| Seller | Loan ID | Seller Loan ID | Investor Loan ID | Queue | Created Date | Last Modified Date | Finding Status | Event Level | Initial Finding Grade | Current/Final Finding Grade | Finding Category | Finding Sub Category | Finding Name | Reviewer Comments | Seller Comments | Finding Resolution | Finding Document | Reviewer Comp Factors | Originator Comp Factors | State | Occupancy | Loan Purpose | Refinance Purpose | Unique Finding ID | Acknowledged / Waived By | Waiver in File? |
| XXXX | BRAVO 2026-NQM5 1000978 | Closed | 2025-12-17 07:31 | 2025-12-17 08:17 | Resolved | 1 - Information | C | A | Compliance | TRID Tolerance | Lender Credits That Cannot Decrease Test (50001262) | Resolved-Resolved - Due Diligence Vendor-12/17/2025 Open- - Due Diligence Vendor-12/17/2025 Open- - Due Diligence Vendor-12/17/2025 Open-The baseline amount of non-specific (lump sum) lender credits and specific lender credits disclosed is ($XXXX). The Last CD shows a total lender credit amount of ($100.00). The following fees "lender credits" have decreased below their baseline amounts (Inspection Fee). Non-specific lender credits are generalized payments that do not pay for a particular fee. Specific lender credits are specific payments to pay for a specific fee. The total amount of non-specific and specific lender credits cannot decrease unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3)(i) and comments 19(e)(3)(i)-5 and -6; 12 CFR 1026.19(f)(2)(v); 12 CFR 1026.37(g)(6); 12 CFR 1026.38(h)). - Due Diligence Vendor-12/17/2025 Open- - Due Diligence Vendor-12/17/2025 |
Resolved-Resolved - Due Diligence Vendor-12/17/2025 |
XXXX | Primary Residence | Refinance | Cash Out - Other | 6660303 | N/A | N/A | ||||||
| XXXX | BRAVO 2026-NQM5 1000978 | Closed | 2025-12-12 08:18 | 2025-12-17 08:15 | Resolved | 1 - Information | C | A | Compliance | TRID Tolerance | Fees: Limited | Resolved- - Due Diligence Vendor-12/17/2025 Ready for Review-The title fees previously in section C were moved to section B, Services you did not shop for at CD since the borrower used the lenders affiliated title company. This should not cause a tolerance violation - Seller-12/17/2025 Resolved- - Due Diligence Vendor-12/17/2025 Resolved- - Due Diligence Vendor-12/17/2025 Open- - Due Diligence Vendor-12/17/2025 Ready for Review-The title fees previously in section C were moved to section B, Services you did not shop for at CD since the borrower used the lenders affiliated title company. This should not cause a tolerance violation - Seller-12/15/2025 Open- - Due Diligence Vendor-12/15/2025 Open- - Due Diligence Vendor-12/12/2025 Open-The total amount of the 10% category fees ($XXXX) has increased by more than 10% over the current baseline value of ($XXXX). The total amount of fees in the 10% category cannot exceed ($XXXX). The following fee(s) have either increased from their baseline disclosure or have been recently added: (Lender’s Title Policy). Any increase to an existing fee and/or the addition of a new fee that causes the 10% category threshold to be exceeded cannot occur unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee(s) or new fee(s). (12 CFR 1026.19(e)(3)(ii); 12 CFR 1026.19(e)(3)(iv)). The total amount of the 10% category fees $XXXX has increased by more than 10% over the current baseline value of $XXXX. The total amount of fees in the 10% category cannot exceed $XXXX. The following fee(s) have either increased from their baseline disclosure or have been recently added: (Lender’s Title Policy). Any increase to an existing fee and/or the addition of a new fee that causes the 10% category threshold to be exceeded cannot occur unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee(s) or new fees - Due Diligence Vendor-12/12/2025 Open- - Due Diligence Vendor-12/12/2025 Open- - Due Diligence Vendor-12/12/2025 Open- - Due Diligence Vendor-12/12/2025 |
Ready for Review-The title fees previously in section C were moved to section B, Services you did not shop for at CD since the borrower used the lenders affiliated title company. This should not cause a tolerance violation - Seller-12/17/2025 Ready for Review-The title fees previously in section C were moved to section B, Services you did not shop for at CD since the borrower used the lenders affiliated title company. This should not cause a tolerance violation - Seller-12/15/2025 |
Resolved- - Due Diligence Vendor-12/17/2025 |
XXXX | Primary Residence | Refinance | Cash Out - Other | 6601370 | N/A | N/A | |||||
