Loan Number
Seller Loan Number
Originator
Last Name
Note Date
Original Balance
State
TPR QM ATR Status
Loan Status
Exception Date
Remediation Status
Exception ID
Exception Type
Exception Category
Exceptions
Exception Rebuttal
Exception Rebuttal Date
Exception Rebuttal Response
Exception Rebuttal Response Date
Compensating Factors
Initial Overall Loan Grade
Final Overall Loan Grade
Initial Exception Grade
Final Exception Grade
Initial Credit Grade
Final Credit Grade
Initial Property Valuation Grade
Final Property Valuation Grade
Initial Compliance Grade
Final Compliance Grade
Initial Overall Grade (DBRS/Morningstar)
Initial Credit Grade (DBRS/Morningstar)
Initial Property Valuation Grade (DBRS/Morningstar)
Initial Compliance Grade (DBRS/Morningstar)
Initial Overall Grade (Fitch)
Initial Credit Grade (Fitch)
Initial Property Valuation Grade (Fitch)
Initial Compliance Grade (Fitch)
Initial Overall Grade (Kroll)
Initial Credit Grade (Kroll)
Initial Property Valuation Grade (Kroll)
Initial Compliance Grade (Kroll)
Initial Overall Grade (Moodys)
Initial Credit Grade (Moodys)
Initial Property Valuation Grade (Moodys)
Initial Compliance Grade (Moodys)
Initial Overall Grade (S&P)
Initial Credit Grade (S&P)
Initial Property Valuation Grade (S&P)
Initial Compliance Grade (S&P)
Final Overall Grade (DBRS/Morningstar)
Final Credit Grade (DBRS/Morningstar)
Final Property Grade (DBRS/Morningstar)
Final Compliance Grade (DBRS/Morningstar)
Final Overall Grade (Fitch)
Final Credit Grade (Fitch)
Final Property Grade (Fitch)
Final Compliance Grade (Fitch)
Final Overall Grade (Kroll)
Final Credit Grade (Kroll)
Final Property Grade (Kroll)
Final Compliance Grade (Kroll)
Final Overall Grade (Moodys)
Final Credit Grade (Moodys)
Final Property Grade (Moodys)
Final Compliance Grade (Moodys)
Final Overall Grade (S&P)
Final Credit Grade (S&P)
Final Property Grade (S&P)
Final Compliance Grade (S&P)
XXX
RATE2026J20244
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
02/16/2026
Resolved
FCOM1227
Credit
PUD Rider is Missing
PUD Rider is Missing PUD Rider missing
XXX_Recorded_DOT with PUD Rider
03/09/2026
The PUD Rider is Present or is Not Applicable (XXX is PUD); Document Uploaded. Mortgage with PUD Rider received.;
03/18/2026
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.
D
B
D
A
D
A
A
A
C
B
D
D
A
C
D
D
A
C
D
D
A
C
D
D
A
C
D
D
A
C
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
XXX
RATE2026J20244
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
02/13/2026
Cured
finding-3634
Compliance
Charges That Cannot Increase Test
This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure required. Refund in the amount of $XXX; cure package requires a PCCD, lox, copy of refund check, and proof of delivery or Valid COC. The zero tolerance violation in the amount of XXX is due to the addition of the Appraisal Rush Fee on the final CD XX/XX/XXXX without a COC.
PCCD uploaded
02/23/2026
Cure package provided to the borrower; exception downgraded to a 2/B; Cure package provided to the borrower; exception downgraded to a 2/B; Document Uploaded.
02/24/2026
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.
D
B
C
B
D
A
A
A
C
B
D
D
A
C
D
D
A
C
D
D
A
C
D
D
A
C
D
D
A
C
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
XXX
RATE2026J20244
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
02/16/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
02/17/2026
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.
D
B
A
A
D
A
A
A
C
B
D
D
A
C
D
D
A
C
D
D
A
C
D
D
A
C
D
D
A
C
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
XXX
RATE2026J20197
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
02/25/2026
Resolved
FCRE1437
Credit
Income and Employment Do Not Meet Guidelines
Income and Employment Do Not Meet Guidelines Tax returns XXX reflects three entities. K-XXX documentation was provided for the XXX; however, ownership interest for the two XXX is not documented. DU documentation requirements are based on ownership percentage; therefore, K-1s or ownership documentation are required for both XXX to determine whether business returns maybe omitted.
    
Rebuttal: Income from XXX was not used to qualify. XXX were additional secondary positive no passive income source on XXX. The income was not needed to qualify. Condition resolved. ; Income and Employment Meet Guidelines
03/18/2026
Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of 80% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job.
C
A
C
A
C
A
A
A
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20197
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
02/27/2026
Resolved
FCOM8997
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational
03/02/2026
Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of 80% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job.
C
A
A
A
C
A
A
A
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20197
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
02/27/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
03/02/2026
Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of 80% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job.
C
A
A
A
C
A
A
A
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20060
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
02/27/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
03/02/2026
Borrower has stable job time - Borrower has XXX years on job.
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20060
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
02/27/2026
Resolved
FCRE8999
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational
03/02/2026
Borrower has stable job time - Borrower has XXX years on job.
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20060
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
02/28/2026
Resolved
FCOM8997
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational
03/02/2026
Borrower has stable job time - Borrower has XXX years on job.
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20001
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
02/28/2026
Resolved
FCOM8997
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational
03/02/2026
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
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20001
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/02/2026
Resolved
FCRE8999
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational
03/02/2026
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
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20001
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/02/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
03/02/2026
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
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20035
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
02/27/2026
Resolved
FCRE8999
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational
03/02/2026
Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job.
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20035
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
02/27/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
03/02/2026
Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job.
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20035
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
02/28/2026
Resolved
FCOM8997
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational
03/02/2026
Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job.
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20052
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
02/27/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
03/02/2026
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%
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20052
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
02/27/2026
Resolved
FCRE8999
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational
03/02/2026
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%
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20052
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
02/28/2026
Resolved
FCOM8997
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational
03/02/2026
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%
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20065
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
02/27/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
03/02/2026
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.
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20065
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
02/27/2026
Resolved
FCRE8999
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational
03/02/2026
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.
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20065
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/01/2026
Resolved
FCOM8997
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational
03/02/2026
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.
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20080
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/02/2026
Resolved
FCRE1201
Credit
Third Party Fraud Report not Provided
Missing Third Party Fraud Report
 Fraud Report
03/06/2026
Third Party Fraud Report is provided; Fraud provided; Document Uploaded.
03/09/2026
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.
D
A
D
A
D
A
A
A
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20080
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
02/27/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
03/02/2026
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.
D
A
A
A
D
A
A
A
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20080
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/01/2026
Resolved
FCOM8997
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational
03/02/2026
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.
D
A
A
A
D
A
A
A
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20049
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/01/2026
Cured
finding-3652
Compliance
Lender Credits That Cannot Decrease Test
This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i) he loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits XXX does not exceed or equal the comparable sum of specific and non-specific lender credits ($XXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, copy of refund check, and proof of delivery or valid COC. The Lender credit decrease violation in the amount of XXX is due to the decrease of Lender credit from XXX on the CD dated XX/XX/XXXX to XXX on the CD dated XX/XX/XXXX without a valid COC
Document-PCCD
03/12/2026
Cure package provided to the borrower; exception downgraded to a 2/B; Cure package provided to the borrower; exception downgraded to a 2/B; Document Uploaded.
03/14/2026
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of 80%
C
B
C
B
A
A
A
A
C
B
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
XXX
RATE2026J20049
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
02/27/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
03/02/2026
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of 80%
C
B
A
A
A
A
A
A
C
B
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
XXX
RATE2026J20049
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
02/27/2026
Resolved
FCRE8999
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational
03/02/2026
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of 80%
C
B
A
A
A
A
A
A
C
B
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
XXX
RATE2026J20002
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
02/27/2026
Rescinded
FCRE7496
Credit
Missing Verification of Subject Property Taxes, Insurance, HOA or Other Payments
For property - XXX  way need tax document
Document-PROPERTY TAXES, INSURANCE, HOA OR OTHER PAYMENTS
03/05/2026
Rescinded. Re-review of original file. Page XXX Client provided evidence does not satisfy condition. ; Document Uploaded.
03/09/2026
  
A
A
A
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A
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A
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A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20002
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
02/27/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
03/02/2026
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.
A
A
A
A
A
A
A
A
A
A
A
A
A
A
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A
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A
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A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20002
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/01/2026
Resolved
FCOM8997
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational
03/02/2026
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.
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
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A
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A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20233
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
02/27/2026
Resolved
FCRE8999
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational
03/02/2026
Original LTV is Below the Guideline Maximum - Calculated LTV 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
A
A
A
A
A
A
A
A
A
A
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A
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A
A
A
A
A
A
XXX
RATE2026J20233
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
02/27/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
03/02/2026
Original LTV is Below the Guideline Maximum - Calculated LTV 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
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
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A
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A
A
A
A
A
A
A
XXX
RATE2026J20233
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/01/2026
Resolved
FCOM8997
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational
03/02/2026
Original LTV is Below the Guideline Maximum - Calculated LTV 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
A
A
A
A
A
A
A
A
A
A
A
A
A
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A
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A
A
A
A
A
A
A
XXX
RATE2026J20247
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
02/27/2026
Resolved
FCRE8999
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational
03/02/2026
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.
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
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A
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A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20247
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
02/27/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
03/02/2026
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.
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
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A
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A
A
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A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20247
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/01/2026
Resolved
FCOM8997
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational
03/02/2026
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.
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
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A
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A
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A
A
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A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20230
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/02/2026
Resolved
FCRE4104
Credit
Missing explanation and supporting documentation for large deposit(s)
The XXX account ending in XXX reflects a large deposit of XXX from XXX on XX/XX/XXXX. The file does not include any Statements for the originating account; therefore, the source and seasoning of these funds cannot be verified. Please provide the most recent XXX for the originating account, along with any applicable XXX, to document the source of these funds and ensure they are from an acceptable source.
Recent two months statement
03/05/2026
Evidence provided. ; Document Uploaded.
03/06/2026
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.
D
A
D
A
D
A
A
A
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20230
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
02/27/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
03/03/2026
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.
D
A
A
A
D
A
A
A
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20230
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/01/2026
Resolved
FCOM8997
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational
03/03/2026
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.
D
A
A
A
D
A
A
A
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20248
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
02/27/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
03/02/2026
Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of 80% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of 80%
A
A
A
A
A
A
A
A
A
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A
A
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A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20248
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
02/27/2026
Resolved
FCRE8999
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational
03/02/2026
Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of 80% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of 80%
A
A
A
A
A
A
A
A
A
A
A
A
A
A
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A
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A
A
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A
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A
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A
A
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A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20248
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/01/2026
Resolved
FCOM8997
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational
03/02/2026
Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of 80% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of 80%
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
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A
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A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20081
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/03/2026
Resolved
FCRE1148
Credit
Title Coverage is Less than Subject Lien
Title Coverage Amount of XXX is Less than Total Amount of Subject Lien XXX The preliminary title report does not reflect the proposed Lender coverage amount, and the file does not include a supplement report confirming the insured amount. Please provide a supplemental title report with sufficient coverage.
Title report; XXX
03/16/2026
Title Coverage Amount of XXX is equal to or greater than Total Amount of Subject Lien $XXX; Title provided; Document Uploaded. ; ; Title report provided. ; Document Uploaded.
03/17/2026
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%
C
A
B
A
C
A
A
A
C
A
C
C
A
C
C
C
A
C
C
C
A
C
C
C
A
C
C
C
A
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20081
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/03/2026
Resolved
FCOM1604
Compliance
Regulation § 1026.43(c)(2)(vi) failure - The consumer's current debt obligations, alimony, and child support or other debt obligations were not confirmed and included in the DTI or excluded per lender guidelines.
Regulation § 1026.43(c)(2)(vi) failure - The consumer's current debt obligations, alimony, and child support or other debt obligations were not confirmed and included in the DTI or excluded per lender guidelines. The Borrowers are the trustors and trustees of The XXX and retain full authority over the trust’s assets, including the XXX account ending in XXX that secures the XXX  ending in XXX The XXX had outstanding balance of XXX as of XX/XX/XXXX with a required monthly interest payment of $XXX. Recurring monthly payments to XXX  are made from the Borrowers’ persona XXX account ending in XXX confirming that the Borrowers are responsible for this ongoing obligation. Per FNMA XXX and XXX, all monthly debt obligations the Borrower is responsible for – including revolving and open-ended credit lines, and loans secured by financial assets – must be included in the DTI calculation. The Borrowers also obtained additional XXX loan advances of XXX on XX/XX/XXXX and XXX on XX/XX/XXXX for the subject transaction, further increasing the outstanding balance and reinforcing that the XXX is an active liability recuring inclusion of the monthly payment in the DTI. However, the required XXX payment was not included in the DTI. Including this additional monthly obligation of XXX results in a DTI of XXX% which exceeds both the AUS approved DTI of XXX% and the maximum allowed program DTI of XXX% per XXX Underwriting Guidelines XX/XX/XXXX.
    
The consumer's current debt obligations, alimony, and child support or other debt obligations were confirmed.
03/12/2026
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%
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XXX
RATE2026J20081
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/03/2026
Resolved
FCRE1186
Credit
Audited DTI Exceeds AUS DTI
Audited DTI of XXX% exceeds AUS DTI of XXX% The Borrowers are the trustors and trustees of The XXX and retain full authority over the trust’s assets, including the XXX account ending in XXX that secures the XXX  securities-backed line of credit (XXX) ending in XXX The XXX had outstanding balance of XXX as of XX/XX/XXXX with a required monthly interest payment of $XXX. Recurring monthly payments to XXX  are made from the Borrowers’ personal XXX account ending in XXX confirming that the Borrowers are responsible for this ongoing obligation. Per FNMA XXX and XXX, all monthly debt obligations the Borrower is responsible for – including revolving and open-ended credit lines, and loans secured by financial assets – must be included in the DTI calculation. The Borrowers also obtained additional XXX loan advances of XXX on XX/XX/XXXX and XXX on XX/XX/XXXX for the subject transaction, further increasing the outstanding balance and reinforcing that the XXX is an active liability recuring inclusion of the monthly payment in the DTI. However, the required XXX payment was not included in the DTI. Including this additional monthly obligation of XXX results in a DTI of XXX% which exceeds both the AUS approved DTI of XXX% and the maximum allowed program DTI of XXX% per XXX Underwriting Guidelines XX/XX/XXXX.
letter of explanation.
03/10/2026
Audited DTI of XXX% is less than or equal to AUS DTI of XXX%; ; Document Uploaded.
03/11/2026
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%
C
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XXX
RATE2026J20081
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
02/27/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
03/05/2026
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%
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XXX
RATE2026J20031
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
02/27/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
03/05/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
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XXX
RATE2026J20031
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/03/2026
Resolved
FCRE8999
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational
03/05/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
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XXX
RATE2026J20031
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/04/2026
Resolved
FCOM8997
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational
03/05/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
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XXX
RATE2026J20038
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/04/2026
Resolved
FCOM8997
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational
03/05/2026
Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% 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 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of 80% | Borrower has stable job time - Borrower has XXX years on job.
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XXX
RATE2026J20038
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/04/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
03/05/2026
Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% 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 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of 80% | Borrower has stable job time - Borrower has XXX years on job.
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XXX
RATE2026J20038
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/04/2026
Resolved
FCRE8999
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational
03/05/2026
Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% 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 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of 80% | Borrower has stable job time - Borrower has XXX years on job.
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XXX
RATE2026J20198
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/10/2026
Resolved
FCOM1220
Credit
The Deed of Trust is Missing
The Deed of Trust is Missing
Mortgage
03/13/2026
The Deed of Trust is Present; DOT provided; Document Uploaded.
03/16/2026
Borrower has stable job time - Borrower has XXX years on job.
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XXX
RATE2026J20198
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/10/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
03/12/2026
Borrower has stable job time - Borrower has XXX years on job.
D
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XXX
RATE2026J20198
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/12/2026
Resolved
FCOM8997
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational
03/12/2026
Borrower has stable job time - Borrower has XXX years on job.
D
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XXX
RATE2026J20200
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/23/2026
Resolved
FCRE8999
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational
03/23/2026
Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of 70%
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XXX
RATE2026J20200
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/12/2026
Rescinded
FCRE9995
Credit
Audited Reserves are less than Guideline Required Reserves (Dollar Amount)
Audited Reserves of are less than Guideline Required Reserves of $XXX.
    
Assets provided prior to close.
03/23/2026
  
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XXX
RATE2026J20200
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/12/2026
Rescinded
FCRE1198
Credit
Audited Reserves are less than Guideline Required Reserves (Number of Months)
Audited Reserves of month(s) are less than Guideline Required Reserves of XXX month(s)
XXX Underwriter lox
03/16/2026
Assets provided prior to close.; Client explanation States they have more than XXX with plenty to spare. ; Document Uploaded.
03/23/2026
  
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XXX
RATE2026J20200
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/12/2026
Rescinded
FCRE0382
Credit
Assets do not meet guideline requirements
When the Total Qualified Asset Post Close field contains a negative value, the required assets do not meet guidelines.
    
When the Total Qualified Asset Post Close field contains a negative value, the required assets do not meet guidelines.
03/23/2026
  
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XXX
RATE2026J20200
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/12/2026
Resolved
FCOM8997
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational
03/12/2026
Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of 70%
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XXX
RATE2026J20200
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/12/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
03/12/2026
Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of 70%
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XXX
RATE2026J20201
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/11/2026
Resolved
FCOM8997
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational
03/12/2026
Borrower has stable job time - Borrower has XXX years on job.
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XXX
RATE2026J20201
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/12/2026
Resolved
FCRE8999
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational
03/12/2026
Borrower has stable job time - Borrower has XXX years on job.
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XXX
RATE2026J20201
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/12/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
03/12/2026
Borrower has stable job time - Borrower has XXX years on job.
A
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XXX
RATE2026J20194
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/11/2026
Resolved
FCRE1185
Credit
AUS Partially Provided
AUS Partially Provided DU findings provided in the file reflect an Early Assessment recommendation because the casefile was underwritten using soft-inquiry or partial-XXX credit data, indicating DU was not run using tri-merge hard pull credit report. The loan file includes an earlier, incomplete credit report dated XX/XX/XXXX and complete tri-merge credit report dated XX/XX/XXXX. The lender’s loan approval references the most recent credit report dated XX/XX/XXXX, while the AUS reflects the earlier XX/XX/XXXX credit report. Please provide DU findings that correspond to the credit report referenced on the loan approval and that do not reflect the Early Assessment message (MSG ID XXX).
XXX_AUS
03/26/2026
AUS is not incomplete.; Updated AUS provided; Document Uploaded.
03/30/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years on job.
D
A
D
A
D
A
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D
D
A
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D
D
A
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D
D
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D
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D
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XXX
RATE2026J20194
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/11/2026
Resolved
FCRE1206
Credit
All Interested Parties Not Checked with Exclusionary Lists
All Interested Parties Not Checked with Exclusionary Lists. The Appraisal Company (XXX) has not been checked against the exclusionary lists.
Fraud Report
03/17/2026
All Interested Parties Checked against Exclusionary Lists; Report provided with appraisal company; Document Uploaded.
03/18/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years on job.
D
A
C
A
D
A
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A
A
D
D
A
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D
D
A
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D
D
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D
D
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D
D
A
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A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20194
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/11/2026
Resolved
FCOM8997
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational
03/12/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years on job.
D
A
A
A
D
A
A
A
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20194
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/11/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
03/12/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years on job.
D
A
A
A
D
A
A
A
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20193
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/11/2026
Resolved
FCOM8997
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational
03/12/2026
Borrower has stable job time - Borrower has XXX years on job.
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20193
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/12/2026
Resolved
FCRE8999
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational
03/12/2026
Borrower has stable job time - Borrower has XXX years on job.
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20193
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/12/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
03/12/2026
Borrower has stable job time - Borrower has XXX years on job.
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20185
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/11/2026
Resolved
FCOM8997
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational
03/18/2026
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.
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20185
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/12/2026
Resolved
FCRE8999
Credit
No Credit Findings
The loan meets all applicable credit guidelines. The loan meets all applicable credit guidelines.
    
Informational
03/18/2026
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.
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20185
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/12/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan.
    
Informational
03/18/2026
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.
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20199
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/11/2026
Resolved
FCOM8997
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational
03/12/2026
Borrower has stable job time - Borrower has XXX years on job.
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20199
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/11/2026
Resolved
FCRE8999
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational
03/12/2026
Borrower has stable job time - Borrower has XXX years on job.
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20199
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/12/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
03/12/2026
Borrower has stable job time - Borrower has XXX years on job.
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20246
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/11/2026
Resolved
FCOM8997
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational
03/12/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20246
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/11/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
03/12/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20246
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/11/2026
Resolved
FCRE8999
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational
03/12/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20237
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/11/2026
Resolved
FCOM8997
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational
03/12/2026
Borrower has stable job time - Borrower has XXX years on job.
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20237
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/11/2026
Resolved
FCRE8999
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational
03/12/2026
Borrower has stable job time - Borrower has XXX years on job.
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20237
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/11/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
03/12/2026
Borrower has stable job time - Borrower has XXX years on job.
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20238
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/11/2026
Resolved
FPRO0951
Property
Condo Approval Missing
Condo Approval Missing. Condo approval is missing
Condo Approval
03/13/2026
; Condo and PUD warranty form provided. ; Document Uploaded.
03/16/2026
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
B
A
B
A
A
A
B
A
A
A
B
A
B
A
B
A
B
A
B
A
B
A
B
A
B
A
B
A
B
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20238
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/11/2026
Resolved
FCRE8999
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational
03/12/2026
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
B
A
A
A
A
A
B
A
A
A
B
A
B
A
B
A
B
A
B
A
B
A
B
A
B
A
B
A
B
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20238
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/12/2026
Resolved
FCOM8997
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational
03/12/2026
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
B
A
A
A
A
A
B
A
A
A
B
A
B
A
B
A
B
A
B
A
B
A
B
A
B
A
B
A
B
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20234
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/11/2026
Resolved
FCRE1485
Credit
Asset 7 Does Not Meet Guideline Requirements
Asset 7 Does Not Meet Guideline Requirements Borrowers received a total of XXX in gift funds. Out of this amount, XXX has been documented with proof of deposit into the Borrower’s account, along with a cashier’s check that identifies the donor as the XXX. The remaining XXX was also deposited into the Borrower’s account but is only supported by the Borrower’s deposit slip. There is no check copy or other documentation confirming that this XXX was provided by the donor. Please provide evidence to show the XXX deposit represents gift funds from the donor.
XXX_Gift_Check_Copy_$XXX
03/23/2026
Asset 7 Meets Guideline Requirements Or Not Applicable; $XXX gift evidence provided; Document Uploaded.
03/23/2026
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.
C
A
C
A
C
A
A
A
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20234
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/11/2026
Resolved
FCRE1486
Credit
Asset 8 Does Not Meet Guideline Requirements
Asset 8 Does Not Meet Guideline Requirements Sales proceeds were used in qualifying as assets. The loan file includes only an unsigned estimated seller’s settlement Statement, which does not document the actual net proceeds received from the sale. Please provide the final, fully executed settlement Statement or final Closing Disclosure for the departing residence confirming the actual net proceeds for the subject transaction.
Final settlement statement
03/16/2026
Asset 8 Meets Guideline Requirements Or Not Applicable; Executed Statement provided. ; Document Uploaded.
03/23/2026
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.
C
A
C
A
C
A
A
A
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20234
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/11/2026
Resolved
FCRE1491
Credit
Asset Qualification Does Not Meet Guideline Requirements
Asset Qualification Does Not Meet Guideline Requirements Business funds from two separate accounts were used in qualifying. When business assets are used, a cash-flow analysis is required to determine whether the business can support the withdrawal of funds without negatively impacting operations. However, the loan file does not include this analysis. Please provide a completed cash-flow analysis for each business account used to qualify.
Cash Flow Analysis; Final Settle Statement
03/16/2026
Asset Qualification Meets Guideline Requirements; Document Uploaded. ; Countered - Client sent a settlement Statement. Condition is regarding a business assets analysis. ; Document Uploaded.
03/23/2026
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.
C
A
C
A
C
A
A
A
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20234
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/11/2026
Resolved
FCRE8201
Credit
Loan does not conform to program guidelines
FNMA Selling Guide XXX requires the full XXX/PPA agreement to document the payment terms, Borrower obligation, and lien/XXX. The loan file contains transfer documents and a recorded notice, but the complete XXX/Lien documentation are XXX. Please provide the full solar contract and supporting lien/XXX .
XXX_Solar_Agreement
03/23/2026
Contract provided; Document Uploaded.
03/23/2026
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.
C
A
C
A
C
A
A
A
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20234
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/11/2026
Resolved
FCOM8997
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational
03/12/2026
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.
C
A
A
A
C
A
A
A
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20234
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/11/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
03/12/2026
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.
C
A
A
A
C
A
A
A
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20039
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/12/2026
Resolved
finding-3367
Compliance
RESPA Homeownership Counseling Organizations Disclosure Date Test
This loan failed the homeownership XXX organizations disclosure date test due to the following findings: (12 CFR §1024.20(a) he loan has a homeownership XXX organizations disclosure date that is not within three business days of the loan Originator's XXX (or the date creditor received application if loan Originator's XXX is XXX); orThe homeownership XXX 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 XXX organizations that provide relevant XXX services in the loan applicant's location. The list of homeownership XXX 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 XXX for lenders to use in complying with the requirements of this section; or(XXX ata made available by the XXX 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 §1024.2(b) and as it relates to §1024.20 (list of homeownership counseling organizations provided not later than 3 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 XXX As not being open on XXX PLEASE 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, XXX 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 XXX organizations. Documentation required to clear exception: Provide homeownership XXX disclosure that was provided to the consumer within XXX business days of XXX of XX/XX/XXXX.
    
Client provided missing copy of HCO list that was provided on XX/XX/XXXX- exception resolved.; Client provided missing copy of HCO list that was provided on XX/XX/XXXX- exception resolved.; Document Uploaded.
04/02/2026
Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% 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
B
A
B
A
A
A
A
A
B
A
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20039
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/12/2026
Resolved
FCRE8999
Credit
No Credit Findings
The loan meets all applicable credit guidelines. The loan meets all applicable credit guidelines.
    
Informational
03/18/2026
Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% 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
B
A
A
A
A
A
A
A
B
A
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20039
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/12/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan.
    
Informational
03/18/2026
Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% 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
B
A
A
A
A
A
A
A
B
A
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20095
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/12/2026
Resolved
FCOM8997
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational
03/18/2026
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%
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20095
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/12/2026
Resolved
FCRE8999
Credit
No Credit Findings
The loan meets all applicable credit guidelines. The loan meets all applicable credit guidelines.
    
Informational
03/18/2026
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%
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20095
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/12/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan.
    
Informational
03/18/2026
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%
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20105
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/12/2026
Resolved
FCOM8997
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational
03/18/2026
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.
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20105
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/12/2026
Resolved
FCRE8999
Credit
No Credit Findings
The loan meets all applicable credit guidelines. The loan meets all applicable credit guidelines.
    
Informational
03/18/2026
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.
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20105
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/12/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan.
    
Informational
03/18/2026
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.
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20025
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/18/2026
Resolved
FCRE1241
Credit
Purchase Contract is Missing
Loan Purpose is Purchase but Purchase Contract Doc is Missing
Purchase Contract Document
03/19/2026
Purchase Contract Doc is not Missing, or is Not Applicable.; Contract provided; Document Uploaded.
03/19/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
D
A
D
A
D
A
A
A
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20025
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/12/2026
Resolved
FCOM8997
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational
03/18/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
D
A
A
A
D
A
A
A
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20025
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/13/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
03/18/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
D
A
A
A
D
A
A
A
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20025
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/18/2026
Resolved
FCRE8999
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational
03/18/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
D
A
A
A
D
A
A
A
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20055
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/12/2026
Resolved
FCOM8997
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational
03/18/2026
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%
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20055
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/13/2026
Resolved
FCRE8999
Credit
No Credit Findings
The loan meets all applicable credit guidelines. The loan meets all applicable credit guidelines.
    
Informational
03/18/2026
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%
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20055
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/13/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan.
    
Informational
03/18/2026
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%
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20097
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/13/2026
Resolved
FCRE1206
Credit
All Interested Parties Not Checked with Exclusionary Lists
All Interested Parties Not Checked with Exclusionary Lists. The Settlement Company and Settlement Agent were not checked against the exclusionary lists.
XXX_Updated Drive Report; Homeownership Counseling List and Audit Log
03/23/2026
All Interested Parties Checked against Exclusionary Lists; Fraud report provided; Document Uploaded. ; Countered - Client provided Homeownership Couseling - Condition is for updated fraud report showing Settlement Company and Settlement Agent were checked against the exclusionary lists.; Document Uploaded.
03/24/2026
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%
C
A
C
A
C
A
A
A
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20097
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/12/2026
Resolved
FCOM8997
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational
03/18/2026
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%
C
A
A
A
C
A
A
A
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20097
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/13/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
03/18/2026
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%
C
A
A
A
C
A
A
A
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20094
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/12/2026
Resolved
FCOM8997
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational
03/18/2026
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of 80% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20094
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/13/2026
Resolved
FCRE8999
Credit
No Credit Findings
The loan meets all applicable credit guidelines. The loan meets all applicable credit guidelines.
    
