Exhibit 99.01 Schedule 2

 

SitusAMC Loan ID Customer Loan ID Seller Loan ID Investor Loan Number Loan Exception ID Exception ID Exception Date Exception Type Exception Category Exception Subcategory 15E Category Exception Exception Detail Exception Information Compensating Factors Compensating Factor Information Applying Party Follow-up Comments Cleared Date Cured Date Waived Date Exception Level Grade DBRS Initial Exception Rating DBRS Final Exception Rating Fitch Initial Exception Rating Fitch Final Exception Rating Kroll Initial Exception Rating Kroll Final Exception Rating Moody's Initial Exception Rating Moody's Final Exception Rating S&P Initial Exception Rating S&P Final Exception Rating Note Date Property State Occupancy Purpose Exception Remediation Overall
Initial Loan Grade		 Overall
Final Loan Grade		 Credit
Initial Loan Grade		 Credit
Final Loan Grade		 Compliance
Initial Loan Grade		 Compliance
Final Loan Grade		 Property
Initial Loan Grade		 Property
Final Loan Grade		 Originator QM ATR Status TPR QM ATR Status Is Curable
XXXXXX 4000032366 XXXXXX   XXXXXX     Compliance Compliance State Compliance State Late Charge South Carolina Late Charge Amount Testing XXXX Late Charge: Note late charge of $XXXX exceeds state maximum of  $XXXX Note late charge of $XXXX exceeds state maximum of  $XXXX.       Reviewer Comment (2024-05-06): Accepted as is.
       2 B B B B B B B B B B   SC Primary Refinance - Cash-out - Other   D B C A B B D A     No
XXXXXX 4000032366 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. No eligible valuation was provided. Sec ID: 135   AVM not provided.       Reviewer Comment (2024-05-07): Received, Clearing.


Buyer Comment (2024-05-07): Comment from XXXX (XXXX): AVM and PCI report provided.
 05/07/2024     1 D A D A D A   A D A   SC Primary Refinance - Cash-out - Other   D B C A B B D A     No
XXXXXX 4000032366 XXXXXX   XXXXXX     Credit Missing Document General Missing Document Missing Document: AVM not provided   AVM not provided.       Reviewer Comment (2024-05-07): Received, Clearing.


Seller Comment (2024-05-07): Comment from XXXX (XXXX): AVM and PCI report provided.
 05/07/2024     1 C A C A C A C A C A   SC Primary Refinance - Cash-out - Other   D B C A B B D A     No
XXXXXX 4000032366 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2024-05-07): Accepted as is based on meeting two RAs requirements.
       1   N/A   A   N/A           SC Primary Refinance - Cash-out - Other   D B C A B B D A     No
XXXXXX 4000032366 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-01-06): Accepted as is.
     01/06/2026 2   A   A   A       B   SC Primary Refinance - Cash-out - Other   D B C A B B D A     No
XXXXXX 6000093680 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___ For securitization requirements, a secondary valuation review product is required, which supports original appraised value. There was no UCDP or LCA in file which does not meet securitization requirements.       Reviewer Comment (2024-07-03): Accepted as is based on meeting two RAs requirements.


Reviewer Comment (2024-07-03): Overridden in error.


Reviewer Comment (2024-06-17): Not required. Heloc.
       1 D N/A A A N/A N/A     D     IL Primary Refinance - Cash-out - Other   D B A A B B D A     No
XXXXXX 6000093680 XXXXXX   XXXXXX     Compliance Compliance Federal Compliance Missing Non-Required Data (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided.  Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. Last Date Rate Set and Initial Rate Lock Date not provided       Reviewer Comment (2024-06-18): Accepted as is.
       2 B B B B B B B B B B   IL Primary Refinance - Cash-out - Other   D B A A B B D A     No
XXXXXX 6000093680 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-01-06): Accepted as is.
     01/06/2026 2   A   A   A       B   IL Primary Refinance - Cash-out - Other   D B A A B B D A     No
XXXXXX 6000093754 XXXXXX   XXXXXX     Compliance Compliance Federal Compliance Missing Non-Required Data (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided.  Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. Missing evidence of rate lock date.       Reviewer Comment (2024-06-18): Accepted as is.
       2 B B B B B B B B B B   FL Primary Refinance - Cash-out - Other   B B A A B B A A     No
XXXXXX 6000093754 XXXXXX   XXXXXX     Compliance Compliance Federal Compliance GSE Fannie Mae 2014 - 3% Points and Fees Fannie Mae XXXX XXXX% Points and Fees Test.  Points and Fees on subject loan of XXXX% is in excess of the investor allowable maximum of the greater of XXXX% of the Federal Total Loan Amount and XXXX         Reviewer Comment (2024-06-18): Accepted as is.
       2 B B B B B B B B B B   FL Primary Refinance - Cash-out - Other LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B B A A B B A A     Yes
XXXXXX 6000093754 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136           Reviewer Comment (2024-07-03): Accepted as is based on meeting two RAs requirements.
       1   N/A   A   N/A           FL Primary Refinance - Cash-out - Other   B B A A B B A A     No
XXXXXX 6000093754 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-01-06): Accepted as is.
     01/06/2026 2   A   A   A       B   FL Primary Refinance - Cash-out - Other   B B A A B B A A     No
XXXXXX 6000093754 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-01-06): Accepted as is based on meeting three RAs requirements.
       1   N/A   A   N/A           FL Primary Refinance - Cash-out - Other   B B A A B B A A     No
XXXXXX 4000036954 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. No eligible primary ("Use for LTV") valuation was provided. Sec ID: 135   Secondary Valuation is not required per Guidelines.       Reviewer Comment (2024-07-01): Clearing.
 07/01/2024     1 D A D A D A   A D A   AZ Investment Refinance - Cash-out - Other   D A C A A A D A     No
XXXXXX 4000036954 XXXXXX   XXXXXX     Credit Income / Employment Income Documentation Income / Employment The verification of employment is required and was not found in file. - The verification of employment is required and was not found in file.       Reviewer Comment (2024-07-05): Received, Clearing.


Seller Comment (2024-07-03): Comment from XXXX (XXXX): Borrower is a seasonal tax associate employee with XXXX for XXXX mths.  Documentation was provided to support work in XXXX with an offer letter for employment to begin again in XXXX. 
Please see docs and income worksheet to support the use of the seasonal income. Thanks.


Reviewer Comment (2024-07-02): XXXX


Seller Comment (2024-07-02): Comment from XXXX (XXXX): Please see attached
 07/05/2024     1 C A C A C A C A C A   AZ Investment Refinance - Cash-out - Other   D A C A A A D A     No
XXXXXX 4000036954 XXXXXX   XXXXXX     Credit Income / Employment Income Documentation Income / Employment Verification(s) of employment is not within 10 business days of the Note. - The verification of employment is required and was not found in file.       Reviewer Comment (2024-07-05): Received, Clearing.


Buyer Comment (2024-07-03): Comment from XXXX (XXXX): Borrower is a seasonal tax associate employee with XXXX for XXXX mths.  Documentation was provided to support work in XXXX with an offer letter for employment to begin again in XXXX. 
Please see docs and income worksheet to support the use of the seasonal income. Thanks.


Reviewer Comment (2024-07-02): XXXX


Seller Comment (2024-07-02): Comment from XXXX (XXXX): Please see attached
 07/05/2024     1 C A C A C A C A C A   AZ Investment Refinance - Cash-out - Other   D A C A A A D A     No
XXXXXX 4000036954 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2024-07-01): Accepted as is based on meeting two RAs requirements.
       1   N/A   A   N/A           AZ Investment Refinance - Cash-out - Other   D A C A A A D A     No
XXXXXX 4000036954 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-01-06): Accepted as is.
     01/06/2026 2   A   A   A       B   AZ Investment Refinance - Cash-out - Other   D A C A A A D A     No
XXXXXX 4000040717 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___ One valuation was provided, with no CU or LCA.       Reviewer Comment (2024-08-02): Accepted as is based on meeting two RAs requirements.
       1 D N/A A A N/A N/A     D     IL Investment Refinance - Cash-out - Other   D A A A A A D A     No
XXXXXX 4000040717 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-01-06): Accepted as is.
     01/06/2026 2   A   A   A       B   IL Investment Refinance - Cash-out - Other   D A A A A A D A     No
XXXXXX 4000043191 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___ Loan is to be securitized. One valuation was provided, with no CU or LCA.       Reviewer Comment (2024-08-08): Accepted as is based on meeting two RAs requirements.
       1 D N/A A A N/A N/A     D     WA Investment Refinance - Cash-out - Other   D A A A A A D A     No
XXXXXX 4000043191 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-01-06): Accepted as is.
     01/06/2026 2   A   A   A       B   WA Investment Refinance - Cash-out - Other   D A A A A A D A     No
XXXXXX 4000042571 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___ Secondary Valuation is not required per Guidelines.       Reviewer Comment (2024-08-13): Accepted as is based on meeting two RAs requirements
       1 D N/A A A N/A N/A     D     FL Primary Refinance - Cash-out - Other   D A A A A A D A     No
XXXXXX 4000042571 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-01-06): Accepted as is.
     01/06/2026 2   A   A   A       B   FL Primary Refinance - Cash-out - Other   D A A A A A D A     No
XXXXXX 4000040502 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___ HELOC loan with a loan amount < XXXX       Reviewer Comment (2024-08-22): Accepted as is based on meeting two RAs requirements.
       1 D N/A A A N/A N/A     D     CA Investment Refinance - Cash-out - Other   D A A A A A D A     No
XXXXXX 4000040502 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-01-06): Accepted as is.
     01/06/2026 2   A   A   A       B   CA Investment Refinance - Cash-out - Other   D A A A A A D A     No
XXXXXX 6000094222 XXXXXX   XXXXXX     Compliance Compliance Federal Compliance Missing Non-Required Data (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided.  Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.         Reviewer Comment (2024-09-18): Accepted as is.
     09/18/2024 2 B B B B B B B B B B   CA Primary Refinance - Cash-out - Other   D B A A B B D A     No
XXXXXX 6000094222 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2024-09-18): Accepted as is based on meeting two RAs requirements.
       1 D N/A A A N/A N/A     D     CA Primary Refinance - Cash-out - Other   D B A A B B D A     No
XXXXXX 6000094222 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-01-06): Accepted as is.
     01/06/2026 2   A   A   A       B   CA Primary Refinance - Cash-out - Other   D B A A B B D A     No
XXXXXX 6000094267 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2024-09-23): Accepted as is based on meeting two RAs requirements.
       1 D N/A A A N/A N/A     D     TX Primary Refinance - Cash-out - Home Improvement   D B A A C B D A     No
XXXXXX 6000094267 XXXXXX   XXXXXX     Compliance Compliance Federal Compliance Missing Non-Required Data (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided.  Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. Rate lock agreement is missing in the file.       Reviewer Comment (2024-09-23): Accepted as is.
     09/23/2024 2 B B B B B B B B B B   TX Primary Refinance - Cash-out - Home Improvement   D B A A C B D A     No
XXXXXX 6000094267 XXXXXX   XXXXXX     Compliance Compliance State Compliance State Defect (TX50(t)(5)) (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal). No appraisal or valuation value used to determine LTV.  Unable to determine compliance with XXXX (t)(5) CLTV limitation due to missing appraisal or other evaluation to verify property value/LTV         Reviewer Comment (2024-09-23): Accepted as is.
     09/23/2024 2 B B B B B B B B B B   TX Primary Refinance - Cash-out - Home Improvement Send the borrower a written acknowledgement that the lien is valid only in the amount that the extension of credit does not exceed the CLTV of 80%. D B A A C B D A     Yes
XXXXXX 6000094267 XXXXXX   XXXXXX     Compliance Compliance State Compliance State Defect (TX50(a)(6)) Texas Cash-out Loan  (Itemization of Points and Fees Not Provided At Least 1 Business Day Prior to Closing - No Waiver) XXXX Constitution Section XXXX: Final itemized disclosure of fees, points, costs and charges not provided to borrower at least one (1) business day prior to closing without a waiver. Disclosure signed at closing       Reviewer Comment (2024-09-24): Received, Clearing.


Seller Comment (2024-09-24): Please see attached PreClosing Settlement Statement
 09/24/2024     1 C A C A C A C A C A   TX Primary Refinance - Cash-out - Home Improvement Refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. D B A A C B D A     Yes
XXXXXX 6000094267 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-01-06): Accepted as is.
     01/06/2026 2   A   A   A       B   TX Primary Refinance - Cash-out - Home Improvement   D B A A C B D A     No
XXXXXX 6000094219 XXXXXX   XXXXXX     Compliance Compliance Federal Compliance Missing Non-Required Data (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided.  Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. Rate lock date not provided.       Reviewer Comment (2024-09-18): Accepted as is.
     09/18/2024 2 B B B B B B B B B B   CA Primary Refinance - Cash-out - Other   D B A A B B D A     No
XXXXXX 6000094219 XXXXXX   XXXXXX     Compliance Compliance Federal Compliance GSE Fannie Mae 2014 - 3% Points and Fees Fannie Mae XXXX XXXX % Points and Fees Test.  Points and Fees on subject loan of XXXX% is in excess of the investor allowable maximum of the greater of XXXX% of the Federal Total Loan Amount and XXXX QM Points and Fees threshold exceeded by f XXXX       Reviewer Comment (2024-09-18): Accepted as is.
     09/18/2024 2 B B B B B B B B B B   CA Primary Refinance - Cash-out - Other LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. D B A A B B D A     Yes
XXXXXX 6000094219 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2024-09-18): Accepted as is based on meeting two RAs requirements.
       1 D N/A A A N/A N/A     D     CA Primary Refinance - Cash-out - Other   D B A A B B D A     No
XXXXXX 6000094219 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-01-06): Accepted as is.
     01/06/2026 2   A   A   A       B   CA Primary Refinance - Cash-out - Other   D B A A B B D A     No
XXXXXX 6000093980 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2024-09-24): Accepted as is based on meeting two RAs requirements.
       1 D N/A A A N/A N/A     D     CA Primary Refinance - Cash-out - Other   D B C A B B D A     No
XXXXXX 6000093980 XXXXXX   XXXXXX     Credit Loan Package Documentation Application / Processing Loan Package Documentation FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected.   The subject property is located in a FEMA disaster area. A post disaster inspection verifying there was no damage to the subject property is required.       Reviewer Comment (2024-10-02): PDI provided. Cleared.


Seller Comment (2024-10-02): XXXX


Reviewer Comment (2024-09-27): XXXX


Seller Comment (2024-09-26): Please see attached PCR Report.
 10/02/2024     1 C A C A C A C A C A   CA Primary Refinance - Cash-out - Other   D B C A B B D A     No
XXXXXX 6000093980 XXXXXX   XXXXXX     Compliance Compliance Federal Compliance Missing Non-Required Data (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided.  Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.         Reviewer Comment (2024-09-24): Accepted as is.
     09/24/2024 2 B B B B B B B B B B   CA Primary Refinance - Cash-out - Other   D B C A B B D A     No
XXXXXX 6000093980 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-01-06): Accepted as is.
     01/06/2026 2   A   A   A       B   CA Primary Refinance - Cash-out - Other   D B C A B B D A     No
XXXXXX 6000094299 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2024-09-23): Accepted as is based on meeting two RAs requirements.
       1 D N/A A A N/A N/A     D     FL Primary Refinance - Cash-out - Other   D B C A B B D A     No
XXXXXX 6000094299 XXXXXX   XXXXXX     Compliance Compliance Federal Compliance Missing Non-Required Data (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided.  Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.         Reviewer Comment (2024-09-23): Accepted as is.
     09/23/2024 2 B B B B B B B B B B   FL Primary Refinance - Cash-out - Other   D B C A B B D A     No
XXXXXX 6000094299 XXXXXX   XXXXXX     Credit Income / Employment Income Documentation Income / Employment Income Docs Missing: -         Reviewer Comment (2024-09-24): VOE provided pre close. Cleared.


Seller Comment (2024-09-24): Pre-consummation VVOE attached.


Reviewer Comment (2024-09-24): The provided VVOE is post-closing we need the VVOW the was done pre-consummation.


Seller Comment (2024-09-24): VVOE was completed on wrong form.  Please see updated PC VVOE attached.
 09/24/2024     1 C A C A C A C A C A   FL Primary Refinance - Cash-out - Other   D B C A B B D A     No
XXXXXX 6000094299 XXXXXX   XXXXXX     Credit Income / Employment Income Documentation Income / Employment Verification(s) of employment is not within 10 business days of the Note. -         Reviewer Comment (2024-09-24): VOE provided pre close. Cleared.


Reviewer Comment (2024-09-24): The provided VVOE is post-closing we need the VVOW the was done pre-consummation.


Seller Comment (2024-09-24): VVOE was completed on wrong form.  Please see updated PC VVOE attached.
 09/24/2024     1 C A C A C A C A C A   FL Primary Refinance - Cash-out - Other   D B C A B B D A     No
XXXXXX 6000094299 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-01-06): Accepted as is.
     01/06/2026 2   A   A   A       B   FL Primary Refinance - Cash-out - Other   D B C A B B D A     No
XXXXXX 4000046704 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2024-10-02): Accepted as is based on meeting two RAs requirements.
       1 D N/A A A N/A N/A     D     MO Investment Refinance - Cash-out - Other   D A A A A A D A     No
XXXXXX 4000046704 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-01-06): Accepted as is.
     01/06/2026 2   A   A   A       B   MO Investment Refinance - Cash-out - Other   D A A A A A D A     No
XXXXXX 4000048791 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___ Secondary valuation is not required for second lien files as per  XXXX program.       Reviewer Comment (2024-10-09): Accepted as is based on meeting two RAs requirements.
       1 D N/A A A N/A N/A     D     ME Investment Refinance - Cash-out - Other   D A C A A A D A     No
XXXXXX 4000048791 XXXXXX   XXXXXX     Credit Loan Package Documentation Application / Processing Loan Package Documentation FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected.   Property Inspection Report document is missing from file.       Reviewer Comment (2024-10-18): Received, Clearing.
 10/18/2024     1 C A C A C A C A C A   ME Investment Refinance - Cash-out - Other   D A C A A A D A     No
XXXXXX 4000048791 XXXXXX   XXXXXX     Property Valuation General Valuation Valuation Product pending   XXXX / Post Disaster Inspection + XXXX - XXXX  Days       Reviewer Comment (2024-10-18): Received, Clearing.


Reviewer Comment (2024-10-18): XXXX
 10/18/2024     1   A   A   A   A   A   ME Investment Refinance - Cash-out - Other   D A C A A A D A     No
XXXXXX 4000048791 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-01-06): Accepted as is.
     01/06/2026 2   A   A   A       B   ME Investment Refinance - Cash-out - Other   D A C A A A D A     No
XXXXXX 4000051452 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___ One valuation was provided, with no CU or LCA       Reviewer Comment (2024-11-19): Accepted as is based on meeting three RAs requirements
       1 D N/A A A N/A N/A     D     CA Primary Refinance - Cash-out - Other   D A A A A A D A     No
XXXXXX 4000051452 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-01-06): Accepted as is.
     01/06/2026 2   A   A   A       B   CA Primary Refinance - Cash-out - Other   D A A A A A D A     No
XXXXXX 4000052401 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2024-12-04): Accepted as is based on meeting two RAs requirements
       1 D N/A A A N/A N/A     D     SC Primary Refinance - Cash-out - Other   D A A A A A D A     No
XXXXXX 4000052401 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-01-06): Accepted as is.
     01/06/2026 2   A   A   A       B   SC Primary Refinance - Cash-out - Other   D A A A A A D A     No
XXXXXX 4000057043 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___ Valuation is supported by an AVM with XXXX FSD Score.       Reviewer Comment (2024-12-16): Accepted as is based on meeting two RAs requirements.
       1 D N/A A A N/A N/A     D     CA Primary Refinance - Cash-out - Other   D A A A A A D A     No
XXXXXX 4000057043 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-01-06): Accepted as is.
     01/06/2026 2   A   A   A       B   CA Primary Refinance - Cash-out - Other   D A A A A A D A     No
XXXXXX 4000056539 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___ Secondary Valuation is not required per Guidelines.       Reviewer Comment (2024-12-16): Accepted as is based on meeting two RAs requirements.
       1 D N/A A A N/A N/A     D     IL Primary Refinance - Cash-out - Other   D A C A C A D A     No
XXXXXX 4000056539 XXXXXX   XXXXXX     Credit Loan Package Documentation Application / Processing Loan Package Documentation FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected.           Reviewer Comment (2024-12-18): Received, Clearing.
 12/18/2024     1 C A C A C A C A C A   IL Primary Refinance - Cash-out - Other   D A C A C A D A     No
XXXXXX 4000056539 XXXXXX   XXXXXX     Compliance Compliance State Compliance State Defect Illinois SB 1894 XXXX  Predatory Lending Database Program (XXXX) - Certificate of Compliance or Exemption not attached to mortgage for recording. XXXX Predatory Lending Database Program XXXX) is missing in file.       Reviewer Comment (2024-12-17): Received, cleared


Seller Comment (2024-12-17): Comment from XXXX (XXXX): XXXX please see attached please clear thank you
 12/17/2024     1 C A C A C A C A C A   IL Primary Refinance - Cash-out - Other   D A C A C A D A     No
XXXXXX 4000056539 XXXXXX   XXXXXX     Property Valuation General Valuation Valuation Product pending   XXXX / Post Disaster Inspection + XXXX -XXXX  Days       Reviewer Comment (2024-12-18): Received, Clearing.


Reviewer Comment (2024-12-18): Valuation Received - XXXX
 12/18/2024     1   A   A   A   A   A   IL Primary Refinance - Cash-out - Other   D A C A C A D A     No
XXXXXX 4000056539 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-01-06): Accepted as is.
     01/06/2026 2   A   A   A       B   IL Primary Refinance - Cash-out - Other   D A C A C A D A     No
XXXXXX 4000055087 XXXXXX   XXXXXX     Credit Loan Package Documentation Application / Processing Loan Package Documentation Missing Document: Missing Final 1003   The file is missing a copy of the 1003 Final.       Reviewer Comment (2025-01-13): Received 1003 Final. Exception cleared.


Seller Comment (2025-01-13): Comment from XXXX (XXXX): FINAL 1003
 01/13/2025     1 C A C A C A C A C A   IL Investment Refinance - Cash-out - Other   D B C B A A D A     No
XXXXXX 4000055087 XXXXXX   XXXXXX     Credit Loan Package Documentation Loan File Missing Document  Missing Document: Hazard Insurance Policy not provided   The file is missing a copy of the Hazard Insurance Policy.       Reviewer Comment (2025-01-08): Received, Clearing.


Seller Comment (2025-01-08): Comment from XXXX (XXXX): HAZARD POLICY
 01/08/2025     1 C A C A C A C A C A   IL Investment Refinance - Cash-out - Other   D B C B A A D A     No
XXXXXX 4000055087 XXXXXX   XXXXXX     Credit Loan Package Documentation Closing / Title Missing Document  Missing Document: Rider - Other not provided   The file is missing a copy of the Business Loan Rider       Reviewer Comment (2025-01-08): Received Rider - Other. Exception cleared.


Seller Comment (2025-01-08): Comment from XXXX  (XXXX): BUSINESS LOAN RIDER
 01/08/2025     1 C A C A C A C A C A   IL Investment Refinance - Cash-out - Other   D B C B A A D A     No
XXXXXX 4000055087 XXXXXX   XXXXXX     Credit Loan Package Documentation Application / Processing Missing Document  Missing Document: Fraud Report not provided   The file is missing a copy of the Fraud Report.       Reviewer Comment (2025-01-08): Received Fraud Report. Exception cleared.


Seller Comment (2025-01-08): Comment from XXXX (XXXX): FRAUD REPORT
 01/08/2025     1 C A C A C A C A C A   IL Investment Refinance - Cash-out - Other   D B C B A A D A     No
XXXXXX 4000055087 XXXXXX   XXXXXX     Credit Income / Employment Income Documentation Income / Employment Verification(s) of employment is not within 10 business days of the Note. - Verification(s) of employment is not within XXXX business days of the Note.       Reviewer Comment (2025-01-08): Received Verification(s) of employment within XXXX business days of the Note. Exception cleared.


Seller Comment (2025-01-08): Comment from XXXX (XXXX): VERBAL VOE
 01/08/2025     1 C A C A C A C A C A   IL Investment Refinance - Cash-out - Other   D B C B A A D A     No
XXXXXX 4000055087 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2024-12-20): Accepted as is based on meeting three RAs requirements
       1 D N/A A A N/A N/A     D     IL Investment Refinance - Cash-out - Other   D B C B A A D A     No
XXXXXX 4000055087 XXXXXX   XXXXXX     Credit Hazard Insurance Document Error Hazard Insurance Hazard Insurance policy does not list Lender or Servicer and its successors and assigns, per guideline requirements.           Reviewer Comment (2025-01-13): Received, Clearing.


Seller Comment (2025-01-10): Comment from XXXX (XXXX): HAZARD INS
 01/13/2025     1   A   A   A   A   A   IL Investment Refinance - Cash-out - Other   D B C B A A D A     No
XXXXXX 4000055087 XXXXXX   XXXXXX     Credit Insurance Insurance Analysis Insurance Hazard Insurance Policy expires within 90 days of the Note Date.           Reviewer Comment (2025-01-08): Accepted as is.
     01/08/2025 2   B   B   B   B   B   IL Investment Refinance - Cash-out - Other   D B C B A A D A     No
XXXXXX 4000055087 XXXXXX   XXXXXX     Credit Insurance Insurance Analysis Insurance Insufficient Coverage: Hazard insurance coverage amount is insufficient.           Reviewer Comment (2025-01-12): Received updated Hazard Insurance Policy with coverage amount of $XXXX.Exception cleared.


Seller Comment (2025-01-10): Comment from XXXX  (XXXX): HAZARD POLICY


Reviewer Comment (2025-01-08): Min to cover first and second loan amounts would be $XXXX


Seller Comment (2025-01-08): Comment from XXXX (XXXX): FOR COVERAGE AMOUNT
 01/12/2025     1   A   A   A   A   A   IL Investment Refinance - Cash-out - Other   D B C B A A D A     No
XXXXXX 4000055087 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-01-06): Accepted as is.
     01/06/2026 2   A   A   A       B   IL Investment Refinance - Cash-out - Other   D B C B A A D A     No
XXXXXX 4000058090 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2024-12-23): Accepted as is based on meeting two RAs requirements.
       1 D N/A A A N/A N/A     D N/A   IL Primary Refinance - Cash-out - Other   D A A A A A D A     No
XXXXXX 6000094795 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2025-01-07): Accepted as is based on meeting two RAs requirements.
       1 D N/A A A N/A N/A     D     FL Primary Refinance - Cash-out - Other   D B A A B B D A     No
XXXXXX 6000094795 XXXXXX   XXXXXX     Compliance Compliance Federal Compliance Missing Non-Required Data (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided.  Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.         Reviewer Comment (2025-01-07): Accepted as is.
     01/07/2025 2 B B B B B B B B B B   FL Primary Refinance - Cash-out - Other   D B A A B B D A     No
XXXXXX 6000094795 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-01-06): Accepted as is.
     01/06/2026 2   A   A   A       B   FL Primary Refinance - Cash-out - Other   D B A A B B D A     No
XXXXXX 4000055862 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2024-12-31): Accepted as is based on meeting two RAs requirements.
       1 D N/A A A N/A N/A     D     AZ Primary Refinance - Cash-out - Other   D A A A A A D A     No
XXXXXX 4000055862 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-01-06): Accepted as is.
     01/06/2026 2   A   A   A       B   AZ Primary Refinance - Cash-out - Other   D A A A A A D A     No
XXXXXX 4000055942 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___ Secondary Valuation is not required per Guidelines       Reviewer Comment (2025-01-07): Accepted as is based on meeting three RAs requirements
       1 D N/A A A N/A N/A     D     IL Investment Refinance - Cash-out - Other   D A D A A A D A     No
XXXXXX 4000055942 XXXXXX   XXXXXX     Credit Loan Package Documentation Application / Processing Loan Package Documentation Missing Document: Note - Senior Lien not provided   Senior mortgage statement missing       Reviewer Comment (2025-05-06): Received senior lien mortgage statement. Exception cleared.


Seller Comment (2025-05-05): Comment from XXXX (XXXX): Please see the attached LOE from Condo association nd supporting docs. Thanks.


Reviewer Comment (2025-02-24): Received mortgage statement for XXXX Please provide Senior lien Note document for subject property to verify P&I and interest rate or Mortgage statement for subject property XXXX. Exception remains.


Seller Comment (2025-02-24): Comment from XXXX (XXXX): Please see attacged


Reviewer Comment (2025-01-26): Please provide Senior lien Note document for subject property to verify P&I and interest rate. Exception remains.


Buyer Comment (2025-01-24): Comment from XXXX (XXXX): no mortgage statement
 05/06/2025     1 D A D A D A D A D A   IL Investment Refinance - Cash-out - Other   D A D A A A D A     No
XXXXXX 4000055942 XXXXXX   XXXXXX     Credit Income / Employment Income Documentation Missing Document  REO Documents are missing. - Missing better HELOC agreement for XXXX       Reviewer Comment (2025-01-26): Received HELOC agreement for XXXX Exception Cleared.


Seller Comment (2025-01-24): Comment from XXXX (XXXX): Please see attached
 01/26/2025     1 C A C A C A C A C A   IL Investment Refinance - Cash-out - Other   D A D A A A D A     No
XXXXXX 4000055942 XXXXXX   XXXXXX     Credit Income / Employment Income Documentation Missing Document  REO Documents are missing. - ___ Missing XXXX with market rents for subject property       Reviewer Comment (2025-03-20): Received, Clearing.


Seller Comment (2025-03-20): Comment from XXXX (XXXX): Please see attached


Reviewer Comment (2025-03-10): It looks like rental income on the subject was used to qualify based on 1003 and If we omit the income, our DTI would be XXXX.


Buyer Comment (2025-03-10): Comment from XXXX (XXXX): Please refer to the HELOC guides or escalate to XXXX. 1007's are not required for rental income. Thank you.


Reviewer Comment (2025-02-24): Received Schedule E does not reflect Rental income for subject property. Please provide Comparable Rent Schedule or Lease agreement for subject property XXXX Exception remains.


Seller Comment (2025-02-24): Comment from XXXX (XXXX): Please see attached


Reviewer Comment (2025-01-26): As per final 1003 subject property having Monthly Rental Income is $XXXX. Please provide Lease agreement or Schedule E of the borrower's personal tax returns or on Rental Real Estate Income and Expenses of a Partnership or an S Corporation form. Exception remains.


Buyer Comment (2025-01-24): Comment from XXXX (XXXX): This is not require for HELOCs
 03/20/2025     1 C A C A C A C A C A   IL Investment Refinance - Cash-out - Other   D A D A A A D A     No
XXXXXX 4000055942 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-01-06): Accepted as is.
     01/06/2026 2   A   A   A       B   IL Investment Refinance - Cash-out - Other   D A D A A A D A     No
XXXXXX 4000058643 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___ Loan is to be securitized. AVM was provided, with no CU or LCA.       Reviewer Comment (2025-01-09): Accepted as is based on meeting two RAs requirements.
       1 D N/A A A N/A N/A     D N/A   IL Primary Refinance - Cash-out - Other   D A A A A A D A     No
XXXXXX 4000060375 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___ Secondary valuation is not required for second lien files as per heloc Program.       Reviewer Comment (2025-01-14): Accepted as is based on meeting three RAs requirements
       1 D N/A A A N/A N/A     D     CA Primary Refinance - Cash-out - Other   D B C B C A D A     No
XXXXXX 4000060375 XXXXXX   XXXXXX     Credit Loan Package Documentation Application / Processing Loan Package Documentation FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date.     Property inspected post disaster but pre-FEMA declaration of disaster end date. Property inspected post disaster but [XXXX] declaration of disaster end date. SitusAMC Reviewer Comment (2025-01-16): Property inspected post disaster but pre-FEMA declaration of disaster end date.
     01/16/2025 2 C B C B C B C B C B   CA Primary Refinance - Cash-out - Other   D B C B C A D A     No
XXXXXX 4000060375 XXXXXX   XXXXXX     Compliance Compliance Federal Compliance TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act:  Subject loan transaction disbursed on XXXX, prior to three (3) business days from transaction date of XXXX  XXXX AM. Subject loan transaction disbursed on XXXX  prior to three (3) business days from transaction date of XXXX       Reviewer Comment (2025-01-15): Received, Clearing.


Seller Comment (2025-01-15): Comment from XXXX (XXXX):XXXX Please see attached final Disbursement Ledger showing that the disbursement date was after the rescission period expired.
 01/15/2025     1 C A C A C A C A C A   CA Primary Refinance - Cash-out - Other TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form D B C B C A D A     Yes
XXXXXX 4000060375 XXXXXX   XXXXXX     Property Valuation General Valuation Valuation Product pending   XXXX / Post Disaster Inspection + XXXX - XXXX Days       Reviewer Comment (2025-01-16): c


Reviewer Comment (2025-01-15): Valuation Received - XXXX
 01/16/2025     1   A   A   A   A   A   CA Primary Refinance - Cash-out - Other   D B C B C A D A     No
XXXXXX 4000060375 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-01-06): Accepted as is.
     01/06/2026 2   A   A   A       B   CA Primary Refinance - Cash-out - Other   D B C B C A D A     No
XXXXXX 4000060899 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___ Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: XXXX       Reviewer Comment (2025-01-15): Accepted as is based on meeting three RAs requirements.
       1 D N/A A A N/A N/A     D     AZ Primary Refinance - Cash-out - Other   D B B B A A D A     No
XXXXXX 4000060899 XXXXXX   XXXXXX     Credit Title General Title Title Policy Coverage is less than Original Loan Amount. The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. Provide title evidence with policy amount of $XXXX       Reviewer Comment (2025-01-15): Accepted as is.
     01/15/2025 2 B B B B B B B B B B   AZ Primary Refinance - Cash-out - Other   D B B B A A D A     No
XXXXXX 4000060899 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-01-06): Accepted as is.
     01/06/2026 2   A   A   A       B   AZ Primary Refinance - Cash-out - Other   D B B B A A D A     No
XXXXXX 4000060952 XXXXXX   XXXXXX     Credit Loan Package Documentation Application / Processing Loan Package Documentation FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected.           Reviewer Comment (2025-01-21): Received. Clearing.
 01/21/2025     1 C A C A C A C A C A   CT Investment Refinance - Cash-out - Other   D A C A A A D A     No
XXXXXX 4000060952 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___ Secondary Valuation is not required per Guidelines.       Reviewer Comment (2025-01-16): Accepted as is based on meeting three RAs requirements
       1 D N/A A A N/A N/A     D     CT Investment Refinance - Cash-out - Other   D A C A A A D A     No
XXXXXX 4000060952 XXXXXX   XXXXXX     Property Valuation General Valuation Valuation Product pending   XXXX / Post Disaster Inspection + XXXX -XXXX Days       Reviewer Comment (2025-01-21): Received. Clearing.


Reviewer Comment (2025-01-18): Valuation Received - XXXX
 01/21/2025     1   A   A   A   A   A   CT Investment Refinance - Cash-out - Other   D A C A A A D A     No
XXXXXX 4000060952 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-01-06): Accepted as is.
     01/06/2026 2   A   A   A       B   CT Investment Refinance - Cash-out - Other   D A C A A A D A     No
XXXXXX 4000061340 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___ One valuation was provided, with no CU or LCA       Reviewer Comment (2025-01-23): Accepted as is based on meeting two RAs requirements
       1 D N/A A A N/A N/A     D     NC Second Home Refinance - Cash-out - Other   D B C A B B D A     No
XXXXXX 4000061340 XXXXXX   XXXXXX     Credit Income / Employment Income Documentation Missing Document  REO Documents are missing. - The file was missing a copy of HOA Verification       Reviewer Comment (2025-03-20): Received HOA Verification. Exception cleared.


Seller Comment (2025-03-19): Comment from XXXX (XXXX): Please see attached
 03/20/2025     1 C A C A C A C A C A   NC Second Home Refinance - Cash-out - Other   D B C A B B D A     No
XXXXXX 4000061340 XXXXXX   XXXXXX     Credit Loan Package Documentation Application / Processing Loan Package Documentation FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected.   Property is located in a FEMA Disaster area and has not been inspected.       Reviewer Comment (2025-01-28): Received, Clearing.
 01/28/2025     1 C A C A C A C A C A   NC Second Home Refinance - Cash-out - Other   D B C A B B D A     No
XXXXXX 4000061340 XXXXXX   XXXXXX     Compliance Compliance Federal Compliance RESPA RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.       Reviewer Comment (2025-01-23): Accepted as is.
     01/23/2025 2 B B B B B B B B B B   NC Second Home Refinance - Cash-out - Other   D B C A B B D A     No
XXXXXX 4000061340 XXXXXX   XXXXXX     Property Valuation General Valuation Valuation Product pending   XXXX / Post Disaster Inspection + XXXX -XXXX Days       Reviewer Comment (2025-01-28): Received, Clearing.


Reviewer Comment (2025-01-28): Valuation Received - XXXX
 01/28/2025     1   A   A   A   A   A   NC Second Home Refinance - Cash-out - Other   D B C A B B D A     No
XXXXXX 4000061340 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-01-06): Accepted as is.
     01/06/2026 2   A   A   A       B   NC Second Home Refinance - Cash-out - Other   D B C A B B D A     No
XXXXXX 4000057473 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2025-01-23): Accepted as is based on meeting three RAs requirements
       1 D N/A A A N/A N/A     D     CT Investment Refinance - Cash-out - Other   D A A A A A D A     No
XXXXXX 4000057473 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-01-06): Accepted as is.
     01/06/2026 2   A   A   A       B   CT Investment Refinance - Cash-out - Other   D A A A A A D A     No
XXXXXX 4000061744 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___ Secondary valuation is not required for second lien files as per HELOC program.       Reviewer Comment (2025-01-30): Accepted as is based on meeting three RAs requirements.
       1 D N/A A A N/A N/A     D     NV Primary Refinance - Cash-out - Other   D A A A A A D A     No
XXXXXX 4000061744 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-01-06): Accepted as is.
     01/06/2026 2   A   A   A       B   NV Primary Refinance - Cash-out - Other   D A A A A A D A     No
XXXXXX 4000062116 XXXXXX   XXXXXX     Compliance Compliance Federal Compliance TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date Truth in Lending Act:  Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s).       Reviewer Comment (2025-02-03): Received, Clearing.


Seller Comment (2025-02-03): Comment from XXXX(XXXX): XXXX: Please see the attached Settlement Statement reflecting a disbursement date of XXXX
 02/03/2025     1 C A C A C A C A C A   CA Primary Refinance - Cash-out - Other TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form D A A A C A D A     Yes
XXXXXX 4000062116 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___ Secondary Valuation is not required per Guidelines.       Reviewer Comment (2025-01-29): Accepted as is based on meeting two RAs requirements
       1 D N/A A A N/A N/A     D     CA Primary Refinance - Cash-out - Other   D A A A C A D A     No
XXXXXX 4000062116 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-01-06): Accepted as is.
     01/06/2026 2   A   A   A       B   CA Primary Refinance - Cash-out - Other   D A A A C A D A     No
XXXXXX 4000063062 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___ The file is missing a copy of the secondary valuation required for securitization purposes.       Reviewer Comment (2025-01-30): Accepted as is based on meeting three RAs requirements.
       1 D N/A A A N/A N/A     D     AZ Primary Refinance - Cash-out - Other   D A A A A A D A     No
XXXXXX 4000063062 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-01-06): Accepted as is.
     01/06/2026 2   A   A   A       B   AZ Primary Refinance - Cash-out - Other   D A A A A A D A     No
XXXXXX 4000060855 XXXXXX   XXXXXX     Credit Loan Package Documentation Application / Processing Missing Document  Missing Document: Fraud Report not provided   The file is missing copy of fraud report .       Reviewer Comment (2025-02-06): Received Fraud Report. Exception cleared.


Seller Comment (2025-02-06): Comment from XXXX (XXXX): FRAUD REPORT
 02/06/2025     1 C A C A C A C A C A   NY Primary Refinance - Cash-out - Other   C A C A A A A A     No
XXXXXX 4000062659 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2025-02-03): Accepted as is based on meeting two RAs requirements
       1 D N/A A A N/A N/A     D     CA Primary Refinance - Cash-out - Other   D B C B A A D A     No
XXXXXX 4000062659 XXXXXX   XXXXXX     Credit Loan Package Documentation Application / Processing Loan Package Documentation FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date.     Property inspected post disaster but pre-FEMA declaration of disaster end date. Property inspected post disaster but[XXXX] declaration of disaster end date. SitusAMC Reviewer Comment (2025-02-04): Property inspected post disaster but pre-FEMA declaration of disaster end date.
     02/04/2025 2 C B C B C B C B C B   CA Primary Refinance - Cash-out - Other   D B C B A A D A     No
XXXXXX 4000062659 XXXXXX   XXXXXX     Credit Credit Miscellaneous Guideline Credit Exception:   A new VOE/CPA letter (if XXXX) confirming the borrower was not impacted by the wildfires.       Reviewer Comment (2025-03-20): Received, Clearing.


Seller Comment (2025-03-19): Comment from XXXX (XXXX): Please see attached
 03/20/2025     1 C A C A C A C A C A   CA Primary Refinance - Cash-out - Other   D B C B A A D A     No
XXXXXX 4000062659 XXXXXX   XXXXXX     Property Valuation General Valuation Valuation Product pending   XXXX / Post Disaster Inspection + XXXX - XXXX Days       Reviewer Comment (2025-02-04): C


Reviewer Comment (2025-02-03): Valuation Received - XXXX
 02/04/2025     1   A   A   A   A   A   CA Primary Refinance - Cash-out - Other   D B C B A A D A     No
XXXXXX 4000062659 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-01-06): Accepted as is.
     01/06/2026 2   A   A   A       B   CA Primary Refinance - Cash-out - Other   D B C B A A D A     No
XXXXXX 4000061363 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___ Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: XXXX       Reviewer Comment (2025-02-03): Accepted as is based on meeting two RAs requirements
       1 D N/A A A N/A N/A     D     NJ Primary Refinance - Cash-out - Other   D A A A A A D A     No
XXXXXX 4000061363 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-01-06): Accepted as is.
     01/06/2026 2   A   A   A       B   NJ Primary Refinance - Cash-out - Other   D A A A A A D A     No
XXXXXX 4000064587 XXXXXX   XXXXXX     Property Appraisal Reconciliation Appraisal Documentation Appraisal Reconciliation Appraisal from prior transaction provided. No secondary valuation with effective date less than 3 months past note date provided. Sec ID: 156 Note Date:  ___; Lien Position: ___ Provided appraisal is from another transaction. There is no verification in file the first lien is from XXXX as required to allow the use of this appraisal.       Reviewer Comment (2025-02-14): Accepted as is based on meeting three RAs requirements
       1 D N/A A A N/A N/A     D     ID Primary Refinance - Cash-out - Other   D A C A A A D A     No
XXXXXX 4000064587 XXXXXX   XXXXXX     Credit Credit Miscellaneous Guideline Credit Exception:   The appraisal report has been cut off at the bottom of each page.       Reviewer Comment (2025-02-24): Received, Clearing.


Seller Comment (2025-02-24): Comment from XXXX (XXXX): Appraisal
 02/24/2025     1 C A C A C A C A C A   ID Primary Refinance - Cash-out - Other   D A C A A A D A     No
XXXXXX 4000064587 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-01-06): Accepted as is.
     01/06/2026 2   A   A   A       B   ID Primary Refinance - Cash-out - Other   D A C A A A D A     No
XXXXXX 4000063742 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2025-02-17): Accepted as is based on meeting two RAs requirements
       1 D N/A A A N/A N/A     D     CA Investment Refinance - Cash-out - Other   D B B B A A D A     No
XXXXXX 4000063742 XXXXXX   XXXXXX     Credit Title Document Error Title The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided.   Title policy amount is not mentioned on title policy.       Reviewer Comment (2025-02-17): Waived per client request
     02/17/2025 2 B B B B B B B B B B   CA Investment Refinance - Cash-out - Other   D B B B A A D A     No
XXXXXX 4000063742 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-01-06): Accepted as is.
     01/06/2026 2   A   A   A       B   CA Investment Refinance - Cash-out - Other   D B B B A A D A     No
XXXXXX 4000065926 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___ Secondary Valuation is not required per Guidelines.       Reviewer Comment (2025-02-18): Accepted as is based on meeting three RAs requirements
       1 D N/A A A N/A N/A     D     OR Investment Refinance - Cash-out - Other   D B C A B B D A     No
XXXXXX 4000065926 XXXXXX   XXXXXX     Credit Loan Package Documentation Application / Processing Missing Document  Missing Document: Approval not provided   Approval or 1008 missing       Reviewer Comment (2025-02-19): Received 1008. Exception cleared.


Seller Comment (2025-02-19): Comment from XXXX (XXXX): FINAL 1008
 02/19/2025     1 C A C A C A C A C A   OR Investment Refinance - Cash-out - Other   D B C A B B D A     No
XXXXXX 4000065926 XXXXXX   XXXXXX     Credit Loan Package Documentation Application / Processing Missing Document  Missing Document: Fraud Report not provided   Fraud Report is missing.       Reviewer Comment (2025-02-18): Provided. Cleared


Seller Comment (2025-02-18): Comment from XXXX (XXXX): FRAUD REPORT
 02/18/2025     1 C A C A C A C A C A   OR Investment Refinance - Cash-out - Other   D B C A B B D A     No
XXXXXX 4000065926 XXXXXX   XXXXXX     Compliance Compliance Federal Compliance Missing Non-Required Data Disbursement Date Missing Test Disbursement Date Missing: Evidence of disbursement date not found in file. Note Interest Accrual Start Date of XXXX used as disbursement date for compliance testing. Evidence of disbursement date not found in file. Note Interest Accrual Start Date of XXXX used as disbursement date for compliance testing.       Reviewer Comment (2025-02-18): Accepted as is.
     02/18/2025 2 B B B B B B B B B B   OR Investment Refinance - Cash-out - Other   D B C A B B D A     No
XXXXXX 4000065926 XXXXXX   XXXXXX     Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Guideline Requirement: Investor qualifying total debt ratio discrepancy.   Based on the payoffs listed on the 1003, the DTI exceeds maximum. Missing breakdown of housing allowance which is non-taxable       Reviewer Comment (2025-02-19): Received breakdown of non-taxable income


Seller Comment (2025-02-19): Comment from XXXX (XXXX): INCOME CALC WORKSHEET DETAILED COMMENTS ON THE BOTTOM OF THE CALCULATOR
 02/19/2025     1 C A C A C A C A C A   OR Investment Refinance - Cash-out - Other   D B C A B B D A     No
XXXXXX 4000065926 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-01-06): Accepted as is.
     01/06/2026 2   A   A   A       B   OR Investment Refinance - Cash-out - Other   D B C A B B D A     No
XXXXXX 4000063691 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___ One valuation was provided, with no CU or LCA.       Reviewer Comment (2025-02-17): Accepted as is based on meeting two RAs requirements
       1 D N/A A A N/A N/A     D     WA Investment Refinance - Cash-out - Other   D A C A A A D A     No
XXXXXX 4000063691 XXXXXX   XXXXXX     Credit Income / Employment Income Documentation Missing Document  REO Documents are missing. - The file was missing a copy of Insurance Verification, Tax Verification       Reviewer Comment (2025-04-29): Received Insurance and Tax Verification for property XXXX Exception cleared.


Seller Comment (2025-04-28): Comment from XXXX (XXXX): XXXX: See attached tax and insurance
 04/29/2025     1 C A C A C A C A C A   WA Investment Refinance - Cash-out - Other   D A C A A A D A     No
XXXXXX 4000063691 XXXXXX   XXXXXX     Credit Title Document Error Title The Preliminary/Commitment does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided.   The preliminary title report in file did not disclose the amount of title insurance coverage. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount.       Reviewer Comment (2025-04-30): Received, Clearing.


Seller Comment (2025-04-30): Comment from XXXX (XXXX): XXXX: Coverage on title policy shows $XXXX
 04/30/2025     1 C A C A C A C A C A   WA Investment Refinance - Cash-out - Other   D A C A A A D A     No
XXXXXX 4000063691 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-01-06): Accepted as is.
     01/06/2026 2   A   A   A       B   WA Investment Refinance - Cash-out - Other   D A C A A A D A     No
XXXXXX 4000062598 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___ Valuation is supported by an AVM with XXXX FSD Score.       Reviewer Comment (2025-02-19): Accepted as is based on meeting two RAs requirements
       1 D N/A A A N/A N/A     D     CA Primary Refinance - Cash-out - Other   D A A A A A D A     No
XXXXXX 4000062598 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-01-06): Accepted as is.
     01/06/2026 2   A   A   A       B   CA Primary Refinance - Cash-out - Other   D A A A A A D A     No
XXXXXX 4000064283 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 180 Note Date:  ___; Lien Position: ___         Reviewer Comment (2025-02-26): Accepted as is based on meeting three RAs requirements
       3 D N/A A A N/A N/A     D D   CA Primary Refinance - Cash-out - Other   D D C A B B D D     No
XXXXXX 4000064283 XXXXXX   XXXXXX     Credit Loan Package Documentation Application / Processing Loan Package Documentation FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected.           Reviewer Comment (2025-03-04): Received, Clearing.
 03/04/2025     1 C A C A C A C A C A   CA Primary Refinance - Cash-out - Other   D D C A B B D D     No
XXXXXX 4000064283 XXXXXX   XXXXXX     Compliance Compliance Federal Compliance ECOA ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant XXXX (XXXX) business days prior to consummation.         Reviewer Comment (2025-02-26): Accepted as is.
     02/26/2025 2 B B B B B B B B B B   CA Primary Refinance - Cash-out - Other   D D C A B B D D     No
XXXXXX 4000064283 XXXXXX   XXXXXX     Property Valuation General Valuation Valuation Product pending   XXXX / Post Disaster Inspection + XXXX -XXXX Days       Reviewer Comment (2025-03-04): Received, Clearing.


Reviewer Comment (2025-03-03): Valuation Received - XXXX
 03/04/2025     1   A   A   A   A   A   CA Primary Refinance - Cash-out - Other   D D C A B B D D     No
XXXXXX 4000064283 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 372 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-01-06): Accepted as is.
     01/06/2026 2   B   A   A       A   CA Primary Refinance - Cash-out - Other   D D C A B B D D     No
XXXXXX 4000058914 XXXXXX   XXXXXX     Compliance Compliance Federal Compliance ECOA ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant XXXX (XXXX) business days prior to consummation.         Reviewer Comment (2025-02-27): Accepted as is.
     02/27/2025 2 B B B B B B B B B B   DE Investment Refinance - Cash-out - Other   B B A A B B A A     No
XXXXXX 4000066003 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___ Loan is to be securitized. One valuation was provided, with no CU or LCA.       Reviewer Comment (2025-03-04): Accepted as is based on meeting two RAs requirements
       1 D N/A A A N/A N/A     D     NC Second Home Refinance - Cash-out - Other   D A A A A A D A     No
XXXXXX 4000066003 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-01-06): Accepted as is.
     01/06/2026 2   A   A   A       B   NC Second Home Refinance - Cash-out - Other   D A A A A A D A     No
XXXXXX 4000058300 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 180 Note Date:  ___; Lien Position: ___         Reviewer Comment (2025-03-06): Accepted as is based on meeting two RAs requirements
       3 D N/A A A N/A N/A     D D   OH Primary Refinance - Cash-out - Other   D D C A C B D D     No
XXXXXX 4000058300 XXXXXX   XXXXXX     Credit Loan Package Documentation Application / Processing Missing Document  Missing Document: Approval not provided           Reviewer Comment (2025-03-07): Received, Clearing.


Seller Comment (2025-03-07): Comment from XXXX (XXXX): JOY APPROVAL
 03/07/2025     1 C A C A C A C A C A   OH Primary Refinance - Cash-out - Other   D D C A C B D D     No
XXXXXX 4000058300 XXXXXX   XXXXXX     Credit Loan Package Documentation Loan File Missing Document  Missing Document: Hazard Insurance Policy not provided           Reviewer Comment (2025-03-07): Received, Clearing.


Seller Comment (2025-03-07): Comment from XXXX (XXXX): HAZARD INSURANCE
 03/07/2025     1 C A C A C A C A C A   OH Primary Refinance - Cash-out - Other   D D C A C B D D     No
XXXXXX 4000058300 XXXXXX   XXXXXX     Compliance Compliance State Compliance Misc. State Level Ohio Consumer Sales Practices Act (Right Not To Close Disclosure Not Provided Timely) XXXX Consumer Sales Practices Act: Borrower not provided Right Not To Close Disclosure at Closing.         Reviewer Comment (2025-03-06): Accepted as is.
     03/06/2025 2 B B B B B B B B B B   OH Primary Refinance - Cash-out - Other   D D C A C B D D     No
XXXXXX 4000058300 XXXXXX   XXXXXX     Compliance Compliance Federal Compliance TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act:  Subject loan transaction disbursed on XXXX, prior to XXXX (XXXX) business days from transaction date of XXXX.         Reviewer Comment (2025-03-07): Received, Clearing.


Seller Comment (2025-03-07): Comment from XXXX (XXXX): PLEASE READ EMAIL
 03/07/2025     1 C A C A C A C A C A   OH Primary Refinance - Cash-out - Other TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form D D C A C B D D     Yes
XXXXXX 4000058300 XXXXXX   XXXXXX     Compliance Compliance Federal Compliance ECOA ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. Creditor did not provide a copy of each valuation within XXXXbusiness days of closing.       Reviewer Comment (2025-03-06): Accepted as is.
     03/06/2025 2 B B B B B B B B B B   OH Primary Refinance - Cash-out - Other   D D C A C B D D     No
XXXXXX 4000058300 XXXXXX   XXXXXX     Credit Credit Miscellaneous Guideline Credit Exception:   Provide evidence the judgement in the amount of $XXXX is paid in full, it is not listed on the HELC agreement to be included in the pay offs.       Reviewer Comment (2025-03-07): Received, Clearing.


Seller Comment (2025-03-07): Comment from XXXX (XXXX): COPY OF CHECK PAID IN FULL
 03/07/2025     1   A   A   A   A   A   OH Primary Refinance - Cash-out - Other   D D C A C B D D     No
XXXXXX 4000065182 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2025-03-07): Accepted as is based on meeting two RAs requirements
       1 D N/A A A N/A N/A     D N/A   IL Primary Refinance - Cash-out - Other   D A A A A A D A     No
XXXXXX 4000057959 XXXXXX   XXXXXX     Credit Loan Package Documentation Application / Processing Loan Package Documentation FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster.           Reviewer Comment (2025-03-12): Received, Clearing.
 03/12/2025     1 C A C A C A C A C A   CA Investment Refinance - Cash-out - Other   D A C A A A D A     No
XXXXXX 4000057959 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2025-03-10): Accepted as is based on meeting three RAs requirements.
       1 D N/A A A N/A N/A     D     CA Investment Refinance - Cash-out - Other   D A C A A A D A     No
XXXXXX 4000057959 XXXXXX   XXXXXX     Property Valuation General Valuation Valuation Product pending   XXXX / Post Disaster Inspection + XXXX -XXXXDays       Reviewer Comment (2025-03-12): Received, Clearing.


Reviewer Comment (2025-03-12): Valuation Received - XXXX
 03/12/2025     1   A   A   A   A   A   CA Investment Refinance - Cash-out - Other   D A C A A A D A     No
XXXXXX 4000057959 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-01-06): Accepted as is.
     01/06/2026 2   A   A   A       B   CA Investment Refinance - Cash-out - Other   D A C A A A D A     No
XXXXXX 4000069548 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2025-03-21): Accepted as is based on meeting three XXXXrequirements
       1 D N/A A A N/A N/A     D N/A   NY Primary Refinance - Cash-out - Other   D A A A A A D A     No
XXXXXX 4000067804 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2025-03-28): Accepted as is based on meeting three XXXXrequirements
       1 D N/A A A N/A N/A     D     LA Primary Refinance - Cash-out - Other   D A A A A A D A     No
XXXXXX 4000067804 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-01-06): Accepted as is.
     01/06/2026 2   A   A   A       B   LA Primary Refinance - Cash-out - Other   D A A A A A D A     No
XXXXXX 4000071156 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2025-04-02): Accepted as is based on meeting three XXXXrequirements.
       1   N/A   A   N/A           CA Investment Refinance - Cash-out - Other   A A A A A A A A     No
XXXXXX 4000071156 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2025-07-29): Accepted as is.
     07/29/2025 2   A   A   A       B   CA Investment Refinance - Cash-out - Other   A A A A A A A A     No
XXXXXX 4000069998 XXXXXX   XXXXXX     Compliance Compliance Federal Compliance RESPA RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.         Reviewer Comment (2025-04-10): Client elects to waive
     04/10/2025 2 B B B B B B B B B B   NY Primary Refinance - Cash-out - Other   B B A A B B A A     No
XXXXXX 4000069252 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___ One valuation was provided, with no CU or LCA       Reviewer Comment (2025-04-11): Accepted as is based on meeting three RAs requirements
       1 D N/A A A N/A N/A     D     CA Primary Refinance - Cash-out - Other   D A A A A A D A     No
XXXXXX 4000069252 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-01-06): Accepted as is.
     01/06/2026 2   A   A   A       B   CA Primary Refinance - Cash-out - Other   D A A A A A D A     No
XXXXXX 4000071183 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___ Secondary Valuation is not required per Guidelines.       Reviewer Comment (2025-04-11): Accepted as is based on meeting two RAs requirements
       1 D N/A A A N/A N/A     D N/A   NC Primary Refinance - Cash-out - Other   D A D A A A D A     No
XXXXXX 4000071183 XXXXXX   XXXXXX     Credit Loan Package Documentation Application / Processing Loan Package Documentation Missing Document: Note - Senior Lien not provided   Note Senior lien document is missing.       Reviewer Comment (2025-05-15): Received, cleared


Reviewer Comment (2025-05-14): Note for senior lien/mortgage statement required.


Seller Comment (2025-05-14): Comment from XXXX (XXXX): LOX - 3rd paragraph


Reviewer Comment (2025-04-22): Senior lien note not received.


Seller Comment (2025-04-22): Comment from XXXX (XXXX): Notes
 05/15/2025     1 D A D A D A D A D A   NC Primary Refinance - Cash-out - Other   D A D A A A D A     No
XXXXXX 4000071183 XXXXXX   XXXXXX     Credit Loan Package Documentation Closing / Title Missing Document  Missing Document: Security Instrument - Subject Lien not provided   Security instrument is missing.       Reviewer Comment (2025-04-22): Received, Clearing.


Seller Comment (2025-04-22): Comment from XXXX(XXXX): DOT
 04/22/2025     1 D A D A D A D A D A   NC Primary Refinance - Cash-out - Other   D A D A A A D A     No
XXXXXX 4000071183 XXXXXX   XXXXXX     Credit Legal / Regulatory / Compliance Title / Lien Defect Legal / Regulatory / Compliance Final Title Policy is missing. No evidence of title in file.   Title Evidence is Missing.       Reviewer Comment (2025-04-22): Received, Clearing.


Seller Comment (2025-04-22): Comment from XXXX (XXXX): Title
 04/22/2025     1 C A C A C A C A C A   NC Primary Refinance - Cash-out - Other   D A D A A A D A     No
XXXXXX 4000071183 XXXXXX   XXXXXX     Credit Income / Employment Income Documentation Income / Employment Income Docs Missing: - Third party verification of schedule C is missing       Reviewer Comment (2025-05-15): Received 1099 for XXXX


Reviewer Comment (2025-05-15): EXCEPTION HISTORY - Exception Explanation was updated on XXXX PRIOR Exception Explanation: 1040 - Schedule C (XXXX), 1040 - Schedule C (XXXX)


Reviewer Comment (2025-05-14): Exception remains provide 1099 XXXX


Seller Comment (2025-05-14): Comment from XXXX (XXXX): LOX with Tax Returns


Reviewer Comment (2025-05-08): Received 1040-Schedule C for the year XXXX and XXXX. Please provide 1099 for the year XXXX. Exception remains.


Seller Comment (2025-05-08): Comment from XXXX (XXXX): Schedule C is on Page XXXX for XXXX
Schedule C is on Page 27 for XXXX


Reviewer Comment (2025-04-22): Schedule C for XXXX and XXXX have not been received. Exception stays.


Seller Comment (2025-04-22): Comment from XXXX (XXXX): • XXXX Tax Returns
• VVOE's for all sources of income
 05/15/2025     1 C A C A C A C A C A   NC Primary Refinance - Cash-out - Other   D A D A A A D A     No
XXXXXX 4000071183 XXXXXX   XXXXXX     Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Guideline Requirement: Investor qualifying total debt ratio discrepancy.   Investor qualifying total debt ratio discrepancy.       Reviewer Comment (2025-05-15): Per Freddie Mac, If the Borrower's federal individual and/or business income tax returns for the most recent calendar year, or fiscal year as applicable, are not available (e.g., Borrower and/or Borrower's business filed an IRS extension, tax returns are not yet filed with the IRS), examples of factors and documentation to consider when using older tax returns to determine continued income stability include, but are not limited to, the following: Review of 1099s from the most recent calendar year, if available. The XXXX returns were not available, therefore 1099 and XXXX schedule C average taken for schedule C qualification. DTI meets guidelines.


Reviewer Comment (2025-05-15): EXCEPTION HISTORY - Exception Explanation was updated on XXXX PRIOR Exception Explanation: Calculated investor qualifying total debt ratio of XXXX exceeds Guideline total debt ratio of XXXX
 05/15/2025     1 C A C A C A C A C A   NC Primary Refinance - Cash-out - Other   D A D A A A D A     No
XXXXXX 4000071183 XXXXXX   XXXXXX     Credit Income / Employment Income Documentation Income / Employment Verification(s) of employment is not within 10 business days of the Note. - Verification(s) of employment is not within XXXX business days of the Note.       Reviewer Comment (2025-04-22): Received VVOE within XXXX  business days of the Note hence exception Cleared.


Seller Comment (2025-04-22): Comment from XXXX (XXXX): voe
 04/22/2025     1 C A C A C A C A C A   NC Primary Refinance - Cash-out - Other   D A D A A A D A     No
XXXXXX 4000071183 XXXXXX   XXXXXX     Credit Income / Employment Income Documentation Income / Employment Income documentation requirements not met.   Income documentation requirements not met due to the missing 1040 and the vvoe.       Reviewer Comment (2025-05-15): Per Freddie Mac, If the Borrower's federal individual and/or business income tax returns for the most recent calendar year, or fiscal year as applicable, are not available (e.g., Borrower and/or Borrower's business filed an IRS extension, tax returns are not yet filed with the IRS), examples of factors and documentation to consider when using older tax returns to determine continued income stability include, but are not limited to, the following: Review of 1099s from the most recent calendar year, if available. The XXXX returns were not available, therefore XXXX 1099 and XXXX schedule C average taken for schedule C qualification. DTI meets guidelines.


Reviewer Comment (2025-05-15): Thank you for providing the information. It appears the 1099 for XXXX is ran through the borrower's schedule C business in XXXX, and we don't see the history of it in the XXXX or XXXX schedule C.
Can you please advise on how the 1099 was incorporated in the borrower's monthly income calculation? Based on the XXXX schedule C, the monthly average income isXXXXhowever,  XXXX monthly was used at origination.  It does not appear XXXX or Freddie Mac allow the 1099 to be used in the qualifying income for a self-employed borrower.


Buyer Comment (2025-05-15): Comment from XXXX(XXXX): Cleared - 1040s and VVOE received


Reviewer Comment (2025-05-15): Reopened


Reviewer Comment (2025-05-15): 1040s and VVOE received


Reviewer Comment (2025-05-14): Provide 1099 XXXX, exception remains


Seller Comment (2025-05-14): Comment from XXXX (XXXX): LOX with Tax Returns.


Reviewer Comment (2025-05-08): Received 1040-Schedule C for the year XXXX and XXXX. Please provide 1099 for the year XXXX. Exception remains.


Seller Comment (2025-05-08): Comment from XXXX (XXXX): VOE with bank statement and Tax Returns with UW LOX


Reviewer Comment (2025-04-24): 1040 received and reviewed- Total income verified from schedule C isXXXX monthly.  DTI now at XXXX, which exceeds guidelines of XXXX


Seller Comment (2025-04-24): Comment fromXXXX (XXXX): VVOE & 1040s
 05/15/2025     1 C A C A C A C A C A   NC Primary Refinance - Cash-out - Other   D A D A A A D A     No
XXXXXX 4000071183 XXXXXX   XXXXXX     Credit Credit Miscellaneous Guideline Credit Exception:   Ineligible due to housing history.  Minimum Derogatory housing event seasoning period of XXXX years.  HUD Partial Claim dated XXXX.       Reviewer Comment (2025-05-07): Account was never derogatory per credit report


Seller Comment (2025-05-07): Comment from XXXX (XXXX): seasoning
 05/07/2025     1 C A C A C A C A C A   NC Primary Refinance - Cash-out - Other   D A D A A A D A     No
XXXXXX 4000072889 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___ Loan is to be Securitized. One Valuation was provided, with no CU or LCA.       Reviewer Comment (2025-04-16): Accepted as is based on meeting three RAs requirements
       1 D N/A A A N/A N/A     D N/A   CA Investment Refinance - Cash-out - Other   D A A A A A D A     No
XXXXXX 4000071432 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___ XXXX AVM in file. CU or LCA not provided.       Reviewer Comment (2025-04-24): Accepted as is based on meeting three RAs requirements
       1 D N/A A A N/A N/A     D     CA Primary Refinance - Cash-out - Other   D A A A A A D A     No
XXXXXX 4000071432 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-01-06): Accepted as is.
     01/06/2026 2   A   A   A       B   CA Primary Refinance - Cash-out - Other   D A A A A A D A     No
XXXXXX 4000070298 XXXXXX   XXXXXX     Compliance Compliance Federal Compliance TILA Truth in Lending Act (HELOC): Fee amounts for testing were sourced from one or more fee documents in file containing higher amounts than that reflected on HELOC Agreement. Truth in Lending Act (HELOC): Fee amounts were sourced from multiple disclosures containing higher amounts than that reflected on HELOC Agreement. Fee amounts were sourced from multiple disclosures containing higher amounts than that reflected on HELOC Agreement.       Reviewer Comment (2025-04-28): Accepted as is.
     04/28/2025 2 A A A A A A A A A A   CA Primary Refinance - Cash-out - Other   D A A A A A D A     No
XXXXXX 4000070298 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___ Loan is to be Securitized. One Valuation was provided, with no CU or LCA.       Reviewer Comment (2025-04-28): Accepted as is based on meeting three RAs requirements
       1 D N/A A A N/A N/A     D     CA Primary Refinance - Cash-out - Other   D A A A A A D A     No
XXXXXX 4000070298 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-01-06): Accepted as is.
     01/06/2026 2   A   A   A       B   CA Primary Refinance - Cash-out - Other   D A A A A A D A     No
XXXXXX 4000072048 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 180 Note Date:  ___; Lien Position: ___ Valuation is supported by an AVM with XXXX FSD Score.       Reviewer Comment (2025-04-30): Accepted as is based on meeting three RAs requirements.
       3 D N/A A A N/A N/A     D D   OH Investment Refinance - Cash-out - Other   D D A A B B D D     No
XXXXXX 4000072048 XXXXXX   XXXXXX     Compliance Compliance Federal Compliance ECOA ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation.         Reviewer Comment (2025-04-30): Accepted as is.
     04/30/2025 2 B B B B B B B B B B   OH Investment Refinance - Cash-out - Other   D D A A B B D D     No
XXXXXX 4000072048 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 372 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-01-06): Accepted as is.
     01/06/2026 2   B   A   A       A   OH Investment Refinance - Cash-out - Other   D D A A B B D D     No
XXXXXX 4000074928 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___ One valuation was provided, with no CU or LCA       Reviewer Comment (2025-05-19): Accepted as is based on meeting two RAs requirements
       1 D N/A A A N/A N/A     D     FL Primary Refinance - Cash-out - Other   D A A A A A D A     No
XXXXXX 4000074928 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-01-06): Accepted as is.
     01/06/2026 2   A   A   A       B   FL Primary Refinance - Cash-out - Other   D A A A A A D A     No
XXXXXX 4000075269 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___ One valuation was provided, with no CU or LCA       Reviewer Comment (2025-05-27): Accepted as is based on meeting two RAs requirements
       1 D N/A A A N/A N/A     D     CA Primary Refinance - Cash-out - Other   D A A A A A D A     No
XXXXXX 4000075269 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-01-06): Accepted as is.
     01/06/2026 2   A   A   A       B   CA Primary Refinance - Cash-out - Other   D A A A A A D A     No
XXXXXX 4000079036 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___ Secondary Valuation is not required per Guidelines.       Reviewer Comment (2026-01-05): Accepted as is based on meeting more than three RAs requirements


Reviewer Comment (2026-01-05): Reopened


Reviewer Comment (2025-09-03): Cancel


Reviewer Comment (2025-09-03): .


