Exhibit 99.02 Schedule 1

 

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)
4000107786 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 12/31/2025 Resolved XXXXX-01 Credit No Findings The loan meets all applicable guidelines           A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
4000108139 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 12/31/2025 Resolved XXXXX-01 Credit No Findings The loan meets all applicable guidelines           A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
4000106286 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 01/14/2026 Resolved XXXXX-01 Credit No Findings The loan meets all applicable guidelines           A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
4000108045 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 01/14/2026 Resolved XXXXX-01 Credit No Findings The loan meets all applicable guidelines           A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
4000112043 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 01/26/2026 Resolved XXXXX-01 Credit No Findings The loan meets all applicable guidelines           A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
4000111373 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 01/27/2026 Resolved XXXXX-01 Credit No Findings The loan meets all applicable guidelines           A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
4000111366 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 01/28/2026 Resolved XXXXX-01 Credit No Findings The loan meets all applicable guidelines           A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
4000113950 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 02/04/2026 Resolved 11188032283 Credit Title Insurance Missing or Defective Title in file is MISSING MORTGAGEe clause after Lender's name. Please provide updated Title or Title supplement with ISAOA/ATIMA verbiage XX/XX/XXXX: Final Title uploaded 2/13/2026 XX/XX/XXXX: Final Title received 02/16/2026   C A C A C A A A N/A N/A C C A N/A C C A N/A C C A N/A C C A N/A C C A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
4000113952 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 02/05/2026 Acknowledged 11200841403 Property Hazard Insurance Missing or Defective Missing rental loss coverage XX/XX/XXXX: Automatic waive 2/19/2026 XX/XX/XXXX: Automatic waive applied 02/19/2026 XXX greater than program requirement, FICO XXX D B C B D A C B N/A N/A D D C N/A D D C N/A D D C N/A D D C N/A D D C N/A B A B N/A B A B N/A B A B N/A B A B N/A B A B N/A
4000113952 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 02/05/2026 Resolved 11200833428 Credit Missing, Inadequate, or Incomplete Project Document Missing HOA Questionnaire for subject: XXX XXX #XXX XX/XX/XXXX: HOA questionnaire 2/27/2026 XX/XX/XXXX: HOA questionnaire received 02/27/2026   D B D A D A C B N/A N/A D D C N/A D D C N/A D D C N/A D D C N/A D D C N/A B A B N/A B A B N/A B A B N/A B A B N/A B A B N/A
4000112559 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 02/06/2026 Resolved 11209039990 Credit Deed Missing or Defective MISSING CONVEYANCE DEED from: XXX to XXX for subject property: XXX XX/XX/XXXX: Deed 2/11/2026 XX/XX/XXXX: Deed received 02/12/2026   D A D A D A A A N/A N/A D D A N/A D D A N/A D D A N/A D D A N/A D D A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
4000112558 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 02/06/2026 Resolved 11209000307 Credit Deed Missing or Defective MISSING CONVEYANCE DEED from: XXX to XXX for subject property: XXX XX/XX/XXXX: Deed uploaded 2/12/2026 XX/XX/XXXX: Received Deed 02/12/2026   D A D A D A A A N/A N/A D D A N/A D D A N/A D D A N/A D D A N/A D D A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
4000112558 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 02/06/2026 Resolved 11209041934 Credit Title Insurance Missing or Defective Provided Title Commitment is missing the proposed coverage amount XX/XX/XXXX: Title uploaded 2/12/2026 XX/XX/XXXX: Received Title 02/12/2026   D A C A D A A A N/A N/A D D A N/A D D A N/A D D A N/A D D A N/A D D A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
4000112557 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 02/06/2026 Resolved 11210749081 Credit Deed Missing or Defective MISSING CONVEYANCE DEED from: XXX to XXX for subject property: XXX XX/XX/XXXX: Deed 2/12/2026 XX/XX/XXXX: Deed received 02/12/2026   D A D A D A A A N/A N/A D D A N/A D D A N/A D D A N/A D D A N/A D D A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
4000112556 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 02/06/2026 Resolved 11212899954 Credit Deed Missing or Defective MISSING CONVEYANCE DEED from: XXX to XXX for subject property: XXX XX/XX/XXXX: Deed 2/12/2026 XX/XX/XXXX: Deed received 02/12/2026   D A D A D A A A N/A N/A D D A N/A D D A N/A D D A N/A D D A N/A D D A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
4000113951 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 02/09/2026 Resolved 11229079310 Credit Title Insurance Missing or Defective Title Commitment Schedule A is MISSING MORTGAGEe clause after lender's name. Please provide updated title policy with ISAOA/ATIMA verbiage XX/XX/XXXX: uploaded title 2/13/2026 XX/XX/XXXX Title received 02/13/2026   C A C A C A A A N/A N/A C C A N/A C C A N/A C C A N/A C C A N/A C C A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
4000113955 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 02/10/2026 Resolved XXXXX-01 Credit No Findings The loan meets all applicable guidelines           A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
4000113938 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 02/12/2026 Resolved 11263181312 Credit Evidence of Primary Residence and Rent-Free Scenario Missing or Defective Missing verification that borrower is living rent free at XXX XX/XX/XXXX: uploaded lox 2/18/2026 XX/XX/XXXX: Received rent free letter 02/18/2026   D A D A D A A A N/A N/A D D A N/A D D A N/A D D A N/A D D A N/A D D A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
4000113940 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 02/17/2026 Resolved XXXXX-01 Credit No Findings The loan meets all applicable guidelines           A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
4000118575 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 03/02/2026 Resolved 11413715194 Credit Asset Documentation Missing or Defective Missing asset documentation XX/XX/XXXX: Assets uploaded 3/6/2026 XX/XX/XXXX: Received Assets 03/06/2026   C A C A C A C A N/A N/A C C C N/A C C C N/A C C C N/A C C C N/A C C C N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
4000118575 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 03/02/2026 Resolved 11413807621 Property Hazard Insurance Missing or Defective Hazard Insurance in file is missing policy number and effective and expiration dates XX/XX/XXXX: replacement cost on master policy 3/10/2026 XX/XX/XXXX: Replacement cost received 03/10/2026   C A C A C A C A N/A N/A C C C N/A C C C N/A C C C N/A C C C N/A C C C N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
4000117961 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 03/06/2026 Resolved 11447849224 Credit Note Missing or Defective Missing prepayment addendum, Closing Disclosure reflects a XXX. Please upload or clarify. XX/XX/XXXX: PPP uploaded 3/9/2026 XX/XX/XXXX: Received PPP 03/09/2026   D A D A D A A A N/A N/A D D A N/A D D A N/A D D A N/A D D A N/A D D A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
4000119166 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 03/10/2026 Acknowledged 11472263057 Property Hazard Insurance Missing or Defective Hazard Insurance is missing rent loss coverage, please provide proof of coverage XX/XX/XXXX: Automatic waive, borrower has XXX months reserve to cover rent loss. 3/10/2026 XX/XX/XXXX: Automatic waive applied 03/10/2026 XXX greater than program requirement, FICO XXX C B C B A A C B N/A N/A C A C N/A C A C N/A C A C N/A C A C N/A C A C N/A B A B N/A B A B N/A B A B N/A B A B N/A B A B N/A
4000113608 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 03/11/2026 Resolved XXXXX-01 Credit No Findings The loan meets all applicable guidelines           A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
4000120448 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 03/12/2026 Resolved XXXXX-01 Credit No Findings The loan meets all applicable guidelines           A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
4000119162 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 03/12/2026 Resolved XXXXX-01 Credit No Findings The loan meets all applicable guidelines           A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
4000121302 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 03/12/2026 Resolved XXXXX-01 Credit No Findings The loan meets all applicable guidelines           A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
4000119156 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 03/13/2026 Resolved XXXXX-01 Credit No Findings The loan meets all applicable guidelines           A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
4000123052 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 03/13/2026 Resolved 11503843337 Credit DSCR Minimum Not Met XXX DSCR < XX/XX/XXXX minimum DSCR required. Monthly breakdown is as follows: XXX Income/ XXX P/I + XXX Insurance + XXX taxes XX/XX/XXXX: Updated Lock 3/17/2026 XX/XX/XXXX: Received Updated Lock 03/17/2026   C A C A C A A A N/A N/A C C A N/A C C A N/A C C A N/A C C A N/A C C A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
4000119169 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 03/13/2026 Resolved 11504544953 Property Appraisal Missing or Defective Missing appraisal report for subject: XXX XX/XX/XXXX: Appraisal 3/16/2026 XX/XX/XXXX: Appraisal received 03/16/2026   D A D A A A D A N/A N/A D A D N/A D A D N/A D A D N/A D A D N/A D A D N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
4000120450 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 03/13/2026 Resolved XXXXX-01 Credit No Findings The loan meets all applicable guidelines           A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
4000116600 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 03/16/2026 Resolved XXXXX-01 Credit No Findings The loan meets all applicable guidelines           A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
4000119169 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 03/16/2026 Resolved 11520683427 Property Ineligible Property All refinance transactions require the property to be leased. The subject property is currently vacant, Please provide a lease agreement or evidence that the property is listed for rent. XX/XX/XXXX: Listing Uploaded 3/17/2026 XX/XX/XXXX: Received Rental Listing 03/17/2026   D A C A A A D A N/A N/A D A D N/A D A D N/A D A D N/A D A D N/A D A D N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
4000120759 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 03/18/2026 Resolved XXXXX-01 Credit No Findings The loan meets all applicable guidelines           A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
4000113974 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 03/18/2026 Resolved 11539122611 Property Completion Report or 1004D - Missing Missing 1004D for subject property: XXX XX/XX/XXXX: Revised appraisal 3/27/2026 XX/XX/XXXX: Received appraisal revision 03/27/2026   D A D A A A D A N/A N/A D A D N/A D A D N/A D A D N/A D A D N/A D A D N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
4000120758 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 03/18/2026 Resolved XXXXX-01 Credit No Findings The loan meets all applicable guidelines           A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
4000123243 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 03/23/2026 Resolved XXXXX-01 Credit No Findings The loan meets all applicable guidelines           A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
4000119157 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 04/03/2026 Resolved XXXXX-01 Credit No Findings The loan meets all applicable guidelines           A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
4000121304 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 04/03/2026 Resolved XXXXX-01 Credit No Findings The loan meets all applicable guidelines           A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
4000087734 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 08/21/2025 Resolved 9871084169 Credit Title Insurance Missing or Defective Preliminary Title is MISSING MORTGAGEe Clause after Lender's name. Please provide updated Title Policy with ISAOA/ATIMA XX/XX/XXXX: Correct title uploaded 9/5/2025 XX/XX/XXXX: Received title 09/08/2025   C A C A C A A A N/A N/A C C A N/A C C A N/A C C A N/A C C A N/A C C A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
4000117558 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 11/20/2025 Resolved XXXXX-01 Credit No Credit Findings The loan meets all applicable guidelines           A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
4000103183 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 12/04/2025 Resolved 10704583982 Property Hazard Insurance Missing or Defective Hazard policy missing rental loss coverage XX/XX/XXXX: Insurance 12/9/2025 XX/XX/XXXX: Received Insurance 12/09/2025   C A C A C A C A N/A N/A C C C N/A C C C N/A C C C N/A C C C N/A C C C N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
4000103183 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 12/04/2025 Resolved 10704531829 Credit DSCR Minimum Not Met XXX DCSR < XXX minimum DSCR per program guidelines. Currently calculated using XXX market rents XXX / XXX PITIA = XXX DSCR XX/XX/XXXX: Rate lock loan program 12/8/2025 XX/XX/XXXX: loan program clarification received 12/08/2025   C A C A C A C A N/A N/A C C C N/A C C C N/A C C C N/A C C C N/A C C C N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
4000117557 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 12/04/2025 Resolved 10707000562 Credit First Time Homebuyer It appears both borrowers are XXX. Per program guides, XXX is not permitted. Please provide an exception or further guidance. XX/XX/XXXX: NQM approval 12/9/2025 XX/XX/XXXX: Received approval 12/09/2025   C A C A C A A A N/A N/A C C A N/A C C A N/A C C A N/A C C A N/A C C A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
4000106284 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 12/22/2025 Resolved XXXXX-01 Credit No Credit Findings The loan meets all applicable guidelines           A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
4000108043 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 12/30/2025 Resolved XXXXX-01 Credit No Credit Findings The loan meets all applicable guidelines           A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
4000104716 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 12/26/2025 Resolved XXXXX Credit No Findings This loan meets all applicable guidelines XX/XX/XXXX: Clear   XX/XX/XXXX: Clear 12/26/2025   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
4000108777 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 01/06/2026 Resolved 10929446813 Credit Hazard Insurance Missing or Defective Hazard insurance policy is MISSING MORTGAGEe clause after lender's name. Please provide updated hazard policy with ISAOA/ATIMA verbiage XX/XX/XXXX: Hazard   XX/XX/XXXX: Received 01/20/2026   D A C A C A D A N/A N/A D C D N/A D C D N/A D C D N/A D C D N/A D C D N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
4000107083 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 01/06/2026 Resolved XXXXX Credit No Findings This loan meets all applicable guidelines XX/XX/XXXX: Clear   XX/XX/XXXX: Clear 01/06/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
4000108777 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 01/06/2026 Resolved 10929493146 Property Market Rent - Missing or Defective Appraisal is missing XXX with market rents. XX/XX/XXXX: XXX   XX/XX/XXXX: Received 01/14/2026   D A D A C A D A N/A N/A D C D N/A D C D N/A D C D N/A D C D N/A D C D N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
4000107977 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 01/15/2026 Resolved XXXXX Credit No Findings This loan meets all applicable guidelines XX/XX/XXXX: Clear   XX/XX/XXXX: Clear 01/15/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
4000108087 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 01/23/2026 Resolved XXXXX Credit No Findings This loan meets all applicable guidelines XX/XX/XXXX: Clear   XX/XX/XXXX: Clear 01/23/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
4000110032 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 01/26/2026 Resolved XXXXX Credit No Findings This loan meets all applicable guidelines XX/XX/XXXX: Clear   XX/XX/XXXX: Clear 01/26/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
4000111698 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 01/28/2026 Resolved XXXXX Credit No Findings This loan meets all applicable guidelines XX/XX/XXXX: Clear   XX/XX/XXXX: Clear 01/28/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
4000108785 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 02/02/2026 Resolved XXXXX Credit No Findings This loan meets all applicable guidelines XX/XX/XXXX: Clear   XX/XX/XXXX: Clear 02/02/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
4000109948 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 02/02/2026 Resolved 11164170498 Credit Hazard Insurance Missing or Defective Hazard insurance policy in file is effective from XX/XX/XXXX to XX/XX/XXXX, which is after the disbursement date of XX/XX/XXXX. Please provide coverage with an effective date on or before the disbursement date. XX/XX/XXXX: uploaded hazard policy from XXX-XXX   XX/XX/XXXX: Received 03/09/2026   C A C A C A A A N/A N/A C C A N/A C C A N/A C C A N/A C C A N/A C C A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
4000114881 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 02/12/2026 Resolved XXXXX Credit No Findings This loan meets all applicable guidelines XX/XX/XXXX: Clear   XX/XX/XXXX: Clear 02/12/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
4000109830 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 02/19/2026 Resolved 11322437879 Credit Title Insurance Missing or Defective Title Insurance Document is aged as per guidelines inimum required below XXX days from XXX. Please provide updated title as per guidelines XX/XX/XXXX: Title   XX/XX/XXXX: Received 02/05/2026   C A C A C A A A N/A N/A C C A N/A C C A N/A C C A N/A C C A N/A C C A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
4000115325 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 02/27/2026 Resolved XXXXX Credit No Findings This loan meets all applicable guidelines XX/XX/XXXX: Clear   XX/XX/XXXX: Clear 02/27/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
4000114793 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 03/05/2026 Resolved 11438862353 Credit Asset Documentation Missing or Defective Please provide the Operating Agreement for XXX. confirming that the borrower holds a XXX% ownership interest, so that the funds in XXX account #XXX can be verified. XX/XX/XXXX: LOE   XX/XX/XXXX: Received 03/17/2026   D A D A D A A A N/A N/A D D A N/A D D A N/A D D A N/A D D A N/A D D A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
4000114809 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 03/05/2026 Resolved 11440870313 Credit Hazard Insurance Missing or Defective XXX insurance coverage < XXX minimum insurance required. Please provide updated insurance or replacement cost. XX/XX/XXXX: Replacement cost   XX/XX/XXXX: Received 03/10/2026   C A C A C A A A N/A N/A C C A N/A C C A N/A C C A N/A C C A N/A C C A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
4000115829 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 03/12/2026 Resolved XXXXX Credit No Findings This loan meets all applicable guidelines XX/XX/XXXX: Clear   XX/XX/XXXX: Clear 03/12/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
4000118219 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 03/12/2026 Resolved XXXXX Credit No Findings This loan meets all applicable guidelines XX/XX/XXXX: Clear   XX/XX/XXXX: Clear 03/12/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
4000112877 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 03/12/2026 Resolved XXXXX Credit No Findings This loan meets all applicable guidelines XX/XX/XXXX: Clear   XX/XX/XXXX: Clear 03/12/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
4000119153 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 03/13/2026 Resolved XXXXX Credit No Findings This loan meets all applicable guidelines XX/XX/XXXX: Clear   XX/XX/XXXX: Clear 03/13/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
4000117873 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 03/13/2026 Resolved 11503673137 Credit Hazard Insurance Missing or Defective Hazard insurance policy in file is effective from XX/XX/XXXX to XX/XX/XXXX, which is after the disbursement date of XX/XX/XXXX. Please provide coverage with an effective date on or before the disbursement date. XX/XX/XXXX: LOE   XX/XX/XXXX: Received 03/20/2026   C A C A C A A A N/A N/A C C A N/A C C A N/A C C A N/A C C A N/A C C A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
4000115486 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 03/13/2026 Resolved XXXXX Credit No Findings This loan meets all applicable guidelines XX/XX/XXXX: Clear   XX/XX/XXXX: Clear 03/13/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
4000114596 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 03/16/2026 Acknowledged 11517898226 Credit Minimum Credit Score Requirement Not Met XXX FICO < XXX minimum FICO score required ; no cash out refinance transactions; DSCR XXX. XX/XX/XXXX: Waived via CRSE   XX/XX/XXXX: Waived 03/16/2026 75% LTV, XX/XX/XXXX, XXX B B B B B B A A N/A N/A B B A N/A B B A N/A B B A N/A B B A N/A B B A N/A B B A N/A B B A N/A B B A N/A B B A N/A B B A N/A
4000119702 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 03/17/2026 Resolved XXXXX Credit No Findings This loan meets all applicable guidelines XX/XX/XXXX: Clear   XX/XX/XXXX: Clear 03/17/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
4000118439 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 03/17/2026 Resolved XXXXX Credit No Findings This loan meets all applicable guidelines XX/XX/XXXX: Clear   XX/XX/XXXX: Clear 03/17/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
4000118881 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 03/19/2026 Resolved XXXXX Credit No Findings This loan meets all applicable guidelines XX/XX/XXXX: Clear   XX/XX/XXXX: Clear 03/19/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
4000118880 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 03/19/2026 Resolved XXXXX Credit No Findings This loan meets all applicable guidelines XX/XX/XXXX: Clear   XX/XX/XXXX: Clear 03/19/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
4000116389 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 03/20/2026 Resolved 11557621254 Credit Closing Protection Letter Missing or Defective Missing Closing Protection Letter (CPL). XX/XX/XXXX: CPL   XX/XX/XXXX: Received 03/25/2026   D A D A D A A A N/A N/A D D A N/A D D A N/A D D A N/A D D A N/A D D A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
4000120057 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 03/25/2026 Resolved XXXXX Credit No Findings This loan meets all applicable guidelines XX/XX/XXXX: Clear   XX/XX/XXXX: Clear 03/25/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
4000120065 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 03/24/2026 Resolved XXXXX Credit No Findings This loan meets all applicable guidelines XX/XX/XXXX: Clear   XX/XX/XXXX: Clear 03/24/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
4000119866 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 03/25/2026 Resolved XXXXX Credit No Findings This loan meets all applicable guidelines XX/XX/XXXX: Clear   XX/XX/XXXX: Clear 03/25/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
4000120691 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 03/27/2026 Resolved XXXXX Credit No Findings This loan meets all applicable guidelines XX/XX/XXXX: Clear   XX/XX/XXXX: Clear 03/27/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
4000118077 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 03/26/2026 Resolved XXXXX Credit No Findings This loan meets all applicable guidelines XX/XX/XXXX: Clear   XX/XX/XXXX: Clear 03/26/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
4000122509 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 03/27/2026 Resolved XXXXX Credit No Findings This loan meets all applicable guidelines XX/XX/XXXX: Clear   XX/XX/XXXX: Clear 03/27/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
4000122034 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 03/27/2026 Resolved XXXXX Credit No Findings This loan meets all applicable guidelines XX/XX/XXXX: Clear   XX/XX/XXXX: Clear 03/27/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
4000119865 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 03/27/2026 Resolved 11618232766 Credit Hazard Insurance Missing or Defective Hazard insurance policy is MISSING MORTGAGEe clause after lender's name. XX/XX/XXXX: Informational   XX/XX/XXXX: Informational 03/27/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
4000121247 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 03/31/2026 Resolved XXXXX Credit No Findings This loan meets all applicable guidelines XX/XX/XXXX: Clear   XX/XX/XXXX: Clear 03/31/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
4000120647 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 04/01/2026 Resolved XXXXX Credit No Findings This loan meets all applicable guidelines XX/XX/XXXX: Clear   XX/XX/XXXX: Clear 04/01/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
4000119875 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 04/03/2026 Resolved XXXXX Credit No Findings This loan meets all applicable guidelines XX/XX/XXXX: Clear   XX/XX/XXXX: Clear 04/03/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
4000115093 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 04/06/2026 Resolved XXXXX Credit No Findings This loan meets all applicable guidelines XX/XX/XXXX: Clear   XX/XX/XXXX: Clear 04/06/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
4000123833 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 04/09/2026 Resolved XXXXX Credit No Findings This loan meets all applicable guidelines XX/XX/XXXX: Clear   XX/XX/XXXX: Clear 04/09/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
4000118283 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 04/10/2026 Resolved XXXXX Credit No Findings This loan meets all applicable guidelines XX/XX/XXXX: Clear   XX/XX/XXXX: Clear 04/10/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
4000104076 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 12/12/2025 Resolved XXXXX Credit No Findings This loan meets all applicable guidelines XX/XX/XXXX: Clear   XX/XX/XXXX: Clear 12/12/2025   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
4000100738 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 12/09/2025 Acknowledged 10740334819 Credit Guarantor Identification Missing or Defective Missing Borrower ID for XXX. XX/XX/XXXX: Waived 12/11/2025 XX/XX/XXXX: Waived 12/11/2025 XXX, Fico XXX D B D B D B A A N/A N/A D D A N/A D D A N/A D D A N/A D D A N/A D D A N/A B B A N/A B B A N/A B B A N/A B B A N/A B B A N/A
4000106710 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 12/18/2025 Resolved 10813119551 Credit Title Insurance Coverage - Inadequate Coverage Title Insurance Coverage of XXX < XXX Minimum Required. XX/XX/XXXX: Uploaded 12/31/2025 XX/XX/XXXX: Received 12/31/2025   C A C A C A A A N/A N/A C C A N/A C C A N/A C C A N/A C C A N/A C C A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
4000106711 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 12/30/2025 Resolved 10882773365 Credit Title Insurance Missing or Defective The title (Preliminary ile does not reflect the lending entity - XXX and Loan Amount. Please update the title commitment/Supplemental Report to reflect these for proper compliance. XX/XX/XXXX: Uploaded 1/2/2025 XX/XX/XXXX: Received 01/02/2025   C A C A C A A A N/A N/A C C A N/A C C A N/A C C A N/A C C A N/A C C A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
4000107966 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 01/14/2026 Resolved XXXXX Credit No Findings This Loan Meets All Applicable Guidelines   1/14/2026   01/14/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
4000111099 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 01/15/2026 Resolved XXXXX Credit No Findings This Loan Meets All Applicable Guidelines   1/15/2026   01/15/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
4000111260 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 01/20/2026 Resolved 11055390818 Credit Deed Missing or Defective MISSING CONVEYANCE DEED From XXX XXX to XXX And XXX Deed for review/approval - Thanks! 1/26/2026 Received 01/26/2026   D A D A D A A A N/A N/A D D A N/A D D A N/A D D A N/A D D A N/A D D A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
4000111092 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 01/29/2026 Resolved 11136609296 Credit Hazard Insurance Missing or Defective The majority of the Hazard Insurance Declarations page on file is illegible and also does not include Loss of Rents coverage. Please provide updated HOI. XX/XX/XXXX: Uploaded 2/4/2026 XX/XX/XXXX: Received 02/04/2026   C A C A C A A A N/A N/A C C A N/A C C A N/A C C A N/A C C A N/A C C A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
4000111260 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 02/04/2026 Resolved 11187346553 Credit Sales Contract Missing or Defective Purchase Agreement on file is illegible. Please provide legible Purchase Agreement. XX/XX/XXXX: Uploaded 2/4/2026 XX/XX/XXXX: Received 02/04/2026   D A D A D A A A N/A N/A D D A N/A D D A N/A D D A N/A D D A N/A D D A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
4000111109 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 02/04/2026 Resolved XXXXX Credit No Findings This Loan Meets All Applicable Guidelines   2/4/2026   02/04/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
4000113396 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 02/10/2026 Resolved XXXXX Credit No Findings This Loan Meets All Applicable Guidelines   2/10/2026   02/10/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
4000112061 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 02/11/2026 Resolved 11254057260 Credit Significant Derogatory Credit Event – Requirement Not Met Background Report reflects Pre-Foreclosure Activity dated XX/XX/XXXX for property: XXX XXX XX/XX/XXXX: Uploaded 3/3/2026 XX/XX/XXXX: Received 03/03/2026   C A C A C A A A N/A N/A C C A N/A C C A N/A C C A N/A C C A N/A C C A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
4000112061 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 02/11/2026 Resolved 11254071182 Credit Hazard Insurance Missing or Defective Hazard Insurance Binder in file is missing the policy number. Please provide updated binder. XX/XX/XXXX: Uploaded 2/24/2026 XX/XX/XXXX: Received 02/24/2026   C A C A C A A A N/A N/A C C A N/A C C A N/A C C A N/A C C A N/A C C A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
4000111096 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 02/11/2026 Resolved 11254921392 Credit Title Insurance Coverage - Inadequate Coverage Title Insurance Coverage of XXX < XXX Minimum Coverage Required. Please provide updated Title. XX/XX/XXXX: Uploaded 2/12/2026 XX/XX/XXXX: Received 02/12/2026   C A C A C A A A N/A N/A C C A N/A C C A N/A C C A N/A C C A N/A C C A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
4000111406 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 02/13/2026 Resolved XXXXX Credit No Findings This Loan Meets All Applicable Guidelines   2/13/2026   02/13/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
4000113682 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 02/13/2026 Resolved XXXXX Credit No Findings This Loan Meets All Applicable Guidelines   2/13/2026   02/13/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
4000111045 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 02/13/2026 Resolved XXXXX Credit No Findings This Loan Meets All Applicable Guidelines   2/13/2026   02/13/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
4000112627 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 02/13/2026 Resolved XXXXX Credit No Findings This Loan Meets All Applicable Guidelines   2/13/2026   02/13/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
4000111094 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 02/17/2026 Resolved XXXXX Credit No Findings This Loan Meets All Applicable Guidelines   2/17/2026   02/17/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
4000113395 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 02/23/2026 Resolved 11347564254 Property Appraisal Missing or Defective Missing Appraisal Review Subject Property Located at: XXX XX/XX/XXXX: Uploaded 2/27/2026 XX/XX/XXXX: Received 02/27/2026   D A D A A A D A N/A N/A D A D N/A D A D N/A D A D N/A D A D N/A D A D N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
4000111132 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 02/25/2026 Resolved 11366793496 Credit Closing Protection Letter Missing or Defective Closing Protection Letter needs to reflect XXX as the buyer/borrower as this is the LLC reflected on the security instrument. XX/XX/XXXX: Uploaded 2/26/2026 XX/XX/XXXX: Received 02/26/2026   C A C A C A A A N/A N/A C C A N/A C C A N/A C C A N/A C C A N/A C C A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
4000111098 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 02/25/2026 Resolved 11368062878 Credit Closing Protection Letter Missing or Defective Closing Protection Letter needs to reflect XXX as the buyer/borrower as this is the LLC reflected on the security instrument. XX/XX/XXXX: Uploaded 2/26/2026 XX/XX/XXXX: Received 02/26/2026   C A C A C A A A N/A N/A C C A N/A C C A N/A C C A N/A C C A N/A C C A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
4000111134 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 02/25/2026 Resolved 11368320074 Credit Closing Protection Letter Missing or Defective Closing Protection Letter needs to reflect XXX as the buyer/borrower as this is the LLC reflected on the security instrument. XX/XX/XXXX: Uploaded 2/26/2026 XX/XX/XXXX: Received 02/26/2026   C A C A C A A A N/A N/A C C A N/A C C A N/A C C A N/A C C A N/A C C A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
4000111068 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 02/25/2026 Resolved 11368650529 Credit Closing Protection Letter Missing or Defective Closing Protection Letter needs to reflect XXX as the buyer/borrower as this is the LLC reflected on the security instrument. XX/XX/XXXX: Uploaded 2/26/2026 XX/XX/XXXX: Received 02/26/2026   C A C A C A A A N/A N/A C C A N/A C C A N/A C C A N/A C C A N/A C C A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
4000111105 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 02/27/2026 Resolved 11388882365 Credit Deed Missing or Defective Missing Evidence of Deed. XX/XX/XXXX: Uploaded 3/4/2026 XX/XX/XXXX: Received 03/04/2026   D A D A D A A A N/A N/A D D A N/A D D A N/A D D A N/A D D A N/A D D A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
4000111105 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 02/27/2026 Resolved 11388885172 Credit Flood Insurance Missing or Defective Flood Cert in file is illegible. Please provide legible Flood Cert. XX/XX/XXXX: Uploaded 3/3/2026 XX/XX/XXXX: Received 03/03/2026   D A D A D A A A N/A N/A D D A N/A D D A N/A D D A N/A D D A N/A D D A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
4000111105 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 02/27/2026 Resolved 11388880558 Credit Trust Documentation Missing or Defective Missing Revocable Trust Agreement For The XXX Family Revocable Trust of XXX XX/XX/XXXX: Uploaded 3/3/2026 XX/XX/XXXX: Received 03/03/2026   D A D A D A A A N/A N/A D D A N/A D D A N/A D D A N/A D D A N/A D D A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
4000111105 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 02/27/2026 Resolved 11388886755 Credit Sales Contract Missing or Defective Purchase Agreement on file is illegible. Please provide legible Purchase Agreement. XX/XX/XXXX: Uploaded 3/3/2026 XX/XX/XXXX: Received 03/03/2026   D A D A D A A A N/A N/A D D A N/A D D A N/A D D A N/A D D A N/A D D A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
4000114346 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 02/27/2026 Resolved XXXXX Credit No Findings This Loan Meets All Applicable Guidelines   2/27/2026   02/27/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
4000111046 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 03/03/2026 Resolved XXXXX Credit No Findings This Loan Meets All Applicable Guidelines   3/3/2026   03/03/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
4000117207 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 03/04/2026 Resolved 11426566067 Credit Excessive LTV Ratio LTV of 77% > XXX% Max LTV allowed for DSCR of XXX with an Interest-Only Mortgage. XX/XX/XXXX: Uploaded 3/5/2026 XX/XX/XXXX: Received 03/05/2026   C A C A C A A A N/A N/A C C A N/A C C A N/A C C A N/A C C A N/A C C A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
4000117208 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 03/04/2026 Resolved XXXXX Credit No Findings This Loan Meets All Applicable Guidelines   3/4/2026   03/04/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
4000118019 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 03/05/2026 Resolved XXXXX Credit No Findings This Loan Meets All Applicable Guidelines   3/5/2026   03/05/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
4000112416 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 03/05/2026 Resolved XXXXX Credit No Findings This Loan Meets All Applicable Guidelines   3/5/2026   03/05/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
4000115327 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 03/10/2026 Resolved XXXXX Credit No Findings This Loan Meets All Applicable Guidelines   3/10/2026   03/10/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
4000115714 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 03/11/2026 Resolved 11483238281 Credit Hazard Insurance Missing or Defective Missing Evidence of Hazard Insurance for subject property: XXX XX/XX/XXXX: Uploaded 3/13/2026 XX/XX/XXXX: Received 03/13/2026   D A D A D A A A N/A N/A D D A N/A D D A N/A D D A N/A D D A N/A D D A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
4000114645 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 03/12/2026 Resolved XXXXX Credit No Findings This Loan Meets All Applicable Guidelines   3/12/2026   03/12/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
4000119330 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 03/13/2026 Resolved XXXXX Credit No Findings This Loan Meets All Applicable Guidelines   3/13/2026   03/13/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
4000119835 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 03/13/2026 Resolved XXXXX Credit No Findings This Loan Meets All Applicable Guidelines   3/13/2026   03/13/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
4000117210 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 03/17/2026 Resolved 11532784532 Credit Sales Contract Missing or Defective Purchase Agreement on file is illegible. Please provide legible Purchase Agreement. XX/XX/XXXX: Uploaded 3/18/2026 XX/XX/XXXX: Received 03/18/2026   D A D A D A A A N/A N/A D D A N/A D D A N/A D D A N/A D D A N/A D D A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
4000117212 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 03/18/2026 Resolved XXXXX Credit No Findings This Loan Meets All Applicable Guidelines   3/18/2026   03/18/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
4000118546 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 03/18/2026 Resolved XXXXX Credit No Findings This Loan Meets All Applicable Guidelines   3/18/2026   03/18/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
4000117747 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 03/18/2026 Resolved XXXXX Credit No Findings This Loan Meets All Applicable Guidelines   3/18/2026   03/18/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
4000118781 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 03/23/2026 Resolved XXXXX Credit No Findings This Loan Meets All Applicable Guidelines   3/23/2026   03/23/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
4000119009 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 03/23/2026 Resolved XXXXX Credit No Findings This Loan Meets All Applicable Guidelines   3/23/2026   03/23/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
4000116673 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 03/24/2026 Resolved 11586171908 Credit Significant Derogatory Credit Event – Requirement Not Met Background reflects recent foreclosure dated XX/XX/XXXX for address: XXX XX/XX/XXXX: Uploaded 3/25/2026 XX/XX/XXXX: Received 03/25/2026   C A C A C A A A N/A N/A C C A N/A C C A N/A C C A N/A C C A N/A C C A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