Informational
03/18/2026
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of 80% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20094
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/13/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan.
    
Informational
03/18/2026
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of 80% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
A
A
A
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A
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A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20240
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/12/2026
Resolved
FCOM8997
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational
03/18/2026
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.
A
A
A
A
A
A
A
A
A
A
A
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A
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A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20240
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/13/2026
Resolved
FCRE8999
Credit
No Credit Findings
The loan meets all applicable credit guidelines. The loan meets all applicable credit guidelines.
    
Informational
03/18/2026
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.
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
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A
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A
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A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20240
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/13/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan.
    
Informational
03/18/2026
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.
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
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A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20252
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/12/2026
Resolved
finding-3634
Compliance
Charges That Cannot Increase Test
This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of XXX is due to increase from XXX to XXX for discount points added to the final CD issued XX/XX/XXXX. Rate expired XX/XX/XXXX but no COC or re-lock in file to confirm increase in discount points was due to lock expiration.
Closing disclosure and letter of explanation on changed circumstance
03/19/2026
Valid COC provided; exception resolved; Valid COC provided; exception resolved; Document Uploaded.
03/20/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of 70% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of 70% | 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%
D
A
C
A
D
A
A
A
C
A
D
D
A
C
D
D
A
C
D
D
A
C
D
D
A
C
D
D
A
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20252
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/12/2026
Resolved
FCRE1201
Credit
Third Party Fraud Report not Provided
Missing Third Party Fraud Report
Fraud Report
03/19/2026
Third Party Fraud Report is provided; Fraud report provided; Document Uploaded.
03/20/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of 70% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of 70% | 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%
D
A
D
A
D
A
A
A
C
A
D
D
A
C
D
D
A
C
D
D
A
C
D
D
A
C
D
D
A
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20252
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/13/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
03/18/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of 70% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of 70% | 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%
D
A
A
A
D
A
A
A
C
A
D
D
A
C
D
D
A
C
D
D
A
C
D
D
A
C
D
D
A
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20250
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/12/2026
Resolved
FPRO1500
Property
HOA Questionnaire is Missing
HOA Questionnaire Missing
New HOA
03/19/2026
HOA Questionnaire Provided; Document Uploaded.
03/19/2026
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
D
A
D
A
A
A
D
A
A
A
D
A
D
A
D
A
D
A
D
A
D
A
D
A
D
A
D
A
D
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20250
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/12/2026
Resolved
FCOM8997
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational
03/18/2026
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
D
A
A
A
A
A
D
A
A
A
D
A
D
A
D
A
D
A
D
A
D
A
D
A
D
A
D
A
D
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20250
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/13/2026
Resolved
FCRE8999
Credit
No Credit Findings
The loan meets all applicable credit guidelines. The loan meets all applicable credit guidelines.
    
Informational
03/18/2026
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
D
A
A
A
A
A
D
A
A
A
D
A
D
A
D
A
D
A
D
A
D
A
D
A
D
A
D
A
D
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20022
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/16/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
03/18/2026
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%
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20022
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/16/2026
Resolved
FCRE8999
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational
03/18/2026
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%
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20022
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/16/2026
Resolved
FCOM8997
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational
03/18/2026
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%
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20058
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/16/2026
Resolved
FCRE1316
Credit
Borrower 1 3rd Party VOE Prior to Close Missing
Borrower 1 3rd Party VOE Prior to Close Missing The loan file contains a XXX dated XX/XX/XXXX; however, this verification reflects employment dates from XX/XX/XXXX through XX/XX/XXXX and lists the Borrower’s employment status as “previously XXX”. Additionally, the WVOE reports income only through XX/XX/XXXX. Although, the Borrower’s paystub dated XX/XX/XXXX shows continued employment and payroll activity, there is no VVOE in the file confirming active employment within XXX business days of the XX/XX/XXXX note date, as required. Please provide a current VVOE confirming the Borrower’s active employment status within the specified timeframe.
Verbal verification of Employment
03/25/2026
Borrower 1 3rd Party VOE Prior to Close Was Provided; VVOE dated XX/XX/XXXX; Document Uploaded.
03/26/2026
Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% 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
D
A
D
A
D
A
A
A
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20058
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/16/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
03/18/2026
Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% 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
D
A
A
A
D
A
A
A
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20058
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/17/2026
Resolved
FCOM8997
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational
03/18/2026
Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% 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
D
A
A
A
D
A
A
A
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20096
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/20/2026
Rescinded
finding-3634
Compliance
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). 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). Exception fired in error, cure was provided, exception rescinded Exception fired in error, cure was provided, exception rescinded
      
03/20/2026
  
C
A
C
A
A
A
A
A
C
A
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20096
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/13/2026
Resolved
finding-3532
Compliance
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 XXX  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 XXX  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 XXX  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 file is dated 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.
Closing disclosure
03/19/2026
Received Initial CD - exception resolved; Received Initial CD - exception resolved; Document Uploaded.
03/20/2026
Borrower has stable job time - Borrower has XXX years on job.
C
A
C
A
A
A
A
A
C
A
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20096
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/16/2026
Resolved
FCRE8999
Credit
No Credit Findings
The loan meets all applicable credit guidelines. The loan meets all applicable credit guidelines.
    
Informational
03/18/2026
Borrower has stable job time - Borrower has XXX years on job.
C
A
A
A
A
A
A
A
C
A
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20096
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/16/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan.
    
Informational
03/18/2026
Borrower has stable job time - Borrower has XXX years on job.
C
A
A
A
A
A
A
A
C
A
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20037
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/16/2026
Rescinded
FCOM1221
Credit
The Deed of Trust is Incomplete
The Deed of Trust is Incomplete The 3rd borrower, who will be a non-occupant, is not listed on the first page of the Deed of Trust nor did they sign this document.
Final Warranty deed
03/19/2026
Evidence provided - Rescinded; Document Uploaded.
03/20/2026
  
D
A
A
A
D
A
A
A
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20037
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/13/2026
Resolved
FCOM8997
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational
03/18/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
D
A
A
A
D
A
A
A
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20037
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/16/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
03/18/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
D
A
A
A
D
A
A
A
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20037
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/16/2026
Resolved
FCRE1241
Credit
Purchase Contract is Missing
Loan Purpose is Purchase but Purchase Contract Doc is Missing
    
Purchase Contract Doc is not Missing, or is Not Applicable.
03/18/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
D
A
D
A
D
A
A
A
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20075
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/16/2026
Resolved
FCOM3849
Compliance
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)). ocumentation required to clear exception: The document provided indicates that the borrower either received, or chose to waive the right to receive the appraisal at least XXX days prior to consummation, but does not confirm the borrower received the appraisal at or prior to consummation.  Provide documentation to show the date the borrower received the appraisal to confirm it was received by the borrower timely.
XXX Appraisal Delivery Evidence
03/20/2026
Evidence of appraisal delivery provided.; Document Uploaded.
03/23/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of 80%
B
A
B
A
A
A
A
A
B
A
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20075
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/16/2026
Resolved
FCRE8999
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational
03/18/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of 80%
B
A
A
A
A
A
A
A
B
A
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20075
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/16/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
03/18/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of 80%
B
A
A
A
A
A
A
A
B
A
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20078
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/16/2026
Resolved
FCOM8997
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational
03/18/2026
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%
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20078
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/16/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
03/18/2026
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%
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20078
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/16/2026
Resolved
FCRE8999
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational
03/18/2026
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%
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20109
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/16/2026
Resolved
FCRE8999
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational
03/18/2026
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
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20109
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/16/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
03/18/2026
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
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20109
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/16/2026
Resolved
FCOM8997
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational
03/18/2026
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
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20204
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/16/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan.
    
Informational
03/18/2026
Borrower has stable job time - Borrower has XXX years on job.
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20204
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/16/2026
Resolved
FCRE8999
Credit
No Credit Findings
The loan meets all applicable credit guidelines. The loan meets all applicable credit guidelines.
    
Informational
03/18/2026
Borrower has stable job time - Borrower has XXX years on job.
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20204
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/16/2026
Resolved
FCOM8997
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational
03/18/2026
Borrower has stable job time - Borrower has XXX years on job.
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20203
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/16/2026
Resolved
FCRE8999
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational
03/18/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20203
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/16/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
03/18/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20203
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/16/2026
Resolved
FCOM8997
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational
03/18/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20003
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/17/2026
Resolved
finding-3634
Compliance
Charges That Cannot Increase Test
This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of XXX is due to the addition of the Appraisal Update Fee of XXX to the initial CD dated XX/XX/XXXX. COC in file dated XX/XX/XXXX did not detail a valid reason for the fee addition. Please provide a valid COC or cure package.
XXX COC
03/23/2026
valid COC with applicable LE provided; exception resolved; valid COC with applicable LE provided; exception resolved; Document Uploaded.
03/24/2026
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.
D
A
C
A
D
A
A
A
C
A
D
D
A
C
D
D
A
C
D
D
A
C
D
D
A
C
D
D
A
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20003
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/16/2026
Resolved
FCRE0386
Credit
Borrower 1 Photo Identification not provided
Borrower 1 Photo Identification XXX. For Borrower 1 Identification document is missing
XXX ID Scans
03/23/2026
Photo Identification provided.; ID provided; Document Uploaded.
03/24/2026
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.
D
A
D
A
D
A
A
A
C
A
D
D
A
C
D
D
A
C
D
D
A
C
D
D
A
C
D
D
A
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20003
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/16/2026
Resolved
FCRE0387
Credit
Borrower 2 Photo Identification not provided
Borrower 2 Photo Identification XXX. For Borrower 2 Identification document is missing
XXX ID Scans
03/23/2026
Photo Identification provided.; ID provided; Document Uploaded.
03/24/2026
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.
D
A
D
A
D
A
A
A
C
A
D
D
A
C
D
D
A
C
D
D
A
C
D
D
A
C
D
D
A
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20003
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/16/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
03/19/2026
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.
D
A
A
A
D
A
A
A
C
A
D
D
A
C
D
D
A
C
D
D
A
C
D
D
A
C
D
D
A
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20028
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/17/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan.
    
Informational
03/19/2026
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% 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
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20028
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/17/2026
Resolved
FCRE8999
Credit
No Credit Findings
The loan meets all applicable credit guidelines. The loan meets all applicable credit guidelines.
    
Informational
03/19/2026
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% 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
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20028
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/17/2026
Resolved
FCOM8997
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational
03/19/2026
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% 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
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XXX
RATE2026J20112
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/18/2026
Resolved
FCOM8997
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational
03/19/2026
  
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XXX
RATE2026J20112
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/18/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
03/19/2026
  
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XXX
RATE2026J20112
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/18/2026
Resolved
FCRE8999
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational
03/19/2026
  
A
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XXX
RATE2026J20256
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/19/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan.
    
Informational
03/19/2026
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
A
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XXX
RATE2026J20256
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/19/2026
Resolved
FCRE8999
Credit
No Credit Findings
The loan meets all applicable credit guidelines. The loan meets all applicable credit guidelines.
    
Informational
03/19/2026
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
A
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XXX
RATE2026J20256
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/19/2026
Resolved
FCOM8997
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational
03/19/2026
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
A
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XXX
RATE2026J20253
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/18/2026
Resolved
FCOM8997
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational
03/19/2026
Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of 70% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
A
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XXX
RATE2026J20253
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/19/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
03/19/2026
Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of 70% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
A
A
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XXX
RATE2026J20253
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/19/2026
Resolved
FCRE8999
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational
03/19/2026
Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of 70% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
A
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XXX
RATE2026J20245
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/19/2026
Resolved
FCOM8997
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational
03/19/2026
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 XXX% is less than Guideline LTV of 70% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of 70%
A
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XXX
RATE2026J20245
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/19/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
03/19/2026
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 XXX% is less than Guideline LTV of 70% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of 70%
A
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XXX
RATE2026J20245
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/19/2026
Resolved
FCRE8999
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational
03/19/2026
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 XXX% is less than Guideline LTV of 70% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of 70%
A
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XXX
RATE2026J20239
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/19/2026
Resolved
FCOM8997
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational
03/19/2026
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
A
A
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XXX
RATE2026J20239
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/19/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
03/19/2026
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
A
A
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XXX
RATE2026J20239
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/19/2026
Resolved
FCRE8999
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational
03/19/2026
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
A
A
A
A
A
A
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XXX
RATE2026J20226
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/19/2026
Resolved
FCRE2371
Credit
Missing final HUD-1 from sale of non-subject property
Provide HUD-XXX from sale of non-subject property at XXX  not contained in loan file.
REO sale
03/23/2026
; HUD from sale provided.; Document Uploaded.
03/23/2026
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
D
A
D
A
D
A
A
A
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
A
A
A
A
A
A
A
A
A
A
A
A
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A
A
A
A
A
A
A
XXX
RATE2026J20226
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/19/2026
Resolved
FCOM8997
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational
03/19/2026
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
D
A
A
A
D
A
A
A
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20226
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/19/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan.
    
Informational
03/19/2026
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
D
A
A
A
D
A
A
A
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20202
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/19/2026
Cured
finding-3634
Compliance
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).
XXX - cure docs
03/25/2026
Cure package provided to borrower within XXX days of discovery. Exception downgraded to 2/B.; Cure package provided to borrower within XXX days of discovery. Exception downgraded to 2/B.; Document Uploaded. ; TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of XXX is due to increase from XXX to XXX for the Lenders Title Insurance paid to an affiliate on the Final CD dated XX/XX/XXXX without a COC.
03/25/2026
Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of 80% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% 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
C
B
C
B
A
A
A
A
C
B
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
XXX
RATE2026J20202
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/19/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
03/19/2026
Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of 80% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% 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
C
B
A
A
A
A
A
A
C
B
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
XXX
RATE2026J20202
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/19/2026
Resolved
FCRE8999
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational
03/19/2026
Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of 80% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% 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
C
B
A
A
A
A
A
A
C
B
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
XXX
RATE2026J20124
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/18/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
03/19/2026
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
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20124
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/18/2026
Resolved
FCRE8999
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational
03/19/2026
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
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
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A
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A
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A
A
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A
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A
A
XXX
RATE2026J20124
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/18/2026
Resolved
FCOM8997
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational
03/19/2026
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
A
A
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A
A
A
XXX
RATE2026J20121
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/18/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
03/19/2026
Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of 80% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% 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.
A
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A
XXX
RATE2026J20121
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/18/2026
Resolved
FCRE8999
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational
03/19/2026
Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of 80% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% 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.
A
A
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A
A
A
A
XXX
RATE2026J20121
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/18/2026
Resolved
FCOM8997
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational
03/19/2026
Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of 80% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% 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.
A
A
A
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A
A
A
A
A
XXX
RATE2026J20120
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/19/2026
Resolved
FCOM8997
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational
03/24/2026
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
A
A
A
A
A
A
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A
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A
A
A
A
A
A
A
XXX
RATE2026J20120
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/19/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
03/24/2026
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
A
A
A
A
A
A
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A
A
A
A
A
A
A
XXX
RATE2026J20120
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/19/2026
Resolved
FCRE8999
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational
03/24/2026
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
A
A
A
A
A
A
A
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A
A
A
A
A
A
A
XXX
RATE2026J20110
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/19/2026
Resolved
FCRE1201
Credit
Third Party Fraud Report not Provided
Missing Third Party Fraud Report Third Party Fraud Report is missing
Third Party Fraud Report
03/26/2026
Third Party Fraud Report is provided; Fraud report provided; Document Uploaded.
03/30/2026
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
D
A
D
A
D
A
A
A
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20110
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/19/2026
Resolved
FCOM8997
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational
03/24/2026
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
D
A
A
A
D
A
A
A
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20110
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/19/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
03/24/2026
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
D
A
A
A
D
A
A
A
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20104
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/19/2026
Resolved
FCOM8997
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational
03/24/2026
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 CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of 80% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of 80%
A
A
A
A
A
A
A
A
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A
A
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A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20104
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/19/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
03/24/2026
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 CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of 80% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of 80%
A
A
A
A
A
A
A
A
A
A
A
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A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20104
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/20/2026
Resolved
FCRE8999
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational
03/24/2026
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 CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of 80% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of 80%
A
A
A
A
A
A
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A
A
A
A
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A
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A
A
A
A
A
A
A
XXX
RATE2026J20086
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/19/2026
Resolved
FCOM8997
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational
03/19/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
A
A
A
A
A
A
A
A
A
A
A
A
A
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A
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A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20086
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/19/2026
Resolved
FCRE8999
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational
03/19/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
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A
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A
A
A
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A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20086
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/19/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
03/19/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
A
A
A
A
A
A
A
A
A
A
A
A
A
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A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20102
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/20/2026
Resolved
FCOM8997
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational
03/24/2026
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of 80% | Borrower has stable job time - Borrower has XXX years on job.
A
A
A
A
A
A
A
A
A
A
A
A
A
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A
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A
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A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20102
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/20/2026
Resolved
FCRE8999
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational
03/24/2026
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of 80% | Borrower has stable job time - Borrower has XXX years on job.
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
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A
A
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A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20102
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/20/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
03/24/2026
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of 80% | Borrower has stable job time - Borrower has XXX years on job.
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
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A
A
A
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A
A
A
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A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20012
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/20/2026
Resolved
FCRE8999
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational
03/24/2026
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
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
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A
A
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A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20012
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/20/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
03/24/2026
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
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20012
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/20/2026
Resolved
FCOM8997
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational
03/24/2026
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
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20030
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/20/2026
Resolved
FCRE1186
Credit
Audited DTI Exceeds AUS DTI
Audited DTI of XXX% exceeds AUS DTI of XXX% DTI increased after inclusion of lease payment for rent in XXX. LOE from borrower explains borrower will continue to maintain the apartment in XXX after purchase of the subject property. Asset documentation in file reflects the borrower is paying the lease, VOM and Lease agreement in file reflect the borrower is the responsible party. File also contains a LOE from the borrower's employer noting that relocation assistance was approved and eligible for up to XXX months; however, does not indicate the amount of temporary housing support, that the employer is paying the lease, has assumed the lease, or that the borrower was released from the lease. As such, this liability has been included in the borrower's total debts. DTI increased above the resubmission tolerance and guidelines max DTI.
    
Audited DTI of XXX% is less than or equal to AUS DTI of XXX%; Audited DTI of XXX% is less than or equal to AUS DTI of XXX%; Document Uploaded.
05/05/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
C
A
C
A
C
A
A
A
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20030
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/20/2026
Resolved
FCOM8997
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational
03/24/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
C
A
A
A
C
A
A
A
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20030
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/23/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
03/24/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
C
A
A
A
C
A
A
A
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20084
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/20/2026
Resolved
FCOM8997
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational
03/24/2026
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
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20084
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/20/2026
Resolved
FCRE8999
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational
03/24/2026
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
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20084
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/20/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
03/24/2026
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
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20114
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/20/2026
Resolved
FCRE1201
Credit
Third Party Fraud Report not Provided
Missing Third Party Fraud Report Unable to locate fraud report in file.
XXX Fraud
03/26/2026
Third Party Fraud Report is provided; Fraud provided; Document Uploaded.
03/30/2026
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
D
A
D
A
D
A
A
A
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20114
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/20/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
03/24/2026
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
D
A
A
A
D
A
A
A
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20114
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/20/2026
Resolved
FCOM8997
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational
03/24/2026
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
D
A
A
A
D
A
A
A
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20068
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/20/2026
Resolved
FCRE1491
Credit
Asset Qualification Does Not Meet Guideline Requirements
Asset Qualification Does Not Meet Guideline Requirements  XXX not verified as cleared from borrowers account, per wire funds were sent on XX/XX/XXXX from XXX account. Most recent Statement for XXX is dated through XX/XX/XXXX. In addition, wire of XXX was sent to closing on behalf of borrowers, with wire date of XX/XX/XXXX, showing from XXX . Most recent XXX  Statement is dated through XX/XX/XXXX and had a total balance of $XXX. Verified amount of assets XXX via Statements in file dated through XX/XX/XXXX are insufficient to cover closing costs and reserves required.
Supporting documents (Receipt and Check_$XXX,1008-UW Comments for Secured Loan, $XXX Secured Promissory Note and Docs, (Wire) and letter of explanation)
03/30/2026
Asset Qualification Meets Guideline Requirements.; Document Uploaded. ; Asset Qualification Does Not Meet Guideline Requirements.  XXX not verified as cleared from borrowers account, per wire funds were sent on XX/XX/XXXX from XXX account. Most recent Statement for XXX is dated through XX/XX/XXXX. In addition, wire of XXX was sent to closing on behalf of borrowers, with wire date of XX/XX/XXXX, showing from XXX . Most recent XXX  Statement is dated through XX/XX/XXXX and had a total balance of $XXX. Verified amount of assets XXX via Statements in file dated through XX/XX/XXXX are insufficient to cover closing costs and reserves required.
03/31/2026
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
D
A
C
A
D
A
A
A
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20068
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/20/2026
Resolved
FCRE3843
Credit
Guideline Seasoning not Met
The required number of months reserves are to be seasoned does not meet Guideline requirement. XXX not verified as cleared from borrowers account, per wire funds were sent on XX/XX/XXXX from XXX account. Most recent Statement for XXX is dated through XX/XX/XXXX. In addition, wire of XXX was sent to closing on behalf of borrowers, with wire date of XX/XX/XXXX, showing from XXX XXX. Most recent XXX XXX Statement is dated through XX/XX/XXXX and had a total balance of $XXX. Verified amount of assets XXX via Statements in file dated through XX/XX/XXXX are insufficient to cover closing costs and reserves required. Required subject reserves are XXX and additional amount of XXX required for XXX day account excluded for a total reserve requirement of XXX
Supporting documents (Receipt and Check_$XXX,1008-UW Comments for Secured Loan, $XXX Secured Promissory Note and Docs, (Wire) and letter of explanation)
03/30/2026
The required number of months reserves are to be seasoned does meet Guideline requirement.; Client provided explanation and evidence of assets. ; Document Uploaded.
03/31/2026
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
D
A
D
A
D
A
A
A
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20068
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/20/2026
Resolved
FCRE0382
Credit
Assets do not meet guideline requirements
When the Total Qualified Asset Post Close field contains a negative value, the required assets do not meet guidelines.  XXX not verified as cleared from borrowers account, per wire funds were sent on XX/XX/XXXX from XXX account. Most recent Statement for XXX is dated through XX/XX/XXXX. In addition, wire of XXX was sent to closing on behalf of borrowers, with wire date of XX/XX/XXXX, showing from XXX XXX. Most recent XXX XXX Statement is dated through XX/XX/XXXX and had a total balance of $XXX. Verified amount of assets XXX via Statements in file dated through XX/XX/XXXX are insufficient to cover closing costs and reserves required.
Supporting documents (Receipt and Check_$XXX,1008-UW Comments for Secured Loan, $XXX Secured Promissory Note and Docs, (Wire) and letter of explanation)
03/30/2026
Funds are found to meet guidelines.; Document Uploaded.
03/31/2026
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
D
A
C
A
D
A
A
A
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20068
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/20/2026
Resolved
FCRE9995
Credit
Audited Reserves are less than Guideline Required Reserves (Dollar Amount)
Audited Reserves of XXX are less than Guideline Required Reserves of $XXX.  XXX not verified as cleared from borrowers account, per wire funds were sent on XX/XX/XXXX from XXX account. Most recent Statement for XXX is dated through XX/XX/XXXX. In addition, wire of XXX was sent to closing on behalf of borrowers, with wire date of XX/XX/XXXX, showing from XXX XXX. Most recent XXX XXX Statement is dated through XX/XX/XXXX and had a total balance of $XXX. Verified amount of assets XXX via Statements in file dated through XX/XX/XXXX are insufficient to cover closing costs and reserves required. Required subject reserves are XXX and additional amount of XXX required for XXX open XXX day account excluded for a total reserve requirement of XXX
Supporting documents (Receipt and Check_$XXX,1008-UW Comments for Secured Loan, $XXX Secured Promissory Note and Docs, (Wire) and letter of explanation)
03/30/2026
Audited Reserves of XXX are equal to or greater than AUS Required Reserves of $XXX.; Document Uploaded.
03/31/2026
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
D
A
C
A
D
A
A
A
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20068
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/20/2026
Resolved
FCRE1198
Credit
Audited Reserves are less than Guideline Required Reserves (Number of Months)
Audited Reserves of month(s) are less than Guideline Required Reserves of XXX month(s)  XXX not verified as cleared from borrowers account, per wire funds were sent on XX/XX/XXXX from XXX account. Most recent Statement for XXX is dated through XX/XX/XXXX. In addition, wire of XXX was sent to closing on behalf of borrowers, with wire date of XX/XX/XXXX, showing from XXX XXX. Most recent XXX XXX Statement is dated through XX/XX/XXXX and had a total balance of $XXX. Verified amount of assets XXX via Statements in file dated through XX/XX/XXXX are insufficient to cover closing costs and reserves required. Required subject reserves are XXX and additional amount of XXX required for XXX open XXX day account excluded for a total reserve requirement of XXX
Supporting documents (Receipt and Check_$XXX,1008-UW Comments for Secured Loan, $XXX Secured Promissory Note and Docs, (Wire) and letter of explanation)
03/30/2026
Audited Reserves of XXX month(s) are greater than or equal to Guideline Required Reserves of XXX month(s); Document Uploaded.
03/31/2026
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
D
A
C
A
D
A
A
A
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20068
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/20/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
03/24/2026
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
D
A
A
A
D
A
A
A
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20068
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/20/2026
Resolved
FCOM8997
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational
03/24/2026
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
D
A
A
A
D
A
A
A
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20106
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/23/2026
Resolved
FCRE1159
Credit
Hazard Insurance Effective Date is after the Disbursement Date
Hazard Insurance Effective Date of XX/XX/XXXX is after the Disbursement Date of XX/XX/XXXX. Provide evidence of Hazard insurance on or prior to disbursement date of XX/XX/XXXX.
evidence of Hazard insurance
03/26/2026
Hazard Insurance Effective Date of XX/XX/XXXX is prior to or equal to the Disbursement Date of XX/XX/XXXX Or Hazard Insurance Effective Date Is XXX.; HOI provided. ; Document Uploaded.
03/30/2026
Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% 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
C
A
C
A
C
A
A
A
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20106
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/23/2026
Resolved
FCOM8997
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational
03/24/2026
Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% 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
C
A
A
A
C
A
A
A
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20106
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/24/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan.
    