Reviewer Comment (2025-06-02): Accepted as is based on meeting three RAs requirements
       1 D N/A A A N/A N/A     D     NC Investment Refinance - Cash-out - Other   D A C A A A D A     No
XXXXXX 4000079036 XXXXXX   XXXXXX     Credit Loan Package Documentation Application / Processing Loan Package Documentation FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster.   The PCI received is dated prior to the disaster.       Reviewer Comment (2025-06-20): Received PDI reflecting no damage


Reviewer Comment (2025-06-18): PCI in file reflects minor damage. Updated PDI ordered on behalf of the client.


Seller Comment (2025-06-18): Comment from XXXX (XXXX): Please see attached dated XXXX
 06/20/2025     1 C A C A C A C A C A   NC Investment Refinance - Cash-out - Other   D A C A A A D A     No
XXXXXX 4000079036 XXXXXX   XXXXXX     Property Valuation General Valuation Valuation Product pending   XXXX / Post Disaster Inspection + XXXX - 5 Days       Reviewer Comment (2025-06-20): Received PDI reflecting no damage


Reviewer Comment (2025-06-20): Valuation Received - XXXX
 06/20/2025     1   A   A   A   A   A   NC Investment Refinance - Cash-out - Other   D A C A A A D A     No
XXXXXX 4000079036 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2025-09-03): Accepted as is.
     09/03/2025 2   A   A   A       B   NC Investment Refinance - Cash-out - Other   D A C A A A D A     No
XXXXXX 4000079791 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___ Loan is to be securitized. AVM was provided, with no CU or LCA.       Reviewer Comment (2025-06-12): Accepted as is based on meeting three RAs requirements
       1 D N/A A A N/A N/A     D     CA Primary Refinance - Cash-out - Other   D A C A A A D A     No
XXXXXX 4000079791 XXXXXX   XXXXXX     Credit Insurance Insurance Analysis Insurance Insufficient Coverage: Hazard insurance coverage amount is insufficient.   Hazard Insurance Coverage Amount is insufficient.       Reviewer Comment (2025-07-10): Received Replacement Cost Estimator. Exception cleared.


Seller Comment (2025-07-10): Comment from XXXX (XXXX): XXXX: RCE attached
 07/10/2025     1 C A C A C A C A C A   CA Primary Refinance - Cash-out - Other   D A C A A A D A     No
XXXXXX 4000079791 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2025-07-17): Accepted as is.
     07/17/2025 2   A   A   A       B   CA Primary Refinance - Cash-out - Other   D A C A A A D A     No
XXXXXX 4000078459 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___ Secondary valuation is not required for second lien files as per HELOC program.       Reviewer Comment (2025-06-12): Accepted as is based on meeting two RAs requirements
       1 D N/A A A N/A N/A     D     IN Primary Refinance - Cash-out - Other   D A A A A A D A     No
XXXXXX 4000078459 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-01-05): Accepted as is.
     01/05/2026 2   A   A   A       B   IN Primary Refinance - Cash-out - Other   D A A A A A D A     No
XXXXXX 4000079273 XXXXXX   XXXXXX     Credit Loan Package Documentation Application / Processing Loan Package Documentation Missing Document: Missing Final 1003   The file was missing a copy of Final 1003.       Reviewer Comment (2025-07-03): Received, Clearing.


Seller Comment (2025-07-03): Comment from XXXX (XXXX.): 1003
 07/03/2025     1 C A C A C A C A C A   GA Investment Refinance - Cash-out - Other   D A C A A A D A     No
XXXXXX 4000079273 XXXXXX   XXXXXX     Credit Loan Package Documentation Closing / Title Loan Package Documentation Missing Document: Rider - 1-4 Family not provided   The file was missing a copy of Rider 1-4 Family.       Reviewer Comment (2025-06-27): Received, Clearing.


Seller Comment (2025-06-27): Comment from XXXX(XXXX): 1-4 Rider
 06/27/2025     1 C A C A C A C A C A   GA Investment Refinance - Cash-out - Other   D A C A A A D A     No
XXXXXX 4000079273 XXXXXX   XXXXXX     Credit Loan Package Documentation Closing / Title Loan Package Documentation Missing Document: Rider - PUD not provided   The file was missing a copy of Rider PUD.       Reviewer Comment (2025-06-27): Received, Clearing.


Seller Comment (2025-06-27): Comment from XXXX (XXXX): PUD Rider
 06/27/2025     1 C A C A C A C A C A   GA Investment Refinance - Cash-out - Other   D A C A A A D A     No
XXXXXX 4000079273 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___ Loan is to be securitized. AVM was provided, with no CU or LCA.       Reviewer Comment (2025-06-26): Accepted as is based on meeting three RAs requirements
       1 D N/A A A N/A N/A     D     GA Investment Refinance - Cash-out - Other   D A C A A A D A     No
XXXXXX 4000079273 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2025-07-03): Accepted as is.
     07/03/2025 2   A   A   A       B   GA Investment Refinance - Cash-out - Other   D A C A A A D A     No
XXXXXX 4000078598 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2025-06-23): Accepted as is based on meeting three RAs requirements
       1 D N/A A A N/A N/A     D     IL Investment Refinance - Cash-out - Other   D A A A A A D A     No
XXXXXX 4000078598 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-01-05): Accepted as is.
     01/05/2026 2   A   A   A       B   IL Investment Refinance - Cash-out - Other   D A A A A A D A     No
XXXXXX 4000077216 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___ Loan is to be securitized. AVM was provided, with no CU or LCA.       Reviewer Comment (2025-06-24): Accepted as is based on meeting three RAs requirements
       1 D N/A A A N/A N/A     D     NC Primary Refinance - Cash-out - Other   D A C A A A D A     No
XXXXXX 4000077216 XXXXXX   XXXXXX     Credit Insurance Insurance Analysis Insurance Insufficient Coverage: Hazard insurance coverage amount is insufficient.   Hazard Insurance Coverage Amount is insufficient.       Reviewer Comment (2025-07-01): Received, Clearing.


Buyer Comment (2025-07-01): Comment from XXXX (XXXX): As per the the doc previously uploaded, the policy also has XXXX% additional dwelling


Reviewer Comment (2025-06-30): Coverage must meet RCE of $XXXX which is doesn't or cover XXXXst and second lien which is doesn't $XXXX


Seller Comment (2025-06-30): Comment from XXXX(XXXX): Please clarify why coverage is insufficient
 07/01/2025     1 C A C A C A C A C A   NC Primary Refinance - Cash-out - Other   D A C A A A D A     No
XXXXXX 4000077216 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2025-07-01): Accepted as is.
     07/01/2025 2   A   A   A       B   NC Primary Refinance - Cash-out - Other   D A C A A A D A     No
XXXXXX 4000076608 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___ Loan is to be securitized. AVM was provided, with no CU or LCA.       Reviewer Comment (2025-06-25): Accepted as is based on meeting three RAs requirements.
       1 D N/A A A N/A N/A     D     DC Investment Refinance - Cash-out - Other   D A A A A A D A     No
XXXXXX 4000076608 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-01-05): Accepted as is.
     01/05/2026 2   A   A   A       B   DC Investment Refinance - Cash-out - Other   D A A A A A D A     No
XXXXXX 4000081056 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___ XXXX AVM in file. CU or LCA not provided.       Reviewer Comment (2025-06-30): Accepted as is based on meeting two RAs requirements
       1 N/A N/A A A N/A N/A     D     NC Primary Refinance - Cash-out - Other   D A A A A A D A     No
XXXXXX 4000081056 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___ XXXX AVM in file is dated XXXX . The Application Date XXXX  and the Note date isXXXX       Reviewer Comment (2025-06-30): Accepted as is.
     06/30/2025 2 A A A A A A     B B   NC Primary Refinance - Cash-out - Other   D A A A A A D A     No
XXXXXX 4000080590 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2025-06-30): Accepted as is based on meeting three RAs requirements.
       1 N/A N/A A A N/A N/A     D     AZ Primary Refinance - Cash-out - Other   D A C A A A D A     No
XXXXXX 4000080590 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2025-06-30): Accepted as is.
     06/30/2025 2 A A A A A A     B B   AZ Primary Refinance - Cash-out - Other   D A C A A A D A     No
XXXXXX 4000080590 XXXXXX   XXXXXX     Credit Income / Employment Income Documentation Missing Document  REO Documents are missing. - Insurance Verification is missing.       Reviewer Comment (2025-07-01): Received Insurance Verification. Exception cleared.


Seller Comment (2025-07-01): Comment fromXXXX (XXXX): XXXX: please see attached
 07/01/2025     1 C A C A C A C A C A   AZ Primary Refinance - Cash-out - Other   D A C A A A D A     No
XXXXXX 4000079001 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___ Loan is to be Securitized. One Valuation was provided, with no CU or LCA.       Reviewer Comment (2025-07-01): Accepted as is based on meeting three RAs requirements.
       1 N/A N/A A A N/A N/A     D     NV Investment Refinance - Cash-out - Other   D A A A A A D A     No
XXXXXX 4000079001 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___ Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date       Reviewer Comment (2025-07-01): Accepted as is.
     07/01/2025 2 A A A A A A     B B   NV Investment Refinance - Cash-out - Other   D A A A A A D A     No
XXXXXX 4000081040 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___ XXXX in file is dated XXXX. The Application date is XXXX. and the Note date is XXXX.       Reviewer Comment (2025-07-01): Accepted as is.
     07/01/2025 2 A A A A A A     B B   CA Investment Refinance - Cash-out - Other   D A A A A A D A     No
XXXXXX 4000081040 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___ XXXX in file is dated XXXX. CU or LCA not provided.       Reviewer Comment (2025-07-01): Accepted as is based on meeting three RAs requirements
       1 N/A N/A A A N/A N/A     D     CA Investment Refinance - Cash-out - Other   D A A A A A D A     No
XXXXXX 4000080802 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___ Secondary valuation not required in Heloc Second lien file .       Reviewer Comment (2025-07-03): Accepted as is.
     07/03/2025 2 A A A A A A     B B   MD Investment Refinance - Cash-out - Other   D A A A A A D A   Exempt from ATR No
XXXXXX 4000080802 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___ Secondary valuation not required in Heloc Second lien file .       Reviewer Comment (2025-07-03): Accepted as is based on meeting three RAs requirements
       1 N/A N/A A A N/A N/A     D     MD Investment Refinance - Cash-out - Other   D A A A A A D A   Exempt from ATR No
XXXXXX 4000080277 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-01-15): Clearing.


Reviewer Comment (2026-01-15): .


Reviewer Comment (2025-07-03): Accepted as is.
 01/15/2026     1 A A A A A A   A B A   CA Primary Refinance - Cash-out - Other   B A A A A A B A   Exempt from ATR No
XXXXXX 4000080933 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___ Secondary valuation not required in Heloc Second lien file .       Reviewer Comment (2025-07-10): Accepted as is.
     07/10/2025 2 A A A A A A     B B   CA Primary Refinance - Cash-out - Other   D A A A A A D A   Exempt from ATR No
XXXXXX 4000080933 XXXXXX   XXXXXX     Property Appraisal Reconciliation Appraisal Documentation Appraisal Reconciliation Appraisal from prior transaction provided. No secondary valuation with effective date less than 3 months past note date provided. Sec ID: 156 Note Date:  ___; Lien Position: ___         Reviewer Comment (2025-07-10): Accepted as is based on meeting three RAs requirements.
       1 N/A N/A A A N/A N/A     D     CA Primary Refinance - Cash-out - Other   D A A A A A D A   Exempt from ATR No
XXXXXX 4000081628 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___ XXXX AVM by XXXX in file. XXXXor XXXXnot provided.       Reviewer Comment (2025-07-11): Accepted as is.
     07/11/2025 2 A A A A A A     B B   SC Primary Refinance - Cash-out - Other   D A A A A A D A   Exempt from ATR No
XXXXXX 4000081628 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___ XXXX AVM by XXXX in file. XXXXor XXXXnot provided.       Reviewer Comment (2025-07-11): Accepted as is based on meeting two RAs requirements
       1 N/A N/A A A N/A N/A     D     SC Primary Refinance - Cash-out - Other   D A A A A A D A   Exempt from ATR No
XXXXXX 4000080391 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided. The provided CU and/or LCA do not provide relief. Sec ID: 138   XXXXValuation in file. XXXX or XXXX not provided.       Reviewer Comment (2025-07-29): Received, Clearing.


Seller Comment (2025-07-28): Comment from XXXX (XXXX): Rebuttal


Reviewer Comment (2025-07-22): Since there is a failing CU score a secondary valuation is needed.


Buyer Comment (2025-07-21): Comment from XXXX (XXXX): Can you get something more specific on what is being asked for…I'm not sure, below talks about three different things.  Thank you.
 07/29/2025     1 D A A A D A   A D A   CA Investment Refinance - Cash-out - Other   D A A A A A D A   Exempt from ATR No
XXXXXX 4000082571 XXXXXX   XXXXXX     Credit Loan Package Documentation Application / Processing Loan Package Documentation FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected.           Reviewer Comment (2025-07-17): Received, Clearing.
 07/17/2025     1 C A C A C A C A C A   FL Primary Refinance - Cash-out - Other   D A C A A A D A   Exempt from ATR No
XXXXXX 4000082571 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___ Secondary valuation not required in Heloc Second lien file .       Reviewer Comment (2025-07-15): Accepted as is based on meeting two RAs requirements
       1 N/A N/A A A N/A N/A     D     FL Primary Refinance - Cash-out - Other   D A C A A A D A   Exempt from ATR No
XXXXXX 4000082571 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___ Secondary valuation not required in Heloc Second lien file .       Reviewer Comment (2025-07-15): Accepted as is.
     07/15/2025 2 A A A A A A     B B   FL Primary Refinance - Cash-out - Other   D A C A A A D A   Exempt from ATR No
XXXXXX 4000082571 XXXXXX   XXXXXX     Property Valuation General Valuation Valuation Product pending   XXXX / Post Disaster Inspection + XXXX - XXXXDays       Reviewer Comment (2025-07-17): Received, Clearing.


Reviewer Comment (2025-07-17): Valuation Received - XXXX
 07/17/2025     1   A   A   A   A   A   FL Primary Refinance - Cash-out - Other   D A C A A A D A   Exempt from ATR No
XXXXXX 4000081715 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___ Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date.       Reviewer Comment (2025-07-15): Accepted as is.
     07/15/2025 2 A A A A A A     B B   NY Second Home Refinance - Cash-out - Other   D A A A A A D A   Exempt from ATR No
XXXXXX 4000081715 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2025-07-15): Accepted as is based on meeting three RAs requirements.
       1 N/A N/A A A N/A N/A     D     NY Second Home Refinance - Cash-out - Other   D A A A A A D A   Exempt from ATR No
XXXXXX 4000081715 XXXXXX   XXXXXX     Credit Credit Miscellaneous Credit Loan Selected for Enhanced Valuation Review           Reviewer Comment (2025-07-17): Clearing based on review coming back within tolerances.
 07/17/2025     1   A   A   A   A   A   NY Second Home Refinance - Cash-out - Other   D A A A A A D A   Exempt from ATR No
XXXXXX 4000082668 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___ Loan is to be securitized. One valuation was provided, with no XXXXor XXXX.       Reviewer Comment (2025-07-16): Accepted as is based on meeting three RAs requirements
       1 N/A N/A A A N/A N/A     D     AZ Primary Refinance - Cash-out - Other   D A A A A A D A   Exempt from ATR No
XXXXXX 4000082668 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___ Loan is to be securitized. One valuation was provided with an effective date between application date and note date.       Reviewer Comment (2025-07-16): Accepted as is.
     07/16/2025 2 A A A A A A     B B   AZ Primary Refinance - Cash-out - Other   D A A A A A D A   Exempt from ATR No
XXXXXX 4000082338 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___ Loan is to be securitized. AVM was provided, with no XXXX or XXXX.       Reviewer Comment (2025-07-17): Accepted as is based on meeting two RAs requirements
       1 N/A N/A A A N/A N/A     D     CA Investment Refinance - Cash-out - Other   D A A A A A D A   Exempt from ATR No
XXXXXX 4000082338 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___ Loan is to be securitized. AVM was provided, with an effective date between application date and note date.       Reviewer Comment (2025-07-17): Accepted as is.
     07/17/2025 2 A A A A A A     B B   CA Investment Refinance - Cash-out - Other   D A A A A A D A   Exempt from ATR No
XXXXXX 4000082869 XXXXXX   XXXXXX     Credit Hazard Insurance Insufficient Coverage Hazard Insurance The Hazard Insurance Policy Effective Date is after closing.   The Hazard Insurance Policy Effective Date is XXXX The Note date is XXXX Wet state.       Reviewer Comment (2025-07-22): Previous policy provided through XXXX


Seller Comment (2025-07-22): Comment from XXXX (XXXX): Refi file. Policy expired XXXX and policy in file is renewal
 07/22/2025     1 C A C A C A C A C A   NJ Investment Refinance - Cash-out - Other   D A C A A A D A   Exempt from ATR No
XXXXXX 4000082869 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___ XXXX Valuation in file. XXXX or XXXX not provided.       Reviewer Comment (2025-07-21): Accepted as is based on meeting three RAs requirements.
       1 N/A N/A A A N/A N/A     D N/A   NJ Investment Refinance - Cash-out - Other   D A C A A A D A   Exempt from ATR No
XXXXXX 4000078440 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___ Secondary valuation is not required for second lien files as per HELOC program.       Reviewer Comment (2025-07-21): Accepted as is based on meeting two RAs requirements
       1 N/A N/A A A N/A N/A     D     MI Primary Refinance - Cash-out - Other   D A A A A A D A   Exempt from ATR No
XXXXXX 4000078440 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___ Secondary valuation is not required for second lien files as per HELOC program.       Reviewer Comment (2025-07-21): Accepted as is.
     07/21/2025 2 A A A A A A     B B   MI Primary Refinance - Cash-out - Other   D A A A A A D A   Exempt from ATR No
XXXXXX 4000082622 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___ One valuation was provided, with no CU or LCA.       Reviewer Comment (2025-07-28): Accepted as is based on meetingXXXX requirements
       1 N/A N/A A A N/A N/A     D N/A   CA Primary Refinance - Cash-out - Other   D A A A A A D A   Exempt from ATR No
XXXXXX 4000083062 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___ Secondary valuation is not required for HELOC file.       Reviewer Comment (2025-07-31): Accepted as is.
     07/31/2025 2 A A A A A A     B B   NJ Primary Refinance - Cash-out - Other   D A A A A A D A   Exempt from ATR No
XXXXXX 4000083062 XXXXXX   XXXXXX     Property Appraisal Reconciliation Appraisal Documentation Appraisal Reconciliation Loan is to be securitized. Appraisal was provided from prior transaction. Lender/Client differs from note. Appraisal is not acceptable. Sec ID: 176           Reviewer Comment (2025-07-31): Clearing.
 07/31/2025     1 D A A A D A   A D A   NJ Primary Refinance - Cash-out - Other   D A A A A A D A   Exempt from ATR No
XXXXXX 4000083062 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2025-07-31): Accepted as is based on meetingXXXX requirements.
       1   N/A   A   N/A           NJ Primary Refinance - Cash-out - Other   D A A A A A D A   Exempt from ATR No
XXXXXX 6000095558 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2025-08-15): Accepted as is based on meeting XXXX requirements.
       1 N/A N/A A A N/A N/A     D     TX Primary Refinance - Cash-out - Other   D B A A B B D A   Exempt from ATR No
XXXXXX 6000095558 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2025-08-15): Accepted as is.
     08/15/2025 2 A A A A A A     B B   TX Primary Refinance - Cash-out - Other   D B A A B B D A   Exempt from ATR No
XXXXXX 6000095558 XXXXXX   XXXXXX     Compliance Compliance Federal Compliance Missing Non-Required Data (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided.  Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.         Reviewer Comment (2025-08-15): Accepted as is.
     08/15/2025 2 B B B B B B B B B B   TX Primary Refinance - Cash-out - Other   D B A A B B D A   Exempt from ATR No
XXXXXX 6000095558 XXXXXX   XXXXXX     Compliance Compliance State Compliance State Defect (TX50(t)(5)) (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal). No appraisal or valuation value used to determine LTV.  Unable to determine compliance with TX50(t)(5) CLTV limitation due to missing appraisal or other evaluation to verify property value/LTV         Reviewer Comment (2025-08-15): Accepted as is.
     08/15/2025 2 B B B B B B B B B B   TX Primary Refinance - Cash-out - Other Send the borrower a written acknowledgement that the lien is valid only in the amount that the extension of credit does not exceed the CLTV of 80%. D B A A B B D A   Exempt from ATR Yes
XXXXXX 6000095577 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 372 Note Date:  ___; Lien Position: ___         Reviewer Comment (2025-08-18): Accepted as is.
     08/18/2025 2 B B A A A A     A A   GA Primary Refinance - Cash-out - Home Improvement   D D C A B B D D   Exempt from ATR No
XXXXXX 6000095577 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 180 Note Date:  ___; Lien Position: ___         Reviewer Comment (2025-08-18): Accepted as is based on meeting XXXX requirements.
       3 N/A N/A A A N/A N/A     D D   GA Primary Refinance - Cash-out - Home Improvement   D D C A B B D D   Exempt from ATR No
XXXXXX 6000095577 XXXXXX   XXXXXX     Compliance Compliance Federal Compliance Missing Non-Required Data (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided.  Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.         Reviewer Comment (2025-08-18): Accepted as is.
     08/18/2025 2 B B B B B B B B B B   GA Primary Refinance - Cash-out - Home Improvement   D D C A B B D D   Exempt from ATR No
XXXXXX 6000095577 XXXXXX   XXXXXX     Credit Income / Employment Income Documentation Missing Document  REO Documents are missing. - Missing insurance/tax verification for this property.       Reviewer Comment (2025-08-26): Received, Clearing.


Seller Comment (2025-08-26): Property owned XXXX, no insurance required
 08/26/2025     1 C A C A C A C A C A   GA Primary Refinance - Cash-out - Home Improvement   D D C A B B D D   Exempt from ATR No
XXXXXX 6000095577 XXXXXX   XXXXXX     Credit Income / Employment Income Documentation Missing Document  REO Documents are missing. - Missing insurance/tax verification for this property.       Reviewer Comment (2025-08-26): Received, Clearing.


Seller Comment (2025-08-26): Property owned XXXX, no insurance required
 08/26/2025     1 C A C A C A C A C A   GA Primary Refinance - Cash-out - Home Improvement   D D C A B B D D   Exempt from ATR No
XXXXXX 6000095579 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2025-08-18): Accepted as is based on meeting XXXX requirements.
       1 N/A N/A A A N/A N/A     D     MA Primary Refinance - Cash-out - Other   D B A A B B D A   Exempt from ATR No
XXXXXX 6000095579 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2025-08-18): Accepted as is.
     08/18/2025 2 A A A A A A     B B   MA Primary Refinance - Cash-out - Other   D B A A B B D A   Exempt from ATR No
XXXXXX 6000095579 XXXXXX   XXXXXX     Compliance Compliance Federal Compliance Missing Non-Required Data (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided.  Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. Initial Rate Lock missing on file       Reviewer Comment (2025-08-18): Accepted as is.
     08/18/2025 2 B B B B B B B B B B   MA Primary Refinance - Cash-out - Other   D B A A B B D A   Exempt from ATR No
XXXXXX 6000095590 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 180 Note Date:  ___; Lien Position: ___         Reviewer Comment (2025-08-13): Accepted as is based on meeting three RAs requirements.
       3 N/A N/A A A N/A N/A     D D   VA Primary Refinance - Cash-out - Other   D D C C B B D D   Exempt from ATR No
XXXXXX 6000095590 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 372 Note Date:  ___; Lien Position: ___         Reviewer Comment (2025-08-13): Accepted as is.
     08/13/2025 2 B B A A A A     A A   VA Primary Refinance - Cash-out - Other   D D C C B B D D   Exempt from ATR No
XXXXXX 6000095590 XXXXXX   XXXXXX     Credit Title Document Error Title Title Evidence of Title Search was used on a first lien.           Reviewer Comment (2025-08-13): Title search allowed by guidelines.
     08/13/2025 1 A A A A A A C C A A   VA Primary Refinance - Cash-out - Other   D D C C B B D D   Exempt from ATR No
XXXXXX 6000095590 XXXXXX   XXXXXX     Compliance Compliance Federal Compliance Missing Non-Required Data (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided.  Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.         Reviewer Comment (2025-08-13): Accepted as is.
     08/13/2025 2 B B B B B B B B B B   VA Primary Refinance - Cash-out - Other   D D C C B B D D   Exempt from ATR No
XXXXXX 6000095598 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2025-08-15): Accepted as is.
     08/15/2025 2 A A A A A A     B B   VA Primary Refinance - Cash-out - Other   D B A A B B D A   Exempt from ATR No
XXXXXX 6000095598 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2025-08-15): Accepted as is based on meeting XXXX requirements.
       1 N/A N/A A A N/A N/A     D     VA Primary Refinance - Cash-out - Other   D B A A B B D A   Exempt from ATR No
XXXXXX 6000095598 XXXXXX   XXXXXX     Compliance Compliance Federal Compliance Missing Non-Required Data (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided.  Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.         Reviewer Comment (2025-08-15): Accepted as is.
     08/15/2025 2 B B B B B B B B B B   VA Primary Refinance - Cash-out - Other   D B A A B B D A   Exempt from ATR No
XXXXXX 6000095616 XXXXXX   XXXXXX     Credit Loan Package Documentation Application / Processing Loan Package Documentation FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected.   Property inspection report is missing from the file.       Reviewer Comment (2025-08-25): Received, Clearing.


Seller Comment (2025-08-25): See attached PCR-no damage
 08/25/2025     1 C A C A C A C A C A   TX Primary Refinance - Cash-out - Other   D B C A C B D A   Exempt from ATR No
XXXXXX 6000095616 XXXXXX   XXXXXX     Compliance Compliance Federal Compliance Missing Non-Required Data (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided.  Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.         Reviewer Comment (2025-08-14): Accepted as is.
     08/14/2025 2 B B B B B B B B B B   TX Primary Refinance - Cash-out - Other   D B C A C B D A   Exempt from ATR No
XXXXXX 6000095616 XXXXXX   XXXXXX     Compliance Compliance State Compliance State Defect (TX50(t)(5)) (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal). No appraisal or valuation value used to determine LTV.  Unable to determine compliance with TX50(t)(5) CLTV limitation due to missing appraisal or other evaluation to verify property value/LTV         Reviewer Comment (2025-08-14): Accepted as is.
     08/14/2025 2 B B B B B B B B B B   TX Primary Refinance - Cash-out - Other Send the borrower a written acknowledgement that the lien is valid only in the amount that the extension of credit does not exceed the CLTV of 80%. D B C A C B D A   Exempt from ATR Yes
XXXXXX 6000095616 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2025-08-14): Accepted as is based on meeting three RAs requirements.
       1 N/A N/A A A N/A N/A     D     TX Primary Refinance - Cash-out - Other   D B C A C B D A   Exempt from ATR No
XXXXXX 6000095616 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2025-08-14): Accepted as is.
     08/14/2025 2 A A A A A A     B B   TX Primary Refinance - Cash-out - Other   D B C A C B D A   Exempt from ATR No
XXXXXX 6000095616 XXXXXX   XXXXXX     Compliance Compliance State Compliance State Defect (TX50(a)(6)) Texas Cash-out Loan  (Itemization of Points and Fees Not Provided) XXXX Constitution Section 50(a)(6): Final Itemized disclosure of fees, points, costs and charges not provided to borrower at least one (1) business day prior to closing.         Reviewer Comment (2025-08-25): Received, Clearing.


Seller Comment (2025-08-25): See attached for itemization
 08/25/2025     1 C A C A C A C A C A   TX Primary Refinance - Cash-out - Other Refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. D B C A C B D A   Exempt from ATR Yes
XXXXXX 6000095616 XXXXXX   XXXXXX     Credit Loan Package Documentation Application / Processing Loan Package Documentation FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster.           Reviewer Comment (2025-08-28): Received, Clearing.


Seller Comment (2025-08-28): DAIR Attached- no damage
 08/28/2025     1   A   A   A   A   A   TX Primary Refinance - Cash-out - Other   D B C A C B D A   Exempt from ATR No
XXXXXX 6000095633 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2025-08-11): Accepted as is based on meeting three RAs requirements.
       1 N/A N/A A A N/A N/A     D     TX Primary Refinance - Cash-out - Other   D B C A C B D A   Exempt from ATR No
XXXXXX 6000095633 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2025-08-11): Accepted as is.
     08/11/2025 2 A A A A A A     B B   TX Primary Refinance - Cash-out - Other   D B C A C B D A   Exempt from ATR No
XXXXXX 6000095633 XXXXXX   XXXXXX     Compliance Compliance Federal Compliance TILA Truth in Lending Act (HELOC): Fee amounts for testing were sourced from one or more fee documents in file containing higher amounts than that reflected on HELOC Agreement. Truth in Lending Act (HELOC): Fee amounts were sourced from multiple disclosures containing higher amounts than that reflected on HELOC Agreement.         Reviewer Comment (2025-08-11): Accepted as is.
     08/11/2025 2 A A A A A A A A A A   TX Primary Refinance - Cash-out - Other   D B C A C B D A   Exempt from ATR No
XXXXXX 6000095633 XXXXXX   XXXXXX     Compliance Compliance Federal Compliance Missing Non-Required Data (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided.  Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.         Reviewer Comment (2025-08-11): Accepted as is.
     08/11/2025 2 B B B B B B B B B B   TX Primary Refinance - Cash-out - Other   D B C A C B D A   Exempt from ATR No
XXXXXX 6000095633 XXXXXX   XXXXXX     Compliance Compliance State Compliance State Defect (TX50(a)(6)) Texas Cash-out Loan  (Itemization of Points and Fees Not Provided) XXXX Constitution Section 50(a)(6): Final Itemized disclosure of fees, points, costs and charges not provided to borrower at least one (1) business day prior to closing.         Reviewer Comment (2025-09-03): Received, Clearing.


Seller Comment (2025-09-02): upload
 09/03/2025     1 C A C A C A C A C A   TX Primary Refinance - Cash-out - Other Refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. D B C A C B D A   Exempt from ATR Yes
XXXXXX 6000095633 XXXXXX   XXXXXX     Compliance Compliance State Compliance State Defect (TX50(t)(5)) (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal). No appraisal or valuation value used to determine LTV.  Unable to determine compliance with TX50(t)(5) CLTV limitation due to missing appraisal or other evaluation to verify property value/LTV         Reviewer Comment (2025-08-11): Accepted as is.
     08/11/2025 2 B B B B B B B B B B   TX Primary Refinance - Cash-out - Other Send the borrower a written acknowledgement that the lien is valid only in the amount that the extension of credit does not exceed the CLTV of 80%. D B C A C B D A   Exempt from ATR Yes
XXXXXX 6000095633 XXXXXX   XXXXXX     Credit Loan Package Documentation Application / Processing Loan Package Documentation FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster.   The property is located in Fema disaster area. Provide a post-disaster inspection verifying there is no damage. The inspection must include exterior photos and the property must be re-inspected on or after XXXX declared end date.       Reviewer Comment (2025-08-25): Received, Clearing.


Seller Comment (2025-08-25): Disaster Inspection
 08/25/2025     1 C A C A C A C A C A   TX Primary Refinance - Cash-out - Other   D B C A C B D A   Exempt from ATR No
XXXXXX 6000095658 XXXXXX   XXXXXX     Credit Loan Package Documentation Application / Processing Loan Package Documentation FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster.           Reviewer Comment (2025-08-25): Received, Clearing.


Seller Comment (2025-08-25): Disaster Inspection
 08/25/2025     1 C A C A C A C A C A   TX Primary Refinance - Cash-out - Other   D B C A C B D A   Exempt from ATR No
XXXXXX 6000095658 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2025-08-07): Accepted as is.
     08/07/2025 2 A A A A A A     B B   TX Primary Refinance - Cash-out - Other   D B C A C B D A   Exempt from ATR No
XXXXXX 6000095658 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2025-08-07): Accepted as is based on meeting 3 RAs requirements.
       1 N/A N/A A A N/A N/A     D     TX Primary Refinance - Cash-out - Other   D B C A C B D A   Exempt from ATR No
XXXXXX 6000095658 XXXXXX   XXXXXX     Compliance Compliance Federal Compliance Missing Non-Required Data (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided.  Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.         Reviewer Comment (2025-08-07): Accepted as is.
     08/07/2025 2 B B B B B B B B B B   TX Primary Refinance - Cash-out - Other   D B C A C B D A   Exempt from ATR No
XXXXXX 6000095658 XXXXXX   XXXXXX     Compliance Compliance State Compliance State Defect (TX50(a)(6)) Texas Cash-out Loan  (Itemization of Points and Fees Not Provided At Least 1 Business Day Prior to Closing - With Waiver) Texas Constitution Section 50(a)(6): Final itemized disclosure of fees, points, costs and charges not provided to borrower at least one XXXX business day prior to closing with waiver.         Reviewer Comment (2025-09-03): Received, Clearing.


Seller Comment (2025-09-02): upload
 09/03/2025     1 C A C A C A C A C A   TX Primary Refinance - Cash-out - Other Refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. D B C A C B D A   Exempt from ATR Yes
XXXXXX 6000095658 XXXXXX   XXXXXX     Compliance Compliance State Compliance State Defect (TX50(t)(5)) (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal). No appraisal or valuation value used to determine LTV.  Unable to determine compliance with TX50(t)(5) CLTV limitation due to missing appraisal or other evaluation to verify property value/LTV         Reviewer Comment (2025-08-07): Accepted as is.
     08/07/2025 2 B B B B B B B B B B   TX Primary Refinance - Cash-out - Other Send the borrower a written acknowledgement that the lien is valid only in the amount that the extension of credit does not exceed the CLTV of 80%. D B C A C B D A   Exempt from ATR Yes
XXXXXX 6000095692 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2025-08-20): Accepted as is.
     08/20/2025 2 A A A A A A     B B   MI Primary Refinance - Cash-out - Other   D B A A B B D A   Exempt from ATR No
XXXXXX 6000095692 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2025-08-20): Accepted as is based on meeting three RA's requirements.
       1 N/A N/A A A N/A N/A     D     MI Primary Refinance - Cash-out - Other   D B A A B B D A   Exempt from ATR No
XXXXXX 6000095692 XXXXXX   XXXXXX     Compliance Compliance Federal Compliance Missing Non-Required Data (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided.  Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. Require rate lock agreement with initial rate lock date mention on it.       Reviewer Comment (2025-08-20): Accepted as is.
     08/20/2025 2 B B B B B B B B B B   MI Primary Refinance - Cash-out - Other   D B A A B B D A   Exempt from ATR No
XXXXXX 6000095692 XXXXXX   XXXXXX     Credit Credit Miscellaneous Guideline Credit Exception:   Per lender guides, any charge off over $XXXX must be paid at or before closing. Borrower has a charge off of $XXXX with Cap One which does not appear to have been paid off. Please provide evidence this account has been paid.       Reviewer Comment (2025-08-20): Received, Clearing.


Seller Comment (2025-08-20): Proof is paid at closing and XXXX paid off amount is $XXXX
 08/20/2025     1   A   A   A   A   A   MI Primary Refinance - Cash-out - Other   D B A A B B D A   Exempt from ATR No
XXXXXX 6000095710 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2025-08-14): Accepted as is based on meeting three RAs requirements.
       1 N/A N/A A A N/A N/A     D     PA Primary Refinance - Cash-out - Other   D B A A B B D A   Exempt from ATR No
XXXXXX 6000095710 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2025-08-14): Accepted as is.
     08/14/2025 2 A A A A A A     B B   PA Primary Refinance - Cash-out - Other   D B A A B B D A   Exempt from ATR No
XXXXXX 6000095710 XXXXXX   XXXXXX     Compliance Compliance Federal Compliance Missing Non-Required Data (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided.  Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.         Reviewer Comment (2025-08-14): Accepted as is.
     08/14/2025 2 B B B B B B B B B B   PA Primary Refinance - Cash-out - Other   D B A A B B D A   Exempt from ATR No
XXXXXX 6000095744 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2025-08-14): Accepted as is based on meeting three RAs requirements.
       1 N/A N/A A A N/A N/A     D     TX Primary Refinance - Cash-out - Other   D B A A C B D A   Exempt from ATR No
XXXXXX 6000095744 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2025-08-14): Accepted as is.
     08/14/2025 2 A A A A A A     B B   TX Primary Refinance - Cash-out - Other   D B A A C B D A   Exempt from ATR No
XXXXXX 6000095744 XXXXXX   XXXXXX     Compliance Compliance Federal Compliance Missing Non-Required Data (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided.  Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.         Reviewer Comment (2025-08-14): Accepted as is.
     08/14/2025 2 B B B B B B B B B B   TX Primary Refinance - Cash-out - Other   D B A A C B D A   Exempt from ATR No
XXXXXX 6000095744 XXXXXX   XXXXXX     Compliance Compliance State Compliance State Defect (TX50(a)(6)) Texas Cash-out Loan  (Itemization of Points and Fees Not Provided) XXXX Constitution Section 50(a)(6): Final Itemized disclosure of fees, points, costs and charges not provided to borrower at least one (1) business day prior to closing.         Reviewer Comment (2025-08-25): Received, Clearing.


Seller Comment (2025-08-25): document was in the original upload
 08/25/2025     1 C A C A C A C A C A   TX Primary Refinance - Cash-out - Other Refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. D B A A C B D A   Exempt from ATR Yes
XXXXXX 6000095744 XXXXXX   XXXXXX     Compliance Compliance State Compliance State Defect (TX50(t)(5)) (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal). No appraisal or valuation value used to determine LTV.  Unable to determine compliance with TX50(t)(5) CLTV limitation due to missing appraisal or other evaluation to verify property value/LTV         Reviewer Comment (2025-08-14): Accepted as is.
     08/14/2025 2 B B B B B B B B B B   TX Primary Refinance - Cash-out - Other Send the borrower a written acknowledgement that the lien is valid only in the amount that the extension of credit does not exceed the CLTV of 80%. D B A A C B D A   Exempt from ATR Yes
XXXXXX 6000095755 XXXXXX   XXXXXX     Compliance Compliance Federal Compliance Missing Non-Required Data (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided.  Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.         Reviewer Comment (2025-08-19): Accepted as is.
     08/19/2025 2 B B B B B B B B B B   AZ Primary Refinance - Cash-out - Other   D B A A B B D A   Exempt from ATR No
XXXXXX 6000095755 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2025-08-19): Accepted as is.
     08/19/2025 2 A A A A A A     B B   AZ Primary Refinance - Cash-out - Other   D B A A B B D A   Exempt from ATR No
XXXXXX 6000095755 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2025-08-19): Accepted as is based on meeting three RAs requirements.
       1 N/A N/A A A N/A N/A     D     AZ Primary Refinance - Cash-out - Other   D B A A B B D A   Exempt from ATR No
XXXXXX 6000095814 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2025-08-14): Accepted as is based on meeting three RAs requirements.
       1 N/A N/A A A N/A N/A     D     NC Primary Refinance - Cash-out - Other   D B A A B B D A   Exempt from ATR No
XXXXXX 6000095814 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2025-08-14): Accepted as is.
     08/14/2025 2 A A A A A A     B B   NC Primary Refinance - Cash-out - Other   D B A A B B D A   Exempt from ATR No
XXXXXX 6000095814 XXXXXX   XXXXXX     Compliance Compliance Federal Compliance Missing Non-Required Data (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided.  Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.         Reviewer Comment (2025-08-14): Accepted as is.
     08/14/2025 2 B B B B B B B B B B   NC Primary Refinance - Cash-out - Other   D B A A B B D A   Exempt from ATR No
XXXXXX 6000095853 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2025-08-19): Accepted as is based on meeting three RAs requirements.
       1 N/A N/A A A N/A N/A     D     IL Primary Refinance - Cash-out - Other   D B A A B B D A   Exempt from ATR No
XXXXXX 6000095853 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2025-08-19): Accepted as is.
     08/19/2025 2 A A A A A A     B B   IL Primary Refinance - Cash-out - Other   D B A A B B D A   Exempt from ATR No
XXXXXX 6000095853 XXXXXX   XXXXXX     Compliance Compliance Federal Compliance Missing Non-Required Data (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided.  Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.         Reviewer Comment (2025-08-19): Accepted as is.
     08/19/2025 2 B B B B B B B B B B   IL Primary Refinance - Cash-out - Other   D B A A B B D A   Exempt from ATR No
XXXXXX 6000095866 XXXXXX   XXXXXX     Compliance Compliance Federal Compliance Missing Non-Required Data (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided.  Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.         Reviewer Comment (2025-08-15): Accepted as is.
     08/15/2025 2 B B B B B B B B B B   AL Primary Refinance - Cash-out - Other   D B A A B B D A   Exempt from ATR No
XXXXXX 6000095866 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2025-08-15): Accepted as is.
     08/15/2025 2 A A A A A A     B B   AL Primary Refinance - Cash-out - Other   D B A A B B D A   Exempt from ATR No
XXXXXX 6000095866 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2025-08-15): Accepted as is based on meeting three RAs requirements.
       1 N/A N/A A A N/A N/A     D     AL Primary Refinance - Cash-out - Other   D B A A B B D A   Exempt from ATR No
XXXXXX 6000095868 XXXXXX   XXXXXX     Compliance Compliance Federal Compliance Missing Non-Required Data (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided.  Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. Initial rate lock date is not provided in file.       Reviewer Comment (2025-08-07): Accepted as is.
     08/07/2025 2 B B B B B B B B B B   TX Primary Refinance - Cash-out - Other   D B A A C B D A   Exempt from ATR No
XXXXXX 6000095868 XXXXXX   XXXXXX     Compliance Compliance State Compliance State Defect (TX50(a)(6)) Texas Cash-out Loan  (Itemization of Points and Fees Not Provided) XXXX Constitution Section 50(a)(6): Final Itemized disclosure of fees, points, costs and charges not provided to borrower at least one (1) business day prior to closing. Final Itemized disclosure of fees, points, costs and charges is not provided to borrower.       Reviewer Comment (2025-08-12): Received, Clearing.


Seller Comment (2025-08-12): Please see Preclosing Settlement Statement and XXXXdisclosures
 08/12/2025     1 C A C A C A C A C A   TX Primary Refinance - Cash-out - Other Refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. D B A A C B D A   Exempt from ATR Yes
XXXXXX 6000095868 XXXXXX   XXXXXX     Compliance Compliance State Compliance State Defect (TX50(t)(5)) (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal). No appraisal or valuation value used to determine LTV.  Unable to determine compliance with TX50(t)(5) CLTV limitation due to missing appraisal or other evaluation to verify property value/LTV Appraisal is not provided in file, AVM is provided in file       Reviewer Comment (2025-08-07): Accepted as is.
     08/07/2025 2 B B B B B B B B B B   TX Primary Refinance - Cash-out - Other Send the borrower a written acknowledgement that the lien is valid only in the amount that the extension of credit does not exceed the CLTV of 80%. D B A A C B D A   Exempt from ATR Yes
XXXXXX 6000095868 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2025-08-07): Accepted as is.
     08/07/2025 2 A A A A A A     B B   TX Primary Refinance - Cash-out - Other   D B A A C B D A   Exempt from ATR No
XXXXXX 6000095868 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___ Appraisal/Avm is missing from file.       Reviewer Comment (2025-08-07): Accepted as is based on meeting 3 RAs requirements.
       1 N/A N/A A A N/A N/A     D     TX Primary Refinance - Cash-out - Other   D B A A C B D A   Exempt from ATR No
XXXXXX 6000095919 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2025-08-20): Accepted as is based on meeting three RA's requirements.
       1 N/A N/A A A N/A N/A     D     TX Primary Refinance - Cash-out - Other   D B A A C B D A   Exempt from ATR No
XXXXXX 6000095919 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2025-08-20): Accepted as is.
     08/20/2025 2 A A A A A A     B B   TX Primary Refinance - Cash-out - Other   D B A A C B D A   Exempt from ATR No
XXXXXX 6000095919 XXXXXX   XXXXXX     Compliance Compliance Federal Compliance Missing Non-Required Data (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided.  Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.         Reviewer Comment (2025-08-20): Accepted as is.
     08/20/2025 2 B B B B B B B B B B   TX Primary Refinance - Cash-out - Other   D B A A C B D A   Exempt from ATR No
XXXXXX 6000095919 XXXXXX   XXXXXX     Compliance Compliance State Compliance State Defect (TX50(a)(6)) Texas Cash-out Loan  (No evidence that borrower received copies of all documents signed at closing) XXXX  Constitution Section 50(a)(6):  Texas Cash-out Loan.   No evidence that borrower(s) received copies of all documents signed at time of closing.         Reviewer Comment (2025-08-25): Received, Clearing.


Seller Comment (2025-08-25): See attached.
 08/25/2025     1 C A C A C A C A C A   TX Primary Refinance - Cash-out - Other Either Deliver the required documents to the borrower or refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. D B A A C B D A   Exempt from ATR Yes
XXXXXX 6000095919 XXXXXX   XXXXXX     Compliance Compliance State Compliance State Defect (TX50(a)(6)) Texas Cash-out Loan  (Itemization of Points and Fees Not Provided) XXXX Constitution Section 50(a)(6): Final Itemized disclosure of fees, points, costs and charges not provided to borrower at least one (1) business day prior to closing.         Reviewer Comment (2025-08-25): Received, Clearing.


Seller Comment (2025-08-25): Settlement Statement attached.
 08/25/2025     1 C A C A C A C A C A   TX Primary Refinance - Cash-out - Other Refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. D B A A C B D A   Exempt from ATR Yes
XXXXXX 6000095919 XXXXXX   XXXXXX     Compliance Compliance State Compliance State Defect (TX50(t)(5)) (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal). No appraisal or valuation value used to determine LTV.  Unable to determine compliance with TX50(t)(5) CLTV limitation due to missing appraisal or other evaluation to verify property value/LTV         Reviewer Comment (2025-08-20): Accepted as is.
     08/20/2025 2 B B B B B B B B B B   TX Primary Refinance - Cash-out - Other Send the borrower a written acknowledgement that the lien is valid only in the amount that the extension of credit does not exceed the CLTV of 80%. D B A A C B D A   Exempt from ATR Yes
XXXXXX 6000095919 XXXXXX   XXXXXX     Compliance Compliance State Compliance State Defect (TX50(t)(5))  TX Admin Code 153.86(3): maximum principal balance of the HELOC XXXX  Constitution 50(t)(5); TX Admin Code 153.86(3):  The maximum principal balance of the HELOC that may be outstanding at any time was not determined on the date of closing and/or is permitted to change through the term of the HELOC.         Reviewer Comment (2025-08-27): Received, Clearing.
 08/27/2025     1 C A C A C A C A C A   TX Primary Refinance - Cash-out - Other Send the borrower a written notice modifying the amount of the current outstanding principle balance to be the maximum amount agreed upon determined on the date of closing and a written acknowledgement that the lien is valid only in the amount that the extension of credit does not exceed 80% CLTV. D B A A C B D A   Exempt from ATR Yes
XXXXXX 6000095919 XXXXXX   XXXXXX     Compliance Compliance State Compliance State Defect (TX50(a)(6)) Texas Cash-out Loan  (Itemization of Points and Fees Not Provided At Least 1 Business Day Prior to Closing - No Waiver) XXXX  Constitution Section 50(a)(6): Final itemized disclosure of fees, points, costs and charges not provided to borrower at least one (XXXX) business day prior to closing without a waiver.         Reviewer Comment (2025-08-27): Received, Clearing.


Seller Comment (2025-08-27): Initial SS attached.


Reviewer Comment (2025-08-25): Closing was XXXXand receipt wasXXXX which is not at least one (1) business day prior to closing.


Seller Comment (2025-08-25): See attached.
 08/27/2025     1   A   A   A   A   A   TX Primary Refinance - Cash-out - Other Refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. D B A A C B D A   Exempt from ATR Yes
XXXXXX 6000095573 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2025-08-20): Accepted as is.
     08/20/2025 2 A A A A A A     B B   CA Primary Refinance - Cash-out - Other   D B A A B B D A   Exempt from ATR No
XXXXXX 6000095573 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2025-08-20): Accepted as is based on meeting three RAs requirements.
       1 N/A N/A A A N/A N/A     D     CA Primary Refinance - Cash-out - Other   D B A A B B D A   Exempt from ATR No
XXXXXX 6000095573 XXXXXX   XXXXXX     Compliance Compliance Federal Compliance Missing Non-Required Data (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided.  Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.         Reviewer Comment (2025-08-20): Accepted as is.
     08/20/2025 2 B B B B B B B B B B   CA Primary Refinance - Cash-out - Other   D B A A B B D A   Exempt from ATR No
XXXXXX 6000095730 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 372 Note Date:  ___; Lien Position: ___         Reviewer Comment (2025-08-11): Accepted as is.
     08/11/2025 2 B B A A A A     A A   GA Primary Refinance - Cash-out - Other   D D C C B B D D   Exempt from ATR No
XXXXXX 6000095730 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 180 Note Date:  ___; Lien Position: ___ Appraisal/Avm is missing from file.       Reviewer Comment (2025-08-11): Accepted as is based on meeting three RAs requirements.
       3 N/A N/A A A N/A N/A     D D   GA Primary Refinance - Cash-out - Other   D D C C B B D D   Exempt from ATR No
XXXXXX 6000095730 XXXXXX   XXXXXX     Credit Title Document Error Title Title Evidence of Title Search was used on a first lien.           Reviewer Comment (2025-08-13): Title search allowed by guidelines.
     08/13/2025 1 A A A A A A C C A A   GA Primary Refinance - Cash-out - Other   D D C C B B D D   Exempt from ATR No
XXXXXX 6000095730 XXXXXX   XXXXXX     Compliance Compliance Federal Compliance Missing Non-Required Data (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided.  Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. .       Reviewer Comment (2025-08-11): Accepted as is.
     08/11/2025 2 B B B B B B B B B B   GA Primary Refinance - Cash-out - Other   D D C C B B D D   Exempt from ATR No
XXXXXX 4000082429 XXXXXX   XXXXXX     Credit Insurance Insurance Analysis Insurance Insufficient Coverage: Hazard insurance coverage amount is insufficient.   Hazard Insurance Coverage Amount is insufficient       Reviewer Comment (2025-08-22): Received, Clearing.


Seller Comment (2025-08-22): Comment from XXXX (XXXX): Please see attached XXXX XXXX Estimator.
 08/22/2025     1 C A C A C A C A C A   NC Primary Refinance - Cash-out - Other   D A C A A A D A   Exempt from ATR No
XXXXXX 4000082429 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___ Loan is to be Securitized. One Valuation was provided, with no CU or LCA.       Reviewer Comment (2025-08-04): Accepted as is based on meeting three RAs requirements
       1 N/A N/A A A N/A N/A     D     NC Primary Refinance - Cash-out - Other   D A C A A A D A   Exempt from ATR No
XXXXXX 4000082429 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___ Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date.       Reviewer Comment (2025-08-04): Accepted as is.
     08/04/2025 2 A A A A A A     B B   NC Primary Refinance - Cash-out - Other   D A C A A A D A   Exempt from ATR No
XXXXXX 4000083299 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___ Secondary valuation not required in XXXX Second lien file .       Reviewer Comment (2025-08-18): Accepted as is based on meeting two RAs requirements
       1 N/A N/A A A N/A N/A     D N/A   WA Primary Refinance - Cash-out - Other   D A A A A A D A   Exempt from ATR No
XXXXXX 4000086060 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2025-08-21): Accepted as is.
     08/21/2025 2 A A A A A A     B B   CA Investment Refinance - Cash-out - Other   D A A A A A D A   Exempt from ATR No
XXXXXX 4000086060 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2025-08-21): Accepted as is based on meeting XXXX requirements.
       1 N/A N/A A A N/A N/A     D     CA Investment Refinance - Cash-out - Other   D A A A A A D A   Exempt from ATR No
XXXXXX 4000089866 XXXXXX   XXXXXX     Compliance Compliance Federal Compliance TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act:  Subject loan transaction disbursed on XXXX, prior to XXXX (XXXX) business days from transaction date of XXXX         Reviewer Comment (2025-09-11): Received final settlement statement confirming disbursement of XXXX


Seller Comment (2025-09-11): Comment from XXXX settlement statement with disbursement date of XXXXand ledger from attorney's office


Reviewer Comment (2025-08-26): To cure the exception provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form


Buyer Comment (2025-08-26): Comment from XXXX: We disbursed before the XXXX day period. We you allow us to update the per diem interest on the HUD and refund the customer the extra days collected?


Reviewer Comment (2025-08-26): We need something from the final closing statement showing the disbursement date.


Seller Comment (2025-08-26): Comment from XXXX Can you please clarify what is needed as this file is a heloc?
 09/11/2025     1 C A C A C A C A C A   GA Primary Refinance - Cash-out - Other TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C A A A C A A A   Exempt from ATR Yes
XXXXXX 4000086920 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided. The provided CU and/or LCA do not provide relief. Sec ID: 138   A secondary valuation is required to support the primary value for securitization purposes. The provided UCDP does not provide relief.       Reviewer Comment (2025-09-04): Received, Clearing.


Seller Comment (2025-09-04): Comment from XXXX XXXXattached
 09/04/2025     1 D A A A D A   A D A   AL Primary Refinance - Cash-out - Other   D A A A A A D A   Exempt from ATR No
XXXXXX 4000088016 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 372 Note Date:  ___; Lien Position: ___         Reviewer Comment (2025-09-05): Accepted as is.
     09/05/2025 2 B B A A A A     A A   FL Primary Refinance - Cash-out - Other   B B A A B B B B   Exempt from ATR No
XXXXXX 4000088016 XXXXXX   XXXXXX     Compliance Compliance Federal Compliance ECOA ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation ECOA Valuations Rule (XXXX): Creditor did not provide a copy of each valuation to applicant XXXX(XXXX) business days prior to consummation.         Reviewer Comment (2025-09-05): Accepted as is.
     09/05/2025 2 B B B B B B B B B B   FL Primary Refinance - Cash-out - Other   B B A A B B B B   Exempt from ATR No
XXXXXX 4000088016 XXXXXX   XXXXXX     Compliance Compliance Federal Compliance ECOA ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation ECOA Valuations Rule (XXXX): Creditor did not provide a copy of each valuation to applicant XXXX(XXXX) business days prior to consummation.         Reviewer Comment (2025-09-05): Accepted as is.
     09/05/2025 2 B B B B B B B B B B   FL Primary Refinance - Cash-out - Other   B B A A B B B B   Exempt from ATR No
XXXXXX 4000087138 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2025-09-15): Accepted as is based on meeting three RAs requirements.
       1 N/A N/A A A N/A N/A     D     MO Primary Refinance - Cash-out - Other   D A A A A A D A   Exempt from ATR No
XXXXXX 4000087138 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2025-09-15): Accepted as is.
     09/15/2025 2 A A A A A A     B B   MO Primary Refinance - Cash-out - Other   D A A A A A D A   Exempt from ATR No
XXXXXX 4000090506 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___ Secondary valuation is not required for second lien files as per HELOC program.       Reviewer Comment (2025-09-17): Accepted as is based on meeting three RAs requirements.
       1 N/A N/A A A N/A N/A     D     MI Primary Refinance - Cash-out - Other   D A A A A A D A   Exempt from ATR No
XXXXXX 4000090506 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___ Secondary valuation is not required for second lien files as per HELOC program.       Reviewer Comment (2025-09-17): Accepted as is.
     09/17/2025 2 A A A A A A     B B   MI Primary Refinance - Cash-out - Other   D A A A A A D A   Exempt from ATR No
XXXXXX 4000090428 XXXXXX   XXXXXX     Credit Hazard Insurance Insufficient Coverage Hazard Insurance The Hazard Insurance Policy Effective Date is after closing.           Reviewer Comment (2025-09-18): Received, Clearing.


Seller Comment (2025-09-18): Comment from XXXX (XXXX): Please see attached.
 09/18/2025     1 C A C A C A C A C A   MO Primary Refinance - Cash-out - Other   D A C A A A D A   Exempt from ATR No
XXXXXX 4000090428 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2025-09-17): Accepted as is based on meeting three RAs requirements.
       1 N/A N/A A A N/A N/A     D N/A   MO Primary Refinance - Cash-out - Other   D A C A A A D A   Exempt from ATR No
XXXXXX 4000090428 XXXXXX   XXXXXX     Compliance Compliance Federal Compliance TILA Truth in Lending Act (HELOC): Fee amounts for testing were sourced from one or more fee documents in file containing higher amounts than that reflected on HELOC Agreement. Truth in Lending Act (HELOC): Fee amounts were sourced from multiple disclosures containing higher amounts than that reflected on HELOC Agreement.         Reviewer Comment (2025-09-17): Accepted as is.
     09/17/2025 2 A A A A A A A A A A   MO Primary Refinance - Cash-out - Other   D A C A A A D A   Exempt from ATR No
XXXXXX 4000091471 XXXXXX   XXXXXX     Compliance Compliance Federal Compliance TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.         Reviewer Comment (2025-09-18): Received, Clearing.


Seller Comment (2025-09-17): Comment from XXXX (XXXX): Please see attached.
 09/18/2025     1 C A C A C A C A C A   CO Primary Refinance - Cash-out - Other TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form D A A A C A D A   Exempt from ATR Yes
XXXXXX 4000091471 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2025-09-17): Accepted as is based on meeting two RAs requirements
       1 N/A N/A A A N/A N/A     D     CO Primary Refinance - Cash-out - Other   D A A A C A D A   Exempt from ATR No
XXXXXX 4000091471 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2025-09-17): Accepted as is.
     09/17/2025 2 A A A A A A     B B   CO Primary Refinance - Cash-out - Other   D A A A C A D A   Exempt from ATR No
XXXXXX 4000090173 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2025-09-19): Accepted as is based on meeting two RAs requirements
       1 N/A N/A A A N/A N/A     D     KS Primary Refinance - Cash-out - Other   D A A A A A D A   Exempt from ATR No
XXXXXX 4000090173 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2025-09-19): Accepted as is.
     09/19/2025 2 A A A A A A     B B   KS Primary Refinance - Cash-out - Other   D A A A A A D A   Exempt from ATR No
XXXXXX 4000090367 XXXXXX   XXXXXX     Credit Insurance Insurance Analysis Insurance Hazard Insurance Policy expires within 90 days of the Note Date. Hazard Insurance Policy Expiration Date ___, Note Date ___         Reviewer Comment (2025-09-23): Accepted as is.
     09/23/2025 2 B B B B B B B B B B   GA Investment Refinance - Cash-out - Other   D B B B A A D A   Exempt from ATR No
XXXXXX 4000090367 XXXXXX   XXXXXX     Property Appraisal Reconciliation Appraisal Documentation Appraisal Reconciliation Appraisal from prior transaction provided. No secondary valuation with effective date less than 3 months past note date provided. Sec ID: 156 Note Date:  ___; Lien Position: ___         Reviewer Comment (2025-09-23): Accepted as is based on meeting three RAs requirements.
       1 N/A N/A A A N/A N/A     D     GA Investment Refinance - Cash-out - Other   D B B B A A D A   Exempt from ATR No
XXXXXX 4000085277 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 372 Note Date:  ___; Lien Position: ___         Reviewer Comment (2025-09-26): Accepted as is.
     09/26/2025 2 B B A A A A     A A   PA Investment Refinance - Cash-out - Other   D D A A B B D D   Exempt from ATR No
XXXXXX 4000085277 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 180 Note Date:  ___; Lien Position: ___         Reviewer Comment (2025-09-26): Accepted as is based on meeting two RAs requirements
       3 N/A N/A A A N/A N/A     D D   PA Investment Refinance - Cash-out - Other   D D A A B B D D   Exempt from ATR No
XXXXXX 4000085277 XXXXXX   XXXXXX     Compliance Compliance Federal Compliance ECOA ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation.         Reviewer Comment (2025-09-26): Accepted as is.
     09/26/2025 2 B B B B B B B B B B   PA Investment Refinance - Cash-out - Other   D D A A B B D D   Exempt from ATR No
XXXXXX 4000094717 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___ Secondary valuation not required in Heloc Second lien file .       Reviewer Comment (2025-09-29): Accepted as is based on meeting three RAs requirements.
       1 N/A N/A A A N/A N/A     D N/A   LA Primary Refinance - Cash-out - Other   D A A A A A D A   Exempt from ATR No
XXXXXX 4000093050 XXXXXX   XXXXXX     Credit Title General Title Title Policy Coverage is less than Original Loan Amount. The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. Title Policy Coverage is less than Original Loan Amount.       Reviewer Comment (2025-10-01): Client elects to waive
     10/01/2025 2 B B B B B B B B B B   GA Investment Refinance - Cash-out - Other   D B B B A A D A   Exempt from ATR No
XXXXXX 4000093050 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___ Loan is to be securitized. One valuation was provided, with no CU or LCA.       Reviewer Comment (2025-10-01): Accepted as is based on meeting three RAs requirements.
       1 N/A N/A A A N/A N/A     D     GA Investment Refinance - Cash-out - Other   D B B B A A D A   Exempt from ATR No
XXXXXX 4000093050 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___ Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date.       Reviewer Comment (2025-10-01): Client elects to waive
     10/01/2025 2 A A A A A A     B B   GA Investment Refinance - Cash-out - Other   D B B B A A D A   Exempt from ATR No
XXXXXX 4000092384 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___ Loan is to be securitized. One valuation was provided, with no CU or LCA.       Reviewer Comment (2025-10-01): Accepted as is based on meeting three RAs requirements
       1 N/A N/A A A N/A N/A     D     CA Primary Refinance - Cash-out - Other   D A C A A A D A   Exempt from ATR No
XXXXXX 4000092384 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___ Loan is to be securitized. One valuation  was provided with an effective date between application date and note date.       Reviewer Comment (2025-10-01): Client elects to waive
     10/01/2025 2 A A A A A A     B B   CA Primary Refinance - Cash-out - Other   D A C A A A D A   Exempt from ATR No
XXXXXX 4000092384 XXXXXX   XXXXXX     Credit Guideline Guideline Issue Guideline Housing history reflects lates that do not meet guidelines   The borrower is delinquent XXXX days on XXXX/XXXX which does not meet guidelines       Reviewer Comment (2025-10-01): Received documentation the lates on the credit report are tied to a timeshare and not a mortgage.


Seller Comment (2025-10-01): Comment from XXXX (XXXX): Please see attached.
 10/01/2025     1 C A C A C A C A C A   CA Primary Refinance - Cash-out - Other   D A C A A A D A   Exempt from ATR No
XXXXXX 4000091730 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2025-10-02): Accepted as is.
     10/02/2025 2 A A A A A A     B B   AZ Primary Refinance - Cash-out - Other   D A A A A A D A   Exempt from ATR No
XXXXXX 4000091730 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2025-10-02): Accepted as is based on meeting three RAs requirements
       1 N/A N/A A A N/A N/A     D     AZ Primary Refinance - Cash-out - Other   D A A A A A D A   Exempt from ATR No
XXXXXX 4000093631 XXXXXX   XXXXXX     Credit Loan Package Documentation Application / Processing Loan Package Documentation FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected.           Reviewer Comment (2025-10-08): Received, Clearing.
 10/08/2025     1 C A C A C A C A C A   FL Second Home Refinance - Cash-out - Other   D B C A B B D A   Exempt from ATR No
XXXXXX 4000093631 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2025-10-03): Accepted as is based on meeting two RAs requirements
       1 N/A N/A A A N/A N/A     D     FL Second Home Refinance - Cash-out - Other   D B C A B B D A   Exempt from ATR No
XXXXXX 4000093631 XXXXXX   XXXXXX     Credit Income / Employment Income Documentation Missing Document  REO Documents are missing. - ___ XXXX Policy not provided.       Reviewer Comment (2025-10-07): Received, Clearing.


Buyer Comment (2025-10-07): Comment from XXXX (XXXX): XXXX : Schedule E from the 1040s were used to calculate the payment for the HOI.
 10/07/2025     1 C A C A C A C A C A   FL Second Home Refinance - Cash-out - Other   D B C A B B D A   Exempt from ATR No
XXXXXX 4000093631 XXXXXX   XXXXXX     Compliance Compliance Federal Compliance Missing Disclosure Notice of Special Flood Hazard Disclosure Not Provided Timely FDPA Notification Rule: Creditor did not provide a Notice of Special Flood Hazard Disclosure within a reasonable time prior to closing. Creditor did not provide a Notice of Special Flood Hazard Disclosure within a reasonable time prior to closing.       Reviewer Comment (2025-10-03): Accepted as is.
     10/03/2025 2 B B B B B B B B B B   FL Second Home Refinance - Cash-out - Other   D B C A B B D A   Exempt from ATR No
XXXXXX 4000093631 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2025-10-03): Accepted as is.
     10/03/2025 2 A A A A A A     B B   FL Second Home Refinance - Cash-out - Other   D B C A B B D A   Exempt from ATR No
XXXXXX 4000093631 XXXXXX   XXXXXX     Property Valuation General Valuation Valuation Product pending   XXXX / Post Disaster Inspection + XXXX - XXXXDays       Reviewer Comment (2025-10-08): Received, Clearing.


Reviewer Comment (2025-10-07): Valuation Received - XXXX
 10/08/2025     1   A   A   A   A   A   FL Second Home Refinance - Cash-out - Other   D B C A B B D A   Exempt from ATR No
XXXXXX 4000092489 XXXXXX   XXXXXX     Credit Loan Package Documentation Application / Processing Loan Package Documentation 1003 Error: Birth Date  was not provided -         Reviewer Comment (2025-10-03): Accepted as is.
     10/03/2025 2 B B B B B B B B B B   WA Primary Refinance - Cash-out - Other   B B B B A A A A   Exempt from ATR No
XXXXXX 4000089869 XXXXXX   XXXXXX     Credit Loan Package Documentation Application / Processing Loan Package Documentation Missing Document: Missing Final 1003   Final XXXXis Missing       Reviewer Comment (2025-10-14): Final 1003 received, exception cleared


Seller Comment (2025-10-14): Comment from XXXX (XXXX.): 1003
 10/14/2025     1 C A C A C A C A C A   MD Investment Refinance - Cash-out - Other   D A C A A A D A   Exempt from ATR No
XXXXXX 4000089869 XXXXXX   XXXXXX     Credit Credit Credit Documentation Credit Missing Document: Occupancy Certificate not provided   Occupancy Certificate is Missing       Reviewer Comment (2025-10-20): Received Occupancy Certificate. Exception cleared.


Seller Comment (2025-10-20): Comment from XXXX (XXXX.): occ affidavit
 10/20/2025     1 C A C A C A C A C A   MD Investment Refinance - Cash-out - Other   D A C A A A D A   Exempt from ATR No
XXXXXX 4000089869 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___ Loan is to be securitized. One valuation was provided, with no CU or LCA.       Reviewer Comment (2025-10-06): Accepted as is based on meeting two RAs requirements
       1 N/A N/A A A N/A N/A     D     MD Investment Refinance - Cash-out - Other   D A C A A A D A   Exempt from ATR No
XXXXXX 4000089869 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___ Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date.       Reviewer Comment (2025-10-06): Client elects to waive
     10/06/2025 2 A A A A A A     B B   MD Investment Refinance - Cash-out - Other   D A C A A A D A   Exempt from ATR No
XXXXXX 4000092545 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2025-10-06): Client elects to waive
     10/06/2025 2 A A A A A A     B B   PA Primary Refinance - Cash-out - Other   D A A A A A D A   Exempt from ATR No
XXXXXX 4000092545 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2025-10-06): Accepted as is based on meeting three RAs requirements
       1 N/A N/A A A N/A N/A     D     PA Primary Refinance - Cash-out - Other   D A A A A A D A   Exempt from ATR No
XXXXXX 4000092098 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___ Secondary valuation not required in Heloc Second lien file .       Reviewer Comment (2025-10-07): Accepted as is based on meeting three RAs requirements
       1 N/A N/A A A N/A N/A     D     NC Primary Refinance - Cash-out - Other   D B D A B B D A   Exempt from ATR No
XXXXXX 4000092098 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___ Secondary valuation not required in Heloc Second lien file .       Reviewer Comment (2025-10-07): Accepted as is.
     10/07/2025 2 A A A A A A     B B   NC Primary Refinance - Cash-out - Other   D B D A B B D A   Exempt from ATR No
XXXXXX 4000092098 XXXXXX   XXXXXX     Credit Loan Package Documentation Closing / Title Missing Document  Missing Document: Security Instrument - Subject Lien not provided   The file is missing copy of Security Instrument document .       Reviewer Comment (2025-10-15): Received Security Instrument - Subject Lien. Exception cleared.