4000118548 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 03/25/2026 Resolved 11597856093 Credit Sales Contract Missing or Defective Purchase Agreement on file is illegible. Please provide legible Purchase Agreement. XX/XX/XXXX: Uploaded 3/26/2026 XX/XX/XXXX: Received 03/26/2026   D A D A D A A A N/A N/A D D A N/A D D A N/A D D A N/A D D A N/A D D A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
4000105271 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 05/07/2026 Resolved 66080-1 Credit BACKGROUND REPORT AGED XXX DAYS AGE BACKGROUND CHECK > XXX DAYS MAXIMUM ALLOWED FOR GUARANTOR: XXX   12/10/2025 XX/XX/XXXX: RECEIVED 12/10/2025   D A D A D A A A N/A N/A D D A N/A D D A N/A D D A N/A D D A N/A D D A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
4000105271 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 05/07/2026 Resolved 66080-2 Credit SUBJECT PROPERTY LEASE - MISSING OR DEFECTIVE PROVIDED LEASE AGREEMENT REFLECTS XXX YEAR TERM. PROVIDE UPDATED LEASE SHOWING TERM OF LESS THAN: XXX YEARS   12/11/2025 XX/XX/XXXX: RECEIVED LEASE SHOWING XXX YEAR 12/11/2025   D A C A D A A A N/A N/A D D A N/A D D A N/A D D A N/A D D A N/A D D A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
4000105271 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 05/07/2026 Resolved 66080-3 Credit NOTE MISSING OR DEFECTIVE DEFECTIVE NOTE. PROVIDED NOTE REFLECTS XXX OF: XXX XXX PROVIDE NOTE AMENDMENT REFLECTS MAURITY DATE OF: XXX XXX   12/22/2025 XX/XX/XXXX: RECEIVED NOTE AMENDMENT 12/22/2025   D A C A D A A A N/A N/A D D A N/A D D A N/A D D A N/A D D A N/A D D A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
4000112881 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 05/07/2026 Resolved BPP3603859-1 PROPERTY HAZARD INSURANCE MISSING OR DEFECTIVE MISSING HAZARD INSURANCE   2/3/2026 XXX3/CA: RECEIVED 02/03/2026   D A D A D A D A N/A N/A D D D N/A D D D N/A D D D N/A D D D N/A D D D N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
4000112881 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 05/07/2026 Resolved BPP3603859-2 Credit CLOSING PROTECTION LETTER MISSING OR DEFECTIVE MISSING CLOSING PROTECTION LETTER   2/3/2026 XXX3/CA: RECEIVED 02/03/2026   D A D A D A D A N/A N/A D D D N/A D D D N/A D D D N/A D D D N/A D D D N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
4000112881 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 05/07/2026 Resolved BPP3603859-3 Credit CLOSING DISCLOSURE/SETTLEMENT STATEMENT MISSING OR DEFECTIVE MISSING PRELIMINARY HUD   2/3/2026 XXX3/CA: RECEIVED 02/03/2026   D A D A D A D A N/A N/A D D D N/A D D D N/A D D D N/A D D D N/A D D D N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
4000113180 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 05/07/2026 Resolved BPP3603860-1 Credit SUBJECT PROPERTY LEASE - MISSING OR DEFECTIVE MISSING LEASE AGREEMENT FOR SUBJECT PROPERTY: XXX   2/9/2026 XX/XX/XXXX: RECEIVED 02/09/2026   D A D A D A A A N/A N/A D D A N/A D D A N/A D D A N/A D D A N/A D D A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
4000113180 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 05/07/2026 Resolved BPP3603860-2 Credit TITLE INSURANCE COVERAGE - INADEQUATE COVERAGE XXX TITLE INSURANCE COVERAGE < XXX MINIMUM INSURANCE REQUIRED   2/9/2026 XX/XX/XXXX: RECEIVED 02/09/2026   D A C A D A A A N/A N/A D D A N/A D D A N/A D D A N/A D D A N/A D D A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
4000113180 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 05/07/2026 Resolved BPP3603860-3 Credit CLOSING DISCLOSURE/SETTLEMENT STATEMENT MISSING OR DEFECTIVE MISSING PRELIMINARY HUD DOES NOT MATCH THE LOAN AMOUNT   2/9/2026 XX/XX/XXXX: RECEIVED 02/09/2026   D A C A D A A A N/A N/A D D A N/A D D A N/A D D A N/A D D A N/A D D A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
4000113180 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 05/07/2026 Resolved BPP3603860-4 Credit VERIFICATION OR MORTGAGE MISSING OR DEFECTIVE MISSING VERIFICATION OF MORTGAGE   2/9/2026 XX/XX/XXXX: RECEIVED 02/09/2026   D A D A D A A A N/A N/A D D A N/A D D A N/A D D A N/A D D A N/A D D A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
4000113180 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 05/07/2026 Resolved BPP3603860-5 Credit PAYOFF STATEMENT MISSING OR DEFECTIVE MISSING PAYOFF StateMENT   2/9/2026 XX/XX/XXXX: RECEIVED 02/09/2026   D A D A D A A A N/A N/A D D A N/A D D A N/A D D A N/A D D A N/A D D A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
4000114785 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 05/07/2026 Resolved 151599-1 Credit NO FINDINGS The loan meets all applicable guidelines IN PRE-CLOSE REVIEW           C A A A C A A A N/A N/A C C A N/A C C A N/A C C A N/A C C A N/A C C A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
4000114782 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 05/07/2026 Resolved 103457-1 Credit PAYOFF STATEMENT MISSING OR DEFECTIVE MISSING PAYOFF StateMENT   2/9/2026 XX/XX/XXXX: RECEIVED 02/09/2026   D A D A D A A A N/A N/A D D A N/A D D A N/A D D A N/A D D A N/A D D A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
4000114782 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 05/07/2026 Resolved 103457-2 Credit CLOSING DISCLOSURE/SETTLEMENT STATEMENT MISSING OR DEFECTIVE PROVIDED PRELIM HUD OMITS PAYOFF StateMENT. PROVIDE UPDATED SETTLEMENT StateMENT   2/9/2026 XX/XX/XXXX: RECEIVED 02/09/2026   D A D A D A A A N/A N/A D D A N/A D D A N/A D D A N/A D D A N/A D D A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
4000115100 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 05/07/2026 Resolved 151457-1 Credit DATA TAPE MISSING OR DEFECTIVE DATA TAPE DISCREPANCY: DATA TAPE REFLECTS HAZARD INSURANCE AS : XXX WHILE HAZARD INSURANCE REFLECTS $XXX. PLEASE PROVIDE UPDATED TAPE   2/10/2026 XX/XX/XXXX: RECEIVED 02/10/2026   C A C A C A A A N/A N/A C C A N/A C C A N/A C C A N/A C C A N/A C C A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
4000115399 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 05/07/2026 Resolved 103433-1 Credit LOAN APPLICATION MISSING OR DEFECTIVE MISSING LOAN APPLICATION OR TERM SHEET   2/9/2026 XX/XX/XXXX: RECEIVED 02/09/2026 XX/XX/XXXX DSCR, 69% LTV, AND XXX FICO D B D A D B A A N/A N/A D D A N/A D D A N/A D D A N/A D D A N/A D D A N/A B B A N/A B B A N/A B B A N/A B B A N/A B B A N/A
4000114785 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 05/07/2026 Resolved 151599-2 Credit PAYOFF STATEMENT MISSING OR DEFECTIVE PAYOFF DEMAND EXPIRED ON XX/XX/XXXX   2/9/2026 XX/XX/XXXX: RECEIVED 02/09/2026   C A C A C A A A N/A N/A C C A N/A C C A N/A C C A N/A C C A N/A C C A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
4000115399 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 05/07/2026 Acknowledged 103433-3 Credit SIGNIFICANT DEROGATORY CREDIT EVENT – REQUIREMENT NOT MET INELIGIBLE CRIMINAL HISTORY. BACKGROUND CHECK REFLECTS PREVIOUS XXX (XXX OR MORE XXX) DATED XX/XX/XXXX XX/XX/XXXX/TCP: XXX WAIVER IN FILE; XXX - XX/XX/XXXX DSCR, 69% LTV, AND XXX FICO 2/9/2026 XX/XX/XXXX: RECEIVED WAIVER BASED ON LOE FROM BORROWER INDICATING IT WAS A XXX MISTAKE AND HE IS FULLY XXX. LOE FURTHER EXPLAINS LAWS HAVE CHANGED AND WOULD NO LONGER BE CONSIDERED AN OFFENSE. WAIVER SUPPORTED BY THE FOLLOWING COMPENSATING FACTORS: XX/XX/XXXX DSCR, 69% LTV, XXX FICO. EXCEPTION DOWNGRADED TO LEVEL 2/B. 02/09/2026 XX/XX/XXXX DSCR, 69% LTV, AND XXX FICO D B C B D B A A N/A N/A D D A N/A D D A N/A D D A N/A D D A N/A D D A N/A B B A N/A B B A N/A B B A N/A B B A N/A B B A N/A
4000115813 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 05/07/2026 Resolved 103502-1 Credit ENTITY DOCUMENTATION - MISSING OR DEFECTIVE MISSING ARTICLES OF INCORPORATION   2/11/2026 XX/XX/XXXX: RECEIVED 02/11/2026   D A D A D A A A N/A N/A D D A N/A D D A N/A D D A N/A D D A N/A D D A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
4000115813 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 05/07/2026 Resolved 103502-2 Credit INSUFFICIENT ASSETS TO CLOSE XXX LIQUIDITY < XXX MINIMUM REQUIRED.   2/10/2026 XX/XX/XXXX: RECEIVED 02/10/2026   D A D A D A A A N/A N/A D D A N/A D D A N/A D D A N/A D D A N/A D D A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
4000115399 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 05/07/2026 Resolved 103433-4 Credit VERIFICATION OR MORTGAGE MISSING OR DEFECTIVE VOM REFLECTS BORROWER WAS LATE XXX IN PAST XXX MONTHS AND IS NOT CURRENT   2/18/2026 XX/XX/XXXX: RECEIVED LOE. BORROWER'S LOAN HAD A DELINQUENT FINAL SCHEDULED PAYMENT (I. A MATURITY DEFAULT) AND IS NOT CONSIDERED A DEFAULTED LOAN PER GUIDES. PAYMENT HISTORY SUPPORTS THAT THE LOAN WAS CURRENT ON THE PREVIOUS XXX-MONTH PERIOD. 02/18/2026 XX/XX/XXXX DSCR, 69% LTV, AND XXX FICO D B C A D B A A N/A N/A D D A N/A D D A N/A D D A N/A D D A N/A D D A N/A B B A N/A B B A N/A B B A N/A B B A N/A B B A N/A
4000112881 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 05/07/2026 Resolved BPP3603859-4 Credit LOAN AGREEMENT MISSING OR DEFECTIVE MISSING LENDER-SIGNED LOAN AGREEMENT. PROVIDED LOAN AGREEMENT IS NOT SIGNED BY LENDER   3/2/2026 XX/XX/XXXX: RECEIVED 03/02/2026   D A D A D A D A N/A N/A D D D N/A D D D N/A D D D N/A D D D N/A D D D N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
4000117609 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 05/07/2026 Resolved 103607-2 Credit DATA TAPE MISSING OR DEFECTIVE DSCR DISCREPANCY: PROVIDED MONTHLY TAXES OF: XXX PROVIDED DATA TAPE REFLECTS MONTHLY TAXES OF: $XXX. PROVIDE UPDATED TAPE   2/24/2026 XX/XX/XXXX: RECEIVED 02/24/2026   C A C A C A A A N/A N/A C C A N/A C C A N/A C C A N/A C C A N/A C C A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
4000117612 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 05/07/2026 Resolved 5558875-3 PROPERTY COMPLETION REPORT OR 1004D - MISSING APPRAISAL REFLECTS THAT THE SMOKE/CO DETECTOR WAS NOT INSTALLED IN BELOW GRADE UTILITY ROOM   2/23/2026 XX/XX/XXXX/CA: RECEIVED 02/23/2026   D A D A A A D A N/A N/A D A D N/A D A D N/A D A D N/A D A D N/A D A D N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
4000115813 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 05/07/2026 Resolved 103502-3 Credit FIRST PAYMENT LETTER MISSING OR DEFECTIVE MISSING FIRST PAYMENT LETTER   2/25/2026 XX/XX/XXXX: RECEIVED 02/25/2026   D A D A D A A A N/A N/A D D A N/A D D A N/A D D A N/A D D A N/A D D A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
4000113180 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 05/07/2026 Resolved BPP3603860-6 Credit LOAN AGREEMENT MISSING OR DEFECTIVE MISSING LENDER-SIGNED LOAN AGREEMENT. PROVIDED LOAN AGREEMENT IS NOT SIGNED BY LENDER   3/2/2026 XX/XX/XXXX: RECEIVED 03/02/2026   D A D A D A A A N/A N/A D D A N/A D D A N/A D D A N/A D D A N/A D D A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
4000112881 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 05/07/2026 Resolved BPP3603859-5 Credit W-9 MISSING OR DEFECTIVE FORM W-XXX OMITS BORROWING ENTITY'S MAILING ADDRESS   3/3/2026 XX/XX/XXXX/CA: RECEIVED 03/03/2026   D A C A D A D A N/A N/A D D D N/A D D D N/A D D D N/A D D D N/A D D D N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
4000118626 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 05/07/2026 Resolved 151584-1 Credit BACKGROUND CHECK MISSING OR DEFECTIVE MISSING BACKGROUND CHECK FOR GUARANTOR: XXX   3/3/2026 XX/XX/XXXX/CA: RECEIVED 03/03/2026   D A D A D A A A N/A N/A D D A N/A D D A N/A D D A N/A D D A N/A D D A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
4000117825 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 05/07/2026 Resolved 1784-2 Credit W-9 MISSING OR DEFECTIVE MISSING FORM W-XXX   3/5/2026 XX/XX/XXXX: RECEIVED 03/05/2026   D A D A D A A A N/A N/A D D A N/A D D A N/A D D A N/A D D A N/A D D A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
4000119701 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 05/07/2026 Resolved 5306111-1 Credit CLOSING DISCLOSURE/SETTLEMENT STATEMENT MISSING OR DEFECTIVE PROVIDED PRELIMINARY HUD DOES NOT MATCH THE LOAN AMOUNT.   3/9/2026 XX/XX/XXXX: RECEIVED 03/09/2026   D A D A D A A A N/A N/A D D A N/A D D A N/A D D A N/A D D A N/A D D A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
4000120092 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 05/07/2026 Resolved 151100-1 Credit LOAN APPLICATION MISSING OR DEFECTIVE MISSING LOAN APPLICATION OR TERM SHEET   3/13/2026 XX/XX/XXXX/CA: RECEIVED 03/13/2026   D A D A D A A A N/A N/A D D A N/A D D A N/A D D A N/A D D A N/A D D A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
4000120094 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 05/07/2026 Resolved 103753-2 Credit BACKGROUND CHECK MISSING OR DEFECTIVE AGED BACKGROUND CHECK; BACKGROUND REPORT DATED XX/XX/XXXX IS > XXX DAYS MAXIMUM ALLOWED   3/10/2026 XX/XX/XXXX: RECEIVED 03/10/2026   D A C A D A A A N/A N/A D D A N/A D D A N/A D D A N/A D D A N/A D D A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
4000119880 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 05/07/2026 Resolved 103747-2 Credit NO FINDINGS The loan meets all applicable guidelines           A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
4000119694 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 05/07/2026 Resolved 151756-2 Credit NO FINDINGS The loan meets all applicable guidelines IN PRE-CLOSE REVIEW           D A A A D A A A N/A N/A D D A N/A D D A N/A D D A N/A D D A N/A D D A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
4000117829 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 05/07/2026 Resolved BCCLN01032026-2 Credit ACH MISSING OR DEFECTIVE PROVIDED ACH DOCUMENT IS MISISNG BANK NAME & ACCOUNT NUMBER   3/12/2026 XX/XX/XXXX: RECEIVED 03/12/2026   D A D A D A A A N/A N/A D D A N/A D D A N/A D D A N/A D D A N/A D D A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
4000120582 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 05/07/2026 Resolved 103790-1 Credit ENTITY DOCUMENTATION - MISSING OR DEFECTIVE MISSING OPERATING AGREEMENT FOR BORROWER ENTITY : XXX   3/16/2026 XX/XX/XXXX: RECEIVED 03/16/2026   D A D A D A D A N/A N/A D D D N/A D D D N/A D D D N/A D D D N/A D D D N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
4000120582 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 05/07/2026 Resolved 103790-2 Credit ENTITY DOCUMENTATION - MISSING OR DEFECTIVE MISSING ARTICLES OF INCORPORATION FOR BORROWER ENTITY : XXX   3/16/2026 XX/XX/XXXX: RECEIVED 03/16/2026   D A D A D A D A N/A N/A D D D N/A D D D N/A D D D N/A D D D N/A D D D N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
4000120582 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 05/07/2026 Resolved 103790-3 Credit ENTITY DOCUMENTATION - MISSING OR DEFECTIVE MISSING EIN FOR BORROWER ENTITY : XXX   3/16/2026 XX/XX/XXXX: RECEIVED 03/16/2026   D A D A D A D A N/A N/A D D D N/A D D D N/A D D D N/A D D D N/A D D D N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
4000120582 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 05/07/2026 Resolved 103790-4 Credit LOAN APPLICATION MISSING OR DEFECTIVE MISSING LOAN APPLICATION OR TERM SHEET   3/16/2026 XX/XX/XXXX: RECEIVED 03/16/2026   D A D A D A D A N/A N/A D D D N/A D D D N/A D D D N/A D D D N/A D D D N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
4000120582 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 05/07/2026 Resolved 103790-5 Credit CLOSING DISCLOSURE/SETTLEMENT STATEMENT MISSING OR DEFECTIVE MISSING PRELIMINARY HUD   3/16/2026 XX/XX/XXXX: RECEIVED 03/16/2026   D A D A D A D A N/A N/A D D D N/A D D D N/A D D D N/A D D D N/A D D D N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
4000120582 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 05/07/2026 Resolved 103790-6 Credit TAX CERTIFICATE MISSING OR DEFECTIVE MISSING TAX CERTIFICATE FOR PROPERTY :XXX   3/16/2026 XX/XX/XXXX: RECEIVED 03/16/2026   D A D A D A D A N/A N/A D D D N/A D D D N/A D D D N/A D D D N/A D D D N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
4000120582 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 05/07/2026 Resolved 103790-7 Credit SUBJECT PROPERTY LEASE - MISSING OR DEFECTIVE MISSING LEASE AGREEMENT FOR PROPERTY LOCATED AT :XXX   3/16/2026 XX/XX/XXXX: RECEIVED 03/16/2026   D A D A D A D A N/A N/A D D D N/A D D D N/A D D D N/A D D D N/A D D D N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
4000120582 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 05/07/2026 Resolved 103790-8 PROPERTY FLOOD CERT OR EVIDENCE NOT IN A FLOOD ZONE MISSING MISSING FLOOD CERTIFICATE FOR PROPERTY :XXX   3/16/2026 XX/XX/XXXX: RECEIVED 03/16/2026   D A D A D A D A N/A N/A D D D N/A D D D N/A D D D N/A D D D N/A D D D N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
4000120582 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 05/07/2026 Resolved 103790-9 PROPERTY HAZARD INSURANCE MISSING OR DEFECTIVE MISSING HAZARD INSURANCE FOR PROPERTY LOCATED AT : XXX   3/16/2026 XX/XX/XXXX: RECEIVED 03/16/2026   D A D A D A D A N/A N/A D D D N/A D D D N/A D D D N/A D D D N/A D D D N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
4000120582 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 05/07/2026 Resolved 103790-10 Credit PAYOFF STATEMENT MISSING OR DEFECTIVE MISSING PAYOFF StateMENT XX/XX/XXXX: PAYOFF EFFECTIVE DATE IS XX/XX/XXXX; UPDATE PAYOFF IS NEEDED. 3/19/2026 XX/XX/XXXX: WILL REVIEW IN POST-CLOSE 03/19/2026   D A D A D A D A N/A N/A D D D N/A D D D N/A D D D N/A D D D N/A D D D N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
4000120582 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 05/07/2026 Resolved 103790-11 Credit VERIFICATION OR MORTGAGE MISSING OR DEFECTIVE MISSING VERIFICATION OF MORTGAGE   3/16/2026 XX/XX/XXXX: RECEIVED 03/16/2026   D A D A D A D A N/A N/A D D D N/A D D D N/A D D D N/A D D D N/A D D D N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
4000120582 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 05/07/2026 Resolved 103790-12 Credit CLOSING PROTECTION LETTER MISSING OR DEFECTIVE MISSING CLOSING PROTECTION LETTER   3/16/2026 XX/XX/XXXX: RECEIVED 03/16/2026   D A D A D A D A N/A N/A D D D N/A D D D N/A D D D N/A D D D N/A D D D N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
4000120582 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 05/07/2026 Resolved 103790-13 Credit TITLE INSURANCE MISSING OR DEFECTIVE MISSING TITLE INSURANCE   3/16/2026 XX/XX/XXXX: RECEIVED 03/16/2026   D A D A D A D A N/A N/A D D D N/A D D D N/A D D D N/A D D D N/A D D D N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
4000120582 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 05/07/2026 Resolved 103790-14 PROPERTY DESK REVIEW VARIANCE > 10% XXX APPRAISAL REVIEW VARIANCE > XXX% MAXIMUM ALLOWED. PROVIDE DESK REVIEW   3/18/2026 XX/XX/XXXX: RECEIVED REVISED DESK REVIEW 03/18/2026   D A C A D A D A N/A N/A D D D N/A D D D N/A D D D N/A D D D N/A D D D N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
4000120582 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 05/07/2026 Resolved 103790-15 PROPERTY APPRAISAL REVIEW - MISSING APPRAISALE REVIEW REFLECTS THE CLIENT'S AS IS VALUE AS XXX INSTEAD OF THE APPRAISED VALUE OF XXX   3/18/2026 XX/XX/XXXX: RECEIVED REVISED DESK REVIEW 03/18/2026   D A C A D A D A N/A N/A D D D N/A D D D N/A D D D N/A D D D N/A D D D N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
4000121663 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 05/07/2026 Resolved BPP3603958-5 PROPERTY APPRAISAL REVIEW - MISSING MISSING APPRAISAL REVIEW AND RENT REVIEW   3/18/2026 XX/XX/XXXX: RECEIVED 03/18/2026   D B D A C B D A N/A N/A D C D N/A D C D N/A D C D N/A D C D N/A D C D N/A B B A N/A B B A N/A B B A N/A B B A N/A B B A N/A
4000119694 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 05/07/2026 Resolved 151756-3 Credit ACH MISSING OR DEFECTIVE MISSING ACH AUTHORIZATION FORM   3/20/2026 XX/XX/XXXX: RECEIVED 03/20/2026   D A D A D A A A N/A N/A D D A N/A D D A N/A D D A N/A D D A N/A D D A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
4000106283 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: CDFI Lender Exempt Loan Review Complete 12/02/2025 Resolved FCRE8999 Credit No Credit Findings The loan meets all applicable credit guidelines.     Informational 12/03/2025 Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 80% Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 80% A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
4000106283 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: CDFI Lender Exempt Loan Review Complete 12/02/2025 Resolved FPRO8998 Property No Property Findings Property and valuations related findings were not identified on the loan.     Informational 12/03/2025 Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 80% Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 80% A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
4000106283 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: CDFI Lender Exempt Loan Review Complete 12/02/2025 Resolved FCOM8997 Compliance No Compliance Findings The loan is in compliance with all applicable laws and regulations.     Informational 12/03/2025 Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 80% Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 80% A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
4000106320 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: CDFI Lender Exempt Loan Review Complete 12/03/2025 Resolved FCRE7495 Credit Verification of Borrower Liabilities Missing or Incomplete Change Underwriting Final Approval for recently refinanced primary residence, XXX, reflects a proposed PITI payment of, $XXX. Documentation verifying final PITIA payment for primary residence, XXX, is required. Document Uploaded. 12/4/2025 Documentation is sufficient. XXX provided. Exception resolved. 12/05/2025 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 65% is less than Guideline CLTV of 85% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Original LTV is Below the Guideline Maximum - Calculated LTV of 65% is less than Guideline LTV of 85% 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
4000106320 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: CDFI Lender Exempt Loan Review Complete 12/03/2025 Resolved FCOM8997 Compliance No Compliance Findings The loan is in compliance with all applicable laws and regulations.     Informational 12/04/2025 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 65% is less than Guideline CLTV of 85% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Original LTV is Below the Guideline Maximum - Calculated LTV of 65% is less than Guideline LTV of 85% 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
4000106320 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: CDFI Lender Exempt Loan Review Complete 12/03/2025 Resolved FPRO8998 Property No Property Findings Property and valuations related findings were not identified on the loan.     Informational 12/04/2025 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 65% is less than Guideline CLTV of 85% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Original LTV is Below the Guideline Maximum - Calculated LTV of 65% is less than Guideline LTV of 85% 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
4000106298 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: CDFI Lender Exempt Loan Review Complete 12/04/2025 Resolved FCRE8999 Credit No Credit Findings The loan meets all applicable credit guidelines.     Informational 12/05/2025   A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
4000106298 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: CDFI Lender Exempt Loan Review Complete 12/04/2025 Resolved FPRO8998 Property No Property Findings Property and valuations related findings were not identified on the loan.     Informational 12/05/2025   A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
4000106298 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: CDFI Lender Exempt Loan Review Complete 12/04/2025 Resolved FCOM8997 Compliance No Compliance Findings The loan is in compliance with all applicable laws and regulations.     Informational 12/05/2025   A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
4000106316 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: CDFI Lender Exempt Loan Review Complete 12/04/2025 Resolved FCOM8997 Compliance No Compliance Findings The loan is in compliance with all applicable laws and regulations.     Informational 12/05/2025 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
4000106316 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: CDFI Lender Exempt Loan Review Complete 12/04/2025 Resolved FCRE8999 Credit No Credit Findings The loan meets all applicable credit guidelines.     Informational 12/05/2025 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
4000106316 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: CDFI Lender Exempt Loan Review Complete 12/04/2025 Resolved FPRO8998 Property No Property Findings Property and valuations related findings were not identified on the loan.     Informational 12/05/2025 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
4000106323 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: CDFI Lender Exempt Loan Review Complete 12/08/2025 Resolved FCRE8999 Credit No Credit Findings The loan meets all applicable credit guidelines.     informational 12/09/2025 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
4000106323 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: CDFI Lender Exempt Loan Review Complete 12/08/2025 Resolved FPRO8998 Property No Property Findings Property and valuations related findings were not identified on the loan.     informational 12/09/2025 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
4000106314 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: CDFI Lender Exempt Loan Review Complete 12/08/2025 Resolved FCRE8999 Credit No Credit Findings The loan meets all applicable credit guidelines.     informational 12/09/2025 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
4000106314 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: CDFI Lender Exempt Loan Review Complete 12/08/2025 Resolved FPRO8998 Property No Property Findings Property and valuations related findings were not identified on the loan.     informational 12/09/2025 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
4000106314 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: CDFI Lender Exempt Loan Review Complete 12/09/2025 Resolved FCOM8997 Compliance No Compliance Findings The loan is in compliance with all applicable laws and regulations.     informational 12/09/2025 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
4000120452 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: CDFI Lender Exempt Loan Review Complete 01/30/2026 Resolved FCRE8999 Credit No Credit Findings The loan meets all applicable credit guidelines.     Informational 02/02/2026 Original LTV is Below the Guideline Maximum - Calculated LTV of 75% is less than Guideline LTV of 85% 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 75% is less than Guideline CLTV of 85% A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
4000120452 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: CDFI Lender Exempt Loan Review Complete 01/30/2026 Resolved FPRO8998 Property No Property Findings Property and valuations related findings were not identified on the loan.     Informational 02/02/2026 Original LTV is Below the Guideline Maximum - Calculated LTV of 75% is less than Guideline LTV of 85% 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 75% is less than Guideline CLTV of 85% A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
4000120452 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: CDFI Lender Exempt Loan Review Complete 01/30/2026 Resolved finding-3352 Compliance Higher-Priced Mortgage Loan Test Compliant HPML. This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met.     Compliant HPML 02/02/2026 Original LTV is Below the Guideline Maximum - Calculated LTV of 75% is less than Guideline LTV of 85% 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 75% is less than Guideline CLTV of 85% A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
4000108786 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 01/15/2026 Resolved FCRE8999 Credit No Credit Findings The loan meets all applicable credit guidelines.     Informational Only 01/16/2026 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
4000108786 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 01/15/2026 Resolved FPRO8998 Property No Property Findings Property and valuations related findings were not identified on the loan.     Informational Only 01/16/2026 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
4000113733 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Loan Review Complete 02/09/2026 Resolved FCRE1248 Credit Purchase is not considered to be an Arm's Length Transaction Purchase is not considered to be an Arm's Length Transaction Both buyer and seller have the Last Name of XXX. While that is a common surname in XXX, an affidavit establishing an arm's length transaction should be in file. The letter in the file is not signed. Non-Arm's Length Transactions are not allowed. Document Uploaded. 2/13/2026 Signed LOE from Borrower received. Purchase is considered to be an Arm's Length Transaction. Condition cleared. 02/16/2026 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% Original LTV is Below the Guideline Maximum - Calculated LTV of 51.9% 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 51.9% is less than Guideline CLTV of 80% D A C A C A A A D A D C A D D C A D D C A D D C A D D C A D A A A A A A A A A A A A A A A A A A A A
4000113733 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Loan Review Complete 02/09/2026 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. Document Uploaded. 2/13/2026 Evidence of appraisal delivery provided. 02/16/2026 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% Original LTV is Below the Guideline Maximum - Calculated LTV of 51.9% 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 51.9% is less than Guideline CLTV of 80% D A B A C A A A D A D C A D D C A D D C A D D C A D D C A D A A A A A A A A A A A A A A A A A A A A
4000113733 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Loan Review Complete 02/09/2026 Resolved FCOM1266 Compliance Homeownership Counseling Disclosure Is Missing Homeownership Counseling Disclosure Is Missing The defect can be cured by providing the Homeownership Counseling Disclosure dated within XXX days from from application XX/XX/XXXX. Document Uploaded. 2/13/2026 Homeownership Counseling Disclosure Is Present or XXX 02/16/2026 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% Original LTV is Below the Guideline Maximum - Calculated LTV of 51.9% 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 51.9% is less than Guideline CLTV of 80% D A B A C A A A D A D C A D D C A D D C A D D C A D D C A D A A A A A A A A A A A A A A A A A A A A
4000113733 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Loan Review Complete 02/09/2026 Resolved FCOM1280 Compliance Collateral Protection Notice is Missing Collateral Protection Notice was not provided. The defect can be cured by providing the Collateral Protection Notice Document Uploaded. 2/13/2026 Collateral Protection Notice was provided. 02/16/2026 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% Original LTV is Below the Guideline Maximum - Calculated LTV of 51.9% 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 51.9% is less than Guideline CLTV of 80% D A D A C A A A D A D C A D D C A D D C A D D C A D D C A D A A A A A A A A A A A A A A A A A A A A
4000113733 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Loan Review Complete 02/09/2026 Resolved FPRO8998 Property No Property Findings Property and valuations related findings were not identified on the loan.     Informational Only 02/11/2026 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% Original LTV is Below the Guideline Maximum - Calculated LTV of 51.9% 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 51.9% is less than Guideline CLTV of 80% D A A A C A A A D A D C A D D C A D D C A D D C A D D C A D A A A A A A A A A A A A A A A A A A A A
4000114923 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Loan Review Complete 02/25/2026 Resolved FCRE1197 Credit Audited FICO is less than Guideline FICO Audited FICO of is less than Guideline FICO of XXX There are no credit reports in the document set. Please provide all credit reports for review. Document Uploaded. 3/2/2026 Audited FICO of XXX is greater than or equal to Guideline FICO of XXX 03/03/2026 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 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
4000114923 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Loan Review Complete 02/25/2026 Resolved FCRE5770 Credit Borrower 1 Credit Report is Missing Borrower 1 Credit Report is Missing. There are no credit reports in the document set. Please provide all credit reports for review. Document Uploaded. 3/2/2026 Borrower 1 Credit Report is not missing. 03/03/2026 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 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
4000114923 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Loan Review Complete 02/25/2026 Resolved FCRE5771 Credit Borrower 2 Credit Report is Missing Borrower 2 Credit Report is Missing. There are no credit reports in the document set. Please provide all credit reports for review. Document Uploaded. 3/2/2026 Borrower 2 Credit Report is not missing. 03/03/2026 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 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
4000114923 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Loan Review Complete 02/26/2026 Resolved FCRE1441 Credit Delinquent Credit History Does Not Meet Guideline Requirements Delinquent Credit History Does Not Meet Guideline Requirements Unable to determine. There are no credit reports in the document set. Please provide all credit reports for review. Document Uploaded. 3/2/2026 Delinquent Credit History Meets Guideline Requirements 03/03/2026 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 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
4000114923 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Loan Review Complete 02/25/2026 Resolved FPRO8998 Property No Property Findings Property and valuations related findings were not identified on the loan.     Informational Only 02/27/2026 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 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
4000114923 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Loan Review Complete 02/25/2026 Resolved FCOM8997 Compliance No Compliance Findings The loan is in compliance with all applicable laws and regulations.     Informational Only 02/27/2026 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 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
4000115853 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Loan Review Complete 03/11/2026 Resolved FCRE1174 Credit HO6 Master Insurance Policy is Partial HO-6 Master Insurance Policy Partially Provided The Master Condo Insurance Policy expired on XX/XX/XXXX, which is prior to the subject loan closing date of XX/XX/XXXX. Please provide the current Master Condo Policy. Document Uploaded. ; Document Uploaded. ; Master HOI- The master policy was active as of the date of the note. 4/7/2026 HO-6 Master Insurance Policy is fully present; Master policy provided does not reflect the subject address nor do any of the policy numbers match the policy already in the file to match it to the subject. Please provide the master policy for the subject property that was not expired. Thank you.; The master insurance policy in file reflected an expiration date of XX/XX/XXXX which is prior to closing date of XX/XX/XXXX. Please provide the policy that was in effect and not expired at time of closing. Thank you. 04/07/2026 Original CLTV is Below the Guideline Maximum - Calculated CLTV of 37.5% is less than Guideline CLTV of 80% Original LTV is Below the Guideline Maximum - Calculated LTV of 37.5% is less than Guideline LTV of 80% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% D B D A D B A A C A D D A C D D A C D D A C D D A C D D A C B B A A B B A A B B A A B B A A B B A A
4000115853 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Loan Review Complete 03/11/2026 Acknowledged FCRE1440 Credit Housing History Does Not Meet Guideline Requirements Housing History Does Not Meet Guideline Requirements The Final Loan Application Stated the Borrower was living rent free for XXX year and XXX months and prior to this, he was paying XXX per month for XXX years and XXX month. The applicable Guidelines require a XXX x XXX x XXX housing payment history. The loan file does not contain a verification of the XXX months rental payment history prior to the Borrower living rent free. Please provide verification of rent for the XXX months prior to the Borrower living rent free. Document Uploaded. 3/19/2026 Lender exception to waive prior XXX month housing history approved by investor on XX/XX/XXXX. 03/20/2026 Original CLTV is Below the Guideline Maximum - Calculated CLTV of 37.5% is less than Guideline CLTV of 80% Original LTV is Below the Guideline Maximum - Calculated LTV of 37.5% is less than Guideline LTV of 80% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% D B C B D B A A C A D D A C D D A C D D A C D D A C D D A C B B A A B B A A B B A A B B A A B B A A
4000115853 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Loan Review Complete 03/11/2026 Resolved FCRE1438 Credit ATR Risk ATR Risk File contains no credit reports. Please provide Origination Credit Report for review. Document Uploaded. 3/13/2026 ATR Risk Resolved 03/13/2026 Original CLTV is Below the Guideline Maximum - Calculated CLTV of 37.5% is less than Guideline CLTV of 80% Original LTV is Below the Guideline Maximum - Calculated LTV of 37.5% is less than Guideline LTV of 80% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% D B C A D B A A C A D D A C D D A C D D A C D D A C D D A C B B A A B B A A B B A A B B A A B B A A
4000115853 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Loan Review Complete 03/11/2026 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. File contains no credit reports. Please provide Origination Credit Report for review. Document Uploaded. 3/13/2026 The consumer's current debt obligations, alimony, and child support or other debt obligations were confirmed. 03/13/2026 Original CLTV is Below the Guideline Maximum - Calculated CLTV of 37.5% is less than Guideline CLTV of 80% Original LTV is Below the Guideline Maximum - Calculated LTV of 37.5% is less than Guideline LTV of 80% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% D B C A D B A A C A D D A C D D A C D D A C D D A C D D A C B B A A B B A A B B A A B B A A B B A A
4000115853 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Loan Review Complete 03/11/2026 Resolved FCRE5770 Credit Borrower 1 Credit Report is Missing Borrower 1 Credit Report is Missing. The loan file does not contain the Borrower 1 Origination Credit Report. Please provide the Borrower 1 Origination Credit Report. Document Uploaded. 3/13/2026 Borrower 1 Credit Report is not missing. 03/13/2026 Original CLTV is Below the Guideline Maximum - Calculated CLTV of 37.5% is less than Guideline CLTV of 80% Original LTV is Below the Guideline Maximum - Calculated LTV of 37.5% is less than Guideline LTV of 80% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% D B D A D B A A C A D D A C D D A C D D A C D D A C D D A C B B A A B B A A B B A A B B A A B B A A
4000115853 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Loan Review Complete 03/11/2026 Resolved FCRE1441 Credit Delinquent Credit History Does Not Meet Guideline Requirements Delinquent Credit History Does Not Meet Guideline Requirements The loan file does not contain the Borrower 1 Origination Credit Report. Please provide the Borrower 1 Origination Credit Report. Document Uploaded. 3/13/2026 Delinquent Credit History Meets Guideline Requirements 03/13/2026 Original CLTV is Below the Guideline Maximum - Calculated CLTV of 37.5% is less than Guideline CLTV of 80% Original LTV is Below the Guideline Maximum - Calculated LTV of 37.5% is less than Guideline LTV of 80% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% D B C A D B A A C A D D A C D D A C D D A C D D A C D D A C B B A A B B A A B B A A B B A A B B A A
4000115853 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Loan Review Complete 03/11/2026 Resolved FCRE0376 Credit Tradelines do not meet Guideline Requirements The lender’s minimum tradeline requirements have not been met per guidelines. The loan file does not contain the Borrower 1 Origination Credit Report. Please provide the Borrower 1 Origination Credit Report. Document Uploaded. 3/13/2026 Tradelines meet Guideline Requirements 03/13/2026 Original CLTV is Below the Guideline Maximum - Calculated CLTV of 37.5% is less than Guideline CLTV of 80% Original LTV is Below the Guideline Maximum - Calculated LTV of 37.5% is less than Guideline LTV of 80% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% D B C A D B A A C A D D A C D D A C D D A C D D A C D D A C B B A A B B A A B B A A B B A A B B A A
