXX piece of information were received to be considered a valid application. The response indicated it was not disclosed until XX/XX/XXXX due to not having all XXX pieces of information, but that doesnt confirm the date a complete application with all XXX pieces were received by the lender ; Borrower signature on a application is not considered the indication for the application date; The lock documentation indicates an application date of XX/XX/XXXX; Please confirm the date all XXX pieces of information were received to constitute a complete application. | 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 | Resolved | 01/13/2026 | C | A | C | A | C | A | C | A | C | A | C | A | |
| XXX | XXXXX | 304896745 | FCRE8999 | 12/08/2025 | 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 | Resolved | 12/08/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 304896745 | FPRO8998 | 12/08/2025 | 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 | Resolved | 12/08/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 304904285 | FCRE1335 | 12/22/2025 | Credit | Missing Doc | Borrower 1 IRS Transcripts Missing | Borrower 1 IRS Transcripts Missing | Document Uploaded. uploading | Borrower 1 IRS Transcripts 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% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/22/2025 | D | A | D | A | D | A | D | A | D | A | D | A | |
| XXX | XXXXX | 304904285 | FCRE5393 | 12/15/2025 | Credit | Insurance | Mortgage Insurance Defect | Provide updated AUS, XXX URLA and closing documents removing mortgage Insurance. | Document Uploaded. Closing instructions, XXX lox, proof of delivery; PER LENDER: Inquiry from seller - Does XXX need the borrowers to sign the post-consummation corrected docs (URLA, CD, payment letter, IEAD)? And if so, this file had B1 sign on behalf of B2 as poa, would the PC docs need to be signed the same way or can B2 sign them for herself since these are electronic signatures after closing? | 1003, XXX pccd provided removing MI. Proof of delivery provided. ; Documents do not need signatures, however proof of delivery to borrower is required. | 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 | Resolved | 12/15/2025 | C | A | C | A | C | A | C | A | C | A | C | A | |
| XXX | XXXXX | 304904285 | FCOM3849 | 12/10/2025 | Compliance | Disclosure | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). Provide evidence the appraisal was delivered to the borrower a minimum of XXX business days prior to consummation. | Document Uploaded. Appraisal delivery tracking/Lender email response uploaded | Evidence of appraisal delivery 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% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/10/2025 | B | A | B | A | B | A | B | A | B | A | B | A | |
| XXX | XXXXX | 304904285 | FCRE1130 | 12/09/2025 | Credit | Missing Doc | Mortgage Insurance Cert Missing | Mortgage Insurance is Present but Mortgage Insurance Cert is missing LTV is more than XXX% and also Mortgage Insurance Premium is listed on Final 1003, but Mortgage Insurance Cert is missing in the file. | ; Mortgage Insurance is Present and Mortgage Insurance Cert has been provided or Mortgage Insurance is not Present | Rescinded | A | A | A | A | A | A | A | A | A | A | A | A | ||||
| XXX | XXXXX | 304904285 | FPRO8998 | 12/08/2025 | 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 | Resolved | 12/08/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 304876069 | FCOM8997 | 12/12/2025 | 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 | Resolved | 12/12/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 304876069 | FCRE8999 | 12/12/2025 | 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 | Resolved | 12/12/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 304876069 | FPRO8998 | 12/12/2025 | 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 | Resolved | 12/12/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305024769 | FCRE7497 | 01/14/2026 | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Provide Mortgage Statement, tax cert and HOI for primary resident | Requested docs previously provided in original submission | Verification of PITIA provided. Condition 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 | 01/14/2026 | D | A | D | A | D | A | D | A | D | A | D | A | |
| XXX | XXXXX | 305024769 | FCOM8997 | 12/12/2025 | 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 | 12/12/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305024769 | FPRO8998 | 12/12/2025 | 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 | 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 | 12/12/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305026592 | FCRE1201 | 12/24/2025 | Credit | Missing Doc | Third Party Fraud Report not Provided | Missing Third Party Fraud Report Missing Fraud report | Document Uploaded. Fraud report | Third Party Fraud Report is provided; Received fraud report | 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 | 12/24/2025 | D | A | D | A | D | A | D | A | D | A | D | A | |
| XXX | XXXXX | 305026592 | FCOM8997 | 12/22/2025 | 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 | Resolved | 12/22/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305026592 | FPRO8998 | 12/22/2025 | 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 | Resolved | 12/22/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305028429 | FPRO8998 | 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 | 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 | 01/14/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305028429 | FCRE0386 | 01/07/2026 | Credit | Missing Doc - Credit | Borrower 1 Photo Identification not provided | Borrower 1 Photo Identification not provided. | Document Uploaded. DL | Photo Identification provided.; Client provided Borrower Driver's License. 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 | 01/07/2026 | D | A | D | A | D | A | D | A | D | A | D | A | |