Seller Comment (2025-10-15): Comment from XXXX (XXXX): DOT
 10/15/2025     1 D A D A D A D A D A   NC Primary Refinance - Cash-out - Other   D B D A B B D A   Exempt from ATR No
XXXXXX 4000092098 XXXXXX   XXXXXX     Compliance Compliance Federal Compliance TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form Right of Rescission Timing - Note Date used as Transaction Date Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements         Reviewer Comment (2025-10-07): Accepted as is.
     10/07/2025 2 B B B B B B B B B B   NC Primary Refinance - Cash-out - Other   D B D A B B D A   Exempt from ATR No
XXXXXX 4000096252 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2025-10-07): Accepted as is.
     10/07/2025 2 A A A A A A     B B   CA Primary Refinance - Cash-out - Other   D A C A A A D A   Exempt from ATR No
XXXXXX 4000096252 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2025-10-07): Accepted as is based on meeting two RAs requirements
       1 N/A N/A A A N/A N/A     D     CA Primary Refinance - Cash-out - Other   D A C A A A D A   Exempt from ATR No
XXXXXX 4000096252 XXXXXX   XXXXXX     Credit Loan Package Documentation Application / Processing Loan Package Documentation FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected.           Reviewer Comment (2025-10-08): Received, Clearing.
 10/08/2025     1 C A C A C A C A C A   CA Primary Refinance - Cash-out - Other   D A C A A A D A   Exempt from ATR No
XXXXXX 4000096252 XXXXXX   XXXXXX     Property Valuation General Valuation Valuation Product pending   XXXX / Post Disaster Inspection + XXXX - XXXXDays       Reviewer Comment (2025-10-08): Received, Clearing.


Reviewer Comment (2025-10-08): Valuation Received - XXXX
 10/08/2025     1   A   A   A   A   A   CA Primary Refinance - Cash-out - Other   D A C A A A D A   Exempt from ATR No
XXXXXX 4000092570 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2025-10-08): Accepted as is.
     10/08/2025 2 A A A A A A     B B   FL Primary Refinance - Cash-out - Other   D A A A A A D A   Exempt from ATR No
XXXXXX 4000092570 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2025-10-08): Accepted as is based on meeting three RAs requirements.
       1 N/A N/A A A N/A N/A     D     FL Primary Refinance - Cash-out - Other   D A A A A A D A   Exempt from ATR No
XXXXXX 4000097034 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2025-10-10): Accepted as is based on meeting three RAs requirements.
       1 N/A N/A A A N/A N/A     D     NC Investment Refinance - Cash-out - Other   D A C A A A D A   Exempt from ATR No
XXXXXX 4000097034 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2025-10-10): Client elects to waive
     10/10/2025 2 A A A A A A     B B   NC Investment Refinance - Cash-out - Other   D A C A A A D A   Exempt from ATR No
XXXXXX 4000097034 XXXXXX   XXXXXX     Credit Income / Employment Income Documentation Income / Employment Verification(s) of employment is not within 10 business days of the Note. - Verification(s) of employment is not within XXXXbusiness days of the Note.       Reviewer Comment (2025-10-14): Received Verification(s) of employment is within XXXX business days of the Note. Exception cleared.


Seller Comment (2025-10-13): Comment from XXXX (XXXX): Please see attached
 10/14/2025     1 C A C A C A C A C A   NC Investment Refinance - Cash-out - Other   D A C A A A D A   Exempt from ATR No
XXXXXX 4000093930 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___ Loan is to be Securitized. One Valuation was provided, with no CU or LCA.       Reviewer Comment (2025-10-14): Accepted as is based on meeting three RAs requirements
       1 N/A N/A A A N/A N/A     D     CA Primary Refinance - Cash-out - Other   D A A A A A D A   Exempt from ATR No
XXXXXX 4000093930 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2025-10-14): Accepted as is.
     10/14/2025 2 A A A A A A     B B   CA Primary Refinance - Cash-out - Other   D A A A A A D A   Exempt from ATR No
XXXXXX 4000089273 XXXXXX   XXXXXX     Property Appraisal Reconciliation Appraisal Documentation Appraisal Reconciliation Appraisal from prior transaction provided. No secondary valuation with effective date less than 3 months past note date provided. Sec ID: 156 Note Date:  ___; Lien Position: ___         Reviewer Comment (2025-10-31): Accepted as is based on meeting three RAs requirements.
       1 N/A N/A A A N/A N/A     D     CO Investment Refinance - Cash-out - Other   D A A A A A D A   Exempt from ATR No
XXXXXX 4000095127 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2025-10-17): Accepted as is based on meeting two RAs requirements
       1 N/A N/A A A N/A N/A     D     CA Primary Refinance - Cash-out - Other   D A A A A A D A   Exempt from ATR No
XXXXXX 4000095127 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2025-10-17): Accepted as is.
     10/17/2025 2 A A A A A A     B B   CA Primary Refinance - Cash-out - Other   D A A A A A D A   Exempt from ATR No
XXXXXX 4000093965 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2025-10-21): Accepted as is based on meeting two RAs requirements
       1 N/A N/A A A N/A N/A     D     OH Primary Refinance - Cash-out - Other   D A A A C A D A   Exempt from ATR No
XXXXXX 4000093965 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2025-10-21): Accepted as is.
     10/21/2025 2 A A A A A A     B B   OH Primary Refinance - Cash-out - Other   D A A A C A D A   Exempt from ATR No
XXXXXX 4000093965 XXXXXX   XXXXXX     Compliance Compliance Federal Compliance TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act:  Subject loan transaction disbursed on XXXX, prior to three (3) business days from transaction date of XXXX.         Reviewer Comment (2025-10-22): Received final settlement statement confirming disbursement date of XXXX


Seller Comment (2025-10-22): Comment from XXXX (XXXX): Please see attached.
 10/22/2025     1 C A C A C A C A C A   OH Primary Refinance - Cash-out - Other TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form D A A A C A D A   Exempt from ATR Yes
XXXXXX 4000095566 XXXXXX   XXXXXX     Credit Missing Document General Missing Document Missing Document: Legal Description not provided   Legal Description is missing.       Reviewer Comment (2025-10-23): Received, Clearing.


Seller Comment (2025-10-23): Comment from XXXX (XXXX): legal des
 10/23/2025     1 C A C A C A C A C A   CO Second Home Refinance - Cash-out - Other   D A C A A A D A   Exempt from ATR No
XXXXXX 4000095566 XXXXXX   XXXXXX     Credit Loan Package Documentation Closing / Title Loan Package Documentation Missing Document: Rider - Condo not provided   Condo Rider is missing.       Reviewer Comment (2025-10-23): Received Rider - Condo. Exception cleared.


Seller Comment (2025-10-23): Comment from XXXX (XXXX): condo rider
 10/23/2025     1 C A C A C A C A C A   CO Second Home Refinance - Cash-out - Other   D A C A A A D A   Exempt from ATR No
XXXXXX 4000095566 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2025-10-21): Accepted as is based on meeting three RAs requirements.
       1 N/A N/A A A N/A N/A     D     CO Second Home Refinance - Cash-out - Other   D A C A A A D A   Exempt from ATR No
XXXXXX 4000095566 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2025-10-21): Accepted as is.
     10/21/2025 2 A A A A A A     B B   CO Second Home Refinance - Cash-out - Other   D A C A A A D A   Exempt from ATR No
XXXXXX 4000095566 XXXXXX   XXXXXX     Credit Credit Miscellaneous Guideline Credit Exception:   Note document Subject address is XXXX, However address XXXX is reflecting in Title and AVM.       Reviewer Comment (2025-10-30): Received, Clearing.


Seller Comment (2025-10-28): Comment from XXXX XXXX): PLEASE READ


Reviewer Comment (2025-10-27): The title and the AVM will need to be updated to match the note.


Seller Comment (2025-10-27): Comment from XXXX (XXXX): PLEASE READ
 10/30/2025     1 C A C A C A C A C A   CO Second Home Refinance - Cash-out - Other   D A C A A A D A   Exempt from ATR No
XXXXXX 4000095566 XXXXXX   XXXXXX     Credit Income / Employment Income Documentation Income / Employment Verification(s) of employment is not within 10 business days of the Note. - Verification(s) of employment is not within 10 business days of the Note.       Reviewer Comment (2025-10-23): Received VVOE within XXXXcalendar days of the Note. Exception cleared.


Seller Comment (2025-10-23): Comment from XXXX (XXXX): verbal voe
 10/23/2025     1 C A C A C A C A C A   CO Second Home Refinance - Cash-out - Other   D A C A A A D A   Exempt from ATR No
XXXXXX 4000095566 XXXXXX   XXXXXX     Credit Income / Employment Income Documentation Income / Employment Verification(s) of employment is not within 10 business days of the Note. - Verification(s) of employment is not within 10 business days of the Note.       Reviewer Comment (2025-10-23): Received VVOE within XXXXcalendar days of the Note. Exception cleared.


Seller Comment (2025-10-23): Comment from XXXX (XXXX): verbal voe
 10/23/2025     1 C A C A C A C A C A   CO Second Home Refinance - Cash-out - Other   D A C A A A D A   Exempt from ATR No
XXXXXX 4000095900 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___ Loan is to be securitized. One valuation was provided, with no CU or LCA.       Reviewer Comment (2025-10-22): Accepted as is based on meeting more than three RAs requirements
       1 N/A N/A A A N/A N/A     D     CA Investment Refinance - Cash-out - Other   D A A A A A D A   Exempt from ATR No
XXXXXX 4000095900 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___ Loan is to be securitized. One valuation as provided with an effective date between application date and note date.       Reviewer Comment (2025-10-22): Accepted as is.
     10/22/2025 2 A A A A A A     B B   CA Investment Refinance - Cash-out - Other   D A A A A A D A   Exempt from ATR No
XXXXXX 4000095550 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___ Loan is to be Securitized. One Valuation was provided, with no CU or LCA.       Reviewer Comment (2025-10-24): Accepted as is based on meeting more than three RAs requirements
       1 N/A N/A A A N/A N/A     D     CO Primary Refinance - Cash-out - Other   D A A A A A D A   Exempt from ATR No
XXXXXX 4000095550 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2025-10-24): Accepted as is.
     10/24/2025 2 A A A A A A     B B   CO Primary Refinance - Cash-out - Other   D A A A A A D A   Exempt from ATR No
XXXXXX 4000097019 XXXXXX   XXXXXX     Credit Loan Package Documentation Closing / Title Missing Document  Missing Document: Security Instrument - Subject Lien not provided           Reviewer Comment (2025-10-29): Received, Clearing.


Buyer Comment (2025-10-29): Comment from XXXX (XXXX.): this item is duplicate- DOT uploaded- please remove
 10/29/2025     1 D A D A D A D A D A   NC Primary Refinance - Cash-out - Other   D A D A A A D A   Exempt from ATR No
XXXXXX 4000097019 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2025-10-27): Accepted as is based on meeting XXXXRAs requirements.
       1 N/A N/A A A N/A N/A     D N/A   NC Primary Refinance - Cash-out - Other   D A D A A A D A   Exempt from ATR No
XXXXXX 4000094105 XXXXXX   XXXXXX     Compliance Compliance Federal Compliance RESPA RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application RESPA Disclosure Rule (Dodd-Frank 2014): List of Homeownership Counseling Organizations not provided to applicant within three (3) business days of application. List of Homeownership Counseling Organizations not provided to applicant within three (3) business days of application.       Reviewer Comment (2025-10-27): Accepted as is.
     10/27/2025 2 B B B B B B B B B B   WI Primary Refinance - Cash-out - Other   D B A A B B D A   Exempt from ATR No
XXXXXX 4000094105 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___ Loan is to be securitized. One valuation was provided, with no CU or LCA.       Reviewer Comment (2025-10-27): Accepted as is based on meeting two RAs requirements
       1 N/A N/A A A N/A N/A     D     WI Primary Refinance - Cash-out - Other   D B A A B B D A   Exempt from ATR No
XXXXXX 4000094105 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___ Loan is to be securitized. One valuation was provided with an effective date between application date and note date.       Reviewer Comment (2025-10-27): Accepted as is.
     10/27/2025 2 A A A A A A     B B   WI Primary Refinance - Cash-out - Other   D B A A B B D A   Exempt from ATR No
XXXXXX 4000092580 XXXXXX   XXXXXX     Credit Insurance Insurance Analysis Insurance Hazard Insurance Policy expires within 90 days of the Note Date. Hazard Insurance Policy Expiration Date ___, Note Date ___ Hazard Insurance Policy expires within XXXX days of the Note Date.       Reviewer Comment (2025-10-28): Accepted as is.
     10/28/2025 2 B B B B B B B B B B   PA Primary Refinance - Cash-out - Other   B B B B A A A A   Exempt from ATR No
XXXXXX 4000093121 XXXXXX   XXXXXX     Credit Loan Package Documentation Closing / Title Missing Document  Missing Document: Security Instrument - Subject Lien not provided   Security Instrument is Missing for Subject Property       Reviewer Comment (2025-10-31): Received, Clearing.


Buyer Comment (2025-10-31): Comment from XXXX (XXXX.): this is a duplicate item- please remove
 10/31/2025     1 D A D A D A D A D A   NJ Primary Refinance - Cash-out - Other   D A D A A A A A   Exempt from ATR No
XXXXXX 4000096554 XXXXXX   XXXXXX     Credit Loan Package Documentation Loan File Missing Document  Missing Document: Hazard Insurance Policy not provided   Hazard Insurance Policy not provided in file       Reviewer Comment (2025-10-29): Received, Clearing.


Seller Comment (2025-10-29): Comment from XXXX (XXXX): Please see attached.
 10/29/2025     1 C A C A C A C A C A   KS Primary Refinance - Cash-out - Other   D A C A A A D A   Exempt from ATR No
XXXXXX 4000096554 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2025-10-29): Accepted as is based on meeting three RAs requirements
       1 N/A N/A A A N/A N/A     D     KS Primary Refinance - Cash-out - Other   D A C A A A D A   Exempt from ATR No
XXXXXX 4000096554 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2025-10-29): Accepted as is based on meeting three RAs requirements
     10/29/2025 2 A A A A A A     B B   KS Primary Refinance - Cash-out - Other   D A C A A A D A   Exempt from ATR No
XXXXXX 4000096554 XXXXXX   XXXXXX     Credit Legal / Regulatory / Compliance Title / Lien Defect Legal / Regulatory / Compliance Final Title Policy is missing. No evidence of title in file.   Title/Missing Document Title Evidence is Missing       Reviewer Comment (2025-10-29): Received, Clearing.


Seller Comment (2025-10-29): Comment from XXXX(XXXX: Please see attached.
 10/29/2025     1 C A C A C A C A C A   KS Primary Refinance - Cash-out - Other   D A C A A A D A   Exempt from ATR No
XXXXXX 4000094816 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2025-10-29): Accepted as is.
     10/29/2025 2 A A A A A A     B B   OH Primary Refinance - Cash-out - Other   D A A A A A D A   Exempt from ATR No
XXXXXX 4000094816 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2025-10-29): Accepted as is based on meeting XXXX RAs requirements
       1 N/A N/A A A N/A N/A     D     OH Primary Refinance - Cash-out - Other   D A A A A A D A   Exempt from ATR No
XXXXXX 4000096342 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___ Loan is to be Securitized. One Valuation was provided, with no CU or LCA.       Reviewer Comment (2025-11-03): Accepted as is based on meeting two RAs requirements
       1 N/A N/A A A N/A N/A     D     WA Investment Refinance - Cash-out - Other   D A C A A A D A   Exempt from ATR No
XXXXXX 4000096342 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2025-11-03): Client elects to waive
     11/03/2025 2 A A A A A A     B B   WA Investment Refinance - Cash-out - Other   D A C A A A D A   Exempt from ATR No
XXXXXX 4000096342 XXXXXX   XXXXXX     Credit Loan Package Documentation Loan File Missing Document  Missing Document: Hazard Insurance Policy not provided   Hazard Insurance Policy for Subject Property is missing in the file.       Reviewer Comment (2025-11-05): Received Hazard Insurance Policy. Exception cleared.


Seller Comment (2025-11-05): Comment from XXXX XXXX XXXX : XXXX XXXX: please see attached
 11/05/2025     1 C A C A C A C A C A   WA Investment Refinance - Cash-out - Other   D A C A A A D A   Exempt from ATR No
XXXXXX 4000096342 XXXXXX   XXXXXX     Credit Income / Employment Income Documentation Missing Document  REO Documents are missing. - Mortgage Statement for REO Property "XXXX" is missing the file.       Reviewer Comment (2025-11-05): Received Closing Disclosure confirms the PITIA. Exception cleared.


Seller Comment (2025-11-05): Comment from XXXX XXXX XXXX:XXXX XXXX: please see attached
 11/05/2025     1 C A C A C A C A C A   WA Investment Refinance - Cash-out - Other   D A C A A A D A   Exempt from ATR No
XXXXXX 4000095845 XXXXXX   XXXXXX     Credit Title General Title Title Policy Coverage is less than Original Loan Amount. The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. Title Policy Amount of $XXXX is less than the note amount of $XXXX based on the Commitment in file.       Reviewer Comment (2025-11-04): Accepted as is.
     11/04/2025 2 B B B B B B B B B B   WA Primary Refinance - Cash-out - Other   B B B B A A A A   Exempt from ATR No
XXXXXX 4000098162 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-05-27): Meets three RA requirements.


Reviewer Comment (2026-05-27): .


Reviewer Comment (2025-11-14): Accepted as is based on meeting two RAs requirements
       1 N/A N/A A A N/A N/A     D N/A   CT Primary Refinance - Cash-out - Other   D B A A B B D A   Exempt from ATR No
XXXXXX 4000098162 XXXXXX   XXXXXX     Compliance Compliance Federal Compliance Missing Application Date Missing Initial Loan Application Testing No evidence of application date located in file.  Compliance tests were run using an application date of XXXX which is 1 months prior to consummation.  A lookback was performed to determine this application date using the following dates: XXXX, XXXX,XXXX, XXXX, XXXX, XXXX, XXXX.  Lookback testing performed up to one of the following: TRID start date, TIL/MDIA XXXX start date, RESPA XXXX start date,  TIL/MDIA XXXX start date, LOS Application Date, Broker Application Date, or six months prior to consummation. Evidence of Initial Application Date is not in file.       Reviewer Comment (2025-11-14): Accepted as is.
     11/14/2025 2 B B B B B B B B B B   CT Primary Refinance - Cash-out - Other   D B A A B B D A   Exempt from ATR No
XXXXXX 4000098162 XXXXXX   XXXXXX     Compliance Compliance Federal Compliance RESPA RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. Evidence of Initial Application Date is not in file.       Reviewer Comment (2025-11-14): Accepted as is.
     11/14/2025 2 B B B B B B B B B B   CT Primary Refinance - Cash-out - Other   D B A A B B D A   Exempt from ATR No
XXXXXX 4000098162 XXXXXX   XXXXXX     Compliance Compliance State Compliance State HPML (State HPML) Connecticut Non-Prime Home Loan (APR Exceeds Non-Prime Threshold) XXXX: APR on subject loan of XXXX% is equal to or greater than the threshold of APOR XXXX% + XXXX%, or XXXX%.  Non-Compliant Loan.  (Note: HELOC may be exempt from Non-Prime status if none of the proceeds used at closing were for the purchase of the borrower's primary residence). Connecticut Non-Prime Home Loan: APR on subject loan of XXXX% is equal to or greater than the threshold of APOR XXXX% + XXXX%, or XXXX%. Non-Compliant Loan.       Reviewer Comment (2025-11-14): Accepted as is.
     11/14/2025 2 B B B B B B B B B B   CT Primary Refinance - Cash-out - Other "Within 90 days of closing, and prior to the commencement of any action against a lender, the borrower is notified of the violation and the lender makes appropriate restitution by either:
(a) making the nonprime home loan comply with the applicable provisions of the law; or
(b) changing the terms of the mortgage in a manner beneficial to the borrower so that the mortgage will no longer be considered a nonprime home loan;

Provide: Letter of Explanation and either:  For option (a), proof of cure for each of the prohibited practice violations noted; or For option (b), a copy of refund check and proof of mailing.

OR

(Narrow Defense - CHD Approval Required)  The lender is able to show by a preponderance of evidence (no timeframe noted) that the compliance failure was not intentional and resulted from a bona fide error notwithstanding the maintenance of procedures reasonably adapted to avoid such errors.  Provide:  (1) Lender Attestation to AMC attesting (i) the failure was not intentional and was a bona fide error notwithstanding procedures in place to prevent such loans from being made and (ii) the lender has not received any notice from borrower of the failure; (2) refund of amount over the Non-Prime Home Loan  threshold maximum; and (3) proof of delivery.

OR

The lender and borrower otherwise reach a mutual agreement on an appropriate remedy or curative action."		 D B A A B B D A   Exempt from ATR Yes
XXXXXX 4000098162 XXXXXX   XXXXXX     Compliance Compliance State Compliance State HPML (State HPML Disclosure) Connecticut Non-Prime Home Loan (Counseling Notice Not Provided Timely) Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. Evidence of Initial Application Date is not in file.       Reviewer Comment (2025-11-14): Accepted as is.
     11/14/2025 2 B B B B B B B B B B   CT Primary Refinance - Cash-out - Other See any available cure under the Connecticut Non-Prime Home Loan threshold exception. D B A A B B D A   Exempt from ATR No
XXXXXX 4000097903 XXXXXX   XXXXXX     Credit Insurance Insurance Analysis Insurance Insufficient Coverage: Hazard insurance coverage amount is insufficient.   Coverage is insufficient by $XXXX.  Coverage should be sufficient to cover UPB of 1st and 2nd liens per guides.       Reviewer Comment (2025-11-08): Received, Clearing.


Seller Comment (2025-11-07): Comment from XXXX XXXX XXXX DBA XXXX: HAZARD INSURANCE IS XXXX  / BOTH LOANS ADD UP TO BE XXXX// SITE VALUE IS XXXX  - SEE HIGHLIGHT ON PAGE 1/5 OTHER COVERAGE A - IS ADDITIONAL UP TO XXXX%
 11/08/2025     1 C A C A C A C A C A   FL Primary Refinance - Cash-out - Other   C A C A A A A A   Exempt from ATR No
XXXXXX 4000097680 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-06-01): Clearing.


Reviewer Comment (2026-06-01): .


Reviewer Comment (2025-11-06): Accepted as is.
 06/01/2026     1 A A A A A A   A B A   CA Primary Refinance - Cash-out - Other   D B B B A A D A   Exempt from ATR No
XXXXXX 4000097680 XXXXXX   XXXXXX     Property Appraisal Reconciliation Appraisal Documentation Appraisal Reconciliation Appraisal from prior transaction provided. No secondary valuation with effective date less than 3 months past note date provided. Sec ID: 156 Note Date:  ___; Lien Position: ___         Reviewer Comment (2025-11-06): Accepted as is based on meeting three RAs requirements
       1 N/A N/A A A N/A N/A     D     CA Primary Refinance - Cash-out - Other   D B B B A A D A   Exempt from ATR No
XXXXXX 4000097680 XXXXXX   XXXXXX     Credit Title Document Error Title The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided.   The Preliminary title policy amount is not reflected on the Title Policy.
California loan and document does not reflect the insured amount.		       Reviewer Comment (2025-11-06): Accepted as is.
     11/06/2025 2 B B B B B B B B B B   CA Primary Refinance - Cash-out - Other   D B B B A A D A   Exempt from ATR No
XXXXXX 4000098998 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2025-11-07): Accepted as is based on meeting two RAs requirements
       1 N/A N/A A A N/A N/A     D N/A   FL Investment Refinance - Cash-out - Other   D A A A A A D A   Exempt from ATR No
XXXXXX 4000097778 XXXXXX   XXXXXX     Credit Loan Package Documentation Application / Processing Loan Package Documentation Missing Document: Missing Final 1003   Missing final 1003 document.       Reviewer Comment (2025-11-08): Received, Clearing.


Seller Comment (2025-11-07): Comment from XXXX XXXX XXXX: FINAL 1003
 11/08/2025     1 C A C A C A C A C A   IL Primary Refinance - Cash-out - Other   C B C A B B A A   Exempt from ATR No
XXXXXX 4000097778 XXXXXX   XXXXXX     Credit Loan Package Documentation Closing / Title Loan Package Documentation Missing Document: Rider - Condo not provided   Condo rider not provided       Reviewer Comment (2025-11-08): Received, Clearing.


Seller Comment (2025-11-07): Comment from XXXX XXXX XXXX : MORTGAGE WITH CONDO RIDER
 11/08/2025     1 C A C A C A C A C A   IL Primary Refinance - Cash-out - Other   C B C A B B A A   Exempt from ATR No
XXXXXX 4000097778 XXXXXX   XXXXXX     Compliance Compliance Federal Compliance ECOA ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation.       Reviewer Comment (2025-11-06): Accepted as is.
     11/06/2025 2 B B B B B B B B B B   IL Primary Refinance - Cash-out - Other   C B C A B B A A   Exempt from ATR No
XXXXXX 4000100815 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2025-11-07): Accepted as is based on meeting three RAs requirements
       1 N/A N/A A A N/A N/A     D     CA Investment Refinance - Cash-out - Other   D B B B A A D A   Exempt from ATR No
XXXXXX 4000100815 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2025-11-07): Accepted as is.
     11/07/2025 2 A A A A A A     B B   CA Investment Refinance - Cash-out - Other   D B B B A A D A   Exempt from ATR No
XXXXXX 4000100815 XXXXXX   XXXXXX     Credit Title Document Error Title The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided.   California loan and Preliminary title policy reflects the loan amount and not the insured amount.       Reviewer Comment (2025-11-07): Accepted as is.
     11/07/2025 2 B B B B B B B B B B   CA Investment Refinance - Cash-out - Other   D B B B A A D A   Exempt from ATR No
XXXXXX 4000098523 XXXXXX   XXXXXX     Credit Title General Title Title Policy Coverage is less than Original Loan Amount. The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. The Title Policy Amount of $XXXX is less than the note amount of $XXXX based on the Commitment in file.       Reviewer Comment (2025-11-11): Client elects to waive
     11/11/2025 2 B B B B B B B B B B   NY Investment Refinance - Cash-out - Other   B B B B A A B B   Exempt from ATR No
XXXXXX 4000098523 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2025-11-11): Client elects to waive
     11/11/2025 2 A A A A A A     B B   NY Investment Refinance - Cash-out - Other   B B B B A A B B   Exempt from ATR No
XXXXXX 4000100512 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___ Secondary valuation not required in Heloc Second lien file .       Reviewer Comment (2025-11-12): Accepted as is.
     11/12/2025 2 A A A A A A     B B   CA Primary Refinance - Cash-out - Other   D A A A C A D A   Exempt from ATR No
XXXXXX 4000100512 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___ Secondary valuation not required in Heloc Second lien file .       Reviewer Comment (2025-11-12): Accepted as is based on meeting two RAs requirements
       1 N/A N/A A A N/A N/A     D     CA Primary Refinance - Cash-out - Other   D A A A C A D A   Exempt from ATR No
XXXXXX 4000100512 XXXXXX   XXXXXX     Compliance Compliance Federal Compliance TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act:  Subject loan transaction disbursed on XXXX, prior to three (3) business days from transaction date of XXXX Truth in Lending Act: Subject loan transaction disbursed on XXXX, prior to three (3) business days from transaction date of XXXX.       Reviewer Comment (2025-11-14): Clearing after re-review.


Buyer Comment (2025-11-13): Comment from XXXX XXXX XXXX: XXXX XXXX: Transaction date is XXXX, can you please clarify the docID reflecting XXXX  so I can better assist?
 11/14/2025     1 C A C A C A C A C A   CA Primary Refinance - Cash-out - Other TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form D A A A C A D A   Exempt from ATR Yes
XXXXXX 4000100512 XXXXXX   XXXXXX     Compliance Compliance Federal Compliance TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date Truth in Lending Act:  Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s).       Reviewer Comment (2025-11-14): Clearing after re-review.


Buyer Comment (2025-11-13): Comment from XXXX XXXX XXXX: XXXX XXXX : Transaction date is XXXX, can you please clarify the docID reflecting XXXXso I can better assist?
 11/14/2025     1 C A C A C A C A C A   CA Primary Refinance - Cash-out - Other TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form D A A A C A D A   Exempt from ATR Yes
XXXXXX 4000096837 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2025-11-13): Accepted as is.
     11/13/2025 2 A A A A A A     B B   SC Primary Refinance - Cash-out - Other   D A A A A A D A   Exempt from ATR No
XXXXXX 4000096837 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___ Loan is to be securitized. AVM was provided, with no CU or LCA.       Reviewer Comment (2025-11-13): Accepted as is based on meeting three RAs requirements.
       1 N/A N/A A A N/A N/A     D     SC Primary Refinance - Cash-out - Other   D A A A A A D A   Exempt from ATR No
XXXXXX 4000099557 XXXXXX   XXXXXX     Credit Loan Package Documentation Application / Processing Loan Package Documentation Missing Document: Missing Final 1003   Missing Final 1003       Reviewer Comment (2025-11-20): Received Final 1003. Exception cleared.


Seller Comment (2025-11-20): Comment from XXXX (XXXX): FINAL 1003
 11/20/2025     1 C A C A C A C A C A   NY Primary Refinance - Cash-out - Other   C A C A A A B A   Exempt from ATR No
XXXXXX 4000099557 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2025-11-19): Accepted as is based on meeting three RAs requirements.
       1 N/A N/A A A N/A N/A       N/A   NY Primary Refinance - Cash-out - Other   C A C A A A B A   Exempt from ATR No
XXXXXX 4000099557 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2025-11-20): Accepted as is.
     11/20/2025 2 A A A A A A     B B   NY Primary Refinance - Cash-out - Other   C A C A A A B A   Exempt from ATR No
XXXXXX 4000099557 XXXXXX   XXXXXX     Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Guideline Requirement: Investor qualifying total debt ratio discrepancy.   Verified first mortgage P&I $XXXX, Taxes $XXXX, Insurance $XXXX, Subject qualifying P&I $XXXX. Total expenses $XXXX, however 1008 total expenses are $XXXX       Reviewer Comment (2025-12-05): Based on updated rental calculation, DTI meets guidelines


Seller Comment (2025-12-05): Comment from XXXX (XXXX): STATEMENTS


Reviewer Comment (2025-12-04): The correct guidelines for this loan as it is a HELOC is XXXX.


Seller Comment (2025-12-03): Comment from XXXX (XXXX): PLEASE READ


Reviewer Comment (2025-12-03): Under XXXX : DTI should be recalculated based on any new debt. Actual escrow being above the escrowed amount would be new debt.


Buyer Comment (2025-12-02): Comment from XXXX (XXXX): underwriter ask where in your guidelines it states that the first mortgage payment escrow is not in the escrow to be used for the first mortgage payment


Reviewer Comment (2025-12-01): Based on the tax certificate from the county and the hazard insurance policy, the verified taxesXXXX  and insuranceXXXX  total of XXXX  is greater than the escrow payment on the mortgage statement ofXXXX  which is the variance in DTI


Seller Comment (2025-12-01): Comment from XXXX (XXXX): statement


Reviewer Comment (2025-11-26): The statements don't show the escrow analysis to see how they are coming up with T&I XXXX less than actual bills.


Seller Comment (2025-11-26): Comment from XXXX (XXXX): MORTGAGE STATEMENT


Reviewer Comment (2025-11-26): Please provide the mortgage escrow analysis as $300 doesn't cover the variance from the actual bills vs the T&I being collected.


Seller Comment (2025-11-25): Comment from XXXX (XXXX): please read email from underwriters


Reviewer Comment (2025-11-25): The variation here is in the escrow being collected on the first lien isn't sufficient and will result in a escrow shortage. We have T&I at XXXX


Seller Comment (2025-11-25): Comment from XXXX (XXXX): MORTGAGE STATEMENT


Reviewer Comment (2025-11-24): Mortgage statement was not provided only the credit report that we had prior.


Seller Comment (2025-11-24): Comment from XXXX (XXXX): MORTGAGE STATEMDENT AND CREDIT REPORT
 12/05/2025     1 C A C A C A C A C A   NY Primary Refinance - Cash-out - Other   C A C A A A B A   Exempt from ATR No
XXXXXX 4000097725 XXXXXX   XXXXXX     Credit Title Document Error Title The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided.           Reviewer Comment (2025-11-20): Accepted as is.
     11/20/2025 2 B B B B B B B B B B   CA Investment Refinance - Cash-out - Other   B B B B A A A A   Exempt from ATR No
XXXXXX 4000098852 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2025-11-20): Accepted as is based on meeting three RAs requirements
       1 N/A N/A A A N/A N/A           OR Primary Refinance - Cash-out - Other   B A A A A A B A   Exempt from ATR No
XXXXXX 4000098852 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2025-11-20): Client elects to waive
     11/20/2025 2 A A A A A A     B B   OR Primary Refinance - Cash-out - Other   B A A A A A B A   Exempt from ATR No
XXXXXX 4000099737 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2025-11-21): Accepted as is based on meeting three RAs requirements
       1 N/A N/A A A N/A N/A       N/A   NJ Primary Refinance - Cash-out - Other   C A C A A A B A   Exempt from ATR No
XXXXXX 4000099737 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2025-11-21): Accepted as is.
     11/21/2025 2 A A A A A A     B B   NJ Primary Refinance - Cash-out - Other   C A C A A A B A   Exempt from ATR No
XXXXXX 4000099737 XXXXXX   XXXXXX     Credit Income / Employment Income Documentation Income / Employment Income Docs Missing: - Per Guidelines, Post closing VVOE will not be accepted. VOE is dated XXXX and the Note date is XXXX.       Reviewer Comment (2025-12-13): Received, Clearing.


Buyer Comment (2025-12-12): Comment from XXXX (XXXX): A re-verification of employment was completed during the recession period and the borrower still works there. The VOE is a work number verification. Your guideline states within 10 calendar days it does not say before closing date.


Reviewer Comment (2025-11-25): Per guidelines:
- Verbal Verification of Employment (VVOE) must be obtained within ten (10) business days prior to the Note Date
and within one hundred twenty (XXXX ) calendar days prior to the Note Date for self-employment income
- Post closing VVOE will not be accepted


Buyer Comment (2025-11-25): Comment from XXXX (XXXX): THE VERBAL VOE WAS DONE WITHIN 10 OF FUNDING PLEASE WAIVE THIS CONDTION
 12/13/2025     1 C A C A C A C A C A   NJ Primary Refinance - Cash-out - Other   C A C A A A B A   Exempt from ATR No
XXXXXX 4000099512 XXXXXX   XXXXXX     Credit Loan Package Documentation Closing / Title Missing Document  Missing Document: Security Instrument - Subject Lien not provided           Reviewer Comment (2025-12-09): Received, Clearing.


Reviewer Comment (2025-12-02): Security Instrument not provided.  Exception remains.


Buyer Comment (2025-12-02): Comment from XXXX (XXXX): DOT submitted on first condition
 12/09/2025     1 D A D A D A D A D A   CA Primary Refinance - Cash-out - Other   D B D A C B D A   Exempt from ATR No
XXXXXX 4000099512 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2025-11-24): Accepted as is.
     11/24/2025 2 A A A A A A     B B   CA Primary Refinance - Cash-out - Other   D B D A C B D A   Exempt from ATR No
XXXXXX 4000099512 XXXXXX   XXXXXX     Compliance Compliance Federal Compliance TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form Right of Rescission Timing - Note Date used as Transaction Date Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements         Reviewer Comment (2025-11-24): Accepted as is.
     11/24/2025 2 B B B B B B B B B B   CA Primary Refinance - Cash-out - Other   D B D A C B D A   Exempt from ATR No
XXXXXX 4000099512 XXXXXX   XXXXXX     Compliance Compliance Federal Compliance TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act:  Subject loan transaction disbursed on XXXX, prior to three (3) business days from transaction date of XXXX.         Reviewer Comment (2025-12-02): Final Settlement Statement provided. Cleared.


Seller Comment (2025-12-02): Comment from XXXX (XXXX): FSS
 12/02/2025     1 C A C A C A C A C A   CA Primary Refinance - Cash-out - Other TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form D B D A C B D A   Exempt from ATR Yes
XXXXXX 4000099512 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided. The provided CU and/or LCA do not provide relief. Sec ID: 138           Reviewer Comment (2025-11-28): Clearing for updated.
 11/28/2025     1 D A A A D A   A D A   CA Primary Refinance - Cash-out - Other   D B D A C B D A   Exempt from ATR No
XXXXXX 4000099512 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2025-11-28): Accepted as is based on meeting three RAs requirements.
       1   N/A   A   N/A       N/A   CA Primary Refinance - Cash-out - Other   D B D A C B D A   Exempt from ATR No
XXXXXX 4000103437 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 180 Note Date:  ___; Lien Position: ___         Reviewer Comment (2025-11-24): Accepted as is based on meeting three RAs requirements
       3 N/A N/A A A N/A N/A     D D   WI Investment Refinance - Cash-out - Other   D D C A B B D D   Exempt from ATR No
XXXXXX 4000103437 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 372 Note Date:  ___; Lien Position: ___         Reviewer Comment (2025-11-24): Accepted as is.
     11/24/2025 2 B B A A A A     A A   WI Investment Refinance - Cash-out - Other   D D C A B B D D   Exempt from ATR No
XXXXXX 4000103437 XXXXXX   XXXXXX     Compliance Compliance Federal Compliance ECOA ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation.         Reviewer Comment (2025-11-24): Accepted as is.
     11/24/2025 2 B B B B B B B B B B   WI Investment Refinance - Cash-out - Other   D D C A B B D D   Exempt from ATR No
XXXXXX 4000103437 XXXXXX   XXXXXX     Credit Credit Miscellaneous Guideline Credit Exception:   Rate lock documentation received is post-closing.       Reviewer Comment (2025-12-05): Received, Clearing.


Seller Comment (2025-12-04): Comment from XXXX (XXXX): The initial lock rate date was XXXX. It was initially locked with XXXX and later reallocated to XXXX on XXXX


Reviewer Comment (2025-12-03): The document received doesn't have the initial rate lock date and appears to be post-closing document.


Seller Comment (2025-12-02): Comment from XXXX (XXXX): Please see rate sheet


Reviewer Comment (2025-12-01): Please provide initial rate lock.  Exception remains.


Buyer Comment (2025-12-01): Comment from XXXX (XXXX): Please clarify what is required to clear this condition
 12/05/2025     1 C A C A C A C A C A   WI Investment Refinance - Cash-out - Other   D D C A B B D D   Exempt from ATR No
XXXXXX 4000098437 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___ AVM provided       Reviewer Comment (2025-11-25): Accepted as is based on meeting two RAs requirements
       1 N/A N/A A A N/A N/A           IL Primary Refinance - Cash-out - Other   C A C A A A B A   Exempt from ATR No
XXXXXX 4000098437 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___ AVM provided in the file       Reviewer Comment (2025-11-25): Accepted as is.
     11/25/2025 2 A A A A A A     B B   IL Primary Refinance - Cash-out - Other   C A C A A A B A   Exempt from ATR No
XXXXXX 4000098437 XXXXXX   XXXXXX     Credit Loan Package Documentation Application / Processing Missing Document  Missing Document: Approval not provided   Approval is missing in the file       Reviewer Comment (2025-11-26): Received, Clearing.


Seller Comment (2025-11-26): Comment from XXXX (XXXX): APPROVAL
 11/26/2025     1 C A C A C A C A C A   IL Primary Refinance - Cash-out - Other   C A C A A A B A   Exempt from ATR No
XXXXXX 4000098437 XXXXXX   XXXXXX     Credit Income / Employment Income Documentation Missing Document  REO Documents are missing. - ___ For property XXXX Statement is missing in the file       Reviewer Comment (2025-12-02): CD received showing payment, exception cleared


Seller Comment (2025-12-02): Comment from XXXX (XXXX): cd
 12/02/2025     1 C A C A C A C A C A   IL Primary Refinance - Cash-out - Other   C A C A A A B A   Exempt from ATR No
XXXXXX 4000101732 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2025-12-01): Accepted as is based on meeting two RAs requirements
       1 N/A N/A A A N/A N/A       N/A   FL Primary Refinance - Cash-out - Other   B A A A A A B A   Exempt from ATR No
XXXXXX 4000101732 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2025-12-01): Client elects to waive
     12/01/2025 2 A A A A A A     B B   FL Primary Refinance - Cash-out - Other   B A A A A A B A   Exempt from ATR No
XXXXXX 4000101227 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2025-12-01): Accepted as is based on meeting more than three RAs requirements
       1 N/A N/A A A N/A N/A       N/A   CO Primary Refinance - Cash-out - Other   B A A A A A B A   Exempt from ATR No
XXXXXX 4000101227 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2025-12-01): Client elects to waive
     12/01/2025 2 A A A A A A     B B   CO Primary Refinance - Cash-out - Other   B A A A A A B A   Exempt from ATR No
XXXXXX 4000098206 XXXXXX   XXXXXX     Credit Loan Package Documentation Closing / Title Missing Document  Missing Document: Security Instrument - Subject Lien not provided   Security Instrument - Subject Lien is missing.       Reviewer Comment (2025-12-01): Security Instrument provided. Cleared.


Seller Comment (2025-12-01): Comment from XXXX  (XXXX): mortgage
 12/01/2025     1 D A D A D A D A D A   NJ Primary Refinance - Cash-out - Other   D A D A A A B A   Exempt from ATR No
XXXXXX 4000098206 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-02-04): Client elects to waive


Reviewer Comment (2026-02-04): reopened


Reviewer Comment (2025-12-01): Accepted as is based on meeting more than three RAs requirements


Seller Comment (2025-12-01): Comment fromXXXX  (XXXX): AVM & PCI
     02/04/2026 2 A A A A A A     B B   NJ Primary Refinance - Cash-out - Other   D A D A A A B A   Exempt from ATR No
XXXXXX 4000098206 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2025-12-01): Accepted as is based on meeting three RAs requirements.
       1 N/A N/A A A N/A N/A       N/A   NJ Primary Refinance - Cash-out - Other   D A D A A A B A   Exempt from ATR No
XXXXXX 4000098206 XXXXXX   XXXXXX     Compliance Compliance Federal Compliance TILA Truth in Lending Act (HELOC): Fee amounts for testing were sourced from one or more fee documents in file containing higher amounts than that reflected on HELOC Agreement. Truth in Lending Act (HELOC): Fee amounts were sourced from multiple disclosures containing higher amounts than that reflected on HELOC Agreement. Fee amounts were sourced from multiple disclosures containing higher amounts than that reflected on HELOC Agreement. Prepaid Interest of $XXXX is not reflected on the HELOC Agreement.       Reviewer Comment (2025-12-01): Accepted as is per client
     12/01/2025 2 A A A A A A A A A A   NJ Primary Refinance - Cash-out - Other   D A D A A A B A   Exempt from ATR No
XXXXXX 4000102395 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2025-12-02): Accepted as is based on meeting three RAs requirements.
       1 N/A N/A A A N/A N/A       N/A   SC Primary Refinance - Cash-out - Other   B A A A A A B A   Exempt from ATR No
XXXXXX 4000102395 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2025-12-02): Client elects to waive
     12/02/2025 2 A A A A A A     B B   SC Primary Refinance - Cash-out - Other   B A A A A A B A   Exempt from ATR No
XXXXXX 4000102393 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2025-12-03): Accepted as is based on meeting three RAs requirements.
       1 N/A N/A A A N/A N/A       N/A   AK Investment Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000101843 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___ AVM in file is dated XXXX. The Application date is XXXX. The Note date XXXX.       Reviewer Comment (2025-12-03): Accepted as is.


Seller Comment (2025-12-03): Comment from XXXX (XXXX): avm
     12/03/2025 2 A A A A A A     B B   PA Primary Refinance - Cash-out - Other   B A A A A A B A   Exempt from ATR No
XXXXXX 4000101843 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___ XXXX AVM in file. CU or LCA not provided.       Reviewer Comment (2025-12-03): Accepted as is based on meeting two RAs requirements
       1 N/A N/A A A N/A N/A       N/A   PA Primary Refinance - Cash-out - Other   B A A A A A B A   Exempt from ATR No
XXXXXX 4000101933 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2025-12-03): Accepted as is based on meeting three RAs requirements.
       1 N/A N/A A A N/A N/A       N/A   CO Primary Refinance - Cash-out - Other   B A A A A A B A   Exempt from ATR No
XXXXXX 4000101933 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2025-12-03): Accepted as is.
     12/03/2025 2 A A A A A A     B B   CO Primary Refinance - Cash-out - Other   B A A A A A B A   Exempt from ATR No
XXXXXX 4000101402 XXXXXX   XXXXXX     Credit Credit Credit Documentation Credit No evidence of fraud report in file -         Reviewer Comment (2025-12-03): Received Fraud Report. Exception cleared.


Seller Comment (2025-12-03): Comment from XXXX (XXXX): Please see attached.
 12/03/2025     1 C A C A C A C A C A   CA Primary Refinance - Cash-out - Other   C A C A A A B A   Exempt from ATR No
XXXXXX 4000101402 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2025-12-03): Accepted as is.
     12/03/2025 2 A A A A A A     B B   CA Primary Refinance - Cash-out - Other   C A C A A A B A   Exempt from ATR No
XXXXXX 4000101402 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2025-12-03): Accepted as is based on meeting two RAs requirements
       1 N/A N/A A A N/A N/A       N/A   CA Primary Refinance - Cash-out - Other   C A C A A A B A   Exempt from ATR No
XXXXXX 4000101631 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2025-12-03): Accepted as is based on meeting two RAs requirements
       1 N/A N/A A A N/A N/A       N/A   IN Primary Refinance - Cash-out - Other   B A A A A A B A   Exempt from ATR No
XXXXXX 4000101631 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2025-12-03): Accepted as is.
     12/03/2025 2 A A A A A A     B B   IN Primary Refinance - Cash-out - Other   B A A A A A B A   Exempt from ATR No
XXXXXX 4000100538 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2025-12-03): Accepted as is.
     12/03/2025 2 A A A A A A     B B   MD Investment Refinance - Cash-out - Other   B A A A A A B A   Exempt from ATR No
XXXXXX 4000100538 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2025-12-03): Accepted as is based on meeting two RAs requirements
       1 N/A N/A A A N/A N/A       N/A   MD Investment Refinance - Cash-out - Other   B A A A A A B A   Exempt from ATR No
XXXXXX 4000099308 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___ XXXX Appraisal dated XXXX in file. CU or LCA not provided.       Reviewer Comment (2025-12-04): Accepted as is based on meeting three RAs requirements.
       1 N/A N/A A A N/A N/A       N/A   OR Primary Refinance - Cash-out - Other   B A A A A A B A   Exempt from ATR No
XXXXXX 4000099308 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___ Appraisal is dated XXXX. The Application date is XXXX. The Note date is XXXX.       Reviewer Comment (2025-12-04): Accepted as is.
     12/04/2025 2 A A A A A A     B B   OR Primary Refinance - Cash-out - Other   B A A A A A B A   Exempt from ATR No
XXXXXX 4000099060 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___ XXXX AVM in file. CU or LCA not provided.       Reviewer Comment (2025-12-04): Accepted as is based on meeting three RAs requirements
       1 N/A N/A A A N/A N/A       N/A   SC Primary Refinance - Cash-out - Other   B A A A A A B A   Exempt from ATR No
XXXXXX 4000099060 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___ XXXX AVM is dated XXXX. The Application date is XXXX. The Note date is XXXX.       Reviewer Comment (2025-12-04): Accepted as is.
     12/04/2025 2 A A A A A A     B B   SC Primary Refinance - Cash-out - Other   B A A A A A B A   Exempt from ATR No
XXXXXX 4000102743 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___ The AVM Appraisal date is XXXX. The Application date is XXXX. The Note date is XXXX.       Reviewer Comment (2025-12-05): Accepted as is.
     12/05/2025 2 A A A A A A     B B   OR Investment Refinance - Cash-out - Other   C A C A A A B A   Exempt from ATR No
XXXXXX 4000102743 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___ XXXX AVM dated XXXX in file. CU or LCA not provided.       Reviewer Comment (2025-12-05): Accepted as is based on meeting three RAs requirements
       1 N/A N/A A A N/A N/A       N/A   OR Investment Refinance - Cash-out - Other   C A C A A A B A   Exempt from ATR No
XXXXXX 4000102743 XXXXXX   XXXXXX     Credit Loan Package Documentation Application / Processing Loan Package Documentation Missing Document: Business Purpose Certificate not provided   Business Purpose Certificate is missing.       Reviewer Comment (2025-12-10): Business Purpose Certificate associated. Exception cleared.


Buyer Comment (2025-12-09): Comment from XXXX (XXXX): Please test as consumer purpose
 12/10/2025     1 C A C A C A C A C A   OR Investment Refinance - Cash-out - Other   C A C A A A B A   Exempt from ATR No
XXXXXX 4000102948 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2025-12-05): Accepted as is based on meeting three RAs requirements.
       1 N/A N/A A A N/A N/A       N/A   CO Investment Refinance - Cash-out - Other   B A A A A A B A   Exempt from ATR No
XXXXXX 4000102948 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2025-12-05): Accepted as is.
     12/05/2025 2 A A A A A A     B B   CO Investment Refinance - Cash-out - Other   B A A A A A B A   Exempt from ATR No
XXXXXX 4000102394 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2025-12-05): Accepted as is.
     12/05/2025 2 A A A A A A     B B   VA Primary Refinance - Cash-out - Other   B A A A A A B A   Exempt from ATR No
XXXXXX 4000102394 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2025-12-05): Accepted as is based on meeting more than three RAs requirements
       1 N/A N/A A A N/A N/A       N/A   VA Primary Refinance - Cash-out - Other   B A A A A A B A   Exempt from ATR No
XXXXXX 4000102525 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___ XXXX AVM dated XXXX. CU or LCA not provided.       Reviewer Comment (2025-12-05): Accepted as is based on meeting more than three RAs requirements
       1 N/A N/A A A N/A N/A       N/A   CA Primary Refinance - Cash-out - Other   B A A A A A B A   Exempt from ATR No
XXXXXX 4000102525 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___ XXXX AVM dated XXXX.  The Application date XXXX. The Note date is XXXX.       Reviewer Comment (2025-12-05): Accepted as is.
     12/05/2025 2 A A A A A A     B B   CA Primary Refinance - Cash-out - Other   B A A A A A B A   Exempt from ATR No
XXXXXX 4000101041 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___ Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date       Reviewer Comment (2025-12-09): Accepted as is.
     12/09/2025 2 A A A A A A     B B   CA Primary Refinance - Cash-out - Other   B B A A A A B B   Exempt from ATR No
XXXXXX 4000101041 XXXXXX   XXXXXX     Property Appraisal Reconciliation Appraisal Documentation Appraisal Reconciliation Appraisal from prior transaction provided. No secondary valuation with effective date less than 3 months past note date provided. Sec ID: 156 Note Date:  ___; Lien Position: ___ Appraisal from prior transaction provided. Recert of value in the loan file.       Reviewer Comment (2025-12-09): Accepted as is based on meeting two RAs requirements
       1 N/A N/A A A N/A N/A           CA Primary Refinance - Cash-out - Other   B B A A A A B B   Exempt from ATR No
XXXXXX 4000099924 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2025-12-09): Accepted as is.
     12/09/2025 2 A A A A A A     B B   CA Primary Refinance - Cash-out - Other   B B A A A A B B   Exempt from ATR No
XXXXXX 4000100764 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. No eligible valuation was provided. Sec ID: 179 Note Date:  ___; Lien Position: ___         Reviewer Comment (2025-12-16): Clearing after re-review.


Buyer Comment (2025-12-16): Comment from XXXX  (XXXX): HELOCs do not require a secondary valuation product. If a secondary valuation is delivered with the loan file and
it comes back outside of tolerance, the seller will need to follow the waterfall appraisal valuation as shown
below:
- Loan file contains a CU score or LCA >XXXX , seller will need to provide either an AVM or desk review
- Loan file contains an AVM with a XXXX % variance of the appraised value, the seller will need to deliver a
desk review
- Loan file contains a Desk review >XXXX  variance of the appraised value, the seller will need to provide a
field review
 12/16/2025     1 D A D A D A   A D A   MD Investment Refinance - Cash-out - Other   D B A A A A D B   Exempt from ATR No
XXXXXX 4000100764 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 372 Note Date:  ___; Lien Position: ___         Reviewer Comment (2025-12-09): Accepted as is.
     12/09/2025 2 B B A A A A     A A   MD Investment Refinance - Cash-out - Other   D B A A A A D B   Exempt from ATR No
XXXXXX 4000102832 XXXXXX   XXXXXX     Compliance Compliance Federal Compliance TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act:  Subject loan transaction disbursed on XXXX, prior to three (3) business days from transaction date of XXXX. Subject loan transaction disbursed on XXXX, prior to three (3) business days from transaction date of XXXX.       Reviewer Comment (2025-12-22): Received, Clearing.


Seller Comment (2025-12-22): Comment from XXXX (XXXX): LI XXXX  Please see attached HELOC Disclosure that was sent to the borrower on XXXX  with the corrected Disbursement Date


Reviewer Comment (2025-12-10): Please provide CD/HUD reflecting the disbursement date asXXXX


Buyer Comment (2025-12-10): Comment from XXXX (XXXX): LIXXXX Disagree. The borrower closed onXXXX  and the midnight date is XXXX  and the loan disbursed XXXX .
 12/22/2025     1 C A C A C A C A C A   CA Primary Refinance - Cash-out - Other TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C A A A C A A A   Exempt from ATR Yes
XXXXXX 4000103567 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2025-12-09): Accepted as is based on meeting two RAs requirements
       1 N/A N/A A A N/A N/A       N/A   NC Investment Refinance - Cash-out - Other   B A A A A A B A   Exempt from ATR No
XXXXXX 4000103567 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2025-12-09): Accepted as is.
     12/09/2025 2 A A A A A A     B B   NC Investment Refinance - Cash-out - Other   B A A A A A B A   Exempt from ATR No
XXXXXX 4000101738 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2025-12-09): Accepted as is.
     12/09/2025 2 A A A A A A     B B   MS Primary Refinance - Cash-out - Other   B A A A A A B A   Exempt from ATR No
XXXXXX 4000101738 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2025-12-09): Accepted as is based on meeting three RAs requirements.
       1 N/A N/A A A N/A N/A       N/A   MS Primary Refinance - Cash-out - Other   B A A A A A B A   Exempt from ATR No
XXXXXX 4000102731 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2025-12-09): Accepted as is based on meeting three RAs requirements
       1 N/A N/A A A N/A N/A       N/A   PA Primary Refinance - Cash-out - Other   B A A A A A B A   Exempt from ATR No
XXXXXX 4000102731 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2025-12-09): Accepted as is.
     12/09/2025 2 A A A A A A     B B   PA Primary Refinance - Cash-out - Other   B A A A A A B A   Exempt from ATR No
XXXXXX 4000102513 XXXXXX   XXXXXX     Compliance Compliance Federal Compliance TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act:  Subject loan transaction disbursed on XXXX, prior to three (3) business days from transaction date of XXXX. Subject loan transaction disbursed on XXXX, prior to three (3) business days from transaction date of XXXX.       Reviewer Comment (2025-12-22): Received, Clearing.


Seller Comment (2025-12-19): Comment fromXXXX  (XXXX): FSS
 12/22/2025     1 C A C A C A C A C A   PA Primary Refinance - Cash-out - Other TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C A A A C A A A   Exempt from ATR Yes
XXXXXX 4000101845 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-06-02): Accepted as is.


Reviewer Comment (2026-06-01): .


Reviewer Comment (2025-12-10): Accepted as is based on meeting three RAs requirements
     06/02/2026 1 N/A N/A A A N/A N/A       N/A   NJ Primary Refinance - Cash-out - Other   B A A A A A B A   Exempt from ATR No
XXXXXX 4000101845 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2025-12-10): Accepted as is.
     12/10/2025 2 A A A A A A     B B   NJ Primary Refinance - Cash-out - Other   B A A A A A B A   Exempt from ATR No
XXXXXX 4000104102 XXXXXX   XXXXXX     Credit Loan Package Documentation Application / Processing Loan Package Documentation FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected.   Property is located in a FEMA Disaster area and has not been inspected.       Reviewer Comment (2026-01-06): Received Property Inspection Report. Exception cleared.


Seller Comment (2026-01-06): Comment from XXXX  (XXXX): 1/6 SW - PDI attached
 01/06/2026     1 C A C A C A C A C A   CA Investment Refinance - Cash-out - Other   C A C A A A B A   Exempt from ATR No
XXXXXX 4000104102 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___ Loan is to be securitized. One valuation was provided, with no CU or LCA.       Reviewer Comment (2025-12-09): Accepted as is based on meeting three RAs requirements.
       1 N/A N/A A A N/A N/A       N/A   CA Investment Refinance - Cash-out - Other   C A C A A A B A   Exempt from ATR No
XXXXXX 4000104102 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___ Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date.       Reviewer Comment (2025-12-09): Accepted as is.
     12/09/2025 2 A A A A A A     B B   CA Investment Refinance - Cash-out - Other   C A C A A A B A   Exempt from ATR No
XXXXXX 4000098447 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2025-12-10): Accepted as is.
     12/10/2025 2 A A A A A A     B B   NC Primary Refinance - Cash-out - Other   B A A A A A B A   Exempt from ATR No
XXXXXX 4000098447 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2025-12-10): Accepted as is based on meeting two RAs requirements
       1 N/A N/A A A N/A N/A       N/A   NC Primary Refinance - Cash-out - Other   B A A A A A B A   Exempt from ATR No
XXXXXX 4000102217 XXXXXX   XXXXXX     Compliance Compliance Federal Compliance ECOA ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation.         Reviewer Comment (2025-12-10): Accepted as is.
     12/10/2025 2 B B B B B B B B B B   FL Primary Refinance - Cash-out - Other   D D A A B B D D   Exempt from ATR No
XXXXXX 4000102217 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 372 Note Date:  ___; Lien Position: ___         Reviewer Comment (2025-12-10): Accepted as is.
     12/10/2025 2 B B A A A A     A A   FL Primary Refinance - Cash-out - Other   D D A A B B D D   Exempt from ATR No
XXXXXX 4000102217 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 180 Note Date:  ___; Lien Position: ___         Reviewer Comment (2025-12-10): Accepted as is based on meeting two RAs requirements
       3 N/A N/A A A N/A N/A     D D   FL Primary Refinance - Cash-out - Other   D D A A B B D D   Exempt from ATR No
XXXXXX 4000101482 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2025-12-10): Accepted as is.
     12/10/2025 2 A A A A A A     B B   FL Second Home Refinance - Cash-out - Other   C A C A A A B A   Exempt from ATR No
XXXXXX 4000101482 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2025-12-10): Accepted as is based on meeting three RAs requirements.
       1 N/A N/A A A N/A N/A       N/A   FL Second Home Refinance - Cash-out - Other   C A C A A A B A   Exempt from ATR No
XXXXXX 4000101482 XXXXXX   XXXXXX     Credit Insurance Insurance Analysis Insurance Insufficient Coverage: Hazard insurance coverage amount is insufficient.   File did not contain an estimated cost to replace from insurer.  Calculations are based on XXXX% of the insurable value of the improvements (from appraiser cost provided or if no appraiser cost the purchase price) using agency calculation methods.  Coverage is insufficient by $XXXX.       Reviewer Comment (2025-12-17): Received, Clearing.


Seller Comment (2025-12-17): Comment from XXXX (XXXX): see email


Reviewer Comment (2025-12-12): The appraisal does not provide an estimate of cost new. Calculations are based on XXXX of the insurable value of the improvements or XXXX . Hazard insurance does not provide an extended replacement cost (Ordinance or Law limit is not used). Insurance coverage is insufficient by XXXX


Seller Comment (2025-12-12): Comment from XXXX (XXXX): highlighted coverage amounts. // appraisal amount ofXXXX  less site value of XXXX =XXXX  (other coverages is addtlXXXX  add on of cov a) - insurance policy isXXXX plus the XXXX  addtl coverage of of cov A listed under other coverages
 12/17/2025     1 C A C A C A C A C A   FL Second Home Refinance - Cash-out - Other   C A C A A A B A   Exempt from ATR No
XXXXXX 4000101482 XXXXXX   XXXXXX     Credit Credit Miscellaneous Guideline Credit Exception:   There is a variance in term (359) and amortization term (360).       Reviewer Comment (2025-12-12): Term is XXXX months based on a first payment date of XXXX


Seller Comment (2025-12-12): Comment from XXXX (XXXX): what doc shows 359? the HELOC NOTE shows 60 months draw / 60 months IO / 240 months repay for total of 360 - (see notated agreement)
 12/12/2025     1 C A C A C A C A C A   FL Second Home Refinance - Cash-out - Other   C A C A A A B A   Exempt from ATR No
XXXXXX 4000103821 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2025-12-10): Accepted as is.
     12/10/2025 2 A A A A A A     B B   VA Investment Refinance - Cash-out - Other   C A C A A A B A   Exempt from ATR No
XXXXXX 4000103821 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2025-12-10): Accepted as is based on meeting three RAs requirements
       1 N/A N/A A A N/A N/A       N/A   VA Investment Refinance - Cash-out - Other   C A C A A A B A   Exempt from ATR No
XXXXXX 4000103821 XXXXXX   XXXXXX     Credit Insurance Insurance Analysis Insurance Insufficient Coverage: Hazard insurance coverage amount is insufficient.   File did not contain an estimated cost to replace from insurer. Calculations are based on XXXX% of the insurable value of the improvements (from appraiser cost provided or if no appraiser cost the purchase price) using agency calculation methods. Coverage is insufficient by $XXXX       Reviewer Comment (2025-12-12): RCE provided. Cleared.


Seller Comment (2025-12-12): Comment from XXXX (XXXX): RCE is attached
 12/12/2025     1 C A C A C A C A C A   VA Investment Refinance - Cash-out - Other   C A C A A A B A   Exempt from ATR No
XXXXXX 4000103667 XXXXXX   XXXXXX     Property Appraisal Reconciliation Appraisal Documentation Appraisal Reconciliation Appraisal from prior transaction provided. No secondary valuation with effective date less than 3 months past note date provided. Sec ID: 156 Note Date:  ___; Lien Position: ___         Reviewer Comment (2025-12-10): Accepted as is based on meeting three RAs requirements.
       1 N/A N/A A A N/A N/A           CA Primary Refinance - Cash-out - Other   B B B B A A B B   Exempt from ATR No
XXXXXX 4000103667 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___ As per Guidelines Prior Transaction Appraisal is acceptable if it is within 12 months and no secondary appraisal is required if it is within 4 months from Note Date       Reviewer Comment (2025-12-10): Accepted as is.
     12/10/2025 2 A A A A A A     B B   CA Primary Refinance - Cash-out - Other   B B B B A A B B   Exempt from ATR No
XXXXXX 4000103667 XXXXXX   XXXXXX     Credit Title Document Error Title The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided.           Reviewer Comment (2025-12-10): Accepted as is.
     12/10/2025 2 B B B B B B B B B B   CA Primary Refinance - Cash-out - Other   B B B B A A B B   Exempt from ATR No
XXXXXX 4000102750 XXXXXX   XXXXXX     Compliance Compliance Federal Compliance ECOA ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. Receipt borrower received Appraisal is missing.       Reviewer Comment (2025-12-11): Accepted as is.
     12/11/2025 2 B B B B B B B B B B   PA Investment Refinance - Cash-out - Other   D D A A B B D D   Exempt from ATR No
XXXXXX 4000102750 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 180 Note Date:  ___; Lien Position: ___         Reviewer Comment (2025-12-11): Accepted as is based on meeting two RAs requirements
       3 N/A N/A A A N/A N/A     D D   PA Investment Refinance - Cash-out - Other   D D A A B B D D   Exempt from ATR No
XXXXXX 4000102750 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 372 Note Date:  ___; Lien Position: ___         Reviewer Comment (2025-12-11): Accepted as is.
     12/11/2025 2 B B A A A A     A A   PA Investment Refinance - Cash-out - Other   D D A A B B D D   Exempt from ATR No
XXXXXX 4000100765 XXXXXX   XXXXXX     Credit Income / Employment Income Documentation Income / Employment Income Docs Missing: - VVOE within 10 days of closing is missing in file.       Reviewer Comment (2025-12-15): Received VVOE - Employment Only. Exception cleared.


Seller Comment (2025-12-15): Comment from XXXX (XXXX): verbal voe
 12/15/2025     1 C A C A C A C A C A   OH Primary Refinance - Cash-out - Other   C A C A A A A A   Exempt from ATR No
XXXXXX 4000102923 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2025-12-11): Accepted as is.
     12/11/2025 2 A A A A A A     B B   CT Investment Refinance - Cash-out - Other   D A A A A A D A   Exempt from ATR No
XXXXXX 4000102923 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided. The provided CU and/or LCA do not provide relief. Sec ID: 138           Reviewer Comment (2025-12-11): Clearing for updated.
 12/11/2025     1 D A A A D A   A D A   CT Investment Refinance - Cash-out - Other   D A A A A A D A   Exempt from ATR No
XXXXXX 4000102923 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2025-12-11): Accepted as is based on meeting three RAs requirements.
       1   N/A   A   N/A       N/A   CT Investment Refinance - Cash-out - Other   D A A A A A D A   Exempt from ATR No
XXXXXX 4000103819 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2025-12-11): Accepted as is.
     12/11/2025 2 A A A A A A     B B   ME Second Home Refinance - Cash-out - Other   B A A A A A B A   Exempt from ATR No
XXXXXX 4000103819 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2025-12-11): Accepted as is based on meeting more than three RAs requirements
       1 N/A N/A A A N/A N/A       N/A   ME Second Home Refinance - Cash-out - Other   B A A A A A B A   Exempt from ATR No
XXXXXX 4000097445 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___ XXXX AVM dated XXXX. The Application date is XXXX. The Note date is XXXX.       Reviewer Comment (2025-12-11): Accepted as is.
     12/11/2025 2 A A A A A A     B B   PA Primary Refinance - Cash-out - Other   B A A A A A B A   Exempt from ATR No
XXXXXX 4000097445 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___ XXXX AVM dated XXXX. CU or LCA not provided.       Reviewer Comment (2025-12-11): Accepted as is based on meeting two RAs requirements
       1 N/A N/A A A N/A N/A       N/A   PA Primary Refinance - Cash-out - Other   B A A A A A B A   Exempt from ATR No
XXXXXX 4000099419 XXXXXX   XXXXXX     Compliance Compliance Federal Compliance ECOA ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. Verification appraisal was delivered to borrower was not provided.       Reviewer Comment (2025-12-11): Accepted as is.
     12/11/2025 2 B B B B B B B B B B   GA Primary Refinance - Cash-out - Other   B B A A B B A A   Exempt from ATR No
XXXXXX 4000102720 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2025-12-12): Accepted as is based on meeting three RAs requirements
       1 N/A N/A A A N/A N/A       N/A   VA Investment Refinance - Cash-out - Other   B A A A A A B A   Exempt from ATR No
XXXXXX 4000102720 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2025-12-12): Client elects to waive
     12/12/2025 2 A A A A A A     B B   VA Investment Refinance - Cash-out - Other   B A A A A A B A   Exempt from ATR No
XXXXXX 4000104923 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2025-12-15): Accepted as is.
     12/15/2025 2 A A A A A A     B B   NY Investment Refinance - Cash-out - Other   C B C A B B B B   Exempt from ATR No
XXXXXX 4000104923 XXXXXX   XXXXXX     Credit Loan Package Documentation Closing / Title Loan Package Documentation Missing Document: Rider - PUD not provided   The file was missing a copy of Rider - PUD.       Reviewer Comment (2026-02-03): Received updated Security Instrument confirms the no PUD. Exception cleared.


Seller Comment (2026-02-02): Comment from XXXX (XXXX): 2/2 AMB: Please see the attached Recorded Security Instrument with the appropriate Rider.


Reviewer Comment (2025-12-19): A new security agreement will need to be executed removing the PUD and it will need to be recorded.


Buyer Comment (2025-12-19): Comment from XXXX  (XXXX):XXXX tm: The subject is not in a PUD. What do you need to resolve the discrepancy?


Reviewer Comment (2025-12-19): The security instrument has the PUD Rider checked.


Buyer Comment (2025-12-19): Comment from XXXX  (XXXX): XXXX  tm: There is no indication the subject is in a PUD. A PUD rider is not required.
 02/03/2026     1 C A C A C A C A C A   NY Investment Refinance - Cash-out - Other   C B C A B B B B   Exempt from ATR No
XXXXXX 4000104923 XXXXXX   XXXXXX     Compliance Compliance Federal Compliance Missing Disclosure Notice of Special Flood Hazard Disclosure Not Provided Timely FDPA Notification Rule: Creditor did not provide a Notice of Special Flood Hazard Disclosure within a reasonable time prior to closing. Creditor did not provide a Notice of Special Flood Hazard Disclosure within a reasonable time prior to closing.       Reviewer Comment (2025-12-15): Accepted as is.
     12/15/2025 2 B B B B B B B B B B   NY Investment Refinance - Cash-out - Other   C B C A B B B B   Exempt from ATR No
XXXXXX 4000099184 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___ Secondary valuation is not required for second lien files as per HELOC program.       Reviewer Comment (2025-12-16): Accepted as is based on meeting three RAs requirements.
       1 N/A N/A A A N/A N/A       N/A   NM Primary Refinance - Cash-out - Other   C B C A B B A A   Exempt from ATR No
XXXXXX 4000099184 XXXXXX   XXXXXX     Credit Loan Package Documentation Application / Processing Missing Document  Missing Document: Approval not provided   File is missing Approval/1008       Reviewer Comment (2025-12-17): Received Loan Underwriting and Transmittal Summary (1008) / MCAW. Exception cleared.