Informational
03/24/2026
Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% 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
C
A
A
A
C
A
A
A
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20014
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/23/2026
Resolved
finding-3634
Compliance
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).
XXX initial disclosure package (XXX)
04/03/2026
Initial LE provided; exception resolved; Initial LE provided; exception resolved; Document Uploaded. ; TILA 130b Cure Required. Refund in the amount of $XXX: cure package requires a PCCD, LOE, Copy of Refund Check, and proof of delivery. The exception is tied to the missing Initial LE issued within XXX business days of the XXX of XX/XX/XXXX, as the earliest available LE is dated XX/XX/XXXX. Please provide the initial LE issued within XXX business days of the XXX of XX/XX/XXXX. Additional testing will be completed, once the initial LE is provided.; Resolved
04/06/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV 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% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of 80%
D
A
C
A
D
A
A
A
C
A
D
D
A
C
D
D
A
C
D
D
A
C
D
D
A
C
D
D
A
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20014
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/23/2026
Resolved
finding-3635
Compliance
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).
XXX initial disclosure package (XXX)
04/03/2026
Initial LE provided; exception resolved; Initial LE provided; exception resolved; Document Uploaded. ; TILA 130b Cure Required. Refund in the amount of $XXX: cure package requires a PCCD, LOE, Copy of Refund Check, and proof of delivery. The exception is tied to the missing Initial LE issued within XXX business days of the XXX of XX/XX/XXXX, as the earliest available LE is dated XX/XX/XXXX. Please provide the initial LE issued within XXX business days of the XXX of XX/XX/XXXX. Additional testing will be completed, once the initial LE is provided.; Resolved
04/06/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV 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% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of 80%
D
A
C
A
D
A
A
A
C
A
D
D
A
C
D
D
A
C
D
D
A
C
D
D
A
C
D
D
A
C
A
A
A
A
A
A
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A
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A
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A
A
A
A
A
A
A
A
A
XXX
RATE2026J20014
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/24/2026
Resolved
finding-3367
Compliance
RESPA Homeownership Counseling Organizations Disclosure Date Test
This loan failed the  XXX  disclosure date test due to the following findings: (12 CFR §1024.20(a) he loan has a homeownership XXX organizations disclosure date that is not within three business days of the loan Originator's XXX (or the date creditor received application if loan Originator's XXX is XXX); orThe homeownership XXX 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 XXX organizations that provide relevant XXX services in the loan applicant's location. The list of homeownership XXX 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 XXX for lenders to use in complying with the requirements of this section; or(XXX ata made available by the XXX 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 §1024.2(b) and as it relates to §1024.20 (list of homeownership counseling organizations provided not later than 3 business days after a loan originator receives an application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:NonePlease note: This test does not validate the content of any list of homeownership XXX organizations. Documentation required to clear exception: Provide homeownership XXX disclosure that was provided to the consumer within XXX-business days of application, XX/XX/XXXX.
XXX initial disclosure package (XXX)
04/03/2026
Initial HOC provided; exception resolved; Initial HOC provided; exception resolved; Document Uploaded.
04/06/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV 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% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of 80%
D
A
B
A
D
A
A
A
C
A
D
D
A
C
D
D
A
C
D
D
A
C
D
D
A
C
D
D
A
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20014
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/24/2026
Resolved
finding-3515
Compliance
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 XXX , 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:NoneThe 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. Documentation required to clear exception. The Initial Loan Estimate dated XX/XX/XXXX (per compliance report in file) is missing from the loan file. The earliest LE in the loan file was issued on XX/XX/XXXX. The violation can be cured by providing the initial LE within XXX days of XXX XX/XX/XXXX
XXX initial disclosure package (XXX)
04/03/2026
Initial LE provided; exception resolved; Initial LE provided; exception resolved; Document Uploaded.
04/06/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV 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% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of 80%
D
A
C
A
D
A
A
A
C
A
D
D
A
C
D
D
A
C
D
D
A
C
D
D
A
C
D
D
A
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20014
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/24/2026
Resolved
FCRE6616
Credit
VOE performed more than 10 days prior to closing
The VOE dated XX/XX/XXXX on page XXX for Brw#XXX from employer XXX is past XXX days prior to closing XX/XX/XXXX.
XXX VOE
04/03/2026
; Evidence provided; Document Uploaded.
04/06/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV 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% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of 80%
D
A
C
A
D
A
A
A
C
A
D
D
A
C
D
D
A
C
D
D
A
C
D
D
A
C
D
D
A
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20014
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/24/2026
Resolved
FCRE1365
Credit
Borrower 2 IRS Transcripts Missing
Borrower 2 IRS Transcripts Missing The W2 Wage and Income Transcripts for Borrower #XXX are not present in the file. The existing transcripts are for borrower #XXX. Located on pages XXX
XXX B2 W2 Transcripts
03/26/2026
Borrower 2 IRS Transcripts Provided or Not Applicable (Number of Borrowers equals XXX); W2 evidence / transcripts provided; Document Uploaded.
04/06/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV 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% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of 80%
D
A
D
A
D
A
A
A
C
A
D
D
A
C
D
D
A
C
D
D
A
C
D
D
A
C
D
D
A
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20014
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/24/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
03/24/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV 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% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of 80%
D
A
A
A
D
A
A
A
C
A
D
D
A
C
D
D
A
C
D
D
A
C
D
D
A
C
D
D
A
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20071
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/23/2026
Resolved
FCOM8997
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational
03/24/2026
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.
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
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A
A
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A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20071
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/24/2026
Resolved
FCRE8999
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational
03/24/2026
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.
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
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A
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A
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A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20071
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/24/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
03/24/2026
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.
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
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A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20073
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/23/2026
Resolved
FCOM8997
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational
03/24/2026
Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of 80%
A
A
A
A
A
A
A
A
A
A
A
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A
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A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20073
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/24/2026
Resolved
FCRE8999
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational
03/24/2026
Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of 80%
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
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A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20073
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/24/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
03/24/2026
Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of 80%
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20123
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/23/2026
Resolved
finding-3532
Compliance
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 XXX  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 XXX  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 XXX  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 file is dated 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.
XXX ICD
03/25/2026
Initial CD provided; Exception resolved; Initial CD provided; Exception resolved; Document Uploaded.
03/26/2026
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%
C
A
C
A
A
A
A
A
C
A
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20123
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/24/2026
Resolved
FCRE8999
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational
03/24/2026
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%
C
A
A
A
A
A
A
A
C
A
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20123
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/24/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
03/24/2026
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%
C
A
A
A
A
A
A
A
C
A
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20057
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/24/2026
Resolved
FCRE1164
Credit
Flood Insurance Policy Missing
Missing Flood Insurance Policy
HOI POLICY UPDATED
04/06/2026
Flood Insurance Policy is fully present; Coverage provided; Document Uploaded.
04/07/2026
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.
D
A
D
A
D
A
A
A
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20057
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/23/2026
Resolved
FCOM8997
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational
03/24/2026
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.
D
A
A
A
D
A
A
A
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20057
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/24/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
03/24/2026
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.
D
A
A
A
D
A
A
A
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20103
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/23/2026
Resolved
FCOM8997
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational
03/24/2026
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
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
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XXX
RATE2026J20103
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/24/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan.
    
Informational
03/24/2026
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
A
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XXX
RATE2026J20103
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/24/2026
Resolved
FCRE8999
Credit
No Credit Findings
The loan meets all applicable credit guidelines. The loan meets all applicable credit guidelines.
    
Informational
03/24/2026
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
A
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XXX
RATE2026J20036
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/23/2026
Resolved
FCRE8999
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational
03/24/2026
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
A
A
A
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XXX
RATE2026J20036
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/23/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
03/24/2026
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
A
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XXX
RATE2026J20036
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/24/2026
Resolved
FCOM8997
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational
03/24/2026
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
A
A
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XXX
RATE2026J20056
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/24/2026
Resolved
FCRE9814
Credit
Missing Trust Agreement
Missing Trust Agreement Provide Trust Agreement, not contained in loan file.
XXX Trust
03/25/2026
Trust Agreement Meets Guideline Requirements; Trust provided; Document Uploaded.
03/30/2026
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%
D
A
D
A
D
A
D
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D
D
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XXX
RATE2026J20056
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/24/2026
Resolved
FCRE1316
Credit
Borrower 1 3rd Party VOE Prior to Close Missing
Borrower 1 3rd Party VOE Prior to Close Missing Provide 3rd Party VOE not contained in loan file.
XXX VOE
03/25/2026
Borrower 1 3rd Party VOE Prior to Close Was Provided; Web evidence and VOE provided; Document Uploaded.
03/30/2026
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%
D
A
D
A
D
A
D
A
A
A
D
D
D
A
D
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D
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D
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D
A
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A
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XXX
RATE2026J20056
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/24/2026
Resolved
FCRE1334
Credit
Borrower 1 Executed 4506-T Missing
Borrower 1 Executed 4506-T Missing Provide executed XXX-T.
XXX 4506C (XXX)
03/25/2026
Borrower 1 Executed XXX-T Provided; Document Uploaded.
03/30/2026
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%
D
A
D
A
D
A
D
A
A
A
D
D
D
A
D
D
D
A
D
D
D
A
D
D
D
A
D
D
D
A
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A
A
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A
A
A
A
A
A
A
XXX
RATE2026J20056
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/24/2026
Resolved
FCRE1347
Credit
Borrower 2 3rd Party VOE Prior to Close Missing
Borrower 2 3rd Party VOE Prior to Close Missing Provide Borrower 2, 3rd Party VOE not contained in loan file.
XXX VOE Updated; XXX VOE
03/27/2026
Borrower 2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals XXX); VVOE provided; Document Uploaded. ; Client provided VOE evidence for B1 - Missing B2; VOE and web printout; Document Uploaded.
03/30/2026
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%
D
A
D
A
D
A
D
A
A
A
D
D
D
A
D
D
D
A
D
D
D
A
D
D
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A
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D
D
A
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A
A
A
A
XXX
RATE2026J20056
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/24/2026
Resolved
FCRE1364
Credit
Borrower 2 Executed 4506-T Missing
Borrower 2 Executed 4506-T Missing Provide Borrower 2 executed XXX-T.
XXX 4506C
03/25/2026
Borrower 2 Executed XXX-T Provided or Not Applicable (Number of Borrowers equals XXX); Document Uploaded.
03/30/2026
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%
D
A
D
A
D
A
D
A
A
A
D
D
D
A
D
D
D
A
D
D
D
A
D
D
D
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D
D
D
A
A
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A
A
A
A
A
A
A
A
A
XXX
RATE2026J20056
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/24/2026
Resolved
FCRE1437
Credit
Income and Employment Do Not Meet Guidelines
Income and Employment Do Not Meet Guidelines File does not contain any documentation to fully evaluate borrowers income and employment.
XXX Income
03/25/2026
Income and Employment Meet Guidelines; Document Uploaded.
03/30/2026
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%
D
A
C
A
D
A
D
A
A
A
D
D
D
A
D
D
D
A
D
D
D
A
D
D
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D
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A
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A
A
A
A
A
A
XXX
RATE2026J20056
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/24/2026
Resolved
FPRO1242
Property
Appraisal is Missing
Appraisal is Missing. Provide appraisal report, not contained in loan file.
XXX Appraisal
03/25/2026
Appraisal is Present or is Waived; Appraisal provided; Document Uploaded.
03/30/2026
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%
D
A
D
A
D
A
D
A
A
A
D
D
D
A
D
D
D
A
D
D
D
A
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A
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A
A
A
A
A
A
XXX
RATE2026J20056
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/24/2026
Resolved
FCRE1161
Credit
Flood Certificate Missing
Missing Flood Certificate Provide Flood Certificate, not contained in loan file.
XXX Flood
03/25/2026
Flood Certificate is fully present; Flood provided; Missing Flood Certificate; Document Uploaded.
03/30/2026
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%
D
A
D
A
D
A
D
A
A
A
D
D
D
A
D
D
D
A
D
D
D
A
D
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A
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XXX
RATE2026J20056
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/24/2026
Resolved
FCRE1157
Credit
Hazard Insurance Policy is Missing
Missing Hazard Insurance Policy Provide Hazard Insurance Policy not contained in loan file.
XXX HOI
03/25/2026
Hazard Insurance Policy is fully present; HOI evidence provided; Document Uploaded.
03/30/2026
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%
D
A
D
A
D
A
D
A
A
A
D
D
D
A
D
D
D
A
D
D
D
A
D
D
D
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D
D
A
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A
A
A
A
A
XXX
RATE2026J20056
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/24/2026
Resolved
FCRE1186
Credit
Audited DTI Exceeds AUS DTI
Audited DTI of XXX% exceeds AUS DTI of XXX% due to income documentation not contained in loan file.
    
Audited DTI of XXX% is less than or equal to AUS DTI of XXX%
03/30/2026
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%
D
A
C
A
D
A
D
A
A
A
D
D
D
A
D
D
D
A
D
D
D
A
D
D
D
A
D
D
D
A
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A
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A
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A
A
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A
A
A
A
A
A
A
XXX
RATE2026J20056
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/24/2026
Resolved
FPRO9990
Property
Third Party Valuation Product Not Provided within 10% Tolerance
Third Party Valuation Product XXX or XXX Within Tolerance. Provide Third Party Valuation Product, not contained in loan file.
UCDP submission summary report (SSR)
03/26/2026
Third party valuation product provided within tolerance.; Document Uploaded.
03/30/2026
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%
D
A
C
A
D
A
D
A
A
A
D
D
D
A
D
D
D
A
D
D
D
A
D
D
D
A
D
D
D
A
A
A
A
A
A
A
A
A
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A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20056
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/24/2026
Resolved
FCRE1201
Credit
Third Party Fraud Report not Provided
Missing Third Party Fraud Report Provide Third Party Fraud Report.
XXX Fraud
03/25/2026
Third Party Fraud Report is provided; Evidence provided; Document Uploaded.
03/30/2026
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%
D
A
D
A
D
A
D
A
A
A
D
D
D
A
D
D
D
A
D
D
D
A
D
D
D
A
D
D
D
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20056
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/24/2026
Resolved
FCRE1241
Credit
Purchase Contract is Missing
Loan Purpose is Purchase but Purchase Contract Doc is Missing
    
Purchase Contract Doc is not Missing, or is Not Applicable.; Loan Purpose is Purchase but Purchase Contract Doc is Missing; Purchase Contract Doc is not Missing, or is Not Applicable.; Purchase Contract Doc is not Missing, or is Not Applicable.
03/30/2026
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%
D
A
D
A
D
A
D
A
A
A
D
D
D
A
D
D
D
A
D
D
D
A
D
D
D
A
D
D
D
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20056
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/24/2026
Resolved
FCRE7497
Credit
Missing verification of taxes, insurance, and/or HOA fees for non-subject property
Provide verification of taxes, insurance, and/or HOA fees for non-subject property XXX not contained in loan file.
Supporting documents REO properties.; XXX REO
03/26/2026
REO evidence provided. ; Document Uploaded. ; Countered - Client provided evidence for XXX only. Provide additional evidence for remainder of REO properties. ; Document Uploaded.
03/30/2026
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%
D
A
D
A
D
A
D
A
A
A
D
D
D
A
D
D
D
A
D
D
D
A
D
D
D
A
D
D
D
A
A
A
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A
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A
A
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A
A
A
A
A
A
A
A
XXX
RATE2026J20056
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/23/2026
Resolved
FCOM8997
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational
03/24/2026
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%
D
A
A
A
D
A
D
A
A
A
D
D
D
A
D
D
D
A
D
D
D
A
D
D
D
A
D
D
D
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20083
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/23/2026
Resolved
FCOM8997
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational
03/24/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years on job.
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
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A
A
A
A
A
A
A
XXX
RATE2026J20083
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/23/2026
Resolved
FCRE8999
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational
03/24/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years on job.
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
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A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20083
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/23/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
03/24/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years on job.
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20004
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/23/2026
Resolved
FCRE1201
Credit
Third Party Fraud Report not Provided
Missing Third Party Fraud Report
XXX Fraud
04/01/2026
Third Party Fraud Report is provided; Fraud provided; Document Uploaded.
04/02/2026
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
D
A
D
A
D
A
A
A
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20004
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/23/2026
Resolved
FCRE1161
Credit
Flood Certificate Missing
Missing Flood Certificate
XXX Flood
04/01/2026
Flood Certificate is fully present; Cert provided; Document Uploaded.
04/02/2026
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
D
A
D
A
D
A
A
A
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20004
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/23/2026
Resolved
FCRE1157
Credit
Hazard Insurance Policy is Missing
Missing Hazard Insurance Policy
XXX HOI
04/01/2026
Hazard Insurance Policy is fully present; HOI Provided; Document Uploaded.
04/02/2026
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
D
A
D
A
D
A
A
A
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20004
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/25/2026
Resolved
FCRE1241
Credit
Purchase Contract is Missing
Loan Purpose is Purchase but Purchase Contract Doc is Missing
    
Loan Purpose is Purchase but Purchase Contract Doc is Missing; Purchase Contract Doc is not Missing, or is Not Applicable.; Purchase Contract Doc is not Missing, or is Not Applicable.
04/02/2026
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
D
A
D
A
D
A
A
A
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20004
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/23/2026
Resolved
FCOM8997
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational
03/26/2026
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
D
A
A
A
D
A
A
A
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20004
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/24/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
03/26/2026
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
D
A
A
A
D
A
A
A
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20045
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/23/2026
Resolved
finding-3635
Compliance
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). TILA 130b Cure Required. Refund in the amount of XXX cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The XXX% tolerance violation in the amount of XXX is due to increase from XXX to XXX for the Title Service Fee, from XXX to XXX for the Title Endorsement Fee. Title company on final CD and SPL have same name but different address's, further clarification needed if title companies are not the same and borrower shopped for services.
XXX_Rebuttal LOX
03/25/2026
Lender confirmed borrower shopped for title services and the difference in office address caused the change in fees; exception resolved; Lender confirmed borrower shopped for title services and the difference in office address caused the change in fees; exception resolved; Document Uploaded.
03/26/2026
Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
C
A
C
A
A
A
A
A
C
A
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20045
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/24/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
03/24/2026
Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
C
A
A
A
A
A
A
A
C
A
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20045
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/24/2026
Resolved
FCRE8999
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational
03/24/2026
Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
C
A
A
A
A
A
A
A
C
A
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20020
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/24/2026
Resolved
FCOM1221
Credit
The Deed of Trust is Incomplete
The Deed of Trust is Incomplete Borrower XXX on the Note, who will be a non-occupant, is not listed on the Deed of Trust and did not sign this document.
Borrower 3 is a co-signor so they would not be on the deed or any other recordable documents
03/27/2026
The Deed of Trust is Present and Complete;
03/27/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
D
A
D
A
D
A
A
A
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20020
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/24/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
03/24/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
D
A
A
A
D
A
A
A
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20020
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/24/2026
Resolved
FCOM8997
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational
03/24/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
D
A
A
A
D
A
A
A
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20077
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/23/2026
Resolved
FCOM8997
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational
03/24/2026
  
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20077
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/24/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
03/24/2026
  
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20077
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/24/2026
Resolved
FCRE8999
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational
03/24/2026
  
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20067
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/23/2026
Resolved
FCRE1145
Credit
Title Document Missing
Title Document is missing Title report is missing
XXX_Title Report
03/25/2026
Title Document is fully Present; Title provided; Document Uploaded.
03/26/2026
Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of 80% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of 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.
D
A
D
A
D
A
A
A
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20067
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/23/2026
Resolved
FCOM8997
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational
03/24/2026
Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of 80% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of 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.
D
A
A
A
D
A
A
A
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20067
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/24/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
03/24/2026
Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of 80% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of 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.
D
A
A
A
D
A
A
A
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20061
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/23/2026
Resolved
finding-3532
Compliance
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 XXX  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 XXX  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 XXX  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. The disclosure dated XX/XX/XXXX and signed XX/XX/XXXX and was therefore not received by the consumer XXX days prior to the consummation date, XX/XX/XXXX. The violation can be cured by providing proof of delivery/receipt of Initial CD at least XXX days prior to closing.
XXX_Initial CD
03/25/2026
Initial CD provided; exception resolved; Initial CD provided; exception resolved; Document Uploaded.
03/26/2026
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 CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of 80% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
C
A
C
A
A
A
A
A
C
A
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20061
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/24/2026
Resolved
FCRE8999
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational
03/24/2026
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 CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of 80% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
C
A
A
A
A
A
A
A
C
A
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20061
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/24/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
03/24/2026
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 CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of 80% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
C
A
A
A
A
A
A
A
C
A
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20047
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/23/2026
Resolved
FCOM8997
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational
03/24/2026
Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% 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 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
A
A
A
A
A
A
A
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A
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A
A
A
A
A
A
A
A
A
XXX
RATE2026J20047
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/24/2026
Resolved
FCRE8999
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational
03/24/2026
Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% 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 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
A
A
A
A
A
A
A
A
A
A
A
A
A
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A
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A
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A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20047
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/24/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
03/24/2026
Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% 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 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
A
A
A
A
A
A
A
A
A
A
A
A
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A
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A
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A
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A
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A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20040
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/23/2026
Resolved
FCOM8997
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational
03/24/2026
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. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of 80%
A
A
A
A
A
A
A
A
A
A
A
A
A
A
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A
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A
A
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A
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A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20040
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/23/2026
Resolved
FCRE8999
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational
03/24/2026
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. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of 80%
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
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A
A
A
A
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A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20040
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/23/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
03/24/2026
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. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of 80%
A
A
A
A
A
A
A
A
A
A
A
A
A
A
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A
A
A
A
A
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A
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A
A
A
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A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20034
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/24/2026
Resolved
FCRE1157
Credit
Hazard Insurance Policy is Missing
Missing Hazard Insurance Policy Unable to locate HOI policy in file. Letter from HOI reflects coverage amount, but does not reflect premium, mortgagee clause, or effective dates.
HOI document
03/27/2026
Hazard Insurance Policy is fully present; Policy declaration provided; Document Uploaded.
04/02/2026
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
D
A
D
A
D
A
A
A
C
A
D
D
A
C
D
D
A
C
D
D
A
C
D
D
A
C
D
D
A
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20034
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/24/2026
Resolved
FCRE1185
Credit
AUS Partially Provided
AUS Partially Provided. DU AUS A/I #XXX in file does not appear to be final. DU reflects ineligible due to DTI and high balance, It also only reflects XXX income for B2. 1008 and 1003 reflect XXX incomes and DTI within DU and lender guidelines, aligning with UW commentary in file.
AUS; Initial Disclosures
04/01/2026
AUS is not incomplete.; DU submission #XXX provided. ; Document Uploaded. ; Countered - Client evidence does not pertain to actual condition. ; Document Uploaded.
04/02/2026
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
D
A
D
A
D
A
A
A
C
A
D
D
A
C
D
D
A
C
D
D
A
C
D
D
A
C
D
D
A
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20034
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/24/2026
Resolved
finding-3367
Compliance
RESPA Homeownership Counseling Organizations Disclosure Date Test
This loan failed the homeownership XXX organizations disclosure date test due to the following findings: (12 CFR §1024.20(a) he loan has a homeownership XXX organizations disclosure date that is not within three business days of the loan Originator's XXX (or the date creditor received application if loan Originator's XXX is XXX); orThe homeownership XXX 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 XXX organizations that provide relevant XXX services in the loan applicant's location. The list of homeownership XXX 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 XXX for lenders to use in complying with the requirements of this section; or(XXX ata made available by the XXX 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 §1024.2(b) and as it relates to §1024.20 (list of homeownership counseling organizations provided not later than 3 business days after a loan originator receives an application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:NonePlease note: This test does not validate the content of any list of homeownership XXX organizations. Documentation required to clear exception:  Provide homeownership XXX disclosure that was provided to the consumer within XXX business days of XXX of XX/XX/XXXX.
list of homeownership counseling organizations documents available on XXX)
03/27/2026
HOC dated within XXX days of the XXX provided; exception resolved; HOC dated within XXX days of the XXX provided; exception resolved; Document Uploaded.
03/27/2026
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
D
A
B
A
D
A
A
A
C
A
D
D
A
C
D
D
A
C
D
D
A
C
D
D
A
C
D
D
A
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20034
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/24/2026
Resolved
finding-3634
Compliance
Charges That Cannot Increase Test
This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure Required. Refund in the amount of $XXX: cure package requires a PCCD, LOE, Copy of Refund Check, and proof of delivery. The exception is tied to the missing Initial LE issued within XXX business days of the XXX of XX/XX/XXXX as the earliest available LE is dated XX/XX/XXXX. Please provide the initial LE issued within XXX business days of the XXX of XX/XX/XXXX. Additional testing will be completed once the initial LE is provided. Also provide written list of service providers dated within XXX business days of the XXX.
Loan estimate available on XXX)
03/27/2026
LE dated within XXX days of the XXX provided; exception resolved; LE dated within XXX days of the XXX provided; exception resolved; Document Uploaded.
03/27/2026
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
D
A
C
A
D
A
A
A
C
A
D
D
A
C
D
D
A
C
D
D
A
C
D
D
A
C
D
D
A
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20034
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/24/2026
Resolved
finding-3635
Compliance
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). TILA 130b Cure Required. Refund in the amount of $XXX: cure package requires a PCCD, LOE, Copy of Refund Check, and proof of delivery. The exception is tied to the missing Initial LE issued within XXX business days of the XXX of XX/XX/XXXX as the earliest available LE is dated XX/XX/XXXX. Please provide the initial LE issued within XXX business days of the XXX of XX/XX/XXXX. Additional testing will be completed once the initial LE is provided. Also provide written list of service providers dated within XXX business days of the XXX.
 Initial Disclosures-loan Estimate available at XXX)
03/27/2026
LE dated within XXX days of the XXX provided; exception resolved; LE dated within XXX days of the XXX provided; exception resolved; Document Uploaded.
03/27/2026
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
D
A
C
A
D
A
A
A
C
A
D
D
A
C
D
D
A
C
D
D
A
C
D
D
A
C
D
D
A
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20034
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/24/2026
Resolved
finding-3515
Compliance
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 XXX , 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:NoneThe 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. Documentation required to clear exception. The Initial Loan Estimate dated XX/XX/XXXX (per compliance report in file) is missing from the loan file. The earliest LE in the loan file was issued on XX/XX/XXXX. The violation can be cured by providing the initial LE within XXX days of XXX of XX/XX/XXXX.
Loan estimate available on XXX)
03/27/2026
LE dated within XXX days of the XXX provided; exception resolved; LE dated within XXX days of the XXX provided; exception resolved; Document Uploaded.
03/27/2026
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
D
A
C
A
D
A
A
A
C
A
D
D
A
C
D
D
A
C
D
D
A
C
D
D
A
C
D
D
A
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20034
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/24/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
03/26/2026
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
D
A
A
A
D
A
A
A
C
A
D
D
A
C
D
D
A
C
D
D
A
C
D
D
A
C
D
D
A
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20115
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/30/2026
Resolved
FCRE8999
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational
03/31/2026
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.
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20115
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/30/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
03/31/2026
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.
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20115
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/31/2026
Resolved
FCOM8997
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational
03/31/2026
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.
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20119
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/30/2026
Resolved
FVAL9739
Property
Property/Appraisal General
Property/Appraisal guideline violation: The county name on the appraisal (XXX) does not match the county name on the Legal Description (XXX).
Appraisal update
04/07/2026
Property/Appraisal Meets Guidelines; Appraisal and UCDP provided. Appraisal county updated. ; Document Uploaded.
04/08/2026
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
C
A
C
A
A
A
C
A
A
A
C
A
C
A
C
A
C
A
C
A
C
A
C
A
C
A
C
A
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20119
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/30/2026
Resolved
FCOM8997
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational
03/31/2026
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
C
A
A
A
A
A
C
A
A
A
C
A
C
A
C
A
C
A
C
A
C
A
C
A
C
A
C
A
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20119
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/30/2026
Resolved
FCRE8999
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational
03/31/2026
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
C
A
A
A
A
A
C
A
A
A
C
A
C
A
C
A
C
A
C
A
C
A
C
A
C
A
C
A
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20011
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/30/2026
Resolved
FCOM8997
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational
03/31/2026
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.
A
A
A
A
A
A
A
A
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A
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A
A
A
A
A
A
A
XXX
RATE2026J20011
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/30/2026
Resolved
FCRE8999
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational
03/31/2026
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.
A
A
A
A
A
A
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A
A
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A
A
A
A
A
A
A
A
A
XXX
RATE2026J20011
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/30/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
03/31/2026
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.
A
A
A
A
A
A
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A
A
A
A
A
A
A
XXX
RATE2026J20138
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/30/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
03/31/2026
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.
A
A
A
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A
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A
A
A
A
A
A
A
A
A
XXX
RATE2026J20138
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/30/2026
Resolved
FCRE8999
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational
03/31/2026
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.
A
A
A
A
A
A
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A
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A
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A
A
A
A
A
A
A
XXX
RATE2026J20087
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/30/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
03/31/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
A
A
A
A
A
A
A
A
A
A
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A
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A
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A
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A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20087
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/30/2026
Resolved
FCRE8999
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational
03/31/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
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A
A
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A
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A
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A
A
A
A
A
A
A
A
A
XXX
RATE2026J20087
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/31/2026
Resolved
FCOM8997
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational
03/31/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
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A
A
A
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A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20054
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/30/2026
Resolved
finding-3634
Compliance
Charges That Cannot Increase Test
TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of XXX is due to increase from XXX to XXX for the loan discount fee added to CD XX/XX/XXXX. This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i).
Document COC
04/01/2026
Valid COC provided; exception resolved; Valid COC provided; exception resolved; Document Uploaded.
04/02/2026
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%
C
A
C
A
A
A
A
A
C
A
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20054
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/31/2026
Resolved
FCRE8999
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational
03/31/2026
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%
C
A
A
A
A
A
A
A
C
A
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20054
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/31/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
03/31/2026
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%
C
A
A
A
A
A
A
A
C
A
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20066
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/31/2026
Resolved
FCRE1319
Credit
Borrower 1 Personal Tax Returns Missing
Borrower 1 Personal Tax Returns Missing Interest and Dividends income of XXX reflected on Final 1003. Provide XXX and XXX Personal Tax Returns to complete income evaluation, not contained in loan file.
XXX transcripts are sufficient  &  XXX year end statements match
04/03/2026
Borrower 1 Personal Tax Returns Provided; Per client, "XXX transcripts are sufficient & XXX year end Statements match."; ; Document Uploaded.
04/06/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
D
A
D
A
D
A
A
A
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20066
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/30/2026
Resolved
FCOM8997
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational
03/31/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
D
A
A
A
D
A
A
A
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20066
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/31/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan.
    