4000115853 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Loan Review Complete 03/11/2026 Resolved FCRE1491 Credit Asset Qualification Does Not Meet Guideline Requirements Asset Qualification Does Not Meet Guideline Requirements The Final CD reflects a XXX gift was provided for funds to close. When the funds are not transferred prior to closing, the applicable Guidelines require the Originator to document that the Donor gave the Closing Agent the gift funds in the form of a certified check, a cashier’s check, money order, or wire transfer. The loan file missing verification that the Closing Agent received the gift funds. Please provide verification that the Closing Agent received the gift funds. Document Uploaded. 3/13/2026 Asset Qualification Meets Guideline Requirements 03/13/2026 Original CLTV is Below the Guideline Maximum - Calculated CLTV of 37.5% is less than Guideline CLTV of 80% Original LTV is Below the Guideline Maximum - Calculated LTV of 37.5% is less than Guideline LTV of 80% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% D B C A D B A A C A D D A C D D A C D D A C D D A C D D A C B B A A B B A A B B A A B B A A B B A A
4000115853 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Loan Review Complete 03/11/2026 Resolved FPRO8998 Property No Property Findings Property and valuations related findings were not identified on the loan.     Informational Only 03/11/2026 Original CLTV is Below the Guideline Maximum - Calculated CLTV of 37.5% is less than Guideline CLTV of 80% Original LTV is Below the Guideline Maximum - Calculated LTV of 37.5% is less than Guideline LTV of 80% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% D B A A D B A A C A D D A C D D A C D D A C D D A C D D A C B B A A B B A A B B A A B B A A B B A A
4000116392 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Loan Review Complete 03/18/2026 Resolved FCOM1221 Credit The Deed of Trust is Incomplete The Deed of Trust is Incomplete The loan document print date is XX/XX/XXXX and the borrower's signature date is XX/XX/XXXX. The notary date is XX/XX/XXXX. Please provide corrected documentation for the notary date. Document Uploaded. Sorry about that – It was corrected prior to sending for recording 3/25/2026 Corrected Notary Date received. The Deed of Trust is Present and Complete. Condition cleared. 03/26/2026 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
4000116392 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Loan Review Complete 03/17/2026 Resolved FCOM8997 Compliance No Compliance Findings The loan is in compliance with all applicable laws and regulations.     Informational Only 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 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
4000116392 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Loan Review Complete 03/17/2026 Resolved FPRO8998 Property No Property Findings Property and valuations related findings were not identified on the loan.     Informational Only 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 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
4000118954 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Loan Review Complete 03/25/2026 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. An 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 and Proof of Delivery or Valid COC. The tolerance is due to increased Appraisal fee from XXX to XXX from LE XX/XX/XXXX to CD XX/XX/XXXX. COC on file does not detail reason for increased fee. Per the invoice issued XX/XX/XXXX, the borrower paid the full amount by XX/XX/XXXX which is more than XXX business days from redisclosure. Document Uploaded. Uploaded cure docs. 4/9/2026 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. 04/10/2026 Original CLTV is Below the Guideline Maximum - Calculated CLTV of 48.72% is less than Guideline CLTV of 75% 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 48.72% is less than Guideline LTV of 75% 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
4000118954 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Loan Review Complete 03/26/2026 Resolved FPRO8998 Property No Property Findings Property and valuations related findings were not identified on the loan.     Informational Only 03/27/2026 Original CLTV is Below the Guideline Maximum - Calculated CLTV of 48.72% is less than Guideline CLTV of 75% 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 48.72% is less than Guideline LTV of 75% 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
4000118954 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Loan Review Complete 03/27/2026 Resolved FCRE8999 Credit No Credit Findings The loan meets all applicable credit guidelines.     Informational Only 03/27/2026 Original CLTV is Below the Guideline Maximum - Calculated CLTV of 48.72% is less than Guideline CLTV of 75% 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 48.72% is less than Guideline LTV of 75% 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
4000120693 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Loan Review Complete 03/26/2026 Resolved FCRE7497 Credit Missing verification of taxes, insurance, and/or HOA fees for non-subject property MISSING MORTGAGE Statement for second mortgage on primary property Document Uploaded. Hey. heloc is listed on upld credit report. thank you 3/30/2026 Second mortgage payment verified upon receipt of credit report. Condition cleared. 03/31/2026 Original CLTV is Below the Guideline Maximum - Calculated CLTV of 50.4% is less than Guideline CLTV of 80% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Borrower has stable job time - Borrower has XXX years on job. Original LTV is Below the Guideline Maximum - Calculated LTV of 50.4% 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
4000120693 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Loan Review Complete 03/26/2026 Resolved FCRE1197 Credit Audited FICO is less than Guideline FICO Audited FICO of is less than Guideline FICO of XXX Please provide credit report for additional review Document Uploaded. 3/30/2026 Audited FICO of XXX is greater than or equal to Guideline FICO of XXX 03/31/2026 Original CLTV is Below the Guideline Maximum - Calculated CLTV of 50.4% is less than Guideline CLTV of 80% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Borrower has stable job time - Borrower has XXX years on job. Original LTV is Below the Guideline Maximum - Calculated LTV of 50.4% is less than Guideline LTV of 80% 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
4000120693 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Loan Review Complete 03/26/2026 Resolved FCRE5770 Credit Borrower 1 Credit Report is Missing Borrower 1 Credit Report is Missing. Please provide credit report for additional review Document Uploaded. 3/30/2026 Borrower 1 Credit Report is not missing. 03/31/2026 Original CLTV is Below the Guideline Maximum - Calculated CLTV of 50.4% is less than Guideline CLTV of 80% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Borrower has stable job time - Borrower has XXX years on job. Original LTV is Below the Guideline Maximum - Calculated LTV of 50.4% 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
4000120693 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Loan Review Complete 03/26/2026 Resolved FPRO8998 Property No Property Findings Property and valuations related findings were not identified on the loan.     Informational Only 03/27/2026 Original CLTV is Below the Guideline Maximum - Calculated CLTV of 50.4% is less than Guideline CLTV of 80% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Borrower has stable job time - Borrower has XXX years on job. Original LTV is Below the Guideline Maximum - Calculated LTV of 50.4% 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
4000120693 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Loan Review Complete 03/25/2026 Resolved FCOM8997 Compliance No Compliance Findings The loan is in compliance with all applicable laws and regulations.     Informational Only 03/27/2026 Original CLTV is Below the Guideline Maximum - Calculated CLTV of 50.4% is less than Guideline CLTV of 80% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Borrower has stable job time - Borrower has XXX years on job. Original LTV is Below the Guideline Maximum - Calculated LTV of 50.4% 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
4000119181 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 03/26/2026 Acknowledged FCRE1248 Credit Purchase is not considered to be an Arm's Length Transaction Purchase is not considered to be an Arm's Length Transaction Buyer is related to her broker, who contributed XXX to the transaction in the form of XXX credit. Document Uploaded. Uploaded CRSE with exception. 4/8/2026 Lender exception for non-arms length transaction approved by investor on XX/XX/XXXX. 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 D B C B D B A A A A D D A A D D A A D D A A D D A A D D A A B B A A B B A A B B A A B B A A B B A A
4000119181 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 03/26/2026 Resolved FCRE5770 Credit Borrower 1 Credit Report is Missing Borrower 1 Credit Report is Missing. Borrower 1 Credit Report is Missing. Document Uploaded. 4/3/2026 Borrower 1 Credit Report is not missing. 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 D B D A D B A A A A D D A A D D A A D D A A D D A A D D A A B B A A B B A A B B A A B B A A B B A A
4000119181 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 03/25/2026 Resolved FCOM8997 Compliance No Compliance Findings The loan is in compliance with all applicable laws and regulations.     Informational Only 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 B A A D B A A A A D D A A D D A A D D A A D D A A D D A A B B A A B B A A B B A A B B A A B B A A
4000119181 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 03/26/2026 Resolved FPRO8998 Property No Property Findings Property and valuations related findings were not identified on the loan.     Informational Only 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 B A A D B A A A A D D A A D D A A D D A A D D A A D D A A B B A A B B A A B B A A B B A A B B A A
4000119743 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Loan Review Complete 03/26/2026 Resolved FCRE5770 Credit Borrower 1 Credit Report is Missing Borrower 1 Credit Report is Missing. Please provide all credit reports for review. Document Uploaded. 4/2/2026 Borrower 1 Credit Report is not missing. 04/03/2026 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
4000119743 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Loan Review Complete 03/27/2026 Resolved FCRE1183 Credit Approval/Underwriting Summary Partially Provided Approval/Underwriting Summary Partially Provided. P&I payment on the XXX is incorrect per guidelines. XX/XX/XXXX XXX qualified at Note Rate. Please provide an updated XXX Document Uploaded. 4/2/2026 Approval/Underwriting Summary is fully present; Material 04/03/2026 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 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
4000119743 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Loan Review Complete 03/26/2026 Resolved FPRO8998 Property No Property Findings Property and valuations related findings were not identified on the loan.     Informational Only 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. 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
4000119743 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Loan Review Complete 03/26/2026 Resolved FCOM8997 Compliance No Compliance Findings The loan is in compliance with all applicable laws and regulations.     Informational Only 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. 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
4000110819 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Loan Review Complete 01/19/2026 Resolved FCOM8997 Compliance No Compliance Findings The loan is in compliance with all applicable laws and regulations.     Informational. 01/21/2026   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
4000110819 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Loan Review Complete 01/20/2026 Resolved FCRE8999 Credit No Credit Findings The loan meets all applicable credit guidelines.     Informational. 01/21/2026   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
4000110819 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Loan Review Complete 01/20/2026 Resolved FPRO8998 Property No Property Findings Property and valuations related findings were not identified on the loan.     Informational. 01/21/2026   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
4000118647 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 02/26/2026 Resolved FCOM1231 Credit The Initial 1003 is Missing The Initial 1003 is Missing This is a DSCR loan, Initial 1003 is not required 3/2/2026 The Initial 1003 is Present 03/03/2026   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
4000118647 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 03/02/2026 Resolved FCOM8997 Compliance No Compliance Findings The loan is in compliance with all applicable laws and regulations.       03/02/2026   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
4000118647 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 02/26/2026 Resolved FPRO8998 Property No Property Findings Property and valuations related findings were not identified on the loan.     Informational 02/27/2026   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
4000104326 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Loan Review Complete 12/02/2025 Resolved FCOM8997 Compliance No Compliance Findings The loan is in compliance with all applicable laws and regulations.     Informational 12/07/2025 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 70% 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 70% 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
4000104326 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Loan Review Complete 12/03/2025 Resolved FCRE8999 Credit No Credit Findings The loan meets all applicable credit guidelines.     Informational 12/07/2025 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 70% 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 70% 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
4000104326 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Loan Review Complete 12/03/2025 Resolved FPRO8998 Property No Property Findings Property and valuations related findings were not identified on the loan.     Informational 12/07/2025 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 70% 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 70% 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
4000106307 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Loan Review Complete 12/04/2025 Resolved FCOM5135 Compliance Missing Required Affiliated Business Disclosure Required Affiliated Business Disclosure Missing Documentation required to clear exception: Please provide Affiliated Business Disclosure within XXX days of XXX XX/XX/XXXX or provide confirmation the lender has no affiliates. Document Uploaded. 12/10/2025 Required Affiliated Business Disclosure Documentation Provided 12/16/2025 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 B A A A C A C A C A C C C A C C C A C C C A C C C A C C A A A A A A A A A A A A A A A A A A A A
4000106307 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Loan Review Complete 12/08/2025 Resolved FPRO9990 Property Third Party Valuation Product Not Provided within 10% Tolerance Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Only Desk Review provided. Document Uploaded. ; Document Uploaded. 12/15/2025 Third party valuation product provided within tolerance.; Client provided appraisal not TPV as instructed. Countered. 12/16/2025 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 C A C A C A C C C A C C C A C C C A C C C A C C A A A A A A A A A A A A A A A A A A A A
4000106307 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Loan Review Complete 12/04/2025 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. Document Uploaded. 12/10/2025 Evidence of appraisal delivery provided. 12/16/2025 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 B A A A C A C A C A C C C A C C C A C C C A C C C A C C A A A A A A A A A A A A A A A A A A A A
4000106307 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Loan Review Complete 12/04/2025 Resolved finding-3352 Compliance Higher-Priced Mortgage Loan Test Unable to downgrade HPML exception. The appraisal delivery and appraisal are missing. This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. Document Uploaded. 12/10/2025 Evidence of appraisal delivery to borrower received. HPML is now compliant. Escrow and appraisal requirements met. 12/10/2025 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 C A C A C A C C C A C C C A C C C A C C C A C C A A A A A A A A A A A A A A A A A A A A
4000106307 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Loan Review Complete 12/08/2025 Resolved FCRE8999 Credit No Credit Findings The loan meets all applicable credit guidelines.     Informational 12/08/2025 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 C A C A C A C C C A C C C A C C C A C C C A C C A A A A A A A A A A A A A A A A A A A A
4000103181 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Loan Review Complete 12/05/2025 Resolved FCOM9186 Compliance eSigned Documents Consent is Missing The signed consent disclosure is missing. The signed documents consent is missing. Nothing in file to reflect the initial e-signature dated on or before XX/XX/XXXX. Document Uploaded. 12/11/2025 Evidence of eConsent is provided.; E-consent received 12/12/2025 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 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
4000103181 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Loan Review Complete 12/05/2025 Resolved FCRE8999 Credit No Credit Findings The loan meets all applicable credit guidelines.     Informational 12/10/2025 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 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
4000103181 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Loan Review Complete 12/05/2025 Resolved FPRO8998 Property No Property Findings Property and valuations related findings were not identified on the loan.     Informational 12/10/2025 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 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
4000106305 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Loan Review Complete 12/16/2025 Resolved FCOM9186 Compliance eSigned Documents Consent is Missing The signed consent disclosure is missing. Documentation required. 1st e-signed document in the file is dated XX/XX/XXXX, however missing proof of e-consent dated XX/XX/XXXX or before. Document Uploaded. 12/19/2025 Evidence of eConsent is provided. 12/22/2025 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. 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
4000106305 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Loan Review Complete 12/17/2025 Resolved FPRO8998 Property No Property Findings Property and valuations related findings were not identified on the loan.     Informational 12/18/2025 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. 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
4000106305 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Loan Review Complete 12/18/2025 Resolved FCRE8999 Credit No Credit Findings The loan meets all applicable credit guidelines.     Informational 12/18/2025 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. 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
4000108058 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Loan Review Complete 12/29/2025 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's First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or "In Person" and the initial closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orthel initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction The 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. Provide Initial CD and proof of delivery at least XXX days prior to consummation. TRID review to be completed upon receipt. Document Uploaded. Cd was issued and signed XX/XX/XXXX via electronic signature and docs were signed XX/XX/XXXX 1/5/2026 Initial CD and receipt date provided; Exception resolved; Initial CD and receipt date provided; Exception resolved 01/06/2026 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 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
4000108058 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Loan Review Complete 12/31/2025 Resolved FCRE8999 Credit No Credit Findings The loan meets all applicable credit guidelines.     Informational 12/31/2025 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 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
4000108058 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Loan Review Complete 12/31/2025 Resolved FPRO8998 Property No Property Findings Property and valuations related findings were not identified on the loan.     Informational 12/31/2025 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 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
4000108057 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Loan Review Complete 01/02/2026 Resolved FCOM8997 Compliance No Compliance Findings The loan is in compliance with all applicable laws and regulations.     Informational 01/06/2026 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
4000108057 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Loan Review Complete 01/05/2026 Resolved FCRE8999 Credit No Credit Findings The loan meets all applicable credit guidelines.     Informational 01/06/2026 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
4000108057 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Loan Review Complete 01/05/2026 Resolved FPRO8998 Property No Property Findings Property and valuations related findings were not identified on the loan.     Informational 01/06/2026 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
4000108063 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Loan Review Complete 01/08/2026 Resolved FCOM5135 Compliance Missing Required Affiliated Business Disclosure Required Affiliated Business Disclosure Missing Documentation required to clear exception: Please provide Affiliated Business Disclosure within XXX days of XXX XX/XX/XXXX or provide confirmation the lender has no affiliates. Document Uploaded. 1/14/2026 Required Affiliated Business Disclosure Documentation Provided 01/15/2026 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% 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
4000108063 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Loan Review Complete 01/08/2026 Resolved FCOM1266 Compliance Homeownership Counseling Disclosure Is Missing Homeownership Counseling Disclosure Is Missing Documentation required to clear exception: Homeownership Counseling Disclosure Missing Document Uploaded. 1/14/2026 Homeownership Counseling Disclosure Is Present or XXX 01/15/2026 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% 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
4000108063 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Loan Review Complete 01/08/2026 Resolved FPRO8998 Property No Property Findings Property and valuations related findings were not identified on the loan.     Informational 01/09/2026 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% 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
4000108063 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Loan Review Complete 01/08/2026 Resolved FCRE8999 Credit No Credit Findings The loan meets all applicable credit guidelines.     Informational 01/09/2026 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% 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
4000108050 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Loan Review Complete 01/13/2026 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. An 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 loan discount points. A COC is required to determine if this was a valid change. Document Uploaded. ; Document Uploaded. 2/26/2026 Valid COC provided; exception resolved; Valid COC provided; exception resolved; The documentation provided shows the borrower received(reviewed) the initial CD on XX/XX/XXXX, however since this is not considered a business day the borrower did not receive the initial CD at least XXX days prior to consummation 02/27/2026 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 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
4000108050 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Loan Review Complete 01/14/2026 Resolved FCRE1193 Credit Audited DTI Exceeds Guideline DTI Audited DTI of XXX% exceeds Guideline DTI of XXX% Provide documentation to support monthly property tax payment of $XXX. Supporting documentation reflect annual taxes $XX/XX/XXXX= monthly payment of XXX causing DTI to increase over maximum limit of XXX% to XXX%. Document Uploaded. ; Document Uploaded. 2/26/2026 Audited DTI of XXX% is less than or equal to Guideline DTI of XXX%; Client provided letter of explanation as well as applicable evidence. ; Document provided does not resolve DTI condition. 02/27/2026 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 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
4000108050 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Loan Review Complete 01/13/2026 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's First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or "In Person" and the initial closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orthel initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction The 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. There's no evidence of receipt for the initial CD issued XX/XX/XXXX in the loan file XXX business days prior to consummation dated XX/XX/XXXX. Document Uploaded. 1/26/2026 Client provided proof of Initial CD delivery on XX/XX/XXXX. Exception resolved.; Client provided proof of Initial CD delivery on XX/XX/XXXX. Exception resolved.; The documentation provided shows the borrower received(reviewed) the initial CD on XX/XX/XXXX, however since this is not considered a business day the borrower did not receive the initial CD at least XXX days prior to consummation 02/20/2026 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. 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
4000108050 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Loan Review Complete 01/14/2026 Resolved FPRO8998 Property No Property Findings Property and valuations related findings were not identified on the loan.     Informational 01/14/2026 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 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
4000106312 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Loan Review Complete 01/14/2026 Resolved FCOM9186 Compliance eSigned Documents Consent is Missing The signed consent disclosure is missing. Provide the e-consent dated on or prior to the earliest electronic signature XX/XX/XXXX Document Uploaded. 1/19/2026 Evidence of eConsent is provided. 01/19/2026 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 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
4000106312 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Loan Review Complete 01/14/2026 Resolved FPRO8998 Property No Property Findings Property and valuations related findings were not identified on the loan.     Informational 01/15/2026 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 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
4000106312 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Loan Review Complete 01/15/2026 Resolved FCRE8999 Credit No Credit Findings The loan meets all applicable credit guidelines.     Informational 01/15/2026 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 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
4000108070 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Loan Review Complete 01/19/2026 Resolved FCOM5135 Compliance Missing Required Affiliated Business Disclosure Required Affiliated Business Disclosure Missing Documentation required to clear exception: Please provide Affiliated Business Disclosure within XXX days of XXX XX/XX/XXXX or provide confirmation the lender has no affiliates. Document Uploaded. 1/21/2026 Required Affiliated Business Disclosure Documentation Provided 01/23/2026 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 Original LTV is Below the Guideline Maximum - Calculated LTV of 51.85% is less than Guideline LTV of 80% Original CLTV is Below the Guideline Maximum - Calculated CLTV of 51.85% 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
4000108070 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Loan Review Complete 01/19/2026 Resolved FCRE8999 Credit No Credit Findings The loan meets all applicable credit guidelines.     Informational 01/20/2026 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 Original LTV is Below the Guideline Maximum - Calculated LTV of 51.85% is less than Guideline LTV of 80% Original CLTV is Below the Guideline Maximum - Calculated CLTV of 51.85% 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
4000108070 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Loan Review Complete 01/19/2026 Resolved FPRO8998 Property No Property Findings Property and valuations related findings were not identified on the loan.     Informational 01/20/2026 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 Original LTV is Below the Guideline Maximum - Calculated LTV of 51.85% is less than Guideline LTV of 80% Original CLTV is Below the Guideline Maximum - Calculated CLTV of 51.85% 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
4000111385 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Loan Review Complete 02/04/2026 Resolved FCOM5135 Compliance Missing Required Affiliated Business Disclosure Required Affiliated Business Disclosure Missing Document Uploaded. 2/9/2026 Required Affiliated Business Disclosure Documentation Provided 02/10/2026 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 65% is less than Guideline CLTV of 80% Original LTV is Below the Guideline Maximum - Calculated LTV of 65% 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
4000111385 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Loan Review Complete 02/02/2026 Resolved FPRO8998 Property No Property Findings Property and valuations related findings were not identified on the loan.     Informational 02/04/2026 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 65% is less than Guideline CLTV of 80% Original LTV is Below the Guideline Maximum - Calculated LTV of 65% 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
4000111385 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Loan Review Complete 02/02/2026 Resolved FCRE8999 Credit No Credit Findings The loan meets all applicable credit guidelines.     Informational 02/04/2026 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 65% is less than Guideline CLTV of 80% Original LTV is Below the Guideline Maximum - Calculated LTV of 65% 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
4000111385 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Loan Review Complete 02/02/2026 Resolved finding-3352 Compliance Higher-Priced Mortgage Loan Test Compliant HPML. This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML - copy of appraisal was provided to borrower, taxes and insurance were escrowed.     Compliant HPML 02/04/2026 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 65% is less than Guideline CLTV of 80% Original LTV is Below the Guideline Maximum - Calculated LTV of 65% 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
4000113964 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Loan Review Complete 02/04/2026 Resolved FCRE8999 Credit No Credit Findings The loan meets all applicable credit guidelines.     Informational 02/05/2026 Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% Borrower has stable job time - Borrower has XXX years on job. A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
4000113964 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Loan Review Complete 02/04/2026 Resolved FPRO8998 Property No Property Findings Property and valuations related findings were not identified on the loan.     Informational 02/05/2026 Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% Borrower has stable job time - Borrower has XXX years on job. A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
4000113964 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Loan Review Complete 02/05/2026 Resolved FCOM8997 Compliance No Compliance Findings The loan is in compliance with all applicable laws and regulations.     Informational 02/05/2026 Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% Borrower has stable job time - Borrower has XXX years on job. A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
4000111393 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Loan Review Complete 02/06/2026 Resolved FPRO9990 Property Third Party Valuation Product Not Provided within 10% Tolerance Third Party Valuation Product Not Provided or Not Provided Within Tolerance. FNMA UCDP with CU score of XX/XX/XXXX or < is missing Document Uploaded. 3/6/2026 Third party valuation product provided within tolerance.; Client provided FNMA SSR. LM Updated.; Third Party Valuation Product Not Provided or Not Provided Within Tolerance. FNMA UCDP with CU score of XX/XX/XXXX or < is missing 03/09/2026 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. D A C A D A C A A A D D C A D D C A D D C A D D C A D D C A A A A A A A A A A A A A A A A A A A A A
4000111393 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Loan Review Complete 02/06/2026 Resolved FCRE3653 Credit Missing letter of explanation LOE requesting updated qualification of subject residency to align with loan approval and/or documents: XXX Loan approval and Lender approval reflects subject is a Second Home Refinance; Deed also includes a Second Home Rider; NQM Lock reflects a Primary transaction Document Uploaded. 3/6/2026 Client provided updated Rate Lock Confirmation reflecting 2nd Home. LM Updated. 03/09/2026 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. D A D A D A C A A A D D C A D D C A D D C A D D C A D D C A A A A A A A A A A A A A A A A A A A A A
4000111393 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Loan Review Complete 02/06/2026 Resolved FCOM8997 Compliance No Compliance Findings The loan is in compliance with all applicable laws and regulations.     HPML compliant; Informational 02/06/2026 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 C A A A D D C A D D C A D D C A D D C A D D C A A A A A A A A A A A A A A A A A A A A A
4000113968 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Loan Review Complete 02/16/2026 Resolved FCOM8997 Compliance No Compliance Findings The loan is in compliance with all applicable laws and regulations.     Informational 02/17/2026 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 60% is less than Guideline CLTV of 90% Original LTV is Below the Guideline Maximum - Calculated LTV of 60% 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 A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
4000113968 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Loan Review Complete 02/16/2026 Resolved FCRE8999 Credit No Credit Findings The loan meets all applicable credit guidelines.     Informational 02/17/2026 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 60% is less than Guideline CLTV of 90% Original LTV is Below the Guideline Maximum - Calculated LTV of 60% 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 A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
4000113968 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors 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 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 60% is less than Guideline CLTV of 90% Original LTV is Below the Guideline Maximum - Calculated LTV of 60% 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 A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
4000113969 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Loan Review Complete 02/13/2026 Resolved FCOM1262 Compliance Right of Rescission is Missing Right of Rescission is Missing Documentation required to clear exception: Provide executed Right of Rescission for all borrowers and non-borrowers. Document Uploaded. 2/19/2026 Right of Rescission is Provided 02/27/2026 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 47.62% is less than Guideline CLTV of 65% Original LTV is Below the Guideline Maximum - Calculated LTV of 47.62% is less than Guideline LTV of 65% Borrower has stable job time - Borrower has XXX years on job. D A D A A A C A D A D A C D D A C D D A C D D A C D D A C D A A A A A A A A A A A A A A A A A A A A
4000113969 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Loan Review Complete 02/27/2026 Resolved FPRO9990 Property Third Party Valuation Product Not Provided within 10% Tolerance Third Party Valuation Product Not Provided within XXX% Tolerance     Secondary valuation product within the XXX% tolerance provided, exception resolved. 02/27/2026 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 47.62% is less than Guideline CLTV of 65% Original LTV is Below the Guideline Maximum - Calculated LTV of 47.62% is less than Guideline LTV of 65% Borrower has stable job time - Borrower has XXX years on job. D A C A A A C A D A D A C D D A C D D A C D D A C D D A C D A A A A A A A A A A A A A A A A A A A A
4000113969 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Loan Review Complete 02/16/2026 Resolved FCRE8999 Credit No Credit Findings The loan meets all applicable credit guidelines.     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% Original CLTV is Below the Guideline Maximum - Calculated CLTV of 47.62% is less than Guideline CLTV of 65% Original LTV is Below the Guideline Maximum - Calculated LTV of 47.62% is less than Guideline LTV of 65% Borrower has stable job time - Borrower has XXX years on job. D A A A A A C A D A D A C D D A C D D A C D D A C D D A C D A A A A A A A A A A A A A A A A A A A A
4000113963 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 02/13/2026 Resolved FCOM8997 Compliance No Compliance Findings The loan is in compliance with all applicable laws and regulations.     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% A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
4000113963 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt 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% A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
4000113963 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 02/16/2026 Resolved FCRE8999 Credit No Credit Findings The loan meets all applicable credit guidelines.     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% A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
4000113058 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Loan Review Complete 02/17/2026 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. Document Uploaded. 2/26/2026 Required Affiliated Business Disclosure Documentation Provided 02/26/2026 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 B B B A B B A A B A B B A B B B A B B B A B B B A B B B A B B B A A B B A A B B A A B B A A B B A A
4000113058 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Loan Review Complete 02/17/2026 Resolved FPRO8998 Property No Property Findings Property and valuations related findings were not identified on the loan.     Informational 02/18/2026 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 B B A A B B A A B A B B A B B B A B B B A B B B A B B B A B B B A A B B A A B B A A B B A A B B A A
4000113058 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Loan Review Complete 02/17/2026 Acknowledged FCRE1199 Credit Audited Loan Amount is greater than Guideline Maximum Loan Amount Audited Loan Amount of XXX is greater than the Guideline Maximum Loan Amount of XXX Exception request: Accepting loan amount of XXX to meet maximum loan amount vs XXX per guidelines, dates XX/XX/XXXX, for XXX. Compensating factors: XXX greater than program requirement, DTI greater than XXX% below program requirement, FICO above the minimum by XXX points or higher, and credit profile suggests the Borrowers are qualified to XXX maintain a mortgage without lates as Borrowers have been living on their multi-million dollar yacht for the past few years. Approved.         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 B B B B B B A A B A B B A B B B A B B B A B B B A B B B A B B B A A B B A A B B A A B B A A B B A A
4000113967 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Loan Review Complete 02/19/2026 Resolved FCRE7497 Credit Missing verification of taxes, insurance, and/or HOA fees for non-subject property The file does not contain a copy of a HOA Statement or a letter of no HOA for the property located at XXX Document Uploaded. 3/9/2026 Email chain with evidence of HOA. 03/10/2026 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 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
4000113967 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Loan Review Complete 02/19/2026 Resolved FCRE1182 Credit Approval/Underwriting Summary Not Provided Missing Approval/Underwriting Summary. The file does not contain a copy of the final loan approval or XXX Document Uploaded. 3/5/2026 Approval/Underwriting Summary is fully present; XXX provided. 03/09/2026 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 D A B 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