Seller Comment (2025-12-17): Comment from XXXX (XXXX): Please see attached 1008.
 12/17/2025     1 C A C A C A C A C A   NM Primary Refinance - Cash-out - Other   C B C A B B A A   Exempt from ATR No
XXXXXX 4000099184 XXXXXX   XXXXXX     Compliance Compliance Federal Compliance Missing Disclosure Notice of Special Flood Hazard Disclosure Not Provided Timely FDPA Notification Rule: Creditor did not provide a Notice of Special Flood Hazard Disclosure within a reasonable time prior to closing. Creditor did not provide a Notice of Special Flood Hazard Disclosure within a reasonable time prior to closing.       Reviewer Comment (2025-12-16): Accepted as is.
     12/16/2025 2 B B B B B B B B B B   NM Primary Refinance - Cash-out - Other   C B C A B B A A   Exempt from ATR No
XXXXXX 4000102758 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2025-12-16): Accepted as is based on meeting three RAs requirements
       1 N/A N/A A A N/A N/A       N/A   IN Primary Refinance - Cash-out - Other   B A A A A A B A   Exempt from ATR No
XXXXXX 4000102758 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2025-12-16): Accepted as is.
     12/16/2025 2 A A A A A A     B B   IN Primary Refinance - Cash-out - Other   B A A A A A B A   Exempt from ATR No
XXXXXX 4000100024 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___ Loan is to be securitized. One valuation was provided with an effective date between application date and note date.       Reviewer Comment (2025-12-16): Accepted as is.
     12/16/2025 2 A A A A A A     B B   FL Primary Refinance - Cash-out - Other   B A A A A A B A   Exempt from ATR No
XXXXXX 4000100024 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2025-12-18): Accepted as is based on meeting three RAs requirements.
       1   N/A   A   N/A       N/A   FL Primary Refinance - Cash-out - Other   B A A A A A B A   Exempt from ATR No
XXXXXX 4000103875 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2025-12-16): Accepted as is based on meeting three RAs requirements
       1 N/A N/A A A N/A N/A       N/A   NC Primary Refinance - Cash-out - Other   C B C B A A B A   Exempt from ATR No
XXXXXX 4000103875 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2025-12-16): Accepted as is.
     12/16/2025 2 A A A A A A     B B   NC Primary Refinance - Cash-out - Other   C B C B A A B A   Exempt from ATR No
XXXXXX 4000103875 XXXXXX   XXXXXX     Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Guideline Requirement: Investor qualifying total debt ratio discrepancy. Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. Calculated investor qualifying total debt ratio of XXXX XXXX% exceeds Guideline total debt ratio of XXXX%. Borrower has verified disposable income of at least $2500.00.

The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.		   SitusAMC

SitusAMC		 Reviewer Comment (2025-12-18): Client elects to waive with compensating factors
     12/18/2025 2 C B C B C B C B C B   NC Primary Refinance - Cash-out - Other   C B C B A A B A   Exempt from ATR No
XXXXXX 4000103110 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2025-12-16): Accepted as is based on meeting three RAs requirements.
       1 N/A N/A A A N/A N/A       N/A   CA Investment Refinance - Cash-out - Other   B A A A A A B A   Exempt from ATR No
XXXXXX 4000103110 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2025-12-16): Accepted as is.
     12/16/2025 2 A A A A A A     B B   CA Investment Refinance - Cash-out - Other   B A A A A A B A   Exempt from ATR No
XXXXXX 4000100878 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___ Loan is to be Securitized. One Valuation was provided, with no CU or LCA.       Reviewer Comment (2025-12-16): Accepted as is based on meeting three RAs requirements
       1 N/A N/A A A N/A N/A       N/A   MI Primary Refinance - Cash-out - Other   B A A A A A B A   Exempt from ATR No
XXXXXX 4000100878 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2025-12-16): Accepted as is.
     12/16/2025 2 A A A A A A     B B   MI Primary Refinance - Cash-out - Other   B A A A A A B A   Exempt from ATR No
XXXXXX 4000103959 XXXXXX   XXXXXX     Credit Insurance Insurance Analysis Insurance Hazard Insurance Policy expires within 90 days of the Note Date. Hazard Insurance Policy Expiration Date ___, Note Date ___         Reviewer Comment (2025-12-16): Accepted as is.
     12/16/2025 2 B B B B B B B B B B   CO Investment Refinance - Cash-out - Other   B B B B A A B A   Exempt from ATR No
XXXXXX 4000103959 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2025-12-16): Accepted as is based on meeting more than three RAs requirements
       1 N/A N/A A A N/A N/A       N/A   CO Investment Refinance - Cash-out - Other   B B B B A A B A   Exempt from ATR No
XXXXXX 4000103959 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2025-12-16): Accepted as is.
     12/16/2025 2 A A A A A A     B B   CO Investment Refinance - Cash-out - Other   B B B B A A B A   Exempt from ATR No
XXXXXX 4000103022 XXXXXX   XXXXXX     Compliance Compliance Federal Compliance Compliance Disclosed Note P&I payment does not equal calculated P&I payment Disclosed Note P&I payment does not equal calculated P&I payment.  Note P&I of $XXXX does not match calculated P&I of $XXXX. Calculated P&I was used for the APR calculation and compliance testing. Disclosed Note P&I payment does not equal calculated P&I payment. Note P&I of $XXXX does not match calculated P&I of $XXXX. Calculated P&I was used for the APR calculation and compliance testing.       Reviewer Comment (2025-12-16): Accepted as is.
     12/16/2025 2 B B B B B B B B B B   NY Investment Refinance - Cash-out - Other   C B C A B B B A   Exempt from ATR No
XXXXXX 4000103022 XXXXXX   XXXXXX     Property Appraisal Reconciliation Value Discrepancy Appraisal Reconciliation Loan is to be securitized. AVM provided. The supporting secondary valuation is missing. Sec ID: 53           Reviewer Comment (2025-12-16): Accepted as is based on meeting three RAs requirements.
       1 N/A N/A A A N/A N/A       N/A   NY Investment Refinance - Cash-out - Other   C B C A B B B A   Exempt from ATR No
XXXXXX 4000103022 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370   Secondary valuation not required in Second lien file .       Reviewer Comment (2025-12-16): Accepted as is.
     12/16/2025 2 A A A A A A     B B   NY Investment Refinance - Cash-out - Other   C B C A B B B A   Exempt from ATR No
XXXXXX 4000103022 XXXXXX   XXXXXX     Credit Loan Package Documentation Closing / Title Loan Package Documentation (Missing Doc) Missing Note Addendum: Note P&I does not match calculated P&I   Original P&I does not equal Original P&I-Calculated. Confirm all Note terms including but not limited to interest collection type (i.e. DSI), amortization term, loan amount, interest rate and loan features.       Reviewer Comment (2026-02-21): Received, Clearing.


Seller Comment (2026-02-20): Comment from XXXX (XXXX): misc


Reviewer Comment (2026-01-20): The loan is a fixed rate closed end second mortgage. This is not a HELOC.


Seller Comment (2026-01-20): Comment from XXXX  (XXXX): rebuttal
 02/21/2026     1 C A C A C A C A C A   NY Investment Refinance - Cash-out - Other   C B C A B B B A   Exempt from ATR No
XXXXXX 4000103022 XXXXXX   XXXXXX     Credit Loan Package Documentation Closing / Title Loan Package Documentation Missing Document: Rider - 1-4 Family not provided           Reviewer Comment (2026-01-12): Received Rider - 1-4 Family. Exception cleared.


Seller Comment (2026-01-12): Comment from XXXX  (XXXX): family rider
 01/12/2026     1 C A C A C A C A C A   NY Investment Refinance - Cash-out - Other   C B C A B B B A   Exempt from ATR No
XXXXXX 4000103022 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-02-21): Accepted as is based on meeting three or more RAs requirements.
       1   N/A   A   N/A       N/A   NY Investment Refinance - Cash-out - Other   C B C A B B B A   Exempt from ATR No
XXXXXX 4000103022 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-02-21): Accepted as is.
     02/21/2026 2   A   A   A       B   NY Investment Refinance - Cash-out - Other   C B C A B B B A   Exempt from ATR No
XXXXXX 4000081608 XXXXXX   XXXXXX     Credit Loan Package Documentation Application / Processing Loan Package Documentation FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected.   There was a FEMA Disaster Dated XXXX. The subject property is located in a FEMA Disaster area. A post inspection report is needed verifying there is no damage the subject property. The post disaster inspection report must be dated after the disaster declaration end date. PDI ordered XXXX.       Reviewer Comment (2025-12-18): Received, Clearing.
 12/18/2025     1 C A C A C A C A C A   FL Primary Refinance - Cash-out - Other   C A C A A A B A   Exempt from ATR No
XXXXXX 4000081608 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___ XXXX AVM in file. CU or LCA not provided.       Reviewer Comment (2025-12-16): Accepted as is based on meeting three RAs requirements
       1 N/A N/A A A N/A N/A       N/A   FL Primary Refinance - Cash-out - Other   C A C A A A B A   Exempt from ATR No
XXXXXX 4000081608 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___ XXXX AVM in file dated XXXX. The Application date is XXXX. The Note date is XXXX.       Reviewer Comment (2025-12-16): Accepted as is.
     12/16/2025 2 A A A A A A     B B   FL Primary Refinance - Cash-out - Other   C A C A A A B A   Exempt from ATR No
XXXXXX 4000081608 XXXXXX   XXXXXX     Property Valuation General Valuation Valuation Product pending   XXXX / Post Disaster Inspection + XXXX - 5 Days       Reviewer Comment (2025-12-18): Received, Clearing.


Reviewer Comment (2025-12-18): Valuation Received -XXXX
 12/18/2025     1   A   A   A   A   A   FL Primary Refinance - Cash-out - Other   C A C A A A B A   Exempt from ATR No
XXXXXX 4000103887 XXXXXX   XXXXXX     Credit Loan Package Documentation Closing / Title Loan Package Documentation Missing Document: Rider - 1-4 Family not provided           Reviewer Comment (2025-12-18): Received Rider - 1-4 Family. Exception cleared.


Seller Comment (2025-12-18): Comment fromXXXX  (XXXX): Please see attached document.
 12/18/2025     1 C A C A C A C A C A   IL Investment Refinance - Cash-out - Other   D D C B A A D D   Exempt from ATR No
XXXXXX 4000103887 XXXXXX   XXXXXX     Credit Income / Employment Income Documentation Missing Document  REO Documents are missing. - Need the taxes and insurance for this property.       Reviewer Comment (2025-12-18): Received Tax and Insurance verification. Exception cleared.


Seller Comment (2025-12-18): Comment from XXXX  (XXXX): Please see attached document for review.
 12/18/2025     1 C A C A C A C A C A   IL Investment Refinance - Cash-out - Other   D D C B A A D D   Exempt from ATR No
XXXXXX 4000103887 XXXXXX   XXXXXX     Credit Title General Title Title Policy Coverage is less than Original Loan Amount. The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file.         Reviewer Comment (2025-12-17): Accepted as is.
     12/17/2025 2 B B B B B B B B B B   IL Investment Refinance - Cash-out - Other   D D C B A A D D   Exempt from ATR No
XXXXXX 4000103887 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 180 Note Date:  ___; Lien Position: ___         Reviewer Comment (2025-12-17): Accepted as is based on meeting three RAs requirements
       3 N/A N/A A A N/A N/A     D D   IL Investment Refinance - Cash-out - Other   D D C B A A D D   Exempt from ATR No
XXXXXX 4000102896 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2025-12-17): Accepted as is based on meeting three RAs requirements
       1 N/A N/A A A N/A N/A       N/A   WA Investment Refinance - Cash-out - Other   B B A A B B B A   Exempt from ATR No
XXXXXX 4000102896 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2025-12-17): Accepted as is.
     12/17/2025 2 A A A A A A     B B   WA Investment Refinance - Cash-out - Other   B B A A B B B A   Exempt from ATR No
XXXXXX 4000102896 XXXXXX   XXXXXX     Compliance Loan Package Documentation Application / Processing Missing, Incorrect, or Incomplete Final or Initial 1003 Missing Document: Missing Lender's Initial 1003           Reviewer Comment (2025-12-17): Accepted as is.
     12/17/2025 2 B B B B B B B B B B   WA Investment Refinance - Cash-out - Other   B B A A B B B A   Exempt from ATR No
XXXXXX 4000102058 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2025-12-17): Accepted as is based on meeting more than three RAs requirements
       1 N/A N/A A A N/A N/A       N/A   AZ Primary Refinance - Cash-out - Other   B A A A A A B A   Exempt from ATR No
XXXXXX 4000102058 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2025-12-17): Accepted as is.
     12/17/2025 2 A A A A A A     B B   AZ Primary Refinance - Cash-out - Other   B A A A A A B A   Exempt from ATR No
XXXXXX 4000103833 XXXXXX   XXXXXX     Property Appraisal Reconciliation Value Discrepancy Appraisal Reconciliation Loan is to be securitized. Two valuations were provided, one of which does not support value. No CU or LCA provided. Sec ID: 142   The appraised value is $XXXX and AVM value is $XXXX. Variance is XXXX%.       Reviewer Comment (2026-01-07): Received, Clearing.


Seller Comment (2026-01-07): Comment from XXXX (XXXX): Please see attached.
 01/07/2026     1 C A A A C A   A D A   CA Primary Refinance - Cash-out - Other   D B A A A A D B   Exempt from ATR No
XXXXXX 4000103833 XXXXXX   XXXXXX     Property Appraisal Reconciliation Value Discrepancy Appraisal Reconciliation Loan is to be securitized. Multiple valuations were provided. One or more secondary valuations support value.  One non-supporting secondary valuation with an effective date within 12 months of note date was provided. No CU or LCA providing relief are in evidence. Sec ID: 147 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-01-07): Accepted as is.
     01/07/2026 2   A   A   A       B   CA Primary Refinance - Cash-out - Other   D B A A A A D B   Exempt from ATR No
XXXXXX 4000103401 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2025-12-22): Accepted as is based on meeting three RAs requirements.
       1 N/A N/A A A N/A N/A       N/A   NJ Investment Refinance - Cash-out - Other   B A A A A A B A   Exempt from ATR No
XXXXXX 4000103401 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2025-12-22): Accepted as is.
     12/22/2025 2 A A A A A A     B B   NJ Investment Refinance - Cash-out - Other   B A A A A A B A   Exempt from ATR No
XXXXXX 4000103238 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2025-12-19): Accepted as is.
     12/19/2025 2 A A A A A A     B B   CA Investment Refinance - Cash-out - Other   B A A A A A B A   Exempt from ATR No
XXXXXX 4000103238 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2025-12-19): Accepted as is based on meeting more than three RAs requirements
       1 N/A N/A A A N/A N/A       N/A   CA Investment Refinance - Cash-out - Other   B A A A A A B A   Exempt from ATR No
XXXXXX 4000101676 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___ Secondary valuation not required in Heloc Second lien file .       Reviewer Comment (2025-12-19): Accepted as is based on meeting three RAs requirements
       1 N/A N/A A A N/A N/A       N/A   CA Investment Refinance - Cash-out - Other   B B B B A A B A   Exempt from ATR No
XXXXXX 4000101676 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___ Secondary valuation not required in Heloc Second lien file .       Reviewer Comment (2025-12-19): Accepted as is.
     12/19/2025 2 A A A A A A     B B   CA Investment Refinance - Cash-out - Other   B B B B A A B A   Exempt from ATR No
XXXXXX 4000101676 XXXXXX   XXXXXX     Credit Title General Title Title Policy Coverage is less than Original Loan Amount. The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. Title Policy Coverage of $XXXX is less than Original Loan Amount.       Reviewer Comment (2025-12-19): Accepted as is.
     12/19/2025 2 B B B B B B B B B B   CA Investment Refinance - Cash-out - Other   B B B B A A B A   Exempt from ATR No
XXXXXX 4000104625 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 372 Note Date:  ___; Lien Position: ___         Reviewer Comment (2025-12-22): Accepted as is.
     12/22/2025 2 B B A A A A     A A   GA Second Home Refinance - Cash-out - Other   D D A A B B D D   Exempt from ATR No
XXXXXX 4000104625 XXXXXX   XXXXXX     Compliance Compliance Federal Compliance ECOA ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. Verification appraisal was delivered to borrower was not provided.       Reviewer Comment (2025-12-22): Accepted as is.
     12/22/2025 2 B B B B B B B B B B   GA Second Home Refinance - Cash-out - Other   D D A A B B D D   Exempt from ATR No
XXXXXX 4000104625 XXXXXX   XXXXXX     Compliance Compliance Federal Compliance ECOA ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Missing ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to consumer.         Reviewer Comment (2025-12-22): Accepted as is.
     12/22/2025 2 B B B B B B B B B B   GA Second Home Refinance - Cash-out - Other   D D A A B B D D   Exempt from ATR No
XXXXXX 4000104625 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 180 Note Date:  ___; Lien Position: ___         Reviewer Comment (2025-12-22): Accepted as is based on meeting more than three RAs requirements
       3 N/A N/A A A N/A N/A     D D   GA Second Home Refinance - Cash-out - Other   D D A A B B D D   Exempt from ATR No
XXXXXX 4000104977 XXXXXX   XXXXXX     Credit Insurance Insurance Analysis Insurance Insufficient Coverage: Hazard insurance coverage amount is insufficient.   File did not contain an estimated cost to replace from insurer.  Calculations are based on XXXX% of the insurable value of the improvements (from appraiser cost provided or if no appraiser cost the purchase price) using agency calculation methods.  Coverage is insufficient by $XXXX. First Lien HELOC requirements.       Reviewer Comment (2026-01-08): Received, Clearing.


Seller Comment (2026-01-08): Comment fromXXXX  (XXXX): Rebuttal for state of FL
 01/08/2026     1 C A C A C A C A C A   FL Second Home Refinance - Cash-out - Other   D A C A A A D A   Exempt from ATR No
XXXXXX 4000104977 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided. The provided CU and/or LCA do not provide relief. Sec ID: 182           Reviewer Comment (2026-01-08): Received, Clearing.


Seller Comment (2026-01-08): Comment from XXXX  (XXXX): CDA
 01/08/2026     1 D A A A D A   A D A   FL Second Home Refinance - Cash-out - Other   D A C A A A D A   Exempt from ATR No
XXXXXX 4000104417 XXXXXX   XXXXXX     Credit Loan Package Documentation Closing / Title Missing Document  Missing Document: Security Instrument - Subject Lien not provided           Reviewer Comment (2026-01-09): Received Security Instrument - Subject Lien. Exception cleared.


Seller Comment (2026-01-08): Comment fromXXXX  (XXXX): Please advise on why this is not cleared you already have the mortgage and the the other condition was cleared. That is the security instrument. This is  HELOC so it's an open ended mortgage.


Reviewer Comment (2026-01-05): Received HELOC Agreement. Please provide Security Instrument. Exception remains.


Seller Comment (2026-01-05): Comment from XXXX  (XXXX): Mortgage already uploaded on the other condition. Here is the HELOC Agreement
 01/09/2026     1 D A D A D A D A D A   CT Primary Refinance - Cash-out - Other   D B D A B B A A   Exempt from ATR No
XXXXXX 4000104417 XXXXXX   XXXXXX     Compliance Compliance Federal Compliance TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form Right of Rescission Timing - Note Date used as Transaction Date Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements         Reviewer Comment (2025-12-22): Accepted as is.
     12/22/2025 2 B B B B B B B B B B   CT Primary Refinance - Cash-out - Other   D B D A B B A A   Exempt from ATR No
XXXXXX 4000105841 XXXXXX   XXXXXX     Credit Guideline Guideline Issue Guideline Life Rate Floor and/or Cap is ineligible per guidelines.   Life rate minimum is XXXX%, however should be XXXX% per guidelines       Reviewer Comment (2026-01-07): Received, Clearing.


Seller Comment (2026-01-07): Comment from XXXX  (XXXX .): E-mail confirmation from Donna regarding the change - thanks!


Reviewer Comment (2026-01-02): The updated note appears to have slip sheets placed in the original note. Please provide something showing the borrower has agreed to this change.


Seller Comment (2025-12-31): Comment from XXXX (XXXX .): Correction in Floor to XXXX  from XXXX  on pages XXXX of the HELOC Note
 01/07/2026     1 C A C A C A C A C A   GA Primary Refinance - Cash-out - Other   C A C A A A A A   Exempt from ATR No
XXXXXX 4000105031 XXXXXX   XXXXXX     Compliance Compliance Federal Compliance ECOA ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation.         Reviewer Comment (2025-12-22): Accepted as is.
     12/22/2025 2 B B B B B B B B B B   CA Investment Refinance - Cash-out - Other   D D A A B B D D   Exempt from ATR No
XXXXXX 4000105031 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 180 Note Date:  ___; Lien Position: ___         Reviewer Comment (2025-12-22): Accepted as is based on meeting more than three RAs requirement
       3 N/A N/A A A N/A N/A     D D   CA Investment Refinance - Cash-out - Other   D D A A B B D D   Exempt from ATR No
XXXXXX 4000105031 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 372 Note Date:  ___; Lien Position: ___         Reviewer Comment (2025-12-22): Accepted as is.
     12/22/2025 2 B B A A A A     A A   CA Investment Refinance - Cash-out - Other   D D A A B B D D   Exempt from ATR No
XXXXXX 4000103865 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___ XXXX AVM dated XXXX. CU or LCA not provided.       Reviewer Comment (2025-12-22): Accepted as is based on meeting three RAs requirements.
       1 N/A N/A A A N/A N/A       N/A   NJ Investment Refinance - Cash-out - Other   B A A A A A B A   Exempt from ATR No
XXXXXX 4000103865 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___ XXXX AVM is dated XXXX. The Application date XXXX. The Note date is XXXX.       Reviewer Comment (2025-12-22): Accepted as is.
     12/22/2025 2 A A A A A A     B B   NJ Investment Refinance - Cash-out - Other   B A A A A A B A   Exempt from ATR No
XXXXXX 4000102530 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-06-03): Clearing.


Reviewer Comment (2026-06-03): .


Reviewer Comment (2025-12-22): Accepted as is.
 06/03/2026     1 A A A A A A   A B A   GA Primary Refinance - Cash-out - Other   D A D A A A B A   Exempt from ATR No
XXXXXX 4000102530 XXXXXX   XXXXXX     Property Appraisal Reconciliation Appraisal Documentation Appraisal Reconciliation Appraisal from prior transaction provided. No secondary valuation with effective date less than 3 months past note date provided. Sec ID: 156 Note Date:  ___; Lien Position: ___         Reviewer Comment (2025-12-22): Accepted as is based on meeting more than three RAs requirements
       1 N/A N/A A A N/A N/A           GA Primary Refinance - Cash-out - Other   D A D A A A B A   Exempt from ATR No
XXXXXX 4000102530 XXXXXX   XXXXXX     Credit Loan Package Documentation Application / Processing Loan Package Documentation Missing Document: Note - Senior Lien not provided   Note - Senior Lien or mortgage statement not provided       Reviewer Comment (2025-12-26): Final CD refinance provided. Cleared.


Seller Comment (2025-12-26): Comment from XXXX (XXXX): Please see attached Final CD.
 12/26/2025     1 D A D A D A D A D A   GA Primary Refinance - Cash-out - Other   D A D A A A B A   Exempt from ATR No
XXXXXX 4000101726 XXXXXX   XXXXXX     Credit Income / Employment Income Documentation Income / Employment Verification(s) of employment is not within 10 business days of the Note. - Verification(s) of employment is not within 10 business days of the Note.       Reviewer Comment (2025-12-29): Received Verification(s) of employment within 10 business days of the Note. Exception cleared.


Seller Comment (2025-12-29): Comment from XXXX (XXXX): Attached Funding Verbal VOE
 12/29/2025     1 C A C A C A C A C A   OR Investment Refinance - Cash-out - Other   C B C B B B A A   Exempt from ATR No
XXXXXX 4000101726 XXXXXX   XXXXXX     Compliance Compliance Federal Compliance ECOA ECOA Appraisal - Appraisal Provided Prior to Date Performed ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed.  Unable to determine compliance with appraisal timing requirements. Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements.       Reviewer Comment (2025-12-22): Accepted as is.
     12/22/2025 2 B B B B B B B B B B   OR Investment Refinance - Cash-out - Other   C B C B B B A A   Exempt from ATR No
XXXXXX 4000101726 XXXXXX   XXXXXX     Credit Title General Title Title Policy Coverage is less than Original Loan Amount. The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. The Title Policy Amount of $XXXX is less than the note amount of $XXXX based on the Commitment in file.       Reviewer Comment (2025-12-22): Accepted as is.
     12/22/2025 2 B B B B B B B B B B   OR Investment Refinance - Cash-out - Other   C B C B B B A A   Exempt from ATR No
XXXXXX 4000099841 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___ 2055 Appraisal in file. CU or LCA not provided.       Reviewer Comment (2025-12-22): Accepted as is based on meeting three RAs requirements.
       1 N/A N/A A A N/A N/A       N/A   CA Investment Refinance - Cash-out - Other   B A A A A A B A   Exempt from ATR No
XXXXXX 4000099841 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___ 2055 Appraisal is dated XXXX. The Application date is XXXX. The Note Date is XXXX.       Reviewer Comment (2025-12-22): Accepted as is.
     12/22/2025 2 A A A A A A     B B   CA Investment Refinance - Cash-out - Other   B A A A A A B A   Exempt from ATR No
XXXXXX 4000104362 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2025-12-23): Accepted as is based on meeting three RAs requirements.
       1 N/A N/A A A N/A N/A       N/A   OR Primary Refinance - Cash-out - Other   C A C A A A B A   Exempt from ATR No
XXXXXX 4000104362 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2025-12-23): Accepted as is.
     12/23/2025 2 A A A A A A     B B   OR Primary Refinance - Cash-out - Other   C A C A A A B A   Exempt from ATR No
XXXXXX 4000104362 XXXXXX   XXXXXX     Credit Income / Employment Income Documentation Missing Document  REO Documents are missing. -         Reviewer Comment (2025-12-30): Clearing.


Seller Comment (2025-12-30): Comment from XXXX (XXXX): rental income was included in error.  No lease agreement to provide.  Updated income calc with rental income removed.   added Performance bonus income to qualify.    Using XXXX  mth average and year end paystubs to confirm Performance bonus earnings
 12/30/2025     1 C A C A C A C A C A   OR Primary Refinance - Cash-out - Other   C A C A A A B A   Exempt from ATR No
XXXXXX 4000105359 XXXXXX   XXXXXX     Credit Loan Package Documentation Closing / Title Missing Document  Missing Document: Security Instrument - Subject Lien not provided   Security Instrument - Subject Lien is missing in file.       Reviewer Comment (2026-01-12): Received, Clearing.


Seller Comment (2026-01-12): Comment fromXXXX  (XXXX): abdou
 01/12/2026     1 D A D A D A D A D A   NJ Primary Refinance - Cash-out - Other   D A D A A A D A   Exempt from ATR No
XXXXXX 4000105359 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided. The provided CU and/or LCA do not provide relief. Sec ID: 138   LCA and CU score are failing.       Reviewer Comment (2026-01-13): CDA received, cleared


Seller Comment (2026-01-13): Comment fromXXXX  (XXXX): CDA
 01/13/2026     1 D A A A D A   A D A   NJ Primary Refinance - Cash-out - Other   D A D A A A D A   Exempt from ATR No
XXXXXX 4000104101 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___ Secondary valuation is not required for second lien files as per HELOC program.       Reviewer Comment (2025-12-29): Accepted as is based on meeting two RAs requirements
       1 N/A N/A A A N/A N/A       N/A   UT Primary Refinance - Cash-out - Other   B A A A A A B A   Exempt from ATR No
XXXXXX 4000104101 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___ Secondary valuation is not required for second lien files as per HELOC program.       Reviewer Comment (2025-12-29): Client elects to waive
     12/29/2025 2 A A A A A A     B B   UT Primary Refinance - Cash-out - Other   B A A A A A B A   Exempt from ATR No
XXXXXX 4000105881 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___ No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date.       Reviewer Comment (2025-12-26): Client elects to waive
     12/26/2025 2 A A A A A A     B B   NJ Primary Refinance - Cash-out - Other   B A A A A A B A   Exempt from ATR No
XXXXXX 4000105881 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2025-12-26): Accepted as is based on meeting three RAs requirements.
       1 N/A N/A A A N/A N/A       N/A   NJ Primary Refinance - Cash-out - Other   B A A A A A B A   Exempt from ATR No
XXXXXX 4000106848 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2025-12-29): Accepted as is based on meeting three RAs requirements
       1 N/A N/A A A N/A N/A       N/A   CA Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000099382 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___ One valuation was provided, with no CU or LCA.       Reviewer Comment (2025-12-29): Accepted as is based on meeting three RAs requirements.
       1 N/A N/A A A N/A N/A       N/A   KS Primary Refinance - Cash-out - Other   C B C A C B A A   Exempt from ATR No
XXXXXX 4000099382 XXXXXX   XXXXXX     Credit Income / Employment Income Documentation Missing Document  REO Documents are missing. - The file was missing a copy of Insurance Verification for REO, XXXX.       Reviewer Comment (2026-01-09): Received mortgage statement stating that Tax and insurance are escrowed, Exception cleared.


Seller Comment (2026-01-09): Comment from XXXX  (XXXX ): a
 01/09/2026     1 C A C A C A C A C A   KS Primary Refinance - Cash-out - Other   C B C A C B A A   Exempt from ATR No
XXXXXX 4000099382 XXXXXX   XXXXXX     Compliance Compliance Federal Compliance TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date Truth in Lending Act:  Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s).       Reviewer Comment (2026-02-12): Received, Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form.


Seller Comment (2026-02-12): Comment fromXXXX  (XXXX ): a


Reviewer Comment (2026-01-22): Cure is as follows: Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form.


Seller Comment (2026-01-22): Comment from XXXX  (XXXX ): a
   02/12/2026   2 C B C B C B C B C B   KS Primary Refinance - Cash-out - Other TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C B C A C B A A   Exempt from ATR Yes
XXXXXX 4000099382 XXXXXX   XXXXXX     Compliance Compliance Federal Compliance TILA TILA HELOC - Credit Agreement Not Provided Timely Truth in Lending Act (HELOC): Credit Agreement not provided to borrower at time of account opening.         Reviewer Comment (2026-03-06): Received, Clearing.


Seller Comment (2026-03-06): Comment from XXXX  XXXX ): notary attestation re: signing date attached


Reviewer Comment (2026-01-28): The Mortgage (Security Agreement) has the notary attesting to a signature date of XXXX  while both signatures are dated XXXX


Buyer Comment (2026-01-27): Comment from XXXX  (XXXX ): The form we uploaded has no notary spot? Can you please clarify?


Reviewer Comment (2026-01-22): The security agreement will need corrected as the notary date is not correct.


Seller Comment (2026-01-22): Comment fromXXXX  (XXXX ): a
 03/06/2026     1 C A C A C A C A C A   KS Primary Refinance - Cash-out - Other   C B C A C B A A   Exempt from ATR No
XXXXXX 4000099382 XXXXXX   XXXXXX     Compliance Compliance Federal Compliance TILA TILA HELOC - Billing Rights Disclosure Not Provided Timely Truth in Lending Act (HELOC): "Billing Rights" disclosure not provided to borrower at time of account opening.         Reviewer Comment (2026-03-06): Received, Clearing.


Seller Comment (2026-03-06): Comment from XXXX  (XXXX ): notary attestation re: notary date


Reviewer Comment (2026-01-28): The Mortgage (Security Agreement) has the notary attesting to a signature date of XXXX while both signatures are datedXXXX


Buyer Comment (2026-01-27): Comment from XXXX  (XXXX ): document uploaded does not have a spot for notary. can you please clarify?


Reviewer Comment (2026-01-22): The security agreement will need corrected as the notary date is not correct.


Seller Comment (2026-01-22): Comment from XXXX  (XXXX ): a
 03/06/2026     1 C A C A C A C A C A   KS Primary Refinance - Cash-out - Other   C B C A C B A A   Exempt from ATR No
XXXXXX 4000102167 XXXXXX   XXXXXX     Credit Loan Package Documentation Closing / Title Missing Document  Missing Document: Security Instrument - Subject Lien not provided   Security Instrument document is missing       Reviewer Comment (2026-01-05): Security Instrument received, exception cleared


Seller Comment (2026-01-05): Comment fromXXXX  (XXXX): Mortgage
 01/05/2026     1 D A D A D A D A D A   OH Primary Refinance - Cash-out - Other   D B D A B B A A   Exempt from ATR No
XXXXXX 4000102167 XXXXXX   XXXXXX     Compliance Compliance Federal Compliance TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form Right of Rescission Timing - Note Date used as Transaction Date Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements Security Instrument document is missing       Reviewer Comment (2025-12-26): Client elects to waive
     12/26/2025 2 B B B B B B B B B B   OH Primary Refinance - Cash-out - Other   D B D A B B A A   Exempt from ATR No
XXXXXX 4000090155 XXXXXX   XXXXXX     Credit Loan Package Documentation Closing / Title Missing Document  Missing Document: Security Instrument - Subject Lien not provided   Security Instrument - Subject Lien is missing.       Reviewer Comment (2026-01-12): Received Security Instrument. Exception cleared.


Seller Comment (2026-01-09): Comment from XXXX (XXXX): open end mortgage
 01/12/2026     1 D A D A D A D A D A   CT Investment Refinance - Cash-out - Other   D A D A A A A A   Exempt from ATR No
XXXXXX 4000105794 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2025-12-29): Client elects to waive
     12/29/2025 2 A A A A A A     B B   WA Investment Refinance - Cash-out - Other   B A A A A A B A   Exempt from ATR No
XXXXXX 4000105794 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___ CU and/or LCA Risk Score is <= XXXX however secondary appraisal available in file hence updated.       Reviewer Comment (2025-12-29): Accepted as is based on meeting three RAs requirements.
       1 N/A N/A A A N/A N/A       N/A   WA Investment Refinance - Cash-out - Other   B A A A A A B A   Exempt from ATR No
XXXXXX 4000105001 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___ Secondary valuation not required in Heloc Second lien file .       Reviewer Comment (2025-12-29): Client elects to waive
     12/29/2025 2 A A A A A A     B B   CA Primary Refinance - Cash-out - Other   B A A A A A B A   Exempt from ATR No
XXXXXX 4000105001 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___ Secondary valuation not required in Heloc Second lien file .       Reviewer Comment (2025-12-29): Accepted as is based on meeting three RAs requirements
       1 N/A N/A A A N/A N/A       N/A   CA Primary Refinance - Cash-out - Other   B A A A A A B A   Exempt from ATR No
XXXXXX 4000105584 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2025-12-30): Accepted as is based on meeting two RAs requirements
       1 N/A N/A A A N/A N/A       N/A   AR Investment Refinance - Cash-out - Other   B A A A A A B A   Exempt from ATR No
XXXXXX 4000105584 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2025-12-30): Accepted as is.
     12/30/2025 2 A A A A A A     B B   AR Investment Refinance - Cash-out - Other   B A A A A A B A   Exempt from ATR No
XXXXXX 4000104712 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136           Reviewer Comment (2025-12-30): Accepted as is based on meeting more than three RAs requirements
       1 N/A N/A A A N/A N/A       N/A   GA Primary Refinance - Cash-out - Other   B A A A A A B A   Exempt from ATR No
XXXXXX 4000104712 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___ Secondary valuation is not required for second lien files as per HELOC program.       Reviewer Comment (2025-12-30): Accepted as is based on meeting more than three RAs requirements
       1 N/A N/A A A N/A N/A       N/A   GA Primary Refinance - Cash-out - Other   B A A A A A B A   Exempt from ATR No
XXXXXX 4000104712 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___ Secondary valuation is not required for second lien files as per HELOC program.       Reviewer Comment (2025-12-30): Accepted as is.
     12/30/2025 2 A A A A A A     B B   GA Primary Refinance - Cash-out - Other   B A A A A A B A   Exempt from ATR No
XXXXXX 4000104603 XXXXXX   XXXXXX     Credit Legal / Regulatory / Compliance Title / Lien Defect Legal / Regulatory / Compliance Final Title Policy is missing. No evidence of title in file.           Reviewer Comment (2025-12-30): Received, Clearing.


Seller Comment (2025-12-30): Comment from XXXX (XXXX): Please  see attached.
 12/30/2025     1 C A C A C A C A C A   NC Primary Refinance - Cash-out - Other   C A C A A A B A   Exempt from ATR No
XXXXXX 4000104603 XXXXXX   XXXXXX     Credit Hazard Insurance Insufficient Coverage Hazard Insurance The Hazard Insurance Policy Effective Date is after closing.           Reviewer Comment (2025-12-30): Received, Clearing.


Reviewer Comment (2025-12-30): Title search does not clear the exception


Seller Comment (2025-12-30): Comment from XXXX (XXXX): Please see attached.
 12/30/2025     1 C A C A C A C A C A   NC Primary Refinance - Cash-out - Other   C A C A A A B A   Exempt from ATR No
XXXXXX 4000104603 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2025-12-30): Accepted as is based on meeting two RAs requirements
       1 N/A N/A A A N/A N/A       N/A   NC Primary Refinance - Cash-out - Other   C A C A A A B A   Exempt from ATR No
XXXXXX 4000104603 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2025-12-30): Accepted as is.
     12/30/2025 2 A A A A A A     B B   NC Primary Refinance - Cash-out - Other   C A C A A A B A   Exempt from ATR No
XXXXXX 4000105245 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2025-12-29): Client elects to waive
     12/29/2025 2 A A A A A A     B B   CA Investment Refinance - Cash-out - Other   B B A A A A B B   Exempt from ATR No
XXXXXX 4000105882 XXXXXX   XXXXXX     Compliance Loan Package Documentation Application / Processing Missing, Incorrect, or Incomplete Final or Initial 1003 Missing Document: Missing Lender's Initial 1003   The file is missing a copy of the initial 1003.       Reviewer Comment (2025-12-30): Accepted as is.
     12/30/2025 2 B B B B B B B B B B   VT Primary Refinance - Cash-out - Other   B B A A B B B A   Exempt from ATR No
XXXXXX 4000105882 XXXXXX   XXXXXX     Compliance Compliance Federal Compliance RESPA RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.       Reviewer Comment (2025-12-30): Accepted as is.
     12/30/2025 2 B B B B B B B B B B   VT Primary Refinance - Cash-out - Other   B B A A B B B A   Exempt from ATR No
XXXXXX 4000105882 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___ Loan is to be securitized. One valuation was provided, with no CU or LCA.       Reviewer Comment (2025-12-30): Accepted as is based on meeting more than three RAs requirements
       1 N/A N/A A A N/A N/A       N/A   VT Primary Refinance - Cash-out - Other   B B A A B B B A   Exempt from ATR No
XXXXXX 4000105882 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___ Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date.       Reviewer Comment (2025-12-30): Accepted as is.
     12/30/2025 2 A A A A A A     B B   VT Primary Refinance - Cash-out - Other   B B A A B B B A   Exempt from ATR No
XXXXXX 4000102983 XXXXXX   XXXXXX     Credit Insurance Insurance Analysis Insurance Hazard Insurance Policy expires within 90 days of the Note Date. Hazard Insurance Policy Expiration Date ___, Note Date ___ Hazard Insurance Policy expires within 90 days of the Note Date       Reviewer Comment (2025-12-30): Accepted as is.
     12/30/2025 2 B B B B B B B B B B   WA Primary Refinance - Cash-out - Other   B B B B A A B A   Exempt from ATR No
XXXXXX 4000102983 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___ Loan is to be securitized. One valuation was provided, with no CU or LCA       Reviewer Comment (2025-12-30): Accepted as is based on meeting more than three RAs requirements
       1 N/A N/A A A N/A N/A       N/A   WA Primary Refinance - Cash-out - Other   B B B B A A B A   Exempt from ATR No
XXXXXX 4000102983 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___ Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date.       Reviewer Comment (2025-12-30): Accepted as is.
     12/30/2025 2 A A A A A A     B B   WA Primary Refinance - Cash-out - Other   B B B B A A B A   Exempt from ATR No
XXXXXX 4000101240 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___ Secondary valuation not required in Heloc Second lien file .       Reviewer Comment (2025-12-30): Accepted as is.
     12/30/2025 2 A A A A A A     B B   PA Investment Refinance - Cash-out - Other   C A C A A A B A   Exempt from ATR No
XXXXXX 4000101240 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___ Secondary valuation not required in Heloc Second lien file .       Reviewer Comment (2025-12-30): Accepted as is based on meeting two RAs requirements
       1 N/A N/A A A N/A N/A       N/A   PA Investment Refinance - Cash-out - Other   C A C A A A B A   Exempt from ATR No
XXXXXX 4000101240 XXXXXX   XXXXXX     Credit Hazard Insurance Insufficient Coverage Hazard Insurance The Hazard Insurance Policy Effective Date is after closing.   Hazard Insurance Policy Effective Date XXXX, Disbursement Date: XXXX.       Reviewer Comment (2026-01-08): Received Hazard Insurance Policy for the period XXXX till XXXX. Exception cleared.


Seller Comment (2026-01-08): Comment from XXXX (XXXX): Please see attached


Reviewer Comment (2026-01-08): Page 398 of the hazard document confirms the property location as XXXX. Please provide the prior hazard insurance policy for the subject property at XXXX. Exception remains.


Buyer Comment (2026-01-07): Comment from XXXX (XXXX): Please see page 398 of the loan package which has the previous HOI policy


Reviewer Comment (2026-01-06): PA is w wet funding state. Exception remains.


Buyer Comment (2026-01-05): Comment from XXXX (XXXX): PA is a dry state please waive this condition
 01/08/2026     1 C A C A C A C A C A   PA Investment Refinance - Cash-out - Other   C A C A A A B A   Exempt from ATR No
XXXXXX 4000102690 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2025-12-30): Accepted as is based on meeting two RAs requirements
       1 N/A N/A A A N/A N/A       N/A   ID Primary Refinance - Cash-out - Other   B A A A A A B A   Exempt from ATR No
XXXXXX 4000102690 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2025-12-30): Accepted as is.
     12/30/2025 2 A A A A A A     B B   ID Primary Refinance - Cash-out - Other   B A A A A A B A   Exempt from ATR No
XXXXXX 4000104626 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___ Secondary valuation not required in Heloc Second lien file .       Reviewer Comment (2025-12-30): Accepted as is based on meeting two RAs requirements
       1 N/A N/A A A N/A N/A       N/A   NE Primary Refinance - Cash-out - Other   B A A A A A B A   Exempt from ATR No
XXXXXX 4000104626 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___ Secondary valuation not required in Heloc Second lien file .       Reviewer Comment (2025-12-30): Accepted as is.
     12/30/2025 2 A A A A A A     B B   NE Primary Refinance - Cash-out - Other   B A A A A A B A   Exempt from ATR No
XXXXXX 4000105877 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___ Secondary valuation is not required for second lien files as per HELOC program.       Reviewer Comment (2025-12-30): Accepted as is based on meeting two RAs requirements
       1 N/A N/A A A N/A N/A       N/A   AZ Primary Refinance - Cash-out - Other   B A A A A A B A   Exempt from ATR No
XXXXXX 4000105877 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___ Secondary valuation is not required for second lien files as per HELOC program.       Reviewer Comment (2025-12-30): Accepted as is.
     12/30/2025 2 A A A A A A     B B   AZ Primary Refinance - Cash-out - Other   B A A A A A B A   Exempt from ATR No
XXXXXX 4000107430 XXXXXX   XXXXXX     Credit Insurance Insurance Analysis Insurance Insufficient Coverage: Hazard insurance coverage amount is insufficient.   Hazard Insurance Coverage Amount is insufficient.       Reviewer Comment (2026-01-09): Received, Clearing.


Seller Comment (2026-01-09): Comment from XXXX(XXXX): XXXX tm: Please see attached policy provided with initial loan package. The date highlighted at the bottom of the page confirms this is the most recent policy and it provides sufficient dwelling coverage.


Reviewer Comment (2026-01-07): Hazard Insurance Dwelling Coverage Amount is $XXXX and Replacement Cost Estimate is $XXXX( Which is more than dwelling coverage) as per the available documents in file. Hence, there is coverage shortfall of $XXXX. Please provide updated hazard Insurance Policy with sufficient coverage or provide updated Replacement Cost Estimator. Exception remains.


Buyer Comment (2026-01-07): Comment from XXXX XXXX (XXXX): XXXX tm: Why is additional dwelling coverage being requested? The RCE shows XXXX. The most recent policy provides $XXXX in dwelling coverage which fully covers the RCE.


Reviewer Comment (2026-01-02): Provide updated Hazard Insurance Policy with dwelling extension. Exception remains.


Seller Comment (2025-12-31): Comment from XXXX (XXXX): XXXX: The RCE provided with the initial loan package confirms sufficient dwelling coverage was provided.
 01/09/2026     1 C A C A C A C A C A   CA Second Home Refinance - Cash-out - Other   C B C B A A A A   Exempt from ATR No
XXXXXX 4000107430 XXXXXX   XXXXXX     Credit Title General Title Title Policy Coverage is less than Original Loan Amount. The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file.         Reviewer Comment (2025-12-30): Accepted as is.
     12/30/2025 2 B B B B B B B B B B   CA Second Home Refinance - Cash-out - Other   C B C B A A A A   Exempt from ATR No
XXXXXX 4000104319 XXXXXX   XXXXXX     Credit Loan Package Documentation Closing / Title Missing Document  Missing Document: Security Instrument - Subject Lien not provided   The file is missing copy of Security Instrument document.       Reviewer Comment (2026-01-05): Received Security Instrument - Subject Lien. Exception cleared.


Seller Comment (2026-01-05): Comment from XXXX (XXXX): DOT
 01/05/2026     1 D A D A D A D A D A   NC Primary Refinance - Cash-out - Other   D A D A A A A A   Exempt from ATR No
XXXXXX 4000102875 XXXXXX   XXXXXX     Credit Loan Package Documentation Loan File Missing Document  Missing Document: Hazard Insurance Policy not provided   Hazard Insurance Policy not provided.       Reviewer Comment (2026-01-02): Received Hazard Insurance Policy. Exception cleared.


Seller Comment (2025-12-31): Comment from XXXX (XXXX): Please see attached.
 01/02/2026     1 C A C A C A C A C A   FL Primary Refinance - Cash-out - Other   C A C A A A A A   Exempt from ATR No
XXXXXX 4000102875 XXXXXX   XXXXXX     Credit Missing Document General Missing Document Missing Document: Legal Description not provided   Missing legal description.       Reviewer Comment (2026-01-02): Received Legal Description. Exception cleared.


Seller Comment (2026-01-02): Comment from XXXX (XXXX): Please see attached.
 01/02/2026     1 C A C A C A C A C A   FL Primary Refinance - Cash-out - Other   C A C A A A A A   Exempt from ATR No
XXXXXX 4000102219 XXXXXX   XXXXXX     Credit Income / Employment Income Documentation Missing Document  REO Documents are missing. - Mortgage Statement is missing to Verify P&I, Taxes and Insurance are Escrowed for REO XXXX.       Reviewer Comment (2026-01-09): Received Closing Disclosure confirming PITIA. Exception cleared.


Seller Comment (2026-01-09): Comment from XXXX XXXX (XXXX): XXXX docs 12.18
 01/09/2026     1 C A C A C A C A C A   CT Investment Refinance - Cash-out - Other   C A C A A A A A   Exempt from ATR No
XXXXXX 4000102219 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-01-14): Accepted as is based on meeting more than three RAs requirements
       1   N/A   A   N/A       N/A   CT Investment Refinance - Cash-out - Other   C A C A A A A A   Exempt from ATR No
XXXXXX 4000102722 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2025-12-31): Accepted as is.
     12/31/2025 2 A A A A A A     B B   VA Investment Refinance - Cash-out - Other   C A C A A A B A   Exempt from ATR No
XXXXXX 4000102722 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2025-12-31): Accepted as is based on meeting more than three RAs requirements
       1 N/A N/A A A N/A N/A       N/A   VA Investment Refinance - Cash-out - Other   C A C A A A B A   Exempt from ATR No
XXXXXX 4000102722 XXXXXX   XXXXXX     Credit Income / Employment Income Documentation Income / Employment Verification(s) of employment is not within 10 business days of the Note. - Please provide VVOE dated within 10 business days of the note date.       Reviewer Comment (2026-01-08): Received Third Party Verification of Employment. Exception cleared.


Seller Comment (2026-01-07): Comment from XXXX (XXXX): This would cover that time period


Reviewer Comment (2026-01-06): VVOE dated XXXX is not within 10 days of Closing date. Please provide VVOE dated within 10 calendar days prior to closing. Exception remains.


Buyer Comment (2026-01-06): Comment from XXXX (XXXX): This is on page 960 please waive
 01/08/2026     1 C A C A C A C A C A   VA Investment Refinance - Cash-out - Other   C A C A A A B A   Exempt from ATR No
XXXXXX 4000102722 XXXXXX   XXXXXX     Credit Income / Employment Income Documentation Income / Employment Verification(s) of employment is not within 10 business days of the Note. - Please provide VVOE dated within 10 business days of the note date.       Reviewer Comment (2026-01-08): Received Verification(s) of employment. Exception cleared.


Seller Comment (2026-01-08): Comment from XXXX (XXXX): This VVOE will cover the correct time period.


Reviewer Comment (2026-01-06): VVOE dated XXXX is not within 10 days of Closing date. Please provide VVOE dated within 10 calendar days prior to closing. Exception remains.


Buyer Comment (2026-01-06): Comment from XXXX (XXXX): This is on page 691 please waive
 01/08/2026     1 C A C A C A C A C A   VA Investment Refinance - Cash-out - Other   C A C A A A B A   Exempt from ATR No
XXXXXX 4000104956 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___ Secondary valuation not required in Heloc Second lien file .       Reviewer Comment (2025-12-31): Accepted as is based on meeting two RAs requirements
       1 N/A N/A A A N/A N/A       N/A   NE Primary Refinance - Cash-out - Other   B A A A A A B A   Exempt from ATR No
XXXXXX 4000104956 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___ Secondary valuation not required in HELOC Second lien file .       Reviewer Comment (2025-12-31): Accepted as is.
     12/31/2025 2 A A A A A A     B B   NE Primary Refinance - Cash-out - Other   B A A A A A B A   Exempt from ATR No
XXXXXX 4000101279 XXXXXX   XXXXXX     Compliance Compliance Federal Compliance TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided. Notice of Right to Cancel was not provided.       Reviewer Comment (2026-01-09): Received, Clearing.


Seller Comment (2026-01-09): Comment from XXXX (XXXX): Please see attached NRTC.
 01/09/2026     1 C A C A C A C A C A   AL Primary Refinance - Cash-out - Other TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C A A A C A A A   Exempt from ATR Yes
XXXXXX 4000090149 XXXXXX   XXXXXX     Credit Loan Package Documentation Closing / Title Missing Document  Missing Document: Security Instrument - Subject Lien not provided   Security Instrument missing in file       Reviewer Comment (2026-01-15): Cleared - security instrument provided.


Seller Comment (2026-01-15): Comment from XXXX (XXXX): rivas
 01/15/2026     1 D A D A D A D A D A   CT Investment Refinance - Cash-out - Other   D A D A A A A A   Exempt from ATR No
XXXXXX 4000090149 XXXXXX   XXXXXX     Credit Income / Employment Income Documentation Missing Document  REO Documents are missing. - Missing 2nd lien Mortgage statement to verify PI       Reviewer Comment (2026-01-19): Received HELOC Agreement to verify 2nd lien P&I for the property XXXX, XXXX, XXXXX. Exception cleared.


Seller Comment (2026-01-19): Comment from XXXX (XXXX): Closed simo, attached heloc and mortgage agreement
 01/19/2026     1 C A C A C A C A C A   CT Investment Refinance - Cash-out - Other   D A D A A A A A   Exempt from ATR No
XXXXXX 4000090149 XXXXXX   XXXXXX     Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Guideline Requirement: Investor qualifying total debt ratio discrepancy.   The subject rental loss was not included in the total expenses at origination. Subject qualifying P&I $XXXX, Total income $XXXX, Total expenses $XXXX       Reviewer Comment (2026-01-28): Subject Rental income based on schedule E, DTI meets guidelines


Reviewer Comment (2026-01-26): It does not appear the negative rents from the subject were taken into consideration at origination. Primary mortgage is $XXXX, Non subject negative rents -XXXXand subject negative rents is $-XXXX+ credit debt $XXXX= $XXXXtotal expenses. (subject negative rents is based on the qualifying P&I of $XXXX)


Reviewer Comment (2026-01-26): EXCEPTION HISTORY - Exception Explanation was updated on XXXX PRIOR Exception Explanation: Calculated investor qualifying total debt ratio of XXXX% exceeds Guideline total debt ratio of XXXX%.


Seller Comment (2026-01-26): Comment from XXXX (XXXX): Updated the P&I and the escrows to match the mortgage statement that was provided; XXXX+XXXX+XXXX=$XXXX; please advise where XXXX is getting the additional $XXXX


Reviewer Comment (2026-01-19): Subject property 1st lien P&I is $XXXX as per mortgage statement and 2nd lien Qualifying P&I is $XXXX as per the Investor Qualification Method used for HELOC. Hence, qualifying net rental loss of $XXXX is included in DTI, which results in an increased DTI of XXXX%. Exception remains.


Seller Comment (2026-01-19): Comment from XXXX (XXXX): 1003/1008/Calcs
 01/28/2026     1 C A C A C A C A C A   CT Investment Refinance - Cash-out - Other   D A D A A A A A   Exempt from ATR No
XXXXXX 4000106729 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided. The provided CU and/or LCA do not provide relief. Sec ID: 138   UCDPs are on file and do not provide relief. A secondary valuation is required to support the primary appraised value.       Reviewer Comment (2026-01-14): Received, Clearing.


Seller Comment (2026-01-14): Comment from XXXX (XXXX): CDA
 01/14/2026     1 D A A A D A   A D A   MA Investment Refinance - Cash-out - Other   D A A A A A D A   Exempt from ATR No
XXXXXX 4000104003 XXXXXX   XXXXXX     Compliance Compliance Federal Compliance ECOA ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation.       Reviewer Comment (2026-01-05): Accepted as is.
     01/05/2026 2 B B B B B B B B B B   OR Investment Refinance - Cash-out - Other   D D A A B B D D   Exempt from ATR No
XXXXXX 4000104003 XXXXXX   XXXXXX     Compliance Compliance Federal Compliance ECOA ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status.       Reviewer Comment (2026-01-05): Accepted as is.
     01/05/2026 2 B B B B B B B B B B   OR Investment Refinance - Cash-out - Other   D D A A B B D D   Exempt from ATR No
XXXXXX 4000104003 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 180 Note Date:  ___; Lien Position: ___ Secondary valuation not required in Heloc  file .       Reviewer Comment (2026-01-05): Accepted as is based on meeting two RAs requirements
       3 N/A N/A A A N/A N/A     D D   OR Investment Refinance - Cash-out - Other   D D A A B B D D   Exempt from ATR No
XXXXXX 4000104003 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 372 Note Date:  ___; Lien Position: ___ Secondary valuation not required in Heloc  file .       Reviewer Comment (2026-01-05): Accepted as is.
     01/05/2026 2 B B A A A A     A A   OR Investment Refinance - Cash-out - Other   D D A A B B D D   Exempt from ATR No
XXXXXX 4000104544 XXXXXX   XXXXXX     Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Guideline Requirement: Investor qualifying total debt ratio discrepancy. Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. Calculated investor qualifying total debt ratio of XXXX% exceeds Guideline total debt ratio of XXXX%. Verified debt $XXXX/ Verified income $XXXX.       Reviewer Comment (2026-01-08): The DTI initially appeared to exceed XXXX% due to the qualification method; however, the actual DTI is XXXX%, which is within guideline limits. Therefore, the exception is cleared.


Seller Comment (2026-01-07): Comment from XXXX (XXXX): Please see attached response.
 01/08/2026     1 C A C A C A C A C A   CA Primary Refinance - Cash-out - Other   C A C A A A B A   Exempt from ATR No
XXXXXX 4000104544 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-01-05): Accepted as is based on meeting two RAs requirements
       1 N/A N/A A A N/A N/A       N/A   CA Primary Refinance - Cash-out - Other   C A C A A A B A   Exempt from ATR No
XXXXXX 4000104544 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-01-05): Accepted as is.
     01/05/2026 2 A A A A A A     B B   CA Primary Refinance - Cash-out - Other   C A C A A A B A   Exempt from ATR No
XXXXXX 4000104524 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-01-05): Accepted as is based on meeting two RAs requirements
       1 N/A N/A A A N/A N/A       N/A   IL Investment Refinance - Cash-out - Other   B A A A A A B A   Exempt from ATR No
XXXXXX 4000104524 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-01-05): Accepted as is.
     01/05/2026 2 A A A A A A     B B   IL Investment Refinance - Cash-out - Other   B A A A A A B A   Exempt from ATR No
XXXXXX 4000105506 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-01-05): Accepted as is based on meeting three RAs requirements
       1 N/A N/A A A N/A N/A       N/A   CA Primary Refinance - Cash-out - Other   B A A A A A B A   Exempt from ATR No
XXXXXX 4000105506 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-01-05): Accepted as is.
     01/05/2026 2 A A A A A A     B B   CA Primary Refinance - Cash-out - Other   B A A A A A B A   Exempt from ATR No
XXXXXX 4000105201 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-01-06): Accepted as is based on meeting two RAs requirements
       1 N/A N/A A A N/A N/A     N/A N/A   GA Investment Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000105201 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___ Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date.       Reviewer Comment (2026-01-06): Accepted as is.
     01/06/2026 2 A A A A A A     B B   GA Investment Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000102039 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-01-06): Accepted as is.
     01/06/2026 2 A A A A A A     B B   AL Second Home Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000102039 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-01-06): Accepted as is based on meeting three RAs requirements
       1 N/A N/A A A N/A N/A     N/A N/A   AL Second Home Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000106869 XXXXXX   XXXXXX     Compliance Compliance Federal Compliance ECOA ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/XXXX)
Remove/Clear Exceptions		       Reviewer Comment (2026-01-06): Accepted as is.


Reviewer Comment (2026-01-06): Client elects to waive
     01/06/2026 2 B B B B B B B B B B   WI Second Home Refinance - Cash-out - Other   D D A A B B D D   Exempt from ATR No
XXXXXX 4000106869 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 180 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-01-06): Accepted as is based on meeting two RAs requirements
       3 N/A N/A A A N/A N/A     D D   WI Second Home Refinance - Cash-out - Other   D D A A B B D D   Exempt from ATR No
XXXXXX 4000106869 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 372 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-01-06): Accepted as is.
     01/06/2026 2 B B A A A A     A A   WI Second Home Refinance - Cash-out - Other   D D A A B B D D   Exempt from ATR No
XXXXXX 4000106869 XXXXXX   XXXXXX     Compliance Compliance Federal Compliance ECOA ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status.         Reviewer Comment (2026-01-06): Accepted as is.
     01/06/2026 2 B B B B B B B B B B   WI Second Home Refinance - Cash-out - Other   D D A A B B D D   Exempt from ATR No
XXXXXX 4000100568 XXXXXX   XXXXXX     Credit Loan Package Documentation Closing / Title Missing Document  Missing Document: Security Instrument - Subject Lien not provided   Security Instrument - Subject Lien is missing in file.       Reviewer Comment (2026-01-13): Received Security Instrument - Subject Lien. Exception cleared.


Seller Comment (2026-01-12): Comment from XXXX (XXXX): Mortgage
 01/13/2026     1 D A D A D A D A D A   MI Primary Refinance - Cash-out - Other   D A D A A A A A   Exempt from ATR No
XXXXXX 4000105331 XXXXXX   XXXXXX     Credit Loan Package Documentation Loan File Missing Document  Missing Document: Hazard Insurance Policy not provided           Reviewer Comment (2026-01-08): Received Hazard Insurance Policy. Exception cleared.


Seller Comment (2026-01-07): Comment from XXXX (XXXX): Please  see attached.
 01/08/2026     1 C A C A C A C A C A   NJ Primary Refinance - Cash-out - Other   C A C A A A A A   Exempt from ATR No
XXXXXX 4000105255 XXXXXX   XXXXXX     Compliance Compliance Federal Compliance TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act:  Subject loan transaction disbursed on XXXX, prior to three (3) business days from transaction date of XXXX.         Reviewer Comment (2026-01-08): Received, Clearing.


Seller Comment (2026-01-07): Comment from XXXX (XXXX): Please see attached disbursement ledger showing disbursement date XXXX.
 01/08/2026     1 C A C A C A C A C A   FL Primary Refinance - Cash-out - Other TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C A A A C A A A   Exempt from ATR Yes
XXXXXX 4000105255 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-01-07): Accepted as is based on meeting three RAs requirements
       1 N/A N/A A A N/A N/A     N/A N/A   FL Primary Refinance - Cash-out - Other   C A A A C A A A   Exempt from ATR No
XXXXXX 4000105255 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-01-07): Accepted as is.
     01/07/2026 2 A A A A A A     B B   FL Primary Refinance - Cash-out - Other   C A A A C A A A   Exempt from ATR No
XXXXXX 4000107059 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-01-07): Accepted as is.
     01/07/2026 2 A A A A A A     B B   GA Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000107059 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-01-07): Accepted as is based on meeting three RAs requirements
       1 N/A N/A A A N/A N/A     N/A N/A   GA Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000107481 XXXXXX   XXXXXX     Compliance Compliance Federal Compliance ECOA ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation.       Reviewer Comment (2026-01-08): Accepted as is.
     01/08/2026 2 B B B B B B B B B B   NJ Second Home Refinance - Cash-out - Other   D D C A B B D D   Exempt from ATR No
XXXXXX 4000107481 XXXXXX   XXXXXX     Credit Loan Package Documentation Application / Processing Loan Package Documentation FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected.   PDI ordered XXXX       Reviewer Comment (2026-01-13): Received, Clearing.


Reviewer Comment (2026-01-09): PCR is aerial satellite review of property not an actual visit. A PDI has been ordered.


Buyer Comment (2026-01-08): Comment from XXXX (XXXX): PCR is on page 41 of the loan file. Please waive
 01/13/2026     1 C A C A C A C A C A   NJ Second Home Refinance - Cash-out - Other   D D C A B B D D   Exempt from ATR No
XXXXXX 4000107481 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 180 Note Date:  ___; Lien Position: ___ Loan is to be securitized. One valuation was provided, with no XXXX or LCA       Reviewer Comment (2026-01-08): Accepted as is based on meeting three RAs requirements.
       3 N/A N/A A A N/A N/A     D D   NJ Second Home Refinance - Cash-out - Other   D D C A B B D D   Exempt from ATR No
XXXXXX 4000107481 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 372 Note Date:  ___; Lien Position: ___ Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date.       Reviewer Comment (2026-01-08): Accepted as is.
     01/08/2026 2 B B A A A A     A A   NJ Second Home Refinance - Cash-out - Other   D D C A B B D D   Exempt from ATR No
XXXXXX 4000107481 XXXXXX   XXXXXX     Property Valuation General Valuation Valuation Product pending   XXXX / Post Disaster Inspection + XXXX - XXXX Days       Reviewer Comment (2026-01-13): Received, Clearing.


Reviewer Comment (2026-01-12): Valuation Received - XXXX
 01/13/2026     1   A   A   A   A   A   NJ Second Home Refinance - Cash-out - Other   D D C A B B D D   Exempt from ATR No
XXXXXX 4000106943 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___ Loan is to be securitized. One valuation was provided, with no CU or LCA.       Reviewer Comment (2026-01-08): Accepted as is based on meeting three RAs requirements.
       1 N/A N/A A A N/A N/A     N/A N/A   CA Primary Refinance - Cash-out - Other   B B B B A A A A   Exempt from ATR No
XXXXXX 4000106943 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___ Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date.       Reviewer Comment (2026-01-08): Accepted as is.
     01/08/2026 2 A A A A A A     B B   CA Primary Refinance - Cash-out - Other   B B B B A A A A   Exempt from ATR No
XXXXXX 4000106943 XXXXXX   XXXXXX     Credit Insurance Insurance Analysis Insurance Hazard Insurance Policy expires within 90 days of the Note Date. Hazard Insurance Policy Expiration Date ___, Note Date ___ Current Hazard Insurance is expiring on XXXX which is within XXXX days of Note hence required renewed insurance of next year       Reviewer Comment (2026-01-08): Accepted as is.
     01/08/2026 2 B B B B B B B B B B   CA Primary Refinance - Cash-out - Other   B B B B A A A A   Exempt from ATR No
XXXXXX 4000106491 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-01-08): Accepted as is based on meeting three RAs requirements
       1 N/A N/A A A N/A N/A     N/A N/A   MD Investment Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000106686 XXXXXX   XXXXXX     Credit Loan Package Documentation Closing / Title Missing Document  Missing Document: Security Instrument - Subject Lien not provided   Security Instrument - Subject Lien is missing in file.       Reviewer Comment (2026-01-14): Received Security Instrument - Subject Lien. Exception cleared.


Seller Comment (2026-01-14): Comment from XXXX (XXXX): misc doc
 01/14/2026     1 D A D A D A D A D A   NJ Primary Refinance - Cash-out - Other   D A D A A A A A   Exempt from ATR No
XXXXXX 4000106686 XXXXXX   XXXXXX     Compliance Compliance Federal Compliance TILA Truth in Lending Act (HELOC): Fee amounts for testing were sourced from one or more fee documents in file containing higher amounts than that reflected on HELOC Agreement. Truth in Lending Act (HELOC): Fee amounts were sourced from multiple disclosures containing higher amounts than that reflected on HELOC Agreement.         Reviewer Comment (2026-01-08): Accepted as is.
     01/08/2026 2 A A A A A A A A A A   NJ Primary Refinance - Cash-out - Other   D A D A A A A A   Exempt from ATR No
XXXXXX 4000106686 XXXXXX   XXXXXX     Credit Income / Employment Income Documentation Income / Employment Verification(s) of employment is not within 10 business days of the Note. - Verification(s) of employment is not within XXXX business days of the Note.       Reviewer Comment (2026-01-13): Received Verification(s) of employment within 10 business days of the Note. Exception cleared.


Seller Comment (2026-01-13): Comment from XXXX (XXXX): rebuttal and VOE
 01/13/2026     1 C A C A C A C A C A   NJ Primary Refinance - Cash-out - Other   D A D A A A A A   Exempt from ATR No
XXXXXX 4000107527 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-01-08): Accepted as is based on meeting more than three RAs requirements
       1 N/A N/A A A N/A N/A     N/A N/A   NV Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000107527 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-01-08): Accepted as is.
     01/08/2026 2 A A A A A A     B B   NV Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000108023 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___ Full 1004 Appraisal in file. CU or LCA not provided.       Reviewer Comment (2026-01-08): Accepted as is based on meeting three RAs requirements
       1 N/A N/A A A N/A N/A     N/A N/A   CA Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000105428 XXXXXX   XXXXXX     Property Appraisal Reconciliation Appraisal Documentation Appraisal Reconciliation Appraisal from prior transaction provided. No secondary valuation with effective date less than 3 months past note date provided. Sec ID: 156 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-01-09): Accepted as is based on meeting three RAs requirements.
       1 N/A N/A A A N/A N/A     N/A N/A   MA Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000105428 XXXXXX   XXXXXX     Compliance Compliance Federal Compliance TILA Truth in Lending Act (HELOC): Fee amounts for testing were sourced from one or more fee documents in file containing higher amounts than that reflected on HELOC Agreement. Truth in Lending Act (HELOC): Fee amounts were sourced from multiple disclosures containing higher amounts than that reflected on HELOC Agreement.         Reviewer Comment (2026-01-09): Accepted as is.
     01/09/2026 2 A A A A A A A A A A   MA Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000107088 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-01-09): Accepted as is base on meeting RA requirements.
       1 N/A N/A A A N/A N/A     N/A N/A   AZ Investment Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000107088 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-01-09): Accepted as is.
     01/09/2026 2 A A A A A A     B B   AZ Investment Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000106929 XXXXXX   XXXXXX     Credit Missing Document General Missing Document Missing Document: Evidence of Access to Funds not provided           Reviewer Comment (2026-01-11): Funds from Business Accounts #XXXX and #XXXX are not being used for qualifying assets. Hence Evidence of Access to those funds is not required. Exception cleared.