Informational
03/31/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
D
A
A
A
D
A
A
A
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20117
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/30/2026
Resolved
finding-3634
Compliance
Charges That Cannot Increase Test
This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure Required. Refund in the amount of $XXX: cure package requires a PCCD, LOE, Copy of Refund Check, and proof of delivery or a Valid COC. The exception is tied to the missing Initial LE issued within XXX business days of the XXX of XX/XX/XXXX, as the earliest available LE is dated XX/XX/XXXX. The loan file is missing the initial LE dated XX/XX/XXXX, reflected on the XXX (pg. XXX) that was provided within XXX business days of the XXX. Please provide the initial LE issued within XXX business days of the XXX of XX/XX/XXXX. Additional testing will be completed, once the initial LE is provided.
XXX_Added Bwr_Re-Discl_Initial Discl_XX/XX/XXXX; Initial LE and XXX _XX/XX/XXXX
04/03/2026
Valid COC with applicable LE provided; exception resolved; Valid COC with applicable LE provided; exception resolved; Document Uploaded. ; Upon the receipt of the initial LE dated within XXX days of the application: TILA 130 Cure Required.  Refund in the amount of $XXX; cure package requires a PCCD, LOE,  and Copy of Refund Check, or Valid COC. The zero tolerance violation in the amount of XXX is due to the increase of the Credit Report Fee from XXX to XXX and additionally the increase of the Credit Technology and Verification Fee from XXX to XXX on the revised LE dated XX/XX/XXXX without a valid COC in the original file. Please provide a valid COC or cure package.; This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i).; Document Uploaded.
04/06/2026
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of 80%
C
A
C
A
A
A
A
A
C
A
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20117
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/30/2026
Resolved
finding-3367
Compliance
RESPA Homeownership Counseling Organizations Disclosure Date Test
This loan failed the homeownership XXX organizations disclosure date test due to the following findings: (12 CFR §1024.20(a) he loan has a homeownership XXX organizations disclosure date that is not within three business days of the loan Originator's XXX (or the date creditor received application if loan Originator's XXX is XXX); orThe homeownership XXX 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 XXX organizations that provide relevant XXX services in the loan applicant's location. The list of homeownership XXX 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 XXX for lenders to use in complying with the requirements of this section; or(XXX ata made available by the XXX 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 §1024.2(b) and as it relates to §1024.20 (list of homeownership counseling organizations provided not later than 3 business days after a loan originator receives an application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:NonePlease note: This test does not validate the content of any list of homeownership XXX organizations. The loan is missing the earliest Homeownership XXX Disclosure, issued within XXX business days of the XXX of XX/XX/XXXX. The earliest Homeownership XXX Disclosure in file is dated XX/XX/XXXX.
 Homeownership Counseling Disclosure
04/01/2026
Homeownership XXX Organizations Disclosure within XXX days provided, exception resolved.; Homeownership XXX Organizations Disclosure within XXX days provided, exception resolved.; Document Uploaded.
04/02/2026
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of 80%
C
A
B
A
A
A
A
A
C
A
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20117
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/30/2026
Resolved
finding-3635
Compliance
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). TILA 130b Cure Required. Refund in the amount of $XXX: cure package requires a PCCD, LOE, Copy of Refund Check, and proof of delivery or a Valid COC. The exception is tied to the missing Initial LE issued within XXX business days of the XXX of XX/XX/XXXX, as the earliest available LE is dated XX/XX/XXXX. The loan file is missing the initial LE dated XX/XX/XXXX, reflected on the XXX report (pg. XXX) that was provided within XXX business days of the XXX. Please provide the initial LE issued within XXX business days of the XXX of XX/XX/XXXX. Additional testing will be completed, once the initial LE is provided. File is also Missing the XXX dated within XXX days of the loan XXX of XX/XX/XXXX.
Initial LE and XXX _XX/XX/XXXX
04/01/2026
Initial LE provided, exception resolved.; Initial LE provided, exception resolved.; Document Uploaded.
04/02/2026
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of 80%
C
A
C
A
A
A
A
A
C
A
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20117
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/30/2026
Resolved
finding-3515
Compliance
Initial Loan Estimate Delivery Date Test (from application)
According to the XXX report, the initial Loan XXX is XX/XX/XXXX (pg. XXX). The earliest LE in file, dated XX/XX/XXXX, exceeds the timing regulation. A cure requires the initial LE dated within XXX business days of XX/XX/XXXX. According to the XXX report (pg. XXX), the initial LE was issued on XX/XX/XXXX, but is missing from the loan file. Once the initial LE is provided, additional testing will be completed. 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 XXX , 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:NoneThe 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.
Initial LE
04/01/2026
Initial LE provided, exception resolved.; Initial LE provided, exception resolved.; Document Uploaded.
04/02/2026
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of 80%
C
A
C
A
A
A
A
A
C
A
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20117
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/31/2026
Resolved
FCRE8999
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational
03/31/2026
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of 80%
C
A
A
A
A
A
A
A
C
A
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20117
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/31/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
03/31/2026
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of 80%
C
A
A
A
A
A
A
A
C
A
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20019
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/30/2026
Resolved
finding-3367
Compliance
RESPA Homeownership Counseling Organizations Disclosure Date Test
This loan failed the homeownership XXX organizations disclosure date test due to the following findings: (12 CFR §1024.20(a) he loan has a homeownership XXX organizations disclosure date that is not within three business days of the loan Originator's XXX (or the date creditor received application if loan Originator's XXX is XXX); orThe homeownership XXX 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 XXX organizations that provide relevant XXX services in the loan applicant's location. The list of homeownership XXX 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 XXX for lenders to use in complying with the requirements of this section; or(XXX ata made available by the XXX 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 §1024.2(b) and as it relates to §1024.20 (list of homeownership counseling organizations provided not later than 3 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 XXX As not being open on XXX PLEASE 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, XXX  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 XXX organizations. The loan is missing the earliest Homeownership XXX Disclosure, issued within XXX business days of the XXX of XX/XX/XXXX. The earliest Homeownership XXX Disclosure in file is dated XX/XX/XXXX (pg. XXX).
Homeowner Counseling list within 3 business days of initial app; Homeownership Counseling Disclosure
04/10/2026
HOC dated within XXX days of the XXX provided; exception resolved; HOC dated within XXX days of the XXX provided; exception resolved; Document Uploaded. ; HOC provided was not dated within XXX days of the XXX; Document Uploaded.
04/13/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years on job.
C
A
B
A
A
A
A
A
C
A
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20019
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/30/2026
Resolved
FCOM1284
Compliance
Texas F2 Notice for Home Equity Disclosure Not Provided Within 3 Days of Application Date or 12 Days of Closing Date
Admin. Code §153.45 50(f)(2)(d) - XXX F2 Notice for  XXX within XXX-days of XXX. The disclosure was dated XX/XX/XXXX and the application was dated XX/XX/XXXX. Documentation required to clear exception: Please provide the XXX F2 Notice for Non-Home Equity Disclosure within three business days of the loan application, XX/XX/XXXX, and at least XXX days before consummation, XX/XX/XXXX.
Proof Initial Disclosure sent within 3 business days and XXX Disclosure within 3 business days of initial app; Initial XXX F2 Disclosure
04/10/2026
F2 notice provided within XXX days of the XXX; exception resolved; XXX. Admin. Code §153.45 50(f)(2)(d) - XXX F2 Notice for Non-Home Equity Disclosure XXX within XXX-days of XXX. The disclosure was dated XX/XX/XXXX and the application was dated XX/XX/XXXX.; Document Uploaded. ; 7 XXX. Admin. Code §153.45 50(f)(2)(d) - XXX F2 Notice for XXX within XXX-days of XXX. The disclosure was dated XX/XX/XXXX and the application was dated XX/XX/XXXX. Documentation provided was not dated within XXX days of the XX/XX/XXXX; Document Uploaded. ; Document Uploaded.
04/13/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years on job.
C
A
C
A
A
A
A
A
C
A
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20019
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/30/2026
Resolved
finding-3634
Compliance
Charges That Cannot Increase Test
This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure Required. Refund in the amount of $XXX: cure package requires a PCCD, LOE, Copy of Refund Check, and proof of delivery or a Valid COC. The exception is tied to the missing Initial LE issued within XXX business days of the XXX of XX/XX/XXXX, as the earliest available LE is dated XX/XX/XXXX. Please provide the initial LE dated XX/XX/XXXX, as reflected on the XXX report (pg. XXX). Additional testing will be completed, once the initial LE is provided.
Closing Disclosure and Loan Estimate; Initial LE
04/06/2026
Valid COC provided; exception resolved; Valid COC provided; exception resolved; Document Uploaded. ; Provide COCs or cure package for VOE added on the LE dated XX/XX/XXXX; the increase in credit report of the CD dated XX/XX/XXXX, Settlement fee increase of XXX and title Endorsement of XXX added to the XX/XX/XXXX CD. A cure of XXX was already provided but it is no sufficient for the violation amount. ; This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i).; Document Uploaded.
04/07/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years on job.
C
A
C
A
A
A
A
A
C
A
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20019
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/30/2026
Resolved
finding-3635
Compliance
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). TILA 130b Cure Required. Refund in the amount of $XXX: cure package requires a PCCD, LOE, Copy of Refund Check, and proof of delivery or a Valid COC. The exception is tied to the missing Initial LE issued within XXX business days of the XXX of XX/XX/XXXX, as the earliest available LE is dated XX/XX/XXXX. Please provide the initial LE dated XX/XX/XXXX, as reflected on the XXX report (pg. XXX). Additional testing will be completed, once the initial LE is provided. File is also missing the XXX  dated within XXX days of the application.
Initial LE
04/01/2026
Initial LE provided; exception resolved; Initial LE provided; exception resolved; Document Uploaded.
04/02/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years on job.
C
A
C
A
A
A
A
A
C
A
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20019
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/30/2026
Resolved
finding-3515
Compliance
Initial Loan Estimate Delivery Date Test (from application)
According to the XXX report, the initial Loan XXX is XX/XX/XXXX (pg. XXX). The earliest LE in file, dated XX/XX/XXXX, exceeds the timing regulation. A cure requires the initial LE dated within XXX business days of XX/XX/XXXX. According to the XXX report (pg. XXX), the initial LE was issued on XX/XX/XXXX, but is missing from the loan file. Once the initial LE is provided, additional testing will be completed. 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 XXX , 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 XXX As not being open on XXX PLEASE 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, XXX  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.
Initial LE; Initial LE
04/01/2026
Initial LE provided; exception resolved; Initial LE provided; exception resolved; Document Uploaded. Document Uploaded. ; Document Uploaded. ; Document Uploaded. Document Uploaded.
04/02/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years on job.
C
A
C
A
A
A
A
A
C
A
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20019
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/31/2026
Resolved
FCRE8999
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational
03/31/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years on job.
C
A
A
A
A
A
A
A
C
A
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20019
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/31/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
03/31/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years on job.
C
A
A
A
A
A
A
A
C
A
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20100
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/30/2026
Resolved
FCOM8997
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational
03/31/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years on job.
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20100
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/31/2026
Resolved
FCRE8999
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational
03/31/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years on job.
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20100
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/31/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
03/31/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years on job.
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20015
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/30/2026
Resolved
finding-3367
Compliance
RESPA Homeownership Counseling Organizations Disclosure Date Test
This loan failed the homeownership XXX organizations disclosure date test due to the following findings: (12 CFR §1024.20(a) he loan has a homeownership XXX organizations disclosure date that is not within three business days of the loan Originator's XXX (or the date creditor received application if loan Originator's XXX is XXX); orThe homeownership XXX 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 XXX organizations that provide relevant XXX services in the loan applicant's location. The list of homeownership XXX 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 XXX for lenders to use in complying with the requirements of this section; or(XXX ata made available by the XXX 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 §1024.2(b) and as it relates to §1024.20 (list of homeownership counseling organizations provided not later than 3 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 XXX As not being open on XXX PLEASE 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, XXX  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 XXX organizations. Documentation required to clear exception: Provide homeownership XXX disclosure that was provided to the consumer within XXX-business days of application, XX/XX/XXXX.
Homeownership counseling disclosure
04/01/2026
HOC dated within XXX business days of the application provided; exception resolved; HOC dated within XXX business days of the application provided; exception resolved; Document Uploaded.
04/02/2026
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%
C
A
B
A
A
A
A
A
C
A
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20015
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/30/2026
Resolved
finding-3634
Compliance
Charges That Cannot Increase Test
This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of XXX is due to the initial Loan Estimate timing fail. Please provide the initial Loan Estimate dated within XXX business days of application XX/XX/XXXX so testing can be completed.
Initial loan estimate
04/01/2026
LE provided within XXX days of the XXX provided; exception resolved; LE provided within XXX days of the XXX provided; exception resolved; This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i).; Document Uploaded.
04/02/2026
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%
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XXX
RATE2026J20015
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/30/2026
Resolved
finding-3652
Compliance
Lender Credits That Cannot Decrease Test
This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i) he loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits XXX does not exceed or equal the comparable sum of specific and non-specific lender credits ($XXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130 Cure Required.  Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, or Valid COC. The lender credit tolerance violation in the amount of XXX is due to decrease in Lender Credit from XXX to $XXX. The COC on XX/XX/XXXX was not accepted because of the initial Loan Estimate delivery date fail. Please provide the initial LE dated within XXX business days of the application XX/XX/XXXX so testing can be completed.
Initial loan estimate
04/01/2026
Initial LE provided; exception resolved; Initial LE provided; exception resolved; Document Uploaded.
04/02/2026
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%
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XXX
RATE2026J20015
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/30/2026
Resolved
finding-3635
Compliance
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). TILA 130b Cure Required. Refund in the amount of XXX cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The XXX% tolerance violation in the amount of XXX is due to the exception fail for the initial loan estimate. Please provide the initial loan estimate dated within XXX business days of application so testing can be completed.
Initial loan estimate
04/01/2026
Initial LE provided; exception resolved; Initial LE provided; exception resolved; Document Uploaded.
04/02/2026
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%
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XXX
RATE2026J20015
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/30/2026
Resolved
finding-3515
Compliance
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 XXX , 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 XXX As not being open on XXX PLEASE 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, XXX  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. Documentation required to clear exception. The Initial Loan Estimate dated XX/XX/XXXX (per compliance report in file) is missing from the loan file. The earliest LE in the loan file was issued on XX/XX/XXXX. The violation can be cured by providing the initial LE within XXX days of XX/XX/XXXX.
 Initial LE
04/01/2026
Initial LE provided; exception resolved; Initial LE provided; exception resolved; Document Uploaded.
04/02/2026
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%
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XXX
RATE2026J20015
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/31/2026
Resolved
FCRE8999
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational
03/31/2026
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%
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XXX
RATE2026J20015
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/31/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
03/31/2026
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%
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XXX
RATE2026J20108
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/29/2026
Resolved
FCRE1316
Credit
Borrower 1 3rd Party VOE Prior to Close Missing
Borrower 1 3rd Party VOE Prior to Close Missing Provide 3rd party VOE prior to close, not contained in loan file.
Third party verification of employment
04/01/2026
Borrower 1 3rd Party VOE Prior to Close Was Provided; Web evidence provided - XXX ; Document Uploaded.
04/09/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
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XXX
RATE2026J20108
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/31/2026
Resolved
FCRE1185
Credit
AUS Partially Provided
AUS Partially Provided. Provide corrected Final AUS/DU findings, one contained in file reflects a back end DTI of XXX% which is not in line with final XXX DTI of XXX%.
XXX_AUS 2;  Final AUS
04/09/2026
AUS is not incomplete.; Document Uploaded. ; Countered - DU provided reflects DTI of XXX%; Document Uploaded.
04/09/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
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XXX
RATE2026J20108
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/31/2026
Resolved
FCRE2371
Credit
Missing final HUD-1 from sale of non-subject property
Provide Final HUD XXX reflect proceeds and evidence of sale of property at XXX. Expenses not included in DTI per XXX
Sale CD
04/09/2026
HUD provided.; Document Uploaded.
04/09/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
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XXX
RATE2026J20108
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/30/2026
Resolved
FCOM8997
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational
03/31/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
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XXX
RATE2026J20108
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/31/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan.
    
Informational
03/31/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
D
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XXX
RATE2026J20127
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/30/2026
Resolved
FCOM8997
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational
03/31/2026
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.
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XXX
RATE2026J20127
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/31/2026
Resolved
FCRE8999
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational
03/31/2026
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.
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XXX
RATE2026J20127
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/31/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
03/31/2026
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.
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XXX
RATE2026J20133
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/30/2026
Resolved
FCOM8997
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational
03/31/2026
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.
A
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XXX
RATE2026J20133
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/31/2026
Resolved
FCRE8999
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational
03/31/2026
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.
A
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XXX
RATE2026J20133
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/31/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
03/31/2026
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.
A
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XXX
RATE2026J20206
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/29/2026
Resolved
FCRE1201
Credit
Third Party Fraud Report not Provided
Missing Third Party Fraud Report Unable to locate fraud report in file.
Third Party Fraud Report
04/01/2026
Third Party Fraud Report is provided; Fraud provided; Document Uploaded.
04/02/2026
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of 80%
D
A
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D
D
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D
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XXX
RATE2026J20206
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/31/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
03/31/2026
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of 80%
D
A
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XXX
RATE2026J20206
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/31/2026
Resolved
FCOM8997
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational
03/31/2026
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of 80%
D
A
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D
A
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D
D
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D
D
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D
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D
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XXX
RATE2026J20207
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/30/2026
Resolved
finding-3367
Compliance
RESPA Homeownership Counseling Organizations Disclosure Date Test
This loan failed the homeownership XXX organizations disclosure date test due to the following findings: (12 CFR §1024.20(a) he loan has a homeownership XXX organizations disclosure date that is not within three business days of the loan Originator's XXX (or the date creditor received application if loan Originator's XXX is XXX); orThe homeownership XXX 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 XXX organizations that provide relevant XXX services in the loan applicant's location. The list of homeownership XXX 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 XXX for lenders to use in complying with the requirements of this section; or(XXX ata made available by the XXX 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 §1024.2(b) and as it relates to §1024.20 (list of homeownership counseling organizations provided not later than 3 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 XXX As not being open on XXX's Birthday (XX/XX/XXXX s not being open on XXX PLEASE 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, XXX  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 XXX organizations. XXX per E consent is XX/XX/XXXX. Homeownership XXX Disclosure provided dated XX/XX/XXXX.
Homeownership Counseling Disclosure
04/01/2026
HOC dated within XXX day so the XXX provided; exception resolved; HOC dated within XXX day so the XXX provided; exception resolved; Document Uploaded.
04/02/2026
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%
C
A
B
A
A
A
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A
C
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C
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C
C
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XXX
RATE2026J20207
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/30/2026
Resolved
finding-3515
Compliance
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 XXX , 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 XXX As not being open on XXX's Birthday (XX/XX/XXXX s not being open on XXX PLEASE 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, XXX  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. XXX per E Consent is XX/XX/XXXX. Loan Estimate provided is dated XX/XX/XXXX. Per XXX  in file, the initial LE issued XX/XX/XXXX is missing from loan file.
Initial loan Estimate
04/01/2026
LE dated within XXX day so the XXX provided; exception resolved; LE dated within XXX day so the XXX provided; exception resolved; Document Uploaded.
04/02/2026
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%
C
A
C
A
A
A
A
A
C
A
C
A
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C
C
A
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C
C
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C
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A
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A
A
A
XXX
RATE2026J20207
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/31/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
03/31/2026
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%
C
A
A
A
A
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A
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C
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C
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C
C
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C
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C
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XXX
RATE2026J20207
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/31/2026
Resolved
FCRE8999
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational
03/31/2026
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%
C
A
A
A
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C
A
C
A
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C
C
A
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C
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A
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A
A
XXX
RATE2026J20208
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/30/2026
Resolved
FCOM8997
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational
03/31/2026
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of 80%
A
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A
XXX
RATE2026J20208
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/31/2026
Resolved
FCRE8999
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational
03/31/2026
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of 80%
A
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XXX
RATE2026J20208
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/31/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
03/31/2026
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of 80%
A
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A
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XXX
RATE2026J20266
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/31/2026
Resolved
FCOM8997
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational
03/31/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of 80%
A
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A
A
A
A
A
A
A
XXX
RATE2026J20266
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/31/2026
Resolved
FCRE8999
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational
03/31/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of 80%
A
A
A
A
A
A
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A
A
A
A
A
A
A
XXX
RATE2026J20266
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/31/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
03/31/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of 80%
A
A
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A
A
A
A
A
A
A
XXX
RATE2026J20263
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/31/2026
Resolved
FCRE8999
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational
03/31/2026
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%
A
A
A
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A
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A
A
A
A
A
A
A
XXX
RATE2026J20263
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/31/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
03/31/2026
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%
A
A
A
A
A
A
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A
A
A
A
A
A
A
A
XXX
RATE2026J20263
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/31/2026
Resolved
FCOM8997
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational
03/31/2026
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%
A
A
A
A
A
A
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A
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A
A
A
A
A
A
A
XXX
RATE2026J20255
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/30/2026
Resolved
FCOM8997
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational
03/31/2026
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.
A
A
A
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A
A
A
A
A
A
A
XXX
RATE2026J20255
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/31/2026
Resolved
FCRE8999
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational
03/31/2026
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.
A
A
A
A
A
A
A
A
A
A
A
A
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A
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A
A
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A
A
A
A
A
A
A
A
A
XXX
RATE2026J20255
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/31/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
03/31/2026
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.
A
A
A
A
A
A
A
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A
A
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A
A
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A
A
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A
A
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A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20147
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/31/2026
Rescinded
finding-3652
Compliance
Lender Credits That Cannot Decrease Test
TILA 130 Cure Required.  Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, or Valid COC. The lender credit tolerance violation in the amount of XXX is due to decrease in Lender Credit from XXX to XXX on the final CD. This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i) he loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits XXX does not exceed or equal the comparable sum of specific and non-specific lender credits ($XXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i).
Lender Credit
04/01/2026
Cure provided on the final CD; Cure provided on the final CD; Document Uploaded.
04/02/2026
  
C
A
C
A
A
A
A
A
C
A
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20147
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/31/2026
Resolved
FCRE8999
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational
03/31/2026
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% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of 80%
C
A
A
A
A
A
A
A
C
A
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20147
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/31/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
03/31/2026
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% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of 80%
C
A
A
A
A
A
A
A
C
A
C
A
A
C
C
A
A
C
C
A
A
C
C
A
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C
C
A
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C
A
A
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A
A
A
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A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20128
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/31/2026
Resolved
FCRE8999
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational
03/31/2026
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.
A
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A
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A
A
A
A
A
A
A
XXX
RATE2026J20128
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/31/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
03/31/2026
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.
A
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A
A
A
A
A
A
A
XXX
RATE2026J20128
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/31/2026
Resolved
FCOM8997
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational
03/31/2026
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.
A
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A
A
A
XXX
RATE2026J20242
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/31/2026
Resolved
FCRE1202
Credit
Third Party Fraud Report Partially Provided
Third Party Fraud Report Partially Provided Provide updated DataVerify Report reflecting all participants cleared on risk watchlist as per Fraud report in file not all of the required participants have been added: Please add applicants XXX; Appraisal Management Company; Appraisal Management Company; Builder Company; CPA/Tax Preparer; Non Borrowing Spouse; Title UnderXXX.
XXX Fraud
04/03/2026
Third Party Fraud Report is fully present; Fraud provided; Document Uploaded.
04/06/2026
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%
D
A
D
A
D
A
A
A
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
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D
D
A
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A
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A
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A
A
A
A
XXX
RATE2026J20242
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/31/2026
Resolved
FCOM8997
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational
04/02/2026
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%
D
A
A
A
D
A
A
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A
A
D
D
A
A
D
D
A
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D
D
A
A
D
D
A
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D
D
A
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A
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A
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A
A
A
A
A
XXX
RATE2026J20242
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/31/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan.
    