4000113967 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Loan Review Complete 02/19/2026 Resolved FCOM8997 Compliance No Compliance Findings The loan is in compliance with all applicable laws and regulations.     Informational 02/20/2026 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 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
4000113967 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Loan Review Complete 02/19/2026 Resolved FPRO8998 Property No Property Findings Property and valuations related findings were not identified on the loan.     Informational 02/20/2026 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 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
4000113959 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Loan Review Complete 02/23/2026 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's First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or "In Person" and the initial closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orthel initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction The 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: The initial CD issued XX/XX/XXXX is missing from the loan file. The earliest CD in the loan file was issued on XX/XX/XXXX and signed at consummation. The violation can be cured by providing the initial CD as well as evidence showing that is was received by the consumer XXX business days prior to consummation on XX/XX/XXXX. Document Uploaded. 2/25/2026 Initial CD provided; exception resolved; Initial CD provided; exception resolved 02/25/2026 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 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
4000113959 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Loan Review Complete 02/20/2026 Resolved FCRE8999 Credit No Credit Findings The loan meets all applicable credit guidelines.     Informational 02/23/2026 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 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
4000113959 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Loan Review Complete 02/20/2026 Resolved FPRO8998 Property No Property Findings Property and valuations related findings were not identified on the loan.     Informational 02/23/2026 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 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
4000113957 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Loan Review Complete 02/25/2026 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 Per the XXX the appraisal is completed Subject to Removal of the stove from the garage and gas-line to be capped. The file does not contain a 1004D verifying that this has been corrected. Document Uploaded. 3/4/2026 Primary Value Subject Property Appraisal is completed on an As-Is Basis or XXX; 1004D in file. 03/04/2026 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% C A C A A A C A B A C A C B C A C B C A C B C A C B C A C B A A A A A A A A A A A A A A A A A A A A
4000113957 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Loan Review Complete 02/26/2026 Resolved FCOM9186 Compliance eSigned Documents Consent is Missing The signed consent disclosure is missing. The signed documents consent is missing. Document Uploaded. 2/27/2026 Evidence of eConsent is provided. 03/02/2026 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% C A B A A A C A B A C A C B C A C B C A C B C A C B C A C B A A A A A A A A A A A A A A A A A A A A
4000113957 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Loan Review Complete 02/25/2026 Resolved FCRE8999 Credit No Credit Findings The loan meets all applicable credit guidelines.     Informational 02/26/2026 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% C A A A A A C A B A C A C B C A C B C A C B C A C B C A C B A A A A A A A A A A A A A A A A A A A A
4000113956 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 02/26/2026 Resolved FCRE8999 Credit No Credit Findings The loan meets all applicable credit guidelines.     Informational 02/26/2026 Original LTV is Below the Guideline Maximum - Calculated LTV of 75% is less than Guideline LTV of 85% Original CLTV is Below the Guideline Maximum - Calculated CLTV of 75% is less than Guideline CLTV of 85% 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
4000113956 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 02/26/2026 Resolved FPRO8998 Property No Property Findings Property and valuations related findings were not identified on the loan.     Informational 02/26/2026 Original LTV is Below the Guideline Maximum - Calculated LTV of 75% is less than Guideline LTV of 85% Original CLTV is Below the Guideline Maximum - Calculated CLTV of 75% is less than Guideline CLTV of 85% 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
4000113956 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 02/26/2026 Resolved FCOM8997 Compliance No Compliance Findings The loan is in compliance with all applicable laws and regulations.     Informational 02/26/2026 Original LTV is Below the Guideline Maximum - Calculated LTV of 75% is less than Guideline LTV of 85% Original CLTV is Below the Guideline Maximum - Calculated CLTV of 75% is less than Guideline CLTV of 85% 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
4000113965 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Loan Review Complete 02/28/2026 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. An 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 of the discount points from XXX to XXX on the CD dated XX/XX/XXXX without valid COC. Document Uploaded. 3/6/2026 Valid COC provided; exception resolved; Valid COC provided; exception resolved 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. 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
4000113965 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors 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. 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
4000113965 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors 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. 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
4000119160 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Loan Review Complete 03/06/2026 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: The consumer acknowledged the XXX day delivery timing waiver, but there is no evidence a copy of the report was provided at consummation. Provide evidence confirming a copy of the appraisal was provided to the consumer at consummation to confirm timing requirements were met. Document Uploaded. 3/11/2026 Evidence of appraisal delivery provided. 03/12/2026 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. 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
4000119160 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Loan Review Complete 03/09/2026 Resolved FPRO8998 Property No Property Findings Property and valuations related findings were not identified on the loan.     Informational 03/09/2026 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. 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
4000119160 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Loan Review Complete 03/09/2026 Resolved FCRE8999 Credit No Credit Findings The loan meets all applicable credit guidelines.     Informational 03/09/2026 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. 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
4000119184 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Loan Review Complete 03/06/2026 Resolved FCOM8997 Compliance No Compliance Findings The loan is in compliance with all applicable laws and regulations.     Informational 03/09/2026 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
4000119184 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Loan Review Complete 03/06/2026 Resolved FCRE8999 Credit No Credit Findings The loan meets all applicable credit guidelines.     Informational 03/09/2026 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
4000119184 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Loan Review Complete 03/06/2026 Resolved FPRO8998 Property No Property Findings Property and valuations related findings were not identified on the loan.     Informational 03/09/2026 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
4000120754 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Loan Review Complete 03/09/2026 Resolved FCRE8999 Credit No Credit Findings The loan meets all applicable credit guidelines.     Informational 03/10/2026 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 70% is less than Guideline CLTV of 80% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Borrower has stable job time - Borrower has XXX years on job. Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 80% A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
4000120754 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Loan Review Complete 03/09/2026 Resolved FPRO8998 Property No Property Findings Property and valuations related findings were not identified on the loan.     Informational 03/10/2026 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 70% is less than Guideline CLTV of 80% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Borrower has stable job time - Borrower has XXX years on job. Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 80% A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
4000120754 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Loan Review Complete 03/10/2026 Resolved FCOM8997 Compliance No Compliance Findings The loan is in compliance with all applicable laws and regulations.     Informational 03/10/2026 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 70% is less than Guideline CLTV of 80% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Borrower has stable job time - Borrower has XXX years on job. Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 80% A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
4000118567 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Loan Review Complete 03/10/2026 Resolved finding-3352 Compliance Higher-Priced Mortgage Loan Test Compliant HPML. This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. Borrower received a copy of the appraisal, taxes and insurance were escrowed.     Compliant HPML 03/11/2026 Borrower has stable job time - Borrower has XXX years on job. Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
4000118567 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Loan Review Complete 03/11/2026 Resolved FCRE8999 Credit No Credit Findings The loan meets all applicable credit guidelines.     Informational 03/11/2026 Borrower has stable job time - Borrower has XXX years on job. Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
4000118567 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Loan Review Complete 03/11/2026 Resolved FPRO8998 Property No Property Findings Property and valuations related findings were not identified on the loan.     Informational 03/11/2026 Borrower has stable job time - Borrower has XXX years on job. Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
4000117481 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Loan Review Complete 03/12/2026 Resolved FCOM8997 Compliance No Compliance Findings The loan is in compliance with all applicable laws and regulations.     Informational 03/14/2026 Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Borrower has stable job time - Borrower has XXX years on job. A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
4000117481 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Loan Review Complete 03/13/2026 Resolved FCRE8999 Credit No Credit Findings The loan meets all applicable credit guidelines.     Informational 03/14/2026 Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Borrower has stable job time - Borrower has XXX years on job. A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
4000117481 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Loan Review Complete 03/13/2026 Resolved FPRO8998 Property No Property Findings Property and valuations related findings were not identified on the loan.     Informational 03/14/2026 Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Borrower has stable job time - Borrower has XXX years on job. A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
4000113962 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors 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. An 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 discount fee. Document Uploaded. 3/17/2026 Valid COC with applicable CD provided; exception resolved; Valid COC with applicable CD provided; exception resolved 03/17/2026 Original CLTV is Below the Guideline Maximum - Calculated CLTV of 41.56% 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. Original LTV is Below the Guideline Maximum - Calculated LTV of 41.56% is less than Guideline LTV 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
4000113962 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Loan Review Complete 03/12/2026 Resolved FCRE8999 Credit No Credit Findings The loan meets all applicable credit guidelines.     Informational 03/14/2026 Original CLTV is Below the Guideline Maximum - Calculated CLTV of 41.56% 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. Original LTV is Below the Guideline Maximum - Calculated LTV of 41.56% is less than Guideline LTV 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
4000113962 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Loan Review Complete 03/12/2026 Resolved FPRO8998 Property No Property Findings Property and valuations related findings were not identified on the loan.     Informational 03/14/2026 Original CLTV is Below the Guideline Maximum - Calculated CLTV of 41.56% 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. Original LTV is Below the Guideline Maximum - Calculated LTV of 41.56% is less than Guideline LTV 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
4000118572 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Loan Review Complete 03/13/2026 Resolved FCOM9186 Compliance eSigned Documents Consent is Missing The signed consent disclosure is missing. The signed documents consent is missing. Provide consent dated on or before XX/XX/XXXX. Document Uploaded. 3/16/2026 Evidence of eConsent is provided. 03/17/2026 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 Borrower has stable job time - Borrower has XXX years on job. Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% 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
4000118572 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Loan Review Complete 03/12/2026 Resolved FCRE8999 Credit No Credit Findings The loan meets all applicable credit guidelines.     Informational 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 80% is less than Guideline LTV of 90% Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% 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
4000118572 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Loan Review Complete 03/12/2026 Resolved FPRO8998 Property No Property Findings Property and valuations related findings were not identified on the loan.     Informational 03/14/2026 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 80% is less than Guideline LTV of 90% Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% 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
4000111391 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Loan Review Complete 03/16/2026 Resolved FCOM1266 Compliance Homeownership Counseling Disclosure Is Missing Homeownership Counseling Disclosure Is Missing Documentation required to clear exception: Provide homeownership counseling disclosure that was provided to the consumer within XXX-business days of application, XX/XX/XXXX. Document Uploaded. 3/19/2026 Homeownership Counseling Disclosure provided - exception resolved 03/20/2026 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. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI 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
4000111391 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors 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)). 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. If borrower waived the XXX day timing requirement, provide an executed appraisal waiver and evidence the appraisal was received the day of close. Document Uploaded. 3/19/2026 Evidence of appraisal delivery provided. 03/20/2026 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. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI 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
4000111391 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors 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 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% 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
4000111391 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Loan Review Complete 03/18/2026 Resolved FPRO8998 Property No Property Findings Property and valuations related findings were not identified on the loan.     Informational 03/18/2026 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% 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
4000118566 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Loan Review Complete 03/17/2026 Resolved finding-3532 Compliance Initial Closing Disclosure Delivery Date Test Documentation required to clear exception: The initial CD is missing from the loan file. The earliest CD in the 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. 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's First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or "In Person" and the initial closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orthel initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction The creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(I) no later than three business days before consummation. Document Uploaded. 3/20/2026 Initial CD provided; Exception resolved; Initial CD provided; Exception resolved 03/20/2026 Original CLTV is Below the Guideline Maximum - Calculated CLTV of 56% is less than Guideline CLTV of 70% Original LTV is Below the Guideline Maximum - Calculated LTV of 56% is less than Guideline LTV 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
4000118566 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Loan Review Complete 03/18/2026 Resolved FPRO8998 Property No Property Findings Property and valuations related findings were not identified on the loan.     Informational 03/18/2026 Original CLTV is Below the Guideline Maximum - Calculated CLTV of 56% is less than Guideline CLTV of 70% Original LTV is Below the Guideline Maximum - Calculated LTV of 56% is less than Guideline LTV 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
4000118566 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Loan Review Complete 03/18/2026 Resolved FCRE8999 Credit No Credit Findings The loan meets all applicable credit guidelines.     Informational 03/18/2026 Original CLTV is Below the Guideline Maximum - Calculated CLTV of 56% is less than Guideline CLTV of 70% Original LTV is Below the Guideline Maximum - Calculated LTV of 56% is less than Guideline LTV 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
4000119161 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Loan Review Complete 03/18/2026 Resolved FCRE8999 Credit No Credit Findings The loan meets all applicable credit guidelines.     Informational 03/20/2026 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 67.16% is less than Guideline CLTV of 80% Original LTV is Below the Guideline Maximum - Calculated LTV of 67.16% 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
4000119161 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Loan Review Complete 03/18/2026 Resolved FPRO8998 Property No Property Findings Property and valuations related findings were not identified on the loan.     Informational 03/20/2026 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 67.16% is less than Guideline CLTV of 80% Original LTV is Below the Guideline Maximum - Calculated LTV of 67.16% 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
4000119161 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Loan Review Complete 03/18/2026 Resolved FCOM8997 Compliance No Compliance Findings The loan is in compliance with all applicable laws and regulations.     Informational 03/20/2026 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 67.16% is less than Guideline CLTV of 80% Original LTV is Below the Guideline Maximum - Calculated LTV of 67.16% 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
4000118571 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Loan Review Complete 03/18/2026 Resolved FCOM9186 Compliance eSigned Documents Consent is Missing The signed consent disclosure is missing. The signed documents consent is missing. Provide e-signature dated on or before XX/XX/XXXX. Document Uploaded. 3/23/2026 E consent provided, exception resolved; Evidence of eConsent is provided. 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 61.37% is less than Guideline CLTV of 80% Original LTV is Below the Guideline Maximum - Calculated LTV of 61.37% is less than Guideline LTV of 80% 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 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
4000118571 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Loan Review Complete 03/18/2026 Resolved FPRO8998 Property No Property Findings Property and valuations related findings were not identified on the loan.     Informational 03/20/2026 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 61.37% is less than Guideline CLTV of 80% Original LTV is Below the Guideline Maximum - Calculated LTV of 61.37% is less than Guideline LTV of 80% 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 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
4000118571 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Loan Review Complete 03/19/2026 Resolved FCRE8999 Credit No Credit Findings The loan meets all applicable credit guidelines.     Informational 03/20/2026 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 61.37% is less than Guideline CLTV of 80% Original LTV is Below the Guideline Maximum - Calculated LTV of 61.37% is less than Guideline LTV of 80% 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 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
4000119183 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Loan Review Complete 03/20/2026 Resolved FCRE1241 Credit Purchase Contract is Missing Loan Purpose is Purchase but Purchase Contract Doc is Missing Document Uploaded. 3/23/2026 Purchase Contract Doc is not Missing, or is XXX.; Contract provided 03/24/2026 Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% 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
4000119183 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Loan Review Complete 03/18/2026 Resolved FCRE1157 Credit Hazard Insurance Policy is Missing Missing Hazard Insurance Policy Please provide copy of HOI declaration page for subject property Document Uploaded. 3/23/2026 Hazard Insurance Policy is fully present; Policy provided 03/24/2026 Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% 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
4000119183 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Loan Review Complete 03/18/2026 Resolved FPRO8998 Property No Property Findings Property and valuations related findings were not identified on the loan.     Informational 03/20/2026 Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% 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
4000119183 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Loan Review Complete 03/19/2026 Resolved FCOM8997 Compliance No Compliance Findings The loan is in compliance with all applicable laws and regulations.     Informational 03/20/2026 Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% 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
4000118562 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Loan Review Complete 03/23/2026 Resolved FPRO0951 Property Condo Approval Missing Condo Approval Missing. Missing Condo approval Document Uploaded. 3/26/2026 Condo Approval is provided.; Client provided Condo Attestation form reflecting FNMA XXX Condo Type S-Established. LM Updated. 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 B 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
4000118562 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Loan Review Complete 03/23/2026 Resolved FPRO1500 Property HOA Questionnaire is Missing HOA Questionnaire Missing Document Uploaded. 3/26/2026 HOA Questionnaire Provided; Client provided HOA Questionnaire. LM Updated. 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 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
4000118562 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Loan Review Complete 03/24/2026 Resolved finding-3352 Compliance Higher-Priced Mortgage Loan Test Compliant HPML with established XXX and met appraisal requirements, therefore, downgraded to grade A. This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met.     Compliant HPML 03/25/2026 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 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
4000118562 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Loan Review Complete 03/23/2026 Resolved FCRE8999 Credit No Credit Findings The loan meets all applicable credit guidelines.     Informational 03/25/2026 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 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
4000119213 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 03/31/2026 Resolved FCRE9780 Credit Business Purpose Affidavit/Disclosure Missing Business Purpose Affidavit/Disclosure Missing Affidavit of Occupancy is not signed Document Uploaded. 4/3/2026 Business Purpose Affidavit/Disclosure Provided; Document provided 04/03/2026 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 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
4000119213 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 03/31/2026 Resolved FCOM1223 Credit The Deed of Trust is Not Executed The Deed of Trust is Not Executed Document Uploaded. 4/3/2026 The Deed of Trust is Executed; DOT provided 04/03/2026 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 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
4000119213 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 03/31/2026 Resolved FCOM1207 Compliance The Note is Not Executed The Note is Not Executed Missing final note. Document Uploaded. 4/3/2026 The Note is Executed; Note provided 04/03/2026 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 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
4000119213 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 03/31/2026 Resolved FCOM1232 Credit The Final 1003 is Missing The Final 1003 is Missing Signed 1003 does not have closing date. Document Uploaded. 4/3/2026 The Final 1003 is Present; 1003 provided 04/03/2026 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 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
4000119213 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 03/31/2026 Resolved FPRO8998 Property No Property Findings Property and valuations related findings were not identified on the loan.     Informational 04/01/2026 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 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
6000104921 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Loan Review Complete 12/18/2025 Resolved FCRE5116 Credit Missing VOM or VOR Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. The lender's guidelines require housing payment history to be evidenced by XXX months proof of payment via cancelled checks, bank debits, or institutional VOM. A credit report cannot be used to evidence the housing payment history. The loan file contained mortgage Statements reflecting payments and a payment history for payments XX/XX/XXXX to XX/XX/XXXX; however, these are not sufficent to document the payments per the guidelines. We disagree with the finding. We delivered a credit supplement showing the mortgage lender confirmed the payment history in file which was considered an institutional VOM. 12/23/2025 Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing; Supplement X previous Mortgage verified per automated system date of last payment XX/XX/XXXX, Next due XX/XX/XXXX and No Lates. XXX Mortgage Payment history in file for XXX payments. Cleared. 12/24/2025 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 51.02% is less than Guideline LTV of 90% Original CLTV is Below the Guideline Maximum - Calculated CLTV of 51.02% is less than Guideline CLTV of 90% 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
6000104921 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Loan Review Complete 12/18/2025 Resolved FCRE1470 Credit Asset 4 Missing Asset 4 Missing The Final 1003 reflected Pending net sale proceeds from primary residence of $XXX. The loan file contained an unsigned Seller's Final Closing Statement, dated XX/XX/XXXX with proceeds of $XXX. The loan file also contained a letter from the original lending reflecting the proceeds from the sale of home was transferred to the subject purchase along with an addition deposit in the amount of XXX from personal savings. The post-closing CD reflected a deposit of XXX (not including the XXX earnest money deposit). $XXX-$XXX = XXX left for sale of home. Provide proof this deposit is from the sale of home. We disagree with the finding. The "Sellers Final Settlement Statement" provided in the file confirms the sale of the prior home was marked as a true and correct copy of the original by the closing agent and also shows funds from sale transfer for closing of this loan in the amount of $XXX. 12/23/2025 Asset 4 Provided Or XXX; Seller's Final Closing Statement in file is Certified to be a true and correct copy of the Original. With XXX wired for Escrow. Cleared 12/24/2025 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 51.02% is less than Guideline LTV of 90% Original CLTV is Below the Guideline Maximum - Calculated CLTV of 51.02% is less than Guideline CLTV of 90% 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
6000104921 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Loan Review Complete 12/18/2025 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.     Cleared 12/19/2025 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 51.02% is less than Guideline LTV of 90% Original CLTV is Below the Guideline Maximum - Calculated CLTV of 51.02% is less than Guideline CLTV of 90% 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
6000104921 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Loan Review Complete 12/18/2025 Resolved FCOM8997 Compliance No Compliance Findings The loan is in compliance with all applicable laws and regulations.     Cleared 12/19/2025 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 51.02% is less than Guideline LTV of 90% Original CLTV is Below the Guideline Maximum - Calculated CLTV of 51.02% is less than Guideline CLTV of 90% 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
6000104928 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 12/19/2025 Resolved FCRE5116 Credit Missing VOM or VOR Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. The lender's guidelines require the housing payment history to be evidenced by XXX months proof of payment via cancelled checks, bank debtis, or institutional VOM. A credit report cannot be used to evidence the housing payment history. The loan application relfected the borrower owning the following properties with mortgages: XXX XXX. In addition, the loan file contained an email which reflected the following properties: XXX XXX. It is XXX when these properties closed. The loan file is missing XXX months proof of payment with the required documentation for the the borrower's properties with mortgages. Document Uploaded. See documentation for the additional properties that were concurrent closing, that would not have a payment due at the time of closing. 12/23/2025 Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing 12/24/2025 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
6000104928 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 12/19/2025 Resolved FCOM8997 Compliance No Compliance Findings The loan is in compliance with all applicable laws and regulations.     Cleared 12/22/2025 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
6000104928 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 12/19/2025 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.     Cleared 12/22/2025 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
6000104923 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Loan Review Complete 12/19/2025 Resolved FCRE1254 Credit Property Title Issue Property Title Issue The title reflects XXX mechanics Liens in the amount of XXX and XXX The lien for XXX was paid off on the CD in the amount of XXX which includes XXX lien fees and XXX finance fees. The loan file does not contain any documentation reflecting the XXX lien was removed from the title. Document Uploaded. See attached title.; Document Uploaded. See attached title confirmation the lien was removed from final title. 1/12/2026 Property Title Issue Resolved; Property Title Issue Resolved; Alta Policy with no mechanics lien; Copy of email does not cure condition. Please provide Updated Title reflecting Mechanic's Lien has been removed. Countered. 01/29/2026 Original CLTV is Below the Guideline Maximum - Calculated CLTV of 75% is less than Guideline CLTV of 90% Original LTV is Below the Guideline Maximum - Calculated LTV of 75% is less than Guideline LTV of 90% Borrower has stable job time - Borrower has XXX years on job. D B C 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
6000104923 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Loan Review Complete 12/22/2025 Acknowledged FCOM5135 Compliance Missing Required Affiliated Business Disclosure Required Affiliated Business Disclosure Missing Documentation required to clear exception: Please provide Affiliated Business Disclosure within XXX days of XXX XX/XX/XXXX or provide confirmation the lender has no affiliates.     Accepting 2/B grade. 01/29/2026 Original CLTV is Below the Guideline Maximum - Calculated CLTV of 75% is less than Guideline CLTV of 90% Original LTV is Below the Guideline Maximum - Calculated LTV of 75% is less than Guideline LTV of 90% Borrower has stable job time - Borrower has XXX years on job. D B B 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
6000104923 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Loan Review Complete 12/19/2025 Resolved FCRE6737 Credit Missing Letter of Explanation (Income) The lender's guidelines require a Business Narrative on loan where bank Statements are used to calculate the borrower's income. The Business Narrative is to include details relating to the size/score and operating profile of the business including: Description of Business/Business Profile, Location and Associated Rents, Number of XXX. Document Uploaded. See attached narrative. 1/15/2026 Client provided XXX Business Narrative Form. Cleared. 01/16/2026 Original CLTV is Below the Guideline Maximum - Calculated CLTV of 75% is less than Guideline CLTV of 90% Original LTV is Below the Guideline Maximum - Calculated LTV of 75% is less than Guideline LTV of 90% 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
6000104923 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Loan Review Complete 12/19/2025 Resolved finding-3635 Compliance Charges That In Total Cannot Increase More Than 10% Test This loan failed the charges that in total cannot increase more than XXX% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than XXX% XXX exceed the comparable charges XXX by more than XXX% Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures n estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than XXX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). TILA 130b Cure Required. Refund in the amount of XXX cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The XXX% tolerance violation in the amount of XXX is due to increase from XXX ($XXX x XXX% = $XXX) to XXX for the recording fee increase. COC in file dated XX/XX/XXXX States Recording fee increase due to title company changing which is not a valid reason for the increase. Document Uploaded. See attached final ALTA & PCCD confirming final recording fees.; Document Uploaded. See attached CHC.; Document Uploaded. COC for recording fee 1/13/2026 PCCD with FSS provided showing lower recording fees; exception resolved; PCCD with FSS provided showing lower recording fees; exception resolved; COC provided dated XX/XX/XXXX States Recording fee increase due to title company changing which is not a valid reason for the increase. Cure required; CIC in file and provided dated XX/XX/XXXX States Recording fee increase due to title company changing which is not a valid reason for the increase. 01/13/2026 Original CLTV is Below the Guideline Maximum - Calculated CLTV of 75% is less than Guideline CLTV of 90% Original LTV is Below the Guideline Maximum - Calculated LTV of 75% is less than Guideline LTV of 90% Borrower has stable job time - Borrower has XXX years on job. D B C 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
6000104923 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Loan Review Complete 12/19/2025 Resolved FCRE1964 Credit Missing income documentation The lender's guidelines require rental income to be documented with the following under an alternative income documentation program: Lease agreement and two months cancelled checks to show proof of rental payments. The loan file was missing the 2nd rental check in the amount of XXX for the property located at XXX XXX. The loan file contained one check for XXX which per the letter of explanation included a late fee in the amount of XXX We've calculated income using a XXX monthly loss. Why is this needed?; Document Uploaded. Disagree with finding. The loan file contained an LOX and copy of the XXX rental check. 12/30/2025 XXX monthly rental for one unit is confirmed, XXX rental for 2nd unit did not have 2nd check as required by GL, was requested as the XXX was the listed rental on the 1003. Resolved. ; Property on XXX is a XXX unit. Check and LOX reflect XXX who rents for XX/XX/XXXX per month. The other Unit, rents to XXX, we have one check for XXX which confirms rental payment of XXX plus XXX for late fee as confirmed on the lease. we are missing the 2nd rental payment at XXX for this unit. 12/30/2025 Original CLTV is Below the Guideline Maximum - Calculated CLTV of 75% is less than Guideline CLTV of 90% Original LTV is Below the Guideline Maximum - Calculated LTV of 75% is less than Guideline LTV of 90% 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
6000104923 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Loan Review Complete 12/19/2025 Rescinded FCRE5116 Credit Missing VOM or VOR Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. The lender's guidelines require housing payment history for all REO's, to be documented with the following: XXX months proof of payment via cancelled checks, bank debits, or institutional VOM. A credit report cannot be used to evidence the housing payment history. The borrower has XXX properties: Subject primary home with a monthly mortgage of XXX XXX with a monthly payment of XXX and XXX XXX with a monthly payment of $XXX. The loan file contained XXX months personal bank Statements reflecting the following payments: XX/XX/XXXX XX/XX/XXXX $XXX. The loan file contain an an approved exception for XXX months mortgage Statements for XXX XXX which has a payment of $XXX. That's an incorrect interpretation. The guideline is the credit report cannot be used to confirm the payment history under the premise that the history is based solely on the monthly/quarterly reported data. However, when using credit supplements that specifically confirm the history was directly revalidated with the creditor, that's an institutional VOM and completely different than solely relying on reported data.; We disagree with this finding. The loan file contained credit supplement showing the mortgage lender confirmed the payment history in file which was considered an institutional VOM for the remaining XXX open mortgage accounts. 12/30/2025 Finding made in error, rescinded. Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing; Guidelines for Non QM A+ State that a credit report can not be used to evidence the housing payment history. The supplemental credit report confirms it was the credit report agency that confirmed the details, not the lender. 12/30/2025   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