Buyer Comment (2026-01-09): Comment from XXXX (XXXX): Can you advise what specifically is needed? This isn't a joint bank statement, so we are not sure what this is referring to.
 01/11/2026     1 C A C A C A C A C A   GA Primary Refinance - Cash-out - Other   C A C A A A A A   Exempt from ATR No
XXXXXX 4000106929 XXXXXX   XXXXXX     Credit Missing Document General Missing Document Missing Document: Evidence of Access to Funds not provided           Reviewer Comment (2026-01-11): Funds from Business Accounts #XXXX and #XXXX are not being used for qualifying assets. Hence Evidence of Access to those funds is not required. Exception cleared.


Buyer Comment (2026-01-09): Comment from XXXX(XXXX): Can you advise what specifically is needed? This isn't a joint bank statement, so we are not sure what this is referring to.
 01/11/2026     1 C A C A C A C A C A   GA Primary Refinance - Cash-out - Other   C A C A A A A A   Exempt from ATR No
XXXXXX 4000106762 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 372 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-01-09): Accepted as is.
     01/09/2026 2 B B A A A A     A A   IL Investment Refinance - Cash-out - Other   D B A A A A D B   Exempt from ATR No
XXXXXX 4000106762 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 181           Reviewer Comment (2026-01-14): Received, Clearing.


Seller Comment (2026-01-14): Comment from XXXX (XXXX): Please see CDA
 01/14/2026     1 N/A A D A N/A A   A D A   IL Investment Refinance - Cash-out - Other   D B A A A A D B   Exempt from ATR No
XXXXXX 4000097832 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 372 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-01-12): Accepted as is.
     01/12/2026 2 B B A A A A     A A   NY Primary Refinance - Cash-out - Other   D D C A B B D D   Exempt from ATR No
XXXXXX 4000097832 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 180 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-01-12): Accepted as is based on meeting two RAs requirements
       3 N/A N/A A A N/A N/A     D D   NY Primary Refinance - Cash-out - Other   D D C A B B D D   Exempt from ATR No
XXXXXX 4000097832 XXXXXX   XXXXXX     Credit Loan Package Documentation Application / Processing Loan Package Documentation FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected.           Reviewer Comment (2026-01-13): Received, Clearing.
 01/13/2026     1 C A C A C A C A C A   NY Primary Refinance - Cash-out - Other   D D C A B B D D   Exempt from ATR No
XXXXXX 4000097832 XXXXXX   XXXXXX     Compliance Compliance Federal Compliance ECOA ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation.         Reviewer Comment (2026-01-12): Accepted as is.
     01/12/2026 2 B B B B B B B B B B   NY Primary Refinance - Cash-out - Other   D D C A B B D D   Exempt from ATR No
XXXXXX 4000097832 XXXXXX   XXXXXX     Property Valuation General Valuation Valuation Product pending   XXXX / Post Disaster Inspection + XXXX - XXXX Days       Reviewer Comment (2026-01-13): Received, Clearing.


Reviewer Comment (2026-01-13): Valuation Received - XXXX
 01/13/2026     1   A   A   A   A   A   NY Primary Refinance - Cash-out - Other   D D C A B B D D   Exempt from ATR No
XXXXXX 4000105821 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-01-12): Accepted as is based on meeting three RAs requirements
       1 N/A N/A A A N/A N/A     N/A N/A   CA Investment Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000105821 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-01-12): Accepted as is.
     01/12/2026 2 A A A A A A     B B   CA Investment Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000101728 XXXXXX   XXXXXX     Property Appraisal Reconciliation Appraisal Documentation Appraisal Reconciliation Appraisal from prior transaction provided. No secondary valuation with effective date less than 3 months past note date provided. Sec ID: 156 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-02-09): Accepted as is based on meeting more than three RAs requirements


Seller Comment (2026-02-09): Comment from XXXX (XXXX): recert of value


Reviewer Comment (2026-02-05): Per guidelines: Appraisals are good for XXXX(XXXX) days. Any appraisal seasoned greater than XXXX
 (XXXX) days will require a recertification of value completed by the original licensed appraiser. A
recertification of value will be permitted up to XXXX (XXXX) days.


Seller Comment (2026-02-05): Comment from XXXX (XXXX): I am not sure why we need a 1004D., per XXXX the appraisal expires on XXXX and the loan funded on XXXX


Reviewer Comment (2026-02-04): Tracking number doesn't resolve this exception.


Buyer Comment (2026-02-04): Comment from XXXX (XXXX): tracking XXXX
       1 N/A N/A A A N/A N/A     N/A N/A   NY Primary Refinance - Cash-out - Other   D A D A A A A A   Exempt from ATR No
XXXXXX 4000101728 XXXXXX   XXXXXX     Credit Loan Package Documentation Closing / Title Missing Document  Missing Document: Security Instrument - Subject Lien not provided           Reviewer Comment (2026-01-31): Received, Clearing.


Seller Comment (2026-01-30): Comment from XXXX (XXXX): security instrument
 01/31/2026     1 D A D A D A D A D A   NY Primary Refinance - Cash-out - Other   D A D A A A A A   Exempt from ATR No
XXXXXX 4000101728 XXXXXX   XXXXXX     Credit Guideline Guideline Issue Guideline Aged document: Primary Valuation is older than guidelines permit - The date of the valuation is more than XXXX days from the note date and there was no recert of value in the loan file.       Reviewer Comment (2026-02-17): Recertification of value received


Seller Comment (2026-02-17): Comment from XXXX (XXXX): email rebuttal


Reviewer Comment (2026-02-16): Unfortunately, a CDA would not clear the exception. A recertification of value dated prior to closing would clear the exception.


Buyer Comment (2026-02-16): Comment from XXXX (XXXX): will you accept a CDA


Reviewer Comment (2026-02-09): Received appraisal update dated XXXX which is post closing. Documentation does not clear the exception as recert of value was not utilized at origination and appraisal was expired at closing. Exception remains.


Seller Comment (2026-02-09): Comment from XXXX (XXXX): recert of value


Reviewer Comment (2026-02-05): Per guidelines: Appraisals are good for XXXX(XXXX) days. Any appraisal seasoned greater than XXXX
 (XXXX) days will require a recertification of value completed by the original licensed appraiser. A
recertification of value will be permitted up to XXXX (XXXX) days.


Seller Comment (2026-02-05): Comment from XXXX (XXXX): I am not sure why we need a 1004D., per Encompass the appraisal expires on XXXX and the loan funded on XXXX
 02/17/2026     1 C A C A C A C A C A   NY Primary Refinance - Cash-out - Other   D A D A A A A A   Exempt from ATR No
XXXXXX 4000108110 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___ 1004 Valuation in file. CU or LCA not provided.       Reviewer Comment (2026-01-13): Accepted as is based on meeting three RAs requirements.
       1 N/A N/A A A N/A N/A     N/A N/A   CA Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000107450 XXXXXX   XXXXXX     Credit Title General Title Title Policy Coverage is less than Original Loan Amount. The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. Title Policy Coverage is less than Original Loan Amount.       Reviewer Comment (2026-01-13): Accepted as is.
     01/13/2026 2 B B B B B B B B B B   GA Primary Refinance - Cash-out - Other   B B B B A A A A   Exempt from ATR No
XXXXXX 4000107450 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___ Loan is to be Securitized. One Valuation was provided, with no CU or LCA.       Reviewer Comment (2026-01-13): Accepted as is based on meeting three RAs requirements
       1 N/A N/A A A N/A N/A     N/A N/A   GA Primary Refinance - Cash-out - Other   B B B B A A A A   Exempt from ATR No
XXXXXX 4000107450 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-01-13): Accepted as is.
     01/13/2026 2 A A A A A A     B B   GA Primary Refinance - Cash-out - Other   B B B B A A A A   Exempt from ATR No
XXXXXX 4000106076 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___ Loan is to be securitized. One valuation was provided, with no CU or LCA       Reviewer Comment (2026-01-13): Accepted as is based on meeting three RAs requirements
       1 N/A N/A A A N/A N/A     N/A N/A   MI Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000106076 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___ Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date       Reviewer Comment (2026-01-13): Accepted as is.
     01/13/2026 2 A A A A A A     B B   MI Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000108924 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-01-13): Accepted as is based on meeting three RAs requirements
       1 N/A N/A A A N/A N/A     N/A N/A   CA Primary Refinance - Cash-out - Other   B B B B A A A A   Exempt from ATR No
XXXXXX 4000108924 XXXXXX   XXXXXX     Credit Title Document Error Title The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided.   The Preliminary title policy is within XXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided.       Reviewer Comment (2026-01-13): Accepted as is.
     01/13/2026 2 B B B B B B B B B B   CA Primary Refinance - Cash-out - Other   B B B B A A A A   Exempt from ATR No
XXXXXX 4000108924 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___ Secondary valuation is not required for HELOC file.       Reviewer Comment (2026-01-13): Accepted as is.
     01/13/2026 2 A A A A A A     B B   CA Primary Refinance - Cash-out - Other   B B B B A A A A   Exempt from ATR No
XXXXXX 4000106818 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___ Loan is to be securitized. One valuation was provided, with no CU or LCA.       Reviewer Comment (2026-01-13): Accepted as is based on meeting two RAs requirements
       1 N/A N/A A A N/A N/A     N/A N/A   MD Primary Refinance - Cash-out - Other   B B A A B B A A   Exempt from ATR No
XXXXXX 4000106818 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___ Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date.       Reviewer Comment (2026-01-13): Accepted as is.
     01/13/2026 2 A A A A A A     B B   MD Primary Refinance - Cash-out - Other   B B A A B B A A   Exempt from ATR No
XXXXXX 4000106818 XXXXXX   XXXXXX     Compliance Compliance Federal Compliance RESPA RESPA Disclosure - List of Homeownership Counseling Organizations Missing RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. Creditor did not provide List of Homeownership Counseling Organizations to borrower.       Reviewer Comment (2026-01-13): Accepted as is.
     01/13/2026 2 B B B B B B B B B B   MD Primary Refinance - Cash-out - Other   B B A A B B A A   Exempt from ATR No
XXXXXX 4000105799 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-01-13): Accepted as is.
     01/13/2026 2 A A A A A A     B B   FL Primary Refinance - Cash-out - Other   C A C A A A A A   Exempt from ATR No
XXXXXX 4000105799 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-01-13): Accepted as is based on meeting two RAs requirements
       1 N/A N/A A A N/A N/A     N/A N/A   FL Primary Refinance - Cash-out - Other   C A C A A A A A   Exempt from ATR No
XXXXXX 4000105799 XXXXXX   XXXXXX     Credit Insurance Insurance Documentation Insurance Missing Document: Flood Insurance Policy not provided   Flood Insurance Policy is missing       Reviewer Comment (2026-01-13): Received Flood Insurance. Exception cleared.


Seller Comment (2026-01-13): Comment from XXXX (XXXX): Please see attached.
 01/13/2026     1 C A C A C A C A C A   FL Primary Refinance - Cash-out - Other   C A C A A A A A   Exempt from ATR No
XXXXXX 4000107040 XXXXXX   XXXXXX     Credit Loan Package Documentation Loan File Missing Document  Missing Document: Hazard Insurance Policy not provided   Hazard Insurance Policy is Missing       Reviewer Comment (2026-01-13): Received Hazard Insurance Policy. Exception cleared.


Seller Comment (2026-01-13): Comment from XXXX (XXXX): Please see attached.
 01/13/2026     1 C A C A C A C A C A   IL Primary Refinance - Cash-out - Other   C B C B A A A A   Exempt from ATR No
XXXXXX 4000107040 XXXXXX   XXXXXX     Credit Title General Title Title Policy Coverage is less than Original Loan Amount. The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. Title Policy Coverage is less than Original Loan Amount.       Reviewer Comment (2026-01-13): Accepted as is.
     01/13/2026 2 B B B B B B B B B B   IL Primary Refinance - Cash-out - Other   C B C B A A A A   Exempt from ATR No
XXXXXX 4000107040 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___ Loan is to be securitized. One valuation was provided, with no CU or LCA       Reviewer Comment (2026-01-13): Loan summary pages acceptable per client
       1 N/A N/A A A N/A N/A     N/A N/A   IL Primary Refinance - Cash-out - Other   C B C B A A A A   Exempt from ATR No
XXXXXX 4000107040 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___ Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date       Reviewer Comment (2026-01-13): Accepted as is.
     01/13/2026 2 A A A A A A     B B   IL Primary Refinance - Cash-out - Other   C B C B A A A A   Exempt from ATR No
XXXXXX 4000108328 XXXXXX   XXXXXX     Credit Loan Package Documentation Closing / Title Missing Document  Missing Document: Security Instrument - Subject Lien not provided   Security Instrument for Subject Lien not provided.       Reviewer Comment (2026-01-26): Received Security Instrument - Subject Lien. Exception cleared.


Seller Comment (2026-01-23): Comment from XXXX (XXXX): Please see attached security instrument.
 01/26/2026     1 D A D A D A D A D A   NY Investment Refinance - Cash-out - Other   D A D A A A A A   Exempt from ATR No
XXXXXX 4000108328 XXXXXX   XXXXXX     Credit Income / Employment Income Documentation Income / Employment Income Docs Missing: - XXXX       Reviewer Comment (2026-01-30): Received, Clearing.


Seller Comment (2026-01-29): Comment from XXXX (XXXX): Please see attached CPA letter and XXXX XXXX that was added in the description.


Reviewer Comment (2026-01-27): Still missing for XXXX  & XXXX.


Seller Comment (2026-01-26): Comment from XXXX (XXXX): Please see attached SOS searches with date.


Reviewer Comment (2026-01-19): The received document does not confirm the Verification of Employment within XXXX (XXXX) calendar days prior to the Note Date. Exception remains.


Seller Comment (2026-01-19): Comment from XXXX (XXXX): Please see attached NY SOS searches. All business are active.
 01/30/2026     1 C A C A C A C A C A   NY Investment Refinance - Cash-out - Other   D A D A A A A A   Exempt from ATR No
XXXXXX 4000108402 XXXXXX   XXXXXX     Credit Credit Miscellaneous Guideline Credit Exception:   Lender Exception approved for Property Zoning with Compensating factors FICO 737 and HCLTV 62.9%. HELOC guidelines state that properties with agricultural zoning or characteristics are ineligible property types. On this file, there are horses/horse stalls and it is zoned as agricultural. The file is low risk since the property is not rural and the property is not a hobby or working farm. The horses are for personal use. Borrower has been employed in the same industry for more than 5 years.

Borrower has owned the subject property for at least 5 years.

Borrower has verified disposable income of at least $2500.00.

Borrower has worked in the same position for more than 3 years.

The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.		   SitusAMC

SitusAMC

SitusAMC

SitusAMC

SitusAMC		 Reviewer Comment (2026-01-14): Lender exception approved
     01/14/2026 2 B B B B B B B B B B   UT Primary Refinance - Cash-out - Other   B B B B A A A A   Exempt from ATR No
XXXXXX 4000108402 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___ Loan is to be securitized. One valuation was provided, with no CU or LCA.       Reviewer Comment (2026-01-14): Accepted as is based on meeting three RAs requirements
       1 N/A N/A A A N/A N/A     N/A N/A   UT Primary Refinance - Cash-out - Other   B B B B A A A A   Exempt from ATR No
XXXXXX 4000109504 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___ XXXX AVM by XXXX in file. CU or LCA not provided.       Reviewer Comment (2026-01-14): Accepted as is.
     01/14/2026 2 A A A A A A     B B   CA Investment Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000109504 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___ XXXX AVM by XXXX in file. CU or LCA not provided.       Reviewer Comment (2026-01-14): Accepted as is based on meeting three RAs requirements
       1 N/A N/A A A N/A N/A     N/A N/A   CA Investment Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000105539 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-01-14): Accepted as is.
     01/14/2026 2 A A A A A A     B B   NJ Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000105539 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___ One valuation was provided, with no CU or LCA.       Reviewer Comment (2026-01-14): Accepted as is based on meeting two RAs requirements
       1 N/A N/A A A N/A N/A     N/A N/A   NJ Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000107431 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-01-14): Accepted as is.
     01/14/2026 2 A A A A A A     B B   PA Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000107431 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___ Loan is to be securitized. AVM was provided, with no CU or LCA.       Reviewer Comment (2026-01-14): Accepted as is based on meeting two RAs requirements
       1 N/A N/A A A N/A N/A     N/A N/A   PA Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000104922 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-01-14): Accepted as is.
     01/14/2026 2 A A A A A A     B B   NC Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000104922 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___ CU and/or LCA Risk Score is <= XXXXhowever secondary appraisal available in file hence updated.       Reviewer Comment (2026-01-14): Accepted as is based on meeting three RAs requirements
       1 N/A N/A A A N/A N/A     N/A N/A   NC Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000108095 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-01-15): Accepted as is.
     01/15/2026 2 A A A A A A     B B   VA Primary Refinance - Cash-out - Other   B B A A A A B B   Exempt from ATR No
XXXXXX 4000108105 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___ ICE XXXX Value AVM dated XXXX. The Application date is XXXX. The Note date is XXXX.       Reviewer Comment (2026-01-15): Accepted as is.
     01/15/2026 2 A A A A A A     B B   NJ Primary Refinance - Cash-out - Other   C A A A C A A A   Exempt from ATR No
XXXXXX 4000108105 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___ ICE XXXX Value dated XXXX CU and LCA not provided.       Reviewer Comment (2026-01-15): Accepted as is based on meeting two RAs requirements
       1 N/A N/A A A N/A N/A     N/A N/A   NJ Primary Refinance - Cash-out - Other   C A A A C A A A   Exempt from ATR No
XXXXXX 4000108105 XXXXXX   XXXXXX     Compliance Compliance Federal Compliance TILA Truth in Lending Act (HELOC): Fees on HELOC Agreement underdisclosed Truth in Lending Act (HELOC): Fees on HELOC Agreement underdisclosed from Line of Credit Closing Statement (Loan Origination Fee) HELOC Agreement Origination fee reflects $XXXX and HUD Settlement document reflects $XXXX.       Reviewer Comment (2026-01-16): Origination fee is inclusive of application fee


Seller Comment (2026-01-15): Comment from XXXX (XXXX): Please see attached.
 01/16/2026     1 C A C A C A C A C A   NJ Primary Refinance - Cash-out - Other Provide the following: Letter of Explanation notifying borrower of the error and providing correct information, Proof of Delivery, Refund check for under-disclosed amount, and Re-open Rescission if applicable. C A A A C A A A   Exempt from ATR Yes
XXXXXX 4000108105 XXXXXX   XXXXXX     Compliance Compliance Federal Compliance TILA Truth in Lending Act (HELOC): Fee amounts for testing were sourced from one or more fee documents in file containing higher amounts than that reflected on HELOC Agreement. Truth in Lending Act (HELOC): Fee amounts were sourced from multiple disclosures containing higher amounts than that reflected on HELOC Agreement. HELOC Agreement Origination fee reflects $XXXXand HUD Settlement document reflects $XXXX.       Reviewer Comment (2026-01-15): .


Reviewer Comment (2026-01-15): Accepted as is.
     01/15/2026 2 A A A A A A A A A A   NJ Primary Refinance - Cash-out - Other   C A A A C A A A   Exempt from ATR No
XXXXXX 4000104366 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 180 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-01-16): Accepted as is based on meeting two RAs requirements
       3 N/A N/A A A N/A N/A     D D   MS Second Home Refinance - Cash-out - Other   D D C B B B D D   Exempt from ATR No
XXXXXX 4000104366 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 372 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-01-16): Accepted as is.
     01/16/2026 2 B B A A A A     A A   MS Second Home Refinance - Cash-out - Other   D D C B B B D D   Exempt from ATR No
XXXXXX 4000104366 XXXXXX   XXXXXX     Compliance Compliance Federal Compliance ECOA ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation.         Reviewer Comment (2026-01-16): Accepted as is.
     01/16/2026 2 B B B B B B B B B B   MS Second Home Refinance - Cash-out - Other   D D C B B B D D   Exempt from ATR No
XXXXXX 4000104366 XXXXXX   XXXXXX     Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Guideline Requirement: Investor qualifying total debt ratio discrepancy. Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. Calculated investor qualifying total debt ratio of XXXX% exceeds Guideline total debt ratio of XXXX%. Verified debt $XXXX / Verified Income $XXXX.       Reviewer Comment (2026-02-18): Cleared lender exception approved.


Seller Comment (2026-02-18): Comment from XXXX (XXXX): An exception has been approved. Please clear


Reviewer Comment (2026-02-03): An exception is needed since it exceeds XXXX DTI.


Reviewer Comment (2026-02-02): EXCEPTION HISTORY - Exception Explanation was updated on XXXX PRIOR Exception Explanation: Calculated investor qualifying total debt ratio of XXXX% exceeds Guideline total debt ratio of XXXX%.


Reviewer Comment (2026-02-02): EXCEPTION HISTORY - Exception Explanation was updated on XXXX PRIOR Exception Explanation: Calculated investor qualifying total debt ratio of XXXX% exceeds Guideline total debt ratio of 50.00000%.


Buyer Comment (2026-02-02): Comment from XXXX (XXXX): Please escalate this. This is off by $XXXX.  HELOC guidelines do not require the non-subject P&I amounts to match the mortgage statements.  The tri-merge credit report mortgage payment amounts are sufficient and standard to use for DTI qualifying.  The taxes & HOI are added back only when the  mortgages are not escrowing.


Reviewer Comment (2026-01-21): Total Monthly Verified Income: $XXXX and Total Monthly Qualifying debt $XXXX( $XXXX subject PITIA + PITIA $XXXX for property at XXXX + PITIA $XXXX for property at XXXX + PITIA $XXXX for property at XXXX +all other debts of $XXXX= $XXXX
$XXXX ÷ $XXXX= XXXX%. Hence DTI is not within guideline limit. Exception remains.


Buyer Comment (2026-01-20): Comment from XXXX (XXXX): Total Monthly Verified Income: $XXXX
Total Monthly Qualifying: $XXXX(subject housing) + $XXXX(all other debts and REO PITI) = $XXXX
$XXXX÷ $XXXX= XXXX%
 02/18/2026     1 C A C A C A C A C A   MS Second Home Refinance - Cash-out - Other   D D C B B B D D   Exempt from ATR No
XXXXXX 4000104366 XXXXXX   XXXXXX     Credit Credit Miscellaneous Guideline Credit Exception:   Lender exception approved for DTI exceeding guidelines of XXXX%. Borrower has been employed in the same industry for more than 5 years.

Borrower has verified disposable income of at least $2500.00.

Borrower has worked in the same position for more than 3 years.

The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.

The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.		   SitusAMC

SitusAMC

SitusAMC

SitusAMC

SitusAMC		 Reviewer Comment (2026-02-18): Client elects to accept as is


Reviewer Comment (2026-02-18): Client elects to waive/regrade with compensating factors.
     02/18/2026 2   B   B   B   B   B   MS Second Home Refinance - Cash-out - Other   D D C B B B D D   Exempt from ATR No
XXXXXX 4000105056 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___ Secondary valuation is not required for second lien files as per HELOC program.       Reviewer Comment (2026-01-16): Accepted as is.
     01/16/2026 2 A A A A A A     B B   NC Investment Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000105056 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___ Secondary valuation is not required for second lien files as per HELOC program.       Reviewer Comment (2026-01-16): Accepted as is based on meeting two RAs requirements
       1 N/A N/A A A N/A N/A     N/A N/A   NC Investment Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000107341 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-01-16): Accepted as is based on meeting three RAs requirements
       1 N/A N/A A A N/A N/A     N/A N/A   AZ Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000107341 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-01-16): Accepted as is.
     01/16/2026 2 A A A A A A     B B   AZ Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000099181 XXXXXX   XXXXXX     Compliance Compliance Federal Compliance ECOA ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. Receipt of Appraisal is missing.       Reviewer Comment (2026-01-16): Accepted as is.


Seller Comment (2026-01-16): Comment from XXXX (XXXX): Please see attached.
     01/16/2026 2 B B B B B B B B B B   IN Primary Refinance - Cash-out - Other   B B A A B B A A   Exempt from ATR No
XXXXXX 4000106812 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-01-16): Accepted as is.
     01/16/2026 2 A A A A A A     B B   WA Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000106812 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-01-16): Accepted as is based on meeting three RAs requirements
       1 N/A N/A A A N/A N/A     N/A N/A   WA Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000107523 XXXXXX   XXXXXX     Credit Loan Package Documentation Loan File Missing Document  Missing Document: Hazard Insurance Policy not provided   Hazard Insurance Policy is Missing.       Reviewer Comment (2026-01-16): Cleared- Hazard policy received.


Seller Comment (2026-01-16): Comment from XXXX (XXXX): Please  see attached.
 01/16/2026     1 C A C A C A C A C A   GA Primary Refinance - Cash-out - Other   C A C A A A A A   Exempt from ATR No
XXXXXX 4000107523 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___ XXXX AVM in file. CU or LCA not provided.       Reviewer Comment (2026-01-16): Accepted as is based on meeting two RAs requirements
       1 N/A N/A A A N/A N/A     N/A N/A   GA Primary Refinance - Cash-out - Other   C A C A A A A A   Exempt from ATR No
XXXXXX 4000107523 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___ XXXX AVM in file. CU or LCA not provided.       Reviewer Comment (2026-01-16): Accepted as is.
     01/16/2026 2 A A A A A A     B B   GA Primary Refinance - Cash-out - Other   C A C A A A A A   Exempt from ATR No
XXXXXX 4000109606 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-01-20): Accepted as is.
     01/20/2026 2 A A A A A A     B B   NM Primary Refinance - Cash-out - Other   C B A A C B A A   Exempt from ATR No
XXXXXX 4000109606 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-01-16): Accepted as is based on meeting two RAs requirements
       1 N/A N/A A A N/A N/A     N/A N/A   NM Primary Refinance - Cash-out - Other   C B A A C B A A   Exempt from ATR No
XXXXXX 4000109606 XXXXXX   XXXXXX     Compliance Compliance State Compliance State Defect (State High Cost Provision) New Mexico High-Cost Loan (Counseling Requirement) XXXX High-Cost Loan: No evidence borrower received home-ownership counseling.         Reviewer Comment (2026-02-06): XXXX exception cured.


Buyer Comment (2026-02-06): Comment from XXXX (XXXX): TF XXXX Please see attached lender attestation letter


Reviewer Comment (2026-02-05): Received evidence the refund was provided to the borrower. However, in order to complete the cure, please provide confirmation (via letter or email) that the lender implemented the cure prior to receiving any notice from the borrower of the NM high cost violation.


Buyer Comment (2026-02-05): Comment from XXXX (XXXX): TF XXXX Please see attached proof of delivery


Reviewer Comment (2026-01-29): In order to complete the cure, need confirmation (via letter or email) that the lender implemented the cure prior to receiving any notice from the borrower of the NM high cost violation.

NM Stat § XXXX
C. A creditor is not liable in an action brought pursuant to this section if:

(1) within thirty days of the home loan closing and prior to receiving any notice from the borrower of the violation, the creditor has made appropriate restitution to the borrower, and appropriate adjustments are made to the loan.

Please provide.


Buyer Comment (2026-01-29): Comment from XXXX (XXXX): XXXX  Disagree - the Lender defense does not say we need to wait til delivery, it says "within 30 days of the home loan closing and prior to receiving any notice from the borrower of the violation, the lender has made appropriate restitution to the borrower, and appropriate adjustments are made to the loan;". Please clear


Reviewer Comment (2026-01-27): Please requeue exception once cure documentation has been delivered


Buyer Comment (2026-01-27): Comment from XXXX (XXXX): TF XXXX Please see attached Letter of Explanation, Proof of Delivery, and refund check.
 02/06/2026     1 C A C A C A C A C A   NM Primary Refinance - Cash-out - Other See any available cure under New Mexico high-cost threshold exception. C B A A C B A A   Exempt from ATR No
XXXXXX 4000109606 XXXXXX   XXXXXX     Compliance Compliance State Compliance State Defect (State High Cost Provision) New Mexico High-Cost Loan (Financed Fees Exceeds Threshold) XXXX High-Cost Loan:  Fees financed exceed XXXX% of the Principal Loan Amount.         Reviewer Comment (2026-02-06): XXXX exception cured.


Buyer Comment (2026-02-06): Comment from XXXX (XXXX): TF XXXX Please see attached lender attestation letter


Reviewer Comment (2026-02-05): Received evidence the refund was provided to the borrower. However, in order to complete the cure, please provide confirmation (via letter or email) that the lender implemented the cure prior to receiving any notice from the borrower of the NM high cost violation.


Buyer Comment (2026-02-05): Comment from XXXX (XXXX): TF XXXX Please see attached proof of delivery


Reviewer Comment (2026-01-29): In order to complete the cure, need confirmation (via letter or email) that the lender implemented the cure prior to receiving any notice from the borrower of the NM high cost violation.

NM Stat § XXXX
C. A creditor is not liable in an action brought pursuant to this section if:

(1) within thirty days of the home loan closing and prior to receiving any notice from the borrower of the violation, the creditor has made appropriate restitution to the borrower, and appropriate adjustments are made to the loan.

Please provide.


Buyer Comment (2026-01-29): Comment from XXXX (XXXX): XXXX Disagree - the Lender defense does not say we need to wait til delivery, it says "within 30 days of the home loan closing and prior to receiving any notice from the borrower of the violation, the lender has made appropriate restitution to the borrower, and appropriate adjustments are made to the loan;". Please clear


Reviewer Comment (2026-01-27): Please requeue exception once cure documentation has been delivered


Buyer Comment (2026-01-27): Comment from XXXX (XXXX): TF XXXX Please see attached Letter of Explanation, Proof of Delivery, and refund check.
 02/06/2026     1 C A C A C A C A C A   NM Primary Refinance - Cash-out - Other See any available cure under New Mexico high-cost threshold exception. C B A A C B A A   Exempt from ATR No
XXXXXX 4000109606 XXXXXX   XXXXXX     Compliance Compliance State Compliance State Defect (State High Cost Disclosure) New Mexico High-Cost Loan (High Cost Notice to Borrower Not Provided) XXXX High-Cost Loan:  Borrower not provided with High-Cost Notice to Borrower disclosure.         Reviewer Comment (2026-02-06): XXXX exception cured.


Buyer Comment (2026-02-06): Comment from XXXX (XXXX): TF XXXX Please see attached lender attestation letter


Reviewer Comment (2026-02-05): Received evidence the refund was provided to the borrower. However, in order to complete the cure, please provide confirmation (via letter or email) that the lender implemented the cure prior to receiving any notice from the borrower of the NM high cost violation.


Buyer Comment (2026-02-05): Comment from XXXX (XXXX): TF XXXX Please see attached proof of delivery


Reviewer Comment (2026-01-29): In order to complete the cure, need confirmation (via letter or email) that the lender implemented the cure prior to receiving any notice from the borrower of the NM high cost violation.

NM Stat § XXXX
C. A creditor is not liable in an action brought pursuant to this section if:

(1) within thirty days of the home loan closing and prior to receiving any notice from the borrower of the violation, the creditor has made appropriate restitution to the borrower, and appropriate adjustments are made to the loan.

Please provide.


Buyer Comment (2026-01-29): Comment from XXXX (XXXX): XXXX Disagree - the Lender defense does not say we need to wait til delivery, it says "within 30 days of the home loan closing and prior to receiving any notice from the borrower of the violation, the lender has made appropriate restitution to the borrower, and appropriate adjustments are made to the loan;". Please clear


Reviewer Comment (2026-01-27): Please requeue exception once cure documentation has been delivered


Buyer Comment (2026-01-27): Comment from XXXX (XXXX): TF XXXX Please see attached Letter of Explanation, Proof of Delivery, and refund check.
 02/06/2026     1 C A C A C A C A C A   NM Primary Refinance - Cash-out - Other See any available cure under New Mexico high-cost threshold exception. C B A A C B A A   Exempt from ATR No
XXXXXX 4000109606 XXXXXX   XXXXXX     Compliance Compliance State Compliance State Defect (State High Cost) New Mexico High-Cost Loan (Points and Fees) XXXX Home Loan Protection Act: Points and Fees on subject loan of XXXX% is in excess of the allowable maximum of  XXXX% of the Total Loan Amount. Points and Fees total $XXXX on a Total Loan Amount of $XXXXvs. an allowable total of $XXXX (an overage of $XXXX or .XXXX%).  Non-Compliant High Cost Loan.         Reviewer Comment (2026-02-06): XXXX received LOE, copy of refund check, attestation of no notice, and proof of delivery.


Seller Comment (2026-02-06): Comment from XXXX (XXXX): TF XXXX Please see attached lender attestation letter


Reviewer Comment (2026-02-05): Received evidence the refund was provided to the borrower. However, in order to complete the cure, please provide confirmation (via letter or email) that the lender implemented the cure prior to receiving any notice from the borrower of the NM high cost violation.


Seller Comment (2026-02-05): Comment from XXXX (XXXX): TF XXXX Please see attached proof of delivery


Reviewer Comment (2026-01-29): In order to complete the cure, need confirmation (via letter or email) that the lender implemented the cure prior to receiving any notice from the borrower of the NM high cost violation.

NM Stat § XXXX
C. A creditor is not liable in an action brought pursuant to this section if:

(1) within thirty days of the home loan closing and prior to receiving any notice from the borrower of the violation, the creditor has made appropriate restitution to the borrower, and appropriate adjustments are made to the loan.

Please provide.


Buyer Comment (2026-01-29): Comment from XXXX (XXXX): TF XXXX  The points and fees definition in the statute is clear. Subsection (d) (3) explicitly lists "title closing" along with other title services as being excludable from points and fees. Our high cost testing is accurate, the Settlement/Closing fee should not be included in the points and fees.


Buyer Comment (2026-01-29): Comment from XXXX (XXXX): TF XXXX  Disagree - the Lender defense does not say we need to wait til delivery, it says "within 30 days of the home loan closing and prior to receiving any notice from the borrower of the violation, the lender has made appropriate restitution to the borrower, and appropriate adjustments are made to the loan;". Please clear


Reviewer Comment (2026-01-27): Please requeue exception once cure documentation has been delivered


Seller Comment (2026-01-27): Comment from XXXX (XXXX): TF XXXX Please see attached Letter of Explanation, Proof of Delivery, and refund check.
   02/06/2026   2 C B C B C B C B C B   NM Primary Refinance - Cash-out - Other Within 30 days of loan closing and prior to receiving any notice from the borrower of the violation, make appropriate restitution to the borrower and make appropriate adjustments to the loan.

(Limited Use Bona Fide Errors - Compliance and Client Approval Required)  Within 60 days of closing, provide:
(1) Legal opinion from originating lender with loan-specific details on how a high-cost loan was made despite procedures to prevent and confirms (i) the failure constitutes a bona fide error for the jurisdiction in which the property is located, and (ii) that the lender has not received any notice from the borrower of the failure; (2) procedures or explanation of controls in place to prevent such errors; (3) client written approval accepting use of the bona fide error cure; (4) Letter of Explanation to borrower; (5) refund of amount over the high-cost threshold maximum; and (6) proof of mailing (must be in transit with courier).  Note, a cure may not be accepted if the seller/lender has certified a fix has been made to their system and the same issue continues to occur after the fix has been put into place.		 C B A A C B A A   Exempt from ATR Yes
XXXXXX 4000107244 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. No eligible valuation was provided. Sec ID: 179   Loan is to be securitized. One valuation was provided, with no CU or LCA.       Reviewer Comment (2026-01-22): Full appraisal provided
 01/22/2026     1 D A D A D A   A D A   CA Investment Refinance - Cash-out - Other   D B A A A B D A   Exempt from ATR No
XXXXXX 4000107244 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 372 Note Date:  ___; Lien Position: ___ Loan is to be securitized. One valuation was provided, with no CU or LCA.       Reviewer Comment (2026-06-03): Clearing.


Reviewer Comment (2026-06-03): .


Reviewer Comment (2026-01-20): Accepted as is.
 06/03/2026     1 B A A A A A   A A A   CA Investment Refinance - Cash-out - Other   D B A A A B D A   Exempt from ATR No
XXXXXX 4000107244 XXXXXX   XXXXXX     Compliance Compliance Federal Compliance ECOA ECOA Appraisal - Appraisal Provided Prior to Date Performed ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed.  Unable to determine compliance with appraisal timing requirements.         Reviewer Comment (2026-01-22): Client elects to waive
     01/22/2026 2   B   B   B   B   B   CA Investment Refinance - Cash-out - Other   D B A A A B D A   Exempt from ATR No
XXXXXX 4000108704 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___ XXXX AVM is dated XXXX. The Application Date is XXXX. The Note Date is XXXX.       Reviewer Comment (2026-01-20): Accepted as is.
     01/20/2026 2 A A A A A A     B B   CA Primary Refinance - Cash-out - Other   C A C A A A A A   Exempt from ATR No
XXXXXX 4000108704 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___ XXXX AVM in file. CU or LCA not provided.       Reviewer Comment (2026-01-20): Accepted as is based on meeting more than three RAs requirements
       1 N/A N/A A A N/A N/A     N/A N/A   CA Primary Refinance - Cash-out - Other   C A C A A A A A   Exempt from ATR No
XXXXXX 4000108704 XXXXXX   XXXXXX     Credit Income / Employment Income Documentation Income / Employment Income Docs Missing: - Verification of Employment and WVOE/Pay stubs and W-2s are missing for current employment.       Reviewer Comment (2026-01-22): Received paystubs, w-2s and VVOE for current employer


Seller Comment (2026-01-22): Comment from XXXX (XXXX): docs
 01/22/2026     1 C A C A C A C A C A   CA Primary Refinance - Cash-out - Other   C A C A A A A A   Exempt from ATR No
XXXXXX 4000108704 XXXXXX   XXXXXX     Credit Income / Employment Income Documentation Income / Employment Verification(s) of employment is not within 10 business days of the Note. - Verification of Employment for current employment is missing.       Reviewer Comment (2026-01-22): Received VVOE dated within 10 days


Seller Comment (2026-01-22): Comment from XXXX (XXXX): docs
 01/22/2026     1 C A C A C A C A C A   CA Primary Refinance - Cash-out - Other   C A C A A A A A   Exempt from ATR No
XXXXXX 4000109800 XXXXXX   XXXXXX     Credit Title General Title Title Policy Coverage is less than Original Loan Amount. The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. Title Policy Coverage is less than Original Loan Amount.       Reviewer Comment (2026-01-20): Accepted as is.
     01/20/2026 2 B B B B B B B B B B   WA Primary Refinance - Cash-out - Other   B B B B A A B B   Exempt from ATR No
XXXXXX 4000109800 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___ Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date       Reviewer Comment (2026-01-20): Accepted as is.
     01/20/2026 2 A A A A A A     B B   WA Primary Refinance - Cash-out - Other   B B B B A A B B   Exempt from ATR No
XXXXXX 4000109994 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-01-21): Accepted as is based on meeting three RAs requirements
       1 N/A N/A A A N/A N/A     N/A N/A   WA Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000109994 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-01-21): Accepted as is.
     01/21/2026 2 A A A A A A     B B   WA Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000110080 XXXXXX   XXXXXX     Credit Title General Title Title Policy Coverage is less than Original Loan Amount. The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. The Title Policy Amount of $XXXX is less than the note amount of $XXXX based on the Preliminary in file.       Reviewer Comment (2026-01-21): Accepted as is.
     01/21/2026 2 B B B B B B B B B B   CA Primary Refinance - Cash-out - Other   B B B B A A B B   Exempt from ATR No
XXXXXX 4000110080 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-01-21): Accepted as is.
     01/21/2026 2 A A A A A A     B B   CA Primary Refinance - Cash-out - Other   B B B B A A B B   Exempt from ATR No
XXXXXX 4000107992 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-01-21): Accepted as is.
     01/21/2026 2 A A A A A A     B B   CA Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000107992 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-01-21): Accepted as is based on meeting three RAs requirements.
       1 N/A N/A A A N/A N/A     N/A N/A   CA Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000109802 XXXXXX   XXXXXX     Credit Loan Package Documentation Closing / Title Collateral Security Instrument is not signed by borrower(s).   Security Instrument is not signed by Borrower.       Reviewer Comment (2026-01-23): Received Signed copy of Security Instrument. Exception cleared.


Seller Comment (2026-01-22): Comment from XXXX (XXXX): CT XXXX: Please see the attached //
 01/23/2026     1 C A C A C A C A C A   NY Investment Refinance - Cash-out - Other   C A C A A A A A   Exempt from ATR No
XXXXXX 4000109802 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___ XXXX AVM in file. CU or LCA not provided.       Reviewer Comment (2026-01-21): Accepted as is based on meeting two RAs requirements
       1 N/A N/A A A N/A N/A     N/A N/A   NY Investment Refinance - Cash-out - Other   C A C A A A A A   Exempt from ATR No
XXXXXX 4000109802 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___ XXXXAVM dated XXXX. The Application date is XXXX. The Note date is XXXX.       Reviewer Comment (2026-01-21): Accepted as is.
     01/21/2026 2 A A A A A A     B B   NY Investment Refinance - Cash-out - Other   C A C A A A A A   Exempt from ATR No
XXXXXX 4000105448 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___ XXXX AVM dated XXXX. CU or LCA not provided.       Reviewer Comment (2026-01-21): Accepted as is based on meeting three RAs requirements
       1 N/A N/A A A N/A N/A     N/A N/A   CA Investment Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000105448 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___ XXXX datedXXXX. The Application date XXXX. The Note XXXX.       Reviewer Comment (2026-01-21): Accepted as is.
     01/21/2026 2 A A A A A A     B B   CA Investment Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000105615 XXXXXX   XXXXXX     Credit Income / Employment Income Documentation Missing Document  REO Documents are missing. - Missing mortgage statement for the second lien.       Reviewer Comment (2026-01-23): Received HELOC Agreement. Exception cleared.


Seller Comment (2026-01-22): Comment from XXXX (XXXX): Please see attached
 01/23/2026     1 C A C A C A C A C A   WA Investment Refinance - Cash-out - Other   C A C A A A A A   Exempt from ATR No
XXXXXX 4000110564 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-01-21): Accepted as is.
     01/21/2026 2 A A A A A A     B B   CA Investment Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000110564 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___ One valuation was provided, with no CU or LCA.       Reviewer Comment (2026-01-21): Accepted as is based on meeting three RAs requirements.
       1 N/A N/A A A N/A N/A     N/A N/A   CA Investment Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000103469 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-01-21): Accepted as is based on meeting three RAs requirements
       1 N/A N/A A A N/A N/A     N/A N/A   FL Investment Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000103469 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-01-21): Accepted as is.
     01/21/2026 2 A A A A A A     B B   FL Investment Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000109292 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-01-22): Accepted as is based on meeting three RAs requirements
       1 N/A N/A A A N/A N/A     N/A N/A   CT Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000109292 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-01-22): Accepted as is.
     01/22/2026 2 A A A A A A     B B   CT Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000109609 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___ One Valuation is sufficient as per guidelines       Reviewer Comment (2026-01-21): Accepted as is based on meeting three RAs requirements
       1 N/A N/A A A N/A N/A     N/A N/A   NV Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000109609 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___ One Valuation is sufficient as per guidelines       Reviewer Comment (2026-01-21): Accepted as is.
     01/21/2026 2 A A A A A A     B B   NV Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000105348 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-01-21): Accepted as is.
     01/21/2026 2 A A A A A A     B B   DE Investment Refinance - Cash-out - Other   C A C A A A A A   Exempt from ATR No
XXXXXX 4000105348 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___ One valuation was provided, with no CU or LCA       Reviewer Comment (2026-01-21): Accepted as is based on meeting three RAs requirements.
       1 N/A N/A A A N/A N/A     N/A N/A   DE Investment Refinance - Cash-out - Other   C A C A A A A A   Exempt from ATR No
XXXXXX 4000105348 XXXXXX   XXXXXX     Credit Income / Employment Income Documentation Income / Employment The verification of employment is required and was not found in file. - The verification of employment is required and was not found in file.       Reviewer Comment (2026-01-22): Received VVOE. Exception cleared.


Buyer Comment (2026-01-22): Comment from XXXX (XXXX): This is on page 450 of the loan file. Please waive
 01/22/2026     1 C A C A C A C A C A   DE Investment Refinance - Cash-out - Other   C A C A A A A A   Exempt from ATR No
XXXXXX 4000105348 XXXXXX   XXXXXX     Credit Income / Employment Income Documentation Income / Employment Verification(s) of employment is not within 10 business days of the Note. - Verification(s) of employment was not provided.       Reviewer Comment (2026-01-22): Received VVOE is within 10 business days of the note. Exception cleared.


Buyer Comment (2026-01-22): Comment from XXXX (XXXX): This is on page 450 of the loan file. Please waive
 01/22/2026     1 C A C A C A C A C A   DE Investment Refinance - Cash-out - Other   C A C A A A A A   Exempt from ATR No
XXXXXX 4000110565 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___ Secondary valuation not required in Heloc Second lien file .       Reviewer Comment (2026-01-22): Accepted as is.
     01/22/2026 2 A A A A A A     B B   CO Primary Refinance - Cash-out - Other   B B A A A A B B   Exempt from ATR No
XXXXXX 4000109491 XXXXXX   XXXXXX     Compliance Compliance Federal Compliance ECOA ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing.       Reviewer Comment (2026-01-22): Accepted as is.
     01/22/2026 2 B B B B B B B B B B   CA Primary Refinance - Cash-out - Other   D B D A B B A A   Exempt from ATR No
XXXXXX 4000109491 XXXXXX   XXXXXX     Credit Loan Package Documentation Closing / Title Missing Document  Missing Document: Security Instrument - Subject Lien not provided   The file is missing copy of Security Instrument .       Reviewer Comment (2026-01-27): Security Instrument received, cleared


Seller Comment (2026-01-27): Comment from XXXX (XXXX): DEED
 01/27/2026     1 D A D A D A D A D A   CA Primary Refinance - Cash-out - Other   D B D A B B A A   Exempt from ATR No
XXXXXX 4000108449 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___ The Appraisal date is XXXX The Application date is XXXX The Note XXXX.       Reviewer Comment (2026-01-22): Accepted as is.
     01/22/2026 2 A A A A A A     B B   WA Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000108449 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___ XXXX Value AVM in file. CU or LCA not provided.       Reviewer Comment (2026-01-22): Accepted as is based on meeting three RAs requirements
       1 N/A N/A A A N/A N/A     N/A N/A   WA Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000110563 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-01-23): Accepted as is.
     01/23/2026 2 A A A A A A     B B   FL Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000110563 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___ Loan is to be securitized. AVM was provided, with no CU or LCA.       Reviewer Comment (2026-01-23): Accepted as is based on meeting three RAs requirements.
       1 N/A N/A A A N/A N/A     N/A N/A   FL Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000109801 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-01-23): Accepted as is based on meeting three RAs requirements
       1 N/A N/A A A N/A N/A     N/A N/A   AZ Primary Refinance - Cash-out - Other   C A C A A A A A   Exempt from ATR No
XXXXXX 4000109801 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-01-23): Accepted as is.
     01/23/2026 2 A A A A A A     B B   AZ Primary Refinance - Cash-out - Other   C A C A A A A A   Exempt from ATR No
XXXXXX 4000109801 XXXXXX   XXXXXX     Credit Insurance Insurance Analysis Insurance Insufficient Coverage: Hazard insurance coverage amount is insufficient.   Hazard Insurance missing in file       Reviewer Comment (2026-01-29): Received, Clearing.


Seller Comment (2026-01-28): Comment from XXXX (XXXX): XXXX AMB: Please see the attached HOI policy and supporting RCE to confirm sufficient coverage.
 01/29/2026     1 C A C A C A C A C A   AZ Primary Refinance - Cash-out - Other   C A C A A A A A   Exempt from ATR No
XXXXXX 4000108960 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-01-23): Accepted as is based on meeting two RAs requirements
       1 N/A N/A A A N/A N/A     N/A N/A   FL Primary Refinance - Cash-out - Other   C A C A C A A A   Exempt from ATR No
XXXXXX 4000108960 XXXXXX   XXXXXX     Credit Missing Document General Missing Document Missing Document: Legal Description not provided           Reviewer Comment (2026-01-27): Received, Clearing.


Seller Comment (2026-01-26): Comment from XXXX (XXXX): CT XXXX : Please see the attached //
 01/27/2026     1 C A C A C A C A C A   FL Primary Refinance - Cash-out - Other   C A C A C A A A   Exempt from ATR No
XXXXXX 4000108960 XXXXXX   XXXXXX     Compliance Legal / Regulatory / Compliance Anti-Predatory Violation Federal Defect (Fed High Cost Disclosure) Federal High-Cost Mortgage Loan (Notice to Assignee) Truth in Lending Act (HOEPA): Required Statement was not provided to purchaser or assignee for loan that was sold or assigned. (Note: This notice only applies when selling or assigning a HOEPA loan and may not be found in the file for loans that have not been previously sold)         Reviewer Comment (2026-02-24): Received, Clearing.


Buyer Comment (2026-02-24): Comment from XXXX (XXXX): LL XXXX  Disagree on HELOC loans the threshold is set by the Total Line and not the draw. Fees of $XXXX  do not exceed the threshold of $XXXX  and are at XXXX % of the total line amount of $XXXX
 02/24/2026     1 C A C A C A C A C A   FL Primary Refinance - Cash-out - Other   C A C A C A A A   Exempt from ATR No
XXXXXX 4000108960 XXXXXX   XXXXXX     Compliance Legal / Regulatory / Compliance Anti-Predatory Violation Federal Defect (Fed High Cost Disclosure) Federal High-Cost Mortgage Loan (HOEPA Disclosure Not Provided) Truth in Lending Act (HOEPA):  HOEPA disclosure was not provided to the Borrower         Reviewer Comment (2026-02-24): Received, Clearing


Buyer Comment (2026-02-24): Comment from XXXX (XXXX): LL XXXX  Disagree on HELOC loans the threshold is set by the Total Line and not the draw. Fees of $XXXX  do not exceed the threshold of $XXXX and are at XXXX % of the total line amount of $XXXX
 02/24/2026     1 C A C A C A C A C A   FL Primary Refinance - Cash-out - Other   C A C A C A A A   Exempt from ATR No
XXXXXX 4000108960 XXXXXX   XXXXXX     Compliance Legal / Regulatory / Compliance Anti-Predatory Violation Federal Defect (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Financed Points and Fees) Truth in Lending Act (HOEPA): Mortgage loan financed Points and Fees.         Reviewer Comment (2026-02-24): Received, Clearing


Buyer Comment (2026-02-24): Comment from XXXX (XXXX): LL XXXX  Disagree on HELOC loans the threshold is set by the Total Line and not the draw. Fees of $XXXX do not exceed the threshold of $XXXX and are at XXXX % of the total line amount of $XXXX
 02/24/2026     1 C A C A C A C A C A   FL Primary Refinance - Cash-out - Other   C A C A C A A A   Exempt from ATR No
XXXXXX 4000108960 XXXXXX   XXXXXX     Compliance Legal / Regulatory / Compliance Anti-Predatory Violation Federal Defect (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Late Charge) Truth in Lending Act (HOEPA): Mortgage loan contains a late charge that exceeds the greater of XXXX% of the amount past due or grace period of less than XXXX days.         Reviewer Comment (2026-02-24): Received, Clearing


Buyer Comment (2026-02-24): Comment from XXXX (XXXX): LL XXXX  Disagree on HELOC loans the threshold is set by the Total Line and not the draw. Fees of $XXXX do not exceed the threshold of $XXXX and are at XXXX % of the total line amount of $XXXX
 02/24/2026     1 C A C A C A C A C A   FL Primary Refinance - Cash-out - Other   C A C A C A A A   Exempt from ATR No
XXXXXX 4000108960 XXXXXX   XXXXXX     Compliance Compliance Federal Compliance Federal Defect (Fed High Cost) Federal High-Cost Mortgage Loan (Points and Fees) Truth in Lending Act (High-Cost Mortgage): Points and Fees on subject loan of XXXX% is in excess of the allowable maximum of  XXXX% of the Federal Total Loan Amount. Points and Fees of $XXXX on a Federal Total Loan Amount of $XXXX vs. an allowable total of $XXXX (an overage of $XXXX or .XXXX %).  Non-Compliant High Cost Loan.         Reviewer Comment (2026-02-24): Received, Clearing


Buyer Comment (2026-02-24): Comment from XXXX (XXXX): LL XXXX  Disagree on HELOC loans the threshold is set by the Total Line and not the draw. Fees of $XXXX do not exceed the threshold of $XXXX and are at XXXX % of the total line amount of $XXXX
 02/24/2026     1 C A C A C A C A C A   FL Primary Refinance - Cash-out - Other (1) Signed letter from borrower indicating their choice to either (a) accept refund and make loan non-high-cost or (b) keep loan as high-cost and make loan compliant; (2) Assuming option (a) is selected, a copy of refund check and proof of mailing; (3) Assuming option (b) is selected, proof of cure for each of the prohibited practices violations noted. C A C A C A A A   Exempt from ATR Yes
XXXXXX 4000108960 XXXXXX   XXXXXX     Compliance Legal / Regulatory / Compliance Anti-Predatory Violation Federal Defect (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Counseling Requirement) Truth in Lending Act (HOEPA): Borrower did not receive pre-loan counseling.         Reviewer Comment (2026-02-24): Received, Clearing


Buyer Comment (2026-02-24): Comment from XXXX (XXXX): LL XXXX  Disagree on HELOC loans the threshold is set by the Total Line and not the draw. Fees of $XXXX do not exceed the threshold of $XXXX and are at XXXX % of the total line amount of $XXXX
 02/24/2026     1 C A C A C A C A C A   FL Primary Refinance - Cash-out - Other   C A C A C A A A   Exempt from ATR No
XXXXXX 4000109676 XXXXXX   XXXXXX     Credit Title General Title Title Policy Coverage is less than Original Loan Amount. The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. Title Policy Coverage is less than Original Loan Amount.       Reviewer Comment (2026-01-23): Accepted as is.
     01/23/2026 2 B B B B B B B B B B   WA Primary Refinance - Cash-out - Other   B B B B A A A A   Exempt from ATR No
XXXXXX 4000109676 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-01-23): Accepted as is based on meeting three RAs requirements
       1 N/A N/A A A N/A N/A     N/A N/A   WA Primary Refinance - Cash-out - Other   B B B B A A A A   Exempt from ATR No
XXXXXX 4000108602 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-01-23): Accepted as is based on meeting three RAs requirements.
       1 N/A N/A A A N/A N/A     N/A N/A   CA Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000108602 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-01-23): Accepted as is.
     01/23/2026 2 A A A A A A     B B   CA Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000110413 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___ The Appraisal date is XXXX. The Application date is XXXX. The Note date isXXXX.       Reviewer Comment (2026-01-23): Accepted as is.
     01/23/2026 2 A A A A A A     B B   CA Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000110413 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___ XXXX AVM in file. CU or LCA not provided.       Reviewer Comment (2026-01-23): Accepted as is based on meeting three RAs requirements
       1 N/A N/A A A N/A N/A     N/A N/A   CA Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000109679 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-01-23): Accepted as is based on meeting three RAs requirements.
       1 N/A N/A A A N/A N/A     N/A N/A   CA Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000109679 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-01-23): Accepted as is.
     01/23/2026 2 A A A A A A     B B   CA Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000107517 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___ Loan is to be securitized. One valuation was provided, with no CU or LCA       Reviewer Comment (2026-01-26): Accepted as is based on meeting three RAs requirements
       1 N/A N/A A A N/A N/A     N/A N/A   OR Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000106434 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-01-26): Accepted as is based on meeting three RAs requirements.
       1 N/A N/A A A N/A N/A     N/A N/A   CA Investment Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000106434 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-01-26): Accepted as is.
     01/26/2026 2 A A A A A A     B B   CA Investment Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000109852 XXXXXX   XXXXXX     Credit Title Document Error Title The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided.   The Preliminary title policy is within XXXX or XXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided.       Reviewer Comment (2026-01-26): Accepted as is.
     01/26/2026 2 B B B B B B B B B B   CA Primary Refinance - Cash-out - Other   C B C B A A A A   Exempt from ATR No
XXXXXX 4000109852 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___ Loan is to be securitized. One valuation was provided, with no CU or LCA.       Reviewer Comment (2026-01-26): Accepted as is based on meeting three RAs requirements
       1 N/A N/A A A N/A N/A     N/A N/A   CA Primary Refinance - Cash-out - Other   C B C B A A A A   Exempt from ATR No
XXXXXX 4000109852 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___ Loan provided with no UDCP scores. Secondary valuation is required to support the primary appraisal value.       Reviewer Comment (2026-01-26): Accepted as is.
     01/26/2026 2 A A A A A A     B B   CA Primary Refinance - Cash-out - Other   C B C B A A A A   Exempt from ATR No
XXXXXX 4000109852 XXXXXX   XXXXXX     Credit Insurance Insurance Analysis Insurance Insufficient Coverage: Hazard insurance coverage amount is insufficient.   Hazard coverage  is insufficient to cover the mortgage amount . Please provide a letter from the Insurer stating the maximum insurable amount and/or a replacement costs estimator from the insurer.       Reviewer Comment (2026-01-26): Property is covered under blanket policy


Seller Comment (2026-01-26): Comment from XXXX (XXXX): Insurance is a HO-6 policy  RCE is not available. Please advise if this condition can be waived.  This should not be required.    Master Insurance includes walls in and betterments
 01/26/2026     1 C A C A C A C A C A   CA Primary Refinance - Cash-out - Other   C B C B A A A A   Exempt from ATR No
XXXXXX 4000109852 XXXXXX   XXXXXX     Credit Loan Package Documentation Application / Processing Loan Package Documentation FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected.   PDI ordered XXXX       Reviewer Comment (2026-01-30): Received, Clearing.
 01/30/2026     1 C A C A C A C A C A   CA Primary Refinance - Cash-out - Other   C B C B A A A A   Exempt from ATR No
XXXXXX 4000109852 XXXXXX   XXXXXX     Property Valuation General Valuation Valuation Product pending   XXXX / Post Disaster Inspection + XXXX - XXXX Days       Reviewer Comment (2026-01-30): Received, Clearing.


Reviewer Comment (2026-01-30): Valuation Received - XXXX
 01/30/2026     1 A A A A A A A A A A   CA Primary Refinance - Cash-out - Other   C B C B A A A A   Exempt from ATR No
XXXXXX 4000109995 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___ XXXX AVM in file. CU or LCA not provided.       Reviewer Comment (2026-01-26): Accepted as is.
     01/26/2026 2 A A A A A A     B B   CA Investment Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000109995 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___ XXXX AVM in file. CU or LCA not provided.       Reviewer Comment (2026-01-26): Accepted as is based on meeting three RAs requirements
       1 N/A N/A A A N/A N/A     N/A N/A   CA Investment Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000110371 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___ XXXX AVM is dated XXXX. CU or LCA not provided.       Reviewer Comment (2026-01-26): Accepted as is based on meeting two RAs requirements
       1 N/A N/A A A N/A N/A     N/A N/A   WA Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000110371 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___ Application date is XXXX. The Appraisal date is XXXX. The Note date is XXXX.       Reviewer Comment (2026-01-26): Accepted as is.
     01/26/2026 2 A A A A A A     B B   WA Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000107161 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-01-27): Accepted as is based on meeting three RAs requirements.
       1 N/A N/A A A N/A N/A     N/A N/A   AZ Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000107161 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-01-27): Accepted as is.
     01/27/2026 2 A A A A A A     B B   AZ Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000110708 XXXXXX   XXXXXX     Credit Title General Title Title Policy Coverage is less than Original Loan Amount. The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. Title Policy Amount of $XXXX is less than the note amount of $XXXX based on the Commitment in file.       Reviewer Comment (2026-01-27): Accepted as is.
     01/27/2026 2 B B B B B B B B B B   FL Primary Refinance - Cash-out - Other   B B B B A A A A   Exempt from ATR No
XXXXXX 4000110709 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-01-28): Accepted as is.
     01/28/2026 2 A A A A A A     B B   WA Primary Refinance - Cash-out - Other   B B A A A A B B   Exempt from ATR No
XXXXXX 4000109288 XXXXXX   XXXXXX     Credit Title General Title Title Policy Coverage is less than Original Loan Amount. The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. The Title Policy Amount of $XXXX is less than the Note amount of $XXXX.       Reviewer Comment (2026-01-28): Accepted as is.
     01/28/2026 2 B B B B B B B B B B   NM Primary Refinance - Cash-out - Other   B B B B A A A A   Exempt from ATR No
XXXXXX 4000109288 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___ XXXX Valuation in file. CU or LCA not provided.       Reviewer Comment (2026-01-28): Accepted as is based on meeting three RAs requirements.
       1 N/A N/A A A N/A N/A     N/A N/A   NM Primary Refinance - Cash-out - Other   B B B B A A A A   Exempt from ATR No
XXXXXX 4000109288 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___ XXXX AVM is dated XXXX. The Application date is XXXX. The Note date is XXXX.       Reviewer Comment (2026-01-28): Accepted as is.
     01/28/2026 2 A A A A A A     B B   NM Primary Refinance - Cash-out - Other   B B B B A A A A   Exempt from ATR No
XXXXXX 4000107633 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-01-27): Accepted as is.
     01/27/2026 2 A A A A A A     B B   PA Primary Refinance - Cash-out - Other   C A C A A A A A   Exempt from ATR No
XXXXXX 4000107633 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-01-27): Accepted as is based on meeting three RAs requirements
       1 N/A N/A A A N/A N/A     N/A N/A   PA Primary Refinance - Cash-out - Other   C A C A A A A A   Exempt from ATR No
XXXXXX 4000107633 XXXXXX   XXXXXX     Credit Loan Package Documentation Application / Processing Missing Document  Missing Document: Approval not provided   Approval is missing       Reviewer Comment (2026-01-28): Received 1008. Exception cleared.


Seller Comment (2026-01-27): Comment from XXXX (XXXX): Please see attached 1008.
 01/28/2026     1 C A C A C A C A C A   PA Primary Refinance - Cash-out - Other   C A C A A A A A   Exempt from ATR No
XXXXXX 4000107633 XXXXXX   XXXXXX     Credit Income / Employment Income Documentation Income / Employment Verification(s) of employment is not within 10 business days of the Note. -         Reviewer Comment (2026-01-28): Received Third Verification of Employment. Exception cleared.


Seller Comment (2026-01-27): Comment from XXXX (XXXX): Please see attached.
 01/28/2026     1 C A C A C A C A C A   PA Primary Refinance - Cash-out - Other   C A C A A A A A   Exempt from ATR No
XXXXXX 4000109521 XXXXXX   XXXXXX     Compliance Compliance Federal Compliance TILA Truth in Lending Act (HELOC): Fee amounts for testing were sourced from one or more fee documents in file containing higher amounts than that reflected on HELOC Agreement. Truth in Lending Act (HELOC): Fee amounts were sourced from multiple disclosures containing higher amounts than that reflected on HELOC Agreement. Fee amounts were sourced from multiple disclosures containing higher amounts than that reflected on HELOC Agreement.       Reviewer Comment (2026-01-28): Accepted as is.
     01/28/2026 2 A A A A A A A A A A   FL Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000109521 XXXXXX   XXXXXX     Property Appraisal Reconciliation Appraisal Documentation Appraisal Reconciliation Appraisal from prior transaction provided. No secondary valuation with effective date less than 3 months past note date provided. Sec ID: 156 Note Date:  ___; Lien Position: ___ Need a recertification of value completed by the original licensed appraiser.       Reviewer Comment (2026-01-29): Accepted as is based on meeting more than three RAs requirements


Seller Comment (2026-01-29): Comment from XXXX (XXXX): cda
       1 N/A N/A A A N/A N/A     N/A N/A   FL Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000109934 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-01-27): Accepted as is based on meeting more than three RAs requirements
       1 N/A N/A A A N/A N/A     N/A N/A   OH Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000109934 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-01-27): Accepted as is.
     01/27/2026 2 A A A A A A     B B   OH Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000103159 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-01-28): Accepted as is based on meeting more than three RAs requirements
       1 N/A N/A A A N/A N/A     N/A N/A   CA Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000103159 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-01-28): Accepted as is.
     01/28/2026 2 A A A A A A     B B   CA Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000109786 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-01-28): Accepted as is based on meeting three RAs requirements
       1 N/A N/A A A N/A N/A     N/A N/A   MD Investment Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000109786 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-01-28): Accepted as is.
     01/28/2026 2 A A A A A A     B B   MD Investment Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000104888 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-01-28): Accepted as is based on meeting three RAs requirements
       1 N/A N/A A A N/A N/A     N/A N/A   AZ Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000104888 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-01-28): Accepted as is.
     01/28/2026 2 A A A A A A     B B   AZ Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000109571 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___ XXXX AVM in file. CU or LCA not provided.       Reviewer Comment (2026-01-27): Accepted as is.
     01/27/2026 2 A A A A A A     B B   CA Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000109571 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___ XXXX AVM in file. CU or LCA not provided.       Reviewer Comment (2026-01-27): Accepted as is based on meeting three RAs requirements
       1 N/A N/A A A N/A N/A     N/A N/A   CA Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000110940 XXXXXX   XXXXXX     Compliance Compliance Federal Compliance RESPA RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application RESPA Disclosure Rule (Dodd-Frank 2014): List of Homeownership Counseling Organizations not provided to applicant within three (3) business days of application. List of Homeownership Counseling Organizations not provided to applicant within three (3) business days of application.       Reviewer Comment (2026-01-27): Accepted as is.
     01/27/2026 2 B B B B B B B B B B   CA Primary Refinance - Cash-out - Other   B B A A B B A A   Exempt from ATR No
XXXXXX 4000109536 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-01-27): Accepted as is.
     01/27/2026 2 A A A A A A     B B   CA Investment Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000109536 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-01-27): Accepted as is based on meeting three RAs requirements
       1 N/A N/A A A N/A N/A     N/A N/A   CA Investment Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000105562 XXXXXX   XXXXXX     Compliance Compliance Federal Compliance ECOA ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. ECOA Receipt of Appraisal Without Waiver       Reviewer Comment (2026-01-28): Accepted as is.
     01/28/2026 2 B B B B B B B B B B   WA Investment Refinance - Cash-out - Other   D D A A B B D D   Exempt from ATR No
XXXXXX 4000105562 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 180 Note Date:  ___; Lien Position: ___ Loan is to be securitized. One valuation was provided, with no CU or LCA.       Reviewer Comment (2026-02-10): Accepted as is based on meeting more than three RAs requirements


Reviewer Comment (2026-02-10): Cancelled


Reviewer Comment (2026-02-10): Reopened


Reviewer Comment (2026-01-28): Accepted as is based on meeting more than three RAs requirements
       3 N/A N/A A A N/A N/A     D D   WA Investment Refinance - Cash-out - Other   D D A A B B D D   Exempt from ATR No
XXXXXX 4000105562 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 372 Note Date:  ___; Lien Position: ___ Second Appraisal is not provided in the file.       Reviewer Comment (2026-01-28): Accepted as is.
     01/28/2026 2 B B A A A A     A A   WA Investment Refinance - Cash-out - Other   D D A A B B D D   Exempt from ATR No
XXXXXX 4000110884 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided. The provided CU and/or LCA do not provide relief. Sec ID: 138           Reviewer Comment (2026-02-09): CDA received and supports value


Seller Comment (2026-02-09): Comment from XXXX (XXXX): XXXX - xxx: Please see attached.
 02/09/2026     1 D A A A D A   A D A   CA Investment Refinance - Cash-out - Other   D B B B A A D A   Exempt from ATR No
XXXXXX 4000110884 XXXXXX   XXXXXX     Credit Title Document Error Title The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided.           Reviewer Comment (2026-01-28): Accepted as is.
     01/28/2026 2 B B B B B B B B B B   CA Investment Refinance - Cash-out - Other   D B B B A A D A   Exempt from ATR No
XXXXXX 4000110750 XXXXXX   XXXXXX     Credit Title Document Error Title The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided.           Reviewer Comment (2026-01-28): Accepted as is.
     01/28/2026 2 B B B B B B B B B B   CA Primary Refinance - Cash-out - Other   B B B B A A A A   Exempt from ATR No
XXXXXX 4000110750 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-01-28): Accepted as is based on meeting three RAs requirements
       1 N/A N/A A A N/A N/A     N/A N/A   CA Primary Refinance - Cash-out - Other   B B B B A A A A   Exempt from ATR No
XXXXXX 4000111681 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-01-28): Accepted as is based on meeting three RAs requirements.
       1 N/A N/A A A N/A N/A     N/A N/A   FL Primary Refinance - Cash-out - Other   B B B B A A A A   Exempt from ATR No
XXXXXX 4000111681 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-01-28): Accepted as is.
     01/28/2026 2 A A A A A A     B B   FL Primary Refinance - Cash-out - Other   B B B B A A A A   Exempt from ATR No
XXXXXX 4000111681 XXXXXX   XXXXXX     Credit Title General Title Title Policy Coverage is less than Original Loan Amount. The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file.         Reviewer Comment (2026-01-28): Accepted as is.
     01/28/2026 2 B B B B B B B B B B   FL Primary Refinance - Cash-out - Other   B B B B A A A A   Exempt from ATR No
XXXXXX 4000109607 XXXXXX   XXXXXX     Credit Insurance Insurance Analysis Insurance Insufficient Coverage: Hazard insurance coverage amount is insufficient.   HOI coverage is insufficient by $XXXX  Provide updated policy reflecting minimum coverage of $XXXX OR provide copy of insurer's replacement cost estimate supporting current coverage amount.       Reviewer Comment (2026-02-04): The total dwelling coverage of $XXXX exceeds the combined 1st lien balance and loan amount. RCE is not required per Guidelines. Exception cleared.