| XXX | XXXXX | 305028429 | FCRE0387 | 01/07/2026 | Credit | Missing Doc - Credit | Borrower 2 Photo Identification not provided | Borrower 2 Photo Identification not provided. | Document Uploaded. DL | Photo Identification provided.; Client provided Borrower Driver's License. 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 | 01/07/2026 | D | A | D | A | D | A | D | A | D | A | D | A | |
| XXX | XXXXX | 305028429 | FCOM3592 | 01/07/2026 | Credit | Missing Doc | Missing Taxpayer First Act Disclosure | Taxpayer First Act Disclosure is missing. | Document Uploaded. Taxpayer disclosure act | Taxpayer First Act Disclosure is provided; Client provided Taxpayer First Act Disclosure signed by both Borrowers. 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 | 01/07/2026 | B | A | B | A | B | A | B | A | B | A | B | A | |
| XXX | XXXXX | 305028429 | finding-3532 | 01/06/2026 | Compliance | TRID | Initial Closing Disclosure Delivery Date Test | This loan failed the initial closing disclosure delivery date test due to one of the following findings:(12 CFR §1026.19(f)(1)(ii) he initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than three business days before consummation. Documentation required to clear exception. The initial CD is missing from the loan file. The earliest CD in the loan file was issued XX/XX/XXXX and signed at consummation. The violation can be cured by providing the initial CD as well as evidence showing that is was received by the borrowers XXX business days prior to consummation on XX/XX/XXXX. Additional conditions may apply. | Document Uploaded. Initial CD uploaded | Initial CD provided; exception resolved; Initial CD 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% | Resolved | 01/06/2026 | C | A | C | A | C | A | C | A | C | A | C | A | |
| XXX | XXXXX | 305028429 | FCOM3849 | 01/06/2026 | Compliance | Disclosure | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). Documentation required to clear exception: Evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. | Document Uploaded. Appraisal delivery uploaded | Evidence of appraisal delivery provided. | 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 | 01/06/2026 | B | A | B | A | B | A | B | A | B | A | B | A | |
| XXX | XXXXX | 305028429 | FCOM9186 | 01/06/2026 | Compliance | Missing Doc | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. Documentation required. 1st e-signed document in the file is dated XX/XX/XXXX, however missing proof of e-consent dated XX/XX/XXXX or before. | Document Uploaded. Esign consent | Evidence of eConsent is provided. The eSigned documents consent is missing. | 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 | 01/06/2026 | B | A | B | A | B | A | B | A | B | A | B | A | |
| XXX | XXXXX | 305028429 | FCOM5135 | 12/31/2025 | 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 application date 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 | 305023989 | FCRE8999 | 01/14/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only; Investor acknowledges exception; Informational Only; Investor acknowledges exception; Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of 63.29% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 63.29% is less than Guideline CLTV of 80% | 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 | Resolved | 01/14/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305023989 | FPRO8998 | 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 | Original LTV is Below the Guideline Maximum - Calculated LTV of 63.29% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 63.29% is less than Guideline CLTV of 80% | 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 | Resolved | 01/14/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305023989 | FCOM8997 | 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 | Original LTV is Below the Guideline Maximum - Calculated LTV of 63.29% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 63.29% is less than Guideline CLTV of 80% | 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 | Resolved | 01/14/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 304840172 | FPRO8998 | 01/27/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 40.28% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 40.28% 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 | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/27/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 304840172 | FCOM8997 | 01/27/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 40.28% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 40.28% 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 | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/27/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 304840172 | FCRE8999 | 01/27/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 40.28% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 40.28% 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 | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/27/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305036778 | FCOM5135 | 01/28/2026 | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing | Investor acknowledges exception. | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 63.05% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 63.05% 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 | Acknowledged | No | B | B | B | B | B | B | B | B | B | B | B | B | ||