6000104911 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Loan Review Complete 12/22/2025 Resolved FCRE5116 Credit Missing VOM or VOR Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. The lender's guidelines require housing payment history to be documented by XXX months proof of payment via cancelled checks, bank debits, or institutional VOM. A credit report cannot be used to evidence the housing payment history. The loan file contained the credit history and XXX mortgage Statement to document the payment history. Missing the required documentation per lender guidelines for the XXX months payment history for primary residence. We disagree with the finding. There are XXX months of payments within the XXX XXX XXX Statements. XX/XX/XXXX - XXX XX/XX/XXXX - XXX XX/XX/XXXX - XXX XX/XX/XXXX - XXX XX/XX/XXXX - XXX XX/XX/XXXX - XXX XX/XX/XXXX - XXX XX/XX/XXXX - XXX XX/XX/XXXX - XXX XX/XX/XXXX - XXX XX/XX/XXXX - XXX XX/XX/XXXX - XXX 12/24/2025 Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing; XXX mos payments verified in account #XXX. 12/26/2025 Original LTV is Below the Guideline Maximum - Calculated LTV of 74.58% 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 Original CLTV is Below the Guideline Maximum - Calculated CLTV of 74.58% is less than Guideline CLTV of 90% 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
6000104911 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Loan Review Complete 12/22/2025 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.     Cleared 12/23/2025 Original LTV is Below the Guideline Maximum - Calculated LTV of 74.58% 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 Original CLTV is Below the Guideline Maximum - Calculated CLTV of 74.58% is less than Guideline CLTV of 90% 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
6000104911 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Loan Review Complete 12/23/2025 Resolved FCOM8997 Compliance No Compliance Findings The loan is in compliance with all applicable laws and regulations.     Cleared 12/23/2025 Original LTV is Below the Guideline Maximum - Calculated LTV of 74.58% 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 Original CLTV is Below the Guideline Maximum - Calculated CLTV of 74.58% is less than Guideline CLTV of 90% 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
6000104929 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 12/24/2025 Resolved FCRE5116 Credit Missing VOM or VOR Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. The lender's guidelines required the housing payment history for all mortgages to be evidenced by XXX months proof of payment via cancelled checks, bank debits, or institutional VOM. A credit report cannot be used to evidence the housing payment history. The loan file did not contain the required documentation to support the housing payment history. XXX mortgage #XXX is only shown for XX/XX/XXXX payment on XX/XX/XXXX. Provide full XXX months payment history. That's an incorrect interpretation. The guideline is the credit report cannot be used to confirm the payment history under the premise that the history is based solely on the monthly/quarterly reported data. However, when using credit supplements that specifically confirm the history was directly revalidated with the creditor, that's an institutional VOM and completely different than solely relying on reported data.; The loan file contained credit supplement showing the mortgage lender confirmed the payment history in file which was considered an institutional VOM for the XXX open mortgage accounts. 12/30/2025 Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing; Non QM A+ guidelines clearly State a credit report can not be used to evidence the housing payment history. Per the supplement, this information was verified by the credit reporting agency, not the lender. 12/30/2025   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
6000104929 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 12/24/2025 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.     Cleared 12/26/2025   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
6000104918 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 12/26/2025 Resolved FCRE5116 Credit Missing VOM or VOR Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. The Final 1003 indicates REO at XXX is secured by a mortgage with XXX Mortgage for XXX and XXX per month. This mortgage is not reporting on the credit report and there is no payment history in the file. Verification of XXX months history is required per guidelines. Document Uploaded. Sorry, I hit save too fast. See attached documents confirming a concurrent closing - therefore not subject to a VOM.; We disagree with this finding. The loan file contained credit supplement showing the mortgage lender confirmed the payment history in file which was considered an institutional VOM. 12/30/2025 Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing 12/30/2025 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 52.46% is less than Guideline CLTV of 75% Original LTV is Below the Guideline Maximum - Calculated LTV of 52.46% is less than Guideline LTV of 75% 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
6000104918 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 12/26/2025 Resolved FCRE7497 Credit Missing verification of taxes, insurance, and/or HOA fees for non-subject property The Final 1003 indicates REO at XXX is secured by a mortgage with XXX Mortgage for XXX and XXX per month. The mortgage Statement is required to verify the payment. See upload under the other citation. 12/30/2025 Client provided Final CD dated XX/XX/XXXX. Cleared. 12/30/2025 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 52.46% is less than Guideline CLTV of 75% Original LTV is Below the Guideline Maximum - Calculated LTV of 52.46% is less than Guideline LTV of 75% 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
6000104918 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 12/26/2025 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.     Cleared 12/29/2025 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 52.46% is less than Guideline CLTV of 75% Original LTV is Below the Guideline Maximum - Calculated LTV of 52.46% is less than Guideline LTV of 75% 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
6000104918 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 12/27/2025 Resolved FCOM8997 Compliance No Compliance Findings The loan is in compliance with all applicable laws and regulations.     Cleared 12/29/2025 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 52.46% is less than Guideline CLTV of 75% Original LTV is Below the Guideline Maximum - Calculated LTV of 52.46% is less than Guideline LTV of 75% 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
6000104914 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Loan Review Complete 12/29/2025 Resolved FCRE3978 Credit Missing Letter of Explanation (Credit) Credit report reflects disputed account for XXX #XXX. Per guidelines, if any disputed accounts are confirmed to belong to the borrower, the dispute must be resolved and a new credit report obtained. Document Uploaded. The issue has an approved exception. 12/30/2025 Client provided Lender Exception form dated XX/XX/XXXX for Exception to use the XX/XX/XXXX guidelines for a disputed credit account which requires a LOX. Loan application was before XXX. Cleared. 12/30/2025 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
6000104914 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Loan Review Complete 12/26/2025 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.     Cleared 12/29/2025 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
6000104914 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Loan Review Complete 12/27/2025 Resolved FCOM8997 Compliance No Compliance Findings The loan is in compliance with all applicable laws and regulations.     Cleared 12/29/2025 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
6000104930 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 12/29/2025 Resolved FPRO8998 Property No Property Findings Property and valuations related findings were not identified on the loan.     Cleared 12/30/2025 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
6000104930 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 12/29/2025 Resolved FCRE8999 Credit No Credit Findings The loan meets all applicable credit guidelines.     Cleared 12/30/2025 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
6000104930 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 12/30/2025 Resolved FCOM8997 Compliance No Compliance Findings The loan is in compliance with all applicable laws and regulations.     Cleared 12/30/2025 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
6000104943 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 12/29/2025 Resolved FCRE8999 Credit No Credit Findings The loan meets all applicable credit guidelines.     Cleared 12/30/2025   A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
6000104943 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 12/29/2025 Resolved FPRO8998 Property No Property Findings Property and valuations related findings were not identified on the loan.     Cleared 12/30/2025   A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
6000104943 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 12/30/2025 Resolved FCOM8997 Compliance No Compliance Findings The loan is in compliance with all applicable laws and regulations.     Cleared 12/30/2025   A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
6000104934 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 12/29/2025 Resolved FCRE1482 Credit Asset 4 Does Not Meet Guideline Requirements Asset 4 Does Not Meet Guideline Requirements Final 1003 indicates assets of XXX from an unsecured loan. Documentation of the loan terms and evidence funds were transferred to the borrower are required. Document Uploaded. See updated Final 1003 & XXX This is a DSCR loan, therefore the proceeds aren't needed and since there is no DTI the liability aspect is moot. 1/15/2026 Condition cleared. Used XXX balance for account in question.; Asset 4 Meets Guideline Requirements Or XXX; Client provided Updated 1008 and 1003 removing Asset 4. LM Updated. 01/16/2026 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
6000104934 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 12/29/2025 Resolved FPRO8998 Property No Property Findings Property and valuations related findings were not identified on the loan.     Cleared 12/30/2025 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
6000104934 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 12/30/2025 Resolved FCOM8997 Compliance No Compliance Findings The loan is in compliance with all applicable laws and regulations.     Cleared 12/30/2025 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
6000104935 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 12/30/2025 Resolved FCRE8999 Credit No Credit Findings The loan meets all applicable credit guidelines. The loan meets all applicable credit guidelines.     Cleared 12/30/2025 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
6000104935 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 12/30/2025 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.     Cleared 12/30/2025 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
6000104935 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 12/30/2025 Resolved FCOM8997 Compliance No Compliance Findings The loan is in compliance with all applicable laws and regulations.     Cleared 12/30/2025 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
6000104919 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 12/29/2025 Acknowledged FCRE9780 Credit Business Purpose Affidavit/Disclosure Missing Business Purpose Affidavit/Disclosure Missing Exception for Business Purpose and Occupancy Attestation that has been signed at closing, compensating factors are XXX mo mtg history, FICO XXX points above minimum, Reserves >XXX mos than requirement, LTV 10% under the max allowance. Exception Approved.     Business Purpose and Occupancy Affidavit dated after closing on XX/XX/XXXX provided. Lender exception granted to accept the document executed post close. Compensating factors cited are XXX mo mtg history, FICO XXX points above minimum, Reserves >XXX mos than requirement, LTV 10% under the max allowance. Exception Approved. 02/12/2026 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 Original CLTV is Below the Guideline Maximum - Calculated CLTV of 52.46% is less than Guideline CLTV of 65% Original LTV is Below the Guideline Maximum - Calculated LTV of 52.46% is less than Guideline LTV of 65% B B B B B B A A A A B B A A B B A A B B A A B B A A B B A A B B A A B B A A B B A A B B A A B B A A
6000104919 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 12/29/2025 Resolved FCOM8997 Compliance No Compliance Findings The loan is in compliance with all applicable laws and regulations.     Cleared 12/30/2025 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 52.46% is less than Guideline CLTV of 65% Original LTV is Below the Guideline Maximum - Calculated LTV of 52.46% is less than Guideline LTV of 65% B B A A B B A A A A B B A A B B A A B B A A B B A A B B A A B B A A B B A A B B A A B B A A B B A A
6000104919 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 12/29/2025 Resolved FPRO8998 Property No Property Findings Property and valuations related findings were not identified on the loan.     Cleared 12/30/2025 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 52.46% is less than Guideline CLTV of 65% Original LTV is Below the Guideline Maximum - Calculated LTV of 52.46% is less than Guideline LTV of 65% B B A A B B A A A A B B A A B B A A B B A A B B A A B B A A B B A A B B A A B B A A B B A A B B A A
6000104906 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Loan Review Complete 12/29/2025 Acknowledged FCRE0360 Credit Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete. The lender's guidelines require the housing payment history for all REOs to be documented with XXX months proof of payment via cancelled checks, bank debits, or institutional VOM. A credit report cannot be used to evidence the housing payment history. The loan file contained an approved exception to use the credit report to verify the mortgage payment history; however, the credit report only reflected the mortgage with XXX #XXX on the primary residence. The loan file was missing the required documentation for the XXX #XXX mortgage on the investment property located at XXX-XXX XXX XXX The investment property at XXX–XXX XXX is serviced by XXX and does not appear on the credit report. We are required to verify mortgage history for the primary residence, or the subject property when applicable, and that verification has been completed. Per XXX guidance, we only need to address additional mortgages when file documentation indicates a potential delinquency. The mortgage Statement in the file shows the loan is current with no delinquency reflected. 1/14/2026 XXX is the Primary Residence. The credit report reflects XXX DOD for the XXX moths reported. A mortgage Statement from XXX dated XX/XX/XXXX included in the file shows XXX in YTD late fees. XXX-XXX is a current investment property. The mortgage debt is not shown on the credit report. The mortgage Statement from XXX is in the file, dated XX/XX/XXXX does not include a payment history but reflects XXX in late charges, deferments, and other fees since inception.; Per Client - The investment property at XXX–XXX XXX is serviced by XXX and does not appear on the credit report. We are required to verify mortgage history for the primary residence, or the subject property when applicable, and that verification has been completed. Per XXX guidance, we only need to address additional mortgages when file documentation indicates a potential delinquency. The mortgage Statement in the file shows the loan is current with no delinquency reflected. 02/12/2026 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 65.52% is less than Guideline CLTV of 85% Original LTV is Below the Guideline Maximum - Calculated LTV of 65.52% is less than Guideline LTV of 85% Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI 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
6000104906 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Loan Review Complete 12/29/2025 Resolved FCOM8997 Compliance No Compliance Findings The loan is in compliance with all applicable laws and regulations.     Cleared 12/30/2025 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 65.52% is less than Guideline CLTV of 85% Original LTV is Below the Guideline Maximum - Calculated LTV of 65.52% is less than Guideline LTV of 85% Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI 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
6000104906 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Loan Review Complete 12/29/2025 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.     Cleared 12/30/2025 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 65.52% is less than Guideline CLTV of 85% Original LTV is Below the Guideline Maximum - Calculated LTV of 65.52% is less than Guideline LTV of 85% Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI 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
6000104932 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 12/30/2025 Resolved FCRE1158 Credit Hazard Insurance Policy is Partial Hazard Insurance Policy Partially Provided Properties that are vacant require appropriate hazard insurance policy for vacant properties. Document Uploaded. This is a new purchase, with plans to be rented. See HOI & policy, the borrower can have up to XXX days, but those protections do not entirely void the policy. LOE included confirming the intent is to rent the property. 1/28/2026 Hazard Insurance Policy is fully present; Client provided HOI and policy info 01/29/2026 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
6000104932 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 12/29/2025 Resolved FCRE6843 Credit Asset General The lender's guidelines reflect business assets can be used if all of the following are met: Borrower must have minimum of XXX% ownership in business and be on the business account, ownership percentage must be documented via CPA letter, Operating Agreement, or equivalent, all non-borrowing owners of the business must provide a signed/dated letter acknowledging the transaction and confirming the access to funds, balance of the business assets must be multiplied by the ownership percentage to determine the owner's portion of business assets allowed for transaction and signed CPA letter regarding no negative impact on the business. The funds for closing came from XXX checking #XXX which is in the name of XXX. The loan file did not contain documentation for the percentage of the borrower's ownership in the business to calculate the borrower's percentage of the funds. The CPA letter Stated borrower and another individual owned the business and Operating Agreement provided was for XXX. Document Uploaded. See uploaded documents. 1/16/2026 Client provided CPA Letter reflecting the Borrower and XXX other person owners of XXX and XXX, they are confirming that use of business funds will not adversely affect the business, IRS verification of CPA, The Operating Agreement for XXX and LOE for additional business owner reflecting the Borrower has access to all funds. Cleared. 01/19/2026 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
6000104932 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 12/29/2025 Rescinded FCRE1479 Credit Asset 1 Does Not Meet Guideline Requirements Asset Record XXX Does Not Meet G/L Requirements. The lender's guidelines require the most recent one-month's Statement for assets. The loan file contained XXX checking #XXX Statement from XX/XX/XXXX to XX/XX/XXXX and activity from XX/XX/XXXX to XX/XX/XXXX, reflecting an ending balance of $XXX. The loan file also contained mortgage payment history for the Borrower's mortgages from XXX dated XX/XX/XXXX which reflected the balance of XXX as of XX/XX/XXXX. The loan file is missing the activity from XX/XX/XXXX to XX/XX/XXXX reflecting payments made to reduce the balance from XXX to $XXX. Disagree this is needed. Liquid Funds required was XXX + XXX = $XXX. Even if we use the XXX balance - we're still left with an overage of $XXX. 1/9/2026 Finding made in error, rescinded. 01/12/2026   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
6000104932 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 12/29/2025 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.     Cleared 12/30/2025 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
6000104932 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 12/30/2025 Resolved FCOM8997 Compliance No Compliance Findings The loan is in compliance with all applicable laws and regulations.     Cleared 12/30/2025 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
6000104942 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 12/30/2025 Resolved FCRE5116 Credit Missing VOM or VOR Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. The lender's guidelines require the housing payment history to be evidenced by XXX months proof of payment via cancelled checks, bank debits, or institutional VOM. A credit report cannot be used to evidence the housing payment history. Missing the payment history for the XXX #XXX mortgage for property located at XXX XXX Document Uploaded. We disagree with the finding. We delivered a credit supplement showing the VOM was returned & confirmed the payment history in file which was considered an institutional VOM. 1/7/2026 Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing; Client States - We disagree with the finding. We delivered a credit supplement showing the VOM was returned & confirmed the payment history in file which was considered an institutional VOM. Agree. 01/07/2026 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
6000104942 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 12/30/2025 Resolved FCRE9500 Credit Missing Letter of Explanation (Assets) The lender's guidelines require a CPA letter or Underwriter Cash Flow Analysis to be obtained to verify the withdrawal of funds for the transaction will not have a negative impact on the business. The earnest money of XXX came from the XXX XXX #XXX business account. We disagree with the finding. While the business cut the XXX EMD, both borrowers had more than enough funds in their personal accounts to cover business reimbursement if the XXX should it have had any negative impact on the business. 1/7/2026 Client States - While the business cut the XXX EMD, both borrowers had more than enough funds in their personal accounts to cover business reimbursement if the XXX should it have had any negative impact on the business. Agree. 01/07/2026 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
6000104942 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 12/29/2025 Resolved FCOM8997 Compliance No Compliance Findings The loan is in compliance with all applicable laws and regulations.     Cleared 12/31/2025 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
6000104942 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 12/30/2025 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.     Cleared 12/31/2025 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
6000104908 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Loan Review Complete 12/29/2025 Resolved FCRE1964 Credit Missing income documentation The lender's guidelines require a Business Narrative to be included when bank Statements are being used for income calculation. The Business Narrative must include details relating to the size/score and operating profile of the business, including the following: Description of Business/Business Profile, Location and Associated Rent, Number of XXXs/Contractors, Estimated Cost of Goods Sold if any, Materials/Trucks/Equipment, Commercial or Retail Client Base. The loan file contained a bank Statement questionnaire; however, it does not include all of the required items listed above. Document Uploaded. Please see attached. 1/7/2026 Client provided CPA letter from the Bookkeeper/CPA reflecting a Full Business Narrative and Bank Statement questionnaire. Cleared. 01/08/2026 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 CLTV is Below the Guideline Maximum - Calculated CLTV of 42.8% is less than Guideline CLTV of 80% Original LTV is Below the Guideline Maximum - Calculated LTV of 42.8% 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
6000104908 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Loan Review Complete 12/29/2025 Resolved FCRE0377 Credit The Total Hazard Coverage is LESS than the Required Coverage Amount The hazard insurance dwelling coverage of XXX is insufficient, not meeting the required coverage amount of ($XXX). The lender's guidelines require the insurance limits must equal the less of: XXX% of the replacement cost of the improvements as of the current property insurance policy effective date, or the unpaid principal balance of the mortgage, provided it equals no less than XXX% of the replacement cost value of the improvements as of the current property insurance policy effective date. The replacement cost value must be verified in order to complete the calculation above. Document Uploaded. We disagree with this finding. In XXX, all Insurance providers have a XXX built into their system to capture the XXX estimate. The policy is written based on that based on the language under Dwelling A-XXX. They are required by law to insure to meet that value. XXX Mortgage Property Insurance Requirements Limited. No mortgage lender shall, in connection with any application for a mortgage loan in this State which is secured by a mortgage on residential real eState located in this State, require any prospective mortgagor to obtain by purchase or otherwise a property insurance policy in excess of the replacement value of the covered premises as a condition for granting such a mortgage. Rulemaking Authority XXX(XXX) FS. Law Implemented XXX(XXX), XXX(XXX) FS. History–New XXX-XXX-XXX, Formerly XXX-XXX, Amended XXX-XXX-XXX. “XXX Statute XXX(paragraph XXX)(subparagraph a) prohibits the wording ‘XXX percent replacement cost’ and ‘guaranteed replacement cost’. The use of such terms could result in disciplinary actions including loss of my license. XXX is an insured to value State therefore the carrier insures to the estimated replacement cost as determined by them. Replacement costs estimators are proprietary to the carrier’s file as the lender’s 1003 and credit report.” 1/6/2026 Agree with Client. Depreciated Cost of Improvements from the Appraisal report in file is XXX Extended Dwelling coverage is XXX Cleared. ; The Total Hazard Coverage is greater than or equal to the Required Coverage Amount 01/06/2026 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 42.8% is less than Guideline CLTV of 80% Original LTV is Below the Guideline Maximum - Calculated LTV of 42.8% is less than Guideline LTV of 80% 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
6000104908 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Loan Review Complete 12/29/2025 Resolved FCRE0360 Credit Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete. The lender's guidelines require housing payment history for the most recent XXX months, to be evidenced by XXX months proof of payment via cancelled checks, bank debits, or institutional VOM. A credit report cannot be used to evidence the housing payment history. The loan file is missing XXX consecutive. The loan file contained proof of the following payments made from bank Statements: XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. We disagree with the finding. We delivered a credit supplement showing the mortgage lender confirmed the payment history in file which was considered an institutional VOM. 1/6/2026 Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not partially present.; Agree. Supplemental Credit Report in file reflects Mortgage verified No Delinquencies in last XXX months, last payment posted XX/XX/XXXX and Verified by SettlementOne. Cleared. 01/06/2026 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 42.8% is less than Guideline CLTV of 80% Original LTV is Below the Guideline Maximum - Calculated LTV of 42.8% is less than Guideline LTV of 80% 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
6000104908 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Loan Review Complete 12/29/2025 Resolved FCRE1193 Credit Audited DTI Exceeds Guideline DTI Audited DTI of XXX% exceeds Guideline DTI of XXX% The lender's guidelines reflect a maximum DTI of XXX% DTI's above XXX% up to XXX% are allowed subject to additional criteria which include: Min XXX FICO, Max 80% LTV/CLTV, Primary Residence, No First Time Homebuyers, XXX Residual Income Required. The FICO on the loan is XXX and does not meet the guidelines for the DTI to exceed XXX% The DTI increased at audit due to using the lesser income from initial 1003 as indicated in guidelines to use the lesser of income on initial 1003 or the bank Statement income calcualtion. Document Uploaded. This loan file has a documented exception that was included in file. Please clear. 1/6/2026 Client provided Lender Exception to use Calculated Income vs Stated income from 1003. Cleared.; Audited DTI of XXX% is less than or equal to Guideline DTI of XXX% 01/06/2026 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 42.8% is less than Guideline CLTV of 80% Original LTV is Below the Guideline Maximum - Calculated LTV of 42.8% is less than Guideline LTV of 80% 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
6000104908 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Loan Review Complete 12/29/2025 Resolved FCRE1347 Credit Borrower 2 3rd Party VOE Prior to Close Missing Borrower 2 3rd Party VOE Prior to Close Missing The lender's guidelines require a verbal verification of employment to be performed within ten calendar days prior to the funding date. The loan file did not contain a verbal verification of employment for B2 within ten calendar days prior to the funding date. Note: Initial 1003's reflected both borrower's receiving income for the business. The Final 1003's reflected all income on B1; however, each borrower owned XXX% of business and the business income should have been split as done on initial 1003's. Document Uploaded. While I understand what's being cited here, this is just a paper XXX. Both owners are borrowers on the loan and the total income amount remains unchanged, the VVOE confirms the business is open & operating within XXX days of closing. Updating the 1003s to split the income - doesn't change any qualifying components of the loan. Please clear. ; While I understand what's being cited here, this is just a paper XXX. Both owners are borrowers on the loan and the total income amount remains unchanged, the VVOE confirms the business is open & operating within XXX days of closing. Updating the 1003s to split the income - doesn't change any qualifying components of the loan. Please clear. 1/6/2026 Borrower 2 3rd Party VOE Prior to Close Was Provided or XXX (Number of Borrowers equals XXX); Client provided Letter of Explanation that Both owners are borrowers on the loan and the total income amount remains unchanged, the VVOE confirms the business is open & operating within XXX days of closing. Updating the 1003s to split the income. Agree. 01/06/2026 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 42.8% is less than Guideline CLTV of 80% Original LTV is Below the Guideline Maximum - Calculated LTV of 42.8% 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
6000104908 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Loan Review Complete 12/29/2025 Resolved FCOM8997 Compliance No Compliance Findings The loan is in compliance with all applicable laws and regulations.     Cleared 12/31/2025 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 42.8% is less than Guideline CLTV of 80% Original LTV is Below the Guideline Maximum - Calculated LTV of 42.8% 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
6000104916 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Loan Review Complete 12/30/2025 Resolved FCRE1437 Credit Income and Employment Do Not Meet Guidelines Income and Employment Do Not Meet Guidelines The lender's guidelines for a bank Statement loan require a business type of Service Business (Offers Services) or Product Businesses (Sells Goods). The borrower is owner of a Dry Cleaning business since XXX; however, the income being used for qualifying is from deposits from a lease of the business and does not fall under a service or goods type of businesses. We disagree with this finding. Borrower owns the laundry business and the building it is located in but is renting out both the business and building which is the source of the business income. This is being considered a service business due to this fact. They are providing the means to operate the dry cleaner to the party leasing the business. 1/6/2026 Income and Employment Meet Guidelines; Per Client Borrower owns the laundry business and the building it is located in but is renting out both the business and building which is the source of the business income. This is being considered a service business due to this fact. They are providing the means to operate the dry cleaner to the party leasing the business. Cleared. 01/13/2026 Original LTV is Below the Guideline Maximum - Calculated LTV of 60% is less than Guideline LTV of 90% 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 60% is less than Guideline CLTV of 90% D B C A D A A A B B D D A B D D A B D D A B D D A B D D A B B A A B B A A B B A A B B A A B B A A B
6000104916 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Loan Review Complete 12/31/2025 Acknowledged FCOM9186 Compliance eSigned Documents Consent is Missing The eSigned consent disclosure is missing. Provide the e-consent dated on or prior to the earliest electronic signature XX/XX/XXXX     Acknowledged 01/13/2026 Original LTV is Below the Guideline Maximum - Calculated LTV of 60% is less than Guideline LTV of 90% 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 60% is less than Guideline CLTV of 90% D B B B D A A A B B D D A B D D A B D D A B D D A B D D A B B A A B B A A B B A A B B A A B B A A B
6000104916 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Loan Review Complete 12/30/2025 Resolved FCRE7805 Credit Missing Income - Bank Statements The lender's guidelines require bank Statements to be the most recent available at time of application and must be consecutive. The initial loan application was dated XX/XX/XXXX by the lender. The most recent business bank Statement provided for income calculation was dated XX/XX/XXXX. The loan file is missing the most recent bank Statement for income calculation. Document Uploaded. XX/XX/XXXX Statement 1/8/2026 XXX Statement provided 01/11/2026 Original LTV is Below the Guideline Maximum - Calculated LTV of 60% is less than Guideline LTV of 90% 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 60% is less than Guideline CLTV of 90% D B D A D A A A B B D D A B D D A B D D A B D D A B D D A B B A A B B A A B B A A B B A A B B A A B
6000104916 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Loan Review Complete 12/30/2025 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.     Cleared 12/31/2025 Original LTV is Below the Guideline Maximum - Calculated LTV of 60% is less than Guideline LTV of 90% 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 60% is less than Guideline CLTV of 90% D B A A D A A A B B D D A B D D A B D D A B D D A B D D A B B A A B B A A B B A A B B A A B B A A B
6000104913 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Loan Review Complete 12/30/2025 Resolved FCRE5116 Credit Missing VOM or VOR Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. Non-QM A+ guidelines do not allow use of the credit report to verify the housing history and there is no loan exception in the file. A VOM is required for the XXX. Document Uploaded. We disagree. The loan file contained an approved exception. 1/13/2026 Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing; Client provided Lender Exception dated XX/XX/XXXX for an exception to utilize Credit Report to verify Mortgage Payment History. Cleared. 01/14/2026 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 D B D A D A A A B B D D A B D D A B D D A B D D A B D D A B B A A B B A A B B A A B B A A B B A A B
6000104913 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Loan Review Complete 12/30/2025 Acknowledged 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)). Provide evidence the appraisal was delivered to the borrower a minimum of XXX business days prior to consummation. The appraisal acknowledgment disclosure does not specify if the borrower waived the timing requirements and received a copy at closing or if the appraisal was received the minimum XXX days prior to consummation.     Acknowledged 01/13/2026 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 D B B B D A A A B B D D A B D D A B D D A B D D A B D D A B B A A B B A A B B A A B B A A B B A A B
6000104913 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Loan Review Complete 12/30/2025 Resolved FPRO8998 Property No Property Findings Property and valuations related findings were not identified on the loan.     Cleared 12/31/2025 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 D B A A D A A A B B D D A B D D A B D D A B D D A B D D A B B A A B B A A B B A A B B A A B B A A B
6000104912 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Loan Review Complete 12/30/2025 Acknowledged 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)). A XXX-day waiver was provided, however, evidence of appraisal delivery at or prior to consummation is missing from the file.     Acknowledged 01/13/2026 Borrower has stable job time - Borrower has XXX years on job. B B B B A A A A B B B A A B B A A B B A A B B A A B B A A B B A A B B A A B B A A B B A A B B A A B
6000104912 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Loan Review Complete 12/30/2025 Resolved FPRO8998 Property No Property Findings Property and valuations related findings were not identified on the loan.     Cleared 12/31/2025 Borrower has stable job time - Borrower has XXX years on job. B B A A A A A A B B B A A B B A A B B A A B B A A B B A A B B A A B B A A B B A A B B A A B B A A B
6000104912 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Loan Review Complete 12/30/2025 Resolved FCRE8999 Credit No Credit Findings The loan meets all applicable credit guidelines.     Cleared 12/31/2025 Borrower has stable job time - Borrower has XXX years on job. B B A A A A A A B B B A A B B A A B B A A B B A A B B A A B B A A B B A A B B A A B B A A B B A A B