Buyer Comment (2026-02-04): Comment from XXXX (XXXX): XXXX - xxx: The total dwelling coverage of $XXXX exceeds the combined1st lien balance and loan amount $XXXX . An RCE is not required per the agreed upon guidelines with XXXX.
 02/04/2026     1 C A C A C A C A C A   CA Primary Refinance - Cash-out - Other   C A C A A A A A   Exempt from ATR No
XXXXXX 4000109607 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-01-28): Accepted as is based on meeting three RAs requirements
       1 N/A N/A A A N/A N/A     N/A N/A   CA Primary Refinance - Cash-out - Other   C A C A A A A A   Exempt from ATR No
XXXXXX 4000109607 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-01-28): Accepted as is.
     01/28/2026 2 A A A A A A     B B   CA Primary Refinance - Cash-out - Other   C A C A A A A A   Exempt from ATR No
XXXXXX 4000109392 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-01-28): Accepted as is based on meeting three RAs requirements
       1 N/A N/A A A N/A N/A     N/A N/A   MD Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000109392 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-01-28): Accepted as is.
     01/28/2026 2 A A A A A A     B B   MD Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000109664 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___ CU and/or LCA Risk Score is <= XXXX however secondary appraisal available in file hence updated.       Reviewer Comment (2026-01-28): Accepted as is based on meeting three RAs requirements.
       1 N/A N/A A A N/A N/A     N/A N/A   CO Primary Refinance - Cash-out - Other   B B A A B B A A   Exempt from ATR No
XXXXXX 4000109664 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___ Secondary valuation is not required for HELOC file.       Reviewer Comment (2026-01-28): Accepted as is.
     01/28/2026 2 A A A A A A     B B   CO Primary Refinance - Cash-out - Other   B B A A B B A A   Exempt from ATR No
XXXXXX 4000109664 XXXXXX   XXXXXX     Compliance Loan Package Documentation Application / Processing Missing, Incorrect, or Incomplete Final or Initial 1003 Missing Document: Missing Lender's Initial 1003   1003 Initial - Lender's is missing.       Reviewer Comment (2026-01-28): Accepted as is.
     01/28/2026 2 B B B B B B B B B B   CO Primary Refinance - Cash-out - Other   B B A A B B A A   Exempt from ATR No
XXXXXX 4000110373 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-01-29): Accepted as is based on meeting three RAs requirements
       1 N/A N/A A A N/A N/A     N/A N/A   NV Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000110373 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-01-29): Accepted as is.
     01/29/2026 2 A A A A A A     B B   NV Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000110977 XXXXXX   XXXXXX     Credit Loan Package Documentation Application / Processing Loan Package Documentation FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected.   Property is located in a FEMA Disaster area and has not been inspected. PDI ordered XXXX.       Reviewer Comment (2026-01-30): Received, Clearing.
 01/30/2026     1 C A C A C A C A C A   CA Primary Refinance - Cash-out - Other   C B C A C A B B   Exempt from ATR No
XXXXXX 4000110977 XXXXXX   XXXXXX     Credit Legal / Regulatory / Compliance Title / Lien Defect Legal / Regulatory / Compliance Final Title Policy is missing. No evidence of title in file.           Reviewer Comment (2026-02-18): Receive Title Evidence. Exception cleared.


Seller Comment (2026-02-18): Comment from XXXX (XXXX): please see attached doc JK XXXX
 02/18/2026     1 C A C A C A C A C A   CA Primary Refinance - Cash-out - Other   C B C A C A B B   Exempt from ATR No
XXXXXX 4000110977 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-01-29): Accepted as is.
     01/29/2026 2 A A A A A A     B B   CA Primary Refinance - Cash-out - Other   C B C A C A B B   Exempt from ATR No
XXXXXX 4000110977 XXXXXX   XXXXXX     Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Guideline Requirement: Investor qualifying total debt ratio discrepancy.   Calculated investor qualifying total debt ratio of XXXX% exceeds Guideline total debt ratio of XXXX%.       Reviewer Comment (2026-02-05): Including one time expense from rental income, DTI now meets guidelines


Reviewer Comment (2026-02-05): EXCEPTION HISTORY - Exception Explanation was updated on XXXX PRIOR Exception Explanation: Calculated investor qualifying total debt ratio of XXXX% exceeds Guideline total debt ratio of XXXX%.


Seller Comment (2026-02-05): Comment from XXXX (XXXX): XXXX - xxx: The monthly rental income for XXXX & XXXX is being understated due to the one-time expenses of $XXXX and $XXXX not being included. Please see the attached documentation reflecting the one-time expenses as well as a rental income worksheet reflecting positive rental income of $XXXX.
 02/05/2026     1 C A C A C A C A C A   CA Primary Refinance - Cash-out - Other   C B C A C A B B   Exempt from ATR No
XXXXXX 4000110977 XXXXXX   XXXXXX     Compliance Compliance Federal Compliance TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act:  Subject loan transaction disbursed on XXXX, prior to three (3) business days from transaction date of XXXX. Subject loan transaction disbursed on XXXX, prior to three (3) business days from transaction date of XXXX.       Reviewer Comment (2026-02-12): Received, Clearing.


Seller Comment (2026-02-11): Comment from XXXX (XXXX): CT XXXX: Please see the attached Settlement Statement reflecting a disbursement date of XXXX/
 02/12/2026     1 C A C A C A C A C A   CA Primary Refinance - Cash-out - Other TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C B C A C A B B   Exempt from ATR Yes
XXXXXX 4000110977 XXXXXX   XXXXXX     Property Valuation General Valuation Valuation Product pending   XXXX / Post Disaster Inspection + XXXX - XXXX Days       Reviewer Comment (2026-01-30): Received, Clearing.


Reviewer Comment (2026-01-29): Valuation Received - XXXX
 01/30/2026     1   A   A   A   A   A   CA Primary Refinance - Cash-out - Other   C B C A C A B B   Exempt from ATR No
XXXXXX 4000109394 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-01-29): Accepted as is.
     01/29/2026 2 A A A A A A     B B   CA Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000109394 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-01-29): Accepted as is based on meeting more than three RAs requirements
       1 N/A N/A A A N/A N/A     N/A N/A   CA Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000109595 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___ Secondary valuation is not required for second lien files as per HELOC program.       Reviewer Comment (2026-01-29): Accepted as is based on meeting three RAs requirements.
       1 N/A N/A A A N/A N/A     N/A N/A   PA Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000109595 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___ Secondary valuation is not required for second lien files as per HELOC program.       Reviewer Comment (2026-01-29): Accepted as is.
     01/29/2026 2 A A A A A A     B B   PA Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000108936 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___ Loan is to be securitized. One valuation was provided, with no CU or LCA       Reviewer Comment (2026-01-29): Accepted as is based on meeting two RAs requirements
       1 N/A N/A A A N/A N/A     N/A N/A   GA Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000108936 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___ Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date.       Reviewer Comment (2026-01-29): Accepted as is.
     01/29/2026 2 A A A A A A     B B   GA Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000110072 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___ Secondary valuation is not required for second lien files as per HELOC program.       Reviewer Comment (2026-01-30): Accepted as is based on meeting two RAs requirements
       1 N/A N/A A A N/A N/A     N/A N/A   MO Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000110072 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___ Secondary valuation is not required for second lien files as per HELOC program.       Reviewer Comment (2026-01-30): Accepted as is.
     01/30/2026 2 A A A A A A     B B   MO Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000111022 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-01-30): Accepted as is.
     01/30/2026 2 A A A A A A     B B   NJ Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000111022 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-01-30): Accepted as is based on meeting two RAs requirements
       1 N/A N/A A A N/A N/A     N/A N/A   NJ Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000108981 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___ The File is missing a copy of secondary Valuation,       Reviewer Comment (2026-01-30): Accepted as is.
     01/30/2026 2 A A A A A A     B B   MD Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000108981 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___ Loan is to be securitized. One valuation was provided, with no CU or LCA.       Reviewer Comment (2026-01-30): Accepted as is based on meeting three RAs requirements
       1 N/A N/A A A N/A N/A     N/A N/A   MD Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000108420 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-01-30): Accepted as is based on meeting more than three RAs requirements
       1 N/A N/A A A N/A N/A     N/A N/A   MD Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000108420 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-01-30): Accepted as is.
     01/30/2026 2 A A A A A A     B B   MD Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000111673 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___ Secondary valuation not required in Heloc Second lien file .       Reviewer Comment (2026-02-02): Accepted as is based on meeting two RAs requirements
       1 N/A N/A A A N/A N/A     N/A N/A   MI Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000106341 XXXXXX   XXXXXX     Credit Guideline Guideline Issue Guideline Initial Draw Amount is greater than Line Limit.           Reviewer Comment (2026-03-12): Updated Loan Disbursement doc provided. Cleared.


Seller Comment (2026-03-12): Comment from XXXX (XXXX): Please see attached corrected documents. The corrected documents were sent to the settlement company the same day as closing and signed by the borrower
 03/12/2026     1 C A C A C A C A C A   NY Primary Refinance - Cash-out - Other   D A D A A A A A   Exempt from ATR No
XXXXXX 4000106341 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___ Secondary valuation is not required for second lien files as per HELOC program.       Reviewer Comment (2026-01-30): Accepted as is based on meeting two RAs requirements
       1 N/A N/A A A N/A N/A     N/A N/A   NY Primary Refinance - Cash-out - Other   D A D A A A A A   Exempt from ATR No
XXXXXX 4000106341 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___ Secondary valuation is not required for second lien files as per HELOC program.       Reviewer Comment (2026-01-30): Accepted as is.
     01/30/2026 2 A A A A A A     B B   NY Primary Refinance - Cash-out - Other   D A D A A A A A   Exempt from ATR No
XXXXXX 4000106341 XXXXXX   XXXXXX     Credit Loan Package Documentation Closing / Title Missing Document  Missing Document: Security Instrument - Subject Lien not provided   Security Instrument Document is missing.       Reviewer Comment (2026-03-12): Received Security Instrument, Exception Cleared.


Seller Comment (2026-03-12): Comment from XXXX (XXXX): Attached


Reviewer Comment (2026-02-12): Security Instrument has not been received. Exception remains.


Buyer Comment (2026-02-12): Comment from XXXX (XXXX): Tracking has been provided on the 10th. Please review and clear.
 03/12/2026     1 D A D A D A D A D A   NY Primary Refinance - Cash-out - Other   D A D A A A A A   Exempt from ATR No
XXXXXX 4000106341 XXXXXX   XXXXXX     Credit Income / Employment Income Documentation Income / Employment Verification(s) of employment is not within 10 business days of the Note. - VVOE is missing for xxxxx xxxxx xxxxx.       Reviewer Comment (2026-02-12): Provided. Cleared.


Seller Comment (2026-02-12): Comment from XXXX (XXXX): Attached
 02/12/2026     1 C A C A C A C A C A   NY Primary Refinance - Cash-out - Other   D A D A A A A A   Exempt from ATR No
XXXXXX 4000104340 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-02-02): Accepted as is based on meeting three RAs requirements.
       1 N/A N/A A A N/A N/A     N/A N/A   GA Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000104340 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-02-02): Client elects to waive
     02/02/2026 2 A A A A A A     B B   GA Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000109387 XXXXXX   XXXXXX     Credit Legal / Regulatory / Compliance Title / Lien Defect Legal / Regulatory / Compliance Final Title Policy is missing. No evidence of title in file.           Reviewer Comment (2026-02-03): Received Title Evidence. Exception cleared.


Seller Comment (2026-02-02): Comment from XXXX (XXXX): Please see attached.
 02/03/2026     1 C A C A C A C A C A   CA Primary Refinance - Cash-out - Other   C A C A A A A A   Exempt from ATR No
XXXXXX 4000109387 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-02-02): Accepted as is based on meeting three RAs requirements
       1 N/A N/A A A N/A N/A     N/A N/A   CA Primary Refinance - Cash-out - Other   C A C A A A A A   Exempt from ATR No
XXXXXX 4000109387 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-02-02): Client elects to waive
     02/02/2026 2 A A A A A A     B B   CA Primary Refinance - Cash-out - Other   C A C A A A A A   Exempt from ATR No
XXXXXX 4000109387 XXXXXX   XXXXXX     Credit Credit Miscellaneous Guideline Credit Exception:   The note and the security instrument have an incorrect address for the subject. The address should reflect XXXX.       Reviewer Comment (2026-03-12): Cleared- Note received with correct address


Seller Comment (2026-03-12): Comment from XXXX (XXXX): Please see attached.


Reviewer Comment (2026-03-12): The HELOC Agreement still needs updated.


Seller Comment (2026-03-12): Comment from XXXX (XXXX): Please see updated DOT attached.
 03/12/2026     1 C A C A C A C A C A   CA Primary Refinance - Cash-out - Other   C A C A A A A A   Exempt from ATR No
XXXXXX 4000110082 XXXXXX   XXXXXX     Credit Income / Employment Income Documentation Income / Employment The verification of employment is required and was not found in file. -         Reviewer Comment (2026-03-09): After further review, this exception has been cleared.


Reviewer Comment (2026-02-26): The VVOE is dated Post close, provide VVOE dated prior to closing.


Seller Comment (2026-02-26): Comment from XXXX (XXXX): Attached
 03/09/2026     1 C A C A C A C A C A   AL Primary Refinance - Cash-out - Other   C A C A A A A A   Exempt from ATR No
XXXXXX 4000110082 XXXXXX   XXXXXX     Credit Income / Employment Income Documentation Income / Employment The verification of employment is required and was not found in file. -         Reviewer Comment (2026-03-09): After further review, this exception has been cleared.


Reviewer Comment (2026-02-26): The VVOE is dated post close, provide VVOE date prior to close


Seller Comment (2026-02-26): Comment from XXXX (XXXX): Attached
 03/09/2026     1 C A C A C A C A C A   AL Primary Refinance - Cash-out - Other   C A C A A A A A   Exempt from ATR No
XXXXXX 4000109522 XXXXXX   XXXXXX     Credit Income / Employment Income Documentation Missing Document  REO Documents are missing. - ___ The file was missing a copy of the Insurance verification for this property located at XXXX.       Reviewer Comment (2026-02-03): Per borrower LOE, property is land only


Seller Comment (2026-02-03): Comment from XXXX (XXXX): Please see borrower LOE
 02/03/2026     1 C A C A C A C A C A   CA Investment Refinance - Cash-out - Other   C A C A A A A A   Exempt from ATR No
XXXXXX 4000108649 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___ Secondary valuation is required to support the primary appraisal value.       Reviewer Comment (2026-02-02): Client elects to waive
     02/02/2026 2 A A A A A A     B B   SC Primary Refinance - Cash-out - Other   B B A A B B A A   Exempt from ATR No
XXXXXX 4000108649 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___ Loan is to be securitized. One valuation was provided, with no CU or LCA.       Reviewer Comment (2026-02-02): Accepted as is based on meeting two RAs requirements
       1 N/A N/A A A N/A N/A     N/A N/A   SC Primary Refinance - Cash-out - Other   B B A A B B A A   Exempt from ATR No
XXXXXX 4000108649 XXXXXX   XXXXXX     Compliance Compliance State Compliance State Defect South Carolina Home Loan (Acknowledgement of Receipt of Complaint Agency Disclosure Not Signed by All Borrowers) XXXX:  Receipt of XXXX Complaint Agency Disclosure specifying the agency designated to receive complaints or inquiries about the origination and making of the loan acknowledged by one borrower, but not all borrowers on the transaction.         Reviewer Comment (2026-02-02): Client elects to waive
     02/02/2026 2 B B B B B B B B B B   SC Primary Refinance - Cash-out - Other "Within forty-five days of the loan closing and before the institution of an action pursuant to this article, the lender notifies the borrower of the compliance failure, makes appropriate restitution, and makes necessary adjustments to the loan to make the consumer home loan satisfy the requirements of Section 37-23-70, 37-23-75, or 37-23-80

Provide copy of LOE to borrower notifying consumer of error, provide copy of disclosure signed by all consumers, and proof of mailing within 45 days of consummation."		 B B A A B B A A   Exempt from ATR Yes
XXXXXX 4000108467 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___ Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date.       Reviewer Comment (2026-01-30): Accepted as is.
     01/30/2026 2 A A A A A A     B B   LA Primary Refinance - Cash-out - Other   D A D A A A A A   Exempt from ATR No
XXXXXX 4000108467 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___ Loan is to be securitized. One valuation was provided, with no CU or LCA.       Reviewer Comment (2026-01-30): Accepted as is based on meeting three RAs requirements.
       1 N/A N/A A A N/A N/A     N/A N/A   LA Primary Refinance - Cash-out - Other   D A D A A A A A   Exempt from ATR No
XXXXXX 4000108467 XXXXXX   XXXXXX     Credit Loan Package Documentation Application / Processing Loan Package Documentation Missing Document: Note - Senior Lien not provided   Missing Senior Lien Note or Mortgage Statement.       Reviewer Comment (2026-02-03): Associated Mortgage Statement. Exception cleared.


Buyer Comment (2026-02-03): Comment from XXXX (XXXX): Statement is on page 206 of the loan file please waive
 02/03/2026     1 D A D A D A D A D A   LA Primary Refinance - Cash-out - Other   D A D A A A A A   Exempt from ATR No
XXXXXX 4000111212 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___ Loan is to be securitized. One valuation was provided, with no CU or LCA.       Reviewer Comment (2026-02-02): Accepted as is based on meeting three RAs requirements
       1 N/A N/A A A N/A N/A     N/A N/A   CO Investment Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000111212 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___ Second appraisal is not provided in the file.       Reviewer Comment (2026-02-02): Client elects to waive
     02/02/2026 2 A A A A A A     B B   CO Investment Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000108795 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-02-02): Accepted as is based on meeting three RAs requirements.
       1 N/A N/A A A N/A N/A     N/A N/A   CA Primary Refinance - Cash-out - Other   D A D A A A A A   Exempt from ATR No
XXXXXX 4000108795 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-02-02): Client elects to waive
     02/02/2026 2 A A A A A A     B B   CA Primary Refinance - Cash-out - Other   D A D A A A A A   Exempt from ATR No
XXXXXX 4000108795 XXXXXX   XXXXXX     Credit Loan Package Documentation Closing / Title Missing Document  Missing Document: Security Instrument - Subject Lien not provided   Security Instrument was not in file.       Reviewer Comment (2026-02-12): Received Security Instrument. Exception cleared.


Seller Comment (2026-02-12): Comment from XXXX (XXXX): See attached DOT and tracking is XXXX
 02/12/2026     1 D A D A D A D A D A   CA Primary Refinance - Cash-out - Other   D A D A A A A A   Exempt from ATR No
XXXXXX 4000111088 XXXXXX   XXXXXX     Property Appraisal Reconciliation Appraisal Documentation Appraisal Reconciliation Appraisal from prior transaction provided. No secondary valuation with effective date less than 3 months past note date provided. Sec ID: 156 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-02-02): Accepted as is based on meeting three RAs requirements
       1 N/A N/A A A N/A N/A     N/A N/A   FL Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000109688 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-02-02): Accepted as is based on meeting three RAs requirements
       1 N/A N/A A A N/A N/A     N/A N/A   GA Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000109688 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-02-02): Client elects to waive
     02/02/2026 2 A A A A A A     B B   GA Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000110779 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-02-03): Accepted as is based on meeting two RAs requirements
       1 N/A N/A A A N/A N/A     N/A N/A   FL Investment Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000110779 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-02-03): Accepted as is.
     02/03/2026 2 A A A A A A     B B   FL Investment Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000109781 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___ XXXX Value AVM in file. CU or LCA not provided.       Reviewer Comment (2026-02-02): Client elects to waive
     02/02/2026 2 A A A A A A     B B   CA Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000109781 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___ XXXX Value AVM in file. CU or LCA not provided.       Reviewer Comment (2026-02-02): Accepted as is based on meeting three RAs requirements.
       1 N/A N/A A A N/A N/A     N/A N/A   CA Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000111508 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___ 1004 Full Appraisal in file. CU or LCA not provided.       Reviewer Comment (2026-02-02): Accepted as is based on meeting three RAs requirements
       1 N/A N/A A A N/A N/A     N/A N/A   NJ Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000111209 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-02-02): Accepted as is based on meeting two RAs requirements
       1 N/A N/A A A N/A N/A     N/A N/A   CA Second Home Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000111209 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-02-02): Client elects to waive
     02/02/2026 2 A A A A A A     B B   CA Second Home Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000111509 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___ Secondary valuation not required in Heloc Second lien file .       Reviewer Comment (2026-02-02): Client elects to waive
     02/02/2026 2 A A A A A A     B B   CA Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000111509 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___ Secondary valuation not required in Heloc Second lien file .       Reviewer Comment (2026-02-02): Accepted as is based on meeting three RAs requirements
       1 N/A N/A A A N/A N/A     N/A N/A   CA Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000111168 XXXXXX   XXXXXX     Credit Insurance Insurance Analysis Insurance Insufficient Coverage: Hazard insurance coverage amount is insufficient.   Coverage is short $XXXX to cover XXXXst and XXXXnd lien UPB.       Reviewer Comment (2026-03-02): Received Replacement Cost Estimator and the shortfall is covered. Exception cleared.


Seller Comment (2026-03-02): Comment from XXXX (XXXX): Please see attached


Reviewer Comment (2026-02-27): Guaranteed Replacement Cost Coverage is not checked on page 12 of Insurance document. Please provide updated Hazard Insurance Policy with sufficient coverage or provide Replacement Cost Estimator. Exception remains.


Seller Comment (2026-02-26): Comment from XXXX (XXXX): Guaranteed rec is included see page 12
 03/02/2026     1 C A C A C A C A C A   CA Primary Refinance - Cash-out - Other   C A C A A A A A   Exempt from ATR No
XXXXXX 4000111168 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-02-02): Accepted as is based on meeting three RAs requirements.
       1 N/A N/A A A N/A N/A     N/A N/A   CA Primary Refinance - Cash-out - Other   C A C A A A A A   Exempt from ATR No
XXXXXX 4000111168 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-02-02): Client elects to waive
     02/02/2026 2 A A A A A A     B B   CA Primary Refinance - Cash-out - Other   C A C A A A A A   Exempt from ATR No
XXXXXX 4000110942 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-02-03): Accepted as is.
     02/03/2026 2 A A A A A A     B B   PA Investment Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000110942 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-02-03): Accepted as is based on meeting three RAs requirements
       1 N/A N/A A A N/A N/A     N/A N/A   PA Investment Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000109610 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-02-03): Accepted as is based on meeting three RAs requirements
       1 N/A N/A A A N/A N/A     N/A N/A   CO Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000111333 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___ Secondary valuation not required in Heloc Second lien file .       Reviewer Comment (2026-02-02): Accepted as is based on meeting three RAs requirements
       1 N/A N/A A A N/A N/A     N/A N/A   FL Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000111333 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___ Secondary valuation not required in Heloc Second lien file .       Reviewer Comment (2026-02-02): Client elects to waive
     02/02/2026 2 A A A A A A     B B   FL Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000111422 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 372 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-02-03): Accepted as is.
     02/03/2026 2 B B A A A A     A A   MN Second Home Refinance - Cash-out - Other   D D A A B B D D   Exempt from ATR No
XXXXXX 4000111422 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 180 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-02-02): Accepted as is based on meeting two RAs requirements
       3 N/A N/A A A N/A N/A     D D   MN Second Home Refinance - Cash-out - Other   D D A A B B D D   Exempt from ATR No
XXXXXX 4000111422 XXXXXX   XXXXXX     Compliance Compliance Federal Compliance ECOA ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation.       Reviewer Comment (2026-02-03): Accepted as is.
     02/03/2026 2 B B B B B B B B B B   MN Second Home Refinance - Cash-out - Other   D D A A B B D D   Exempt from ATR No
XXXXXX 4000111515 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-02-02): Accepted as is based on meeting three RAs requirements.
       1 N/A N/A A A N/A N/A     N/A N/A   NY Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000111515 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-02-02): Client elects to waive
     02/02/2026 2 A A A A A A     B B   NY Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000111679 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___ Loan is to be Securitized. One Valuation was provided, with no CU or LCA.       Reviewer Comment (2026-02-03): Accepted as is based on meeting three RAs requirements
       1 N/A N/A A A N/A N/A     N/A N/A   OH Primary Refinance - Cash-out - Other   B B B B B B A A   Exempt from ATR No
XXXXXX 4000111679 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-02-03): Accepted as is.
     02/03/2026 2 A A A A A A     B B   OH Primary Refinance - Cash-out - Other   B B B B B B A A   Exempt from ATR No
XXXXXX 4000111679 XXXXXX   XXXXXX     Compliance Compliance Federal Compliance RESPA RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application RESPA Disclosure Rule (Dodd-Frank 2014): List of Homeownership Counseling Organizations not provided to applicant within three (3) business days of application. RESPA Disclosure Rule (Dodd-Frank 2014): List of Homeownership Counseling Organizations not provided to applicant within three (3) business days of application.       Reviewer Comment (2026-02-03): Accepted as is.
     02/03/2026 2 B B B B B B B B B B   OH Primary Refinance - Cash-out - Other   B B B B B B A A   Exempt from ATR No
XXXXXX 4000111679 XXXXXX   XXXXXX     Compliance Compliance State Compliance Misc. State Level Ohio Consumer Sales Practices Act (Acknowledgement of Receipt of Home Mortgage Loan Information Document Not Received Timely) XXXX Consumer Sales Practices Act: Acknowledgement of Receipt of Home Mortgage Loan Information Document not received by borrower within five (5) business days of application. XXXX Consumer Sales Practices Act: Acknowledgement of Receipt of Home Mortgage Loan Information Document not received by borrower within five (5) business days of application.       Reviewer Comment (2026-02-03): Accepted as is.
     02/03/2026 2 B B B B B B B B B B   OH Primary Refinance - Cash-out - Other   B B B B B B A A   Exempt from ATR No
XXXXXX 4000111679 XXXXXX   XXXXXX     Credit Credit Miscellaneous Guideline Credit Exception:   Lender exception in file as guidelines states that properties cannot exceed XXXXacres. This property is XXXX acres large but does not exhibit any agricultural characteristics per appraisal. No personal tax returns yet to confirm if there is no schedule-F income, request for exception to proceed due to minimal risk. Compensating factors include FICO OF 736 and HCLTV of XXXX% Borrower has been employed in the same industry for more than 5 years.

Borrower has owned the subject property for at least 5 years.

Borrower has verified disposable income of at least $2500.00.

Borrower has worked in the same position for more than 3 years.

The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.		   SitusAMC

SitusAMC

SitusAMC

SitusAMC

SitusAMC		 Reviewer Comment (2026-02-03): Lender exception approved
     02/03/2026 2 B B B B B B B B B B   OH Primary Refinance - Cash-out - Other   B B B B B B A A   Exempt from ATR No
XXXXXX 4000111033 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___ Loan is to be securitized. One valuation was provided, with no CU or LCA.       Reviewer Comment (2026-02-03): Accepted as is based on meeting three RAs requirements.
       1 N/A N/A A A N/A N/A     N/A N/A   KS Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000111033 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___ Secondary valuation is required to support the primary appraisal value.       Reviewer Comment (2026-02-03): Accepted as is.
     02/03/2026 2 A A A A A A     B B   KS Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000110566 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-02-03): Accepted as is.
     02/03/2026 2 A A A A A A     B B   UT Primary Refinance - Cash-out - Other   B B A A A A B B   Exempt from ATR No
XXXXXX 4000111683 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-02-03): Accepted as is based on meeting three RAs requirements.
       1 N/A N/A A A N/A N/A     N/A N/A   GA Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000111683 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-02-03): Accepted as is.
     02/03/2026 2 A A A A A A     B B   GA Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000109930 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-02-03): Accepted as is based on meeting more than three RAs requirements
       1 N/A N/A A A N/A N/A     N/A N/A   FL Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000109930 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-02-03): Accepted as is.
     02/03/2026 2 A A A A A A     B B   FL Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000110941 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-02-03): Accepted as is.
     02/03/2026 2 A A A A A A     B B   CA Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000110941 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-02-03): Accepted as is based on meeting more than three RAs requirements
       1 N/A N/A A A N/A N/A     N/A N/A   CA Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000113205 XXXXXX   XXXXXX     Credit Loan Package Documentation Application / Processing Loan Package Documentation Missing Document: Business Purpose Certificate not provided           Reviewer Comment (2026-02-03): Business Purpose Certificate associated. Exception cleared.


Buyer Comment (2026-02-03): Comment from XXXX (XXXX): Please test as consumer purpose
 02/03/2026     1 C A C A C A C A C A   UT Investment Refinance - Cash-out - Other   C A C A A A A A   Exempt from ATR No
XXXXXX 4000111292 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-02-03): Accepted as is.
     02/03/2026 2 A A A A A A     B B   FL Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000111292 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-02-03): Accepted as is based on meeting three RAs requirements
       1 N/A N/A A A N/A N/A     N/A N/A   FL Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000110055 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___ Loan is to be securitized. One valuation was provided, with no CU or LCA.       Reviewer Comment (2026-02-03): Accepted as is based on meeting three RAs requirements.
       1 N/A N/A A A N/A N/A     N/A N/A   AZ Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000110055 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___ Secondary valuation is required to support the primary appraisal value.       Reviewer Comment (2026-02-03): Accepted as is.
     02/03/2026 2 A A A A A A     B B   AZ Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000110538 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 180 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-02-10): Accepted as is based on meeting three RAs requirements.


Reviewer Comment (2026-02-10): Reopened


Reviewer Comment (2026-02-03): Accepted as is based on meeting two RAs requirements
       3 N/A N/A A A N/A N/A     D D   PA Primary Refinance - Cash-out - Other   D D A A B B D D   Exempt from ATR No
XXXXXX 4000110538 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 372 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-02-03): Accepted as is.
     02/03/2026 2 B B A A A A     A A   PA Primary Refinance - Cash-out - Other   D D A A B B D D   Exempt from ATR No
XXXXXX 4000110538 XXXXXX   XXXXXX     Compliance Compliance Federal Compliance ECOA ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. Verification appraisal was delivered to borrower was not provided.       Reviewer Comment (2026-02-03): Accepted as is.
     02/03/2026 2 B B B B B B B B B B   PA Primary Refinance - Cash-out - Other   D D A A B B D D   Exempt from ATR No
XXXXXX 4000109815 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 372 Note Date:  ___; Lien Position: ___ XXXX AVM in file. CU or LCA not provided.       Reviewer Comment (2026-02-04): Accepted as is.
     02/04/2026 2 B B A A A A     A A   NJ Primary Refinance - Cash-out - Other   D D A A B B D D   Exempt from ATR No
XXXXXX 4000109815 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 180 Note Date:  ___; Lien Position: ___ XXXX AVM in file. CU or LCA not provided.       Reviewer Comment (2026-02-04): Accepted as is based on meeting three RAs requirements
       3 N/A N/A A A N/A N/A     D D   NJ Primary Refinance - Cash-out - Other   D D A A B B D D   Exempt from ATR No
XXXXXX 4000109815 XXXXXX   XXXXXX     Compliance Compliance Federal Compliance ECOA ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. Verification appraisal was delivered to borrower was not provided.       Reviewer Comment (2026-02-04): Accepted as is.
     02/04/2026 2 B B B B B B B B B B   NJ Primary Refinance - Cash-out - Other   D D A A B B D D   Exempt from ATR No
XXXXXX 4000110455 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___ Loan is to be securitized. One valuation was provided, with no CU or LCA.       Reviewer Comment (2026-02-04): Accepted as is based on meeting two RAs requirements
       1 N/A N/A A A N/A N/A     N/A N/A   CA Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000110455 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___ Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date.       Reviewer Comment (2026-02-04): Accepted as is.
     02/04/2026 2 A A A A A A     B B   CA Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000110820 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-02-04): Accepted as is based on meeting three RAs requirements.
       1 N/A N/A A A N/A N/A     N/A N/A   CO Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000110820 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-02-04): Accepted as is.
     02/04/2026 2 A A A A A A     B B   CO Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000111444 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___ Loan is to be securitized. One valuation was provided, with no CU or LCA.       Reviewer Comment (2026-02-03): Accepted as is based on meeting two RAs requirements
       1 N/A N/A A A N/A N/A     N/A N/A   CA Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000111444 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___ Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date.       Reviewer Comment (2026-02-03): Accepted as is.
     02/03/2026 2 A A A A A A     B B   CA Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000111682 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-02-04): Accepted as is based on meeting three RAs requirements.
       1 N/A N/A A A N/A N/A     N/A N/A   FL Investment Refinance - Cash-out - Other   C A C A A A A A   Exempt from ATR No
XXXXXX 4000111682 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-02-04): Accepted as is.
     02/04/2026 2 A A A A A A     B B   FL Investment Refinance - Cash-out - Other   C A C A A A A A   Exempt from ATR No
XXXXXX 4000111682 XXXXXX   XXXXXX     Credit Credit Miscellaneous Guideline Credit Exception:   LLC listed on Security Instrument and Title Vesting.  LLCs are ineligible borrowers per guidelines.       Reviewer Comment (2026-02-17): Received, Clearing.


Buyer Comment (2026-02-16): Comment from XXXX (XXXX): XXXX AMB: The LLC did not sign the Security Instrument, neither did either borrower sign as a member of the LLC. Each borrower signed individually, meaning the LLC is not truly a borrower on the transaction, merely vested on title.


Reviewer Comment (2026-02-12): The security agreement names the LLC as a borrower not just a title holder.


Seller Comment (2026-02-12): Comment from XXXX (XXXX): XXXX AMB: Please note that the Security Instrument and the HELOC agreement are both signed by the borrowers only as individuals, the closing documents were not signed by a managing member of the LLC, therefore, the LLC is not a borrower on the loan. The guidelines do not prohibit the borrower from including an LLC in the vesting on title.
 02/17/2026     1 C A C A C A C A C A   FL Investment Refinance - Cash-out - Other   C A C A A A A A   Exempt from ATR No
XXXXXX 4000113252 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371           Reviewer Comment (2026-02-04): Accepted as is.
     02/04/2026 2 A A A A A A     B B   CA Primary Refinance - Cash-out - Other   B B B B A A A A   Exempt from ATR No
XXXXXX 4000113252 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-02-04): Accepted as is based on meeting two RAs requirements
       1 N/A N/A A A N/A N/A     N/A N/A   CA Primary Refinance - Cash-out - Other   B B B B A A A A   Exempt from ATR No
XXXXXX 4000113252 XXXXXX   XXXXXX     Credit Title Document Error Title The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided.   The Preliminary title policy is within XXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided.       Reviewer Comment (2026-02-04): Accepted as is.
     02/04/2026 2 B B B B B B B B B B   CA Primary Refinance - Cash-out - Other   B B B B A A A A   Exempt from ATR No
XXXXXX 4000111689 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-02-04): Accepted as is based on meeting three RAs requirements.
       1 N/A N/A A A N/A N/A     N/A N/A   CA Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000111689 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-02-04): Accepted as is.
     02/04/2026 2 A A A A A A     B B   CA Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000112030 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-02-04): Accepted as is.
     02/04/2026 2 A A A A A A     B B   CA Primary Refinance - Cash-out - Other   B B A A A A B B   Exempt from ATR No
XXXXXX 4000110234 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-02-04): Accepted as is based on meeting three RAs requirements.
       1 N/A N/A A A N/A N/A     N/A N/A   FL Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000110234 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-02-04): Accepted as is.
     02/04/2026 2 A A A A A A     B B   FL Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000109079 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-02-04): Accepted as is based on meeting two RAs requirements
       1 N/A N/A A A N/A N/A     N/A N/A   CA Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000111602 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___ Secondary valuation not required in Heloc Second lien file .       Reviewer Comment (2026-02-04): Accepted as is based on meeting three RAs requirements.
       1 N/A N/A A A N/A N/A     N/A N/A   AZ Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000111602 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___ Secondary valuation not required in Heloc Second lien file .       Reviewer Comment (2026-02-04): Accepted as is.
     02/04/2026 2 A A A A A A     B B   AZ Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000109404 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 180 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-02-04): Accepted as is based on meeting three RAs requirements.
       3 N/A N/A A A N/A N/A     D D   NJ Investment Refinance - Cash-out - Other   D D A A B B D D   Exempt from ATR No
XXXXXX 4000109404 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 372 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-02-04): Accepted as is.
     02/04/2026 2 B B A A A A     A A   NJ Investment Refinance - Cash-out - Other   D D A A B B D D   Exempt from ATR No
XXXXXX 4000109404 XXXXXX   XXXXXX     Compliance Loan Package Documentation Application / Processing Missing, Incorrect, or Incomplete Final or Initial 1003 Missing Document: Missing Lender's Initial 1003   Initial 1003 document missing       Reviewer Comment (2026-02-04): Accepted as is.
     02/04/2026 2 B B B B B B B B B B   NJ Investment Refinance - Cash-out - Other   D D A A B B D D   Exempt from ATR No
XXXXXX 4000109404 XXXXXX   XXXXXX     Compliance Compliance Federal Compliance ECOA ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation.         Reviewer Comment (2026-02-04): Accepted as is.
     02/04/2026 2 B B B B B B B B B B   NJ Investment Refinance - Cash-out - Other   D D A A B B D D   Exempt from ATR No
XXXXXX 4000112678 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___ Secondary valuation is not required for second lien files as per HELOC program.       Reviewer Comment (2026-02-04): Accepted as is.
     02/04/2026 2 A A A A A A     B B   AZ Investment Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000112678 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___ Loan is to be securitized. One valuation was provided, with no CU or LCA.       Reviewer Comment (2026-02-04): Accepted as is based on meeting three RAs requirements
       1 N/A N/A A A N/A N/A     N/A N/A   AZ Investment Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000108794 XXXXXX   XXXXXX     Credit Income / Employment Income Documentation Missing Document  REO Documents are missing. - ___ Insurance Verification, Tax Verification is missing.       Reviewer Comment (2026-02-12): Documentation received, cleared


Seller Comment (2026-02-12): Comment from XXXX (XXXX): XXXX AD: Please see attached.
 02/12/2026     1 C A C A C A C A C A   CA Primary Refinance - Cash-out - Other   C B C B A A A A   Exempt from ATR No
XXXXXX 4000108794 XXXXXX   XXXXXX     Credit Title Document Error Title The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided.   The preliminary title policy is within XXXX and does not reflect a coverage amount (no final title policy in file).       Reviewer Comment (2026-02-04): Accepted as is.
     02/04/2026 2 B B B B B B B B B B   CA Primary Refinance - Cash-out - Other   C B C B A A A A   Exempt from ATR No
XXXXXX 4000112029 XXXXXX   XXXXXX     Credit Loan Package Documentation Application / Processing Loan Package Documentation FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected.   PDI ordered XXXX       Reviewer Comment (2026-02-09): Received, Clearing.
 02/09/2026     1 C A C A C A C A C A   CA Primary Refinance - Cash-out - Other   C A C A A A A A   Exempt from ATR No
XXXXXX 4000112029 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-02-04): Accepted as is based on meeting three RAs requirements.
       1 N/A N/A A A N/A N/A     N/A N/A   CA Primary Refinance - Cash-out - Other   C A C A A A A A   Exempt from ATR No
XXXXXX 4000112029 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-02-04): Accepted as is.
     02/04/2026 2 A A A A A A     B B   CA Primary Refinance - Cash-out - Other   C A C A A A A A   Exempt from ATR No
XXXXXX 4000112029 XXXXXX   XXXXXX     Property Valuation General Valuation Valuation Product pending   XXXX / Post Disaster Inspection + XXXX - XXXX Days       Reviewer Comment (2026-02-09): Received, Clearing.


Reviewer Comment (2026-02-08): Valuation Received - XXXX
 02/09/2026     1   A   A   A   A   A   CA Primary Refinance - Cash-out - Other   C A C A A A A A   Exempt from ATR No
XXXXXX 4000109993 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-02-04): Accepted as is.
     02/04/2026 2 A A A A A A     B B   IN Primary Refinance - Cash-out - Other   B B A A A A B B   Exempt from ATR No
XXXXXX 4000112613 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-02-04): Accepted as is.
     02/04/2026 2 A A A A A A     B B   CA Primary Refinance - Cash-out - Other   B B B B A A B B   Exempt from ATR No
XXXXXX 4000112613 XXXXXX   XXXXXX     Credit Title Document Error Title The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided.           Reviewer Comment (2026-02-04): Accepted as is.
     02/04/2026 2 B B B B B B B B B B   CA Primary Refinance - Cash-out - Other   B B B B A A B B   Exempt from ATR No
XXXXXX 4000111012 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-02-05): Accepted as is based on meeting two RAs requirements
       1 N/A N/A A A N/A N/A     N/A N/A   CA Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000111012 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-02-05): Accepted as is.
     02/05/2026 2 A A A A A A     B B   CA Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000112845 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-02-04): Accepted as is based on meeting three RAs requirements
       1 N/A N/A A A N/A N/A     N/A N/A   VA Second Home Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000111601 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-02-04): Accepted as is.
     02/04/2026 2 A A A A A A     B B   WA Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000111601 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-02-04): Accepted as is based on meeting three RAs requirements.
       1 N/A N/A A A N/A N/A     N/A N/A   WA Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000110845 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-02-05): Accepted as is based on meeting two RAs requirements
       1 N/A N/A A A N/A N/A     N/A N/A   NC Investment Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000110845 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-02-05): Accepted as is.
     02/05/2026 2 A A A A A A     B B   NC Investment Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000110943 XXXXXX   XXXXXX     Credit Loan Package Documentation Loan File Missing Document  Missing Document: Hazard Insurance Policy not provided   Hazard Insurance Policy is missing.       Reviewer Comment (2026-02-08): Received Hazard Insurance Policy. Exception cleared.


Reviewer Comment (2026-02-06): Received Hazard Insurance Policy, however Premium amount is not mentioned. Exception remains.


Seller Comment (2026-02-06): Comment from XXXX (XXXX): Please see attached.
 02/08/2026     1 C A C A C A C A C A   NC Primary Refinance - Cash-out - Other   C A C A A A A A   Exempt from ATR No
XXXXXX 4000110943 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-02-05): Accepted as is.
     02/05/2026 2 A A A A A A     B B   NC Primary Refinance - Cash-out - Other   C A C A A A A A   Exempt from ATR No
XXXXXX 4000110943 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-02-05): Accepted as is based on meeting three RAs requirements.
       1 N/A N/A A A N/A N/A     N/A N/A   NC Primary Refinance - Cash-out - Other   C A C A A A A A   Exempt from ATR No
XXXXXX 4000112182 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-02-04): Accepted as is based on meeting three RAs requirements.
       1 N/A N/A A A N/A N/A     N/A N/A   CA Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000112228 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___ XXXX AVM in file. CU or LCA not provided.       Reviewer Comment (2026-02-05): Accepted as is based on meeting three RAs requirements
       1 N/A N/A A A N/A N/A     N/A N/A   MD Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000112228 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___ XXXX AVM dated XXXX. The Application date is XXXX. The Note date is XXXX.       Reviewer Comment (2026-02-05): Accepted as is.
     02/05/2026 2 A A A A A A     B B   MD Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000109799 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___ Secondary valuation is not required for second lien files as per HELOC program.       Reviewer Comment (2026-02-05): Accepted as is based on meeting three RAs requirements
       1 N/A N/A A A N/A N/A     N/A N/A   MA Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000109799 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___ Secondary valuation is not required for second lien files as per HELOC program.       Reviewer Comment (2026-02-05): Accepted as is.
     02/05/2026 2 A A A A A A     B B   MA Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000110966 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-02-05): Accepted as is based on meeting two RAs requirements
       1 N/A N/A A A N/A N/A     N/A N/A   ID Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000110966 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-02-05): Accepted as is.
     02/05/2026 2 A A A A A A     B B   ID Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000112848 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___ The File was Missing the Secondary Valuation required for Securitization purposes.       Reviewer Comment (2026-02-05): Accepted as is.
     02/05/2026 2 A A A A A A     B B   IL Primary Refinance - Cash-out - Other   C A A A C A A A   Exempt from ATR No
XXXXXX 4000112848 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___ The File was Missing the Secondary Valuation required for Securitization purposes.       Reviewer Comment (2026-02-05): Accepted as is based on meeting three RAs requirements
       1 N/A N/A A A N/A N/A     N/A N/A   IL Primary Refinance - Cash-out - Other   C A A A C A A A   Exempt from ATR No
XXXXXX 4000112848 XXXXXX   XXXXXX     Compliance Compliance State Compliance State Defect Illinois SB 1894 IL Predatory Lending Database Program (XXXX) - Certificate of Compliance or Exemption not attached to mortgage for recording.         Reviewer Comment (2026-02-09): Provided. Cleared.


Seller Comment (2026-02-09): Comment from XXXX (XXXX): XXXX XXXX Please see attached Disclosure
 02/09/2026     1 C A C A C A C A C A   IL Primary Refinance - Cash-out - Other   C A A A C A A A   Exempt from ATR No
XXXXXX 4000103054 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___ 1004 Valuation in file. CU or LCA not provided.       Reviewer Comment (2026-02-05): Accepted as is based on meeting three RAs requirements
       1 N/A N/A A A N/A N/A     N/A N/A   SC Investment Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000112704 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___ For line amounts ≤ $XXXX, an approved AVM, exterior-only appraisal is required.       Reviewer Comment (2026-02-04): Accepted as is.
     02/04/2026 2 A A A A A A     B B   FL Primary Refinance - Cash-out - Other   B B A A A A B B   Exempt from ATR No
XXXXXX 4000113444 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-02-06): Accepted as is based on meeting three RAs requirements
       1 N/A N/A A A N/A N/A     N/A N/A   CA Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000113444 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-02-06): Accepted as is.
     02/06/2026 2 A A A A A A     B B   CA Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000112991 XXXXXX   XXXXXX     Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Guideline Requirement: Investor qualifying total debt ratio discrepancy.   Investor qualifying total debt ratio discrepancy       Reviewer Comment (2026-02-16): Received evidence 1st mortgage payment is paid by other with 12 months evidence


Reviewer Comment (2026-02-16): EXCEPTION HISTORY - Exception Explanation was updated on XXXX  PRIOR Exception Explanation: Calculated investor qualifying total debt ratio of XXXX% exceeds Guideline total debt ratio of XXXX%.


Seller Comment (2026-02-16): Comment from XXXX (XXXX):XXXX AD: The discrepancy is in XXX not excluding the XXXX. XXXX mortgage as paid by others. Please see attached documentation confirming as such.
 02/16/2026     1 C A C A C A C A C A   AZ Investment Refinance - Cash-out - Other   C A C A A A A A   Exempt from ATR No
XXXXXX 4000112991 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___ The file is missing a copy of the secondary valuation required for securitization purposes.       Reviewer Comment (2026-02-06): Accepted as is.
     02/06/2026 2 A A A A A A     B B   AZ Investment Refinance - Cash-out - Other   C A C A A A A A   Exempt from ATR No
XXXXXX 4000112991 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___ The file is missing a copy of the secondary valuation required for securitization purposes.       Reviewer Comment (2026-02-06): Accepted as is based on meeting three RAs requirements.
       1 N/A N/A A A N/A N/A     N/A N/A   AZ Investment Refinance - Cash-out - Other   C A C A A A A A   Exempt from ATR No
XXXXXX 4000112031 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-02-04): Accepted as is.
     02/04/2026 2 A A A A A A     B B   WA Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000112031 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-02-04): Accepted as is based on meeting two RAs requirements
       1 N/A N/A A A N/A N/A     N/A N/A   WA Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000108949 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-02-05): Accepted as is.
     02/05/2026 2 A A A A A A     B B   CA Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000108949 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-02-05): Accepted as is based on meeting more than three RAs requirement
       1 N/A N/A A A N/A N/A     N/A N/A   CA Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000111887 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-02-05): Accepted as is based on meeting three RAs requirements
       1 N/A N/A A A N/A N/A     N/A N/A   IN Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000111887 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-02-05): Accepted as is.
     02/05/2026 2 A A A A A A     B B   IN Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000111686 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-02-06): Accepted as is based on meeting more than three RAs requirements
       1 N/A N/A A A N/A N/A     N/A N/A   MI Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000111686 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-02-06): Accepted as is.
     02/06/2026 2 A A A A A A     B B   MI Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000109700 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___ Secondary valuation is not required for second lien files as per HELOC program.       Reviewer Comment (2026-02-06): Accepted as is based on meeting three RAs requirements.
       1 N/A N/A A A N/A N/A     N/A N/A   CA Primary Refinance - Cash-out - Other   C A C A A A A A   Exempt from ATR No
XXXXXX 4000109700 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___ Secondary valuation is not required for second lien files as per HELOC program.       Reviewer Comment (2026-02-06): Accepted as is.
     02/06/2026 2 A A A A A A     B B   CA Primary Refinance - Cash-out - Other   C A C A A A A A   Exempt from ATR No
XXXXXX 4000109700 XXXXXX   XXXXXX     Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Guideline Requirement: Investor qualifying total debt ratio discrepancy.   Calculated investor qualifying total debt ratio of XXXX% exceeds Guideline total debt ratio of XXXX%.       Reviewer Comment (2026-02-16): Discover Card Payoff provided. Cleared.


Seller Comment (2026-02-16): Comment from XXXX (XXXX): XXXX AD: The DTI discrepancy is due to XXX including the XXXX payment in the DTI. Please see the attached documentation verifying paid in full prior to close.
 02/16/2026     1 C A C A C A C A C A   CA Primary Refinance - Cash-out - Other   C A C A A A A A   Exempt from ATR No
XXXXXX 4000112185 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-02-06): Accepted as is based on meeting two RAs requirements
       1 N/A N/A A A N/A N/A     N/A N/A   MI Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000112185 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-02-06): Accepted as is.
     02/06/2026 2 A A A A A A     B B   MI Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000111690 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-02-06): Accepted as is based on meeting three RAs requirements
       1 N/A N/A A A N/A N/A     N/A N/A   NY Investment Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000111690 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-02-06): Accepted as is.
     02/06/2026 2 A A A A A A     B B   NY Investment Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000109505 XXXXXX   XXXXXX     Property Appraisal Reconciliation Appraisal Documentation Appraisal Reconciliation Appraisal from prior transaction provided. No secondary valuation with effective date less than 3 months past note date provided. Sec ID: 156 Note Date:  ___; Lien Position: ___ Secondary valuation not required in Heloc Second lien file .       Reviewer Comment (2026-02-04): Accepted as is based on meeting three RAs requirements.
       1 N/A N/A A A N/A N/A     N/A N/A   FL Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000110112 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___ Secondary valuation is not required for second lien files as per HELOC program.       Reviewer Comment (2026-02-05): Accepted as is based on meeting three RAs requirements.
       1 N/A N/A A A N/A N/A     N/A N/A   NC Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000110112 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___ Secondary valuation is not required for second lien files as per HELOC program.       Reviewer Comment (2026-02-05): Accepted as is.
     02/05/2026 2 A A A A A A     B B   NC Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000111718 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___ Loan is to be Securitized. One Valuation was provided, with no CU or LCA.       Reviewer Comment (2026-02-06): Accepted as is based on meeting two RAs requirements
       1 N/A N/A A A N/A N/A     N/A N/A   NJ Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000111718 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-02-06): Accepted as is.
     02/06/2026 2 A A A A A A     B B   NJ Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000110596 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___ Secondary valuation not required in Heloc Second lien file .       Reviewer Comment (2026-02-06): Accepted as is based on meeting more than three RAs requirements
       1 N/A N/A A A N/A N/A     N/A N/A   CO Investment Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000112484 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-02-06): Accepted as is based on meeting three RAs requirements.
       1 N/A N/A A A N/A N/A     N/A N/A   CO Second Home Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000112484 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-02-06): Accepted as is.
     02/06/2026 2 A A A A A A     B B   CO Second Home Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000112993 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___ Loan is to be securitized. One valuation was provided, with no CU or LCA.       Reviewer Comment (2026-02-06): Accepted as is based on meeting three RAs requirements.
       1 N/A N/A A A N/A N/A     N/A N/A   UT Investment Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000112993 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___ Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date.       Reviewer Comment (2026-02-06): Accepted as is.
     02/06/2026 2 A A A A A A     B B   UT Investment Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000112399 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___ Loan is to be securitized. One valuation was provided, with no CU or LCA       Reviewer Comment (2026-02-06): Accepted as is based on meeting three RAs requirements.
       1 N/A N/A A A N/A N/A     N/A N/A   UT Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000112399 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___ Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date.       Reviewer Comment (2026-02-06): Accepted as is.
     02/06/2026 2 A A A A A A     B B   UT Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000113148 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-02-06): Accepted as is.
     02/06/2026 2 A A A A A A     B B   FL Investment Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000113148 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-02-06): Accepted as is based on meeting three or more RAs requirements.
       1 N/A N/A A A N/A N/A     N/A N/A   FL Investment Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000109329 XXXXXX   XXXXXX     Credit Loan Package Documentation Application / Processing Missing Document  Missing Document: Approval not provided   Approval document is missing in file.       Reviewer Comment (2026-02-12): Received Approval. Exception cleared.


Seller Comment (2026-02-12): Comment from XXXX (XXXX): Approval Attached
 02/12/2026     1 C A C A C A C A C A   NJ Primary Refinance - Cash-out - Other   C A C A C A A A   Exempt from ATR No
XXXXXX 4000109329 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___ Loan is to be securitized. One valuation was provided, with no CU or LCA.       Reviewer Comment (2026-02-09): Accepted as is based on meeting two RAs requirements
       1 N/A N/A A A N/A N/A     N/A N/A   NJ Primary Refinance - Cash-out - Other   C A C A C A A A   Exempt from ATR No
XXXXXX 4000109329 XXXXXX   XXXXXX     Compliance Compliance Federal Compliance TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act:  Subject loan transaction disbursed on XXXX, prior to three (3) business days from transaction date of XXXX.         Reviewer Comment (2026-02-12): After further review, exception has been cleared.


Seller Comment (2026-02-12): Comment from XXXX (XXXX): Loan Disbursed on XXXX, please see attached confirmation.  What led to this conclusion of XXXX?
 02/12/2026     1 C A C A C A C A C A   NJ Primary Refinance - Cash-out - Other TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C A C A C A A A   Exempt from ATR Yes
XXXXXX 4000113442 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-02-09): Accepted as is.
     02/09/2026 2 A A A A A A     B B   FL Primary Refinance - Cash-out - Other   B B A A A A B B   Exempt from ATR No
XXXXXX 4000112705 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-02-09): Accepted as is.
     02/09/2026 2 A A A A A A     B B   CA Primary Refinance - Cash-out - Other   B B B B A A A A   Exempt from ATR No
XXXXXX 4000112705 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-02-09): Accepted as is based on meeting three RAs requirements
       1 N/A N/A A A N/A N/A     N/A N/A   CA Primary Refinance - Cash-out - Other   B B B B A A A A   Exempt from ATR No
XXXXXX 4000112705 XXXXXX   XXXXXX     Credit Title Document Error Title The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided.   The preliminary title policy is within XXXX and does not reflect a coverage amount (no final title policy in file).       Reviewer Comment (2026-02-09): Accepted as is.
     02/09/2026 2 B B B B B B B B B B   CA Primary Refinance - Cash-out - Other   B B B B A A A A   Exempt from ATR No
XXXXXX 4000108675 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-02-06): Accepted as is based on meeting more than three RAs requirements
       1 N/A N/A A A N/A N/A     N/A N/A   NY Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000112036 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-02-09): Accepted as is based on meeting more than three RAs requirement
       1 N/A N/A A A N/A N/A     N/A N/A   MT Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000112036 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___ Investor to Order.       Reviewer Comment (2026-02-09): Accepted as is.
     02/09/2026 2 A A A A A A     B B   MT Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000113576 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___ Investor to provide appropriate secondary valuation tool.       Reviewer Comment (2026-02-09): Accepted as is based on meeting three RAs requirements
       1 N/A N/A A A N/A N/A     N/A N/A   CA Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000113576 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___ Investor to provide appropriate secondary valuation tool.       Reviewer Comment (2026-02-09): Accepted as is.
     02/09/2026 2 A A A A A A     B B   CA Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000111687 XXXXXX   XXXXXX     Property Appraisal Reconciliation Appraisal Documentation Appraisal Reconciliation Appraisal from prior transaction provided. No secondary valuation with effective date less than 3 months past note date provided. Sec ID: 156 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-02-09): Accepted as is based on meeting three RAs requirements
       1 N/A N/A A A N/A N/A     N/A N/A   FL Investment Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000110417 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___ XXXX AVM in file. CU or LCA not provided.       Reviewer Comment (2026-02-09): Accepted as is based on meeting two RAs requirements
       1 N/A N/A A A N/A N/A     N/A N/A   MI Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000110417 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___ XXXX AVM dated XXXX. The Application date is XXXX. The Note date is XXXX.       Reviewer Comment (2026-02-09): Accepted as is.
     02/09/2026 2 A A A A A A     B B   MI Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000112035 XXXXXX   XXXXXX     Credit Property - Appraisal General Appraisal Requirements Property - Appraisal The transaction closed as a refinance of a primary residence, and the valuation reflects that the subject property is vacant.  Unable to verify occupancy. - The subject is a refinance of a primary residence, and the appraisal reflects the property is vacant.       Reviewer Comment (2026-02-20): Updated appraisal received showing owner occupied


Seller Comment (2026-02-20): Comment from XXXX (XXXX): XXXX MM: Please see attached document
 02/20/2026     1 C A C A C A C A C A   NC Primary Refinance - Cash-out - Other   C A C A A A A A   Exempt from ATR No
XXXXXX 4000112035 XXXXXX   XXXXXX     Credit Credit Miscellaneous Guideline Credit Exception:   Collections accounts over XXXX need to be paid at or before closing. Collections showing $XXXX on the credit report.       Reviewer Comment (2026-02-20): Medical collections do not need to be paid


Buyer Comment (2026-02-20): Comment from XXXX (XXXX): XXXX MM: Since these are medical collections we don't have to include those to be paid off at closing.


Reviewer Comment (2026-02-17): The approved guidelines for this loan are the XXXX HELOC Program XXXX.


Buyer Comment (2026-02-17): Comment from XXXX (XXXX): XXXX MM: According to the Standalone HELOC xxx Guidelines For one-unit, principal residence properties, borrowers are not required to pay off outstanding collections or non-mortgage charge-offs-regardless of the amount.
 02/20/2026     1   A   A   A   A   A   NC Primary Refinance - Cash-out - Other   C A C A A A A A   Exempt from ATR No
XXXXXX 4000112440 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___ CU and/or LCA Risk Score is <= XXXX however secondary appraisal available in file hence updated.       Reviewer Comment (2026-02-09): Accepted as is based on meeting three RAs requirements
       1 N/A N/A A A N/A N/A     N/A N/A   PA Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000112440 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-02-09): Accepted as is.
     02/09/2026 2 A A A A A A     B B   PA Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000110414 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-02-09): Accepted as is based on meeting three RAs requirements.
       1 N/A N/A A A N/A N/A     N/A N/A   CA Primary Refinance - Cash-out - Other   C A C A A A A A   Exempt from ATR No
XXXXXX 4000110414 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-02-09): Accepted as is.
     02/09/2026 2 A A A A A A     B B   CA Primary Refinance - Cash-out - Other   C A C A A A A A   Exempt from ATR No
XXXXXX 4000110414 XXXXXX   XXXXXX     Credit Loan Package Documentation Closing / Title Loan Package Documentation Missing Document: Rider - PUD not provided   Rider-PUD is missing.       Reviewer Comment (2026-02-09): Rider-PUD received, cleared


Seller Comment (2026-02-09): Comment from XXXX (XXXX): XXXX RF please see attached
 02/09/2026     1 C A C A C A C A C A   CA Primary Refinance - Cash-out - Other   C A C A A A A A   Exempt from ATR No
XXXXXX 4000109886 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___ Loan is to be securitized. One valuation was provided, with no CU or LCA       Reviewer Comment (2026-02-10): Accepted as is based on meeting two RAs requirements
       1 N/A N/A A A N/A N/A     N/A N/A   AZ Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000111063 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___ Loan is to be securitized. One valuation was provided, with no CU or LCA       Reviewer Comment (2026-02-09): Accepted as is based on meeting two RAs requirements
       1 N/A N/A A A N/A N/A     N/A N/A   MD Investment Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000111063 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___ Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date.       Reviewer Comment (2026-02-09): Accepted as is.
     02/09/2026 2 A A A A A A     B B   MD Investment Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000112921 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___ XXXX AVM by XXXX in file. CU or LCA not provided.       Reviewer Comment (2026-02-10): Accepted as is.
     02/10/2026 2 A A A A A A     B B   CA Primary Refinance - Cash-out - Other   B B B B A A A A   Exempt from ATR No
XXXXXX 4000112921 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___ XXXX AVM by XXXX in file. CU or LCA not provided.       Reviewer Comment (2026-02-10): Accepted as is based on meeting three RAs requirements
       1 N/A N/A A A N/A N/A     N/A N/A   CA Primary Refinance - Cash-out - Other   B B B B A A A A   Exempt from ATR No
XXXXXX 4000112921 XXXXXX   XXXXXX     Credit Title Document Error Title The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided.   Preliminary Title Report does not list Title policy coverage amount.       Reviewer Comment (2026-02-10): Accepted as is.
     02/10/2026 2 B B B B B B B B B B   CA Primary Refinance - Cash-out - Other   B B B B A A A A   Exempt from ATR No
XXXXXX 4000112245 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-02-10): Accepted as is based on meeting two RAs requirements
       1 N/A N/A A A N/A N/A     N/A N/A   VA Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000112245 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-02-10): Accepted as is.
     02/10/2026 2 A A A A A A     B B   VA Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000111787 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-02-09): Accepted as is based on meeting more than three RAs requirements
       1 N/A N/A A A N/A N/A     N/A N/A   CT Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000111787 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-02-09): Accepted as is.
     02/09/2026 2 A A A A A A     B B   CT Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000113052 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___ Loan is to be securitized. One valuation was provided, with no CU or LCA.       Reviewer Comment (2026-02-09): Accepted as is based on meeting three RAs requirements
       1 N/A N/A A A N/A N/A     N/A N/A   UT Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000113052 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___ Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date.       Reviewer Comment (2026-02-09): Accepted as is.
     02/09/2026 2 A A A A A A     B B   UT Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000105791 XXXXXX   XXXXXX     Compliance Compliance Federal Compliance ECOA ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation.         Reviewer Comment (2026-02-09): Accepted as is.
     02/09/2026 2 B B B B B B B B B B   VA Investment Refinance - Cash-out - Other   C B C A B B A A   Exempt from ATR No
XXXXXX 4000105791 XXXXXX   XXXXXX     Credit Income / Employment Income Documentation Missing Document  REO Documents are missing. - ___ HOA document is missing for REO XXXX       Reviewer Comment (2026-02-28): Received, Clearing.


Seller Comment (2026-02-27): Comment from XXXX (XXXX): No HOA
 02/28/2026     1 C A C A C A C A C A   VA Investment Refinance - Cash-out - Other   C B C A B B A A   Exempt from ATR No
XXXXXX 4000111694 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-02-09): Accepted as is.
     02/09/2026 2 A A A A A A     B B   ID Primary Refinance - Cash-out - Other   B B A A A A B B   Exempt from ATR No
XXXXXX 4000114275 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___ AVM is acceptable       Reviewer Comment (2026-02-10): Accepted as is based on meeting two RAs requirements
       1 N/A N/A A A N/A N/A     N/A N/A   NC Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000114275 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___ AVM is acceptable       Reviewer Comment (2026-02-10): Accepted as is.
     02/10/2026 2 A A A A A A     B B   NC Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000107747 XXXXXX   XXXXXX     Credit Income / Employment Income Documentation Missing Document  REO Documents are missing. -         Reviewer Comment (2026-02-12): Received Property History Report. Exception cleared.


Seller Comment (2026-02-11): Comment from XXXX (XXXX): XXXX  taxes
 02/12/2026     1 C A C A C A C A C A   UT Investment Refinance - Cash-out - Other   C A C A A A A A   Exempt from ATR No
XXXXXX 4000107747 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-02-10): Accepted as is.
     02/10/2026 2 A A A A A A     B B   UT Investment Refinance - Cash-out - Other   C A C A A A A A   Exempt from ATR No
XXXXXX 4000107747 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-02-10): Accepted as is based on meeting three RAs requirements.
       1 N/A N/A A A N/A N/A     N/A N/A   UT Investment Refinance - Cash-out - Other   C A C A A A A A   Exempt from ATR No
XXXXXX 4000112183 XXXXXX   XXXXXX     Property Appraisal Reconciliation Appraisal Documentation Appraisal Reconciliation Appraisal from prior transaction provided. No secondary valuation with effective date less than 3 months past note date provided. Sec ID: 156 Note Date:  ___; Lien Position: ___ Appraisal sent is before Application Date       Reviewer Comment (2026-02-10): Accepted as is based on meeting three RAs requirements
       1 N/A N/A A A N/A N/A     N/A N/A   MT Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000112396 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-02-10): Accepted as is based on meeting three RAs requirements
       1 N/A N/A A A N/A N/A     N/A N/A   WA Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000112396 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-02-10): Accepted as is.
     02/10/2026 2 A A A A A A     B B   WA Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000112932 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___ Loan is to be securitized. One valuation was provided, with no CU or LCA.       Reviewer Comment (2026-02-10): Accepted as is based on meeting more than three RAs requirements
       1 N/A N/A A A N/A N/A     N/A N/A   AL Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000112932 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___ Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date.       Reviewer Comment (2026-02-10): Accepted as is.
     02/10/2026 2 A A A A A A     B B   AL Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000112919 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-02-10): Accepted as is based on meeting more than three RAs requirements
       1 N/A N/A A A N/A N/A     N/A N/A   CA Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000112919 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-02-10): Accepted as is.
     02/10/2026 2 A A A A A A     B B   CA Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000113709 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-02-10): Accepted as is based on meeting three RAs requirements
       1 N/A N/A A A N/A N/A     N/A N/A   CA Investment Refinance - Cash-out - Other   B B B B A A A A   Exempt from ATR No
XXXXXX 4000113709 XXXXXX   XXXXXX     Credit Title Document Error Title The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided.           Reviewer Comment (2026-02-10): Accepted as is.
     02/10/2026 2 B B B B B B B B B B   CA Investment Refinance - Cash-out - Other   B B B B A A A A   Exempt from ATR No
XXXXXX 4000112256 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___ XXXX AVM in file. CU or LCA not provided.       Reviewer Comment (2026-02-10): Accepted as is.
     02/10/2026 2 A A A A A A     B B   NE Primary Refinance - Cash-out - Other   D A D A A A A A   Exempt from ATR No
XXXXXX 4000112256 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___ XXXX AVM in file. CU or LCA not provided.       Reviewer Comment (2026-02-10): Accepted as is based on meeting more than three RAs requirements
       1 N/A N/A A A N/A N/A     N/A N/A   NE Primary Refinance - Cash-out - Other   D A D A A A A A   Exempt from ATR No
XXXXXX 4000112256 XXXXXX   XXXXXX     Credit Loan Package Documentation Application / Processing Loan Package Documentation Missing Document: Note - Senior Lien not provided   1st mortgage statement or note is missing       Reviewer Comment (2026-02-28): Received, Clearing.


Seller Comment (2026-02-27): Comment from XXXX (XXXX): They do not receive a traditional mortgage statement
 02/28/2026     1 D A D A D A D A D A   NE Primary Refinance - Cash-out - Other   D A D A A A A A   Exempt from ATR No
XXXXXX 4000113250 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___ Loan is to be securitized. One valuation was provided, with no CU or LCA.       Reviewer Comment (2026-02-10): Accepted as is based on meeting three RAs requirements
       1 N/A N/A A A N/A N/A     N/A N/A   OR Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000113250 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___ Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date.       Reviewer Comment (2026-02-10): Accepted as is.
     02/10/2026 2 A A A A A A     B B   OR Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000111865 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-02-10): Accepted as is based on meeting three RAs requirements
       1 N/A N/A A A N/A N/A     N/A N/A   NC Investment Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000111865 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-02-10): Accepted as is.
     02/10/2026 2 A A A A A A     B B   NC Investment Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000111685 XXXXXX   XXXXXX     Credit Insurance Insurance Analysis Insurance Hazard Insurance Policy expires within 90 days of the Note Date. Hazard Insurance Policy Expiration Date ___, Note Date ___ Hazard Insurance Policy expires within XXXX days of the Note Date       Reviewer Comment (2026-02-10): Accepted as is.
     02/10/2026 2 B B B B B B B B B B   FL Primary Refinance - Cash-out - Other   C B C B A A A A   Exempt from ATR No
XXXXXX 4000111685 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-02-10): Accepted as is based on meeting more than three RAs requirement
       1 N/A N/A A A N/A N/A     N/A N/A   FL Primary Refinance - Cash-out - Other   C B C B A A A A   Exempt from ATR No
XXXXXX 4000111685 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-02-10): Accepted as is.
     02/10/2026 2 A A A A A A     B B   FL Primary Refinance - Cash-out - Other   C B C B A A A A   Exempt from ATR No
XXXXXX 4000111685 XXXXXX   XXXXXX     Credit Missing Document General Missing Document Missing Document: Legal Description not provided           Reviewer Comment (2026-02-11): Received, Clearing.