| XXX | XXXXX | 305036778 | FCRE8999 | 01/28/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 63.05% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 63.05% 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 | 01/28/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305036778 | FPRO8998 | 01/28/2026 | 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. | Original LTV is Below the Guideline Maximum - Calculated LTV of 63.05% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 63.05% 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 | 01/28/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 304871606 | FCOM5135 | 01/28/2026 | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing | Investor acknowledges exception. | 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. | Acknowledged | No | B | B | B | B | B | B | B | B | B | B | B | B | ||
| XXX | XXXXX | 304871606 | FPRO8998 | 01/28/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | 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 | 01/28/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 304871606 | FCRE8999 | 01/28/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | 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 | 01/28/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305034570 | FCRE1185 | 02/04/2026 | Credit | Missing Doc | AUS Partially Provided | AUS Partially Provided AUS risk due to lender credits exceed the total of closing costs. The only risk allowed on AUS is balance of loan. | Document Uploaded. Updated LP CERT | AUS is not incomplete; Client provided updated LP dated XX/XX/XXXX which does not reflect lender credits exceed the total of closing costs. LM Updated.; AUS Partially Provided AUS risk due to lender credits exceed the total of closing costs. The only risk allowed on AUS is balance of loan. | Original LTV is Below the Guideline Maximum - Calculated LTV of 61.79% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 61.79% 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 | 02/04/2026 | D | A | D | A | D | A | D | A | D | A | D | A | |
| XXX | XXXXX | 305034570 | FPRO8998 | 01/29/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of 61.79% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 61.79% 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 | 01/29/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305034570 | FCOM8997 | 01/29/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of 61.79% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 61.79% 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 | 01/29/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305038705 | finding-3532 | 02/18/2026 | Compliance | TRID | Initial Closing Disclosure Delivery Date Test | Documentation required to clear exception: The initial CD is missing from the loan file. The earliest CD in the loan file was issued on XX/XX/XXXX and signed at consummation. The violation can be cured by providing the initial CD as well as evidence showing that is was received by the consumer XXX business days prior to consummation on XX/XX/XXXX. Additional conditions may apply. This loan failed the initial closing disclosure delivery date test due to one of the following findings:(12 CFR §1026.19(f)(1)(ii) he initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than three business days before consummation. | Document Uploaded. CD and tracking | initial CD provided; exception resolved; initial CD provided; exception resolved | 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 | 02/18/2026 | C | A | C | A | C | A | C | A | C | A | C | A | |
| XXX | XXXXX | 305038705 | FCRE8999 | 01/30/2026 | 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 | 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 | 01/30/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305038705 | FPRO8998 | 01/30/2026 | 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 | 01/30/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305042677 | FCOM5135 | 02/12/2026 | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing Documentation required to clear exception: Please provide proof that the Affiliated Business Disclosure was provided prior to closing or provide confirmation that the lender has no affiliates. | Please acknowledge exception as non material | Please acknowledge exception as non material. | 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 | Acknowledged | No | B | B | B | B | B | B | B | B | B | B | B | B | |
| XXX | XXXXX | 305042677 | FCRE1185 | 02/12/2026 | Credit | Missing Doc | AUS Partially Provided | AUS Partially Provided AUS and XXX Transmittal Summary reflects a XXX as XXX the Note is for the amount of XXX | Document Uploaded. updated AUS | AUS is not incomplete; Client provided updated DU dated XX/XX/XXXX reflecting the XXX of XXX LM Updated.; AUS Partially Provided AUS and XXX Transmittal Summary reflects a XXX as XXX while the Note is for the amount 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% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 02/12/2026 | D | A | D | A | D | A | D | A | D | A | D | A | |
| XXX | XXXXX | 305042677 | FPRO8998 | 02/04/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 02/04/2026 | A | A | A | A | A | A | A | A | A | A | A | A |