| XXXX | BRAVO 2026-NQM5 1000978 | Closed | 2025-12-12 08:18 | 2025-12-17 07:56 | Resolved | 1 - Information | C | A | Compliance | TRID Tolerance | Fees: Limited | Resolved- - Due Diligence Vendor-12/17/2025 Resolved- - Due Diligence Vendor-12/17/2025 Ready for Review-The title fees previously in section C were moved to section B, Services borrower did not shop for at CD since the borrower used the lenders affiliated title company. This should not cause a tolerance violation. - Seller-12/17/2025 Open- - Due Diligence Vendor-12/17/2025 Ready for Review-The title fees previously in section C were moved to section B, Services you did not shop for at CD since the borrower used the lenders affiliated title company. This should not cause a tolerance violation - Buyer-12/15/2025 Open- - Due Diligence Vendor-12/15/2025 Open- - Due Diligence Vendor-12/12/2025 Open-The total amount of the 10% category fees on the last Closing Disclosure ($XXXX) has increased by more than 10% over the current baseline value of ($XXXX). The total amount of fees in the 10% category cannot exceed XXXX). The following fee(s) have either increased from their baseline disclosure or have been recently added: (Lender’s Title Policy). Any increase to an existing fee and/or the addition of a new fee that causes the 10% category threshold to be exceeded cannot occur unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee(s) or new fee(s). (12 CFR 1026.19(e)(3)(ii); 12 CFR 1026.19(e)(3)(iv)). The total amount of the 10% category fees on the last Closing Disclosure $XXXX has increased by more than 10% over the current baseline value of ($XXXX). The total amount of fees in the 10% category cannot exceed ($XXXX). The following fee(s) have either increased from their baseline disclosure or have been recently added: Lender’s Title Policy. Any increase to an existing fee and/or the addition of a new fee that causes the 10% category threshold to be exceeded cannot occur unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee(s) or new fees. - Due Diligence Vendor-12/12/2025 Open- - Due Diligence Vendor-12/12/2025 Open- - Due Diligence Vendor-12/12/2025 Open- - Due Diligence Vendor-12/12/2025 |
Ready for Review-The title fees previously in section C were moved to section B, Services borrower did not shop for at CD since the borrower used the lenders affiliated title company. This should not cause a tolerance violation. - Seller-12/17/2025 |
Resolved- - Due Diligence Vendor-12/17/2025 |
XXXX | Primary Residence | Refinance | Cash Out - Other | 6601368 | N/A | N/A | |||||
| XXXX | BRAVO 2026-NQM5 1000978 | Closed | 2025-12-15 10:31 | 2025-12-17 07:04 | Waived | 2 - Non-Material | D | B | Property | Missing Doc | Appraisal 2 missing | Waived- - Due Diligence Vendor-12/17/2025 Ready for Review-Document Uploaded. Please see attached - Seller-12/15/2025 Open-loan greater than 1.5, 2nd full appraisal not in file - Due Diligence Vendor-12/15/2025 |
Ready for Review-Document Uploaded. Please see attached - Seller-12/15/2025 |
XXXX | DTI is 50%. Maximum allowed per guidelines is 25.9%. LTV is 70%. Maximum allowed per guidelines is 56.31%. Borrower(s) have 12 months Reserves. Minimum required per guidelines is 18.73 months. Residual Income is $51942.55. Minimum Residual Income required per guidelines is $10000. |
XXXX | Primary Residence | Refinance | Cash Out - Other | 6627077 | Originator Post-Close | Yes | ||||
| XXXX | BRAVO 2026-NQM5 1000978 | Closed | 2025-12-12 05:34 | 2025-12-16 01:31 | Resolved | 1 - Information | C | A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Updated Title Commitment uploaded, Title Coverage Amount of $XXXX is equal to or greater than Total Amount of Subject Lien(s), Verified & entered in system - Resolved - Due Diligence Vendor-12/16/2025 Resolved-Title Coverage Amount of $XXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-12/16/2025 Ready for Review-Document Uploaded. Please see attached - Buyer-12/15/2025 Ready for Review-Please ask XXXX re this condition - Buyer-12/15/2025 Open-Title Coverage Amount of $XXXX is Less than Loan Amount $XXXX - Due Diligence Vendor-12/12/2025 |
Resolved-Updated Title Commitment uploaded, Title Coverage Amount of $XXXX is equal to or greater than Total Amount of Subject Lien(s), Verified & entered in system - Resolved - Due Diligence Vendor-12/16/2025 Resolved-Title Coverage Amount of $XXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-12/16/2025 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 6598702 | N/A | N/A | |||||
| XXXX | BRAVO 2026-NQM5 1000979 | Closed | 2025-12-18 02:55 | 2025-12-20 08:11 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Received updated 1003, 1008 income worksheet. Updated employment page, business approval, and 1003 page. DTI and income is in line. - Due Diligence Vendor-12/20/2025 Ready for Review-Document Uploaded. Please see attached - Buyer-12/20/2025 Counter-Need the final 1003 updated showing the correct income for co borrower income for 1c as well. DTI is now in line with the updated income docs. - Due Diligence Vendor-12/20/2025 Ready for Review-Document Uploaded. Please see attached - Buyer-12/19/2025 Open-Bank Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. The Lender Worksheet for Employment "XXXX" on page #681 reflects incorrect deposits which has not been considered from XXXX. whereas lender income worksheet and Final 1003 reflects qualifying income as $XXXX considering incorrect deposits. Provide corrected Lender income calculation worksheet. As it is showing where wrong account was being used to calculate the income, Need updated worksheet and 1003 and 1008 if the income is changed - Due Diligence Vendor-12/19/2025 |
Resolved-Received updated 1003, 1008 income worksheet. Updated employment page, business approval, and 1003 page. DTI and income is in line. - Due Diligence Vendor-12/20/2025 |
XXXX | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 6678854 | N/A | N/A |