Seller Comment (2026-02-11): Comment from XXXX (XXXX): LL XXXX Please see the attached Legal Description.
 02/11/2026     1 C A C A C A C A C A   FL Primary Refinance - Cash-out - Other   C B C B A A A A   Exempt from ATR No
XXXXXX 4000111513 XXXXXX   XXXXXX     Credit Title Document Error Title The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided.   The preliminary title policy is within XXXX and does not reflect a coverage amount (no final title policy in file).       Reviewer Comment (2026-02-10): Accepted as is.
     02/10/2026 2 B B B B B B B B B B   CA Primary Refinance - Cash-out - Other   B B B B A A A A   Exempt from ATR No
XXXXXX 4000111513 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___ CU and/or LCA Risk Score is <= XXXX however secondary appraisal available in file hence updated.       Reviewer Comment (2026-02-10): Accepted as is based on meeting two RAs requirements
       1 N/A N/A A A N/A N/A     N/A N/A   CA Primary Refinance - Cash-out - Other   B B B B A A A A   Exempt from ATR No
XXXXXX 4000111513 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-02-10): Accepted as is.
     02/10/2026 2 A A A A A A     B B   CA Primary Refinance - Cash-out - Other   B B B B A A A A   Exempt from ATR No
XXXXXX 4000110980 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-02-10): Accepted as is based on meeting three RAs requirements.
       1 N/A N/A A A N/A N/A     N/A N/A   CA Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000110980 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-02-10): Accepted as is.
     02/10/2026 2 A A A A A A     B B   CA Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000112618 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-02-10): Accepted as is based on meeting three RAs requirements.
       1 N/A N/A A A N/A N/A     N/A N/A   NY Primary Refinance - Cash-out - Other   C A C A A A A A   Exempt from ATR No
XXXXXX 4000112618 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-02-10): Accepted as is.
     02/10/2026 2 A A A A A A     B B   NY Primary Refinance - Cash-out - Other   C A C A A A A A   Exempt from ATR No
XXXXXX 4000112618 XXXXXX   XXXXXX     Credit Insurance Insurance Analysis Insurance Insurance address does not match Note address.   City listed as XXXX vs XXXX       Reviewer Comment (2026-02-17): Received, Clearing.


Seller Comment (2026-02-17): Comment from XXXX (XXXX): XXXX- xxx: Please see attached. The xxx recognizes XXXX as an acceptable variation of the subject city.
 02/17/2026     1 C A C A C A C A C A   NY Primary Refinance - Cash-out - Other   C A C A A A A A   Exempt from ATR No
XXXXXX 4000112618 XXXXXX   XXXXXX     Credit System General Appraisal Reconciliation Valuation address does not match Note address. - City listed as XXXX vs XXXX       Reviewer Comment (2026-02-17): Received, Clearing.


Seller Comment (2026-02-17): Comment from XXXX (XXXX): XXXX - xxx: Please see attached. The xxx recognizes XXXX as an acceptable variation of the subject city.
 02/17/2026     1 C A C A C A C A C A   NY Primary Refinance - Cash-out - Other   C A C A A A A A   Exempt from ATR No
XXXXXX 4000111677 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-02-10): Accepted as is based on meeting two RAs requirements
       1 N/A N/A A A N/A N/A     N/A N/A   MI Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000111677 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-02-10): Accepted as is.
     02/10/2026 2 A A A A A A     B B   MI Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000114868 XXXXXX   XXXXXX     Credit Title Document Error Title The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided.           Reviewer Comment (2026-02-10): Accepted as is.
     02/10/2026 2 B B B B B B B B B B   CA Primary Refinance - Cash-out - Other   B B B B A A A A   Exempt from ATR No
XXXXXX 4000114868 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___ AVM is acceptable as per guidelines       Reviewer Comment (2026-02-10): Accepted as is based on meeting three RAs requirements.
       1 N/A N/A A A N/A N/A     N/A N/A   CA Primary Refinance - Cash-out - Other   B B B B A A A A   Exempt from ATR No
XXXXXX 4000114868 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___ AVM is acceptable as per guidelines       Reviewer Comment (2026-02-10): Accepted as is.
     02/10/2026 2 A A A A A A     B B   CA Primary Refinance - Cash-out - Other   B B B B A A A A   Exempt from ATR No
XXXXXX 4000112033 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___ Loan is to be securitized. One valuation was provided, with no CU or LCA.       Reviewer Comment (2026-02-11): Accepted as is based on meeting two RAs requirements
       1 N/A N/A A A N/A N/A     N/A N/A   WA Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000112033 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___ Loan is to be securitized. One valuation was provided with an effective date between application date and note date.       Reviewer Comment (2026-02-11): Accepted as is.
     02/11/2026 2 A A A A A A     B B   WA Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000112243 XXXXXX   XXXXXX     Credit Title Document Error Title The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided.           Reviewer Comment (2026-02-11): Accepted as is.
     02/11/2026 2 B B B B B B B B B B   CA Primary Refinance - Cash-out - Other   B B B B A A A A   Exempt from ATR No
XXXXXX 4000112243 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-02-11): Accepted as is based on meeting two RAs requirements
       1 N/A N/A A A N/A N/A     N/A N/A   CA Primary Refinance - Cash-out - Other   B B B B A A A A   Exempt from ATR No
XXXXXX 4000112740 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___ AVM with loan amount less than $XXXX is acceptable       Reviewer Comment (2026-02-10): Accepted as is based on meeting more than three RAs requirements
       1 N/A N/A A A N/A N/A     N/A N/A   IN Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000112740 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___ AVM with loan amount less than $XXXX is acceptable       Reviewer Comment (2026-02-10): Accepted as is.
     02/10/2026 2 A A A A A A     B B   IN Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000112740 XXXXXX   XXXXXX     Compliance Compliance Federal Compliance TILA Truth in Lending Act (HELOC): Fee amounts for testing were sourced from one or more fee documents in file containing higher amounts than that reflected on HELOC Agreement. Truth in Lending Act (HELOC): Fee amounts were sourced from multiple disclosures containing higher amounts than that reflected on HELOC Agreement.         Reviewer Comment (2026-02-10): Accepted as is.
     02/10/2026 2 A A A A A A A A A A   IN Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000113873 XXXXXX   XXXXXX     Credit Title Document Error Title The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided.   The Preliminary title policy amount is blank.       Reviewer Comment (2026-02-10): Accepted as is.
     02/10/2026 2 B B B B B B B B B B   CA Primary Refinance - Cash-out - Other   B B B B A A A A   Exempt from ATR No
XXXXXX 4000113873 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-02-10): Accepted as is based on meeting three RAs requirements
       1 N/A N/A A A N/A N/A     N/A N/A   CA Primary Refinance - Cash-out - Other   B B B B A A A A   Exempt from ATR No
XXXXXX 4000113873 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-02-10): Accepted as is.
     02/10/2026 2 A A A A A A     B B   CA Primary Refinance - Cash-out - Other   B B B B A A A A   Exempt from ATR No
XXXXXX 4000114193 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 180 Note Date:  ___; Lien Position: ___ Secondary valuation is not required.       Reviewer Comment (2026-02-10): Accepted as is based on meeting two RAs requirements
       3 N/A N/A A A N/A N/A     D D   NC Second Home Refinance - Cash-out - Other   D D A A B B D D   Exempt from ATR No
XXXXXX 4000114193 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 372 Note Date:  ___; Lien Position: ___ LTV is less then XXXX % hence no additional valuation document is required.       Reviewer Comment (2026-02-10): Accepted as is.
     02/10/2026 2 B B A A A A     A A   NC Second Home Refinance - Cash-out - Other   D D A A B B D D   Exempt from ATR No
XXXXXX 4000114193 XXXXXX   XXXXXX     Compliance Compliance Federal Compliance ECOA ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation.       Reviewer Comment (2026-02-10): Accepted as is.
     02/10/2026 2 B B B B B B B B B B   NC Second Home Refinance - Cash-out - Other   D D A A B B D D   Exempt from ATR No
XXXXXX 4000114193 XXXXXX   XXXXXX     Compliance Compliance Federal Compliance ECOA ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status.       Reviewer Comment (2026-02-10): Accepted as is.
     02/10/2026 2 B B B B B B B B B B   NC Second Home Refinance - Cash-out - Other   D D A A B B D D   Exempt from ATR No
XXXXXX 4000112402 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___ Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date       Reviewer Comment (2026-02-10): Accepted as is.
     02/10/2026 2 A A A A A A     B B   WA Investment Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000112402 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___ Loan is to be securitized. One valuation was provided, with no CU or LCA.       Reviewer Comment (2026-02-10): Accepted as is based on meeting three RAs requirements
       1 N/A N/A A A N/A N/A     N/A N/A   WA Investment Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000112488 XXXXXX   XXXXXX     Credit Income / Employment Income Documentation Income / Employment Income Docs Missing: - Award Letter is missing for co-borrower       Reviewer Comment (2026-02-14): Received, Clearing.


Seller Comment (2026-02-13): Comment from XXXX (XXXX): SSI award letter


Reviewer Comment (2026-02-12): The award letter needed is for the Social Security income.


Seller Comment (2026-02-12): Comment from XXXX (XXXX): Pension Award Letter
 02/14/2026     1 C A C A C A C A C A   CA Primary Refinance - Cash-out - Other   C A C A A A A A   Exempt from ATR No
XXXXXX 4000112488 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-02-10): Accepted as is.
     02/10/2026 2 A A A A A A     B B   CA Primary Refinance - Cash-out - Other   C A C A A A A A   Exempt from ATR No
XXXXXX 4000112488 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-02-10): Accepted as is based on meeting three RAs requirements
       1 N/A N/A A A N/A N/A     N/A N/A   CA Primary Refinance - Cash-out - Other   C A C A A A A A   Exempt from ATR No
XXXXXX 4000108405 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-02-11): Accepted as is based on meeting three RAs requirements.
       1 N/A N/A A A N/A N/A     N/A N/A   CA Primary Refinance - Cash-out - Other   C A A A C A A A   Exempt from ATR No
XXXXXX 4000108405 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-02-11): Accepted as is.
     02/11/2026 2 A A A A A A     B B   CA Primary Refinance - Cash-out - Other   C A A A C A A A   Exempt from ATR No
XXXXXX 4000108405 XXXXXX   XXXXXX     Compliance Compliance Federal Compliance TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act:  Subject loan transaction disbursed on XXXX, prior to three (3) business days from transaction date of XXXX         Reviewer Comment (2026-02-13): Updated the SI notary date, cleared


Reviewer Comment (2026-02-11): Notary date was XXXX so the earliest distribution date would have been XXXX.


Seller Comment (2026-02-11): Comment from XXXX (XXXX): Please see attached NORTC signed XXXX with recission expires XXXX.
 02/13/2026     1 C A C A C A C A C A   CA Primary Refinance - Cash-out - Other TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C A A A C A A A   Exempt from ATR Yes
XXXXXX 4000108405 XXXXXX   XXXXXX     Compliance Compliance Federal Compliance TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date Truth in Lending Act:  Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s).         Reviewer Comment (2026-02-13): Updated the SI notary date, cleared


Reviewer Comment (2026-02-11): Notary date was XXXX so the earliest distribution date would have been XXXX.


Buyer Comment (2026-02-11): Comment from XXXX (XXXX): Please see attached NORTC signed XXXX with recission expires XXXX.
 02/13/2026     1 C A C A C A C A C A   CA Primary Refinance - Cash-out - Other TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C A A A C A A A   Exempt from ATR Yes
XXXXXX 4000110798 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___ Secondary valuation is not required for second lien files as per HELOC program.       Reviewer Comment (2026-02-11): Accepted as is.
     02/11/2026 2 A A A A A A     B B   MN Investment Refinance - Cash-out - Other   C A C A A A A A   Exempt from ATR No
XXXXXX 4000110798 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___ Loan is to be securitized. One valuation was provided, with no CU or LCA.       Reviewer Comment (2026-02-11): Accepted as is based on meeting three RAs requirements.
       1 N/A N/A A A N/A N/A     N/A N/A   MN Investment Refinance - Cash-out - Other   C A C A A A A A   Exempt from ATR No
XXXXXX 4000110798 XXXXXX   XXXXXX     Credit Income / Employment Income Documentation Income / Employment Income Docs Missing: - Missing Third Party Verification for XXXX       Reviewer Comment (2026-03-02): Received Third party Verification document confirming that the business is currently active and borrower has XXXX% ownership of business xxx . Exception cleared.


Seller Comment (2026-03-02): Comment from XXXX (XXXX): Please see VVOE attached
 03/02/2026     1 C A C A C A C A C A   MN Investment Refinance - Cash-out - Other   C A C A A A A A   Exempt from ATR No
XXXXXX 4000112184 XXXXXX   XXXXXX     Credit Title General Title Title Policy Coverage is less than Original Loan Amount. The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file.         Reviewer Comment (2026-02-11): Accepted as is.
     02/11/2026 2 B B B B B B B B B B   CA Primary Refinance - Cash-out - Other   B B B B A A A A   Exempt from ATR No
XXXXXX 4000112184 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-02-11): Accepted as is based on meeting three RAs requirements.
       1 N/A N/A A A N/A N/A     N/A N/A   CA Primary Refinance - Cash-out - Other   B B B B A A A A   Exempt from ATR No
XXXXXX 4000112184 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-02-11): Accepted as is.
     02/11/2026 2 A A A A A A     B B   CA Primary Refinance - Cash-out - Other   B B B B A A A A   Exempt from ATR No
XXXXXX 4000115368 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-02-11): Accepted as is based on meeting two RAs requirements
       1 N/A N/A A A N/A N/A     N/A N/A   CA Investment Refinance - Cash-out - Other   B B B B A A A A   Exempt from ATR No
XXXXXX 4000115368 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-02-11): Accepted as is.
     02/11/2026 2 A A A A A A     B B   CA Investment Refinance - Cash-out - Other   B B B B A A A A   Exempt from ATR No
XXXXXX 4000115368 XXXXXX   XXXXXX     Credit Title Document Error Title The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided.           Reviewer Comment (2026-02-11): Accepted as is.
     02/11/2026 2 B B B B B B B B B B   CA Investment Refinance - Cash-out - Other   B B B B A A A A   Exempt from ATR No
XXXXXX 4000111648 XXXXXX   XXXXXX     Compliance Compliance Federal Compliance TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form Right of Rescission Timing - Note Date used as Transaction Date Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements         Reviewer Comment (2026-02-11): Accepted as is.
     02/11/2026 2 B B B B B B B B B B   GA Primary Refinance - Cash-out - Other   B B A A B B A A   Exempt from ATR No
XXXXXX 4000113309 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-02-11): Accepted as is.
     02/11/2026 2 A A A A A A     B B   CO Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000113309 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___ Loan is to be securitized. AVM was provided, with no CU or LCA.       Reviewer Comment (2026-02-11): Accepted as is based on meeting two RAs requirements
       1 N/A N/A A A N/A N/A     N/A N/A   CO Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000110536 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___ Loan is to be securitized. One valuation was provided, with no CU or LCA.       Reviewer Comment (2026-02-11): Accepted as is based on meeting three RAs requirements.
       1 N/A N/A A A N/A N/A     N/A N/A   AL Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000110536 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___ Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date.       Reviewer Comment (2026-02-11): Accepted as is.
     02/11/2026 2 A A A A A A     B B   AL Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000111514 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___ Secondary valuation not required in Heloc Second lien file .       Reviewer Comment (2026-02-11): Accepted as is based on meeting three RAs requirements
       1 N/A N/A A A N/A N/A     N/A N/A   NY Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000111514 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___ Secondary valuation not required in Heloc Second lien file .       Reviewer Comment (2026-02-11): Accepted as is.
     02/11/2026 2 A A A A A A     B B   NY Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000113893 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-02-11): Accepted as is based on meeting three RAs requirements.
       1 N/A N/A A A N/A N/A     N/A N/A   KS Primary Refinance - Cash-out - Other   B B A A B B A A   Exempt from ATR No
XXXXXX 4000113893 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-02-11): Accepted as is.
     02/11/2026 2 A A A A A A     B B   KS Primary Refinance - Cash-out - Other   B B A A B B A A   Exempt from ATR No
XXXXXX 4000113893 XXXXXX   XXXXXX     Compliance Compliance Federal Compliance Missing Disclosure Notice of Special Flood Hazard Disclosure Not Provided Timely FDPA Notification Rule: Creditor did not provide a Notice of Special Flood Hazard Disclosure within a reasonable time prior to closing. Creditor did not provide a Notice of Special Flood Hazard Disclosure within a reasonable time prior to closing.       Reviewer Comment (2026-02-11): Accepted as is.
     02/11/2026 2 B B B B B B B B B B   KS Primary Refinance - Cash-out - Other   B B A A B B A A   Exempt from ATR No
XXXXXX 4000115183 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-02-12): Accepted as is.
     02/12/2026 2 A A A A A A     B B   CA Primary Refinance - Cash-out - Other   B B B B A A A A   Exempt from ATR No
XXXXXX 4000115183 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-02-12): Accepted as is based on meeting two RAs requirements
       1 N/A N/A A A N/A N/A     N/A N/A   CA Primary Refinance - Cash-out - Other   B B B B A A A A   Exempt from ATR No
XXXXXX 4000115183 XXXXXX   XXXXXX     Credit Title General Title Title Policy Coverage is less than Original Loan Amount. The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. Title Policy Amount of $XXXX is less than the note amount of $XXXX based on the Commitment in file.       Reviewer Comment (2026-02-12): Accepted as is.
     02/12/2026 2 B B B B B B B B B B   CA Primary Refinance - Cash-out - Other   B B B B A A A A   Exempt from ATR No
XXXXXX 4000115070 XXXXXX   XXXXXX     Credit Insurance Insurance Analysis Insurance Insufficient Coverage: Flood insurance coverage amount is insufficient.   Flood Insurance Coverage Amount is insufficient.       Reviewer Comment (2026-02-18): Updated replacement cost value. Exception cleared.


Seller Comment (2026-02-18): Comment from XXXX (XXXX):XXXX - xxx: Please see attached. Page#1 of the Flood insurance Policy confirms a replacement cost value of $XXXX
 02/18/2026     1 C A C A C A C A C A   CA Investment Refinance - Cash-out - Other   C A C A A A A A   Exempt from ATR No
XXXXXX 4000115070 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___ Loan is to be securitized. One valuation was provided, with no CU or LCA       Reviewer Comment (2026-02-11): Accepted as is based on meeting three RAs requirements
       1 N/A N/A A A N/A N/A     N/A N/A   CA Investment Refinance - Cash-out - Other   C A C A A A A A   Exempt from ATR No
XXXXXX 4000115070 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___ Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date       Reviewer Comment (2026-02-11): Accepted as is.
     02/11/2026 2 A A A A A A     B B   CA Investment Refinance - Cash-out - Other   C A C A A A A A   Exempt from ATR No
XXXXXX 4000109992 XXXXXX   XXXXXX     Credit Title General Title Title Policy Coverage is less than Original Loan Amount. The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file.         Reviewer Comment (2026-02-11): Accepted as is.
     02/11/2026 2 B B B B B B B B B B   AZ Primary Refinance - Cash-out - Other   B B B B A A A A   Exempt from ATR No
XXXXXX 4000113868 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-02-12): Accepted as is based on meeting three RAs requirements.
       1 N/A N/A A A N/A N/A     N/A N/A   MI Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000113868 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-02-12): Accepted as is.
     02/12/2026 2 A A A A A A     B B   MI Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000113149 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-02-11): Accepted as is based on meeting two RAs requirements
       1 N/A N/A A A N/A N/A     N/A N/A   CA Primary Refinance - Cash-out - Other   B B B B A A A A   Exempt from ATR No
XXXXXX 4000113149 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-02-11): Accepted as is.
     02/11/2026 2 A A A A A A     B B   CA Primary Refinance - Cash-out - Other   B B B B A A A A   Exempt from ATR No
XXXXXX 4000113149 XXXXXX   XXXXXX     Credit Title Document Error Title The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided.           Reviewer Comment (2026-02-11): Accepted as is.
     02/11/2026 2 B B B B B B B B B B   CA Primary Refinance - Cash-out - Other   B B B B A A A A   Exempt from ATR No
XXXXXX 4000112518 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136           Reviewer Comment (2026-02-18): Second AVM received, cleared


Seller Comment (2026-02-18): Comment from XXXX (XXXX): XXXX - xxx: Please see attached.
 02/18/2026     1 N/A A A A N/A A   A N/A A   WA Primary Refinance - Cash-out - Other   C B C A A A A B   Exempt from ATR No
XXXXXX 4000112518 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-02-11): Accepted as is.
     02/11/2026 2 A A A A A A     B B   WA Primary Refinance - Cash-out - Other   C B C A A A A B   Exempt from ATR No
XXXXXX 4000112518 XXXXXX   XXXXXX     Credit Loan Package Documentation Application / Processing Loan Package Documentation Loan originated as Primary residence, yet URLA declarations indicates borrower will not occupy. -         Reviewer Comment (2026-02-18): Application with updated URLA declaration received, cleared


Seller Comment (2026-02-18): Comment from XXXX (XXXX): XXXX - xxx: Please see attached.
 02/18/2026     1 C A C A C A C A C A   WA Primary Refinance - Cash-out - Other   C B C A A A A B   Exempt from ATR No
XXXXXX 4000114031 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-02-12): Accepted as is based on meeting two RAs requirements
       1 N/A N/A A A N/A N/A     N/A N/A   OH Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000114031 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-02-12): Accepted as is.
     02/12/2026 2 A A A A A A     B B   OH Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000109743 XXXXXX   XXXXXX     Credit Income / Employment Income Documentation Missing Document  REO Documents are missing. - ___ Need the insurance documentation for this property.       Reviewer Comment (2026-02-13): Received, cleared


Seller Comment (2026-02-13): Comment from XXXX (XXXX): Please see attached.
 02/13/2026     1 C A C A C A C A C A   CA Primary Refinance - Cash-out - Other   C A C A A A A A   Exempt from ATR No
XXXXXX 4000109743 XXXXXX   XXXXXX     Credit Credit Miscellaneous Guideline Credit Exception:   The subject property does not have a first lien.  The HELOC Agreement reflects the loan as a second lien. Need an updated HELOC Agreement with status as first lien.       Reviewer Comment (2026-02-16): Received updated credit agreement


Seller Comment (2026-02-16): Comment from XXXX (XXXX): Please see attached.
 02/16/2026     1 C A C A C A C A C A   CA Primary Refinance - Cash-out - Other   C A C A A A A A   Exempt from ATR No
XXXXXX 4000112994 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___ XXXX AVM in file. CU or LCA not provided.       Reviewer Comment (2026-02-11): Accepted as is.
     02/11/2026 2 A A A A A A     B B   CO Primary Refinance - Cash-out - Other   B B B B A A A A   Exempt from ATR No
XXXXXX 4000112994 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___ XXXX AVM in file. CU or LCA not provided.       Reviewer Comment (2026-02-11): Accepted as is based on meeting three RAs requirements
       1 N/A N/A A A N/A N/A     N/A N/A   CO Primary Refinance - Cash-out - Other   B B B B A A A A   Exempt from ATR No
XXXXXX 4000112994 XXXXXX   XXXXXX     Credit Title General Title Title Policy Coverage is less than Original Loan Amount. The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. Title Policy Amount of $XXXXis less than the note amount of $XXXX based on the Commitment in file.       Reviewer Comment (2026-02-11): Accepted as is.
     02/11/2026 2 B B B B B B B B B B   CO Primary Refinance - Cash-out - Other   B B B B A A A A   Exempt from ATR No
XXXXXX 4000112186 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-02-12): Accepted as is based on meeting two RAs requirements
       1 N/A N/A A A N/A N/A     N/A N/A   NV Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000112186 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-02-12): Accepted as is.
     02/12/2026 2 A A A A A A     B B   NV Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000112992 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___ CU and/or LCA Risk Score is <= XXXX however secondary appraisal available in file hence updated.       Reviewer Comment (2026-02-13): Accepted as is based on meeting three RAs requirements.
       1 N/A N/A A A N/A N/A     N/A N/A   CA Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000111266 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-02-12): Accepted as is.
     02/12/2026 2 A A A A A A     B B   KS Primary Refinance - Cash-out - Other   B B A A A A B B   Exempt from ATR No
XXXXXX 4000112563 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___ XXXX AVM is dated XXXX. The Application date is XXXX. The Note date is XXXX.       Reviewer Comment (2026-02-12): Accepted as is.
     02/12/2026 2 A A A A A A     B B   CA Primary Refinance - Cash-out - Other   D B C A A A D B   Exempt from ATR No
XXXXXX 4000112563 XXXXXX   XXXXXX     Property Appraisal Reconciliation Value Discrepancy Appraisal Reconciliation Loan is to be securitized. Two valuations were provided, one of which does not support value. No CU or LCA provided. Sec ID: 142   XXXX AVM in file value is $XXXX. The XXXX valuation in file value is $XXXX. CU or LCA not provided.       Reviewer Comment (2026-03-11): Received, Clearing.


Seller Comment (2026-03-10): Comment from XXXX (XXXX): Please see attached
 03/11/2026     1 C A A A C A   A D A   CA Primary Refinance - Cash-out - Other   D B C A A A D B   Exempt from ATR No
XXXXXX 4000112563 XXXXXX   XXXXXX     Credit Insurance Insurance Analysis Insurance Insufficient Coverage: Hazard insurance coverage amount is insufficient.   The total dwelling coverage is XXXX + XXXX% or $XXXX. The UPB of the 1st and subject liens is $XXXX. The coverage shortage is $XXXX       Reviewer Comment (2026-03-03): Received Replacement Cost Estimator and the shortfall is covered. Exception cleared.


Buyer Comment (2026-03-03): Comment from XXXX (XXXX): Please see page 288 of the loan file. The insurance agent confirmed the RCE
 03/03/2026     1 C A C A C A C A C A   CA Primary Refinance - Cash-out - Other   D B C A A A D B   Exempt from ATR No
XXXXXX 4000112563 XXXXXX   XXXXXX     Property Appraisal Reconciliation Value Discrepancy Appraisal Reconciliation Loan is to be securitized. Multiple valuations were provided. One or more secondary valuations support value.  One non-supporting secondary valuation with an effective date within 12 months of note date was provided. No CU or LCA providing relief are in evidence. Sec ID: 147 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-03-11): Accepted as is.
     03/11/2026 2   A   A   A       B   CA Primary Refinance - Cash-out - Other   D B C A A A D B   Exempt from ATR No
XXXXXX 4000112707 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___ XXXX AVM is dated XXXX. The Application date is XXXX. The Note date is XXXX.       Reviewer Comment (2026-02-12): Accepted as is.
     02/12/2026 2 A A A A A A     B B   NC Investment Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000112707 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___ XXXX AVM in file. CU or LCA not provided.       Reviewer Comment (2026-02-12): Accepted as is based on meeting three RAs requirements
       1 N/A N/A A A N/A N/A     N/A N/A   NC Investment Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000112551 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-02-13): Accepted as is.
     02/13/2026 2 A A A A A A     B B   AZ Investment Refinance - Cash-out - Other   C A C A A A A A   Exempt from ATR No
XXXXXX 4000112551 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___ Loan is to be securitized. AVM was provided, with no CU or LCA.       Reviewer Comment (2026-02-13): Accepted as is based on meeting three RAs requirements
       1 N/A N/A A A N/A N/A     N/A N/A   AZ Investment Refinance - Cash-out - Other   C A C A A A A A   Exempt from ATR No
XXXXXX 4000112551 XXXXXX   XXXXXX     Credit Income / Employment Income Documentation Income / Employment Verification(s) of employment is not within 10 business days of the Note. - Verification(s) of employment is not within 10 business days of the Note.       Reviewer Comment (2026-03-03): Received Verification of Employment dated within 10 days prior to Note date. Exception cleared.


Buyer Comment (2026-03-03): Comment from XXXX (XXXX): Note date is XXXX the VVOE on page 105 of the loan file is dated XXXX  this is within 10 business days. Please waive
 03/03/2026     1 C A C A C A C A C A   AZ Investment Refinance - Cash-out - Other   C A C A A A A A   Exempt from ATR No
XXXXXX 4000114873 XXXXXX   XXXXXX     Credit Title Document Error Title The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided.   The Preliminary Title policy does not list coverage amount.       Reviewer Comment (2026-02-13): Accepted as is.
     02/13/2026 2 B B B B B B B B B B   CA Investment Refinance - Cash-out - Other   C B C B A A A A   Exempt from ATR No
XXXXXX 4000114873 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___ XXXX AVM in file. CU or LCA not provided.       Reviewer Comment (2026-02-13): Accepted as is based on meeting three RAs requirements.
       1 N/A N/A A A N/A N/A     N/A N/A   CA Investment Refinance - Cash-out - Other   C B C B A A A A   Exempt from ATR No
XXXXXX 4000114873 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___ XXXX AVM dated XXXX. The Application date is XXXX. The Note Date is XXXX.       Reviewer Comment (2026-02-13): Accepted as is.
     02/13/2026 2 A A A A A A     B B   CA Investment Refinance - Cash-out - Other   C B C B A A A A   Exempt from ATR No
XXXXXX 4000114873 XXXXXX   XXXXXX     Credit Income / Employment Income Documentation Missing Document  REO Documents are missing. - ___ Tax Certificate is missing.       Reviewer Comment (2026-02-20): Property is mobile home and ground rent, and HOA is considered for DTI. Exception cleared.


Seller Comment (2026-02-20): Comment from XXXX (XXXX): XXXX: The REO is located in XXXX XXXX 'XXXX XXXX XXXX'. The borrowers primary residence is a Mobile Home, which is not on a specific parcel of land. I've attached a printout from the mobile home website showing the ground rent is similar to what XXXX's bill shows and the certificate of title of the REO. This is not 'real property' the county can assess since it is personal property, which is why the borrower pays ground rent for the mobile home to sit on.


Reviewer Comment (2026-02-18): The document provided is the HOA dues.  Provide the tax verification.


Seller Comment (2026-02-18): Comment from XXXX (XXXX): XXXX: Please see the attached documentation verifying the borrower is paying ground rent since this is a manufactured home. This is the reason XXXX used $XXXX in 'Lease Ground Rents' on the Final 1003.
 02/20/2026     1 C A C A C A C A C A   CA Investment Refinance - Cash-out - Other   C B C B A A A A   Exempt from ATR No
XXXXXX 4000112691 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___ XXXX AVM is dated XXXX. The Application date is XXXX. The Note date is XXXX.       Reviewer Comment (2026-02-12): Accepted as is.
     02/12/2026 2 A A A A A A     B B   NY Investment Refinance - Cash-out - Other   D B A A A A D B   Exempt from ATR No
XXXXXX 4000112691 XXXXXX   XXXXXX     Property Appraisal Reconciliation Value Discrepancy Appraisal Reconciliation Loan is to be securitized. Two valuations were provided, one of which does not support value. No CU or LCA provided. Sec ID: 142   2055 valuation value is $XXXX and XXXX AVM value is $XXXX.  No UCDPs were provided.       Reviewer Comment (2026-03-10): CDA received


Seller Comment (2026-03-10): Comment from XXXX (XXXX): Please see attached


Reviewer Comment (2026-03-03): CDA would be the next step.


Buyer Comment (2026-03-03): Comment from XXXX (XXXX): Would a CDA be accepted?
 03/10/2026     1 C A A A C A   A D A   NY Investment Refinance - Cash-out - Other   D B A A A A D B   Exempt from ATR No
XXXXXX 4000112691 XXXXXX   XXXXXX     Property Appraisal Reconciliation Value Discrepancy Appraisal Reconciliation Loan is to be securitized. Multiple valuations were provided. One or more secondary valuations support value.  One non-supporting secondary valuation with an effective date within 12 months of note date was provided. No CU or LCA providing relief are in evidence. Sec ID: 147 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-03-10): Client elects to waive
     03/10/2026 2   A   A   A       B   NY Investment Refinance - Cash-out - Other   D B A A A A D B   Exempt from ATR No
XXXXXX 4000112235 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___ Loan is to be securitized. One valuation was provided, with no CU or LCA.       Reviewer Comment (2026-02-13): Accepted as is based on meeting two RAs requirements
       1 N/A N/A A A N/A N/A     N/A N/A   CT Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000112235 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___ Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date.       Reviewer Comment (2026-02-13): Accepted as is.
     02/13/2026 2 A A A A A A     B B   CT Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000112034 XXXXXX   XXXXXX     Credit Insurance Insurance Analysis Insurance Hazard Insurance Policy expires within 90 days of the Note Date. Hazard Insurance Policy Expiration Date ___, Note Date ___ Hazard Insurance Policy expires within 90 days of the Note Date.       Reviewer Comment (2026-02-13): .


Reviewer Comment (2026-02-13): Accepted as is.
     02/13/2026 2 B B B B B B B B B B   OR Primary Refinance - Cash-out - Other   B B B B A A A A   Exempt from ATR No
XXXXXX 4000112034 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-02-13): Accepted as is based on meeting three RAs requirements.
       1 N/A N/A A A N/A N/A     N/A N/A   OR Primary Refinance - Cash-out - Other   B B B B A A A A   Exempt from ATR No
XXXXXX 4000112034 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-02-13): Accepted as is.
     02/13/2026 2 A A A A A A     B B   OR Primary Refinance - Cash-out - Other   B B B B A A A A   Exempt from ATR No
XXXXXX 4000110415 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___ Loan is to be securitized. One valuation was provided, with no CU or LCA.       Reviewer Comment (2026-02-13): Accepted as is based on meeting two RAs requirements
       1 N/A N/A A A N/A N/A     N/A N/A   MD Investment Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000114699 XXXXXX   XXXXXX     Credit Title Document Error Title The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided.   The Preliminary title policy is within XXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided.       Reviewer Comment (2026-02-13): Accepted as is.
     02/13/2026 2 B B B B B B B B B B   CA Primary Refinance - Cash-out - Other   B B B B A A B B   Exempt from ATR No
XXXXXX 4000114699 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___ Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date.       Reviewer Comment (2026-02-13): Accepted as is.
     02/13/2026 2 A A A A A A     B B   CA Primary Refinance - Cash-out - Other   B B B B A A B B   Exempt from ATR No
XXXXXX 4000111426 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-02-13): Accepted as is based on meeting three RAs requirements.
       1 N/A N/A A A N/A N/A     N/A N/A   VA Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000111426 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-02-13): Accepted as is.
     02/13/2026 2 A A A A A A     B B   VA Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000113226 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-02-13): Accepted as is.
     02/13/2026 2 A A A A A A     B B   WA Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000113226 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-02-13): Accepted as is based on meeting three RAs requirements
       1 N/A N/A A A N/A N/A     N/A N/A   WA Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000115367 XXXXXX   XXXXXX     Credit Loan Package Documentation Application / Processing Insurance Missing Document: Flood Certificate not provided   Flood Certificate is missing.       Reviewer Comment (2026-02-18): Received Flood Certificate. Exception cleared.


Seller Comment (2026-02-18): Comment from XXXX (XXXX):XXXX: Please see attached.
 02/18/2026     1 C A C A C A C A C A   CA Primary Refinance - Cash-out - Other   C A C A A A A A   Exempt from ATR No
XXXXXX 4000115367 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-02-13): Accepted as is based on meeting two RAs requirements
       1 N/A N/A A A N/A N/A     N/A N/A   CA Primary Refinance - Cash-out - Other   C A C A A A A A   Exempt from ATR No
XXXXXX 4000115367 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-02-13): Accepted as is.
     02/13/2026 2 A A A A A A     B B   CA Primary Refinance - Cash-out - Other   C A C A A A A A   Exempt from ATR No
XXXXXX 4000111729 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-02-13): Accepted as is based on meeting three RAs requirements.
       1 N/A N/A A A N/A N/A     N/A N/A   NJ Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000114459 XXXXXX   XXXXXX     Compliance Compliance Federal Compliance ECOA ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation.       Reviewer Comment (2026-02-13): Accepted as is.
     02/13/2026 2 B B B B B B B B B B   NV Primary Refinance - Cash-out - Other   D D A A B B D D   Exempt from ATR No
XXXXXX 4000114459 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 180 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-02-13): Accepted as is based on meeting three RAs requirements.
       3 N/A N/A A A N/A N/A     D D   NV Primary Refinance - Cash-out - Other   D D A A B B D D   Exempt from ATR No
XXXXXX 4000114459 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 372 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-02-13): Accepted as is.
     02/13/2026 2 B B A A A A     A A   NV Primary Refinance - Cash-out - Other   D D A A B B D D   Exempt from ATR No
XXXXXX 4000114392 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-02-13): Accepted as is based on meeting three RAs requirements.
       1 N/A N/A A A N/A N/A     N/A N/A   NH Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000114392 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-02-13): Accepted as is.
     02/13/2026 2 A A A A A A     B B   NH Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000107634 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-02-13): Accepted as is based on meeting two RAs requirements
       1 N/A N/A A A N/A N/A     N/A N/A   MA Primary Refinance - Cash-out - Other   C A C A A A A A   Exempt from ATR No
XXXXXX 4000107634 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-02-13): Client elects to waive
     02/13/2026 2 A A A A A A     B B   MA Primary Refinance - Cash-out - Other   C A C A A A A A   Exempt from ATR No
XXXXXX 4000107634 XXXXXX   XXXXXX     Credit Credit Credit Documentation Credit No evidence of fraud report in file -         Reviewer Comment (2026-02-16): Fraud report provided. Cleared.


Seller Comment (2026-02-16): Comment from XXXX (XXXX): Please see attached.


Reviewer Comment (2026-02-14): Looking for the fraud report.


Seller Comment (2026-02-13): Comment from XXXX (XXXX): Please see attached.
 02/16/2026     1 C A C A C A C A C A   MA Primary Refinance - Cash-out - Other   C A C A A A A A   Exempt from ATR No
XXXXXX 4000111079 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-02-16): Accepted as is based on meeting two RAs requirements
       1 N/A N/A A A N/A N/A     N/A N/A   IN Primary Refinance - Cash-out - Other   B B A A B B A A   Exempt from ATR No
XXXXXX 4000111079 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-02-16): Client elects to waive
     02/16/2026 2 A A A A A A     B B   IN Primary Refinance - Cash-out - Other   B B A A B B A A   Exempt from ATR No
XXXXXX 4000111079 XXXXXX   XXXXXX     Compliance Loan Package Documentation Application / Processing Missing, Incorrect, or Incomplete Final or Initial 1003 Missing Document: Missing Lender's Initial 1003   Missing Lender Initial 1003       Reviewer Comment (2026-02-16): Client elects to waive
     02/16/2026 2 B B B B B B B B B B   IN Primary Refinance - Cash-out - Other   B B A A B B A A   Exempt from ATR No
XXXXXX 4000114033 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___ AVM is accepted as per guidelines       Reviewer Comment (2026-02-13): Accepted as is based on meeting two RAs requirements
       1 N/A N/A A A N/A N/A     N/A N/A   AZ Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000114033 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___ AVM is accepted as per guidelines       Reviewer Comment (2026-02-13): Accepted as is.
     02/13/2026 2 A A A A A A     B B   AZ Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000112767 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___ Loan is to be securitized. One valuation was provided, with no CU or LCA.       Reviewer Comment (2026-02-16): Accepted as is based on meeting three RAs requirements
       1 N/A N/A A A N/A N/A     N/A N/A   WA Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000112767 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___ Secondary valuation is not required for second lien files as per HELOC program.       Reviewer Comment (2026-02-16): Client elects to waive
     02/16/2026 2 A A A A A A     B B   WA Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000114700 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___ XXXX AVM in file. CU or LCA not provided.       Reviewer Comment (2026-02-13): Accepted as is based on meeting three RAs requirements.
       1 N/A N/A A A N/A N/A     N/A N/A   AZ Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000114700 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___ XXXX AVM in file dated XXXX. The Note date is XXXX. The Application date is XXXX.       Reviewer Comment (2026-02-13): Accepted as is.
     02/13/2026 2 A A A A A A     B B   AZ Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000114277 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-02-13): Accepted as is based on meeting two RAs requirements
       1 N/A N/A A A N/A N/A     N/A N/A   KS Primary Refinance - Cash-out - Other   C A C A A A A A   Exempt from ATR No
XXXXXX 4000114277 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-02-13): Accepted as is.
     02/13/2026 2 A A A A A A     B B   KS Primary Refinance - Cash-out - Other   C A C A A A A A   Exempt from ATR No
XXXXXX 4000114277 XXXXXX   XXXXXX     Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Guideline Requirement: Investor qualifying total debt ratio discrepancy.   Calculated investor qualifying total debt ratio of XXXX% exceeds Guideline total debt ratio of XXXX%.       Reviewer Comment (2026-02-25): Received, Clearing.


Buyer Comment (2026-02-25): Comment from XXXX (XXXX): XXXX: "Insurance Workaround" should be excluded from the credit debt as this is just the insurance for the subject property and not an actual credit debt.  XXX is already hitting for the insurance in the subject PITI


Reviewer Comment (2026-02-18): P&I only considered for first lien balance. Exception remains.


Buyer Comment (2026-02-18): Comment from XXXX (XXXX): XXXX: XXX is double counting the insurance as both a credit debt and as part of the PITI
 02/25/2026     1 C A C A C A C A C A   KS Primary Refinance - Cash-out - Other   C A C A A A A A   Exempt from ATR No
XXXXXX 4000114697 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-02-13): Accepted as is.
     02/13/2026 2 A A A A A A     B B   AZ Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000114697 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___ XXXX AVM in file. CU or LCA not provided.       Reviewer Comment (2026-02-13): Accepted as is based on meeting two RAs requirements
       1 N/A N/A A A N/A N/A     N/A N/A   AZ Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000111510 XXXXXX   XXXXXX     Compliance Compliance Federal Compliance TILA TILA HELOC - Credit Agreement Not Provided Timely Truth in Lending Act (HELOC): Credit Agreement not provided to borrower at time of account opening.         Reviewer Comment (2026-02-17): Received, Clearing.


Buyer Comment (2026-02-17): Comment from XXXX (XXXX): XXXX HELOC Agreement was provided prior to disbursement (i.e. when the first transaction was made under the plan) as per TILA 1026.5(b)(1)(i)
 02/17/2026     1 C A C A C A C A C A   CA Primary Refinance - Cash-out - Other   C B B B C A A A   Exempt from ATR No
XXXXXX 4000111510 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-02-16): Accepted as is based on meeting three RAs requirements.
       1 N/A N/A A A N/A N/A     N/A N/A   CA Primary Refinance - Cash-out - Other   C B B B C A A A   Exempt from ATR No
XXXXXX 4000111510 XXXXXX   XXXXXX     Credit Insurance Insurance Analysis Insurance Hazard Insurance Policy expires within 90 days of the Note Date. Hazard Insurance Policy Expiration Date ___, Note Date ___ Hazard Insurance Policy expires within 90 days of the Note Date.       Reviewer Comment (2026-02-16): Client elects to waive
     02/16/2026 2 B B B B B B B B B B   CA Primary Refinance - Cash-out - Other   C B B B C A A A   Exempt from ATR No
XXXXXX 4000111510 XXXXXX   XXXXXX     Credit Title Document Error Title The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided.           Reviewer Comment (2026-02-16): Client elects to waive
     02/16/2026 2 B B B B B B B B B B   CA Primary Refinance - Cash-out - Other   C B B B C A A A   Exempt from ATR No
XXXXXX 4000114430 XXXXXX   XXXXXX     Credit Title Document Error Title The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided.   The Preliminary title policy is within XXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided.       Reviewer Comment (2026-02-16): Client elects to waive
     02/16/2026 2 B B B B B B B B B B   CA Primary Refinance - Cash-out - Other   B B B B A A A A   Exempt from ATR No
XXXXXX 4000115069 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___ CU and/or LCA Risk Score is <= XXXX however secondary appraisal available in file hence updated.       Reviewer Comment (2026-02-16): Accepted as is based on meeting three RAs requirements
       1 N/A N/A A A N/A N/A     N/A N/A   CA Investment Refinance - Cash-out - Other   C B C B A A A A   Exempt from ATR No
XXXXXX 4000115069 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___ Secondary valuation is not required for HELOC file.       Reviewer Comment (2026-02-16): Client elects to waive
     02/16/2026 2 A A A A A A     B B   CA Investment Refinance - Cash-out - Other   C B C B A A A A   Exempt from ATR No
XXXXXX 4000115069 XXXXXX   XXXXXX     Credit Title Document Error Title The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided.   The preliminary title policy is within XXXX and does not reflect a coverage amount (no final title policy in file).       Reviewer Comment (2026-02-16): Client elects to waive
     02/16/2026 2 B B B B B B B B B B   CA Investment Refinance - Cash-out - Other   C B C B A A A A   Exempt from ATR No
XXXXXX 4000115069 XXXXXX   XXXXXX     Credit Loan Package Documentation Application / Processing Loan Package Documentation Missing Document: Business Purpose Certificate not provided   Business Purpose Certificate is missing.       Reviewer Comment (2026-02-18): Received Business Purpose Certificate. Exception cleared.


Seller Comment (2026-02-18): Comment from XXXX (XXXX): TF XXXX Please see attached Business Purpose Certificate
 02/18/2026     1 C A C A C A C A C A   CA Investment Refinance - Cash-out - Other   C B C B A A A A   Exempt from ATR No
XXXXXX 4000112188 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-02-16): Accepted as is based on meeting three RAs requirements
       1 N/A N/A A A N/A N/A     N/A N/A   CO Primary Refinance - Cash-out - Other   C A C A A A A A   Exempt from ATR No
XXXXXX 4000112188 XXXXXX   XXXXXX     Credit Credit Miscellaneous Guideline Credit Exception:   The Security Instrument notary date is XXXX.  The note date is XXXX and the disbursement date is XXXX.       Reviewer Comment (2026-02-18): Received, Clearing.


Seller Comment (2026-02-18): Comment from XXXX (XXXX): XXXX AMB: Please see the attached true and certified copy of the Security Instrument reflecting the correct Notary date.
 02/18/2026     1 C A C A C A C A C A   CO Primary Refinance - Cash-out - Other   C A C A A A A A   Exempt from ATR No
XXXXXX 4000115514 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-02-16): Client elects to waive
     02/16/2026 2 A A A A A A     B B   CO Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000115514 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-02-16): Accepted as is based on meeting two RAs requirements
       1 N/A N/A A A N/A N/A     N/A N/A   CO Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000112844 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-02-13): Accepted as is based on meeting two RAs requirements
       1 N/A N/A A A N/A N/A     N/A N/A   WA Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000110979 XXXXXX   XXXXXX     Credit Title Document Error Title The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided.   The preliminary title policy is within XXXX and does not reflect a coverage amount (no final title policy in file).       Reviewer Comment (2026-02-16): Client elects to waive
     02/16/2026 2 B B B B B B B B B B   CA Primary Refinance - Cash-out - Other   B B B B A A A A   Exempt from ATR No
XXXXXX 4000110979 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___ Loan is to be securitized. One valuation was provided, with no CU or LCA.       Reviewer Comment (2026-02-16): Accepted as is based on meeting three RAs requirements
       1 N/A N/A A A N/A N/A     N/A N/A   CA Primary Refinance - Cash-out - Other   B B B B A A A A   Exempt from ATR No
XXXXXX 4000110979 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___ Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date.       Reviewer Comment (2026-02-16): Client elects to waive
     02/16/2026 2 A A A A A A     B B   CA Primary Refinance - Cash-out - Other   B B B B A A A A   Exempt from ATR No
XXXXXX 4000115369 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-02-16): Accepted as is based on meeting three RAs requirements.
       1 N/A N/A A A N/A N/A     N/A N/A   CA Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000115369 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-02-16): Client elects to waive
     02/16/2026 2 A A A A A A     B B   CA Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000109311 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-02-16): Client elects to waive
     02/16/2026 2 A A A A A A     B B   AZ Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000109311 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-02-16): Accepted as is based on meeting three RAs requirements
       1 N/A N/A A A N/A N/A     N/A N/A   AZ Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000113857 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-02-16): Accepted as is based on meeting two RAs requirements
       1 N/A N/A A A N/A N/A     N/A N/A   MN Investment Refinance - Cash-out - Other   D A D A A A A A   Exempt from ATR No
XXXXXX 4000113857 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-02-16): Client elects to waive
     02/16/2026 2 A A A A A A     B B   MN Investment Refinance - Cash-out - Other   D A D A A A A A   Exempt from ATR No
XXXXXX 4000113857 XXXXXX   XXXXXX     Credit Loan Package Documentation Application / Processing Loan Package Documentation Missing Document: Note - Senior Lien not provided   Missing the 1st lien mortgage note or statement       Reviewer Comment (2026-03-03): Received senior lien mortgage statement. Exception cleared.


Buyer Comment (2026-03-03): Comment from XXXX (XXXX): This is on page 494 of the loan file. Please waive
 03/03/2026     1 D A D A D A D A D A   MN Investment Refinance - Cash-out - Other   D A D A A A A A   Exempt from ATR No
XXXXXX 4000112940 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___ Loan is to be securitized. One valuation was provided, with no CU or LCA.       Reviewer Comment (2026-02-16): Accepted as is based on meeting three RAs requirements.
       1 N/A N/A A A N/A N/A     N/A N/A   VA Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000112940 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___ Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date.       Reviewer Comment (2026-02-16): Client elects to waive
     02/16/2026 2 A A A A A A     B B   VA Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000113850 XXXXXX   XXXXXX     Compliance Compliance Federal Compliance ECOA ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation.       Reviewer Comment (2026-02-16): Client elects to waive
     02/16/2026 2 B B B B B B B B B B   WA Primary Refinance - Cash-out - Other   D D A A B B D D   Exempt from ATR No
XXXXXX 4000113850 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 180 Note Date:  ___; Lien Position: ___ Loan is to be securitized. One valuation was provided, with no CU or LCA       Reviewer Comment (2026-02-16): Accepted as is based on meeting two RAs requirements
       3 N/A N/A A A N/A N/A     D D   WA Primary Refinance - Cash-out - Other   D D A A B B D D   Exempt from ATR No
XXXXXX 4000113850 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 372 Note Date:  ___; Lien Position: ___ Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date.       Reviewer Comment (2026-02-16): Client elects to waive
     02/16/2026 2 B B A A A A     A A   WA Primary Refinance - Cash-out - Other   D D A A B B D D   Exempt from ATR No
XXXXXX 4000111702 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-02-16): Accepted as is based on meeting three RAs requirements
       1 N/A N/A A A N/A N/A     N/A N/A   CA Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000111702 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-02-16): Client elects to waive
     02/16/2026 2 A A A A A A     B B   CA Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000116500 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-02-16): Accepted as is based on meeting three RAs requirements.
       1 N/A N/A A A N/A N/A     N/A N/A   MI Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000116500 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-02-16): Client elects to waive
     02/16/2026 2 A A A A A A     B B   MI Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000111417 XXXXXX   XXXXXX     Credit Loan Package Documentation Closing / Title Missing Document  Missing Document: Security Instrument - Subject Lien not provided           Reviewer Comment (2026-02-18): Received Security Instrument - Subject Lien. Exception cleared.


Seller Comment (2026-02-18): Comment from XXXX (XXXX): DoT rider
 02/18/2026     1 D A D A D A D A D A   NY Investment Refinance - Cash-out - Other   D A D A A A A A   Exempt from ATR No
XXXXXX 4000112683 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-02-17): Accepted as is based on meeting three RAs requirements.
       1 N/A N/A A A N/A N/A     N/A N/A   AZ Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000112683 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-02-17): Accepted as is.
     02/17/2026 2 A A A A A A     B B   AZ Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000113443 XXXXXX   XXXXXX     Property Appraisal Reconciliation Appraisal Documentation Appraisal Reconciliation Appraisal from prior transaction provided. No secondary valuation with effective date less than 3 months past note date provided. Sec ID: 156 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-02-16): Accepted as is based on meeting two RAs requirements
       1 N/A N/A A A N/A N/A     N/A N/A   NY Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000112847 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-02-17): Accepted as is based on meeting two RAs requirements
       1 N/A N/A A A N/A N/A     N/A N/A   KY Investment Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000115618 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-02-17): Accepted as is.
     02/17/2026 2 A A A A A A     B B   CO Investment Refinance - Cash-out - Other   B B A A A A B B   Exempt from ATR No
XXXXXX 4000115068 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___ XXXX AVM by XXXX in file. CU or LCA not provided.       Reviewer Comment (2026-02-16): Client elects to waive
     02/16/2026 2 A A A A A A     B B   CA Primary Refinance - Cash-out - Other   B B B B A A A A   Exempt from ATR No
XXXXXX 4000115068 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___ XXXX AVM by XXXX in file. CU or LCA not provided.       Reviewer Comment (2026-02-16): Accepted as is based on meeting three RAs requirements.
       1 N/A N/A A A N/A N/A     N/A N/A   CA Primary Refinance - Cash-out - Other   B B B B A A A A   Exempt from ATR No
XXXXXX 4000115068 XXXXXX   XXXXXX     Credit Title Document Error Title The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided.   Preliminary Title Report does not list Title policy coverage amount.       Reviewer Comment (2026-02-16): Client elects to waive
     02/16/2026 2 B B B B B B B B B B   CA Primary Refinance - Cash-out - Other   B B B B A A A A   Exempt from ATR No
XXXXXX 4000111435 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___ Loan is to be securitized. One valuation was provided, with no CU or LCA.       Reviewer Comment (2026-02-17): Accepted as is based on meeting three RAs requirements
       1 N/A N/A A A N/A N/A     N/A N/A   ND Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000111435 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___ Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date.       Reviewer Comment (2026-02-17): Accepted as is.
     02/17/2026 2 A A A A A A     B B   ND Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000113446 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___ Loan is to be securitized. One valuation was provided, with no CU or LCA.       Reviewer Comment (2026-02-17): Accepted as is based on meeting three RAs requirements
       1 N/A N/A A A N/A N/A     N/A N/A   AZ Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000113446 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___ Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date.       Reviewer Comment (2026-02-17): Accepted as is.
     02/17/2026 2 A A A A A A     B B   AZ Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000112242 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-02-17): Accepted as is based on meeting three RAs requirements
       1 N/A N/A A A N/A N/A     N/A N/A   CA Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000112963 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___ Secondary valuation not required in Heloc Second lien file .       Reviewer Comment (2026-02-17): Accepted as is.
     02/17/2026 2 A A A A A A     B B   OH Primary Refinance - Cash-out - Other   C B C A B B A A   Exempt from ATR No
XXXXXX 4000112963 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___ Secondary valuation not required in Heloc Second lien file .       Reviewer Comment (2026-02-17): Accepted as is based on meeting three RAs requirements
       1 N/A N/A A A N/A N/A     N/A N/A   OH Primary Refinance - Cash-out - Other   C B C A B B A A   Exempt from ATR No
XXXXXX 4000112963 XXXXXX   XXXXXX     Credit Credit Miscellaneous Guideline Credit Exception:   Need the first page of the Title Search Property Report       Reviewer Comment (2026-03-04): Received, Clearing.


Seller Comment (2026-03-03): Comment from XXXX (XXXX): Please see attached
 03/04/2026     1 C A C A C A C A C A   OH Primary Refinance - Cash-out - Other   C B C A B B A A   Exempt from ATR No
XXXXXX 4000112963 XXXXXX   XXXXXX     Compliance Compliance State Compliance Misc. State Level Ohio Consumer Sales Practices Act Acknowledgement of Receipt of Home Mortgage Loan Information Document Not Signed) Ohio Consumer Sales Practices Act: Acknowledgement of Receipt of Home Mortgage Loan Information Document not signed by borrower(s).         Reviewer Comment (2026-02-17): Accepted as is.
     02/17/2026 2 B B B B B B B B B B   OH Primary Refinance - Cash-out - Other   C B C A B B A A   Exempt from ATR No
XXXXXX 4000113529 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 180 Note Date:  ___; Lien Position: ___ Loan is to be securitized. One valuation was provided, with no CU or LCA.       Reviewer Comment (2026-02-17): Accepted as is based on meeting three RAs requirements
       3 N/A N/A A A N/A N/A     D D   NC Investment Refinance - Cash-out - Other   D D A A B B D D   Exempt from ATR No
XXXXXX 4000113529 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 372 Note Date:  ___; Lien Position: ___ Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date.       Reviewer Comment (2026-02-17): Accepted as is.
     02/17/2026 2 B B A A A A     A A   NC Investment Refinance - Cash-out - Other   D D A A B B D D   Exempt from ATR No
XXXXXX 4000113529 XXXXXX   XXXXXX     Compliance Compliance Federal Compliance ECOA ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation.       Reviewer Comment (2026-02-17): Accepted as is.
     02/17/2026 2 B B B B B B B B B B   NC Investment Refinance - Cash-out - Other   D D A A B B D D   Exempt from ATR No
XXXXXX 4000111268 XXXXXX   XXXXXX     Property Appraisal Reconciliation Value Discrepancy Appraisal Reconciliation Loan is to be securitized. Two valuations were provided, one of which does not support value. No CU or LCA provided. Sec ID: 142           Reviewer Comment (2026-03-13): CDA received and supports primary appraisal


Seller Comment (2026-03-13): Comment from XXXX (XXXX): Please see attached
 03/13/2026     1 C A A A C A   A D A   GA Primary Refinance - Cash-out - Other   D B A A A A D B   Exempt from ATR No
XXXXXX 4000111268 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-02-17): Accepted as is.
     02/17/2026 2 A A A A A A     B B   GA Primary Refinance - Cash-out - Other   D B A A A A D B   Exempt from ATR No
XXXXXX 4000111268 XXXXXX   XXXXXX     Property Appraisal Reconciliation Value Discrepancy Appraisal Reconciliation Loan is to be securitized. Multiple valuations were provided. One or more secondary valuations support value.  One non-supporting secondary valuation with an effective date within 12 months of note date was provided. No CU or LCA providing relief are in evidence. Sec ID: 147 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-03-13): Client elects to waive
     03/13/2026 2   A   A   A       B   GA Primary Refinance - Cash-out - Other   D B A A A A D B   Exempt from ATR No
XXXXXX 4000113273 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___ Loan is to be securitized. One valuation was provided, with no CU or LCA.       Reviewer Comment (2026-02-17): Accepted as is based on meeting two RAs requirements
       1 N/A N/A A A N/A N/A     N/A N/A   CO Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000113273 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___ Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date.       Reviewer Comment (2026-02-17): Accepted as is.
     02/17/2026 2 A A A A A A     B B   CO Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000110885 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-02-18): Accepted as is based on meeting more than three RAs requirements
       1 N/A N/A A A N/A N/A     N/A N/A   FL Primary Refinance - Cash-out - Other   C A C A A A A A   Exempt from ATR No
XXXXXX 4000110885 XXXXXX   XXXXXX     Credit Income / Employment Income Documentation Income / Employment Income Docs Missing: - XXXX and XXXX K1 is missing for European XXXX       Reviewer Comment (2026-02-27): Received, Clearing.


Buyer Comment (2026-02-27): Comment from XXXX (XXXX): XXXX: Fannie Mae b3-3.5-01 states "Analysis of Borrower's Personal Income
The lender must prepare a written evaluation of its analysis of a self-employed borrower's personal income, including the business income or loss, reported on the borrower's individual income tax returns. "The guideline reads that income or loss reporting on individual tax returns is acceptable.


Reviewer Comment (2026-02-25): Exception remains, K-1's required


Buyer Comment (2026-02-25): Comment from XXXX (XXXX): XXXX: Please note that XXXX is most conservative by using XXXX% of the loss reporting on schedule E. Regardless of ownership percentage, XXXX calculates it at XXXX% of the loss. The K-1's and buss returns would only allow us to increase the income by adding back positive addbacks.


Reviewer Comment (2026-02-23): K-1's for 2024 and 2023 are required to verify ownership and accurately calculate the income/loss


Seller Comment (2026-02-23): Comment from XXXX (XXXX): XXXX: Please note that XXXX is not using positive income for the business XXXX. Schedule E was used to calculate a conservative loss for the company. The business tax returns and K-1's would only allow us to utilize addbacks, but since we are being conservative and not using the income to qualify, the K-1's would not be required.
 02/27/2026     1 C A C A C A C A C A   FL Primary Refinance - Cash-out - Other   C A C A A A A A   Exempt from ATR No
XXXXXX 4000112032 XXXXXX   XXXXXX     Credit Title Document Error Title The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided.   The preliminary title report in file did not disclose the amount of title insurance coverage. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount.       Reviewer Comment (2026-02-18): Accepted as is.
     02/18/2026 2 B B B B B B B B B B   CA Primary Refinance - Cash-out - Other   B B B B A A A A   Exempt from ATR No
XXXXXX 4000112032 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___ Loan is to be securitized. One valuation was provided, with no CU or LCA.       Reviewer Comment (2026-02-18): Accepted as is based on meeting three RAs requirements
       1 N/A N/A A A N/A N/A     N/A N/A   CA Primary Refinance - Cash-out - Other   B B B B A A A A   Exempt from ATR No
XXXXXX 4000112032 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___ Loan is to be securitized. One valuation was provided with an effective date between application date and note date.       Reviewer Comment (2026-02-18): Accepted as is.
     02/18/2026 2 A A A A A A     B B   CA Primary Refinance - Cash-out - Other   B B B B A A A A   Exempt from ATR No
XXXXXX 4000113711 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-02-18): Accepted as is based on meeting two RAs requirements
       1 N/A N/A A A N/A N/A     N/A N/A   CA Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000113711 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-02-18): Accepted as is.
     02/18/2026 2 A A A A A A     B B   CA Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000111511 XXXXXX   XXXXXX     Credit Income / Employment Income Documentation Missing Document  REO Documents are missing. - ___ Insurance Verification, Statement & Tax Verification is Missing.       Reviewer Comment (2026-02-23): Received final CD


Seller Comment (2026-02-23): Comment from XXXX (XXXX): XXXX: Please see attached closing disclosure.
 02/23/2026     1 C A C A C A C A C A   CA Investment Refinance - Cash-out - Other   C B C B A A A A   Exempt from ATR No
XXXXXX 4000111511 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-02-18): Accepted as is.
     02/18/2026 2 A A A A A A     B B   CA Investment Refinance - Cash-out - Other   C B C B A A A A   Exempt from ATR No
XXXXXX 4000111511 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-02-18): Accepted as is based on meeting three RAs requirements.
       1 N/A N/A A A N/A N/A     N/A N/A   CA Investment Refinance - Cash-out - Other   C B C B A A A A   Exempt from ATR No
XXXXXX 4000111511 XXXXXX   XXXXXX     Credit Title Document Error Title The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided.           Reviewer Comment (2026-02-18): Accepted as is.
     02/18/2026 2 B B B B B B B B B B   CA Investment Refinance - Cash-out - Other   C B C B A A A A   Exempt from ATR No
XXXXXX 4000112273 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-02-18): Accepted as is.
     02/18/2026 2 A A A A A A     B B   LA Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000112273 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-02-18): Accepted as is based on meeting two RAs requirements
       1 N/A N/A A A N/A N/A     N/A N/A   LA Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000109228 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-02-18): Accepted as is based on meeting three RAs requirements.
       1 N/A N/A A A N/A N/A     N/A N/A   CA Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000109228 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-02-18): Accepted as is.
     02/18/2026 2 A A A A A A     B B   CA Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000114092 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___ Secondary valuation not required in Heloc Second lien file .       Reviewer Comment (2026-02-18): Accepted as is.
     02/18/2026 2 A A A A A A     B B   GA Investment Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000114092 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___ Secondary valuation not required in Heloc Second lien file .       Reviewer Comment (2026-02-18): Accepted as is based on meeting three RAs requirements
       1 N/A N/A A A N/A N/A     N/A N/A   GA Investment Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000113865 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-02-18): Accepted as is.
     02/18/2026 2 A A A A A A     B B   MN Primary Refinance - Cash-out - Other   B B A A B B A A   Exempt from ATR No
XXXXXX 4000113865 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___ Loan is to be securitized. AVM was provided, with no CU or LCA.       Reviewer Comment (2026-06-01): Accepted as is.


Reviewer Comment (2026-06-01): .


Reviewer Comment (2026-02-18): Loan summary pages acceptable per client
     06/01/2026 1 N/A N/A A A N/A N/A     N/A N/A   MN Primary Refinance - Cash-out - Other   B B A A B B A A   Exempt from ATR No
XXXXXX 4000113865 XXXXXX   XXXXXX     Compliance Loan Package Documentation Application / Processing Missing, Incorrect, or Incomplete Final or Initial 1003 Missing Document: Missing Lender's Initial 1003   1003 Initial - Lender's is missing.       Reviewer Comment (2026-02-18): Accepted as is.
     02/18/2026 2 B B B B B B B B B B   MN Primary Refinance - Cash-out - Other   B B A A B B A A   Exempt from ATR No
XXXXXX 4000113865 XXXXXX   XXXXXX     Compliance Compliance Federal Compliance Missing Application Date Missing Initial Loan Application Testing No evidence of application date located in file.  Compliance tests were run using an application date of XXXX which is XXXX months prior to consummation.  A lookback was performed to determine this application date using the following dates: XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX.  Lookback testing performed up to one of the following: TRID start date, TIL/MDIA XXXX start date, RESPA XXXX start date,  TIL/MDIA XXXX start date, LOS Application Date, Broker Application Date, or XXXX months prior to consummation. No evidence of application date located in file. Initial 1003 was not in file.       Reviewer Comment (2026-02-18): Accepted as is.
     02/18/2026 2 B B B B B B B B B B   MN Primary Refinance - Cash-out - Other   B B A A B B A A   Exempt from ATR No
XXXXXX 4000113865 XXXXXX   XXXXXX     Compliance Compliance Federal Compliance RESPA RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. No evidence of application date located in file. Initial 1003 was not in file.       Reviewer Comment (2026-02-18): Accepted as is.
     02/18/2026 2 B B B B B B B B B B   MN Primary Refinance - Cash-out - Other   B B A A B B A A   Exempt from ATR No
XXXXXX 4000113865 XXXXXX   XXXXXX     Compliance Compliance Federal Compliance RESPA RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. No evidence of application date located in file. Initial 1003 was not in file.       Reviewer Comment (2026-02-18): Accepted as is.
     02/18/2026 2 B B B B B B B B B B   MN Primary Refinance - Cash-out - Other   B B A A B B A A   Exempt from ATR No
XXXXXX 4000113865 XXXXXX   XXXXXX     Compliance Compliance Federal Compliance RESPA RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application RESPA Disclosure Rule (Dodd-Frank 2014): List of Homeownership Counseling Organizations not provided to applicant within three (3) business days of application. RESPA Disclosure Rule (Dodd-Frank 2014): List of Homeownership Counseling Organizations not provided to applicant within three (3) business days of application.       Reviewer Comment (2026-02-19): Accepted as is.
     02/19/2026 2   B   B   B   B   B   MN Primary Refinance - Cash-out - Other   B B A A B B A A   Exempt from ATR No
XXXXXX 4000113716 XXXXXX   XXXXXX     Compliance Compliance Federal Compliance RESPA RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.         Reviewer Comment (2026-02-18): Accepted as is.
     02/18/2026 2 B B B B B B B B B B   NY Second Home Refinance - Cash-out - Other   B B A A B B A A   Exempt from ATR No
XXXXXX 4000113716 XXXXXX   XXXXXX     Property Appraisal Reconciliation Appraisal Documentation Appraisal Reconciliation Appraisal from prior transaction provided. No secondary valuation with effective date less than 3 months past note date provided. Sec ID: 156 Note Date:  ___; Lien Position: ___ Appraisal from prior transaction provided. No secondary valuation with effective date less than XXXX months past note date provided.       Reviewer Comment (2026-02-18): Accepted as is based on meeting three RAs requirements
       1 N/A N/A A A N/A N/A     N/A N/A   NY Second Home Refinance - Cash-out - Other   B B A A B B A A   Exempt from ATR No
XXXXXX 4000114698 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided. The provided CU and/or LCA do not provide relief. Sec ID: 138   Loan is to be securitized. One valuation was provided. The provided CU and/or LCA do not provide relief.       Reviewer Comment (2026-03-30): Received, Clearing.


Seller Comment (2026-03-30): Comment from XXXX (XXXX): XXXX: Please see the attached CDA.


Reviewer Comment (2026-02-19): A valid UCDP score was not provided. A secondary valuation is required to support the primary value for securitization purposes. UCDP scores 3.2 and 5.  Exception remains.