Informational
04/02/2026
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%
D
A
A
A
D
A
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A
D
D
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D
D
A
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D
D
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D
D
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D
D
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A
XXX
RATE2026J20235
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/31/2026
Resolved
FCRE8999
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational
04/02/2026
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.
A
A
A
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A
A
XXX
RATE2026J20235
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/31/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
04/02/2026
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.
A
A
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A
A
A
A
A
A
XXX
RATE2026J20235
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/31/2026
Resolved
FCOM8997
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational
04/02/2026
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.
A
A
A
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A
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A
A
A
A
A
A
A
XXX
RATE2026J20135
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/01/2026
Resolved
FCRE8999
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational
04/02/2026
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%
A
A
A
A
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A
A
A
A
A
A
A
XXX
RATE2026J20135
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/01/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
04/02/2026
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%
A
A
A
A
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A
A
A
A
XXX
RATE2026J20135
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/01/2026
Resolved
FCOM8997
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational
04/02/2026
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%
A
A
A
A
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A
A
XXX
RATE2026J20145
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/01/2026
Resolved
FCRE1201
Credit
Third Party Fraud Report not Provided
Missing Third Party Fraud Report Unable to locate fraud report in file.
Fraud Report
04/06/2026
Third Party Fraud Report is provided; Fraud report provided; Document Uploaded.
04/07/2026
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%
D
A
D
A
D
A
A
A
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
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D
D
A
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A
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A
A
A
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A
A
A
A
A
A
A
XXX
RATE2026J20145
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/01/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
04/02/2026
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%
D
A
A
A
D
A
A
A
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
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A
A
A
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A
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A
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A
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A
A
A
A
A
A
A
XXX
RATE2026J20145
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/01/2026
Resolved
FCOM8997
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational
04/02/2026
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%
D
A
A
A
D
A
A
A
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
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D
D
A
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A
A
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A
A
A
A
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A
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A
A
A
A
A
A
A
XXX
RATE2026J20023
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/01/2026
Resolved
FCRE8999
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational
04/02/2026
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%
A
A
A
A
A
A
A
A
A
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A
A
A
A
A
A
A
XXX
RATE2026J20023
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/01/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
04/02/2026
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%
A
A
A
A
A
A
A
A
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A
A
A
A
A
A
A
A
A
XXX
RATE2026J20023
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/01/2026
Resolved
FCOM8997
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational
04/02/2026
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%
A
A
A
A
A
A
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A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20271
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/03/2026
Resolved
FCOM8997
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational
04/07/2026
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.
A
A
A
A
A
A
A
A
A
A
A
A
A
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A
A
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A
A
A
A
A
A
A
XXX
RATE2026J20271
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/03/2026
Resolved
FCRE8999
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational
04/07/2026
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.
A
A
A
A
A
A
A
A
A
A
A
A
A
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A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20271
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/03/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
04/07/2026
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.
A
A
A
A
A
A
A
A
A
A
A
A
A
A
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A
A
A
A
A
A
A
A
A
XXX
RATE2026J20172
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/03/2026
Resolved
FCRE7497
Credit
Missing verification of taxes, insurance, and/or HOA fees for non-subject property
Provide expenses for: XXX  reflected on Final 1003 in the amount of XXX other payment, not contained in loan file XXX  reflected on Final 1003 in the amount of XXX other payment, not contained in loan file, documentation in file States no HOA dues for both properties.
Mortgage statement
04/10/2026
REO evidence provided. ; Document Uploaded. ; Document Uploaded.
04/13/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
D
A
D
A
D
A
A
A
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20172
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/03/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
04/07/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
D
A
A
A
D
A
A
A
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20172
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/06/2026
Resolved
FCOM8997
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational
04/07/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
D
A
A
A
D
A
A
A
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20041
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/07/2026
Resolved
FCRE8999
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational
04/07/2026
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.
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
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A
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A
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A
A
A
A
A
A
A
A
A
XXX
RATE2026J20041
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/07/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
04/07/2026
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.
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
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A
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A
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A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20041
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/07/2026
Resolved
FCOM8997
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational
04/07/2026
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.
A
A
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A
XXX
RATE2026J20082
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/03/2026
Resolved
FCRE8999
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational
04/07/2026
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
A
A
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A
XXX
RATE2026J20082
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/03/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
04/07/2026
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
A
A
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A
A
XXX
RATE2026J20082
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/06/2026
Resolved
FCOM8997
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational
04/07/2026
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
A
A
A
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A
A
XXX
RATE2026J20151
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/07/2026
Resolved
FCRE8999
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational
04/07/2026
Borrower has stable job time - Borrower has XXX years on job.
A
A
A
A
A
A
A
A
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A
A
A
A
A
XXX
RATE2026J20151
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/07/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
04/07/2026
Borrower has stable job time - Borrower has XXX years on job.
A
A
A
A
A
A
A
A
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A
A
A
A
A
A
XXX
RATE2026J20151
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/07/2026
Resolved
FCOM8997
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational
04/07/2026
Borrower has stable job time - Borrower has XXX years on job.
A
A
A
A
A
A
A
A
A
A
A
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A
A
A
A
A
A
A
A
A
XXX
RATE2026J20101
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/03/2026
Resolved
FCRE8999
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational
04/07/2026
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
A
A
A
A
A
A
A
A
A
A
A
A
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A
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A
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A
A
A
A
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A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20101
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/03/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
04/07/2026
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
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
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A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20101
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/07/2026
Resolved
FCOM8997
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational
04/07/2026
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
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
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A
A
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A
A
A
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A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20140
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/06/2026
Cured
finding-3634
Compliance
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 XXX that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130 Cure Required. Refund in the amount of XXX cure package requires a PCCD, LOE, Copy of Refund and Proof of Delivery or Valid COC. The XXX% tolerance violation is due to the addition of the XXX of XXX on the revised LE dated XX/XX/XXXX without a valid COC in file. Please provide a valid COC or cure package.
cure package
04/24/2026
Cure package provided to the borrower; exception downgraded a 2/B; Cure package provided to the borrower; exception downgraded a 2/B; Document Uploaded.
04/26/2026
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.
C
B
C
B
A
A
A
A
C
B
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
XXX
RATE2026J20140
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/07/2026
Resolved
FCRE8999
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational
04/07/2026
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.
C
B
A
A
A
A
A
A
C
B
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
XXX
RATE2026J20140
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/07/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
04/07/2026
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.
C
B
A
A
A
A
A
A
C
B
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
XXX
RATE2026J20042
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/06/2026
Resolved
finding-3634
Compliance
Charges That Cannot Increase Test
This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure Required. Refund in the amount of $XXX: cure package requires a PCCD, LOE, Copy of Refund Check, and proof of delivery. The exception is tied to the missing Initial LE issued within XXX business days of the XXX of XX/XX/XXXX, as the earliest available LE is dated XX/XX/XXXX. Please provide the initial LE issued within XXX business days of the XXX of XX/XX/XXXX. Additional testing will be completed, once the initial LE is provided.
XXX_InitialLE
04/09/2026
Initial LE provided; exception resolved; Initial LE provided; exception resolved; Document Uploaded.
04/10/2026
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
D
A
C
A
D
A
A
A
C
A
D
D
A
C
D
D
A
C
D
D
A
C
D
D
A
C
D
D
A
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20042
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/06/2026
Resolved
finding-3635
Compliance
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). TILA 130b Cure Required. Refund in the amount of $XXX: cure package requires a PCCD, LOE, Copy of Refund Check, and proof of delivery. The exception is tied to the missing Initial LE Written List of Service Providers issued within XXX business days of the XXX of XX/XX/XXXX, as the earliest available LE is dated XX/XX/XXXX. Please provide the initial LE and XXX  issued within XXX business days of the XXX of XX/XX/XXXX. Additional testing will be completed, once the initial LE and XXX  is provided.
XXX_InitialLE
04/09/2026
Initial LE provided; exception resolved; Initial LE provided; exception resolved; Document Uploaded.
04/10/2026
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
D
A
C
A
D
A
A
A
C
A
D
D
A
C
D
D
A
C
D
D
A
C
D
D
A
C
D
D
A
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20042
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/06/2026
Resolved
finding-3515
Compliance
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 XXX , 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:NoneThe 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. Documentation required to clear exception. The Initial Loan Estimate dated XX/XX/XXXX (per compliance report in file) page XXX is missing from the loan file. The earliest LE in the loan file was issued on XX/XX/XXXX. The violation can be cured by providing the initial LE within XXX days of XXX XX/XX/XXXX
XXX_InitialLE
04/09/2026
Initial LE provided; exception resolved; Initial LE provided; exception resolved; Document Uploaded.
04/10/2026
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
D
A
C
A
D
A
A
A
C
A
D
D
A
C
D
D
A
C
D
D
A
C
D
D
A
C
D
D
A
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20042
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/03/2026
Resolved
FCRE1201
Credit
Third Party Fraud Report not Provided
Missing Third Party Fraud Report Provide Fraud Report, not contained loan file.
XXX_FraudReport
04/09/2026
Third Party Fraud Report is provided; Document Uploaded.
04/09/2026
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
D
A
D
A
D
A
A
A
C
A
D
D
A
C
D
D
A
C
D
D
A
C
D
D
A
C
D
D
A
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20042
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/07/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
04/07/2026
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
D
A
A
A
D
A
A
A
C
A
D
D
A
C
D
D
A
C
D
D
A
C
D
D
A
C
D
D
A
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20137
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/06/2026
Resolved
finding-47
Compliance
TILA Right of Rescission Test
This loan failed the TILA right of rescission test losed-end (12 CFR §1026.23(a)(3), transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3), transferred from 12 CFR §226.15(a)(3) he funding date is before the third business day following consummation he consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. Documentation Required: The disbursement date of XX/XX/XXXX is before the cancel by date on the ROR listed as XX/XX/XXXX Proof of actual disbursement date is required to resolve or a cure package requires PCCD, LOE, new ROR providing XXX days right to cancel
Final Settlement Statement, PCCD and LOE
04/10/2026
PCCD and Alta Statement received with correct Disbursement date - exception resolved; PCCD and Alta Statement received with correct Disbursement date - exception resolved; Document Uploaded.
04/10/2026
Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% 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.
C
A
C
A
A
A
A
A
C
A
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20137
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/07/2026
Resolved
FCRE8999
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational
04/07/2026
Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% 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.
C
A
A
A
A
A
A
A
C
A
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20137
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/07/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
04/07/2026
Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% 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.
C
A
A
A
A
A
A
A
C
A
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
A
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A
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A
A
A
A
A
A
A
A
XXX
RATE2026J20148
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/03/2026
Resolved
FCRE8999
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational
04/07/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
A
A
A
A
A
A
A
A
A
A
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A
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A
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A
A
A
A
XXX
RATE2026J20148
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/03/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
04/07/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
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A
A
A
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A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20148
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/06/2026
Resolved
FCOM8997
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational
04/07/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
A
A
A
A
A
A
A
A
A
A
A
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A
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A
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A
A
A
A
A
A
A
XXX
RATE2026J20113
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/07/2026
Resolved
FCRE1316
Credit
Borrower 1 3rd Party VOE Prior to Close Missing
Borrower 1 3rd Party VOE Prior to Close Missing Provide for Borrower 1, Verbal Verification of Employment more than XXX business days prior to the Note. not contained in loan file.
Verification of employment
04/10/2026
Borrower 1 3rd Party VOE Prior to Close Was Provided; Employment email provided; Document Uploaded.
04/13/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of 80%
D
A
D
A
D
A
A
A
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20113
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/07/2026
Resolved
FCRE7496
Credit
Missing Verification of Subject Property Taxes, Insurance, HOA or Other Payments
Provide documentation to support monthly property tax payment of XXX reflected on final XXX not contained in loan file.
TAX Bill and TAX RATE CALCULATIONS
04/10/2026
Tax identification provided; Document Uploaded.
04/13/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of 80%
D
A
D
A
D
A
A
A
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
A
A
A
A
A
A
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A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20113
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/06/2026
Resolved
FCOM8997
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational
04/07/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of 80%
D
A
A
A
D
A
A
A
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20113
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/07/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan.
    
Informational
04/07/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of 80%
D
A
A
A
D
A
A
A
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20142
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/06/2026
Resolved
FCOM8997
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational
04/07/2026
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.
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
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A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20142
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/07/2026
Resolved
FCRE8999
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational
04/07/2026
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.
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
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A
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A
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A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20142
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/07/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
04/07/2026
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.
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
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A
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A
A
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A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20153
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/06/2026
Resolved
FCOM8997
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational
04/07/2026
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.
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
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A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20153
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/07/2026
Resolved
FCRE8999
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational
04/07/2026
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.
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
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A
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A
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A
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A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20153
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/07/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
04/07/2026
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.
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
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A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20116
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/03/2026
Resolved
FCRE8999
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational
04/07/2026
Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% 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
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
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A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20116
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/03/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
04/07/2026
Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% 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
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20116
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/06/2026
Resolved
FCOM8997
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational
04/07/2026
Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% 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
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20069
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/07/2026
Resolved
123ABJ
Credit
Missing VVOE dated within 10 days consummation
Unable to locate VVOE for B1 in file dated within XXX-days. DU Validated employment if closing by XX/XX/XXXX. Subject closed XX/XX/XXXX.
Verbal verification of employment
04/10/2026
; VOEs provided; Document Uploaded.
04/13/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of 70% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of 70%
D
A
D
A
D
A
A
A
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20069
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/07/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
04/07/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of 70% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of 70%
D
A
A
A
D
A
A
A
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20069
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/07/2026
Resolved
FCOM8997
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational
04/07/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of 70% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of 70%
D
A
A
A
D
A
A
A
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20131
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/03/2026
Resolved
FCRE1157
Credit
Hazard Insurance Policy is Missing
Missing Hazard Insurance Policy, Premium amount updated as per AUS.
Hazard Insurance Policy
04/10/2026
Hazard Insurance Policy is fully present; Evidence provided; Document Uploaded.
04/13/2026
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.
D
A
D
A
D
A
A
A
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20131
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/06/2026
Resolved
FCOM8997
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational
04/07/2026
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.
D
A
A
A
D
A
A
A
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20131
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/07/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
04/07/2026
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.
D
A
A
A
D
A
A
A
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20149
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/03/2026
Resolved
FCRE8999
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational
04/07/2026
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
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20149
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/03/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
04/07/2026
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
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
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A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20149
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/06/2026
Resolved
FCOM8997
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational
04/07/2026
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
A
A
A
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A
A
A
A
A
A
XXX
RATE2026J20139
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/03/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
04/07/2026
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%
A
A
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A
A
A
A
A
A
A
XXX
RATE2026J20139
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/03/2026
Resolved
FCOM8997
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational
04/07/2026
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%
A
A
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A
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A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20139
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/07/2026
Resolved
FCRE8999
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational
04/07/2026
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%
A
A
A
A
A
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A
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A
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A
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A
A
A
A
A
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A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20129
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/07/2026
Resolved
FCRE1316
Credit
Borrower 1 3rd Party VOE Prior to Close Missing
Borrower 1 3rd Party VOE Prior to Close Missing Borrower 1 3rd Party VOE Prior to Close Missing
VVOE B1 and B2
04/10/2026
Borrower 1 3rd Party VOE Prior to Close Was Provided; VOE provided ; Document Uploaded.
04/13/2026
Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of 80% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
D
A
D
A
D
A
A
A
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20129
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/07/2026
Resolved
FCRE1347
Credit
Borrower 2 3rd Party VOE Prior to Close Missing
Borrower 2 3rd Party VOE Prior to Close Missing Borrower 2 3rd Party VOE Prior to Close Missing
VVOE B1 and B2
04/10/2026
Borrower 2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals XXX); Document Uploaded.
04/13/2026
Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of 80% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
D
A
D
A
D
A
A
A
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20129
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/03/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
04/07/2026
Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of 80% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
D
A
A
A
D
A
A
A
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20129
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/03/2026
Resolved
FCOM8997
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational
04/07/2026
Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of 80% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
D
A
A
A
D
A
A
A
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20099
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/03/2026
Resolved
finding-3634
Compliance
Charges That Cannot Increase Test
This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of XXX is due to increase from XXX to XXX for the Appraisal Fee and XXX for the Appraisal Review fee added on the LE issued XX/XX/XXXX without valid reasons (within XXX business days).
XXX ILE   &   XXX LOX
04/09/2026
Clarification on Initial LE received - exception resolved; Clarification on Initial LE received - exception resolved; Document Uploaded.
04/10/2026
Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of 70% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of 70% | Borrower has stable job time - Borrower has XXX years on job.
C
A
C
A
A
A
A
A
C
A
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20099
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/07/2026
Resolved
FCRE8999
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational
04/07/2026
Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of 70% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of 70% | Borrower has stable job time - Borrower has XXX years on job.
C
A
A
A
A
A
A
A
C
A
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20099
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/07/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
04/07/2026
Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of 70% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of 70% | Borrower has stable job time - Borrower has XXX years on job.
C
A
A
A
A
A
A
A
C
A
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20187
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/06/2026
Resolved
finding-3634
Compliance
Charges That Cannot Increase Test
This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of XXX is due to increase from XXX to XXX for the Application Fee, XXX to XXX for the Lender Fees, XXX to XXX for the Appraisal Fee, XXX to XXX for the Credit Report Fee, XXX to XXX for the Credit Technology and Verification Fee, XXX to XXX for the MERS Registration Fee, and XXX to XXX for the Tax Service Fee. Initial LE missing/out of scope per SFA XX/XX/XXXX
    
Received Initial LE - exception resolved; Received Initial LE - exception resolved; 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).
04/16/2026
Borrower has stable job time - Borrower has XXX years on job.
C
A
A
A
A
A
A
A
C
A
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20187
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/06/2026
Resolved
finding-3635
Compliance
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). TILA 130b Cure Required. Refund in the amount of XXX cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The XXX% tolerance violation in the amount of XXX is due to increase from XXX to XXX for the XXX's Fee, XXX to XXX for the Lender's Title Insurance Policy, XXX to XXX XXX for the Title Closing Protection Letter, XXX to XXX for the Title Courier Fee, XXX to XXX for the Title Municipal Lien Search. Initial LE missing/out of scope per SFA XX/XX/XXXX
    
Received Initial LE - exception resolved; Received Initial LE - exception resolved; 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).
04/16/2026
Borrower has stable job time - Borrower has XXX years on job.
C
A
A
A
A
A
A
A
C
A
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20187
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/06/2026
Resolved
finding-3367
Compliance
RESPA Homeownership Counseling Organizations Disclosure Date Test
This loan failed the homeownership XXX organizations disclosure date test due to the following findings: (12 CFR §1024.20(a) he loan has a homeownership XXX organizations disclosure date that is not within three business days of the loan Originator's XXX (or the date creditor received application if loan Originator's XXX is XXX); orThe homeownership XXX 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 XXX organizations that provide relevant XXX services in the loan applicant's location. The list of homeownership XXX 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 XXX for lenders to use in complying with the requirements of this section; or(XXX ata made available by the XXX 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 §1024.2(b) and as it relates to §1024.20 (list of homeownership counseling organizations provided not later than 3 business days after a loan originator receives an application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:NonePlease note: This test does not validate the content of any list of homeownership XXX organizations. Documentation required to clear exception: Provide homeownership XXX disclosure that was provided to the consumer within XXX-business days of application, XX/XX/XXXX.
 Homeownership counseling disclosure
04/16/2026
Received HOC within XXX days of application - exception resolved; Received HOC within XXX days of application - exception resolved; Document Uploaded.
04/16/2026
Borrower has stable job time - Borrower has XXX years on job.
C
A
B
A
A
A
A
A
C
A
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20187
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/06/2026
Resolved
finding-3515
Compliance
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 XXX , 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:NoneThe 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. Documentation required to clear exception. The Initial Loan Estimate dated XX/XX/XXXX (per compliance report in file) is missing from the loan file. The earliest LE in the loan file was issued on XX/XX/XXXX. The violation can be cured by providing the initial LE within XXX days of XX/XX/XXXX.
 initial LE
04/16/2026
Received Initial LE - exception resolved; Received Initial LE - exception resolved; Document Uploaded.
04/16/2026
Borrower has stable job time - Borrower has XXX years on job.
C
A
C
A
A
A
A
A
C
A
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20187
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/07/2026
Resolved
FCRE8999
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational
04/07/2026
Borrower has stable job time - Borrower has XXX years on job.
C
A
A
A
A
A
A
A
C
A
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20187
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/07/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
04/07/2026
Borrower has stable job time - Borrower has XXX years on job.
C
A
A
A
A
A
A
A
C
A
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20210
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/07/2026
Resolved
FCRE8999
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational
04/07/2026
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
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20210
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/07/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
04/07/2026
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
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20210
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/07/2026
Resolved
FCOM8997
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational
04/07/2026
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
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20190
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/06/2026
Resolved
FCRE1148
Credit
Title Coverage is Less than Subject Lien
Title Coverage Amount of XXX is Less than Total Amount of Subject Lien XXX
Title Policy updated
04/21/2026
Title Coverage Amount of XXX is equal to or greater than Total Amount of Subject Lien $XXX; Document Uploaded.
04/21/2026
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
C
B
B
A
B
A
A
A
C
B
C
B
A
C
C
B
A
C
C
B
A
C
C
B
A
C
C
B
A
C
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
XXX
RATE2026J20190
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/06/2026
Cured
finding-3634
Compliance
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).
Closing disclosure, LOE, Copy of Refund Check, and Proof of Delivery
04/17/2026
Cure package provided to the borrower; exception downgraded to a 2/B; Cure package provided to the borrower; exception downgraded to a 2/B; Document Uploaded. ; TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of XXX is due to increase from XXX to XXX for the Title - Tech Fee added to CD XX/XX/XXXX.
04/20/2026
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
C
B
C
B
B
A
A
A
C
B
C
B
A
C
C
B
A
C
C
B
A
C
C
B
A
C
C
B
A
C
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
XXX
RATE2026J20190
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/07/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
04/09/2026
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
C
B
A
A
B
A
A
A
C
B
C
B
A
C
C
B
A
C
C
B
A
C
C
B
A
C
C
B
A
C
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
XXX
RATE2026J20189
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/06/2026
Resolved
FCOM8997
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational
04/09/2026
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
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20189
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/07/2026
Resolved
FCRE8999
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational
04/09/2026
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
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20189
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/07/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
04/09/2026
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
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20273
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/07/2026
Resolved
FCRE1201
Credit
Third Party Fraud Report not Provided
Missing Third Party Fraud Report
XXX Fraud
04/09/2026
Fraud Report received.; Third Party Fraud Report is provided; Document Uploaded.
04/09/2026
Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% 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.
D
A
D
A
D
A
A
A
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20273
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/06/2026
Resolved
FCOM8997
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational
04/07/2026
Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% 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.
D
A
A
A
D
A
A
A
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20273
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/07/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
04/07/2026
Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% 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.
D
A
A
A
D
A
A
A
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20260
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/06/2026
Resolved
FCOM8997
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational
04/07/2026
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. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of 80%
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20260
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/07/2026
Resolved
FCRE8999
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational
04/07/2026
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. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of 80%
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20260
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/07/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
04/07/2026
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. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of 80%
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20227
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/06/2026
Resolved
FCOM8997
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational
04/07/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of 70% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of 70% | Borrower has stable job time - Borrower has XXX years on job.
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20227
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/07/2026
Resolved
FCRE8999
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational
04/07/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of 70% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of 70% | Borrower has stable job time - Borrower has XXX years on job.
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20227
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/07/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
04/07/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of 70% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of 70% | Borrower has stable job time - Borrower has XXX years on job.
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20264
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/07/2026
Resolved
FCRE8999
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational
04/07/2026
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
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20264
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/07/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
04/07/2026
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
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20264
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/07/2026
Resolved
FCOM8997
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational
04/07/2026
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
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20225
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/03/2026
Resolved
FCOM8997
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational
04/07/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of 80%
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20225
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/07/2026
Resolved
FCRE8999
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational
04/07/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of 80%
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20225
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/07/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
04/07/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of 80%
A
A
A
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A
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A
A
A
A
A
A
A
XXX
RATE2026J20274
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/07/2026
Resolved
FCRE8999
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational
04/07/2026
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.
A
A
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A
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A
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A
A
A
A
A
A
A
A
A
XXX
RATE2026J20274
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/07/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
04/07/2026
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.
A
A
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A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20274
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/07/2026
Resolved
FCOM8997
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational
04/07/2026
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.
A
A
A
A
A
A
A
A
A
A
A
A
A
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A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20232
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/07/2026
Resolved
FCRE1184
Credit
AUS Not Provided
Missing AUS.
    
AUS is not missing.; AUS received. ; Document Uploaded.
04/23/2026
Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job.
D
A
D
A
D
A
A
A
C
A
D
D
A
C
D
D
A
C
D
D
A
C
D
D
A
C
D
D
A
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20232
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/06/2026
Resolved
finding-3634
Compliance
Charges That Cannot Increase Test
This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of XXX is the initial loan estimate fail. The defect can be cured by providing the initial and any revised Loan Estimates that were issued to the consumer prior to LE dated XX/XX/XXXX.
Loan Estimate
04/16/2026
Valid COC provided; exception resolved; Valid COC provided; exception resolved; Document Uploaded. ; TILA 130b Cure Required.  Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of XXX is due to the addition of the Appraisal Review Fee on the revised LE dated XX/XX/XXXX, COC in file dated XX/XX/XXXX does not detail a valid reason for the fee addition. Please provide a valid COC or cure package.; 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).
04/17/2026
Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job.
D
A
C
A
D
A
A
A
C
A
D
D
A
C
D
D
A
C
D
D
A
C
D
D
A
C
D
D
A
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20232
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/06/2026
Resolved
finding-3367
Compliance
RESPA Homeownership Counseling Organizations Disclosure Date Test
This loan failed the homeownership XXX organizations disclosure date test due to the following findings: (12 CFR §1024.20(a) he loan has a homeownership XXX organizations disclosure date that is not within three business days of the loan Originator's XXX (or the date creditor received application if loan Originator's XXX is XXX); orThe homeownership XXX 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 XXX organizations that provide relevant XXX services in the loan applicant's location. The list of homeownership XXX 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 XXX for lenders to use in complying with the requirements of this section; or(XXX ata made available by the XXX 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 §1024.2(b) and as it relates to §1024.20 (list of homeownership counseling organizations provided not later than 3 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 XXX As not being open on XXX PLEASE 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, XXX  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 XXX organizations. Documentation required to clear exception: Provide homeownership XXX disclosure that was provided to the consumer within XXX-business days of application, XX/XX/XXXX.
List homeownership counseling organizations
04/13/2026
Document Uploaded.
04/13/2026
Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job.
D
A
B
A
D
A
A
A
C
A
D
D
A
C
D
D
A
C
D
D
A
C
D
D
A
C
D
D
A
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20232
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/06/2026
Resolved
finding-3635
Compliance
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). TILA 130b Cure Required. Refund in the amount of XXX cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The XXX% tolerance violation in the amount of XXX is due to the missing ILE dated within XXX business days of application XX/XX/XXXX. The defect can be cured by providing the initial and any revised Loan Estimates prior to XX/XX/XXXX that were issued to the consumer.
    
Initial LE provided, Exception resolved; Initial LE provided, Exception resolved
04/13/2026
Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job.
D
A
C
A
D
A
A
A
C
A
D
D
A
C
D
D
A
C
D
D
A
C
D
D
A
C
D
D
A
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20232
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/06/2026
Resolved
finding-3515
Compliance
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 XXX , 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 XXX As not being open on XXX PLEASE 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, XXX  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. Documentation required to clear exception. The Initial Loan Estimate dated XX/XX/XXXX (per compliance report in file) is missing from the loan file. The earliest LE in the loan file was issued on XX/XX/XXXX. The violation can be cured by providing the initial LE within XXX days of XXX XX/XX/XXXX (per compliance report in file)
Loan Estimate
04/13/2026
Initial LE provided, Exception resolved; Initial LE provided, Exception resolved; Document Uploaded. ; Document Uploaded.
04/13/2026
Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job.
D
A
C
A
D
A
A
A
C
A
D
D
A
C
D
D
A
C
D
D
A
C
D
D
A
C
D
D
A
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20232
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/09/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
04/09/2026
Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job.
D
A
A
A
D
A
A
A
C
A
D
D
A
C
D
D
A
C
D
D
A
C
D
D
A
C
D
D
A
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20122
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/07/2026
Resolved
FCOM8997
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational
04/09/2026
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.
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20122
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/07/2026
Resolved
FCRE8999
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational
04/09/2026
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.
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20122
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/07/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
04/09/2026
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.
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20265
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/07/2026
Resolved
FPRO9990
Property
Third Party Valuation Product Not Provided within 10% Tolerance
Third Party Valuation Product XXX or XXX Within Tolerance. UCD score is XXX a third party valuation is required.
Field review
04/10/2026
Third party valuation product provided within tolerance.; Field review provided. ; Document Uploaded.
04/13/2026
Borrower has stable job time - Borrower has XXX years on job.
C
A
C
A
A
A
C
A
A
A
C
A
C
A
C
A
C
A
C
A
C
A
C
A
C
A
C
A
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20265
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/07/2026
Resolved
FCOM8997
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational
04/09/2026
Borrower has stable job time - Borrower has XXX years on job.
C
A
A
A
A
A
C
A
A
A
C
A
C
A
C
A
C
A
C
A
C
A
C
A
C
A
C
A
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20265
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/09/2026
Resolved
FCRE8999
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational
04/09/2026
Borrower has stable job time - Borrower has XXX years on job.
C
A
A
A
A
A
C
A
A
A
C
A
C
A
C
A
C
A
C
A
C
A
C
A
C
A
C
A
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20070
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/08/2026
Resolved
FCOM8997
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational
04/09/2026
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.
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20070
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/09/2026
Resolved
FCRE8999
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational
04/09/2026
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.
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20070
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/09/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
04/09/2026
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.
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20009
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/08/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
04/09/2026
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.
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
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A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20009
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/08/2026
Resolved
FCRE8999
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational
04/09/2026
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.
A
A
A
A
A
A
A
A
A
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A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20009
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/08/2026
Resolved
FCOM8997
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational
04/09/2026
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.
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
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A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20224
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/08/2026
Resolved
FCRE1159
Credit
Hazard Insurance Effective Date is after the Disbursement Date
Hazard Insurance Effective Date of XX/XX/XXXX is after the Disbursement Date of XX/XX/XXXX. Insurance declaration provided is not in affect on the disbursement day of XX/XX/XXXX. Provide updated insurance showing effecting on XX/XX/XXXX.
Tolerance Cure Docs
04/17/2026
Hazard Insurance Effective Date of XX/XX/XXXX is prior to or equal to the Disbursement Date of XX/XX/XXXX Or Hazard Insurance Effective Date Is XXX.; Disbursement date update XX/XX/XXXX; Document Uploaded.
04/20/2026
  
C
A
C
A
C
A
A
A
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20224
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/08/2026
Resolved
FCOM8997
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational
04/09/2026
  
C
A
A
A
C
A
A
A
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20224
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/09/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
04/09/2026
  
C
A
A
A
C
A
A
A
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20272
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/08/2026
Resolved
FCOM8997
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational
04/09/2026
Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of 80% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
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A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20272
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/09/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
04/09/2026
Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of 80% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
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A
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A
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A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20272
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/09/2026
Resolved
FCRE8999
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational
04/09/2026
Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of 80% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
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A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20228
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/09/2026
Resolved
FCOM8997
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational
04/09/2026
Borrower has stable job time - Borrower has XXX years on job.
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20228
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/09/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
04/09/2026
Borrower has stable job time - Borrower has XXX years on job.
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20228
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/09/2026
Resolved
FCRE8999
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational
04/09/2026
Borrower has stable job time - Borrower has XXX years on job.
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
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A
A
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A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20211
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/08/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
04/09/2026
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.
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20211
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/08/2026
Resolved
FCRE8999
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational
04/09/2026
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.
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20211
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/09/2026
Resolved
FCOM8997
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational
04/09/2026
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.
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20132
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/08/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
04/14/2026
Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% 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 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20132
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/08/2026
Resolved
FCRE8999
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational
04/14/2026
Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% 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 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20132
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/09/2026
Resolved
FCOM8997
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational
04/14/2026
Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% 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 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20192
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/09/2026
Resolved
FCOM8997
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational
04/14/2026
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
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20192
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/09/2026
Resolved
FCRE8999
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational
04/14/2026
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
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20192
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/09/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
04/14/2026
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
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20158
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/09/2026
Resolved
FCRE0387
Credit
Borrower 2 Photo Identification not provided
Borrower 2 Photo Identification XXX. The Patriot Act/CIP disclosure for Borrower #XXX is incomplete. The file is missing documentation evidencing ID verification, as current disclosure on page XXX does not reflect verification
Photo ID
04/21/2026
Photo Identification provided.; Evidence provided; Document Uploaded. ; Document Uploaded.
04/22/2026
Borrower has stable job time - Borrower has XXX years on job.
D
A
D
A
D
A
A
A
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20158
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/09/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
04/14/2026
Borrower has stable job time - Borrower has XXX years on job.
D
A
A
A
D
A
A
A
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20158
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/09/2026
Resolved
FCOM8997
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational
04/14/2026
Borrower has stable job time - Borrower has XXX years on job.
D
A
A
A
D
A
A
A
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20048
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/09/2026
Resolved
FCRE8999
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational
04/14/2026
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
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20048
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/09/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
04/14/2026
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
A
A
A
A
A
A
A
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A
A
A
A
A
A
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A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20048
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/09/2026
Resolved
FCOM8997
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational
04/14/2026
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
A
A
A
A
A
A
A
A
A
A
A
A
A
A
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A
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A
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A
A
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A
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A
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A
A
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A
A
A
A
A
A
A
XXX
RATE2026J20016
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/09/2026
Resolved
FVAL9739
Property
Property/Appraisal General
Property/Appraisal guideline violation: Appraisal reflects the subject property zoning is Legal Non-Conforming. The appraiser commented that he was unable to confirm if the property can be rebuilt if destroyed. Ability to rebuild is required per Fannie Mae guidelines.
Appraisal update received.
04/30/2026
Property/Appraisal Meets Guidelines; Document Uploaded.
04/30/2026
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.
C
A
C
A
A
A
C
A
A
A
C
A
C
A
C
A
C
A
C
A
C
A
C
A
C
A
C
A
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20016
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/09/2026
Resolved
FCRE8999
Credit
No Credit Findings
The loan meets all applicable credit guidelines. The loan meets all applicable credit guidelines.
    