6000117022 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX QM: Safe Harbor APOR (APOR SH) Loan Review Complete 12/26/2025 Resolved FCRE1479 Credit Asset 1 Does Not Meet Guideline Requirements Asset Record XXX Does Not Meet G/L Requirements. XXX Statement for account #XXX was dated XX/XX/XXXX which was > XXX days from the XXX XX/XX/XXXX. Per guidelines, updated account information must be provided within XXX days of the Note. Ready for Review- - XXX Account-XXX-XXX-XXX:XXX:XXX; ; Ready for Review-Ready for Review-XXX screen shot provided has no balance, account number or date. GL require Statement within XXX days of note - XXX Account-XXX-XXX-XXX:XXX:XXX - XXX Account-XXX-XXX-XXX:XXX:XXX; ; Ready for Review-XXX screen shot provided has no balance, account number or date. GL require Statement within XXX days of note - XXX Account-XXX-XXX-XXX:XXX:XXX; ; XXX screen shot provided has no balance, account number or date. GL require Statement within XXX days of note; XXX Statement for account #XXX was dated XX/XX/XXXX which was > XXX days from the XXX XX/XX/XXXX. Per guidelines, updated account information must be provided within XXX days of the Note; ; Document Uploaded. ; ; ; Provided Screen shot of account with the date XX/XX/XXXX. The XXX is XX/XX/XXXX. Guidelines XX/XX/XXXX Asset Depletion and Asset Utilization Documentation Requirements States: Six XXX months of bank Statements are required, balances must be verified with XXX days of the XXX. Still require Asset Documentation within XXX days of XXX of XX/XX/XXXX.; ; ; Document Uploaded. ; 1/25/2026 Asset Record XXX Meets G/L Requirements; XXX #XXX Statement XX/XX/XXXX provided; Asset Record XXX Does Not Meet G/L Requirements. Asset Record XXX Does Not Meet G/L Requirements. XXX screen shot provided has no balance, account number or date. GL require Statement within XXX days of note ; Asset Record XXX Does Not Meet G/L Requirements. Asset Record XXX Does Not Meet G/L Requirements. XXX screen shot provided has no balance, account number or date. GL require Statement within XXX days of note ; Asset Record XXX Does Not Meet G/L Requirements. XXX screen shot provided has no balance, account number or date. GL require Statement within XXX days of note; Asset Record XXX Does Not Meet G/L Requirements. XXX screen shot provided has no balance, account number or date. GL require Statement within XXX days of note; Asset Record XXX Does Not Meet G/L Requirements. XXX Statement does not reflect any account number or date. GL require Statement within XXX days of note; Asset Record XXX Does Not Meet G/L Requirements. Asset Record XXX Does Not Meet G/L Requirements. XXX screen shot provided has no balance, account number or date. GL require Statement within XXX days of note ; Asset Record XXX Does Not Meet G/L Requirements. XXX screen shot provided has no balance, account number or date. GL require Statement within XXX days of note; Asset Record XXX Does Not Meet G/L Requirements. XXX screen shot provided has no balance, account number or date. GL require Statement within XXX days of note; Asset Record XXX Does Not Meet G/L Requirements. XXX Statement does not reflect any account number or date. GL require Statement within XXX days of note; Asset Record XXX Does Not Meet G/L Requirements. Asset Record XXX Does Not Meet G/L Requirements. XXX screen shot provided has no balance, account number or date. GL require Statement within XXX days of note ; Asset Record XXX Does Not Meet G/L Requirements. XXX screen shot provided has no balance, account number or date. GL require Statement within XXX days of note; Asset Record XXX Does Not Meet G/L Requirements. XXX screen shot provided has no balance, account number or date. GL require Statement within XXX days of note; Asset Record XXX Does Not Meet G/L Requirements. XXX Statement does not reflect any account number or date. GL require Statement within XXX days of note; Asset Record XXX Does Not Meet G/L Requirements. Asset Record XXX Does Not Meet G/L Requirements. XXX screen shot provided has no balance, account number or date. GL require Statement within XXX days of note ; Asset Record XXX Does Not Meet G/L Requirements. XXX screen shot provided has no balance, account number or date. GL require Statement within XXX days of note; Asset Record XXX Does Not Meet G/L Requirements. XXX screen shot provided has no balance, account number or date. GL require Statement within XXX days of note; Asset Record XXX Does Not Meet G/L Requirements. XXX Statement does not reflect any account number or date. GL require Statement within XXX days of note; Screen shot provided does not contain any date to verify balance. ; Screen shot reflects date of XX/XX/XXXX. Per GL this must be within XXX days of note, XX/XX/XXXX.; Asset Record XXX Does Not Meet G/L Requirements. Asset Record XXX Does Not Meet G/L Requirements. XXX screen shot provided has no balance, account number or date. GL require Statement within XXX days of note ; Asset Record XXX Does Not Meet G/L Requirements. XXX screen shot provided has no balance, account number or date. GL require Statement within XXX days of note; Asset Record XXX Does Not Meet G/L Requirements. XXX screen shot provided has no balance, account number or date. GL require Statement within XXX days of note; Asset Record XXX Does Not Meet G/L Requirements. XXX Statement does not reflect any account number or date. GL require Statement within XXX days of note; ; Screen shots and bank Statements uploaded do not reflect any date within XXX days of note, XX/XX/XXXX. All documents reflect XX/XX/XXXX. ; Client Provided Screen shot of account with the date XX/XX/XXXX. The XXX is XX/XX/XXXX. Guidelines XX/XX/XXXX Asset Depletion and Asset Utilization Documentation Requirements States: Six XXX months of bank Statements are required, balances must be verified with XXX days of the XXX. Still require Asset Documentation within XXX days of XXX of XX/XX/XXXX.; ; Provided Screen shot of account with the date XX/XX/XXXX. The XXX is XX/XX/XXXX. Guidelines XX/XX/XXXX Asset Depletion and Asset Utilization Documentation Requirements States: Six XXX months of bank Statements are required, balances must be verified with XXX days of the XXX. Still require Asset Documentation within XXX days of XXX of XX/XX/XXXX.; Client provided Screen shot of account with the date XX/XX/XXXX. The XXX is XX/XX/XXXX. Guidelines XX/XX/XXXX Asset Depletion and Asset Utilization Documentation Requirements States: Six XXX months of bank Statements are required, balances must be verified with XXX days of the XXX. Still require Asset Documentation within XXX days of XXX of XX/XX/XXXX.; Asset Record XXX Does Not Meet G/L Requirements. Asset Record XXX Does Not Meet G/L Requirements. XXX screen shot provided has no balance, account number or date. GL require Statement within XXX days of note ; Asset Record XXX Does Not Meet G/L Requirements. XXX screen shot provided has no balance, account number or date. GL require Statement within XXX days of note; Asset Record XXX Does Not Meet G/L Requirements. XXX screen shot provided has no balance, account number or date. GL require Statement within XXX days of note; Asset Record XXX Does Not Meet G/L Requirements. XXX Statement does not reflect any account number or date. GL require Statement within XXX days of note 01/25/2026 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 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
6000117022 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX QM: Safe Harbor APOR (APOR SH) Loan Review Complete 12/26/2025 Resolved FCRE1480 Credit Asset 2 Does Not Meet Guideline Requirements Asset Record XXX Does Not Meet G/L Requirements XXX Statement for account #XXX was dated XX/XX/XXXX which was > XXX days from the XXX XX/XX/XXXX. Per guidelines, updated account information must be provided within XXX days of the Note. Ready for Review-Ready for Review- XXX Statement for account #XXX was dated XX/XX/XXXX which was > XXX days from the XXX XX/XX/XXXX. Per guidelines, updated account information must be provided within XXX days of the Note. - XXX Account-XXX-XXX-XXX:XXX:XXX - XXX Account-XXX-XXX-XXX:XXX:XXX; ; Ready for Review- XXX Statement for account #XXX was dated XX/XX/XXXX which was > XXX days from the XXX XX/XX/XXXX. Per guidelines, updated account information must be provided within XXX days of the Note. - XXX Account-XXX-XXX-XXX:XXX:XXX; ; ; ; XXX Statement for account #XXX was dated XX/XX/XXXX which was > XXX days from the XXX XX/XX/XXXX. Per guidelines, updated account information must be provided within XXX days of the Note.; ; Document Uploaded. ; ; ; ; ; Provided Screen online Activity & Orders Statement for account #XXX. This only reflects cash balances and as of XX/XX/XXXX reflects XXX The account was used as Asset Depletion with a balance of $XXX. Guidelines XX/XX/XXXX Asset Depletion and Asset Utilization Documentation Requirements States: Six XXX months of bank Statements are required, balances must be verified with XXX days of the XXX. Still require Asset Documentation within XXX days of XXX of XX/XX/XXXX.; ; ; Document Uploaded. ; 1/23/2026 Asset Record XXX Meets G/L Requirements Or XXX; XX/XX/XXXX Statement provided; Asset Record XXX Meets G/L Requirements Or XXX; Asset Record XXX Meets G/L Requirements Or XXX; Screen shot provided does not have any date on it. ; screen shot reflecting balance of XXX as of XX/XX/XXXX.; Provided Screen online Activity & Orders Statement for account #XXX. This only reflects cash balances and as of XX/XX/XXXX reflects XXX The account was used as Asset Depletion with a balance of $XXX. Guidelines XX/XX/XXXX Asset Depletion and Asset Utilization Documentation Requirements States: Six XXX months of bank Statements are required, balances must be verified with XXX days of the XXX. Still require Asset Documentation within XXX days of XXX of XX/XX/XXXX.; ; Provided Screen online Activity & Orders Statement for account #XXX. This only reflects cash balances and as of XX/XX/XXXX reflects XXX The account was used as Asset Depletion with a balance of $XXX. Guidelines XX/XX/XXXX Asset Depletion and Asset Utilization Documentation Requirements States: Six XXX months of bank Statements are required, balances must be verified with XXX days of the XXX. Still require Asset Documentation within XXX days of XXX of XX/XX/XXXX.; Client provided Screen online Activity & Orders Statement for account #XXX. This only reflects cash balances and as of XX/XX/XXXX reflects XXX The account was used as Asset Depletion with a balance of $XXX. Guidelines XX/XX/XXXX Asset Depletion and Asset Utilization Documentation Requirements States: Six XXX months of bank Statements are required, balances must be verified with XXX days of the XXX. Still require Asset Documentation within XXX days of XXX of XX/XX/XXXX.; Asset Record XXX Does Not Meet G/L Requirements 01/24/2026 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 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
6000117022 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX QM: Safe Harbor APOR (APOR SH) Loan Review Complete 12/26/2025 Resolved FCRE1483 Credit Asset 5 Does Not Meet Guideline Requirements Asset 5 Does Not Meet Guideline Requirements XXX Statement for account #XXX was dated XX/XX/XXXX which was > XXX days from the XXX XX/XX/XXXX. Per guidelines, updated account information must be provided within XXX days of the Note. Ready for Review-Ready for Review-Ready for Review- - XXX Account-XXX-XXX-XXX:XXX:XXX - XXX Account-XXX-XXX-XXX:XXX:XXX - XXX Account-XXX-XXX-XXX:XXX:XXX; ; Ready for Review-Ready for Review- - XXX Account-XXX-XXX-XXX:XXX:XXX - XXX Account-XXX-XXX-XXX:XXX:XXX; ; Ready for Review- - XXX Account-XXX-XXX-XXX:XXX:XXX; ; ; XXX Account #XXX incorrectly noted as XXX #XXX in comment below. File does not contain income worksheet that matches to Final 1003/XXX/Approval income numbers. Statement in file is dated XX/XX/XXXX and is more than XXX days from XXX.; ; Document Uploaded. ; 1/23/2026 Asset 5 Meets Guideline Requirements Or XXX; Asset 5 Meets Guideline Requirements Or XXX; Asset 5 Meets Guideline Requirements Or XXX; Quarterly Statement; XXX Account #XXX incorrectly noted as XXX #XXX. Statement in file is dated XX/XX/XXXX and is more than XXX days from XXX.; ; ; XXX Account #XXX incorrectly noted as XXX #XXX. Statement in file is dated XX/XX/XXXX and is more than XXX days from XXX.; ; XXX Account #XXX incorrectly noted as XXX #XXX in comment below. File does not contain income worksheet that matches to Final 1003/XXX/Approval income numbers. Statement in file is dated XX/XX/XXXX and is more than XXX days from XXX. ; Client provided that the account was not used in income calculation. The incorrect account number was provided. This condition is for XXX account #XXX used to qualify for Asset Depletion. Statement in file is dated XX/XX/XXXX. Guidelines XX/XX/XXXX Asset Depletion and Asset Utilization Documentation Requirements States: Six XXX months of bank Statements are required, balances must be verified with XXX days of the XXX. Still require Asset Documentation within XXX days of XXX of XX/XX/XXXX.; Asset 5 Does Not Meet Guideline Requirements 01/24/2026 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 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
6000117022 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX QM: Safe Harbor APOR (APOR SH) Loan Review Complete 12/29/2025 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 tolerance is due to the addition of the rate lock extension. There is no documentation in file to confirm the date the rate lock was requested to be extended 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. An 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). ; 1/6/2026 Valid COC provided; exception resolved; Valid COC provided; exception resolved 01/06/2026 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 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
6000117022 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX QM: Safe Harbor APOR (APOR SH) Loan Review Complete 12/26/2025 Resolved FPRO8998 Property No Property Findings Property and valuations related findings were not identified on the loan.     Informational 12/30/2025 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
6000117024 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 01/08/2026 Resolved FCRE1440 Credit Housing History Does Not Meet Guideline Requirements Housing History Does Not Meet Guideline Requirements Per guidelines, a XXX-month mortgage payment history is required on the primary residence and the subject property. The borrower's primary residence located at XXX has a payment history from XX/XX/XXXX-XX/XX/XXXX however, transaction history documentation in file indicates that the property was refinanced XX/XX/XXXX with a XXX loan amount but is not reported on the credit report in fie. Please provide loan payment history from the servicer, a copy of the note and proof of electronic transfers (cancelled checks, bank Statements or XXX pay histories) or a VOM. If the subject is owned free and clear or the housing payment is being made by someone other than the borrower, documentation that needs to support living "rent-free" must be provided from the owner along with verification that the payments are being made by someone other than the borrower. Ready for Review-VOM provided for Primary residence with XXX. Per property report, account opened XX/XX/XXXX for XXX Per VOM account opened XX/XX/XXXX for XXX this lien is not reflected on the property detail report. - XXX Account-XXX-XXX-XXX:XXX:XXX; ; VOM provided for Primary residence with XXX. Per property report, account opened XX/XX/XXXX for XXX Per VOM account opened XX/XX/XXXX for XXX this lien is not reflected on the property detail report.; VOM provided for Primary residence with XXX. Per property report, account opened XX/XX/XXXX for XXX Per VOM account opened XX/XX/XXXX for XXX this lien is not reflected on the property detail report.; 1/23/2026 Housing History Meets Guideline Requirements; Housing History Meets Guideline Requirements; ; VOM provided for Primary residence with XXX. Original lien Per property report, account opened XX/XX/XXXX for XXX Subsequent mortgage, Per VOM account opened XX/XX/XXXX for XXX this lien is not reflected on the property detail report. Not reflected on credit report. Per guidelines, a XXX-month mortgage payment history is required on the primary residence.; VOM provided for Primary residence with XXX. Per property report, account opened XX/XX/XXXX for XXX Per VOM account opened XX/XX/XXXX for XXX this lien is not reflected on the property detail report. ; Property history report confirms deed of trust for XXX on XX/XX/XXXX. Lender XXX. Please provide mortgage payment history for this lien. Per guidelines, a XXX-month mortgage payment history is required on the primary residence. ; Property history report confirms deed of trust for XXX on XX/XX/XXXX. Lender XXX. Please provide mortgage payment history for this lien. Per guidelines, a XXX-month mortgage payment history is required on the primary residence. 01/23/2026 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 C A A A D D C A D D C A D D C A D D C A D D C A A A A A A A A A A A A A A A A A A A A A
6000117024 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 01/08/2026 Resolved FCRE1158 Credit Hazard Insurance Policy is Partial Hazard Insurance Policy Partially Provided Insurance documentation provided in file was combined "Binder of Quote #XXX" that covered XXX total properties (XXX, XXX and XXX) and was not specific on individual policy premiums or coverage. Ready for Review- - XXX Account-XXX-XXX-XXX:XXX:XXX; ; 1/23/2026 Hazard Insurance Policy is fully present; Hazard Insurance Policy is fully present 01/23/2026 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 C A A A D D C A D D C A D D C A D D C A D D C A A A A A A A A A A A A A A A A A A A A A
6000117024 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 01/08/2026 Resolved FPRO9990 Property Third Party Valuation Product Not Provided within 10% Tolerance Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Third Party Valuation Product Not Provided or Not Provided Within Tolerance. ; ; Document Uploaded. ; 1/19/2026 Third party valuation product provided within tolerance.; CDA provided 01/23/2026 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 C A A A D D C A D D C A D D C A D D C A D D C A A A A A A A A A A A A A A A A A A A A A
6000117024 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 01/09/2026 Resolved FCRE5116 Credit Missing VOM or VOR Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. Missing XXX month payment history for subject mortgage. Ready for Review-VOM provided for Primary residence with XXX. Per property report, account opened XX/XX/XXXX for XXX Per VOM account opened XX/XX/XXXX for XXX this lien is not reflected on the property detail report. - XXX Account-XXX-XXX-XXX:XXX:XXX; ; VOM provided for Primary residence with XXX. Per property report, account opened XX/XX/XXXX for XXX Per VOM account opened XX/XX/XXXX for XXX this lien is not reflected on the property detail report.; VOM provided for Primary residence with XXX. Per property report, account opened XX/XX/XXXX for XXX Per VOM account opened XX/XX/XXXX for XXX this lien is not reflected on the property detail report.; 1/23/2026 Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing; Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing; VOM provided for Primary residence with XXX. Original lien Per property report, account opened XX/XX/XXXX for XXX Subsequent mortgage, Per VOM account opened XX/XX/XXXX for XXX this lien is not reflected on the property detail report. Not reflected on credit report. Per guidelines, a XXX-month mortgage payment history is required on the primary residence.; VOM provided for Primary residence with XXX. Per property report, account opened XX/XX/XXXX for XXX Per VOM account opened XX/XX/XXXX for XXX this lien is not reflected on the property detail report. 01/23/2026 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 C A A A D D C A D D C A D D C A D D C A D D C A A A A A A A A A A A A A A A A A A A A A
6000117024 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 01/09/2026 Rescinded FCRE2009 Credit Rent Loss Insurance Missing Missing rent loss insurance coverage Provide individual binder for subject property that references Rent Loss Coverage. ; 1/23/2026 Finding made in error, rescinded. 01/23/2026   D A D A D A C A A A D D C A D D C A D D C A D D C A D D C A A A A A A A A A A A A A A A A A A A A A
6000117024 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 01/07/2026 Resolved FCOM8997 Compliance No Compliance Findings The loan is in compliance with all applicable laws and regulations.     Informational 01/09/2026 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 C A A A D D C A D D C A D D C A D D C A D D C A A A A A A A A A A A A A A A A A A A A A
6000117023 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 01/15/2026 Resolved FPRO8998 Property No Property Findings Property and valuations related findings were not identified on the loan.     Informational 01/16/2026 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
6000117023 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 01/15/2026 Resolved FCRE8999 Credit No Credit Findings The loan meets all applicable credit guidelines.     Informational 01/16/2026 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
6000117023 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 01/16/2026 Resolved FCOM8997 Compliance No Compliance Findings The loan is in compliance with all applicable laws and regulations.     Informational 01/16/2026 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
6000117027 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 01/23/2026 Resolved FCOM5413 Compliance Prepayment Penalty Information Unavailable No Prepayment addendum to note, rate lock indicates XXX month PPP Ready for Review- - XXX Account-XXX-XXX-XXX:XXX:XXX; ; PPP ATTACHED --Loan Closings; 1/26/2026 ; XXX Information is Resolved; PPP provided 02/05/2026 Original CLTV is Below the Guideline Maximum - Calculated CLTV of 36% is less than Guideline CLTV of 80% Calculated CLTV of 36% is less than Guideline CLTV of 80% Acknowledged Original LTV is Below the Guideline Maximum - Calculated LTV of 36% is less than Guideline LTV of 80% Calculated LTV of 36% is less than Guideline LTV of 80% Acknowledged Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Acknowledged 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
6000117027 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 01/22/2026 Resolved FPRO8998 Property No Property Findings Property and valuations related findings were not identified on the loan.     Informational 01/23/2026 Original CLTV is Below the Guideline Maximum - Calculated CLTV of 36% is less than Guideline CLTV of 80% Calculated CLTV of 36% is less than Guideline CLTV of 80% Acknowledged Original LTV is Below the Guideline Maximum - Calculated LTV of 36% is less than Guideline LTV of 80% Calculated LTV of 36% is less than Guideline LTV of 80% Acknowledged Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Acknowledged 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
6000117027 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 01/22/2026 Resolved FCRE8999 Credit No Credit Findings The loan meets all applicable credit guidelines.     Informational   Original CLTV is Below the Guideline Maximum - Calculated CLTV of 36% is less than Guideline CLTV of 80% Calculated CLTV of 36% is less than Guideline CLTV of 80% Acknowledged Original LTV is Below the Guideline Maximum - Calculated LTV of 36% is less than Guideline LTV of 80% Calculated LTV of 36% is less than Guideline LTV of 80% Acknowledged Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Acknowledged 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
6000117029 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX QM: Safe Harbor APOR (APOR SH) Loan Review Complete 01/22/2026 Resolved FCRE1325 Credit Borrower 1 CPA Letter Missing Borrower 1 CPA Letter Missing Letter from XXX or a tax preparer verifying the borrower's ownership percentage along with a business narrative letter are missing. The Lender utilized XXX% Expense Ratio without justification for the calculation. Please provide documentation to support business ownership percentage and description of how the business operates, business structure, number of locations/XXXs and the company website (if applicable). ; ; The CPA letter verifying that XXX is the sole owner of both XXX has been uploaded. The business narrative form has also been uploaded. XXX is a XXX. He has listed his clinics, the mortgages and rents paid and the and the websites. --XXX; Ready for Review- - XXX Account-XXX-XXX-XXX:XXX:XXX; Document Uploaded. ; Ready for Review- - XXX Account-XXX-XXX-XXX:XXX:XXX; 1/29/2026 Borrower 1 CPA Letter Provided; Borrower 1 CPA Letter Provided; Business narratives, business documents provided; CPA Letter indicates sole ownership. Please provide documentation to support description of how the business operates, business structure, number of locations/XXXs and the company website (if applicable). Business Narrative.; CPA Letter indicates sole ownership. Please provide documentation to support description of how the business operates, business structure, number of locations/XXXs and the company website (if applicable). Business Narrative. ; Borrower 1 CPA Letter Missing Letter from XXX or a tax preparer verifying the borrower's ownership percentage along with a business narrative letter are missing. The Lender utilized XXX% Expense Ratio without justification for the calculation. Please provide documentation to support business ownership percentage and description of how the business operates, business structure, number of locations/XXXs and the company website (if applicable). 01/29/2026 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 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
6000117029 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX QM: Safe Harbor APOR (APOR SH) Loan Review Complete 01/23/2026 Cured finding-651 Compliance TILA Finance Charge Test This loan failed the TILA finance charge test.(12 CFR §1026.38(o)(2) he finance charge is $XXX. The disclosed finance charge of XXX is not considered accurate because it is underStated by more than XXX TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery and reopen rescission. The fees included in the finance charge calculation include: Administration Fee paid by Borrower: XXX Attorney's Fee (Closing Agent and Other Title Services) XXX Underwriting Fee XXX Verification Of Employment Fee XXX Processing fee XXX Doc Prep XXX Credit services XXX Courier XXX Electronic Recording service XXX Settlement/closing XXX title archive XXX prepaid interest $XXX. Total XXX The refund package has been uploaded to include XXX tracking label, XXX refund check for $XXX; XXX revised CD with COC; XXX LOE to borrower. --XXX; Ready for Review- - XXX Account-XXX-XXX-XXX:XXX:XXX; 1/29/2026 Cure package provided to the borrower; exception downgraded to a 2/B; Cure package provided to the borrower; exception downgraded to a 2/B; This loan failed the TILA finance charge test.(12 CFR §1026.38(o)(2) he finance charge is $XXX. The disclosed finance charge of XXX is not considered accurate because it is underStated by more than $XXX.; 01/29/2026 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 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
6000117029 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX QM: Safe Harbor APOR (APOR SH) Loan Review Complete 01/22/2026 Resolved FPRO8998 Property No Property Findings Property and valuations related findings were not identified on the loan.     Informational 01/23/2026 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 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
6000117030 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 01/30/2026 Resolved FCRE1146 Credit Title Document is Partially Present Title Document is incomplete or only partially present. Subject was purchased XXX and vested as Family Trust per Preliminary title pg XXX. Grant Deed pg XXX transferring out of Trust into XXX and XXX, husband and wife as joint tenants. Provide updated title with corrected vesting. Additional conditions may apply based on documentation provided. ; hi page XXX of the PDF of the final title policy reflects the new vesting as individuals. thank you --XXX; 2/3/2026 Title Document is fully Present.; Client provided Loan Policy reflecting XXX and XXX husband and wife as joint tenants. LM Updated.; Title Document is incomplete or only partially present. Subject was purchased XXX and vested as Family Trust per Preliminary title pg XXX. Grant Deed pg XXX transferring out of Trust into XXX and XXX, husband and wife as joint tenants. Provide updated title with corrected vesting. Additional conditions may apply based on documentation provided. 02/03/2026 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
6000117030 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 01/29/2026 Resolved FCOM8997 Compliance No Compliance Findings The loan is in compliance with all applicable laws and regulations.     Informational 01/30/2026 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
6000117030 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 01/30/2026 Resolved FPRO8998 Property No Property Findings Property and valuations related findings were not identified on the loan.     Informational 01/30/2026 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
6000117031 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX QM: Safe Harbor APOR (APOR SH) Loan Review Complete 01/29/2026 Resolved FCOM5135 Compliance Missing Required Affiliated Business Disclosure Required Affiliated Business Disclosure Missing Please provide Affiliated Business Disclosure within XXX days of XXX XX/XX/XXXX or provide confirmation the lender has no affiliates. ; ; 2/11/2026 Required Affiliated Business Disclosure Documentation Provided 02/11/2026 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% 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 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
6000117031 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX QM: Safe Harbor APOR (APOR SH) Loan Review Complete 01/29/2026 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)). Provide evidence the appraisal was delivered to the borrower a minimum of XXX business days prior to consummation. see page XXX; see page XXX; see page XXX; see page XXX; attached is the email to the borrower when we received the appraisal back --XXXs; 2/5/2026 Evidence of appraisal delivery provided. 02/11/2026 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% 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 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
6000117031 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX QM: Safe Harbor APOR (APOR SH) Loan Review Complete 01/29/2026 Resolved FCOM9186 Compliance eSigned Documents Consent is Missing The signed consent disclosure is missing. Provide the e-consent dated on or prior to the earliest electronic signature XX/XX/XXXX. The e-consent provided is dated after XX/XX/XXXX.   1/30/2026 Evidence of eConsent is provided. The eSigned documents consent is missing. 02/11/2026 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% 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 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
6000117031 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX QM: Safe Harbor APOR (APOR SH) Loan Review Complete 01/30/2026 Resolved FPRO8998 Property No Property Findings Property and valuations related findings were not identified on the loan.     Informational 01/30/2026 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. 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
6000117031 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX QM: Safe Harbor APOR (APOR SH) Loan Review Complete 01/30/2026 Resolved FCRE8999 Credit No Credit Findings The loan meets all applicable credit guidelines.     Informational 01/30/2026 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. 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
6000117032 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX QM: Safe Harbor APOR (APOR SH) Loan Review Complete 02/05/2026 Resolved FCRE9992 Credit Borrower Contributions Do Not Met Guideline Minimum Percent of Borrowers Funds for Down Payment of XXX% does not meet guideline minimum XXX% ; 2/10/2026 Borrower Contributions Meet Guidelines; Percent of Borrowers Funds for Down Payment of XXX% does not meet guideline minimum XXX% 02/10/2026 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 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
6000117032 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX QM: Safe Harbor APOR (APOR SH) Loan Review Complete 01/29/2026 Resolved FCRE1198 Credit Audited Reserves are less than Guideline Required Reserves (Number of Months) Audited Reserves of XX/XX/XXXX month(s) are less than Guideline Required Reserves of XXX month(s) Post Close CD in file discloses an additional deposit of XXX that was not documented in file. Please provide additional documentation to source the funds to close which would then allow for sufficient assets to cover required reserves. ; ; 2/10/2026 Audited Reserves of XXX month(s) are greater than or equal to Guideline Required Reserves of XXX month(s); B of A Statement #XXX provided, payoffs of property taxes for XXX and XXX provided 02/10/2026 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 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
6000117032 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX QM: Safe Harbor APOR (APOR SH) Loan Review Complete 01/29/2026 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. Post Close CD in file discloses an additional deposit of XXX that was not documented in file. Please provide additional documentation to source the funds to close which would then allow for sufficient assets to cover required reserves. ; ; 2/10/2026 Audited Reserves of XXX are equal to or greater than AUS Required Reserves of $XXX.; B of A Statement #XXX provided, payoffs of property taxes for XXX and XXX provided 02/10/2026 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 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
6000117032 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX QM: Safe Harbor APOR (APOR SH) Loan Review Complete 01/29/2026 Resolved FCRE1201 Credit Third Party Fraud Report not Provided Missing Third Party Fraud Report ; 2/10/2026 Third Party Fraud Report is provided; Third Party Fraud Report is provided; Fraud provided 02/10/2026 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
6000117033 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 01/30/2026 Resolved FCRE1146 Credit Title Document is Partially Present Title Document is incomplete or only partially present. Preliminary Title in file vested in XXX (seller). Sch B, Part I requirements listed the proposed insured info be provided along with cert of good standing, resolution and operating agreement for both the selling LLC and purchasing LLC. Warranty Deed in file however, updated Title is required. ; 2/6/2026 Title Document is fully Present.; Certificate of Good standing provided ; Title Document is incomplete or only partially present. Preliminary Title in file vested in XXX (seller). Sch B, Part I requirements listed the proposed insured info be provided along with cert of good standing, resolution and operating agreement for both the selling LLC and purchasing LLC. Warranty Deed in file however, updated Title is required. 02/06/2026 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
6000117033 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 01/30/2026 Resolved FCOM8997 Compliance No Compliance Findings The loan is in compliance with all applicable laws and regulations.     Informational 02/03/2026 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
6000117033 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 02/02/2026 Resolved FPRO8998 Property No Property Findings Property and valuations related findings were not identified on the loan.     Informational 02/03/2026 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
6000117035 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 02/03/2026 Resolved FCRE1201 Credit Third Party Fraud Report not Provided Missing Third Party Fraud Report The file is missing the required Fraud Report. ; 2/5/2026 Third Party Fraud Report is provided; Fraud provided; Missing Third Party Fraud Report The file is missing the required Fraud Report. 02/05/2026 Original CLTV is Below the Guideline Maximum - Calculated CLTV of 35.48% is less than Guideline CLTV of 75% 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 35.48% is less than Guideline LTV of 75% 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
6000117035 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 02/02/2026 Resolved FCOM8997 Compliance No Compliance Findings The loan is in compliance with all applicable laws and regulations.     Informational 02/03/2026 Original CLTV is Below the Guideline Maximum - Calculated CLTV of 35.48% is less than Guideline CLTV of 75% 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 35.48% is less than Guideline LTV of 75% 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
6000117035 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 02/03/2026 Resolved FPRO8998 Property No Property Findings Property and valuations related findings were not identified on the loan.     Informational 02/03/2026 Original CLTV is Below the Guideline Maximum - Calculated CLTV of 35.48% is less than Guideline CLTV of 75% 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 35.48% is less than Guideline LTV of 75% 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
6000117036 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 02/02/2026 Resolved FCOM8997 Compliance No Compliance Findings The loan is in compliance with all applicable laws and regulations.     Informational 02/03/2026 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. A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
6000117036 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 02/03/2026 Resolved FCRE8999 Credit No Credit Findings The loan meets all applicable credit guidelines.     Informational 02/03/2026 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. A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
6000117036 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 02/03/2026 Resolved FPRO8998 Property No Property Findings Property and valuations related findings were not identified on the loan.     Informational 02/03/2026 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. A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
6000117025 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX QM: Safe Harbor APOR (APOR SH) Loan Review Complete 02/02/2026 Acknowledged FCRE1198 Credit Audited Reserves are less than Guideline Required Reserves (Number of Months) Audited Reserves of XX/XX/XXXX month(s) are less than Guideline Required Reserves of XXX month(s) XXX Non-Agency GLs dated XXX require XXX for the subject loan amount of XXX The Final 1003 lists one bank account with XXX with a balance of $XXX. There are XXX accounts verified in file, none having the same account # that appears on the 1003 and balances do not come close to the $XXX indicated, resulting in a shortage of reserves. ; Ready for Review-Ready for Review-Ready for Review-Ready for Review-Ready for Review-Ready for Review-Ready for Review-Document Uploaded. - XXX-XXX-XXX-XXX:XXX:XXX - XXX Account-XXX-XXX-XXX:XXX:XXX - XXX Account-XXX-XXX-XXX:XXX:XXX - XXX Account-XXX-XXX-XXX:XXX:XXX - XXX Account-XXX-XXX-XXX:XXX:XXX - XXX Account-XXX-XXX-XXX:XXX:XXX - XXX Account-XXX-XXX-XXX:XXX:XXX; Ready for Review-Ready for Review-Ready for Review-Ready for Review-Ready for Review-Ready for Review-Document Uploaded. - XXX-XXX-XXX-XXX:XXX:XXX - XXX Account-XXX-XXX-XXX:XXX:XXX - XXX Account-XXX-XXX-XXX:XXX:XXX - XXX Account-XXX-XXX-XXX:XXX:XXX - XXX Account-XXX-XXX-XXX:XXX:XXX - XXX Account-XXX-XXX-XXX:XXX:XXX; Ready for Review-Ready for Review-Ready for Review-Ready for Review-Ready for Review-Document Uploaded. - XXX-XXX-XXX-XXX:XXX:XXX - XXX Account-XXX-XXX-XXX:XXX:XXX - XXX Account-XXX-XXX-XXX:XXX:XXX - XXX Account-XXX-XXX-XXX:XXX:XXX - XXX Account-XXX-XXX-XXX:XXX:XXX; Ready for Review-Ready for Review-Ready for Review-Ready for Review-Document Uploaded. - XXX-XXX-XXX-XXX:XXX:XXX - XXX Account-XXX-XXX-XXX:XXX:XXX - XXX Account-XXX-XXX-XXX:XXX:XXX - XXX Account-XXX-XXX-XXX:XXX:XXX; Ready for Review-Ready for Review-Ready for Review-Document Uploaded. - XXX-XXX-XXX-XXX:XXX:XXX - XXX Account-XXX-XXX-XXX:XXX:XXX - XXX Account-XXX-XXX-XXX:XXX:XXX; Ready for Review-Ready for Review-Document Uploaded. - XXX-XXX-XXX-XXX:XXX:XXX - XXX Account-XXX-XXX-XXX:XXX:XXX; Ready for Review-Document Uploaded. - XXX-XXX-XXX-XXX:XXX:XXX; Document Uploaded. ; 3/4/2026 ; Client acknowledges this condition. ; ;.;.; ; Client provided Updated 1003 Reflecting account numbers for accounts and XXX #XXX Statement XX/XX/XXXX with a balance of $XXX. Audited Reserves of XX/XX/XXXX month(s) are less than Guideline Required Reserves of XXX month(s) XXX Non-Agency GLs dated XXX.; ; updated 1003 provided with all account numbers, however XXX #XXX Statement XX/XX/XXXX/(XXX has a balance of XXX Statement says the average ledger balance was XXX but this is not the account balance. ; updated 1003 provided with all account numbers, however XXX #XXX Statement XX/XX/XXXX/(XXX has a balance of XXX Statement says the average ledger balance was XXX but this is not the account balance. ; New 1003 provided with additional accounts; Audited Reserves of XX/XX/XXXX month(s) are less than Guideline Required Reserves of XXX month(s) XXX Non-Agency GLs dated XXX require XXX for the subject loan amount of XXX The Final 1003 lists one bank account with XXX with a balance of $XXX. There are XXX accounts verified in file, none having the same account # that appears on the 1003 and balances do not come close to the $XXX indicated, resulting in a shortage of reserves.; Audited Reserves of XX/XX/XXXX month(s) are less than Guideline Required Reserves of XXX month(s) XXX Non-Agency GLs dated XXX require XXX for the subject loan amount of XXX The Final 1003 lists one bank account with XXX with a balance of $XXX. There are XXX accounts verified in file, none having the same account # that appears on the 1003 and balances do not come close to the $XXX indicated, resulting in a shortage of reserves. 03/20/2026 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 C B A A B A C C A B C C A B C C A B C C A B C C A B B B A A B B A A B B A A B B A A B B A A
6000117025 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX QM: Safe Harbor APOR (APOR SH) Loan Review Complete 02/02/2026 Acknowledged 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 Non-Agency GLs dated XXX require XXX for the subject loan amount of XXX The Final 1003 lists one bank account with XXX with a balance of $XXX. There are XXX accounts verified in file, none having the same account # that appears on the 1003 and balances do not come close to the $XXX indicated, resulting in a shortage of reserves. ; Ready for Review-Ready for Review-Ready for Review-Ready for Review-Ready for Review-Ready for Review-Ready for Review-Document Uploaded. - XXX-XXX-XXX-XXX:XXX:XXX - XXX Account-XXX-XXX-XXX:XXX:XXX - XXX Account-XXX-XXX-XXX:XXX:XXX - XXX Account-XXX-XXX-XXX:XXX:XXX - XXX Account-XXX-XXX-XXX:XXX:XXX - XXX Account-XXX-XXX-XXX:XXX:XXX - XXX Account-XXX-XXX-XXX:XXX:XXX; Ready for Review-Ready for Review-Ready for Review-Ready for Review-Ready for Review-Ready for Review-Document Uploaded. - XXX-XXX-XXX-XXX:XXX:XXX - XXX Account-XXX-XXX-XXX:XXX:XXX - XXX Account-XXX-XXX-XXX:XXX:XXX - XXX Account-XXX-XXX-XXX:XXX:XXX - XXX Account-XXX-XXX-XXX:XXX:XXX - XXX Account-XXX-XXX-XXX:XXX:XXX; Ready for Review-Ready for Review-Ready for Review-Ready for Review-Ready for Review-Document Uploaded. - XXX-XXX-XXX-XXX:XXX:XXX - XXX Account-XXX-XXX-XXX:XXX:XXX - XXX Account-XXX-XXX-XXX:XXX:XXX - XXX Account-XXX-XXX-XXX:XXX:XXX - XXX Account-XXX-XXX-XXX:XXX:XXX; Ready for Review-Ready for Review-Ready for Review-Ready for Review-Document Uploaded. - XXX-XXX-XXX-XXX:XXX:XXX - XXX Account-XXX-XXX-XXX:XXX:XXX - XXX Account-XXX-XXX-XXX:XXX:XXX - XXX Account-XXX-XXX-XXX:XXX:XXX; Ready for Review-Ready for Review-Ready for Review-Document Uploaded. - XXX-XXX-XXX-XXX:XXX:XXX - XXX Account-XXX-XXX-XXX:XXX:XXX - XXX Account-XXX-XXX-XXX:XXX:XXX; Ready for Review-Ready for Review-Document Uploaded. - XXX-XXX-XXX-XXX:XXX:XXX - XXX Account-XXX-XXX-XXX:XXX:XXX; Ready for Review-Document Uploaded. - XXX-XXX-XXX-XXX:XXX:XXX; Document Uploaded. ; 3/4/2026 ; Client acknowledges this condition. ; ;.;.; ; Client provided Updated 1003 Reflecting account numbers for accounts. LM Updated. However, Audited Reserves of XXX are less than Guideline Required Reserves of $XXX.; ; updated 1003 provided with all account numbers, however XXX #XXX Statement XX/XX/XXXX/(XXX has a balance of XXX Statement says the average ledger balance was XXX but this is not the account balance. ; updated 1003 provided with all account numbers, however XXX #XXX Statement XX/XX/XXXX/(XXX has a balance of XXX Statement says the average ledger balance was XXX but this is not the account balance. ; updated 1003 provided with all account numbers, however XXX #XXX Statement XX/XX/XXXX/(XXX has a balance of XXX Statement says the average ledger balance was XXX but this is not the account balance. ; Audited Reserves of XXX are less than Guideline Required Reserves of $XXX. XXX Non-Agency GLs dated XXX require XXX for the subject loan amount of XXX The Final 1003 lists one bank account with XXX with a balance of $XXX. There are XXX accounts verified in file, none having the same account # that appears on the 1003 and balances do not come close to the $XXX indicated, resulting in a shortage of reserves.; Audited Reserves of XXX are less than Guideline Required Reserves of $XXX. XXX Non-Agency GLs dated XXX require XXX for the subject loan amount of XXX The Final 1003 lists one bank account with XXX with a balance of $XXX. There are XXX accounts verified in file, none having the same account # that appears on the 1003 and balances do not come close to the $XXX indicated, resulting in a shortage of reserves. 03/20/2026 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 C B A A B A C C A B C C A B C C A B C C A B C C A B B B A A B B A A B B A A B B A A B B A A
6000117025 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX QM: Safe Harbor APOR (APOR SH) Loan Review Complete 02/02/2026 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. ; ; Document Uploaded. ; 3/4/2026 Required Affiliated Business Disclosure Documentation Provided 03/04/2026 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 B A C B A A B A C C A B C C A B C C A B C C A B C C A B B B A A B B A A B B A A B B A A B B A A
6000117025 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX QM: Safe Harbor APOR (APOR SH) Loan Review Complete 02/02/2026 Resolved FPRO8998 Property No Property Findings Property and valuations related findings were not identified on the loan.     Informational 02/03/2026 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 C B A A B A C C A B C C A B C C A B C C A B C C A B B B A A B B A A B B A A B B A A B B A A
6000117037 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 02/03/2026 Resolved FCRE1483 Credit Asset 5 Does Not Meet Guideline Requirements Asset 5 Does Not Meet Guideline Requirements Gift letter from XXXXX States to his wife, file documents reflect she is not married. ; 2/16/2026 Asset 5 Meets Guideline Requirements Or XXX; Client provided LOE stating the marital status was made in error and updated 1003 reflecting the Borrower is married. The Borrower is currently married.; Asset 5 Does Not Meet Guideline Requirements Gift letter from XXX States to his wife, file documents reflect she is not married. 02/16/2026   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
6000117037 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 02/03/2026 Resolved FCOM1233 Credit The Final 1003 is Incomplete The Final 1003 is Incomplete Applications in file indicate that the borrower is unmarried however, the Gift letter discloses that the donor (XXX) is her husband. Please provide a corrected final application. Additional conditions may apply based on the documentation provided. ; 2/16/2026 The Final 1003 is Present; Client provided updated 1003 reflecting the Borrower is married. LM Updated.; The Final 1003 is Incomplete Applications in file indicate that the borrower is unmarried however, the Gift letter discloses that the donor (XXX) is her husband. Please provide a corrected final application. Additional conditions may apply based on the documentation provided. 02/16/2026   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
6000117037 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 02/03/2026 Resolved FCRE1254 Credit Property Title Issue Property Title Issue Loan applications and warranty deed vesting shows borrower as unmarried, however, gift letter discloses XXX as the borrower's husband. ; 2/16/2026 Property Title Issue Resolved; Client provided LOE stating the marital status was made in error. LM Updated.; Property Title Issue Resolved; Property Title Issue Loan applications and warranty deed vesting shows borrower as unmarried, however, gift letter discloses XXX as the borrower's husband. 02/16/2026   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
6000117037 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 02/02/2026 Resolved FCRE1491 Credit Asset Qualification Does Not Meet Guideline Requirements Asset Qualification Does Not Meet Guideline Requirements All asset Statements in file are held jointly with non-borrower, XXX. Although the gift letter in file indicates XXX is the borrower's spouse, the loan applications and the warranty deed confirm the borrower is unmarried. Per guidelines, joint accounts may be considered if the non-borrower is also on title or a written verification of deposit or an access letter is provided showing the borrower has authorized access to all funds; these documents were not provided. ; 2/16/2026 Asset Qualification Meets Guideline Requirements; Client provided LOE stating the marital status was made in error and updated 1003 reflecting the Borrower is married. The Borrower is currently married.; Asset Qualification Does Not Meet Guideline Requirements All asset Statements in file are held jointly with non-borrower, XXX. Although the gift letter in file indicates XXX is the borrower's spouse, the loan applications and the warranty deed confirm the borrower is unmarried. Per guidelines, joint accounts may be considered if the non-borrower is also on title or a written verification of deposit or an access letter is provided showing the borrower has authorized access to all funds; these documents were not provided. 02/16/2026   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
6000117037 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 02/02/2026 Resolved FCOM8997 Compliance No Compliance Findings The loan is in compliance with all applicable laws and regulations.     Informational 02/03/2026   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
6000117037 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 02/02/2026 Resolved FPRO8998 Property No Property Findings Property and valuations related findings were not identified on the loan.     Informational 02/03/2026   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
6000117039 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 02/03/2026 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. Borrower purchased XXX XXX the day prior to this subject transaction using the same asset balances. Funds required to close for that transaction in the amount of XXX were excluded from available assets. Remaining funds are insufficient to satisfy reserve requirements. ; Ready for Review-Ready for Review-Ready for Review-Ready for Review-Ready for Review- - XXX Account-XXX-XXX-XXX:XXX:XXX - XXX Account-XXX-XXX-XXX:XXX:XXX - XXX Account-XXX-XXX-XXX:XXX:XXX - XXX Account-XXX-XXX-XXX:XXX:XXX - XXX Account-XXX-XXX-XXX:XXX:XXX; Ready for Review-Ready for Review-Ready for Review-Ready for Review- - XXX Account-XXX-XXX-XXX:XXX:XXX - XXX Account-XXX-XXX-XXX:XXX:XXX - XXX Account-XXX-XXX-XXX:XXX:XXX - XXX Account-XXX-XXX-XXX:XXX:XXX; Ready for Review-Ready for Review-Ready for Review- - XXX Account-XXX-XXX-XXX:XXX:XXX - XXX Account-XXX-XXX-XXX:XXX:XXX - XXX Account-XXX-XXX-XXX:XXX:XXX; Ready for Review-Ready for Review- - XXX Account-XXX-XXX-XXX:XXX:XXX - XXX Account-XXX-XXX-XXX:XXX:XXX; Ready for Review- - XXX Account-XXX-XXX-XXX:XXX:XXX; 2/19/2026 Audited Reserves of XXX are equal to or greater than AUS Required Reserves of $XXX.XXX.; LOE on private sale of investment property does not provide evidence of reserves required on loan. ; Client provided LOE stating the borrower experience as an investor. However, LOE does not verify funds to close. ; Client provided LOE stating the borrower experience as an investor. However, LOE does not verify funds to close. ; Client provided LOE stating the borrower experience as an investor. However, LOE does not verify funds to close. ; Client provided LOE stating the borrower experience as an investor. Audited Reserves of XXX are less than Guideline Required Reserves of $XXX .XXX. Borrower purchased XXX XXX the day prior to this subject transaction using the same asset balances. Funds required to close for that transaction in the amount of XXX were excluded from available assets. Remaining funds are insufficient to satisfy reserve requirements. ; Audited Reserves of XXX are less than Guideline Required Reserves of $XXX.XXX. Borrower purchased XXX XXX the day prior to this subject transaction using the same asset balances. Funds required to close for that transaction in the amount of XXX were excluded from available assets. Remaining funds are insufficient to satisfy reserve requirements.; Audited Reserves of XXX are less than Guideline Required Reserves of $XXX.XXX. Borrower purchased XXX XXX the day prior to this subject transaction using the same asset balances. Funds required to close for that transaction in the amount of XXX were excluded from available assets. Remaining funds are insufficient to satisfy reserve requirements. 02/19/2026   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
6000117039 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 02/03/2026 Resolved FCRE1491 Credit Asset Qualification Does Not Meet Guideline Requirements Asset Qualification Does Not Meet Guideline Requirements All asset Statements in file are held jointly with non-borrower, XXX. Although the gift letter in file indicates XXX is the borrower's spouse, the loan applications and the warranty deed confirm the borrower is unmarried. Per guidelines, joint accounts may be considered if the non-borrower is also on title or a written verification of deposit or an access letter is provided showing the borrower has authorized access to all funds; these documents were not provided. ; ; ; 2/19/2026 Asset Qualification Meets Guideline Requirements; Client provided LOE stating the marital status was made in error and updated 1003 reflecting the Borrower is married. The Borrower is currently married. LM Updated.; Asset Qualification Does Not Meet Guideline Requirements All asset Statements in file are held jointly with non-borrower, XXX. Although the gift letter in file indicates XXX is the borrower's spouse, the loan applications and the warranty deed confirm the borrower is unmarried. Per guidelines, joint accounts may be considered if the non-borrower is also on title or a written verification of deposit or an access letter is provided showing the borrower has authorized access to all funds; these documents were not provided. 02/19/2026   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
6000117039 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 02/03/2026 Resolved FCOM1233 Credit The Final 1003 is Incomplete The Final 1003 is Incomplete Applications in file indicate that the borrower is unmarried however, the Gift letter discloses that the donor (XXX) is her husband. Please provide a corrected final application. Additional conditions may apply based on the documentation provided. ; ; 2/19/2026 The Final 1003 is Present; The Final 1003 is Incomplete The Final 1003 is Incomplete Applications in file indicate that the borrower is unmarried however, the Gift letter discloses that the donor (XXX) is her husband. Please provide a corrected final application. Additional conditions may apply based on the documentation provided. 02/19/2026   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
6000117039 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 02/03/2026 Resolved FCRE1254 Credit Property Title Issue Property Title Issue Loan application and warranty deed vesting shows borrower as unmarried, however, gift letter discloses XXX as the borrower's husband. ; ; 2/19/2026 Property Title Issue Resolved; Client provided LOE stating the marital status was made in error. The Borrower is currently married. LM Updated. ; Property Title Issue Resolved; Property Title Issue Loan application and warranty deed vesting shows borrower as unmarried, however, gift letter discloses XXX as the borrower's husband. 02/19/2026   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
6000117039 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 02/03/2026 Resolved FCRE1198 Credit Audited Reserves are less than Guideline Required Reserves (Number of Months) Audited Reserves of XXX month(s) are less than Guideline Required Reserves of XXX month(s) Borrower purchased XXX XXX the day prior to this subject transaction using the same asset balances. Funds required to close for that transaction in the amount of XXX were excluded from available assets. Remaining funds are insufficient to satisfy reserve requirements. ; Ready for Review-Ready for Review- - XXX Account-XXX-XXX-XXX:XXX:XXX - XXX Account-XXX-XXX-XXX:XXX:XXX; Ready for Review- - XXX Account-XXX-XXX-XXX:XXX:XXX; 2/19/2026 Audited Reserves of XX/XX/XXXX month(s) are greater than or equal to Guideline Required Reserves of XXX month(s); Client provided LOE stating the borrower experience as an investor. However, LOE does not verify funds to close. ; Client provided LOE stating the borrower experience as an investor. However, LOE does not verify funds to close. ; Client provided LOE stating the borrower experience as an investor. Audited Reserves of XXX month(s) are less than Guideline Required Reserves of XXX month(s) Borrower purchased XXX XXX the day prior to this subject transaction using the same asset balances. Funds required to close for that transaction in the amount of XXX were excluded from available assets. Remaining funds are insufficient to satisfy reserve requirements. ; Audited Reserves of XXX month(s) are less than Guideline Required Reserves of XXX month(s) Borrower purchased XXX XXX the day prior to this subject transaction using the same asset balances. Funds required to close for that transaction in the amount of XXX were excluded from available assets. Remaining funds are insufficient to satisfy reserve requirements. 02/19/2026   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
6000117039 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 02/02/2026 Resolved FCOM8997 Compliance No Compliance Findings The loan is in compliance with all applicable laws and regulations.     Informational 02/03/2026   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
6000117039 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 02/03/2026 Resolved FPRO8998 Property No Property Findings Property and valuations related findings were not identified on the loan.     Informational 02/03/2026   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
6000117041 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 02/03/2026 Resolved FCRE5123 Credit Missing Business Entity Formation Document Subject loan is vested in an LLC. Guidelines require the Articles of Organization/Certificate of Formation and a Certificate of Good Standing, which are not in the file. ; ; 2/11/2026 ; Cert of good standing provided. 02/11/2026 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
6000117041 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 02/03/2026 Resolved FCRE8201 Credit Loan does not conform to program guidelines The subject mortgage is vested in a business entity. Per XXX Non-Agency Underwriting Guidelines dated XXX, a XXX Entity Review Checklist is required and has not been provided. ; 2/11/2026 Client provided XXX XXX Entity Review Checklist. LM Updated. 02/11/2026 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
6000117041 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 02/03/2026 Resolved FCOM8997 Compliance No Compliance Findings The loan is in compliance with all applicable laws and regulations.     Informational 02/04/2026 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
6000117041 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 02/03/2026 Resolved FPRO8998 Property No Property Findings Property and valuations related findings were not identified on the loan.     Informational 02/04/2026 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
6000117043 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 02/05/2026 Resolved FCRE5123 Credit Missing Business Entity Formation Document Operating Agreement in file has a signature that does not match other Entity or Closing documents provided. ; ; Document Uploaded. ; 2/19/2026 ; Signed operating agreement provided 02/19/2026 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
6000117043 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 02/05/2026 Resolved FCRE1440 Credit Housing History Does Not Meet Guideline Requirements Housing History Does Not Meet Guideline Requirements The Verification of Mortgage documentation provided to support the payment history on the subject property disclosed the mortgage account was in the name of XXX XXX and should be in the name of XXX. ; ; 2/19/2026 Housing History Meets Guideline Requirements; Client provided VOM for XXX in the name of the Borrower. LM Updated.; Housing History Does Not Meet Guideline Requirements The Verification of Mortgage documentation provided to support the payment history on the subject property disclosed the mortgage account was in the name of XXX and should be in the name of XXX. 02/19/2026 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
6000117043 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 02/05/2026 Resolved FCRE1182 Credit Approval/Underwriting Summary Not Provided Missing Approval/Underwriting Summary. The required XXX Entity Review Checklist was not completed and disclosed an EIN number XXX which did not match the IRS EIN XXX-XXX. ; XXX Acknowledges and accepts the checklist is incomplete. We do not wish to make the seller complete this checklist. Please acknowledge the finding and complete the loan. Thank you!; ; Ready for Review-Ready for Review-Ready for Review- - XXX Account-XXX-XXX-XXX:XXX:XXX - XXX Account-XXX-XXX-XXX:XXX:XXX - XXX Account-XXX-XXX-XXX:XXX:XXX; Ready for Review-Ready for Review- - XXX Account-XXX-XXX-XXX:XXX:XXX - XXX Account-XXX-XXX-XXX:XXX:XXX; Ready for Review- - XXX Account-XXX-XXX-XXX:XXX:XXX; 2/19/2026 Approval/Underwriting Summary is fully present; Entity Review Checklist provided, document is not complete but accepted by XXX. ; Entity review checklist has not been completed, EIN matches. ; XXX Entity Review Checklist with correct EIN provided, document has not been filled out. ; Missing Approval/Underwriting Summary. The required XXX Entity Review Checklist was not completed and disclosed an EIN number XXX which did not match the IRS EIN XXX-XXX. 02/19/2026 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 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
6000117043 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 02/04/2026 Resolved FCOM8997 Compliance No Compliance Findings The loan is in compliance with all applicable laws and regulations.     Informational 02/05/2026 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
6000117043 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 02/05/2026 Resolved FPRO8998 Property No Property Findings Property and valuations related findings were not identified on the loan.     Informational 02/05/2026 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
6000117034 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Loan Review Complete 02/04/2026 Resolved FCOM8997 Compliance No Compliance Findings The loan is in compliance with all applicable laws and regulations.     Informational 02/05/2026 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 56.6% is less than Guideline LTV of 80% Original CLTV is Below the Guideline Maximum - Calculated CLTV of 56.6% 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
6000117034 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Loan Review Complete 02/04/2026 Resolved FCRE8999 Credit No Credit Findings The loan meets all applicable credit guidelines.     Informational 02/05/2026 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 56.6% is less than Guideline LTV of 80% Original CLTV is Below the Guideline Maximum - Calculated CLTV of 56.6% 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
6000117034 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Loan Review Complete 02/04/2026 Resolved FPRO8998 Property No Property Findings Property and valuations related findings were not identified on the loan.     Informational 02/05/2026 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 56.6% is less than Guideline LTV of 80% Original CLTV is Below the Guideline Maximum - Calculated CLTV of 56.6% 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
6000117044 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 02/05/2026 Resolved FCOM8997 Compliance No Compliance Findings The loan is in compliance with all applicable laws and regulations.     Informational 02/06/2026   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
6000117044 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 02/06/2026 Resolved FCRE8999 Credit No Credit Findings The loan meets all applicable credit guidelines.     Informational 02/06/2026   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
6000117044 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 02/06/2026 Resolved FPRO8998 Property No Property Findings Property and valuations related findings were not identified on the loan.     Informational 02/06/2026   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
6000117046 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 02/05/2026 Resolved FCRE8201 Credit Loan does not conform to program guidelines The subject mortgage is vested in the borrower's LLC and approved as a DSCR loan. Per XXX DSCR guidelines, a XXX Entity Review Checklist is required but has not been provided. ; 2/9/2026 XXX Entity review checklist provided ; XXX Entity review checklist provided 02/09/2026   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
6000117046 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 02/05/2026 Resolved FPRO8998 Property No Property Findings Property and valuations related findings were not identified on the loan.     Informational 02/06/2026   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
6000117046 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 02/05/2026 Resolved FCOM8997 Compliance No Compliance Findings The loan is in compliance with all applicable laws and regulations.     Informational 02/06/2026   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
6000117047 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 02/06/2026 Resolved FCRE0377 Credit The Total Hazard Coverage is LESS than the Required Coverage Amount The hazard insurance dwelling coverage of XXX is insufficient, not meeting the required coverage amount of ($XXX). Lender guidelines follow FNMA coverage requirements. FNMA B7-XXX-XXX requires coverage sufficient to cover the lesser of the replacement cost value of XXX or XXX% of the replacement cost ($XXX), if the loan amount is less than the replacement cost value. The coverage of XXX does not meet the minimum required amount of $XXX. ; Document Uploaded. ; Per Policy Endorsement dated XX/XX/XXXX, Policy includes Extended Coverage which satisfies requirement.; Ready for Review-There are no comments listed here. Is this condition still in review or is it cleared? --XXX - XXX Account-XXX-XXX-XXX:XXX:XXX; There are no comments listed here. Is this condition still in review or is it cleared? --XXX; 2/16/2026 The Total Hazard Coverage is greater than or equal to the Required Coverage Amount; Client provided updated Declarations page reflecting Dwelling Coverage XXX with Extended Coverage. LM Updated.; No documents provided by client to clear this condition, still original finding. ; The hazard insurance dwelling coverage of XXX is insufficient, not meeting the required coverage amount of ($XXX). Lender guidelines follow FNMA coverage requirements. FNMA B7-XXX-XXX requires coverage sufficient to cover the lesser of the replacement cost value of XXX or XXX% of the replacement cost ($XXX), if the loan amount is less than the replacement cost value. The coverage of XXX does not meet the minimum required amount of $XXX. 02/16/2026   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
6000117047 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 02/05/2026 Resolved FCOM8997 Compliance No Compliance Findings The loan is in compliance with all applicable laws and regulations.     Informational 02/06/2026   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
6000117047 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 02/05/2026 Resolved FPRO8998 Property No Property Findings Property and valuations related findings were not identified on the loan.     Informational 02/06/2026   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
6000117048 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 02/06/2026 Resolved FCRE0377 Credit The Total Hazard Coverage is LESS than the Required Coverage Amount The hazard insurance dwelling coverage of XXX is insufficient, not meeting the required coverage amount of ($XXX). Lender guidelines follow FNMA coverage requirements. FNMA B7-XXX-XXX requires coverage sufficient to cover the lesser of the replacement cost value of XXX or XXX% of the replacement cost ($XXX), if the loan amount is less than the replacement cost value. The coverage of XXX does not meet the minimum required amount of XXX ; 2/12/2026 The Total Hazard Coverage is greater than or equal to the Required Coverage Amount; The hazard insurance dwelling coverage of XXX is insufficient, not meeting the required coverage amount of ($XXX). Lender guidelines follow FNMA coverage requirements. FNMA B7-XXX-XXX requires coverage sufficient to cover the lesser of the replacement cost value of XXX or XXX% of the replacement cost ($XXX), if the loan amount is less than the replacement cost value. The coverage of XXX does not meet the minimum required amount of XXX 02/12/2026   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
6000117048 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 02/05/2026 Resolved FCRE8201 Credit Loan does not conform to program guidelines The subject mortgage is vested in the Borrower's LLC and approved as a DSCR loan. Per XXX DSCR GLs dated XXX, a XXX Entity Review Checklist is required but has not been provided. Additionally, the Lender GLs require a current Certificate of Good Standing for the Borrower's LLC. The certificate in file is dated XXX; subject loan closed XXX. Lender to provide more current Certificate of Good Standing. ; please advise if this was cleared --XXX XXX; Document Uploaded. ; Ready for Review-Ready for Review- - XXX Account-XXX-XXX-XXX:XXX:XXX - XXX Account-XXX-XXX-XXX:XXX:XXX; Ready for Review- - XXX Account-XXX-XXX-XXX:XXX:XXX; 2/12/2026 Entity review provided; ; Certificate of Good Standing provided, missing Entity Review checklist ; Certificate of Good Standing provided, missing Entity Review checklist 02/12/2026   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
6000117048 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 02/05/2026 Resolved FCOM8997 Compliance No Compliance Findings The loan is in compliance with all applicable laws and regulations.     Informational 02/06/2026   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
6000117048 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 02/05/2026 Resolved FPRO8998 Property No Property Findings Property and valuations related findings were not identified on the loan.     Informational 02/06/2026   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
6000117050 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 02/05/2026 Resolved FCRE9488 Credit Potential Occupancy/Current Address Issues identified in the file The intent and/or status of the borrower's occupancy is not supported in the file. The subject loan has been approved under the DSCR loan program which requires the subject to be used solely for business purpose. The Final 1003 reflects the subject as a 2nd home, which would be personal usage, making the loan ineligible.   2/6/2026 Intent of borrower's occupancy supported; LOE provided from processor, mis entry on the primary and investment properties. ; The intent and/or status of the borrower's occupancy is not supported in the file. The subject loan has been approved under the DSCR loan program which requires the subject to be used solely for business purpose. The Final 1003 reflects the subject as a 2nd home, which would be personal usage, making the loan ineligible. 02/09/2026   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
6000117050 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 02/05/2026 Resolved FPRO8998 Property No Property Findings Property and valuations related findings were not identified on the loan.     Informational 02/06/2026   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
6000117050 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 02/05/2026 Resolved FCOM8997 Compliance No Compliance Findings The loan is in compliance with all applicable laws and regulations.     Informational 02/06/2026   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
6000117040 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Loan Review Complete 02/09/2026 Resolved finding-3352 Compliance Higher-Priced Mortgage Loan Test Compliant HPML. This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. File is missing proof of appraisal delivery; HPML not compliant ; Document Uploaded. ; 2/18/2026 Proof of appraisal delivery provided. Compliant HPML and downgraded to A 02/18/2026 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 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
6000117040 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Loan Review Complete 02/09/2026 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. ; ; 2/18/2026 Evidence of appraisal delivery provided. 02/18/2026 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 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
6000117040 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Loan Review Complete 02/09/2026 Resolved FPRO8998 Property No Property Findings Property and valuations related findings were not identified on the loan.     Informational 02/11/2026 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 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
6000117040 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Loan Review Complete 02/10/2026 Resolved FCRE8999 Credit No Credit Findings The loan meets all applicable credit guidelines.     Informational 02/11/2026 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 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
6000117053 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Loan Review Complete 02/09/2026 Resolved finding-3352 Compliance Higher-Priced Mortgage Loan Test Compliant HPML. This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Complaint HPML Complaint 2/23/2026 Compliant HPML 02/23/2026 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. 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
6000117053 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Loan Review Complete 02/10/2026 Resolved FCRE3653 Credit Missing letter of explanation Lender guidelines require either XXX's Business Narrative, or a Letter of Explanation (LOE) from the borrower detailing the nature of their business. The document was not found in the file. ; 2/23/2026 LOE provided, nature of business provided 02/23/2026 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. 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
6000117053 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Loan Review Complete 02/09/2026 Resolved FPRO8998 Property No Property Findings Property and valuations related findings were not identified on the loan.     Informational 02/11/2026 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% 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
6000117049 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX QM: Safe Harbor APOR (APOR SH) Loan Review Complete 02/10/2026 Resolved FCRE7497 Credit Missing verification of taxes, insurance, and/or HOA fees for non-subject property Missing verification of hazard insurance for XXX, XXX and XXX. LOE States there is a master commercial policy which covers all XXX but it was not found in file. Missing verification of HOA dues for XXX XXX and XXX XXX. ; Document Uploaded. ; Ready for Review-Document Uploaded. - XXX-XXX-XXX-XXX:XXX:XXX; Document Uploaded. ; 2/17/2026 Client States: *** Both XXX and XXX XXX are commercial properties, not residential, so there are no HOA dues. *** The XXX underwriting condition approval never addressed/conditioned for an explanation/Statement. I am sure the borrower would agree to provide a digital signature on a written Statement to acknowledge that there are no HOA dues associated with either commercial property. LM Updated.; HOI provided, still missing verification of HOA dues for XXX XXX and XXX XXX.; Client provided Muti-Property Insurance Declaration all XXX properties are listed on policy. LM Updated. However, still missing verification of HOA dues for XXX XXX and XXX XXX. 02/17/2026 Original LTV is Below the Guideline Maximum - Calculated LTV of 75% is less than Guideline LTV of 85% Original CLTV is Below the Guideline Maximum - Calculated CLTV of 75% is less than Guideline CLTV of 85% 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 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
6000117049 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX QM: Safe Harbor APOR (APOR SH) Loan Review Complete 02/10/2026 Resolved FCRE5116 Credit Missing VOM or VOR Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. Missing verification of mortgage payments for XXX XXX and XXX XXX. File contains VOMS from XXX for loans #XXX & #XXX, but the associated properties are not indicated. ; ; Document Uploaded. ; 2/17/2026 Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing; Client provided VOMs XXX XXX and XXX XXX. LM Updated. 02/17/2026 Original LTV is Below the Guideline Maximum - Calculated LTV of 75% is less than Guideline LTV of 85% Original CLTV is Below the Guideline Maximum - Calculated CLTV of 75% is less than Guideline CLTV of 85% 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 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
6000117049 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX QM: Safe Harbor APOR (APOR SH) Loan Review Complete 02/09/2026 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's First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or "In Person" and the initial closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orthel initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction The creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(I) no later than three business days before consummation. Documentation Required to clear exception: The Initial CD is missing from the loan file. The earliest CD in the loan file was issued on XX/XX/XXXX and signed at consummation. The violation can be cured by providing the Initial CD as well as evidence that it was received by the consumer XXX business days prior to consummation on XX/XX/XXXX ; Document Uploaded. ; 2/17/2026 Initial CD provided; exception resolved; Initial CD provided; exception resolved 02/17/2026 Original LTV is Below the Guideline Maximum - Calculated LTV of 75% is less than Guideline LTV of 85% Original CLTV is Below the Guideline Maximum - Calculated CLTV of 75% is less than Guideline CLTV of 85% 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 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
6000117049 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX QM: Safe Harbor APOR (APOR SH) Loan Review Complete 02/09/2026 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)). 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 of XX/XX/XXXX Document Uploaded. ; 2/13/2026 Evidence of appraisal delivery provided. 02/16/2026 Original LTV is Below the Guideline Maximum - Calculated LTV of 75% is less than Guideline LTV of 85% Original CLTV is Below the Guideline Maximum - Calculated CLTV of 75% is less than Guideline CLTV of 85% 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 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
6000117049 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX QM: Safe Harbor APOR (APOR SH) Loan Review Complete 02/10/2026 Resolved FPRO8998 Property No Property Findings Property and valuations related findings were not identified on the loan.     Informational 02/11/2026 Original LTV is Below the Guideline Maximum - Calculated LTV of 75% is less than Guideline LTV of 85% Original CLTV is Below the Guideline Maximum - Calculated CLTV of 75% is less than Guideline CLTV of 85% 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 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
6000117026 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 02/10/2026 Resolved FPRO8998 Property No Property Findings Property and valuations related findings were not identified on the loan.     Informational 02/11/2026 Original LTV is Below the Guideline Maximum - Calculated LTV of 41.36% is less than Guideline LTV of 75% Original CLTV is Below the Guideline Maximum - Calculated CLTV of 41.36% is less than Guideline CLTV of 75% 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
6000117026 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 02/10/2026 Resolved FCOM8997 Compliance No Compliance Findings The loan is in compliance with all applicable laws and regulations.     Informational 02/11/2026 Original LTV is Below the Guideline Maximum - Calculated LTV of 41.36% is less than Guideline LTV of 75% Original CLTV is Below the Guideline Maximum - Calculated CLTV of 41.36% is less than Guideline CLTV of 75% 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
6000117026 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 02/11/2026 Resolved FCRE8999 Credit No Credit Findings The loan meets all applicable credit guidelines.     Informational 02/11/2026 Original LTV is Below the Guideline Maximum - Calculated LTV of 41.36% is less than Guideline LTV of 75% Original CLTV is Below the Guideline Maximum - Calculated CLTV of 41.36% is less than Guideline CLTV of 75% 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
6000117028 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 02/10/2026 Resolved FCOM8997 Compliance No Compliance Findings The loan is in compliance with all applicable laws and regulations.     Informational 02/11/2026 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 58.06% is less than Guideline LTV of 75% Original CLTV is Below the Guideline Maximum - Calculated CLTV of 58.06% is less than Guideline CLTV of 75% A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
6000117028 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 02/10/2026 Resolved FPRO8998 Property No Property Findings Property and valuations related findings were not identified on the loan.     Informational 02/11/2026 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 58.06% is less than Guideline LTV of 75% Original CLTV is Below the Guideline Maximum - Calculated CLTV of 58.06% is less than Guideline CLTV of 75% A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
6000117028 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 02/10/2026 Resolved FCRE8999 Credit No Credit Findings The loan meets all applicable credit guidelines.     Informational 02/11/2026 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 58.06% is less than Guideline LTV of 75% Original CLTV is Below the Guideline Maximum - Calculated CLTV of 58.06% is less than Guideline CLTV of 75% A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
6000117056 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 02/11/2026 Resolved FVAL9739 Property Property/Appraisal General Property/Appraisal guideline violation: Per XXX Condo Approval, the Limited Condo Project Review, and the Lender Questionnaire, the existing swimming pools and or "XXX" require major repair resulting in an additional assessment of $XXX per unit. The FHLMC CPA indicates that the condo project is not an eligible project due to the critical repairs. This has not been addressed in the appraisal. ; 2/23/2026 Property/Appraisal Meets Guidelines; LOE provided, items are not critical repairs. they are included in the budget, the assessment is included for work over budgeted items. 02/23/2026 Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX C A C A 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