Informational
04/14/2026
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.
C
A
A
A
A
A
C
A
A
A
C
A
C
A
C
A
C
A
C
A
C
A
C
A
C
A
C
A
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20016
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/09/2026
Resolved
FCOM8997
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational
04/14/2026
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.
C
A
A
A
A
A
C
A
A
A
C
A
C
A
C
A
C
A
C
A
C
A
C
A
C
A
C
A
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20050
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/09/2026
Resolved
finding-3634
Compliance
Charges That Cannot Increase Test
This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of XXX is due to addition of the Verification of Employment fee in the amount of XXX added to LE dated XX/XX/XXXX. COC in the file does not mention the reason for the verification addition.
Loan estimate
04/16/2026
Revised LE and valid COC provided; exception resolved; Revised LE and valid COC provided; exception resolved; Document Uploaded.
04/17/2026
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%
C
A
C
A
A
A
A
A
C
A
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20050
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/09/2026
Resolved
FCRE8999
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational
04/14/2026
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%
C
A
A
A
A
A
A
A
C
A
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20050
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/09/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
04/14/2026
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%
C
A
A
A
A
A
A
A
C
A
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20275
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/09/2026
Resolved
FCOM8997
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational
04/14/2026
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%
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
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A
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A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20275
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/09/2026
Resolved
FCRE8999
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational
04/14/2026
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%
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20275
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/09/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
04/14/2026
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%
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20257
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/09/2026
Resolved
FCRE2504
Credit
Borrower 2 Verbal Verification of Employment does not meet GSE guideline timing requirement
B2 Verbal Verification of Employment was obtained more than XXX business day prior to the Note.
Verbal Verification of Employment
04/15/2026
B2 Verbal Verification of Employment meets guideline timing requirement.; VOE dated XX/XX/XXXX provided. ; Document Uploaded.
04/17/2026
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.
C
A
C
A
C
A
A
A
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20257
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/09/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
04/14/2026
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.
C
A
A
A
C
A
A
A
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20257
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/09/2026
Resolved
FCOM8997
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational
04/14/2026
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.
C
A
A
A
C
A
A
A
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20051
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/10/2026
Resolved
finding-3367
Compliance
RESPA Homeownership Counseling Organizations Disclosure Date Test
Documentation required to clear exception: Provide homeownership XXX disclosure that was provided to the consumer within XXX-business days of application, XX/XX/XXXX. This loan failed the homeownership XXX organizations disclosure date test due to the following findings: (12 CFR §1024.20(a) he loan has a homeownership XXX organizations disclosure date that is not within three business days of the loan Originator's XXX (or the date creditor received application if loan Originator's XXX is XXX); orThe homeownership XXX 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 XXX organizations that provide relevant XXX services in the loan applicant's location. The list of homeownership XXX 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 XXX for lenders to use in complying with the requirements of this section; or(XXX ata made available by the XXX 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 §1024.2(b) and as it relates to §1024.20 (list of homeownership counseling organizations provided not later than 3 business days after a loan originator receives an application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:NonePlease note: This test does not validate the content of any list of homeownership XXX organizations.
    
HOC provided; Exception resolved; HOC provided; Exception resolved
04/17/2026
Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline CLTV of 80% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
C
A
B
A
A
A
A
A
C
A
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20051
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/10/2026
Resolved
finding-3515
Compliance
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 XXX , 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:NoneThe 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. Documentation required to clear exception. The Initial Loan Estimate dated XX/XX/XXXX (per compliance report in file) is missing from the loan file. The earliest LE in the loan file was issued on XX/XX/XXXX The violation can be cured by providing the initial LE within XXX days of XXX XX/XX/XXXX
 Initial Disclosures
04/16/2026
Initial LE provided; exception resolved ; Initial LE provided; exception resolved ; Document Uploaded.
04/17/2026
Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline CLTV of 80% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
C
A
C
A
A
A
A
A
C
A
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20051
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/10/2026
Resolved
FCOM1080
Compliance
Service provider list not provided within 3 days of application
Documentation required to clear exception - Service Provider list issued within XXX days of XXX, XX/XX/XXXX
    
XXX  provided; exception resolved
04/17/2026
Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline CLTV of 80% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
C
A
C
A
A
A
A
A
C
A
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20051
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/10/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
04/14/2026
Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline CLTV of 80% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
C
A
A
A
A
A
A
A
C
A
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20051
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/10/2026
Resolved
FCRE8999
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational
04/14/2026
Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline CLTV of 80% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
C
A
A
A
A
A
A
A
C
A
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20161
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/10/2026
Resolved
FCRE8999
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational
04/14/2026
Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of 80% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20161
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/10/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
04/14/2026
Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of 80% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20161
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/10/2026
Resolved
FCOM8997
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational
04/14/2026
Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of 80% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
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XXX
RATE2026J20134
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/10/2026
Resolved
FCOM8997
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational
04/14/2026
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
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A
XXX
RATE2026J20134
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/10/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
04/14/2026
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
A
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XXX
RATE2026J20134
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/14/2026
Resolved
FCRE8999
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational
04/14/2026
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
A
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A
A
XXX
RATE2026J20088
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/10/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
04/14/2026
Borrower has stable job time - Borrower has XXX years on job.
A
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A
XXX
RATE2026J20088
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/10/2026
Resolved
FCRE8999
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational
04/14/2026
Borrower has stable job time - Borrower has XXX years on job.
A
A
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A
XXX
RATE2026J20088
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/10/2026
Resolved
FCOM8997
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational
04/14/2026
Borrower has stable job time - Borrower has XXX years on job.
A
A
A
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A
A
A
A
XXX
RATE2026J20155
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/10/2026
Resolved
FCOM8997
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational
04/14/2026
  
A
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A
A
A
A
A
A
XXX
RATE2026J20155
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/10/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
04/14/2026
  
A
A
A
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A
A
A
A
A
XXX
RATE2026J20155
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/14/2026
Resolved
FCRE8999
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational
04/14/2026
  
A
A
A
A
A
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A
A
A
A
XXX
RATE2026J20157
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/10/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
04/14/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of 80% | 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.
A
A
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A
A
A
A
A
A
A
XXX
RATE2026J20157
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/10/2026
Resolved
FCOM8997
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational
04/14/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of 80% | 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.
A
A
A
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A
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A
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A
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A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20157
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/14/2026
Resolved
FCRE8999
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational
04/14/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of 80% | 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.
A
A
A
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A
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A
A
A
A
A
A
XXX
RATE2026J20098
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/14/2026
Resolved
FCOM1080
Compliance
Service provider list not provided within 3 days of application
The SPL issued XX/XX/XXXX is more than XXX business days from XXX XX/XX/XXXX. Per XXX in file, the Provider's list dated XX/XX/XXXX is missing.
SPL with audit log
04/16/2026
XXX received - exception resolved; Document Uploaded.
04/17/2026
Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of 90%
C
A
C
A
A
A
A
A
C
A
C
A
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C
C
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C
C
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C
C
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C
C
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C
A
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A
A
A
A
A
A
XXX
RATE2026J20098
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/14/2026
Resolved
finding-3367
Compliance
RESPA Homeownership Counseling Organizations Disclosure Date Test
This loan failed the homeownership XXX organizations disclosure date test due to the following findings: (12 CFR §1024.20(a) he loan has a homeownership XXX organizations disclosure date that is not within three business days of the loan Originator's XXX (or the date creditor received application if loan Originator's XXX is XXX); orThe homeownership XXX 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 XXX organizations that provide relevant XXX services in the loan applicant's location. The list of homeownership XXX 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 XXX for lenders to use in complying with the requirements of this section; or(XXX ata made available by the XXX 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 §1024.2(b) and as it relates to §1024.20 (list of homeownership counseling organizations provided not later than 3 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 XXX As not being open on XXX PLEASE 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, XXX  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 XXX organizations. Documentation required to clear exception: Provide Homeownership XXX disclosure that was provided to the consumer within XXX business days of the application, XXX
HCO with Audit Log
04/16/2026
Homeownership XXX Organizations Disclosure received - exception resolved; Homeownership XXX Organizations Disclosure received - exception resolved; Document Uploaded.
04/17/2026
Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of 90%
C
A
B
A
A
A
A
A
C
A
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
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C
A
A
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A
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A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20098
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/14/2026
Resolved
finding-3515
Compliance
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 XXX , 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 XXX As not being open on XXX PLEASE 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, XXX  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. Documentation Required to clear exception. The Initial Loan Estimate dated XXX (per compliance report in file) is missing from the loan file. The earliest LE in the loan file was issued on XXX. The violation can be cured by providing the Initial LE within XXX days of XXX of XXX
 Initial LE and SPL with Audit Log
04/16/2026
Initial LE received - exception resolved; Initial LE received - exception resolved; Document Uploaded.
04/17/2026
Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of 90%
C
A
C
A
A
A
A
A
C
A
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20098
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/10/2026
Resolved
FCRE8999
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational
04/14/2026
Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of 90%
C
A
A
A
A
A
A
A
C
A
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20098
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/10/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
04/14/2026
Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of 90%
C
A
A
A
A
A
A
A
C
A
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20006
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/10/2026
Resolved
FCRE8999
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational
04/14/2026
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
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
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A
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A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20006
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/10/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
04/14/2026
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
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20006
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/14/2026
Resolved
FCOM8997
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational
04/14/2026
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
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20212
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/10/2026
Resolved
FCOM1206
Credit
The Note is Missing
The Note is Missing. The Note is Missing.
Executed Note
04/16/2026
The Note is Present.; Note provided; Document Uploaded.
04/17/2026
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of 80%
D
A
D
A
D
A
A
A
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20212
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/10/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
04/14/2026
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of 80%
D
A
A
A
D
A
A
A
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20212
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/14/2026
Resolved
FCOM8997
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational
04/14/2026
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of 80%
D
A
A
A
D
A
A
A
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20205
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/10/2026
Resolved
FCRE8999
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational
04/14/2026
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
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20205
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/10/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
04/14/2026
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
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20205
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/13/2026
Resolved
FCOM8997
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational
04/14/2026
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
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
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A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20276
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/10/2026
Resolved
FCRE8999
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational
04/14/2026
Borrower has stable job time - Borrower has XXX years on job.
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20276
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/10/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
04/14/2026
Borrower has stable job time - Borrower has XXX years on job.
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20276
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/13/2026
Resolved
FCOM8997
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational
04/14/2026
Borrower has stable job time - Borrower has XXX years on job.
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20241
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/10/2026
Resolved
FCOM1206
Credit
The Note is Missing
The Note is Missing. Documentation required to clear exception: Please provide missing Note.
Note document
04/21/2026
The Note is Present.; Executed Note provided; Document Uploaded.
04/22/2026
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
D
A
D
A
D
A
A
A
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20241
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/10/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
04/14/2026
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
D
A
A
A
D
A
A
A
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20241
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/13/2026
Resolved
FCOM8997
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational
04/14/2026
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
D
A
A
A
D
A
A
A
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20059
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/13/2026
Resolved
FCRE8999
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational
04/16/2026
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20059
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/13/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
04/16/2026
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20059
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/14/2026
Resolved
FCOM8997
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational
04/16/2026
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20064
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/13/2026
Resolved
FCRE8999
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational
04/16/2026
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
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20064
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/13/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
04/16/2026
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
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20064
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/14/2026
Resolved
FCOM8997
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational
04/16/2026
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
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20018
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/15/2026
Resolved
finding-3367
Compliance
RESPA Homeownership Counseling Organizations Disclosure Date Test
This loan failed the homeownership XXX organizations disclosure date test due to the following findings: (12 CFR §1024.20(a) he loan has a homeownership XXX organizations disclosure date that is not within three business days of the loan Originator's XXX (or the date creditor received application if loan Originator's XXX is XXX); orThe homeownership XXX 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 XXX organizations that provide relevant XXX services in the loan applicant's location. The list of homeownership XXX 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 XXX for lenders to use in complying with the requirements of this section; or(XXX ata made available by the XXX 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 §1024.2(b) and as it relates to §1024.20 (list of homeownership counseling organizations provided not later than 3 business days after a loan originator receives an application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:NonePlease note: This test does not validate the content of any list of homeownership XXX organizations. Documentation required to clear exception: Provide homeownership XXX disclosure that was provided to the consumer within XXX-business days of application, XX/XX/XXXX.
 Homeownership counseling disclosure
04/17/2026
HOC dated within XXX days of the XXX; exception resolved; HOC dated within XXX days of the XXX; exception resolved; Document Uploaded.
04/20/2026
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
B
A
B
A
A
A
A
A
B
A
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20018
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/16/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
04/16/2026
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
B
A
A
A
A
A
A
A
B
A
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20018
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/16/2026
Resolved
FCRE8999
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational
04/16/2026
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
B
A
A
A
A
A
A
A
B
A
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20195
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/15/2026
Resolved
FCRE8999
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational
04/16/2026
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.
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20195
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/15/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
04/16/2026
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.
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20195
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/15/2026
Resolved
FCOM8997
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational
04/16/2026
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.
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20267
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/15/2026
Resolved
finding-3367
Compliance
RESPA Homeownership Counseling Organizations Disclosure Date Test
This loan failed the homeownership XXX organizations disclosure date test due to the following findings: (12 CFR §1024.20(a) he loan has a homeownership XXX organizations disclosure date that is not within three business days of the loan Originator's XXX (or the date creditor received application if loan Originator's XXX is XXX); orThe homeownership XXX 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 XXX organizations that provide relevant XXX services in the loan applicant's location. The list of homeownership XXX 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 XXX for lenders to use in complying with the requirements of this section; or(XXX ata made available by the XXX 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 §1024.2(b) and as it relates to §1024.20 (list of homeownership counseling organizations provided not later than 3 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 XXX As not being open on XXX PLEASE 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, XXX  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 XXX organizations. Documentation required to clear exception: Provide homeownership XXX disclosure that was provided to the consumer within XXX-business days of application, XX/XX/XXXX.
Homeownership counseling disclosure
04/17/2026
HOC dated within XXX days of the XXX; exception resovled ; HOC dated within XXX days of the XXX; exception resovled ; Document Uploaded.
04/20/2026
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.
B
A
B
A
A
A
A
A
B
A
B
A
A
B
B
A
A
B
B
A
A
B
B
A
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B
B
A
A
B
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20267
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/15/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
04/16/2026
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.
B
A
A
A
A
A
A
A
B
A
B
A
A
B
B
A
A
B
B
A
A
B
B
A
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B
B
A
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B
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20267
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/15/2026
Resolved
FCRE8999
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational
04/16/2026
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.
B
A
A
A
A
A
A
A
B
A
B
A
A
B
B
A
A
B
B
A
A
B
B
A
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B
B
A
A
B
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20126
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/16/2026
Resolved
finding-3635
Compliance
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). TILA 130b Cure Required.  Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The XXX% tolerance violation in the amount of XXX is due to the addition of the pest inspection fee of XXX on CD dated XX/XX/XXXX. The pest inspection fee tested using XXX% tolerance as fee not listed on the Service Provider's List.
    
Client sent in rebuttal response to XXX to confirm that the pest inspection was not required by lender. Therefore not subject to XXX% tolerance testing. Exception resolved.
05/04/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of 80%
C
A
C
A
A
A
A
A
C
A
C
A
A
C
C
A
A
C
C
A
A
C
C
A
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C
C
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A
C
A
A
A
A
A
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A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20126
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/16/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
04/21/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of 80%
C
A
A
A
A
A
A
A
C
A
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
A
A
A
A
A
A
A
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A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20126
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/16/2026
Resolved
FCRE8999
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational
04/21/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of 80%
C
A
A
A
A
A
A
A
C
A
C
A
A
C
C
A
A
C
C
A
A
C
C
A
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C
C
A
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C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20130
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/16/2026
Resolved
FCOM8997
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational
04/21/2026
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%
A
A
A
A
A
A
A
A
A
A
A
A
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A
A
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A
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A
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A
A
A
A
A
A
A
A
A
XXX
RATE2026J20130
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/16/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
04/21/2026
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%
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
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A
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A
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A
A
A
A
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A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20130
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/16/2026
Resolved
FCRE8999
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational
04/21/2026
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%
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
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A
A
A
A
A
A
A
A
A
XXX
RATE2026J20186
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/16/2026
Resolved
FCOM8997
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational
04/21/2026
Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% 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
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
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A
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A
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A
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A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20186
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/16/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
04/21/2026
Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% 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
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
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A
A
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A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20186
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/16/2026
Resolved
FCRE8999
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational
04/21/2026
Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% 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
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
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A
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A
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A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20111
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/22/2026
Resolved
FCRE8999
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational
04/28/2026
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
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A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20111
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/22/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
04/28/2026
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20111
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/22/2026
Resolved
FCOM8997
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational
04/28/2026
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20169
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/22/2026
Resolved
FCOM1266
Compliance
Homeownership Counseling Disclosure Is Missing
Homeownership XXX Disclosure Is Missing Documentation required to clear exception: Provide homeownership XXX disclosure that was provided to the consumer within XXX-business days of XXX of XX/XX/XXXX.
Homeownership Counselling Disclosure
04/29/2026
Homeownership XXX Disclosure Is Present or Not Applicable; Document Uploaded.
04/30/2026
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%
D
A
B
A
D
A
A
A
B
A
D
D
A
B
D
D
A
B
D
D
A
B
D
D
A
B
D
D
A
B
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20169
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/22/2026
Resolved
FCOM5135
Compliance
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.
Affiliated Business Disclosure and Audit Log Proof of Delivery
04/29/2026
Required Affiliated Business Disclosure Documentation Provided.; Document Uploaded.
04/30/2026
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%
D
A
B
A
D
A
A
A
B
A
D
D
A
B
D
D
A
B
D
D
A
B
D
D
A
B
D
D
A
B
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20169
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/22/2026
Resolved
FCRE1185
Credit
AUS Partially Provided
AUS Partially Provided. Provide updated AUS/DU Findings, one contained in file not matching final XXX and includes sold property at XXX.
    
AUS is not incomplete.; Updated AUS provided dated XX/XX/XXXX along with XXX and XXX; Document Uploaded.
04/30/2026
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%
D
A
D
A
D
A
A
A
B
A
D
D
A
B
D
D
A
B
D
D
A
B
D
D
A
B
D
D
A
B
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20169
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/22/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan.
    
Informational
04/28/2026
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%
D
A
A
A
D
A
A
A
B
A
D
D
A
B
D
D
A
B
D
D
A
B
D
D
A
B
D
D
A
B
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20053
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/22/2026
Resolved
FCOM1544
Compliance
TRID: Missing Closing Disclosure
TRID: Missing Final Closing Disclosure Documentation required to clear exception: The Final CD dated XX/XX/XXXX is missing from the loan file per XXX in file. All testing was completed using CD dated XX/XX/XXXX. Please provide final CD for additional testing.
Final closing disclosure
04/29/2026
TRID: Final Closing Disclosure Provided; Document Uploaded.
04/30/2026
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.
D
A
D
A
D
A
A
A
D
A
D
D
A
D
D
D
A
D
D
D
A
D
D
D
A
D
D
D
A
D
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20053
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/22/2026
Resolved
FCRE1173
Credit
HO6 Master Insurance Policy is Missing
Missing HO-6 Master Insurance Policy Missing Master Insurance Policy
H06_Insurance_Policy and HOA_Master_Policy
04/29/2026
HO-6 Master Insurance Policy is fully present; Insurance certs provided; Document Uploaded.
04/30/2026
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.
D
A
D
A
D
A
A
A
D
A
D
D
A
D
D
D
A
D
D
D
A
D
D
D
A
D
D
D
A
D
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20053
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/22/2026
Resolved
FCRE1365
Credit
Borrower 2 IRS Transcripts Missing
Borrower 2 IRS Transcripts Missing Borrower 2 W2 IRS Transcripts Missing
B2_IRS W2 Transcripts
04/29/2026
Borrower 2 IRS Transcripts Provided or Not Applicable (Number of Borrowers equals XXX); Transcripts provided; Document Uploaded.
04/30/2026
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.
D
A
D
A
D
A
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D
A
D
D
A
D
D
D
A
D
D
D
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D
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D
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D
A
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A
A
A
A
A
A
XXX
RATE2026J20053
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/22/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
04/28/2026
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.
D
A
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D
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XXX
RATE2026J20091
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/22/2026
Resolved
FCRE8999
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational
04/28/2026
Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline DTI of XXX%
A
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XXX
RATE2026J20091
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/22/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
04/28/2026
Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline DTI of XXX%
A
A
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XXX
RATE2026J20091
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/22/2026
Resolved
FCOM8997
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational
04/28/2026
Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline DTI of XXX%
A
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XXX
RATE2026J20085
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/22/2026
Resolved
FCRE8999
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational
04/28/2026
Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job.
A
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A
A
A
A
XXX
RATE2026J20085
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/22/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
04/28/2026
Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job.
A
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A
A
A
XXX
RATE2026J20085
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/22/2026
Resolved
FCOM8997
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational
04/28/2026
Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job.
A
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A
A
A
XXX
RATE2026J20152
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/23/2026
Resolved
FCRE1335
Credit
Borrower 1 IRS Transcripts Missing
Borrower 1 IRS Transcripts Missing Borrower 1 W2 IRS Transcripts Missing or documentation of no record found
Transcripts
04/29/2026
Borrower 1 IRS Transcripts Provided; Transcripts provided; Document Uploaded.
04/30/2026
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
D
A
D
A
D
A
A
A
A
A
D
D
A
A
D
D
A
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D
D
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D
D
A
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D
D
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A
A
A
A
A
A
A
A
A
XXX
RATE2026J20152
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/22/2026
Resolved
FCOM8997
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational
04/28/2026
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
D
A
A
A
D
A
A
A
A
A
D
D
A
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D
D
A
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D
D
A
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D
D
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D
D
A
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A
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A
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A
A
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A
A
A
A
A
A
A
XXX
RATE2026J20152
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/23/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
04/28/2026
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
D
A
A
A
D
A
A
A
A
A
D
D
A
A
D
D
A
A
D
D
A
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D
D
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D
D
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A
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A
A
A
A
A
A
A
XXX
RATE2026J20159
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/23/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
04/28/2026
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%
A
A
A
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A
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XXX
RATE2026J20159
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/23/2026
Resolved
FCRE8999
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational
04/28/2026
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%
A
A
A
A
A
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A
A
A
A
A
A
A
XXX
RATE2026J20159
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/23/2026
Resolved
FCOM8997
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational
04/28/2026
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%
A
A
A
A
A
A
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A
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A
A
A
A
A
A
A
XXX
RATE2026J20154
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/22/2026
Resolved
FCOM8997
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational
04/28/2026
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.
A
A
A
A
A
A
A
A
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A
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A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20154
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/23/2026
Resolved
FCRE8999
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational
04/28/2026
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.
A
A
A
A
A
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A
A
A
A
A
A
A
XXX
RATE2026J20154
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/23/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
04/28/2026
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.
A
A
A
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A
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A
A
A
A
A
A
A
XXX
RATE2026J20044
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/22/2026
Resolved
FCOM8997
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational
04/28/2026
Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of 80%
A
A
A
A
A
A
A
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A
A
A
A
A
A
A
XXX
RATE2026J20044
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/23/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
04/28/2026
Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of 80%
A
A
A
A
A
A
A
A
A
A
A
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A
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A
A
A
A
A
A
A
A
A
XXX
RATE2026J20044
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/23/2026
Resolved
FCRE8999
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational
04/28/2026
Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of 80%
A
A
A
A
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A
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A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20118
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/27/2026
Resolved
finding-3634
Compliance
Charges That Cannot Increase Test
This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure Required.  Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of XXX is due to addition of the deed prep fee on the CD dated XX/XX/XXXX without valid COC.
COC
04/29/2026
Valid COC provided - exception resolved; Document Uploaded.
04/30/2026
Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of 65% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of 65% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
C
A
C
A
A
A
A
A
C
A
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20118
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/24/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
04/28/2026
Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of 65% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of 65% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
C
A
A
A
A
A
A
A
C
A
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20118
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/27/2026
Resolved
FCRE8999
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational
04/28/2026
Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of 65% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of 65% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
C
A
A
A
A
A
A
A
C
A
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20162
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/22/2026
Resolved
FCOM1266
Compliance
Homeownership Counseling Disclosure Is Missing
Homeownership XXX Disclosure Is Missing Documentation required to clear exception: Provide homeownership XXX disclosure that was provided to the consumer within XXX-business days of application, XX/XX/XXXX
Homeownership counseling disclosure
04/29/2026
Homeownership XXX Disclosure provided - exception resolved; Document Uploaded.
04/30/2026
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.
D
A
B
A
D
A
A
A
B
A
D
D
A
B
D
D
A
B
D
D
A
B
D
D
A
B
D
D
A
B
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20162
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/22/2026
Resolved
FCOM5135
Compliance
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.
Affiliated Business Disclosure
04/29/2026
Required Affiliated Business Disclosure Documentation Provided.; Document Uploaded.
04/30/2026
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.
D
A
B
A
D
A
A
A
B
A
D
D
A
B
D
D
A
B
D
D
A
B
D
D
A
B
D
D
A
B
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20162
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/22/2026
Resolved
FCRE1145
Credit
Title Document Missing
Title Document is missing Title is missing
Title Document
04/29/2026
Title Document is fully Present; Title provided. Dated XX/XX/XXXX. XXX coverage; Document Uploaded.
04/30/2026
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.
D
A
D
A
D
A
A
A
B
A
D
D
A
B
D
D
A
B
D
D
A
B
D
D
A
B
D
D
A
B
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20162
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/23/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
04/28/2026
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.
D
A
A
A
D
A
A
A
B
A
D
D
A
B
D
D
A
B
D
D
A
B
D
D
A
B
D
D
A
B
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20062
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/23/2026
Cured
finding-3652
Compliance
Lender Credits That Cannot Decrease Test
TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The Lender paid the Title Transaction Management fee of XXX on the CD issued XX/XX/XXXX; however, the Lender Paid fee reflected borrower paid on the CD issued XX/XX/XXXX without a valid reason for removing lender paid. This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i) he loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits XXX does not exceed or equal the comparable sum of specific and non-specific lender credits ($XXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i).
Cure Package uploaded;  Check Copy
05/26/2026
Received copy of PCCD, LOE, Copy of refund check of XXX and proof of delivery from the client for testing. Exception cured; Received copy of PCCD, LOE, Copy of refund check of XXX and proof of delivery from the client for testing. Exception cured; Document Uploaded. ; Copy of check provided, please provide remainder of cure package (PCCD & LOE); Document Uploaded.
05/26/2026
Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of 80% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
C
B
C
B
A
A
A
A
C
B
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
XXX
RATE2026J20062
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/23/2026
Resolved
FCRE8999
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational
04/28/2026
Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of 80% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
C
B
A
A
A
A
A
A
C
B
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
XXX
RATE2026J20062
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/23/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
04/28/2026
Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of 80% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
C
B
A
A
A
A
A
A
C
B
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
XXX
RATE2026J20177
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/22/2026
Resolved
FCRE0387
Credit
Borrower 2 Photo Identification not provided
Borrower 2 Photo Identification XXX.
    
Photo Identification provided.; Photo Identification not required; 2nd borrower has a POA.
04/29/2026
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%
D
A
D
A
D
A
A
A
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20177
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/22/2026
Resolved
FCOM8997
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational
04/28/2026
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%
D
A
A
A
D
A
A
A
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20177
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/23/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
04/28/2026
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%
D
A
A
A
D
A
A
A
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20160
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/22/2026
Resolved
FCOM8997
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational
04/28/2026
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.
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20160
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/22/2026
Resolved
FCRE8999
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational
04/28/2026
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.
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20160
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/22/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
04/28/2026
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.
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20008
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/22/2026
Resolved
FCOM8997
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational
04/28/2026
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.
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20008
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/22/2026
Resolved
FCRE8999
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational
04/28/2026
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.
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20008
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/22/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
04/28/2026
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.
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20076
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/22/2026
Resolved
FCOM8997
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational
04/28/2026
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.
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20076
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/23/2026
Resolved
FCRE8999
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational
04/28/2026
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.
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20076
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/23/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
04/28/2026
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.
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20282
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/22/2026
Resolved
FCOM8997
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational
04/28/2026
Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of 90% | 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.
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20282
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/23/2026
Resolved
FCRE8999
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational
04/28/2026
Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of 90% | 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.
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20282
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/23/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
04/28/2026
Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of 90% | 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.
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20251
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/22/2026
Resolved
FCOM8997
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational
04/28/2026
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%
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20251
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/23/2026
Resolved
FCRE8999
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational
04/28/2026
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%
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XXX
RATE2026J20251
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/23/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
04/28/2026
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%
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XXX
RATE2026J20262
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/22/2026
Resolved
FCOM8997
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational
04/28/2026
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.
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XXX
RATE2026J20262
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/23/2026
Resolved
FCRE8999
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational
04/28/2026
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.
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XXX
RATE2026J20262
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/23/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
04/28/2026
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.
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XXX
RATE2026J20281
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/22/2026
Resolved
FCOM8997
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational
04/28/2026
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
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XXX
RATE2026J20281
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/23/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
04/28/2026
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
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XXX
RATE2026J20281
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/23/2026
Resolved
FCRE8999
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational
04/28/2026
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
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XXX
RATE2026J20268
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/23/2026
Resolved
FCRE8999
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational
04/28/2026
  
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XXX
RATE2026J20268
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/23/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
04/28/2026
  
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XXX
RATE2026J20268
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/23/2026
Resolved
FCOM8997
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational
04/28/2026
  
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XXX
RATE2026J20288
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/23/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
04/28/2026
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
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XXX
RATE2026J20288
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/23/2026
Resolved
FCRE8999
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational
04/28/2026
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
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XXX
RATE2026J20288
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/23/2026
Resolved
FCOM8997
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational
04/28/2026
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
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XXX
RATE2026J20216
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/23/2026
Cured
finding-3634
Compliance
Charges That Cannot Increase Test
This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of XXX is due to increase from XXX to XXX for the Notary fee and for the addition of the Title Processing Fee in the amount of XXX on the final CD dated XX/XX/XXXX these fees are being tested as XXX% as they are being paid to an affiliate of the lender.
Cure package;  PCCD and LOE
05/15/2026
Cure package provided to the borrower; exception downgraded to a 2/B; Cure package provided to the borrower; exception downgraded to a 2/B; Document Uploaded. ; Updated cure amount to $XXX. There was a Title - Processing fee for XXX added to the CD without a valid COC. The fee is paid to an affiliate and the provider on the XXX  therefore it subject to XXX% tolerance. A cure of XXX was provided on the PCCD; This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i).; Document Uploaded.
05/18/2026
Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of 80%
C
B
C
B
A
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C
B
C
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B
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B
B
A
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B
B
A
A
B
XXX
RATE2026J20216
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/23/2026
Resolved
finding-3635
Compliance
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). The loan failed charges that cannot increase more than XXX% TILA 130 Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, and Copy of Refund Check, or Valid COC. The XXX% tolerance violation in the amount of XXX is due to increase from XXX to XXX for the Mortgage Recording Fee. The Mortgage Recording Fee increased on the Final CD dated XX/XX/XXXX. The file contained a COC on XX/XX/XXXX and the file contained XXX CD’s dated XX/XX/XXXX, however, the increase to the Mortgage Recording Fee did not change until the final CD.
PCCD and LOE
05/05/2026
PCCD with updated recording fees provided; exception resolved; PCCD with updated recording fees provided; exception resolved; Document Uploaded.
05/06/2026
Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of 80%
C
B
C
A
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C
B
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B
A
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B
B
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B
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B
B
A
A
B
B
A
A
B
XXX
RATE2026J20216
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/23/2026
Resolved
FCRE8999
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational
04/28/2026
Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of 80%
C
B
A
A
A
A
A
A
C
B
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
XXX
RATE2026J20216
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/23/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
04/28/2026
Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of 80%
C
B
A
A
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A
C
B
C
A
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C
B
A
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B
B
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B
B
A
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B
B
A
A
B
B
A
A
B
XXX
RATE2026J20184
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/23/2026
Resolved
finding-3532
Compliance
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 XXX  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 XXX  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 XXX  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 file is dated XX/XX/XXXX and signed XX/XX/XXXX. Consummation took place on XX/XX/XXXX. The violation can be cured by providing the initial CD as well as evidence showing that is was received by the borrower XXX business days prior to consummation of XX/XX/XXXX.
Initial CD
04/30/2026
Initial CD provided; exception resolved; Initial CD provided; exception resolved; Document Uploaded.
05/01/2026
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.
C
A
C
A
A
A
A
A
C
A
C
A
A
C
C
A
A
C
C
A
A
C
C
A
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C
C
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C
A
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A
A
A
XXX
RATE2026J20184
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/23/2026
Resolved
finding-3634
Compliance
Charges That Cannot Increase Test
This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure Required. Refund in the amount of $XXX: cure package requires a PCCD, LOE, Copy of Refund Check, and proof of delivery or a Valid COC. The tolerance violation in the amount of XXX is due to increase from XXX to XXX for the Points-Loan discount Fee. Because the loan failed the initial CD delivery date test due to missing Initial closing disclosure, any values that would be under a valid COC, if the disclosure had been provided, will not be considered valid for tolerance purposes. The violation may be cured if missing closing disclosure(s) are provided. Additional testing will be completed once the Initial CD is provided.
    
Initial CD provided; exception resolved; Initial CD provided; exception resolved
05/01/2026
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.
C
A
C
A
A
A
A
A
C
A
C
A
A
C
C
A
A
C
C
A
A
C
C
A
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C
C
A
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C
A
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A
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A
A
A
A
A
A
A
XXX
RATE2026J20184
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/22/2026
Resolved
FCRE8999
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational
04/28/2026
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.
C
A
A
A
A
A
A
A
C
A
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
A
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A
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XXX
RATE2026J20184
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/22/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
04/28/2026
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.
C
A
A
A
A
A
A
A
C
A
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20191
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/23/2026
Resolved
finding-3634
Compliance
Charges That Cannot Increase Test
This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of XXX is due to increase from XXX to XXX for discount points on the XX/XX/XXXX final CD.
Closing disclosure
04/29/2026
Valid COC with applicable CD provided; exception resolved ; Valid COC with applicable CD provided; exception resolved ; Document Uploaded.
04/30/2026
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.
C
A
C
A
A
A
A
A
C
A
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20191
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/23/2026
Resolved
FCRE8999
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational
04/28/2026
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.
C
A
A
A
A
A
A
A
C
A
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20191
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/24/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
04/28/2026
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.
C
A
A
A
A
A
A
A
C
A
C
A
A
C
C
A
A
C
C
A
A
C
C
A
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C
C
A
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C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20280
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/23/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
04/28/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
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A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20280
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/27/2026
Resolved
FCOM8997
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational
04/28/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
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A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20280
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/27/2026
Resolved
FCRE8999
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational
04/28/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
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A
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A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20181
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/23/2026
Resolved
FCRE8999
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational
04/28/2026
Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job.
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
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A
A
A
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A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20181
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/27/2026
Resolved
FCOM8997
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational
04/28/2026
Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job.
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
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A
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A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20170
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/24/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
04/28/2026
Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of 80% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of 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.
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
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A
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A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20170
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/24/2026
Resolved
FCRE8999
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational
04/28/2026
Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of 80% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of 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.
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20170
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/27/2026
Resolved
FCOM8997
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational
04/28/2026
Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of 80% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of 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.
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20171
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/23/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
04/28/2026
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%
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20171
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/24/2026
Resolved
FCRE8999
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational
04/28/2026
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%
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20171
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/27/2026
Resolved
FCOM8997
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational
04/28/2026
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%
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20024
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/28/2026
Resolved
FCRE9785
Credit
Purchase Contract is Incomplete
Loan Purpose is Purchase but XXX is Incomplete Seller is listed as XXX, Provide documentation to support authorized signor has the authority to sign sales contract
Executed Resolution
04/29/2026
Purchase Contract Doc is complete.; Evidence to support seller as auth signor; Document Uploaded.
04/30/2026
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.
B
A
B
A
B
A
A
A
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20024
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/27/2026
Resolved
FCOM8997
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational
04/28/2026
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.
B
A
A
A
B
A
A
A
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20024
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/28/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
04/28/2026
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.
B
A
A
A
B
A
A
A
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20156
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/27/2026
Resolved
FCOM8997
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational
04/28/2026
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.
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20156
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/28/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
04/28/2026
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.
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20156
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/28/2026
Resolved
FCRE8999
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational
04/28/2026
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.
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
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A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20289
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/27/2026
Resolved
FCOM8997
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational
04/28/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of 80%
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20289
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/28/2026
Resolved
FCRE8999
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational
04/28/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of 80%
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20289
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/28/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
04/28/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of 80%
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20215
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/27/2026
Resolved
FCOM1206
Credit
The Note is Missing
The Note is Missing. Please provide the executed Note.
Note
05/06/2026
The Note is Present.; Executed note provided. ; Document Uploaded.
05/07/2026
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.
D
A
D
A
D
A
A
A
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20215
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/28/2026
Resolved
FCRE1335
Credit
Borrower 1 IRS Transcripts Missing
Borrower 1 IRS Transcripts Missing Borrower 1 IRS Transcripts Missing
B1 Transcripts
05/04/2026
Documentation is sufficient. Transcripts provided. Exception resolved.; Borrower 1 IRS Transcripts Provided; Document Uploaded.
05/07/2026
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.
D
A
D
A
D
A
A
A
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20215
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/28/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
04/28/2026
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.
D
A
A
A
D
A
A
A
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20215
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/28/2026
Resolved
FCOM8997
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational
04/28/2026
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.
D
A
A
A
D
A
A
A
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20043
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/27/2026
Resolved
FCOM8997
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational
04/30/2026
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%
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20043
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/28/2026
Resolved
FCRE8999
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational
04/30/2026
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%
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20043
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/28/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
04/30/2026
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%
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20072
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/01/2026
Resolved
FCRE1365
Credit
Borrower 2 IRS Transcripts Missing
Borrower 2 IRS Transcripts Missing/Missing documentation of no record found
IRS Transcripts
05/07/2026
Borrower 2 IRS Transcripts Provided or Not Applicable (Number of Borrowers equals XXX); Transcripts provided for XX/XX/XXXX; Document Uploaded.
05/08/2026
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of 80%
D
A
D
A
D
A
A
A
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20072
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/01/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
05/05/2026
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of 80%
D
A
A
A
D
A
A
A
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20072
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/01/2026
Resolved
FCOM8997
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational
05/05/2026
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of 80%
D
A
A
A
D
A
A
A
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20046
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/01/2026
Resolved
FCRE8999
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational
05/05/2026
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%
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20046
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/01/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
05/05/2026
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%
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20046
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/01/2026
Resolved
FCOM8997
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational
05/05/2026
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%
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20017
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/01/2026
Resolved
FCOM8997
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational
05/05/2026
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%
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20017
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/01/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
05/05/2026
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%
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20017
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/01/2026
Resolved
FCRE8999
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational
05/05/2026
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%
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20180
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/01/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
05/05/2026
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.
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20180
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/01/2026
Resolved
FCRE8999
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational
05/05/2026
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.
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20180
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/01/2026
Resolved
FCOM8997
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational
05/05/2026
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.
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20164
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/01/2026
Resolved
FCOM8997
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational
05/05/2026
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.
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20164
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/01/2026
Resolved
FCRE8999
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational
05/05/2026
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.
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20164
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/05/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
05/05/2026
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.
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20029
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/04/2026
Cured
finding-3635
Compliance
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). TILA 130b Cure Required.  Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The XXX% tolerance violation in the amount of XXX is due to the addition of the XXX survey fee on the CD dated XX/XX/XXXX without valid COC. Survey fee was not listed on written list of service providers; therefore, fee was tested using XXX% tolerance.
Cure Package
05/13/2026
Cure package provided to borrower within XXX days of discovery. Exception downgraded to 2/B. ; Cure package provided to borrower within XXX days of discovery. Exception downgraded to 2/B. ; Document Uploaded.
05/14/2026
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
C
B
C
B
A
A
A
A
C
B
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
XXX
RATE2026J20029
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/01/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
05/05/2026
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
C
B
A
A
A
A
A
A
C
B
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
XXX
RATE2026J20029
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/01/2026
Resolved
FCRE8999
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational
05/05/2026
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
C
B
A
A
A
A
A
A
C
B
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
XXX
RATE2026J20027
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/04/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
05/05/2026
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
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20027
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/04/2026
Resolved
FCRE8999
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational
05/05/2026
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
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20027
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/04/2026
Resolved
FCOM8997
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational
05/05/2026
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
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20175
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/01/2026
Resolved
FCOM8997
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational
05/05/2026
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
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20175
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/04/2026
Resolved
FCRE8999
Credit
No Credit Findings
The loan meets all applicable credit guidelines. The loan meets all applicable credit guidelines.
    
Informational
05/05/2026
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
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20175
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/04/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan.
    
Informational
05/05/2026
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
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20150
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/04/2026
Resolved
FCRE1182
Credit
Approval/Underwriting Summary Not Provided
Missing Approval/Underwriting Summary. Missing XXX
underwriter approval
05/07/2026
Approval/Underwriting Summary is fully present; Approval provided. CTC XX/XX/XXXX; Document Uploaded.
05/08/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of 80%
B
A
B
A
B
A
A
A
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20150
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/01/2026
Resolved
FCOM8997
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational
05/05/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of 80%
B
A
A
A
B
A
A
A
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20150
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/04/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
05/05/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of 80%
B
A
A
A
B
A
A
A
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20179
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/01/2026
Resolved
FCOM8997
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational
05/05/2026
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.
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20179
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/04/2026
Resolved
FCRE8999
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational
05/05/2026
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.
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20179
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/04/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
05/05/2026
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.
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20176
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/01/2026
Resolved
FCOM8997
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational
05/05/2026
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.
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20176
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/04/2026
Resolved
FCRE8999
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational
05/05/2026
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.
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20176
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/04/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
05/05/2026
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.
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20269
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/01/2026
Resolved
FPRO1136
Property
Subject property appraisal is not on an as-is basis (Primary Value)
Primary Value Subject Property Appraisal is not on an As-Is Basis
1004D
05/15/2026
Primary Value Subject Property Appraisal is completed on an As-Is Basis or Not Applicable; XXX completion report provided. ; Document Uploaded.
05/18/2026
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
C
A
C
A
A
A
C
A
A
A
C
A
C
A
C
A
C
A
C
A
C
A
C
A
C
A
C
A
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20269
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/04/2026
Resolved
FCOM8997
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational
05/05/2026
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
C
A
A
A
A
A
C
A
A
A
C
A
C
A
C
A
C
A
C
A
C
A
C
A
C
A
C
A
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20269
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/05/2026
Resolved
FCRE8999
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational
05/05/2026
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
C
A
A
A
A
A
C
A
A
A
C
A
C
A
C
A
C
A
C
A
C
A
C
A
C
A
C
A
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20259
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/04/2026
Resolved
FCRE8999
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational
05/05/2026
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%
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20259
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/04/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
05/05/2026
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%
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20259
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/04/2026
Resolved
FCOM8997
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational
05/05/2026
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%
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20005
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/04/2026
Cured
finding-3652
Compliance
Lender Credits That Cannot Decrease Test
This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i) he loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits XXX does not exceed or equal the comparable sum of specific and non-specific lender credits ($XXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The lender credit tolerance violation in the amount of XXX is due to decrease in Lender Credit from XXX to XXX for the removal of the title policy prep fee on the final XX/XX/XXXX final CD. A XXX lender cure was provided on the final XX/XX/XXXX CD leaving a XXX balance.
Closing Disclosure, Lox, Check Copy and Return lable; Tolerance Cure Rebuttal
05/20/2026
cure package provided, exception downgraded to a 2/B; Document Uploaded. ; The CFPB has established that lender credits are a negative charge to the consumer and a decrease in credit is considered an increased charge to the consumer for good faith determination purposes. The amounts originally disclosed on the Loan Estimate under XXX(e)(XXX)(i) are referenced in SFA scope and the regulation for good faith determination, however, creditors may use revised estimates under XXX(e)(XXX)(i) and XXX(f)(XXX)(i), including corrected disclosures provided under XXX(f)(XXX)(i) or (ii) to reflect the revised estimate and determine good faith under XXX(e)(XXX). Revised disclosures, including Closing Disclosures governed by XXX are therefore subject to the good faith requirements described in XXX(e)(XXX), and baseline testing considers the revised disclosures accordingly. If the sum total amount of general and specific lender credits has been reduced, a permissible reason must be provided to reestablish the baseline. This approach is consistent with the CFPB’s TILA-RESPA Integrated Disclosure Rule FAQs stating that lender credits may decrease for one or more of the reasons listed in XXX C. § XXX(e)(XXX)(iv), provided that a revised disclosure reflecting the change is timely delivered. See 12 CFR §.1026.19(e)(3)(iv)(A)-(F); see also Preamble to the TILA-RESPA Integrated Disclosure Rule, XXX ( XXX). ; Document Uploaded. ;
05/22/2026
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
C
B
C
B
A
A
A
A
C
B
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
XXX
RATE2026J20005
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/04/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
05/05/2026
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
C
B
A
A
A
A
A
A
C
B
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
XXX
RATE2026J20005
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/04/2026
Resolved
FCRE8999
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational
05/05/2026
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
C
B
A
A
A
A
A
A
C
B
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
XXX
RATE2026J20136
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/04/2026
Resolved
FCRE8999
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational
05/05/2026
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of 80% | Borrower has stable job time - Borrower has XXX years on job.
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20136
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/04/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
05/05/2026
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of 80% | Borrower has stable job time - Borrower has XXX years on job.
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20136
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/04/2026
Resolved
FCOM8997
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational
05/05/2026
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of 80% | Borrower has stable job time - Borrower has XXX years on job.
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20220
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/01/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
05/05/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20220
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/04/2026
Resolved
FCOM8997
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational
05/05/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20220
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/05/2026
Resolved
FCRE8999
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational
05/05/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20270
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/01/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
05/05/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20270
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/01/2026
Resolved
FCRE8999
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational
05/05/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20270
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/04/2026
Resolved
FCOM8997
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational
05/05/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20243
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/01/2026
Resolved
FCOM3849
Compliance
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: File contains evidence confirming a copy of the appraisal was provided to the consumer at closing, however waiver of the XXX day timing requirement is missing from loan file. Please provide an executed appraisal waiver or evidence the appraisal was received at least XXX days prior to closing.
Appraisal Delivery and Waiver
05/08/2026
Evidence of appraisal delivery provided.; Document Uploaded.
05/08/2026
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of 80%
B
A
B
A
A
A
A
A
B
A
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20243
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/01/2026
Resolved
FCRE8999
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational
05/05/2026
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of 80%
B
A
A
A
A
A
A
A
B
A
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20243
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/01/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
05/05/2026
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of 80%
B
A
A
A
A
A
A
A
B
A
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20258
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/04/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
05/07/2026
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of 70% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of 70%
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20258
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/04/2026
Resolved
FCRE8999
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational
05/07/2026
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of 70% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of 70%
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20258
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/05/2026
Resolved
FCOM8997
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational
05/07/2026
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of 70% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of 70%
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20254
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/05/2026
Resolved
FCRE1479
Credit
Asset 1 Does Not Meet Guideline Requirements
Asset Record XXX Does Not Meet G/L Requirements. Borrower provided LOX for XXX deposit on XX/XX/XXXX. Borrower Stated that the funds are from a XXX distribution from XXX which sold one of the two properties owned by the XXX. Lender should have requested documentation to support ownership in XXX and evidence of the sale of property. Borrower has sufficient funds to close without the deposit, however evidence should have been provided to verify these funds will not require repayment.
Letter of explanation
05/11/2026
Documentation is sufficient. LOE provided. Exception resolved.; Asset Record XXX Meets G/L Requirements; Document Uploaded.
05/12/2026
  
C
A
C
A
C
A
A
A
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20254
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/05/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan.
    
Informational
05/07/2026
  
C
A
A
A
C
A
A
A
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20254
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/05/2026
Resolved
FCOM8997
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational
05/07/2026
  
C
A
A
A
C
A
A
A
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20261
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/05/2026
Resolved
FCRE8999
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational
05/07/2026
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of 80% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of 80%
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20261
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/05/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
05/07/2026
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of 80% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of 80%
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20261
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/05/2026
Resolved
FCOM8997
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational
05/07/2026
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of 80% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of 80%
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20143
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/05/2026
Resolved
FCOM8997
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational
05/07/2026
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.
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XXX
RATE2026J20143
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/05/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
05/07/2026
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.
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XXX
RATE2026J20143
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/05/2026
Resolved
FCRE8999
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational
05/07/2026
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.
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XXX
RATE2026J20236
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/05/2026
Resolved
FCRE8999
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational
05/07/2026
  
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XXX
RATE2026J20236
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/05/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
05/07/2026
  
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XXX
RATE2026J20236
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/06/2026
Resolved
FCOM8997
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational
05/07/2026
  
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XXX
RATE2026J20144
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/06/2026
Resolved
FCRE8999
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational
05/07/2026
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%
A
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XXX
RATE2026J20144
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/06/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
05/07/2026
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%
A
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XXX
RATE2026J20144
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/06/2026
Resolved
FCOM8997
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational
05/07/2026
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%
A
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XXX
RATE2026J20174
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/06/2026
Resolved
FCOM8997
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational
05/07/2026
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
A
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XXX
RATE2026J20174
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/06/2026
Resolved
FCRE8999
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational
05/07/2026
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
A
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XXX
RATE2026J20174
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/06/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
05/07/2026
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
A
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XXX
RATE2026J20279
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/06/2026
Resolved
FCOM8997
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational
05/12/2026
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.
A
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XXX
RATE2026J20279
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/06/2026
Resolved
FCRE8999
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational
05/12/2026
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.
A
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XXX
RATE2026J20279
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/06/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
05/12/2026
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.
A
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XXX
RATE2026J20223
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/06/2026
Resolved
FCOM8997
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational
05/12/2026
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.
A
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XXX
RATE2026J20223
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/06/2026
Resolved
FCRE8999
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational
05/12/2026
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.
A
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XXX
RATE2026J20223
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/06/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
05/12/2026
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.
A
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XXX
RATE2026J20214
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/08/2026
Resolved
FCRE1186
Credit
Audited DTI Exceeds AUS DTI
Audited DTI of XXX% exceeds AUS DTI of XXX% Lender used rental income of XXX vs audit is ($XXX). Lender used incorrect amounts for HOA fees on both properties. They used the monthly amounts as annual and divided by XXX vs audit used the monthly HOA amounts of XXX and XXX per month.
Rental Income Response, Revised 1008, 1003, revised AUS
05/21/2026
Audited DTI of XXX% is less than or equal to AUS DTI of XXX%; Audited DTI of XXX% exceeds AUS DTI of XXX% Audit unable to determine the XXX of the taxable from the tax return. Please advise how client determined this income calcualtion.; Document Uploaded.
05/26/2026
Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of 80% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
C
A
C
A
C
A
A
A
C
A
C
C
A
C
C
C
A
C
C
C
A
C
C
C
A
C
C
C
A
C
A
A
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A
A
A
A
A
A
XXX
RATE2026J20214
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/06/2026
Resolved
finding-3634
Compliance
Charges That Cannot Increase Test
This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of XXX is due to addition of the Appraisal Review Fee on the LE dated XX/XX/XXXX without valid COC. COC dated XX/XX/XXXX does not provide reason for fee addition.
 Notice of Loan Change
05/21/2026
valid COC provided, exception resolved; valid COC provided, exception resolved; Document Uploaded.
05/21/2026
Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of 80% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
C
A
C
A
C
A
A
A
C
A
C
C
A
C
C
C
A
C
C
C
A
C
C
C
A
C
C
C
A
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20214
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/06/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
05/12/2026
Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of 80% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
C
A
A
A
C
A
A
A
C
A
C
C
A
C
C
C
A
C
C
C
A
C
C
C
A
C
C
C
A
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20231
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/07/2026
Resolved
finding-3367
Compliance
RESPA Homeownership Counseling Organizations Disclosure Date Test
This loan failed the homeownership XXX organizations disclosure date test due to the following findings: (12 CFR §1024.20(a) he loan has a homeownership XXX organizations disclosure date that is not within three business days of the loan Originator's XXX (or the date creditor received application if loan Originator's XXX is XXX); orThe homeownership XXX 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 XXX organizations that provide relevant XXX services in the loan applicant's location. The list of homeownership XXX 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 XXX for lenders to use in complying with the requirements of this section; or(XXX ata made available by the XXX 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 §1024.2(b) and as it relates to §1024.20 (list of homeownership counseling organizations provided not later than 3 business days after a loan originator receives an application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:NonePlease note: This test does not validate the content of any list of homeownership XXX organizations. Documentation Required to clear exception: Provide Homeownership XXX Disclosure that was provided within XXX business days of the XXX  XXX per XXX in file.
    
HOC dated within XXX days of the app date provided; exception resolved; HOC dated within XXX days of the app date provided; exception resolved; Document Uploaded.
05/21/2026
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 XXX% is less than Guideline LTV of 80% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of 80%
D
A
B
A
D
A
A
A
C
A
D
D
A
C
D
D
A
C
D
D
A
C
D
D
A
C
D
D
A
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20231
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/07/2026
Resolved
FCRE1182
Credit
Approval/Underwriting Summary Not Provided
Missing Approval/Underwriting Summary. XXX is missing from the loan file.
Underwriting Summary 1008
05/15/2026
Approval/Underwriting Summary is fully present; XXX and UW summary provided. ; Document Uploaded.
05/18/2026
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 XXX% is less than Guideline LTV of 80% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of 80%
D
A
B
A
D
A
A
A
C
A
D
D
A
C
D
D
A
C
D
D
A
C
D
D
A
C
D
D
A
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20231
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/07/2026
Resolved
finding-3634
Compliance
Charges That Cannot Increase Test
This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure Required Refund in the amount of XXX Cure Package requires a PCCD, LOE, Copy of refund check and proof of delivery to the borrower OR Valid COC. Please provide the Initial LE issued within XXX business days of the XXX  XXX. Additional testing will be completed once the Initial LE is provided.
    
Initial LE provided - exception resolved; Initial LE provided - exception resolved
05/15/2026
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 XXX% is less than Guideline LTV of 80% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of 80%
D
A
C
A
D
A
A
A
C
A
D
D
A
C
D
D
A
C
D
D
A
C
D
D
A
C
D
D
A
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20231
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/07/2026
Resolved
finding-3635
Compliance
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). TILA 130b Cure Required Refund in the amount of XXX Cure Package requires a PCCD, LOE, Copy of refund check and proof of delivery to the borrower OR Valid COC. Please provide the Initial LE and SPL issued within XXX business days of the XXX  XXX. Additional testing will be completed once the Initial LE and service provider list are provided.
    
Initial LE provided - exception resolved; Initial LE provided - exception resolved
05/15/2026
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 XXX% is less than Guideline LTV of 80% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of 80%
D
A
C
A
D
A
A
A
C
A
D
D
A
C
D
D
A
C
D
D
A
C
D
D
A
C
D
D
A
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20231
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/07/2026
Resolved
finding-3515
Compliance
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 XXX , 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:NoneThe 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. Documentation required to clear exception. The Initial Loan Estimate dated XX/XX/XXXX (per compliance report in file) is missing from the loan file. The earliest LE in the loan file was issued on XX/XX/XXXX. The violation can be cured by providing the initial LE within XXX days of XX/XX/XXXX.
Initial disclosures
05/14/2026
Document Uploaded.
05/15/2026
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 XXX% is less than Guideline LTV of 80% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of 80%
D
A
C
A
D
A
A
A
C
A
D
D
A
C
D
D
A
C
D
D
A
C
D
D
A
C
D
D
A
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20231
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/07/2026
Resolved
FCRE1347
Credit
Borrower 2 3rd Party VOE Prior to Close Missing
Borrower 2 3rd Party VOE Prior to Close Missing. Recent VVOE is required for XXX
VOE
05/14/2026
Documentation is sufficient. VOE provided. Exception resolved.; Borrower 2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals XXX).; TWN provided dated XX/XX/XXXX; Document Uploaded.
05/15/2026
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 XXX% is less than Guideline LTV of 80% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of 80%
D
A
D
A
D
A
A
A
C
A
D
D
A
C
D
D
A
C
D
D
A
C
D
D
A
C
D
D
A
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20231
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/08/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan.
    