6000117056 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 02/11/2026 Resolved FPRO3678 Property Property Issue(s) are Present One or more issues or defects with the property have been discovered. Per XXX Condo Approval, the Limited Condo Project Review, and the Lender Questionnaire, the existing swimming pools and or "XXX" require major repair resulting in an additional assessment of $XXX per unit. The FHLMC CPA indicates that the condo project is not an eligible project due to the critical repairs. This has not been addressed in the appraisal.   2/23/2026 Duplicate condition, acknowledged as informational. ; The issue with the property has been resolved. 02/23/2026 Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX C A C A 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
6000117056 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 02/11/2026 Resolved FCRE8999 Credit No Credit Findings The loan meets all applicable credit guidelines.     Informational 02/12/2026 Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX C A A A 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
6000117056 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 02/11/2026 Resolved FCOM8997 Compliance No Compliance Findings The loan is in compliance with all applicable laws and regulations.     Informational 02/12/2026 Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX C A A A 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
6000117052 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 02/12/2026 Resolved FCRE8201 Credit Loan does not conform to program guidelines The vested LLC consists of the borrower and spouse. The spouse is not listed as a borrower on the loan. XXX DSCR guidelines require a copy of the Borrowing Certificate signed by all members of LLC. This document was not found in the file. ; 2/17/2026 Client provided Written Consent of the Members of XXX reflecting the authorization to purchase XXX signed by both Members. LM Updated. 02/17/2026   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
6000117052 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 02/11/2026 Resolved FPRO8998 Property No Property Findings Property and valuations related findings were not identified on the loan.     Informational 02/12/2026   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
6000117052 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 02/11/2026 Resolved FCOM8997 Compliance No Compliance Findings The loan is in compliance with all applicable laws and regulations.     Informational 02/12/2026   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
6000117045 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 02/12/2026 Resolved FCRE8201 Credit Loan does not conform to program guidelines The subject loan is vested under a business entity. Per XXX Non-Agency DSCR Guidelines dated XXX, loans vested under a business entity must include the XXX Entity Review Checklist. This document was not found in the file. ; 2/18/2026 Client provided XXX Entity Review Checklist. LM Updated. 02/18/2026 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
6000117045 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 02/12/2026 Resolved FCRE5123 Credit Missing Business Entity Formation Document Per XXX Non-Agency DSCR Guidelines dated XXX, verification of the entity's Employer Identification Number (EIN) is required. In addition, guidelines require documentation to verify the borrowers' percentage of ownership in the entity. None of the entity documents in file confirm the ownership percentage for each borrower. ; 2/18/2026 Client provided XXX Entity review checklist reflecting the EIN for XXX and verifies at least XXX% ownership of the Borrower. LM Updated. 02/18/2026 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
6000117045 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 02/13/2026 Resolved FPRO8998 Property No Property Findings Property and valuations related findings were not identified on the loan.     Informational 02/13/2026 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
6000117045 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 02/12/2026 Resolved FCOM8997 Compliance No Compliance Findings The loan is in compliance with all applicable laws and regulations.     Informational 02/13/2026 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
6000117038 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 02/13/2026 Resolved FPRO9990 Property Third Party Valuation Product Not Provided within 10% Tolerance Third Party Valuation Product Not Provided or Not Provided Within Tolerance. ; Per Freddie UCDP, the LCA Risk assessment is XXX so no third party valuation was completed. --XXXXX XXXXX; 2/20/2026 ; Third party valuation product provided within tolerance.; UCDP provided 03/20/2026 Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D B C A D B C A A A D D C A D D C A D D C A D D C A D D C A B B A A B B A A B B A A B B A A B B A A
6000117038 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 02/13/2026 Resolved FCRE5123 Credit Missing Business Entity Formation Document Missing verification of Employer Identification Number (EIN) for entity. ; Ready for Review- - XXX Account-XXX-XXX-XXX:XXX:XXX; 2/20/2026 EIN provided. ; Document provided is Individual CDD questionnaire, EIN is not provided on document. 02/20/2026 Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D B D A D B C A A A D D C A D D C A D D C A D D C A D D C A B B A A B B A A B B A A B B A A B B A A
6000117038 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 02/13/2026 Acknowledged FCRE8201 Credit Loan does not conform to program guidelines The subject loan is vested under a business entity. Per XXX Non-Agency DSCR Guidelines dated XXX, loans vested under a business entity must include the XXX Entity Review Checklist. This document was not found in the file. ; Ready for Review-Ready for Review-Ready for Review- - XXX Account-XXX-XXX-XXX:XXX:XXX - XXX Account-XXX-XXX-XXX:XXX:XXX - XXX Account-XXX-XXX-XXX:XXX:XXX; Ready for Review-Ready for Review- - XXX Account-XXX-XXX-XXX:XXX:XXX - XXX Account-XXX-XXX-XXX:XXX:XXX; Ready for Review- - XXX Account-XXX-XXX-XXX:XXX:XXX; 2/19/2026 Client acknowledges this condition. ; XXX Entity Review Checklist provided is not completed. ; 02/19/2026 Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D B C B D B C A A A D D C A D D C A D D C A D D C A D D C A B B A A B B A A B B A A B B A A B B A A
6000117038 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 02/12/2026 Resolved FCRE0386 Credit Borrower 1 Photo Identification not provided Borrower 1 Photo Identification not provided. No identification documentation has been provided for either borrower.   2/13/2026 Photo Identification provided.; B1 photo id provided 02/19/2026 Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D B D A D B C A A A D D C A D D C A D D C A D D C A D D C A B B A A B B A A B B A A B B A A B B A A
6000117038 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 02/12/2026 Resolved FCRE0387 Credit Borrower 2 Photo Identification not provided Borrower 2 Photo Identification not provided. No identification documentation has been provided for either borrower.   2/13/2026 Photo Identification provided.; B2 photo ID provided 02/19/2026 Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D B D A D B C A A A D D C A D D C A D D C A D D C A D D C A B B A A B B A A B B A A B B A A B B A A
6000117038 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 02/12/2026 Resolved FCOM8997 Compliance No Compliance Findings The loan is in compliance with all applicable laws and regulations.     Informational 02/13/2026 Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D B A A D B C A A A D D C A D D C A D D C A D D C A D D C A B B A A B B A A B B A A B B A A B B A A
6000117042 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 02/13/2026 Resolved FCOM8997 Compliance No Compliance Findings The loan is in compliance with all applicable laws and regulations.     Informational 02/16/2026 Original CLTV is Below the Guideline Maximum - Calculated CLTV of 69.05% is less than Guideline CLTV of 80% Original LTV is Below the Guideline Maximum - Calculated LTV of 69.05% 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
6000117042 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 02/16/2026 Resolved FCRE8999 Credit No Credit Findings The loan meets all applicable credit guidelines.     Informational 02/16/2026 Original CLTV is Below the Guideline Maximum - Calculated CLTV of 69.05% is less than Guideline CLTV of 80% Original LTV is Below the Guideline Maximum - Calculated LTV of 69.05% 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
6000117042 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 02/16/2026 Resolved FPRO8998 Property No Property Findings Property and valuations related findings were not identified on the loan.     Informational 02/16/2026 Original CLTV is Below the Guideline Maximum - Calculated CLTV of 69.05% is less than Guideline CLTV of 80% Original LTV is Below the Guideline Maximum - Calculated LTV of 69.05% 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
6000117055 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX QM: Safe Harbor APOR (APOR SH) Loan Review Complete 02/19/2026 Resolved FCOM3608 Compliance Intent to Proceed is Missing The intent to proceed is missing. Please provide date the Intent to Proceed was provided. ; Acknowledgement of Intent to Proceed disclosure uploaded. --XXX; 2/23/2026 Proof of Intent to Proceed has been provided. 02/23/2026 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 43.44% is less than Guideline CLTV of 90% 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 LTV is Below the Guideline Maximum - Calculated LTV of 43.44% is less than Guideline LTV of 90% 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
6000117055 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX QM: Safe Harbor APOR (APOR SH) Loan Review Complete 02/19/2026 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. ; lender has no affiliates --XXX; 2/23/2026 Required Affiliated Business Disclosure Documentation Provided 02/23/2026 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 43.44% is less than Guideline CLTV of 90% 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 LTV is Below the Guideline Maximum - Calculated LTV of 43.44% is less than Guideline LTV of 90% 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
6000117055 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX QM: Safe Harbor APOR (APOR SH) Loan Review Complete 02/19/2026 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. An 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). Because the SPL was missing from the file, fees in Section C were subject to XXX% tolerance. The changes resulted in threshold to go above allowable tolerance. A cost to cure in the amount of XXX is required. The defect may be resolved by providing the missing document. If curing the violation: Refund in the amount of $XXX; cure package requires a PCCD, LOE, and Copy of Refund Check, and proof of delivery ; SSPL uploaded. Please recalculate the XXX% tolerance determined. --XXX; 2/23/2026 SSPL provided; exception resolved; SSPL provided; exception resolved 02/23/2026 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 43.44% is less than Guideline CLTV of 90% 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 LTV is Below the Guideline Maximum - Calculated LTV of 43.44% is less than Guideline LTV of 90% 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
6000117055 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX QM: Safe Harbor APOR (APOR SH) Loan Review Complete 02/19/2026 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. An 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). ; Valid COC attached for the increase in transfer taxes, which increased from XXX to XXX --XXX; 2/23/2026 Valid COC provided; exception resolved; Valid COC provided; exception resolved; 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 transfer taxes. The COC in file does not provide a valid reason for the increase in transfer taxes on the CD dated XX/XX/XXXX 02/23/2026 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 43.44% is less than Guideline CLTV of 90% 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 LTV is Below the Guideline Maximum - Calculated LTV of 43.44% is less than Guideline LTV of 90% 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
6000117055 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX QM: Safe Harbor APOR (APOR SH) Loan Review Complete 02/19/2026 Resolved FCOM1266 Compliance Homeownership Counseling Disclosure Is Missing Homeownership Counseling Disclosure Is Missing Documentation required to clear exception: Provide homeownership counseling disclosure that was provided to the consumer within XXX-business days of application, XXX. ; Homeownership Counseling Disclosure and Homeownership Counseling Acknowledgement Disclosure both uploaded. --XXX; 2/23/2026 Homeownership Counseling Disclosure Is Present or XXX 02/23/2026 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 43.44% is less than Guideline CLTV of 90% 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 LTV is Below the Guideline Maximum - Calculated LTV of 43.44% is less than Guideline LTV of 90% 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
6000117055 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX QM: Safe Harbor APOR (APOR SH) Loan Review Complete 02/18/2026 Resolved FCOM1233 Credit The Final 1003 is Incomplete The Final 1003 is Incomplete Final 1003 section XXX - Financial Information Real EState #XXX. property address is incorrect. Final 1003 has address of XXX, however per the mortgage Statement and HOA Statement the correct address is "XXX". Provided corrected 1003 showing correct property address for investment property. ; 2/23/2026 The Final 1003 is Present; Corrected address section XXX of 1003 provided 02/23/2026 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 43.44% is less than Guideline CLTV of 90% 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 LTV is Below the Guideline Maximum - Calculated LTV of 43.44% is less than Guideline LTV of 90% 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
6000117055 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX QM: Safe Harbor APOR (APOR SH) Loan Review Complete 02/19/2026 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. ; AIR uploaded. --XXX; 2/23/2026 Evidence of appraisal delivery provided. 02/23/2026 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 43.44% is less than Guideline CLTV of 90% 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 LTV is Below the Guideline Maximum - Calculated LTV of 43.44% is less than Guideline LTV of 90% 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
6000117055 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX QM: Safe Harbor APOR (APOR SH) Loan Review Complete 02/18/2026 Resolved FPRO8998 Property No Property Findings Property and valuations related findings were not identified on the loan.     Informational 02/19/2026 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 43.44% is less than Guideline CLTV of 90% 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 LTV is Below the Guideline Maximum - Calculated LTV of 43.44% is less than Guideline LTV of 90% 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
6000117054 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX QM: Safe Harbor APOR (APOR SH) Loan Review Complete 02/20/2026 Resolved FCRE9785 Credit Purchase Contract is Incomplete Loan Purpose is Purchase but Purchase Contract Doc is Incomplete The final Closing Disclosure (CD) reflects a seller credit of XXX that is not reflected on the purchase contract. An addendum to the contract which reflects the seller credit is required. ; 2/23/2026 Purchase Contract Doc is complete.; sales contract with XXX seller credit provided 02/23/2026 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 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
6000117054 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX QM: Safe Harbor APOR (APOR SH) Loan Review Complete 02/19/2026 Resolved FCOM1233 Credit The Final 1003 is Incomplete The Final 1003 is Incomplete Missing the Final 1003 for B1. ; 2/23/2026 The Final 1003 is Present; 1003 B i provided 02/23/2026 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 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
6000117054 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX QM: Safe Harbor APOR (APOR SH) Loan Review Complete 02/19/2026 Resolved finding-3532 Compliance Initial Closing Disclosure Delivery Date Test The initial CD is missing. 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's First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or "In Person" and the initial closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orthel initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction The 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. ; 2/23/2026 Initial CD provided; exception resolved; Initial CD provided; exception resolved 02/23/2026 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 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
6000117054 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX QM: Safe Harbor APOR (APOR SH) Loan Review Complete 02/19/2026 Resolved FPRO8998 Property No Property Findings Property and valuations related findings were not identified on the loan.     Informational 02/20/2026 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. 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
6000117057 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 02/20/2026 Acknowledged FCRE1491 Credit Asset Qualification Does Not Meet Guideline Requirements Asset Qualification Does Not Meet Guideline Requirements There is only one month bank Statement provided to verify assets to cover CTC and reserve requirement. XXX Non-Agency Guidelines dated XXX defer to FNMA requirements which, on a purchase, require XXX months verification. File is missing XXX bank Statement for XXX account #XXX. Ready for Review- - XXX Account-XXX-XXX-XXX:XXX:XXX; 3/6/2026 XXX - Material XX/XX/XXXX, XX/XX/XXXX PM (EDT) Acknowledged Client requested acknowledgement of this finding.; Client requested acknowledgement of this finding. ; Exception not approved by XXX 03/20/2026 Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX C B C B 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
6000117057 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 02/20/2026 Resolved FCRE8201 Credit Loan does not conform to program guidelines The subject loan is vested in the borrower's LLC. Per XXX Non-Agency Guidelines dated XXX, the XXX Entity Review Checklist is required but has not been provided.   2/20/2026 No longer required. Exception moved to Resolved. 02/24/2026 Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX C B C 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
6000117057 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 02/19/2026 Resolved FCOM8997 Compliance No Compliance Findings The loan is in compliance with all applicable laws and regulations.     Informational 02/20/2026 Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX C B A A 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
6000117057 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 02/20/2026 Resolved FPRO8998 Property No Property Findings Property and valuations related findings were not identified on the loan.     Informational 02/20/2026 Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX C B A A 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
6000117059 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Loan Review Complete 02/23/2026 Resolved FCRE7497 Credit Missing verification of taxes, insurance, and/or HOA fees for non-subject property The Borrower's own XXX other properties in addition to subject and primary residence. There are numerous discrepancies between the income/losses used and the documentation provided or there of. There are property profiles for the XXX parcels of land; however, the amount used to qualify for these parcels is different than the calculation based on the documentation provided. Additionally, the Final 1003 reflects net rental income of XXX per month. The analysis of the Borrowers' Schedule E confirms the Lender's analysis of gross income; however, the file has lender notes reflecting the mortgage PITI details resulting in net income of only XXX per month. There is a typed page showing P&I for the XXX XXX property, but no document to prove that payment (note, mortgage Statement, Final CD for a refinance). Lender to provide the PITI documentation for XXX listed on the typed page for REO located at XXX XXX and subsequent complete REO analysis to support the income used of XXX in net rental income after XXX PITIA. ; Document Uploaded. ; 3/6/2026 XXX provided supporting updated 1003 with removal of rental income. ; XXX provided supporting updated 1003 with removal of rental income. ; Rental income removed from XXX XXX on 1003. DTI includes only Taxes, insurance, etc. XXX required for recalculation of DTI ; Rental income removed from XXX XXX on 1003. DTI includes only Taxes, insurance, etc. XXX required for recalculation of DTI ; Client provided Property Detail report for XXX XXX which verifies taxes for the property. However, The Borrower's own XXX other properties in addition to subject and primary residence. There are numerous discrepancies between the income/losses used and the documentation provided or there of. There are property profiles for the XXX parcels of land; however, the amount used to qualify for these parcels is different than the calculation based on the documentation provided. Additionally, the Final 1003 reflects net rental income of XXX per month. The analysis of the Borrowers' Schedule E confirms the Lender's analysis of gross income; however, the file has lender notes reflecting the mortgage PITI details resulting in net income of only XXX per month. There is a typed page showing P&I for the XXX XXX property, but no document to prove that payment (note, mortgage Statement, Final CD for a refinance). Lender to provide the PITI documentation for XXX listed on the typed page for REO located at XXX XXX and subsequent complete REO analysis to support the income used of XXX in net rental income after XXX PITIA. 03/06/2026 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 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
6000117059 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Loan Review Complete 02/20/2026 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. ; ; 3/6/2026 Required Affiliated Business Disclosure Documentation Provided 03/06/2026 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 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
6000117059 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Loan Review Complete 02/23/2026 Resolved FPRO8998 Property No Property Findings Property and valuations related findings were not identified on the loan.     Informational 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 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
6000117061 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Loan Review Complete 02/20/2026 Resolved FPRO8998 Property No Property Findings Property and valuations related findings were not identified on the loan.     Informational 02/24/2026 Borrower has stable job time - Borrower has XXX years on job. Original CLTV is Below the Guideline Maximum - Calculated CLTV of 55.41% 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 55.41% 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
6000117061 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Loan Review Complete 02/20/2026 Resolved FCRE8999 Credit No Credit Findings The loan meets all applicable credit guidelines.     Informational 02/24/2026 Borrower has stable job time - Borrower has XXX years on job. Original CLTV is Below the Guideline Maximum - Calculated CLTV of 55.41% 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 55.41% 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
6000117061 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Loan Review Complete 02/23/2026 Resolved FCOM8997 Compliance No Compliance Findings The loan is in compliance with all applicable laws and regulations.     Informational 02/24/2026 Borrower has stable job time - Borrower has XXX years on job. Original CLTV is Below the Guideline Maximum - Calculated CLTV of 55.41% 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 55.41% 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
6000117058 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 02/23/2026 Resolved FCRE5116 Credit Missing VOM or VOR Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. XXX guidelines require XXX-month mortgage history on the subject and borrower's primary residence. Audit is unable to verify the payment history for XXX #XXX and XXX #XXX due to the missing credit report. The credit report has been requested; however, if the mortgages are not reporting on the credit report, a separate Verification of Mortgage for each loan will be required. ; I have uploaded the credit package for this file as we were unable to uploaded when with the closing package. --XXX XXX; 2/26/2026 Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing; Client provided Supplement XXX verifying XXX #XXX (XXX XXX month) and XXX #XXX (XXX XXX months). LM Updated. 02/26/2026 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. 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
6000117058 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 02/20/2026 Resolved FCRE1182 Credit Approval/Underwriting Summary Not Provided Missing Approval/Underwriting Summary. Loan approval and/or the XXX are missing from loan file. Per XXX guidelines Section XXX the loan approval/XXX should reflect underwriter certification that the loan does not qualify for agency delivery. ; 2/26/2026 Approval/Underwriting Summary is fully present; Client provided XXX LM Updated. 02/26/2026 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. D A B 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
6000117058 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 02/19/2026 Resolved FCRE1201 Credit Third Party Fraud Report not Provided Missing Third Party Fraud Report XXX guidelines require a fraud report for the borrower. This report was not found in the file. ; 2/26/2026 Third Party Fraud Report is provided; Client provided FraudGuard report dated XX/XX/XXXX. LM Updated. 02/26/2026 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. 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
6000117058 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 02/19/2026 Resolved FCRE5770 Credit Borrower 1 Credit Report is Missing Borrower 1 Credit Report is Missing. XXX guidelines required a tri-merge credit report. This report was not found in the file. ; 2/26/2026 Borrower 1 Credit Report is not missing.; Client provided Credit Report for the Borrower dated XX/XX/XXXX. LM Updated. 02/26/2026 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. 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
6000117058 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 02/23/2026 Resolved FCOM8997 Compliance No Compliance Findings The loan is in compliance with all applicable laws and regulations.     Informational 02/23/2026 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
6000117058 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 02/20/2026 Resolved FPRO8998 Property No Property Findings Property and valuations related findings were not identified on the loan.     Informational 02/23/2026 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
6000117063 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 02/26/2026 Resolved FCOM9186 Compliance eSigned Documents Consent is Missing The signed documents consent is missing. ; ; 3/5/2026 Evidence of eConsent is provided. 03/05/2026 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. 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
6000117063 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 02/23/2026 Resolved FCRE7497 Credit Missing verification of taxes, insurance, and/or HOA fees for non-subject property There is no documentation confirming there are no HOA fees due on the REOs located on XXX. ; Document Uploaded. ; 3/5/2026 XXX provided, no HOA 03/05/2026 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. 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
6000117063 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 02/23/2026 Resolved FPRO8998 Property No Property Findings Property and valuations related findings were not identified on the loan.     Informational 02/25/2026 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 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
6000117064 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 02/23/2026 Resolved FPRO8998 Property No Property Findings Property and valuations related findings were not identified on the loan.     Informational 02/25/2026 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
6000117064 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 02/24/2026 Resolved FCOM8997 Compliance No Compliance Findings The loan is in compliance with all applicable laws and regulations.     Informational 02/25/2026 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
6000117064 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 02/24/2026 Resolved FCRE8999 Credit No Credit Findings The loan meets all applicable credit guidelines.     Informational 02/25/2026 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
6000117065 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 02/24/2026 Acknowledged FCRE3653 Credit Missing letter of explanation Subject is vacant which is only permitted "when the subject property has undergone recent renovation or rehab, with intention to being rented out soon". Significant renovations confirmed by appraiser and loan being paid off was XXX w/ last draw made. Per XXX DSCR GLs dated XXX, when subject is vacant, "intention" must be confirmed with LOX from the borrowers which has not been provided. ; 3/4/2026 Waived by client 03/04/2026 Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D B D B D B A A A A D D A A D D A A D D A A D D A A D D A A B B A A B B A A B B A A B B A A B B A A
6000117065 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 02/25/2026 Resolved FPRO8998 Property No Property Findings Property and valuations related findings were not identified on the loan.     Informational 02/25/2026 Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D B A A D B A A A A D D A A D D A A D D A A D D A A D D A A B B A A B B A A B B A A B B A A B B A A
6000117065 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 02/25/2026 Resolved FCOM8997 Compliance No Compliance Findings The loan is in compliance with all applicable laws and regulations.     Informational 02/25/2026 Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D B A A D B A A A A D D A A D D A A D D A A D D A A D D A A B B A A B B A A B B A A B B A A B B A A
6000117060 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Loan Review Complete 02/25/2026 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. ; ; 3/3/2026 Evidence of appraisal delivery provided.; ; Evidence of appraisal delivery provided. 03/20/2026 Original LTV is Below the Guideline Maximum - Calculated LTV of 65.71% 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 65.71% is less than Guideline CLTV of 80% 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
6000117060 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Loan Review Complete 02/25/2026 Resolved FCOM9186 Compliance eSigned Documents Consent is Missing The signed consent disclosure is missing. Documentation required. 1st e-signed document in the file is dated XX/XX/XXXX, however missing proof of e-consent dated XX/XX/XXXX or before. ; ; 3/3/2026 Evidence of eConsent is provided.; Evidence of eConsent is provided. 03/20/2026 Original LTV is Below the Guideline Maximum - Calculated LTV of 65.71% 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 65.71% is less than Guideline CLTV of 80% 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
6000117060 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Loan Review Complete 02/25/2026 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. ; ; 3/3/2026 Required Affiliated Business Disclosure Documentation Provided 03/03/2026 Original LTV is Below the Guideline Maximum - Calculated LTV of 65.71% 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 65.71% is less than Guideline CLTV of 80% 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
6000117060 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Loan Review Complete 02/25/2026 Resolved FCOM1266 Compliance Homeownership Counseling Disclosure Is Missing Homeownership Counseling Disclosure Is Missing Documentation required to clear exception: Provide homeownership counseling disclosure that was provided to the consumer within XXX-business days of application, XX/XX/XXXX. ; ; 3/3/2026 Homeownership Counseling Disclosure Is Present or XXX 03/03/2026 Original LTV is Below the Guideline Maximum - Calculated LTV of 65.71% 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 65.71% is less than Guideline CLTV of 80% 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
6000117060 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Loan Review Complete 02/24/2026 Resolved FCRE1491 Credit Asset Qualification Does Not Meet Guideline Requirements Asset Qualification Does Not Meet Guideline Requirements XXX guidelines XX/XX/XXXX Asset Depletion and Asset Utilization section requires six XXX months of bank Statements for qualification. Missing XXX Statement for XX/XX/XXXX to complete the XXX months requirement. ; ; ; 3/3/2026 Asset Qualification Meets Guideline Requirements; Condition for Missing XXX XXX Statement for XXX account, Provided XXX XXX Statement. Condition remains. ; Condition for Missing XXX XXX Statement for XXX account, Provided XXX XXX Statement. Condition remains. 03/03/2026 Original LTV is Below the Guideline Maximum - Calculated LTV of 65.71% 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 65.71% is less than Guideline CLTV of 80% 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
6000117060 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Loan Review Complete 02/25/2026 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. An 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 on the Initial CD dated XXX. ; The COC provided is dated XX/XX/XXXX, however we do not have a redisclosed LE or CD dated within XXX days of the COC. Please provide the redisclosed LE or CD to complete testing; The COC provided is dated XX/XX/XXXX, however we do not have a redisclosed LE or CD dated within XXX days of the COC. Please provide the redisclosed LE or CD to complete testing; The COC provided is dated XX/XX/XXXX, however we do not have a redisclosed LE or CD dated within XXX days of the COC. Please provide the redisclosed LE or CD to complete testing; The COC provided is dated XX/XX/XXXX, however we do not have a redisclosed LE or CD dated within XXX days of the COC. Please provide the redisclosed LE or CD to complete testing; Ready for Review- - XXX Account-XXX-XXX-XXX:XXX:XXX; 3/3/2026 Valid COC with applicable LE provided; exception resolved; Valid COC with applicable LE provided; exception resolved; The COC provided is dated XX/XX/XXXX, however we do not have a redisclosed LE or CD dated within XXX days of the COC. Please provide the redisclosed LE or CD to complete testing 03/03/2026 Original LTV is Below the Guideline Maximum - Calculated LTV of 65.71% 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 65.71% is less than Guideline CLTV of 80% 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
6000117060 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Loan Review Complete 02/25/2026 Resolved FPRO8998 Property No Property Findings Property and valuations related findings were not identified on the loan.     Informational 02/25/2026 Original LTV is Below the Guideline Maximum - Calculated LTV of 65.71% 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 65.71% is less than Guideline CLTV of 80% 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
6000117051 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Loan Review Complete 02/25/2026 Resolved FCRE1437 Credit Income and Employment Do Not Meet Guidelines Income and Employment Do Not Meet Guidelines The documentation in file only shows the borrower in business since XXX. Business Bank Statements in business name do date back to XXX; however, there is no evidence in file that the borrower has the required tenure in business. Per XXX Non-Agency GLs dated XXX, Section XX/XX/XXXX require XXX years or more proof of self employment. ; 2/27/2026 Income and Employment Meet Guidelines; Evidence of longevity of Self Employment provided, 02/27/2026 Borrower has stable job time - Borrower has XXX years on job. Original LTV is Below the Guideline Maximum - Calculated LTV of 63.95% is less than Guideline LTV of 80% Original CLTV is Below the Guideline Maximum - Calculated CLTV of 63.95% 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 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
6000117051 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Loan Review Complete 02/25/2026 Resolved FPRO8998 Property No Property Findings Property and valuations related findings were not identified on the loan.     Informational 02/26/2026 Borrower has stable job time - Borrower has XXX years on job. Original LTV is Below the Guideline Maximum - Calculated LTV of 63.95% is less than Guideline LTV of 80% Original CLTV is Below the Guideline Maximum - Calculated CLTV of 63.95% 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 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
6000117051 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Loan Review Complete 02/26/2026 Resolved FCOM8997 Compliance No Compliance Findings The loan is in compliance with all applicable laws and regulations.     Informational 02/26/2026 Borrower has stable job time - Borrower has XXX years on job. Original LTV is Below the Guideline Maximum - Calculated LTV of 63.95% is less than Guideline LTV of 80% Original CLTV is Below the Guideline Maximum - Calculated CLTV of 63.95% 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 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
6000117066 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 03/02/2026 Rescinded FCRE1146 Credit Title Document is Partially Present Title Document is incomplete or only partially present. Closing Protection letter is missing ; ; 3/5/2026 Title Document is fully Present. Finding made in error, rescinded. 03/05/2026   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
6000117066 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 03/02/2026 Resolved FCRE5123 Credit Missing Business Entity Formation Document XXX guidelines require evidence of receipt of current year franchise tax payment. The franchise tax receipt for XXX. is not in the file. ; 3/5/2026 Client provided XXX Information for XXX. Status Active Next Statement Due XX/XX/XXXX. LM Updated. 03/05/2026 Original LTV is Below the Guideline Maximum - Calculated LTV of 57.14% is less than Guideline LTV of 75% Original CLTV is Below the Guideline Maximum - Calculated CLTV of 57.14% is less than Guideline CLTV of 75% 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
6000117066 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 02/27/2026 Resolved FCRE1201 Credit Third Party Fraud Report not Provided Missing Third Party Fraud Report There is no evidence of a fraud report in file. ; ; 3/5/2026 Third Party Fraud Report is provided; XXX, MERS Fraud Audit provided 03/05/2026 Original LTV is Below the Guideline Maximum - Calculated LTV of 57.14% is less than Guideline LTV of 75% Original CLTV is Below the Guideline Maximum - Calculated CLTV of 57.14% is less than Guideline CLTV of 75% 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
6000117066 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt 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 57.14% is less than Guideline LTV of 75% Original CLTV is Below the Guideline Maximum - Calculated CLTV of 57.14% is less than Guideline CLTV of 75% 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
6000117066 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 03/02/2026 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 57.14% is less than Guideline LTV of 75% Original CLTV is Below the Guideline Maximum - Calculated CLTV of 57.14% is less than Guideline CLTV of 75% 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
6000117062 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 03/02/2026 Resolved FPRO8998 Property No Property Findings Property and valuations related findings were not identified on the loan.     Informational 03/04/2026 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
6000117062 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 03/02/2026 Resolved FCRE8999 Credit No Credit Findings The loan meets all applicable credit guidelines.     Informational 03/04/2026 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
6000117062 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 03/03/2026 Resolved FCOM8997 Compliance No Compliance Findings The loan is in compliance with all applicable laws and regulations.     Informational 03/04/2026 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