Informational
05/12/2026
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 XXX% is less than Guideline LTV of 80% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of 80%
D
A
A
A
D
A
A
A
C
A
D
D
A
C
D
D
A
C
D
D
A
C
D
D
A
C
D
D
A
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20196
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/07/2026
Resolved
FCRE8999
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational
05/12/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20196
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/07/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
05/12/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20196
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/07/2026
Resolved
FCOM8997
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational
05/12/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20213
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/07/2026
Resolved
FCOM1220
Credit
The Deed of Trust is Missing
The Deed of Trust is Missing
Mortgage & 2nd mortgage
05/15/2026
Documentation is sufficient. Deed of Trust provided. Exception resolved.; The Deed of Trust is Present; Document Uploaded.
05/22/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years on job.
D
A
D
A
D
A
A
A
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20213
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/12/2026
Resolved
FCOM1206
Credit
The Note is Missing
The Note is Missing.
Note
05/21/2026
The Note is Present.; Note provided - dated XX/XX/XXXX; Document Uploaded.
05/22/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years on job.
D
A
D
A
D
A
A
A
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20213
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/07/2026
Resolved
FCRE6546
Credit
Missing legal documents for senior or subordinate lien
File is missing documentation for simultaneous second lien HELOC.
Line of Credit Agreement, ALTA 2nd, 2nd Mortgage and 2nd Misc.
05/15/2026
Documentation is sufficient. Note and Security instrument provided. Exception resolved.; Document Uploaded.
05/18/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years on job.
D
A
D
A
D
A
A
A
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20213
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/07/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
05/12/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years on job.
D
A
A
A
D
A
A
A
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20213
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/08/2026
Resolved
FCOM8997
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational
05/12/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years on job.
D
A
A
A
D
A
A
A
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20032
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/08/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
05/12/2026
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20032
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/08/2026
Resolved
FCRE8999
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational
05/12/2026
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20032
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/08/2026
Resolved
FCOM8997
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational
05/12/2026
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20013
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/08/2026
Resolved
FCOM8997
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational
05/12/2026
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.
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20013
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/11/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
05/12/2026
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.
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20013
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/11/2026
Resolved
FCRE8999
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational
05/12/2026
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.
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20010
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/11/2026
Resolved
FCRE1335
Credit
Borrower 1 IRS Transcripts Missing
Borrower 1 IRS Transcripts Missing Missing XXX W2 Transcript
 Tax Trans
05/14/2026
Borrower 1 IRS Transcripts Provided; Client provided transcripts for XXX and XXX; Document Uploaded.
05/15/2026
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
D
A
D
A
D
A
A
A
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20010
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/08/2026
Resolved
FCOM8997
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational
05/12/2026
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
D
A
A
A
D
A
A
A
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20010
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/11/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
05/12/2026
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
D
A
A
A
D
A
A
A
A
A
D
D
A
A
D
D
A
A
D
D
A
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D
D
A
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D
D
A
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A
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A
A
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A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20165
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/08/2026
Resolved
FCOM8997
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational
05/12/2026
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.
A
A
A
A
A
A
A
A
A
A
A
A
A
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A
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A
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A
A
A
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A
A
A
A
A
A
A
A
A
XXX
RATE2026J20165
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/11/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
05/12/2026
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.
A
A
A
A
A
A
A
A
A
A
A
A
A
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A
A
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A
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A
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A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20165
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/11/2026
Resolved
FCRE8999
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational
05/12/2026
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.
A
A
A
A
A
A
A
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A
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A
A
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A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20063
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/08/2026
Resolved
FCOM8997
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational
05/12/2026
Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of 80% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
A
A
A
A
A
A
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A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20063
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/08/2026
Resolved
FCRE8999
Credit
No Credit Findings
The loan meets all applicable credit guidelines. The loan meets all applicable credit guidelines.
    
Informational
05/12/2026
Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of 80% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
A
A
A
A
A
A
A
A
A
A
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A
A
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A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20063
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/08/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan.
    
Informational
05/12/2026
Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of 80% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
A
A
A
A
A
A
A
A
A
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A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20146
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/08/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
05/12/2026
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.
A
A
A
A
A
A
A
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A
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A
A
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A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20146
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/11/2026
Resolved
FCOM8997
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational
05/12/2026
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.
A
A
A
A
A
A
A
A
A
A
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A
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A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20146
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/12/2026
Resolved
FCRE8999
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational
05/12/2026
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.
A
A
A
A
A
A
A
A
A
A
A
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A
A
A
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A
A
A
A
A
A
A
XXX
RATE2026J20079
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/11/2026
Resolved
FCOM8997
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational
05/12/2026
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.
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
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A
A
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A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20079
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/11/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
05/12/2026
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.
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
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A
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A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20079
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/11/2026
Resolved
FCRE8999
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational
05/12/2026
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.
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
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A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20090
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/11/2026
Resolved
FCOM8997
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational
05/12/2026
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%
A
A
A
A
A
A
A
A
A
A
A
A
A
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A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20090
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/12/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
05/12/2026
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%
A
A
A
A
A
A
A
A
A
A
A
A
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A
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A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20090
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/12/2026
Resolved
FCRE8999
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational
05/12/2026
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%
A
A
A
A
A
A
A
A
A
A
A
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A
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A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20166
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/08/2026
Resolved
FCRE8999
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational
05/12/2026
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.
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
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A
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A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20166
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/08/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
05/12/2026
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.
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
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A
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A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20166
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/12/2026
Resolved
FCOM8997
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational
05/12/2026
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.
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
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A
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A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20021
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/08/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
05/12/2026
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.
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
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A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20021
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/11/2026
Resolved
FCOM8997
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational
05/12/2026
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.
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
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A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20021
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/12/2026
Resolved
FCRE8999
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational
05/12/2026
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.
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20286
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/08/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
05/12/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of 80%
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20286
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/11/2026
Resolved
FCOM8997
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational
05/12/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of 80%
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20286
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/12/2026
Resolved
FCRE8999
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational
05/12/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of 80%
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20219
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/12/2026
Acknowledged
FCRE1437
Credit
Income and Employment Do Not Meet Guidelines
Income and Employment Do Not Meet Guidelines Missing XXX tax transcripts. Lender exception is in file.
    
Lender exception provided supported by the following compensating factors: XXX FICO, XXX% DTI, XXX% LTV. Exception downgraded to a level 2/B.
05/12/2026
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
C
B
C
B
C
B
A
A
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
XXX
RATE2026J20219
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/08/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
05/12/2026
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
C
B
A
A
C
B
A
A
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
XXX
RATE2026J20219
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/11/2026
Resolved
FCOM8997
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational
05/12/2026
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
C
B
A
A
C
B
A
A
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
XXX
RATE2026J20222
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/27/2026
Rescinded
finding-3635
Compliance
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). 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).
    
Exception fired in error - rescinded
05/27/2026
  
C
B
A
A
A
A
A
A
C
B
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
XXX
RATE2026J20222
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/11/2026
Cured
finding-3652
Compliance
Lender Credits That Cannot Decrease Test
This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i) he loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits XXX does not exceed or equal the comparable sum of specific and non-specific lender credits ($XXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The lender credit tolerance violation in the amount of XXX is due to decrease in Lender Credit from XXX to $XXX. The change occurred on CD issued XX/XX/XXXX without a valid COC. Providing a valid reason for the change may cure the violation. Cure provided on Final CD for XXX applied to recording fee for increase without a COC.
Cure docs;  CD with cure
05/26/2026
Cure package provided to borrower within XXX days of discovery. Exception downgraded to 2/B. ; Cure package provided to borrower within XXX days of discovery. Exception downgraded to 2/B. ; Document Uploaded. ; There are XXX separate cures for $XXX. The cure of XXX provided on the final CD was applied to the increase in the recording fee from XXX to XXX to clear the XXX% tolerance violation. An additional cure of XXX is required due to the decrease in Lender Credit from XXX to XXX on the final CD XX/XX/XXXX. A cure is not a lender credit and so while the amount showing as a lender credit on the final CD is XXX is a cure, leaving a total actual lender credit of $XXX. Please provide COC to address decrease in lender credit or provide cure package of $XXX. ; Document Uploaded.
05/27/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
C
B
C
B
A
A
A
A
C
B
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
XXX
RATE2026J20222
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/12/2026
Resolved
finding-3367
Compliance
RESPA Homeownership Counseling Organizations Disclosure Date Test
Documentation required to clear exception: Provide homeownership XXX disclosure that was provided to the consumer within XXX-business days of application. XXX and disclosure tracking show XXX as XX/XX/XXXX, Purchase agreement signed XX/XX/XXXX and 1003 shows XXX as XX/XX/XXXX. Confirming the correct XXX may clear the exception. The homeownership XXX disclosure was provided XX/XX/XXXX. This loan failed the homeownership XXX organizations disclosure date test due to the following findings: (12 CFR §1024.20(a) he loan has a homeownership XXX organizations disclosure date that is not within three business days of the loan Originator's XXX (or the date creditor received application if loan Originator's XXX is XXX); orThe homeownership XXX 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 XXX organizations that provide relevant XXX services in the loan applicant's location. The list of homeownership XXX 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 XXX for lenders to use in complying with the requirements of this section; or(XXX ata made available by the XXX 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 §1024.2(b) and as it relates to §1024.20 (list of homeownership counseling organizations provided not later than 3 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 XXX As not being open on XXX PLEASE 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, XXX  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 XXX organizations.
homeowner counseling audit log and disclosure
05/14/2026
Homeownership XXX organizations disclosure provided - exception resolved; Document Uploaded.
05/15/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
C
B
B
A
A
A
A
A
C
B
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
XXX
RATE2026J20222
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/08/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
05/12/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
C
B
A
A
A
A
A
A
C
B
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
XXX
RATE2026J20222
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/12/2026
Resolved
FCRE8999
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational
05/12/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
C
B
A
A
A
A
A
A
C
B
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
XXX
RATE2026J20033
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/11/2026
Resolved
finding-3532
Compliance
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 XXX  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 XXX  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 XXX  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 file is dated XX/XX/XXXX and signed on XX/XX/XXXX. 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.
Closing disclosure
05/20/2026
Initial CD provided; exception resolved ; Initial CD provided; exception resolved ; Document Uploaded.
05/20/2026
  
C
A
C
A
A
A
A
A
C
A
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20033
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/11/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan.
    
Informational
05/12/2026
  
C
A
A
A
A
A
A
A
C
A
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20033
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/11/2026
Resolved
FCRE8999
Credit
No Credit Findings
The loan meets all applicable credit guidelines. The loan meets all applicable credit guidelines.
    
Informational
05/12/2026
  
C
A
A
A
A
A
A
A
C
A
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20163
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/12/2026
Resolved
FCRE8999
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational
05/14/2026
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.
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20163
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/12/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
05/14/2026
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.
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20163
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/12/2026
Resolved
FCOM8997
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational
05/14/2026
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.
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20173
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/11/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
05/14/2026
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.
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20173
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/11/2026
Resolved
FCOM8997
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational
05/14/2026
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.
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20173
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/14/2026
Resolved
FCRE8999
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational
05/14/2026
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.
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20141
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/12/2026
Resolved
FCOM3849
Compliance
Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR  1002.14(a)(1))
The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). Documentation required to clear exception: Evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date is required, but missing from the file.
APPRAISAL DELIVERY
05/18/2026
Evidence of appraisal delivery provided.; Document Uploaded.
05/19/2026
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%
D
A
B
A
D
A
A
A
B
A
D
D
A
B
D
D
A
B
D
D
A
B
D
D
A
B
D
D
A
B
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20141
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/12/2026
Resolved
FCRE1176
Credit
HO6 Insurance Policy Effective Date is after the Note Date
HO-6 Insurance Policy Effective Date of XX/XX/XXXX is after the Note Date of XX/XX/XXXX A revised HO-6 Insurance Policy is required that covers the note date.
HOI UPDATED
05/18/2026
HO-6 Insurance Policy Effective Date of XX/XX/XXXX is prior to or equal to the Disbursement Date of XX/XX/XXXX Or HO-6 Insurance Policy Effective Date Is XXX; Insurance cert provided. ; Document Uploaded.
05/19/2026
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%
D
A
C
A
D
A
A
A
B
A
D
D
A
B
D
D
A
B
D
D
A
B
D
D
A
B
D
D
A
B
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20141
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/14/2026
Resolved
FCRE1241
Credit
Purchase Contract is Missing
Loan Purpose is Purchase but Purchase Contract Doc is Missing
Purchase Contract
05/18/2026
Purchase Contract Doc is not Missing, or is Not Applicable.; Purchase contract provided. ; Document Uploaded.
05/19/2026
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%
D
A
D
A
D
A
A
A
B
A
D
D
A
B
D
D
A
B
D
D
A
B
D
D
A
B
D
D
A
B
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20141
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/12/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
05/14/2026
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%
D
A
A
A
D
A
A
A
B
A
D
D
A
B
D
D
A
B
D
D
A
B
D
D
A
B
D
D
A
B
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20287
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/13/2026
Resolved
FCRE1335
Credit
Borrower 1 IRS Transcripts Missing
Borrower 1 IRS Transcripts Missing Borrower W2 IRS Transcript is missing for XXX and XXX
 B1 & B2 Transcripts
05/19/2026
Borrower 1 IRS Transcripts Provided; Transcripts provided. ; Document Uploaded.
05/20/2026
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
D
A
D
A
D
A
A
A
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20287
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/12/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
05/14/2026
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
D
A
A
A
D
A
A
A
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20287
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/12/2026
Resolved
FCOM8997
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational
05/14/2026
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
D
A
A
A
D
A
A
A
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20278
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/13/2026
Resolved
FCRE1335
Credit
Borrower 1 IRS Transcripts Missing
Borrower 1 IRS Transcripts Missing Missing W2 IRS Transcripts
IRS Transcripts
05/15/2026
Borrower 1 IRS Transcripts Provided; Transcripts provided; Document Uploaded.
05/18/2026
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%
D
A
D
A
D
A
A
A
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20278
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/12/2026
Resolved
FCOM8997
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational
05/14/2026
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%
D
A
A
A
D
A
A
A
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20278
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/13/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
05/14/2026
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%
D
A
A
A
D
A
A
A
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20283
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/11/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
05/14/2026
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
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20283
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/11/2026
Resolved
FCRE8999
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational
05/14/2026
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
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20283
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/11/2026
Resolved
FCOM8997
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational
05/14/2026
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
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20221
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/13/2026
Resolved
FCOM1544
Compliance
TRID: Missing Closing Disclosure
TRID: Missing Final Closing Disclosure Documentation required to clear exception: Page XXX of XXX of the Final CD, issued XX/XX/XXXX is missing from the loan file. All testing was completed using CD issued XX/XX/XXXX. Please provide the full final CD for additional testing.
Closing Disclosure; Closing Disclosure
05/26/2026
TRID: Final Closing Disclosure Provided; Document Uploaded. ; CD provided is still missing page XXX of the CD; Document Uploaded.
05/26/2026
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
D
A
D
A
A
A
A
A
D
A
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20221
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/11/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
05/14/2026
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
D
A
A
A
A
A
A
A
D
A
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20221
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/13/2026
Resolved
FCRE8999
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational
05/14/2026
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
D
A
A
A
A
A
A
A
D
A
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20277
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/12/2026
Resolved
FCRE8999
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational
05/14/2026
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
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20277
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/12/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
05/14/2026
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
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20277
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/12/2026
Resolved
FCOM8997
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational
05/14/2026
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
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20291
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/13/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
05/14/2026
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.
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20291
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/13/2026
Resolved
FCRE8999
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational
05/14/2026
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.
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20291
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/13/2026
Resolved
FCOM8997
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational
05/14/2026
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.
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20284
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/12/2026
Resolved
finding-3367
Compliance
RESPA Homeownership Counseling Organizations Disclosure Date Test
This loan failed the homeownership XXX organizations disclosure date test due to the following findings: (12 CFR §1024.20(a) he loan has a homeownership XXX organizations disclosure date that is not within three business days of the loan Originator's XXX (or the date creditor received application if loan Originator's XXX is XXX); orThe homeownership XXX 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 XXX organizations that provide relevant XXX services in the loan applicant's location. The list of homeownership XXX 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 XXX for lenders to use in complying with the requirements of this section; or(XXX ata made available by the XXX 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 §1024.2(b) and as it relates to §1024.20 (list of homeownership counseling organizations provided not later than 3 business days after a loan originator receives an application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:NonePlease note: This test does not validate the content of any list of homeownership XXX organizations. Documentation Required to clear exception: Provide Homeownership XXX Disclosure that was provided to the consumer within XXX business days of the XXX of XX/XX/XXXX.
Homeownership counseling
05/15/2026
HOC dated within XXX days of the XXX provided; exception resolved ; HOC dated within XXX days of the XXX provided; exception resolved ; Document Uploaded.
05/18/2026
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
C
A
B
A
A
A
A
A
C
A
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20284
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/12/2026
Resolved
finding-3634
Compliance
Charges That Cannot Increase Test
This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure Required.  Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of XXX is due to the addition of the discount points fee on the CD dated XX/XX/XXXX without valid COC.
COC
05/15/2026
Valid COC provided; exception resolved ; Valid COC provided; exception resolved ; Document Uploaded.
05/18/2026
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
C
A
C
A
A
A
A
A
C
A
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20284
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/12/2026
Resolved
FCRE8999
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational
05/14/2026
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
C
A
A
A
A
A
A
A
C
A
C
A
A
C
C
A
A
C
C
A
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C
C
A
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C
C
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C
A
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A
A
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A
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A
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A
A
A
A
A
XXX
RATE2026J20284
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/12/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
05/14/2026
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
C
A
A
A
A
A
A
A
C
A
C
A
A
C
C
A
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C
C
A
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C
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C
A
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A
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A
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A
A
A
A
A
A
XXX
RATE2026J20188
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/13/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
05/14/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
A
A
A
A
A
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A
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A
A
A
A
XXX
RATE2026J20188
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/13/2026
Resolved
FCRE8999
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational
05/14/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
A
A
A
A
A
A
A
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A
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A
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A
A
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A
A
A
A
A
A
A
XXX
RATE2026J20188
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/14/2026
Resolved
FCOM8997
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational
05/14/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
A
A
A
A
A
A
A
A
A
A
A
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A
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A
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A
A
A
A
A
A
A
XXX
RATE2026J20026
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/12/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
05/14/2026
Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% 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
A
A
A
A
A
A
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A
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A
A
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A
A
A
A
A
A
A
XXX
RATE2026J20026
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/12/2026
Resolved
FCOM8997
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational
05/14/2026
Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% 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
A
A
A
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A
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A
A
A
A
A
A
A
XXX
RATE2026J20026
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/13/2026
Resolved
FCRE8999
Credit
No Credit Findings
The loan meets all applicable credit guidelines. The loan meets all applicable credit guidelines.
    
Informational
05/14/2026
Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% 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
A
A
A
A
A
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A
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A
A
A
A
A
A
A
XXX
RATE2026J20107
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/12/2026
Resolved
FCRE8999
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational
05/14/2026
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
A
A
A
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A
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A
A
A
A
A
A
A
XXX
RATE2026J20107
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/12/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
05/14/2026
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
A
A
A
A
A
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A
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A
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A
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A
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A
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A
A
A
A
A
A
A
XXX
RATE2026J20107
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/14/2026
Resolved
FCOM8997
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational
05/14/2026
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
A
A
A
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A
A
A
A
A
A
A
A
XXX
RATE2026J20167
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/12/2026
Resolved
FCRE8999
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational
05/14/2026
Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of 80% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of 80%
A
A
A
A
A
A
A
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A
A
A
A
A
A
A
XXX
RATE2026J20167
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/12/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
05/14/2026
Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of 80% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of 80%
A
A
A
A
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A
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A
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A
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A
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A
A
A
A
A
A
A
XXX
RATE2026J20167
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/13/2026
Resolved
FCOM8997
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational
05/14/2026
Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of 80% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of 80%
A
A
A
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A
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A
A
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A
A
A
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XXX
RATE2026J20125
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/12/2026
Resolved
FCRE1293
Credit
Income 2 Months Income Verified is Missing
Income 2 Months Income Verified is Missing Supported documents required for XXX to verify the income
    
Income 2 Months Income Verified is Present Or Not Applicable; Employment evidence provided. ; Document Uploaded.
05/21/2026
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of 80% | Borrower has stable job time - Borrower has XXX years on job.
C
A
C
A
C
A
A
A
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
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C
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20125
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/12/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
05/14/2026
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of 80% | Borrower has stable job time - Borrower has XXX years on job.
C
A
A
A
C
A
A
A
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
A
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A
A
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A
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A
A
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A
A
A
A
A
A
A
XXX
RATE2026J20125
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/13/2026
Resolved
FCOM8997
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational
05/14/2026
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of 80% | Borrower has stable job time - Borrower has XXX years on job.
C
A
A
A
C
A
A
A
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
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C
C
A
A
A
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A
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A
A
A
A
A
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A
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A
A
A
A
A
A
A
XXX
RATE2026J20089
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/13/2026
Resolved
FCOM8997
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational
05/14/2026
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
A
A
A
A
A
A
A
A
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A
A
A
A
A
A
A
XXX
RATE2026J20089
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/14/2026
Resolved
FCRE8999
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational
05/14/2026
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
A
A
A
A
A
A
A
A
A
A
A
A
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A
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A
A
A
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A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20089
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/14/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
05/14/2026
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
A
A
A
A
A
A
A
A
A
A
A
A
A
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A
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A
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A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20182
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/13/2026
Resolved
FCOM8997
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational
05/14/2026
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.
A
A
A
A
A
A
A
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A
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A
A
A
A
A
A
A
XXX
RATE2026J20182
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/14/2026
Resolved
FCRE8999
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational
05/14/2026
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.
A
A
A
A
A
A
A
A
A
A
A
A
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A
A
A
A
A
A
A
A
A
XXX
RATE2026J20182
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/14/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
05/14/2026
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.
A
A
A
A
A
A
A
A
A
A
A
A
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A
A
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A
A
A
A
A
A
A
XXX
RATE2026J20168
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/13/2026
Cured
finding-3634
Compliance
Charges That Cannot Increase Test
This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of XXX is due to the addition of the Appraisal update Fee in the amount of XXX on the Final CD dated XX/XX/XXXX. Documentation in the file shows an invoice with a completion dated of XX/XX/XXXX, which is well before fee was added to Final CD.
Cure package; PCCD, LOE, Copy of Refund Check, and Proof of Delivery
05/26/2026
Received copy of PCCD, LOE, Copy of refund check and proof of delivery; along with explanation for why the disaster fee was added on LE XX/XX/XXXX for testing; exception cured.; Received copy of PCCD, LOE, Copy of refund check and proof of delivery; along with explanation for why the disaster fee was added on LE XX/XX/XXXX for testing; exception cured.; Received rebuttal from client that States: The Disaster inspection invoice was ordered on XX/XX/XXXX and we received the invoice on XX/XX/XXXX. A disaster was declared after the date of our appraisal, so that is why the UnderXXX required a XXX and the fee was added.; Correction to previous comment: Appears the XXX check was to offset the removal of a fee for a service that was not performed. However there is a XXX XXX Inspection Fee that did not have a COC in the file to explain when and why the fee was added on and was not cured. Please provide a valid COC explaining when and why the fee was added on LE XX/XX/XXXX or another cure package that contains an updated PCCD, LOE, Copy of refund check of XXX and proof of delivery.; Appears the XXX check was to offset the removal of a fee for a service that was not performed. However there is a XXX XXX Inspection Fee that did not have a COC in the file to explain when and why the fee was added on and was not cured. Please provide a valid COC explaining when and why the fee was added CD dated XX/XX/XXXX or another cure package that contains an updated PCCD, LOE, Copy of refund check of XXX and proof of delivery. ; Document Uploaded. ;
05/27/2026
  
C
B
C
B
A
A
A
A
C
B
C
A
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C
C
A
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C
C
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C
C
A
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C
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A
C
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
XXX
RATE2026J20168
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/14/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
05/14/2026
  
C
B
A
A
A
A
A
A
C
B
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
XXX
RATE2026J20168
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/14/2026
Resolved
FCRE8999
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational
05/14/2026
  
C
B
A
A
A
A
A
A
C
B
C
A
A
C
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A
A
C
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A
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C
A
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C
C
A
A
C
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
XXX
RATE2026J20218
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/13/2026
Resolved
FCRE1161
Credit
Flood Certificate Missing
Missing Flood Certificate
Flood Hazard Certificate
05/18/2026
Flood Certificate is fully present; Document Uploaded.
05/18/2026
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
D
A
D
A
D
A
A
A
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
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A
A
A
A
A
A
A
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A
A
A
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A
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A
A
A
A
A
A
XXX
RATE2026J20218
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/13/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
05/14/2026
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
D
A
A
A
D
A
A
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D
D
A
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D
A
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D
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D
D
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D
A
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A
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A
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A
A
A
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A
A
A
A
A
A
A
XXX
RATE2026J20218
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/13/2026
Resolved
FCOM8997
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational
05/14/2026
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
D
A
A
A
D
A
A
A
A
A
D
D
A
A
D
D
A
A
D
D
A
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D
D
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D
D
A
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A
A
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A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20285
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/13/2026
Cured
finding-3634
Compliance
Charges That Cannot Increase Test
This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130 Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, and Copy of Refund Check, or Valid COC. The zero tolerance violation in the amount of XXX is due to increase of the credit report fee from XXX to XXX on the CD dated XX/XX/XXXX without valid COC and the increase of the insurance certificate fee from XXX to XXX on the CD dated XX/XX/XXXX without valid COC.
PCCD
05/19/2026
Cure package provided to borrower within XXX days of discovery. Exception downgraded to 2/B. ; Cure package provided to borrower within XXX days of discovery. Exception downgraded to 2/B. ; Document Uploaded.
05/20/2026
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.
C
B
C
B
A
A
A
A
C
B
C
A
A
C
C
A
A
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C
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C
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A
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C
C
A
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C
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
XXX
RATE2026J20285
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/13/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
05/14/2026
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.
C
B
A
A
A
A
A
A
C
B
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
XXX
RATE2026J20285
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/13/2026
Resolved
FCRE8999
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational
05/14/2026
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.
C
B
A
A
A
A
A
A
C
B
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
XXX
RATE2026J20290
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/13/2026
Resolved
FCRE8999
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational
05/14/2026
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
A
A
A
A
A
A
A
A
A
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A
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A
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A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20290
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/13/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
05/14/2026
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
A
A
A
A
A
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A
A
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A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20290
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/13/2026
Resolved
FCOM8997
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational
05/14/2026
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
A
A
A
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A
A
A
A
A
A
A
XXX
RATE2026J20178
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/14/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
05/19/2026
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.
A
A
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A
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A
A
A
A
A
A
A
XXX
RATE2026J20178
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/14/2026
Resolved
FCRE8999
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational
05/19/2026
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.
A
A
A
A
A
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A
A
A
A
A
A
A
XXX
RATE2026J20178
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/15/2026
Resolved
FCOM8997
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational
05/19/2026
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.
A
A
A
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A
A
A
A
A
A
A
A
A
XXX
RATE2026J20007
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/14/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
05/19/2026
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 CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of 80%
A
A
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A
A
A
A
A
A
A
A
A
XXX
RATE2026J20007
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/15/2026
Resolved
FCOM8997
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational
05/19/2026
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 CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of 80%
A
A
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A
A
A
A
A
A
A
XXX
RATE2026J20007
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/18/2026
Resolved
FCRE8999
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational
05/19/2026
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 CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of 80%
A
A
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A
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A
A
A
A
A
A
A
XXX
RATE2026J20074
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/14/2026
Resolved
FCRE8999
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational
05/19/2026
Borrower has stable job time - Borrower has XXX years on job.
A
A
A
A
A
A
A
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A
A
A
A
A
A
XXX
RATE2026J20074
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/14/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
05/19/2026
Borrower has stable job time - Borrower has XXX years on job.
A
A
A
A
A
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A
A
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A
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A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20074
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/18/2026
Resolved
FCOM8997
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational
05/19/2026
Borrower has stable job time - Borrower has XXX years on job.
A
A
A
A
A
A
A
A
A
A
A
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A
A
A
A
A
A
A
A
A
XXX
RATE2026J20092
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/15/2026
Resolved
FCRE8999
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational
05/19/2026
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%
A
A
A
A
A
A
A
A
A
A
A
A
A
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A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20092
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/15/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
05/19/2026
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%
A
A
A
A
A
A
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A
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A
A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20092
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/15/2026
Resolved
FCOM8997
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational
05/19/2026
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%
A
A
A
A
A
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A
A
A
A
A
A
A
A
A
A
A
XXX
RATE2026J20217
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/14/2026
Resolved
FCOM8997
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational
05/19/2026
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%
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XXX
RATE2026J20217
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/15/2026
Resolved
FCRE8999
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational
05/19/2026
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%
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XXX
RATE2026J20217
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/15/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
05/19/2026
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%
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XXX
RATE2026J20209
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/14/2026
Resolved
FCOM8997
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational
05/19/2026
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
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XXX
RATE2026J20209
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/15/2026
Resolved
FCRE8999
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational
05/19/2026
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
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XXX
RATE2026J20209
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/15/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
05/19/2026
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
A
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XXX
RATE2026J20229
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/15/2026
Resolved
FCOM8997
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational
05/19/2026
  
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XXX
RATE2026J20229
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/15/2026
Resolved
FCRE8999
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational
05/19/2026
  
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XXX
RATE2026J20229
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/15/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
05/19/2026
  
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XXX
RATE2026J20183
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/19/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
05/19/2026
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.
A
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A
XXX
RATE2026J20183
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/19/2026
Resolved
FCRE8999
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational
05/19/2026
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.
A
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A
A
XXX
RATE2026J20183
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/19/2026
Resolved
FCOM8997
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational
05/19/2026
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.
A
A
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A
A
A
A
XXX
RATE2026J20249
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/19/2026
Resolved
FCRE8999
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational
05/19/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of 80% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of 80%
A
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A
A
XXX
RATE2026J20249
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/19/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
05/19/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of 80% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of 80%
A
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A
A
A
A
XXX
RATE2026J20249
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/19/2026
Resolved
FCOM8997
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational
05/19/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of 80% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of 80%
A
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