Buyer Comment (2026-02-19): Comment from XXXX (XXXX): XXXX: Please note that a secondary valuation was not required on this loan. The SSRs were provided as additional appraisal documentation, not as evidence of the secondary valuation.
 03/30/2026     1 D A A A D A   A D A   GA Primary Refinance - Cash-out - Other   D A A A A A D A   Exempt from ATR No
XXXXXX 4000116325 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___ XXXX AVM in file. CU or LCA not provided.       Reviewer Comment (2026-02-19): Accepted as is based on meeting three RAs requirements
       1 N/A N/A A A N/A N/A     N/A N/A   CA Investment Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000116325 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___ XXXX AVM in file. CU or LCA not provided.       Reviewer Comment (2026-02-19): Accepted as is.
     02/19/2026 2 A A A A A A     B B   CA Investment Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000113642 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-02-19): Accepted as is based on meeting three RAs requirements
       1 N/A N/A A A N/A N/A     N/A N/A   CA Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000113642 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-02-19): Accepted as is.
     02/19/2026 2 A A A A A A     B B   CA Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000114280 XXXXXX   XXXXXX     Credit Income / Employment Income Documentation Missing Document  REO Documents are missing. - Insurance Document is missing for REO       Reviewer Comment (2026-02-23): Received Property History confirms that the property is a vacant land, hence it has no insurance. Taxes are verified from Property History Report. Exception cleared.


Seller Comment (2026-02-23): Comment from XXXX (XXXX): XXXX: The REO is vacant land, the borrower more than likely will not have and HOI policy on the property. This is because HOI covers the improvements (construction) on the property, and vacant land does not have any improvements. Underwriters will not ask for HOI policies on REOs that are vacant land.

Please see attached document that states the property is vacant land
 02/23/2026     1 C A C A C A C A C A   NJ Primary Refinance - Cash-out - Other   C B C B A A A A   Exempt from ATR No
XXXXXX 4000114280 XXXXXX   XXXXXX     Credit Insurance Insurance Analysis Insurance Hazard Insurance Policy expires within 90 days of the Note Date. Hazard Insurance Policy Expiration Date ___, Note Date ___ Need Renewed Hazard Insurance for Subject Property as it is getting Expired in less than 90 Days from Note Date       Reviewer Comment (2026-02-19): Accepted as is.
     02/19/2026 2 B B B B B B B B B B   NJ Primary Refinance - Cash-out - Other   C B C B A A A A   Exempt from ATR No
XXXXXX 4000114472 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___ XXXX AVM by XXXX in file. CU or LCA not provided.       Reviewer Comment (2026-02-19): Accepted as is.
     02/19/2026 2 A A A A A A     B B   AZ Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000114472 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___ XXXX AVM by XXXX in file. CU or LCA not provided.       Reviewer Comment (2026-02-19): Accepted as is based on meeting three RAs requirements
       1 N/A N/A A A N/A N/A     N/A N/A   AZ Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000111223 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-02-18): Accepted as is based on meeting two RAs requirements
       1 N/A N/A A A N/A N/A     N/A N/A   FL Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000111223 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-02-18): Accepted as is.
     02/18/2026 2 A A A A A A     B B   FL Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000108252 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___ Loan is to be securitized. AVM in file.       Reviewer Comment (2026-02-18): Client elects to waive
     02/18/2026 2 A A A A A A     B B   AZ Investment Refinance - Cash-out - Other   D A A A A A D A   Exempt from ATR No
XXXXXX 4000108252 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. No eligible primary ("Use for LTV") valuation was provided. Sec ID: 135   Loan is to be securitized. AVM In file.       Reviewer Comment (2026-03-06): Received, Clearing.


Buyer Comment (2026-03-06): Comment from XXXX (XXXX): What is required here?
 03/06/2026     1 D A D A D A   A D A   AZ Investment Refinance - Cash-out - Other   D A A A A A D A   Exempt from ATR No
XXXXXX 4000108252 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-03-06): Accepted as is.
     03/06/2026 1   N/A   A   N/A       N/A   AZ Investment Refinance - Cash-out - Other   D A A A A A D A   Exempt from ATR No
XXXXXX 4000114390 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-02-19): Accepted as is based on meeting three RAs requirements
       1 N/A N/A A A N/A N/A     N/A N/A   CA Second Home Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000114390 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-02-19): Accepted as is.
     02/19/2026 2 A A A A A A     B B   CA Second Home Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000115818 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___ Loan is to be securitized. One valuation was provided, with no CU or LCA.       Reviewer Comment (2026-02-19): Accepted as is based on meeting three RAs requirements.
       1 N/A N/A A A N/A N/A     N/A N/A   CA Investment Refinance - Cash-out - Other   C A C A A A A A   Exempt from ATR No
XXXXXX 4000115818 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___ Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date.       Reviewer Comment (2026-02-19): Accepted as is.
     02/19/2026 2 A A A A A A     B B   CA Investment Refinance - Cash-out - Other   C A C A A A A A   Exempt from ATR No
XXXXXX 4000115818 XXXXXX   XXXXXX     Credit Credit Miscellaneous Guideline Credit Exception:   All mortgages must be current per guidelines. XXXX  payoff on the HELOC agreement reflects past due payment, as well as Mortgage Statement provided.       Reviewer Comment (2026-02-24): Received, Clearing.


Seller Comment (2026-02-23): Comment from XXXX (XXXX): XXXX: The past due mortgage payment that was on the most recent mortgage statement was paid off with this transaction. This would make the mortgage current.
 02/24/2026     1 C A C A C A C A C A   CA Investment Refinance - Cash-out - Other   C A C A A A A A   Exempt from ATR No
XXXXXX 4000112920 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-02-19): Accepted as is based on meeting three RAs requirements
       1 N/A N/A A A N/A N/A     N/A N/A   IN Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000114380 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 372 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-02-19): Accepted as is.
     02/19/2026 2 B B A A A A     A A   CA Investment Refinance - Cash-out - Other   D D A A A A D D   Exempt from ATR No
XXXXXX 4000114380 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 180 Note Date:  ___; Lien Position: ___ Loan is to be securitized. AVM was provided, with no CU or LCA.       Reviewer Comment (2026-02-19): Accepted as is based on meeting three RAs requirements
       3 N/A N/A A A N/A N/A     D D   CA Investment Refinance - Cash-out - Other   D D A A A A D D   Exempt from ATR No
XXXXXX 4000112960 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___ The File was Missing the Secondary Valuation required for Securitization purposes       Reviewer Comment (2026-02-19): Accepted as is.
     02/19/2026 2 A A A A A A     B B   VA Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000112960 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___ The File was Missing the Secondary Valuation required for Securitization purposes       Reviewer Comment (2026-02-19): Accepted as is based on meeting three RAs requirements
       1 N/A N/A A A N/A N/A     N/A N/A   VA Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000115815 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___ The file is missing a copy of the supporting secondary valuation required for securitization purposes.       Reviewer Comment (2026-02-19): Accepted as is.
     02/19/2026 2 A A A A A A     B B   AZ Primary Refinance - Cash-out - Other   B B A A A A B B   Exempt from ATR No
XXXXXX 4000113150 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___ Loan is to be securitized. AVM was provided, with no CU or LCA.       Reviewer Comment (2026-02-19): Accepted as is based on meeting two RAs requirements
       1 N/A N/A A A N/A N/A     N/A N/A   CA Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000113150 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-02-19): Accepted as is.
     02/19/2026 2 A A A A A A     B B   CA Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000114945 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-02-19): Accepted as is.
     02/19/2026 2 A A A A A A     B B   WA Primary Refinance - Cash-out - Other   B B A A B B A A   Exempt from ATR No
XXXXXX 4000114945 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___ Securitization Valuation - Loan/Appraisal Documentation Loan is to be securitized. One valuation was provided, with no CU or LCA.       Reviewer Comment (2026-02-19): Accepted as is based on meeting three RAs requirements
       1 N/A N/A A A N/A N/A     N/A N/A   WA Primary Refinance - Cash-out - Other   B B A A B B A A   Exempt from ATR No
XXXXXX 4000114945 XXXXXX   XXXXXX     Compliance Loan Package Documentation Application / Processing Missing, Incorrect, or Incomplete Final or Initial 1003 Missing Document: Missing Lender's Initial 1003           Reviewer Comment (2026-02-19): Accepted as is.
     02/19/2026 2 B B B B B B B B B B   WA Primary Refinance - Cash-out - Other   B B A A B B A A   Exempt from ATR No
XXXXXX 4000114547 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 180 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-02-19): Accepted as is based on meeting two RAs requirements
       3 N/A N/A A A N/A N/A     D D   VA Investment Refinance - Cash-out - Other   D D A A B B D D   Exempt from ATR No
XXXXXX 4000114547 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 372 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-02-19): Accepted as is.
     02/19/2026 2 B B A A A A     A A   VA Investment Refinance - Cash-out - Other   D D A A B B D D   Exempt from ATR No
XXXXXX 4000114547 XXXXXX   XXXXXX     Compliance Compliance Federal Compliance ECOA ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/XXXX)       Reviewer Comment (2026-02-19): Accepted as is.
     02/19/2026 2 B B B B B B B B B B   VA Investment Refinance - Cash-out - Other   D D A A B B D D   Exempt from ATR No
XXXXXX 4000114547 XXXXXX   XXXXXX     Compliance Compliance Federal Compliance ECOA ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Missing ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to consumer. ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to consumer.       Reviewer Comment (2026-02-19): Accepted as is.
     02/19/2026 2 B B B B B B B B B B   VA Investment Refinance - Cash-out - Other   D D A A B B D D   Exempt from ATR No
XXXXXX 4000112432 XXXXXX   XXXXXX     Property Appraisal Reconciliation Value Discrepancy Appraisal Reconciliation Loan is to be securitized. One or more AVMs were provided. Vendor/FSD of at least one AVM does not meet Fitch criteria. Sec ID: 220 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-02-19): Accepted as is based on meeting more than three RAs requirements
       3 A A D D A A     A A   MI Primary Refinance - Cash-out - Other   D D A A B B D D   Exempt from ATR No
XXXXXX 4000112432 XXXXXX   XXXXXX     Compliance Compliance Federal Compliance ECOA ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. Verification appraisal was delivered to borrower was not provided.       Reviewer Comment (2026-02-19): Accepted as is.
     02/19/2026 2 B B B B B B B B B B   MI Primary Refinance - Cash-out - Other   D D A A B B D D   Exempt from ATR No
XXXXXX 4000112432 XXXXXX   XXXXXX     Compliance Compliance Federal Compliance ECOA ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. Verification appraisal was delivered to borrower was not provided.       Reviewer Comment (2026-02-19): Accepted as is.
     02/19/2026 2 B B B B B B B B B B   MI Primary Refinance - Cash-out - Other   D D A A B B D D   Exempt from ATR No
XXXXXX 4000115817 XXXXXX   XXXXXX     Compliance Loan Package Documentation Application / Processing Missing, Incorrect, or Incomplete Final or Initial 1003 Missing Document: Missing Lender's Initial 1003   Initial 1003 is missing in the file.       Reviewer Comment (2026-02-20): Accepted as is.
     02/20/2026 2 B B B B B B B B B B   CA Primary Refinance - Cash-out - Other   C B B B C B B B   Exempt from ATR No
XXXXXX 4000115817 XXXXXX   XXXXXX     Credit Title General Title Title Policy Coverage is less than Original Loan Amount. The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. Title Policy Coverage is less than Original Loan Amount.       Reviewer Comment (2026-02-20): Accepted as is.
     02/20/2026 2 B B B B B B B B B B   CA Primary Refinance - Cash-out - Other   C B B B C B B B   Exempt from ATR No
XXXXXX 4000115817 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-02-20): Accepted as is.
     02/20/2026 2 A A A A A A     B B   CA Primary Refinance - Cash-out - Other   C B B B C B B B   Exempt from ATR No
XXXXXX 4000115817 XXXXXX   XXXXXX     Compliance Compliance Federal Compliance RESPA RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application RESPA Disclosure Rule (Dodd-Frank 2014): List of Homeownership Counseling Organizations not provided to applicant within three (3) business days of application. RESPA Disclosure Rule (Dodd-Frank 2014): List of Homeownership Counseling Organizations not provided to applicant within three (3) business days of application.       Reviewer Comment (2026-02-20): Accepted as is.
     02/20/2026 2 B B B B B B B B B B   CA Primary Refinance - Cash-out - Other   C B B B C B B B   Exempt from ATR No
XXXXXX 4000115817 XXXXXX   XXXXXX     Compliance Compliance Federal Compliance TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act:  Subject loan transaction disbursed on XXXX, prior to three (3) business days from transaction date of XXXX.         Reviewer Comment (2026-02-25): Received, Clearing.


Seller Comment (2026-02-25): Comment from XXXX (XXXX): XXXX Please see the attached final Settlement Statement showing that the disbursement date was after the rescission period expired.
 02/25/2026     1 C A C A C A C A C A   CA Primary Refinance - Cash-out - Other TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C B B B C B B B   Exempt from ATR Yes
XXXXXX 4000113305 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-02-19): Accepted as is.
     02/19/2026 2 A A A A A A     B B   CA Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000113305 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-02-19): Accepted as is based on meeting two RAs requirements
       1 N/A N/A A A N/A N/A     N/A N/A   CA Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000115582 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-02-19): Accepted as is.
     02/19/2026 2 A A A A A A     B B   VA Primary Refinance - Cash-out - Other   B B B B A A A A   Exempt from ATR No
XXXXXX 4000115582 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-02-19): Accepted as is based on meeting two RAs requirements
       1 N/A N/A A A N/A N/A     N/A N/A   VA Primary Refinance - Cash-out - Other   B B B B A A A A   Exempt from ATR No
XXXXXX 4000115582 XXXXXX   XXXXXX     Credit Title General Title Title Policy Coverage is less than Original Loan Amount. The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file.         Reviewer Comment (2026-02-19): Accepted as is.
     02/19/2026 2 B B B B B B B B B B   VA Primary Refinance - Cash-out - Other   B B B B A A A A   Exempt from ATR No
XXXXXX 4000114871 XXXXXX   XXXXXX     Credit Loan Package Documentation Application / Processing Loan Package Documentation Missing Document: Business Purpose Certificate not provided   Business Purpose Certificate is missing.       Reviewer Comment (2026-02-25): Business Purpose Certificate received, cleared


Seller Comment (2026-02-25): Comment from XXXX (XXXX): XXXX Please see attached Business purpose and Occupancy Affidavit
 02/25/2026     1 C A C A C A C A C A   FL Investment Refinance - Cash-out - Other   C B C A B B A A   Exempt from ATR No
XXXXXX 4000114871 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___ XXXX  Property Explorer AVM in file. Cu or LCA not provided.       Reviewer Comment (2026-02-20): Accepted as is based on meeting three RAs requirements
       1 N/A N/A A A N/A N/A     N/A N/A   FL Investment Refinance - Cash-out - Other   C B C A B B A A   Exempt from ATR No
XXXXXX 4000114871 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___ XXXX  Property Explorer AVM is dated XXXX. The Application date is XXXX. The Note Date is XXXX.       Reviewer Comment (2026-02-20): Accepted as is.
     02/20/2026 2 A A A A A A     B B   FL Investment Refinance - Cash-out - Other   C B C A B B A A   Exempt from ATR No
XXXXXX 4000114871 XXXXXX   XXXXXX     Compliance Compliance Federal Compliance Missing Disclosure Notice of Special Flood Hazard Disclosure Not Provided Timely FDPA Notification Rule: Creditor did not provide a Notice of Special Flood Hazard Disclosure within a reasonable time prior to closing. FDPA Notification Rule: Creditor did not provide a Notice of Special Flood Hazard Disclosure within a reasonable time prior to closing.       Reviewer Comment (2026-02-20): Accepted as is.
     02/20/2026 2 B B B B B B B B B B   FL Investment Refinance - Cash-out - Other   C B C A B B A A   Exempt from ATR No
XXXXXX 4000114375 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___ Secondary valuation is not required for HELOC file.       Reviewer Comment (2026-02-20): Accepted as is.
     02/20/2026 2 A A A A A A     B B   NY Primary Refinance - Cash-out - Other   C B C A B B B B   Exempt from ATR No
XXXXXX 4000114375 XXXXXX   XXXXXX     Credit Insurance Insurance Analysis Insurance Insufficient Coverage: Hazard insurance coverage amount is insufficient.   The file did not contain an estimated cost to replace from insurer. Calculations are based on XXXX % of the insurable value of the improvements (from appraiser cost provided or if no appraiser cost, the purchase price) using agency calculation methods. Coverage is insufficient by $XXXX       Reviewer Comment (2026-03-05): Received Replacement Cost Estimator and the shortfall is covered. Exception cleared.


Seller Comment (2026-03-05): Comment from XXXX (XXXX): Please see insurance agent confirmation on page 467-468 of the loan file
 03/05/2026     1 C A C A C A C A C A   NY Primary Refinance - Cash-out - Other   C B C A B B B B   Exempt from ATR No
XXXXXX 4000114375 XXXXXX   XXXXXX     Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Guideline Requirement: Investor qualifying total debt ratio discrepancy.   Calculated investor qualifying total debt ratio of XXXX% exceeds Guideline total debt ratio of XXXX%.       Reviewer Comment (2026-03-05): Tax for the property XXXX verified and updated as per Tax Certificate provided. DTI is within the guideline limit. Exception cleared.


Buyer Comment (2026-03-05): Comment from XXXX (XXXX): Please provide a breakdown of your calculation
 03/05/2026     1 C A C A C A C A C A   NY Primary Refinance - Cash-out - Other   C B C A B B B B   Exempt from ATR No
XXXXXX 4000114375 XXXXXX   XXXXXX     Compliance Loan Package Documentation Application / Processing Missing, Incorrect, or Incomplete Final or Initial 1003 Missing Document: Missing Lender's Initial 1003           Reviewer Comment (2026-02-20): Accepted as is.
     02/20/2026 2 B B B B B B B B B B   NY Primary Refinance - Cash-out - Other   C B C A B B B B   Exempt from ATR No
XXXXXX 4000116323 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-02-20): Accepted as is.
     02/20/2026 2 A A A A A A     B B   CA Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000116323 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-02-19): Accepted as is based on meeting three RAs requirements.
       1 N/A N/A A A N/A N/A     N/A N/A   CA Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000114363 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___ XXXX AVM dated XXXX. The Application date is XXXX. Note date XXXX.       Reviewer Comment (2026-02-20): Accepted as is.
     02/20/2026 2 A A A A A A     B B   OR Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000114363 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___ XXXX AVM in file. CU or LCA not provided.       Reviewer Comment (2026-02-19): Accepted as is based on meeting three RAs requirements.
       1 N/A N/A A A N/A N/A     N/A N/A   OR Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000112099 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___ XXXX  AVM is dated XXXX. The Application date is XXXX. The Note date isXXXX       Reviewer Comment (2026-02-20): Accepted  as is.
     02/20/2026 2 A A A A A A     B B   SC Primary Refinance - Cash-out - Other   D A A A A A D A   Exempt from ATR No
XXXXXX 4000112099 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. No eligible primary ("Use for LTV") valuation was provided. Sec ID: 135   Loan is to be securitized, No eligible primary use for LTV valuation was provided. BPO is not an eligible valuation type.       Reviewer Comment (2026-02-23): Duplicate exception
 02/23/2026     1 D A D A D A   A D A   SC Primary Refinance - Cash-out - Other   D A A A A A D A   Exempt from ATR No
XXXXXX 4000112099 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___ BPO is not an eligible valuation product per XXXX guidelines       Reviewer Comment (2026-02-25): Accepted as is based on meeting three or more RAs requirements.


Seller Comment (2026-02-24): Comment from XXXX (XXXX): Please see attached AVM and 1008.
       1   N/A   A   N/A       N/A   SC Primary Refinance - Cash-out - Other   D A A A A A D A   Exempt from ATR No
XXXXXX 4000111334 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___ Secondary valuation is not required for second lien files as per HELOC program.       Reviewer Comment (2026-02-20): Accepted as is.
     02/20/2026 2 A A A A A A     B B   NV Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000111334 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___ Loan is to be securitized. One valuation was provided, with no CU or LCA.       Reviewer Comment (2026-02-20): Accepted as is based on meeting three RAs requirements
       1 N/A N/A A A N/A N/A     N/A N/A   NV Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000111217 XXXXXX   XXXXXX     Credit Legal / Regulatory / Compliance Title / Lien Defect Legal / Regulatory / Compliance Final Title Policy is missing. No evidence of title in file.           Reviewer Comment (2026-02-23): Received Title Evidence. Exception cleared.


Seller Comment (2026-02-23): Comment from XXXX (XXXX): Please see attached.
 02/23/2026     1 C A C A C A C A C A   PA Primary Refinance - Cash-out - Other   C A C A A A A A   Exempt from ATR No
XXXXXX 4000111217 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-02-23): Accepted as is based on meeting three RAs requirements
       1 N/A N/A A A N/A N/A     N/A N/A   PA Primary Refinance - Cash-out - Other   C A C A A A A A   Exempt from ATR No
XXXXXX 4000111217 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-02-23): Accepted as is.
     02/23/2026 2 A A A A A A     B B   PA Primary Refinance - Cash-out - Other   C A C A A A A A   Exempt from ATR No
XXXXXX 4000115564 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-02-20): Accepted as is per client.
     02/20/2026 2 A A A A A A     B B   AZ Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000115564 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___ Loan is to be securitized. AVM was provided, with no CU or LCA.       Reviewer Comment (2026-02-20): Accepted as is based on meeting three RAs requirements.
       1 N/A N/A A A N/A N/A     N/A N/A   AZ Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000112445 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___ XXXX AVM in file is dated XXXX. The Application date is XXXX. The Note date is XXXX       Reviewer Comment (2026-02-20): Accepted as is per client.
     02/20/2026 2 A A A A A A     B B   MN Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000112445 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___ XXXX AVM in file. CU or LCA not provided.       Reviewer Comment (2026-02-20): Accepted as is based on meeting three RAs requirements.
       1 N/A N/A A A N/A N/A     N/A N/A   MN Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000111332 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___ XXXX AVM is dated XXXX. The Application date is XXXX. The Note date is XXXX.       Reviewer Comment (2026-02-20): Accepted as is per client.
     02/20/2026 2 A A A A A A     B B   MN Primary Refinance - Cash-out - Other   B B A A A A B B   Exempt from ATR No
XXXXXX 4000112398 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___ The file is missing a copy of the supporting secondary valuation required for securitization purposes.       Reviewer Comment (2026-02-23): Accepted as is based on meeting more than three RAs requirements
       1 N/A N/A A A N/A N/A     N/A N/A   CA Investment Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000113202 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 372 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-02-20): Accepted as is.
     02/20/2026 2 B B A A A A     A A   FL Investment Refinance - Cash-out - Other   D D A A B B D D   Exempt from ATR No
XXXXXX 4000113202 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 180 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-02-20): Accepted as is based on meeting three RAs requirements
       3 N/A N/A A A N/A N/A     D D   FL Investment Refinance - Cash-out - Other   D D A A B B D D   Exempt from ATR No
XXXXXX 4000113202 XXXXXX   XXXXXX     Compliance Compliance Federal Compliance ECOA ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation.         Reviewer Comment (2026-02-20): Accepted as is.
     02/20/2026 2 B B B B B B B B B B   FL Investment Refinance - Cash-out - Other   D D A A B B D D   Exempt from ATR No
XXXXXX 4000113845 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___ Loan is to be securitized. One valuation was provided, with no CU or LCA.       Reviewer Comment (2026-02-23): Accepted as is based on meeting two RAs requirements
       1 N/A N/A A A N/A N/A     N/A N/A   MN Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000113845 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___ Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date.       Reviewer Comment (2026-02-23): Accepted as is.
     02/23/2026 2 A A A A A A     B B   MN Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000114806 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___ XXXX AVM in file. CU or LCA not provided.       Reviewer Comment (2026-02-20): Accepted as is based on meeting three RAs requirements
       1 N/A N/A A A N/A N/A     N/A N/A   WA Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000114806 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___ XXXX AVM is dated XXXX. The Application date is XXXX. The Note date is XXXX.       Reviewer Comment (2026-02-20): Accepted as is per client.
     02/20/2026 2 A A A A A A     B B   WA Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000111646 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___ 2055 Valuation in file. CU or LCA not provided.       Reviewer Comment (2026-02-20): Accepted as is based on meeting two RAs requirements
       1 N/A N/A A A N/A N/A     N/A N/A   PA Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000111646 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___ 2055 Valuation dated $XXXX. The Application date is $XXXX. The Note date is $XXXX       Reviewer Comment (2026-02-20): Accepted as is per client.
     02/20/2026 2 A A A A A A     B B   PA Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000111646 XXXXXX   XXXXXX     Compliance Compliance Federal Compliance TILA Truth in Lending Act (HELOC): Fee amounts for testing were sourced from one or more fee documents in file containing higher amounts than that reflected on HELOC Agreement. Truth in Lending Act (HELOC): Fee amounts were sourced from multiple disclosures containing higher amounts than that reflected on HELOC Agreement. Fee amounts were sourced from multiple disclosures containing higher amounts than that reflected on HELOC Agreement and Settlement Statement in file.       Reviewer Comment (2026-02-20): Accepted as is per client.
     02/20/2026 2 A A A A A A A A A A   PA Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000113633 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-02-23): Accepted as is based on meeting three RAs requirements.
       1 N/A N/A A A N/A N/A     N/A N/A   CA Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000113633 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-02-23): Accepted as is.
     02/23/2026 2 A A A A A A     B B   CA Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000114394 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-02-23): Accepted as is.
     02/23/2026 2 A A A A A A     B B   OK Primary Refinance - Cash-out - Other   B B A A A A B B   Exempt from ATR No
XXXXXX 4000117617 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___ Loan is to be securitized. One valuation was provided, with no CU or LCA.       Reviewer Comment (2026-02-23): Accepted as is based on meeting three RAs requirements
       1 N/A N/A A A N/A N/A     N/A N/A   CA Primary Refinance - Cash-out - Other   B B B B A A A A   Exempt from ATR No
XXXXXX 4000117617 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___ Secondary valuation is not required for second lien files as per HELOC program.       Reviewer Comment (2026-02-23): Accepted as is.
     02/23/2026 2 A A A A A A     B B   CA Primary Refinance - Cash-out - Other   B B B B A A A A   Exempt from ATR No
XXXXXX 4000117617 XXXXXX   XXXXXX     Credit Title Document Error Title The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided.   The Preliminary title policy is within $XXXX or $XXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provide       Reviewer Comment (2026-02-23): Accepted as is.
     02/23/2026 2 B B B B B B B B B B   CA Primary Refinance - Cash-out - Other   B B B B A A A A   Exempt from ATR No
XXXXXX 4000115816 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-02-23): Accepted as is based on meeting three RAs requirements
       1 N/A N/A A A N/A N/A     N/A N/A   CA Investment Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000115298 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-02-23): Accepted as is based on meeting more than three RAs requirements
       1 N/A N/A A A N/A N/A     N/A N/A   NY Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000115298 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-02-23): Accepted as is.
     02/23/2026 2 A A A A A A     B B   NY Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000115303 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-02-23): Accepted as is.
     02/23/2026 2 A A A A A A     B B   CA Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000115303 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-02-23): Accepted as is based on meeting two RAs requirements
       1 N/A N/A A A N/A N/A     N/A N/A   CA Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000112612 XXXXXX   XXXXXX     Credit Loan Package Documentation Closing / Title Collateral Security Instrument is not signed by borrower(s).   Security Instrument is not signed by borrower(s).       Reviewer Comment (2026-02-25): Received signed Security Instrument. Exception cleared.


Seller Comment (2026-02-24): Comment from XXXX (XXXX): XXXX: Please see the attached //


Reviewer Comment (2026-02-23): Were looking for the security agreement not the HELOC agreement. Exception remains.


Seller Comment (2026-02-23): Comment from XXXX (XXXX): XXXX- Please see attached HELOC Agreement
 02/25/2026     1 C A C A C A C A C A   MI Primary Refinance - Cash-out - Other   C A C A A A A A   Exempt from ATR No
XXXXXX 4000112612 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-02-23): Accepted as is based on meeting three RAs requirements.
       1 N/A N/A A A N/A N/A     N/A N/A   MI Primary Refinance - Cash-out - Other   C A C A A A A A   Exempt from ATR No
XXXXXX 4000112612 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-02-23): Accepted as is.
     02/23/2026 2 A A A A A A     B B   MI Primary Refinance - Cash-out - Other   C A C A A A A A   Exempt from ATR No
XXXXXX 4000114867 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-02-24): Accepted as is based on meeting three RAs requirements
       1 N/A N/A A A N/A N/A     N/A N/A   WA Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000114867 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-02-24): Accepted as is.
     02/24/2026 2 A A A A A A     B B   WA Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000113151 XXXXXX   XXXXXX     Credit Title Document Error Title The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided.   The Preliminary title policy is within XXXX or XXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided.       Reviewer Comment (2026-02-23): Accepted as is.
     02/23/2026 2 B B B B B B B B B B   CA Primary Refinance - Cash-out - Other   B B B B A A A A   Exempt from ATR No
XXXXXX 4000113151 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___ Loan is to be securitized. One valuation was provided, with no CU or LCA.       Reviewer Comment (2026-02-23): Accepted as is based on meeting two RAs requirements
       1 N/A N/A A A N/A N/A     N/A N/A   CA Primary Refinance - Cash-out - Other   B B B B A A A A   Exempt from ATR No
XXXXXX 4000113151 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___ Secondary valuation is not required for second lien files as per HELOC program.       Reviewer Comment (2026-02-23): Accepted as is.
     02/23/2026 2 A A A A A A     B B   CA Primary Refinance - Cash-out - Other   B B B B A A A A   Exempt from ATR No
XXXXXX 4000114719 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___ Secondary valuation not required in Heloc Second lien file .       Reviewer Comment (2026-02-23): Accepted as is based on meeting three RAs requirements
       1 N/A N/A A A N/A N/A     N/A N/A   CA Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000114719 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___ Secondary valuation not required in Heloc Second lien file .       Reviewer Comment (2026-02-23): Accepted as is.
     02/23/2026 2 A A A A A A     B B   CA Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000112487 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-02-23): Accepted as is.
     02/23/2026 2 A A A A A A     B B   GA Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000112487 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___ Loan is to be securitized. AVM was provided, with no CU or LCA.       Reviewer Comment (2026-02-23): Accepted as is based on meeting three RAs requirements.
       1 N/A N/A A A N/A N/A     N/A N/A   GA Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000115698 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___ XXXX AVM in file. CU or LCA not provided.       Reviewer Comment (2026-02-23): Accepted as is based on meeting three RAs requirements
       1 N/A N/A A A N/A N/A     N/A N/A   NC Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000115698 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___ XXXX AVM dated $XXXX. The Application date is XXXX. The Note date is $XXXX       Reviewer Comment (2026-02-23): Accepted as is.
     02/23/2026 2 A A A A A A     B B   NC Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000113710 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___ Loan is to be securitized. One valuation was provided, with no CU or LCA.       Reviewer Comment (2026-02-23): Accepted as is based on meeting two RAs requirements
       1 N/A N/A A A N/A N/A     N/A N/A   CA Investment Refinance - Cash-out - Other   B B B B A A A A   Exempt from ATR No
XXXXXX 4000113710 XXXXXX   XXXXXX     Credit Title General Title Title Policy Coverage is less than Original Loan Amount. The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. The Title Policy Amount of $$XXXX is less than the note amount of $$XXXX based on the Commitment in file.       Reviewer Comment (2026-02-23): Accepted as is.
     02/23/2026 2 B B B B B B B B B B   CA Investment Refinance - Cash-out - Other   B B B B A A A A   Exempt from ATR No
XXXXXX 4000116586 XXXXXX   XXXXXX     Credit Title Document Error Title The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided.   The Preliminary title policy amount is blank.       Reviewer Comment (2026-02-23): Accepted as is.
     02/23/2026 2 B B B B B B B B B B   CA Second Home Refinance - Cash-out - Other   B B B B A A A A   Exempt from ATR No
XXXXXX 4000116586 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-02-23): Accepted as is based on meeting three RAs requirements.
       1 N/A N/A A A N/A N/A     N/A N/A   CA Second Home Refinance - Cash-out - Other   B B B B A A A A   Exempt from ATR No
XXXXXX 4000114112 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-02-23): Accepted as is based on meeting three RAs requirements
       1 N/A N/A A A N/A N/A     N/A N/A   PA Primary Refinance - Cash-out - Other   B B A A B B A A   Exempt from ATR No
XXXXXX 4000114112 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-02-23): Accepted as is.
     02/23/2026 2 A A A A A A     B B   PA Primary Refinance - Cash-out - Other   B B A A B B A A   Exempt from ATR No
XXXXXX 4000114112 XXXXXX   XXXXXX     Compliance Compliance Federal Compliance Cross Collateralized Cross Collateralized Mortgage Loan There are multiple properties securing the repayment of this loan. (Cross collateralized)  The property evaluated for the compliance review is based on occupancy type and then based on the property with the highest value. There are multiple properties securing the repayment of this loan. (Cross collateralized) The property evaluated for the compliance review is based on occupancy type and then based on the property with the highest value.       Reviewer Comment (2026-02-23): Accepted as is.
     02/23/2026 2 B B B B B B B B B B   PA Primary Refinance - Cash-out - Other   B B A A B B A A   Exempt from ATR No
XXXXXX 4000109900 XXXXXX   XXXXXX     Compliance Compliance Federal Compliance RESPA RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.       Reviewer Comment (2026-02-23): Accepted as is.
     02/23/2026 2 B B B B B B B B B B   NM Primary Refinance - Cash-out - Other   B B A A B B A A   Exempt from ATR No
XXXXXX 4000109900 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___ Secondary valuation not required in Heloc Second lien file .       Reviewer Comment (2026-02-23): Accepted as is based on meeting two RAs requirements
       1 N/A N/A A A N/A N/A     N/A N/A   NM Primary Refinance - Cash-out - Other   B B A A B B A A   Exempt from ATR No
XXXXXX 4000109900 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___ Secondary valuation not required in Heloc Second lien file .       Reviewer Comment (2026-02-23): Accepted as is.
     02/23/2026 2 A A A A A A     B B   NM Primary Refinance - Cash-out - Other   B B A A B B A A   Exempt from ATR No
XXXXXX 4000109900 XXXXXX   XXXXXX     Compliance Loan Package Documentation Application / Processing Missing, Incorrect, or Incomplete Final or Initial 1003 Missing Document: Missing Lender's Initial 1003   The file is missing copy of Initial 1003.       Reviewer Comment (2026-02-23): Accepted as is.
     02/23/2026 2 B B B B B B B B B B   NM Primary Refinance - Cash-out - Other   B B A A B B A A   Exempt from ATR No
XXXXXX 4000114005 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided. The provided CU and/or LCA do not provide relief. Sec ID: 182           Reviewer Comment (2026-03-11): Received, Clearing.


Seller Comment (2026-03-11): Comment from XXXX (XXXX): Please see attached AVM, PCI and updated 1008.
 03/11/2026     1 D A A A D A   A D A   NC Primary Refinance - Cash-out - Other   D B C A A B D A   Exempt from ATR No
XXXXXX 4000114005 XXXXXX   XXXXXX     Credit Credit Miscellaneous Guideline Credit Exception:   HELOC agreement reflects the lien is 2nd position however, there are no open liens on the property.       Reviewer Comment (2026-02-26): Received, Clearing.


Seller Comment (2026-02-25): Comment from XXXX (XXXX): Please see attached.


Reviewer Comment (2026-02-24): 1st page received. Please provide all pages of corrected and executed HELOC Agreement. Exception remains.


Seller Comment (2026-02-24): Comment from XXXX (XXXX): Please see attached.
 02/26/2026     1 C A C A C A C A C A   NC Primary Refinance - Cash-out - Other   D B C A A B D A   Exempt from ATR No
XXXXXX 4000114005 XXXXXX   XXXXXX     Compliance Compliance Federal Compliance ECOA ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing.         Reviewer Comment (2026-03-11): Accepted as is.
     03/11/2026 2   B   B   B   B   B   NC Primary Refinance - Cash-out - Other   D B C A A B D A   Exempt from ATR No
XXXXXX 4000113995 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-02-24): Accepted as is based on meeting three RAs requirements
       1 N/A N/A A A N/A N/A     N/A N/A   CO Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000113995 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-02-24): Accepted as is.
     02/24/2026 2 A A A A A A     B B   CO Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000115586 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-02-24): Accepted as is based on meeting three RAs requirements
       1 N/A N/A A A N/A N/A     N/A N/A   CA Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000115586 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-02-24): Accepted as is.
     02/24/2026 2 A A A A A A     B B   CA Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000114111 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-02-24): Accepted as is.
     02/24/2026 2 A A A A A A     B B   MO Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000114111 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-02-24): Accepted as is based on meeting two RAs requirements
       1 N/A N/A A A N/A N/A     N/A N/A   MO Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000114433 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 372 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-02-24): Accepted as is.
     02/24/2026 2 B B A A A A     A A   FL Primary Refinance - Cash-out - Other   B B A A B B B B   Exempt from ATR No
XXXXXX 4000114433 XXXXXX   XXXXXX     Compliance Compliance Federal Compliance Missing Disclosure Notice of Special Flood Hazard Disclosure Not Provided Timely FDPA Notification Rule: Creditor did not provide a Notice of Special Flood Hazard Disclosure within a reasonable time prior to closing. Creditor did not provide a Notice of Special Flood Hazard Disclosure within a reasonable time prior to closing.       Reviewer Comment (2026-02-24): Accepted as is.
     02/24/2026 2 B B B B B B B B B B   FL Primary Refinance - Cash-out - Other   B B A A B B B B   Exempt from ATR No
XXXXXX 4000110237 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-02-24): Accepted as is.
     02/24/2026 2 A A A A A A     B B   MD Primary Refinance - Cash-out - Other   B B A A A A B B   Exempt from ATR No
XXXXXX 4000112922 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___ Secondary valuation is not required for second lien files as per HELOC program.       Reviewer Comment (2026-02-24): Accepted as is.
     02/24/2026 2 A A A A A A     B B   CA Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000112922 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___ Loan is to be securitized. One valuation was provided, with no CU or LCA.       Reviewer Comment (2026-02-24): Accepted as is based on meeting two RAs requirements
       1 N/A N/A A A N/A N/A     N/A N/A   CA Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000116517 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-02-24): Accepted as is.
     02/24/2026 2 A A A A A A     B B   GA Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000116517 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-02-24): Accepted as is based on meeting three RAs requirements
       1 N/A N/A A A N/A N/A     N/A N/A   GA Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000112486 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-02-24): Accepted as is.
     02/24/2026 2 A A A A A A     B B   CA Primary Refinance - Cash-out - Other   C B C A C A B B   Exempt from ATR No
XXXXXX 4000112486 XXXXXX   XXXXXX     Compliance Legal / Regulatory / Compliance Anti-Predatory Violation Federal Defect (Fed High Cost Disclosure) Federal High-Cost Mortgage Loan (Notice to Assignee) Truth in Lending Act (HOEPA): Required Statement was not provided to purchaser or assignee for loan that was sold or assigned. (Note: This notice only applies when selling or assigning a HOEPA loan and may not be found in the file for loans that have not been previously sold)         Reviewer Comment (2026-02-25): Received, Clearing.


Seller Comment (2026-02-25): Comment from XXXX (XXXX): XXXX Par rate(also known as undiscounted rate) is within XXXX% higher than APOR which allows for XXXX% bonafide discount to be applied. The Undiscounted Interest Rate Price is $XXXX.
 02/25/2026     1 C A C A C A C A C A   CA Primary Refinance - Cash-out - Other   C B C A C A B B   Exempt from ATR No
XXXXXX 4000112486 XXXXXX   XXXXXX     Compliance Legal / Regulatory / Compliance Anti-Predatory Violation Federal Defect (Fed High Cost Disclosure) Federal High-Cost Mortgage Loan (HOEPA Disclosure Not Provided) Truth in Lending Act (HOEPA):  HOEPA disclosure was not provided to the Borrower         Reviewer Comment (2026-02-25): Received, Clearing.


Seller Comment (2026-02-25): Comment from XXXX (XXXX): XXXX Par rate(also known as undiscounted rate) is within XXXX% higher than APOR which allows for XXXX% bonafide discount to be applied. The Undiscounted Interest Rate Price is $XXXX.
 02/25/2026     1 C A C A C A C A C A   CA Primary Refinance - Cash-out - Other   C B C A C A B B   Exempt from ATR No
XXXXXX 4000112486 XXXXXX   XXXXXX     Compliance Legal / Regulatory / Compliance Anti-Predatory Violation Federal Defect (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Financed Points and Fees) Truth in Lending Act (HOEPA): Mortgage loan financed Points and Fees.         Reviewer Comment (2026-02-25): Received, Clearing.


Seller Comment (2026-02-25): Comment from XXXX (XXXX): XXXX Par rate(also known as undiscounted rate) is within XXXX% higher than APOR which allows for XXXX% bonafide discount to be applied. The Undiscounted Interest Rate Price is $XXXX.
 02/25/2026     1 C A C A C A C A C A   CA Primary Refinance - Cash-out - Other   C B C A C A B B   Exempt from ATR No
XXXXXX 4000112486 XXXXXX   XXXXXX     Compliance Legal / Regulatory / Compliance Anti-Predatory Violation Federal Defect (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Late Charge) Truth in Lending Act (HOEPA): Mortgage loan contains a late charge that exceeds the greater of XXXX% of the amount past due or grace period of less than XXXX days.         Reviewer Comment (2026-02-25): Received, Clearing.


Seller Comment (2026-02-25): Comment from XXXX (XXXX): XXXX Par rate(also known as undiscounted rate) is within XXXX% higher than APOR which allows for XXXX% bonafide discount to be applied. The Undiscounted Interest Rate Price is $XXXX.
 02/25/2026     1 C A C A C A C A C A   CA Primary Refinance - Cash-out - Other   C B C A C A B B   Exempt from ATR No
XXXXXX 4000112486 XXXXXX   XXXXXX     Compliance Compliance Federal Compliance Federal Defect (Fed High Cost) Federal High-Cost Mortgage Loan (Points and Fees) Truth in Lending Act (High-Cost Mortgage): Points and Fees on subject loan of XXXX% is in excess of the allowable maximum of  XXXX% of the Federal Total Loan Amount. Points and Fees of $XXXX on a Federal Total Loan Amount of $XXXX vs. an allowable total of $XXXX(an overage of $XXXXor .XXXX%).  Non-Compliant High Cost Loan.         Reviewer Comment (2026-02-25): Received, Clearing.


Seller Comment (2026-02-25): Comment from XXXX (XXXX): XXXX Par rate(also known as undiscounted rate) is within XXXX% higher than APOR which allows for XXXX% bonafide discount to be applied. The Undiscounted Interest Rate Price is $XXXX.
 02/25/2026     1 C A C A C A C A C A   CA Primary Refinance - Cash-out - Other (1) Signed letter from borrower indicating their choice to either (a) accept refund and make loan non-high-cost or (b) keep loan as high-cost and make loan compliant; (2) Assuming option (a) is selected, a copy of refund check and proof of mailing; (3) Assuming option (b) is selected, proof of cure for each of the prohibited practices violations noted. C B C A C A B B   Exempt from ATR Yes
XXXXXX 4000112486 XXXXXX   XXXXXX     Compliance Legal / Regulatory / Compliance Anti-Predatory Violation Federal Defect (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Counseling Requirement) Truth in Lending Act (HOEPA): Borrower did not receive pre-loan counseling.         Reviewer Comment (2026-02-25): Received, Clearing.


Seller Comment (2026-02-25): Comment from XXXX (XXXX): XXXX Par rate(also known as undiscounted rate) is within XXXX% higher than APOR which allows for XXXX% bonafide discount to be applied. The Undiscounted Interest Rate Price is $XXXX.
 02/25/2026     1 C A C A C A C A C A   CA Primary Refinance - Cash-out - Other   C B C A C A B B   Exempt from ATR No
XXXXXX 4000112486 XXXXXX   XXXXXX     Credit Credit Miscellaneous Guideline Credit Exception:   Trust Agreement is not signed.       Reviewer Comment (2026-02-27): Received, Clearing.


Seller Comment (2026-02-27): Comment from XXXX (XXXX): XXXX: Please see attached.
 02/27/2026     1 C A C A C A C A C A   CA Primary Refinance - Cash-out - Other   C B C A C A B B   Exempt from ATR No
XXXXXX 4000115584 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-02-24): Accepted as is based on meeting three RAs requirements.
       1 N/A N/A A A N/A N/A     N/A N/A   CA Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000115584 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-02-24): Accepted as is.
     02/24/2026 2 A A A A A A     B B   CA Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000111675 XXXXXX   XXXXXX     Compliance Compliance Federal Compliance TILA Truth in Lending Act (HELOC): Fee amounts for testing were sourced from one or more fee documents in file containing higher amounts than that reflected on HELOC Agreement. Truth in Lending Act (HELOC): Fee amounts were sourced from multiple disclosures containing higher amounts than that reflected on HELOC Agreement. Truth in Lending Act (HELOC): Fee amounts were sourced from multiple disclosures containing higher amounts than that reflected on HELOC Agreement.       Reviewer Comment (2026-02-25): Accepted as is.
     02/25/2026 2 A A A A A A A A A A   CA Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000111675 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-02-25): Accepted as is based on meeting two RAs requirements
       1 N/A N/A A A N/A N/A     N/A N/A   CA Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000111675 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-02-25): Accepted as is.
     02/25/2026 2 A A A A A A     B B   CA Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000112397 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-02-25): Accepted as is based on meeting more than three RAs requirements
       1 N/A N/A A A N/A N/A     N/A N/A   CA Primary Refinance - Cash-out - Other   C A C A A A A A   Exempt from ATR No
XXXXXX 4000112397 XXXXXX   XXXXXX     Credit Income / Employment Income Documentation Missing Document  REO Documents are missing. - Please provide evidence of the new $XXXX P&I payment on this property       Reviewer Comment (2026-03-02): Received HELOC Agreement. Exception cleared.


Seller Comment (2026-03-02): Comment from XXXX (XXXX): XXXX: Please see attached.
 03/02/2026     1 C A C A C A C A C A   CA Primary Refinance - Cash-out - Other   C A C A A A A A   Exempt from ATR No
XXXXXX 4000115930 XXXXXX   XXXXXX     Credit Title Document Error Title The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided.   Preliminary Title Report does not list coverage amount.       Reviewer Comment (2026-02-24): Accepted as is.
     02/24/2026 2 B B B B B B B B B B   CA Primary Refinance - Cash-out - Other   B B B B A A A A   Exempt from ATR No
XXXXXX 4000115930 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___ XXXX Property Explorer AVM in file. CU or LCA not provided.       Reviewer Comment (2026-02-24): Accepted as is based on meeting two RAs requirements
       1 N/A N/A A A N/A N/A     N/A N/A   CA Primary Refinance - Cash-out - Other   B B B B A A A A   Exempt from ATR No
XXXXXX 4000115930 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___ $XXXX  AVM is dated $XXXX. The Application date is $XXXX. The Note date is$XXXX       Reviewer Comment (2026-02-24): Accepted as is.
     02/24/2026 2 A A A A A A     B B   CA Primary Refinance - Cash-out - Other   B B B B A A A A   Exempt from ATR No
XXXXXX 4000111774 XXXXXX   XXXXXX     Credit Insurance Insurance Analysis Insurance Hazard Insurance Policy expires within 90 days of the Note Date. Hazard Insurance Policy Expiration Date ___, Note Date ___ Hazard Insurance Policy expires within $XXXX  days of the Note Date.       Reviewer Comment (2026-02-24): Accepted as is.
     02/24/2026 2 B B B B B B B B B B   NJ Primary Refinance - Cash-out - Other   C B C B A A A A   Exempt from ATR No
XXXXXX 4000111774 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-02-24): Accepted as is based on meeting two RAs requirements
       1 N/A N/A A A N/A N/A     N/A N/A   NJ Primary Refinance - Cash-out - Other   C B C B A A A A   Exempt from ATR No
XXXXXX 4000111774 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-02-24): Accepted as is.
     02/24/2026 2 A A A A A A     B B   NJ Primary Refinance - Cash-out - Other   C B C B A A A A   Exempt from ATR No
XXXXXX 4000111774 XXXXXX   XXXXXX     Credit Loan Package Documentation Application / Processing Missing Document  Missing Document: Tax Certificate not provided           Reviewer Comment (2026-03-21): Received, Clearing.


Seller Comment (2026-03-20): Comment from XXXX (XXXX): Please see attached
 03/21/2026     1 C A C A C A C A C A   NJ Primary Refinance - Cash-out - Other   C B C B A A A A   Exempt from ATR No
XXXXXX 4000113557 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 372 Note Date:  ___; Lien Position: ___ XXXX AVM by XXXX in file. CU or LCA not provided.       Reviewer Comment (2026-02-24): Accepted as is.
     02/24/2026 2 B B A A A A     A A   CA Primary Refinance - Cash-out - Other   D D A A B B D D   Exempt from ATR No
XXXXXX 4000113557 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 180 Note Date:  ___; Lien Position: ___ XXXX AVM by $XXXX in file. CU or LCA not provided.       Reviewer Comment (2026-02-24): Accepted as is based on meeting three RAs requirements.
       3 N/A N/A A A N/A N/A     D D   CA Primary Refinance - Cash-out - Other   D D A A B B D D   Exempt from ATR No
XXXXXX 4000113557 XXXXXX   XXXXXX     Compliance Compliance Federal Compliance ECOA ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. Verification appraisal was delivered to borrower was not provided.       Reviewer Comment (2026-02-24): Accepted as is.
     02/24/2026 2 B B B B B B B B B B   CA Primary Refinance - Cash-out - Other   D D A A B B D D   Exempt from ATR No
XXXXXX 4000116324 XXXXXX   XXXXXX     Credit Title General Title Title Policy Coverage is less than Original Loan Amount. The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. The Title Policy Amount of $XXXX is less than the note amount of XXXX based on the Commitment in file.       Reviewer Comment (2026-02-25): Accepted as is.
     02/25/2026 2 B B B B B B B B B B   AZ Primary Refinance - Cash-out - Other   B B B B A A A A   Exempt from ATR No
XXXXXX 4000116324 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-02-25): Accepted as is based on meeting three RAs requirements
       1 N/A N/A A A N/A N/A     N/A N/A   AZ Primary Refinance - Cash-out - Other   B B B B A A A A   Exempt from ATR No
XXXXXX 4000116324 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-02-25): Accepted as is.
     02/25/2026 2 A A A A A A     B B   AZ Primary Refinance - Cash-out - Other   B B B B A A A A   Exempt from ATR No
XXXXXX 4000114402 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-02-26): Accepted as is.
     02/26/2026 2 A A A A A A     B B   CA Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000114402 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-02-26): Accepted as is based on meeting three RAs requirements
       1 N/A N/A A A N/A N/A     N/A N/A   CA Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000114402 XXXXXX   XXXXXX     Compliance Compliance Federal Compliance TILA Truth in Lending Act (HELOC): Fee amounts for testing were sourced from one or more fee documents in file containing higher amounts than that reflected on HELOC Agreement. Truth in Lending Act (HELOC): Fee amounts were sourced from multiple disclosures containing higher amounts than that reflected on HELOC Agreement. Fee amounts were sourced from multiple disclosures containing higher amounts than that reflected on HELOC Agreement.       Reviewer Comment (2026-02-26): Accepted as is.
     02/26/2026 2 A A A A A A A A A A   CA Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000115097 XXXXXX   XXXXXX     Credit Loan Package Documentation Application / Processing Loan Package Documentation Missing Document: Note - Senior Lien not provided           Reviewer Comment (2026-02-26): Received Mortgage Statement. Exception cleared.


Seller Comment (2026-02-26): Comment from XXXX (XXXX): mtg statement in lieu of note
 02/26/2026     1 D A D A D A D A D A   AZ Primary Refinance - Cash-out - Other   D A D A A A A A   Exempt from ATR No
XXXXXX 4000115097 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-02-25): Accepted as is based on meeting two RAs requirements
       1 N/A N/A A A N/A N/A     N/A N/A   AZ Primary Refinance - Cash-out - Other   D A D A A A A A   Exempt from ATR No
XXXXXX 4000115097 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-02-25): Accepted as is.
     02/25/2026 2 A A A A A A     B B   AZ Primary Refinance - Cash-out - Other   D A D A A A A A   Exempt from ATR No
XXXXXX 4000116770 XXXXXX   XXXXXX     Property Appraisal Reconciliation Appraisal Documentation Appraisal Reconciliation Appraisal from prior transaction provided. No secondary valuation with effective date less than 3 months past note date provided. Sec ID: 156 Note Date:  ___; Lien Position: ___ The Appraisal from prior transaction is acceptable.       Reviewer Comment (2026-02-25): Accepted as is based on meeting three RAs requirements
       1 N/A N/A A A N/A N/A     N/A N/A   AZ Second Home Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000114101 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-02-25): Accepted as is.
     02/25/2026 2 A A A A A A     B B   KS Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000114101 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-02-25): Accepted as is based on meeting two RAs requirements
       1 N/A N/A A A N/A N/A     N/A N/A   KS Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000116078 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-02-25): Accepted as is.
     02/25/2026 2 A A A A A A     B B   MD Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000116078 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___ Loan is to be securitized. AVM was provided, with no CU or LCA.       Reviewer Comment (2026-02-25): Accepted as is based on meeting two RAs requirements
       1 N/A N/A A A N/A N/A     N/A N/A   MD Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000109289 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-02-25): Accepted as is.
     02/25/2026 2 A A A A A A     B B   CA Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000109289 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-02-25): Extended coverage on the hazard
       1 N/A N/A A A N/A N/A     N/A N/A   CA Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000115619 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___ Loan is to be securitized. One valuation was provided, with no CU or LCA.       Reviewer Comment (2026-02-26): Accepted as is based on meeting two RAs requirements
       1 N/A N/A A A N/A N/A     N/A N/A   NV Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000115619 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___ Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date.       Reviewer Comment (2026-02-26): Accepted as is.
     02/26/2026 2 A A A A A A     B B   NV Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000114892 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-02-26): Accepted as is based on meeting three RAs requirements
       1 N/A N/A A A N/A N/A     N/A N/A   GA Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000114892 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-02-26): Accepted as is.
     02/26/2026 2 A A A A A A     B B   GA Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000116619 XXXXXX   XXXXXX     Credit Title Document Error Title The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided.   The Preliminary title policy is within XXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided.       Reviewer Comment (2026-02-26): Accepted as is.
     02/26/2026 2 B B B B B B B B B B   CA Primary Refinance - Cash-out - Other   B B B B A A A A   Exempt from ATR No
XXXXXX 4000116619 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___ Secondary valuation is not required for second lien files as per HELOC program.       Reviewer Comment (2026-02-26): Accepted as is based on meeting three RAs requirements
       1 N/A N/A A A N/A N/A     N/A N/A   CA Primary Refinance - Cash-out - Other   B B B B A A A A   Exempt from ATR No
XXXXXX 4000115772 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___ The File was Missing the Secondary Valuation required for Securitization purposes       Reviewer Comment (2026-02-26): Accepted as is based on meeting more than three RAs requirements
       1 N/A N/A A A N/A N/A     N/A N/A   MI Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000114500 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___ Secondary valuation is not required for second lien files as per HELOC program.       Reviewer Comment (2026-02-26): Accepted as is.
     02/26/2026 2 A A A A A A     B B   MI Primary Refinance - Cash-out - Other   C A C A A A A A   Exempt from ATR No
XXXXXX 4000114500 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___ Loan is to be securitized. One valuation was provided, with no CU or LCA.       Reviewer Comment (2026-02-26): Accepted as is based on meeting three RAs requirements
       1 N/A N/A A A N/A N/A     N/A N/A   MI Primary Refinance - Cash-out - Other   C A C A A A A A   Exempt from ATR No
XXXXXX 4000114500 XXXXXX   XXXXXX     Credit Guideline Guideline Issue Guideline Borrower has been on current job less than 2 years, and prior employment history was not documented as required. - Borrower has been on current job less than XXXX years, and prior employment history was not documented as required.       Reviewer Comment (2026-03-18): Received VVOE. Exception cleared.


Seller Comment (2026-03-18): Comment from XXXX (XXXX): Please see attached


Reviewer Comment (2026-03-15): As per VVOE available in the file, borrower has been employed with XXXX since XXXX, that is less than a year. As per guidelines, a minimum history of two years of employment income is required. Exception remains.


Seller Comment (2026-03-13): Comment from XXXX (XXXX): The borrower has been employed with XXXX since XXXX which is 2 years of employment history. They just started a new role there at XXXX
 03/18/2026     1 C A C A C A C A C A   MI Primary Refinance - Cash-out - Other   C A C A A A A A   Exempt from ATR No
XXXXXX 4000114500 XXXXXX   XXXXXX     Credit Income / Employment Income Documentation Income / Employment Income Docs Missing: - VVOE is missing for prior employment in file.       Reviewer Comment (2026-03-18): Received VVOE. Exception cleared.


Seller Comment (2026-03-18): Comment from XXXX (XXXX): Please see attached


Reviewer Comment (2026-03-15): As per VVOE available in the file, borrower has been employed with XXXX since XXXX, that is less than a year. As per guidelines, a minimum history of two years of employment income is required. Exception remains.


Seller Comment (2026-03-13): Comment from XXXX (XXXX): The borrower has been employed with XXXX since XXXX which is 2 years of employment history. They just started a new role there at XXXX
 03/18/2026     1 C A C A C A C A C A   MI Primary Refinance - Cash-out - Other   C A C A A A A A   Exempt from ATR No
XXXXXX 4000117169 XXXXXX   XXXXXX     Compliance Compliance Federal Compliance ECOA ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation.         Reviewer Comment (2026-02-27): Accepted as is.
     02/27/2026 2 B B B B B B B B B B   WI Primary Refinance - Cash-out - Other   D D A A B B D D   Exempt from ATR No
XXXXXX 4000117169 XXXXXX   XXXXXX     Compliance Compliance Federal Compliance ECOA ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Missing ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to consumer.         Reviewer Comment (2026-02-27): Accepted as is.
     02/27/2026 2 B B B B B B B B B B   WI Primary Refinance - Cash-out - Other   D D A A B B D D   Exempt from ATR No
XXXXXX 4000117169 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 180 Note Date:  ___; Lien Position: ___ The File was Missing the Secondary Valuation required for Securitization purposes       Reviewer Comment (2026-02-27): Accepted as is based on meeting two RAs requirements
       3 N/A N/A A A N/A N/A     D D   WI Primary Refinance - Cash-out - Other   D D A A B B D D   Exempt from ATR No
XXXXXX 4000117169 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 372 Note Date:  ___; Lien Position: ___ The File was Missing the Secondary Valuation required for Securitization purposes       Reviewer Comment (2026-02-27): Accepted as is.
     02/27/2026 2 B B A A A A     A A   WI Primary Refinance - Cash-out - Other   D D A A B B D D   Exempt from ATR No
XXXXXX 4000112181 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___ Loan is to be securitized. One valuation was provided, with no CU or LCA       Reviewer Comment (2026-02-26): Accepted as is based on meeting three RAs requirements
       1 N/A N/A A A N/A N/A     N/A N/A   OR Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000112181 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___ Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date.       Reviewer Comment (2026-02-26): Accepted as is.
     02/26/2026 2 A A A A A A     B B   OR Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000117269 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___ Loan is to be securitized. One valuation was provided, with no CU or LCA.       Reviewer Comment (2026-02-26): Accepted as is based on meeting three RAs requirements
       1 N/A N/A A A N/A N/A     N/A N/A   OH Primary Refinance - Cash-out - Other   C A C A A A A A   Exempt from ATR No
XXXXXX 4000117269 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___ Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date.       Reviewer Comment (2026-02-26): Accepted as is.
     02/26/2026 2 A A A A A A     B B   OH Primary Refinance - Cash-out - Other   C A C A A A A A   Exempt from ATR No
XXXXXX 4000117269 XXXXXX   XXXXXX     Credit Title Document Error Title The Preliminary/Commitment does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided.   The preliminary title policy is within OH and does not reflect a coverage amount (no final title policy in file).       Reviewer Comment (2026-03-03): Received Title Evidence with Policy amount. Exception cleared.


Seller Comment (2026-03-03): Comment from XXXX (XXXX): Title Commitment
 03/03/2026     1 C A C A C A C A C A   OH Primary Refinance - Cash-out - Other   C A C A A A A A   Exempt from ATR No
XXXXXX 4000114701 XXXXXX   XXXXXX     Credit Title General Title Title Policy Coverage is less than Original Loan Amount. The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. Title Policy Coverage is less than Original Loan Amount.       Reviewer Comment (2026-02-26): Accepted as is.
     02/26/2026 2 B B B B B B B B B B   WI Primary Refinance - Cash-out - Other   B B B B A A A A   Exempt from ATR No
XXXXXX 4000114701 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-02-26): Accepted as is based on meeting two RAs requirements
       1 N/A N/A A A N/A N/A     N/A N/A   WI Primary Refinance - Cash-out - Other   B B B B A A A A   Exempt from ATR No
XXXXXX 4000115407 XXXXXX   XXXXXX     Credit Title General Title Title Policy Coverage is less than Original Loan Amount. The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. The preliminary title report in file disclosed an amount of title insurance coverage that is less than the loan amount.  Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount.       Reviewer Comment (2026-02-27): Accepted as is.
     02/27/2026 2 B B B B B B B B B B   UT Primary Refinance - Cash-out - Other   B B B B A A A A   Exempt from ATR No
XXXXXX 4000116146 XXXXXX   XXXXXX     Credit Insurance Insurance Analysis Insurance Insufficient Coverage: Hazard insurance coverage amount is insufficient.   The file did not contain an estimated cost to replace from insurer.  Calculations are based on XXXX% of the insurable value of the improvements (from appraiser cost provided or if no appraiser cost, the purchase price) using agency calculation methods.  Coverage is insufficient by $XXXX       Reviewer Comment (2026-03-18): Received updated hazard insurance policy with sufficient coverage. Exception cleared.


Seller Comment (2026-03-18): Comment from XXXX (XXXX): updated HOI coverage and receipt


Reviewer Comment (2026-03-09): Hazard documentation did not clear the shortage, exception remains


Seller Comment (2026-03-09): Comment from XXXX (XXXX): CHECKLIST OF COVERAGE


Reviewer Comment (2026-03-09): The unpaid balance on the first lien is $XXXX and the second lien loan amount is $XXXX. Although the dwelling coverage is $XXXX based on the RCE with the highest available coverage, there remains a shortfall of $XXXX. Exception remains.


Seller Comment (2026-03-09): Comment from XXXX (XXXX): RCE


Reviewer Comment (2026-03-06): There is Coverage shortfall of $XXXX. Hence required RCE. Exception remains.


Seller Comment (2026-03-06): Comment from XXXX (XXXX): fl hoi lox
 03/18/2026     1 C A C A C A C A C A   FL Primary Refinance - Cash-out - Other   C A C A A A A A   Exempt from ATR No
XXXXXX 4000115456 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___ Loan is to be securitized. One valuation was provided, with no CU or LCA.       Reviewer Comment (2026-02-27): Accepted as is based on meeting three or more RAs requirements.
       1 N/A N/A A A N/A N/A     N/A N/A   NY Primary Refinance - Cash-out - Other   C A C A A A A A   Exempt from ATR No
XXXXXX 4000115456 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___ Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date.       Reviewer Comment (2026-02-27): Accepted as is.
     02/27/2026 2 A A A A A A     B B   NY Primary Refinance - Cash-out - Other   C A C A A A A A   Exempt from ATR No
XXXXXX 4000115456 XXXXXX   XXXXXX     Credit Loan Package Documentation Application / Processing Missing Document  Missing Document: Tax Certificate not provided           Reviewer Comment (2026-03-12): Received Tax Certificate. Exception cleared.


Seller Comment (2026-03-12): Comment from XXXX (XXXX): Please see attached
 03/12/2026     1 C A C A C A C A C A   NY Primary Refinance - Cash-out - Other   C A C A A A A A   Exempt from ATR No
XXXXXX 4000114183 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided. The provided CU and/or LCA do not provide relief. Sec ID: 138           Reviewer Comment (2026-03-11): Received, Clearing.


Seller Comment (2026-03-11): Comment from XXXX (XXXX): Please see attached 2nd AVM.
 03/11/2026     1 D A A A D A   A D A   CA Primary Refinance - Cash-out - Other   D A A A A A D A   Exempt from ATR No
XXXXXX 4000112962 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-02-27): Accepted as is.
     02/27/2026 2 A A A A A A     B B   WA Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000112962 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___ Loan is to be securitized. AVM was provided, with no CU or LCA.       Reviewer Comment (2026-02-27): Accepted as is based on meeting three RAs requirements
       1 N/A N/A A A N/A N/A     N/A N/A   WA Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000115918 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-02-27): Accepted as is based on meeting three RAs requirements
       1 N/A N/A A A N/A N/A     N/A N/A   VA Primary Refinance - Cash-out - Other   B B A A B B A A   Exempt from ATR No
XXXXXX 4000115918 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-02-27): Accepted as is.
     02/27/2026 2 A A A A A A     B B   VA Primary Refinance - Cash-out - Other   B B A A B B A A   Exempt from ATR No
XXXXXX 4000115918 XXXXXX   XXXXXX     Compliance Compliance Federal Compliance Cross Collateralized Cross Collateralized Mortgage Loan There are multiple properties securing the repayment of this loan. (Cross collateralized)  The property evaluated for the compliance review is based on occupancy type and then based on the property with the highest value. There are multiple properties securing the repayment of this loan. (Cross collateralized) The property evaluated for the compliance review is based on occupancy type and then based on the property with the highest value.       Reviewer Comment (2026-02-27): Accepted as is.
     02/27/2026 2 B B B B B B B B B B   VA Primary Refinance - Cash-out - Other   B B A A B B A A   Exempt from ATR No
XXXXXX 4000114378 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___ One valuation was provided, with no CU or LCA.       Reviewer Comment (2026-02-27): Accepted as is based on meeting three RAs requirements
       1 N/A N/A A A N/A N/A     N/A N/A   CA Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000114378 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-02-27): Accepted as is.
     02/27/2026 2 A A A A A A     B B   CA Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000116759 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-02-27): Accepted as is.
     02/27/2026 2 A A A A A A     B B   MO Primary Refinance - Cash-out - Other   C A C A A A A A   Exempt from ATR No
XXXXXX 4000116759 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___ One valuation was provided, with no CU or LCA.       Reviewer Comment (2026-02-27): Accepted as is based on meeting two RAs requirements
       1 N/A N/A A A N/A N/A     N/A N/A   MO Primary Refinance - Cash-out - Other   C A C A A A A A   Exempt from ATR No
XXXXXX 4000116759 XXXXXX   XXXXXX     Credit Insurance Insurance Analysis Insurance Insufficient Coverage: Hazard insurance coverage amount is insufficient.   Hazard coverage of $XXXX sufficient to cover the mortgage amount of $XXXX however is insufficient to cover the estimated cost new of $XXXX. please provide a letter from the Insurer stating the maximum insurable amount and/or a replacement costs estimator from the insurer. Coverage shortfall is $XXXX.       Reviewer Comment (2026-03-16): Property type is PUD Attached. Received master policy. Exception cleared.


Buyer Comment (2026-03-16): Comment from XXXX (XXXX): Master insurance is included. Please see page 323-325
 03/16/2026     1 C A C A C A C A C A   MO Primary Refinance - Cash-out - Other   C A C A A A A A   Exempt from ATR No
XXXXXX 4000112688 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-02-27): Accepted as is.
     02/27/2026 2 A A A A A A     B B   NC Primary Refinance - Cash-out - Other   B B A A A A B B   Exempt from ATR No
XXXXXX 4000116852 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___ Loan is to be securitized. One valuation was provided, with no CU or LCA.       Reviewer Comment (2026-02-27): Accepted as is based on meeting two RAs requirements
       1 N/A N/A A A N/A N/A     N/A N/A   AZ Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000116852 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___ Loan is to be securitized. One valuation  was provided with an effective date between application date and note date.       Reviewer Comment (2026-02-27): Accepted as is.
     02/27/2026 2 A A A A A A     B B   AZ Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000114032 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___ One valuation was provided, with no CU or LCA.       Reviewer Comment (2026-02-27): Accepted as is based on meeting three RAs requirements
       1 N/A N/A A A N/A N/A     N/A N/A   MD Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000114032 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-02-27): Accepted as is.
     02/27/2026 2 A A A A A A     B B   MD Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000113843 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-02-27): Accepted as is.
     02/27/2026 2 A A A A A A     B B   CA Primary Refinance - Cash-out - Other   B B A A A A B B   Exempt from ATR No
XXXXXX 4000110166 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-03-02): Accepted as is.
     03/02/2026 2 A A A A A A     B B   OR Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000110166 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-03-02): Accepted as is based on meeting three RAs requirements
       1 N/A N/A A A N/A N/A     N/A N/A   OR Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000114876 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___ One valuation was provided, with no CU or LCA.       Reviewer Comment (2026-06-01): Accepted as is.


Reviewer Comment (2026-06-01): .


Reviewer Comment (2026-03-02): Accepted as is based on meeting two RAs requirements
     06/01/2026 1 N/A N/A A A N/A N/A     N/A N/A   WA Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000114876 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-03-02): Accepted as is.
     03/02/2026 2 A A A A A A     B B   WA Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000113445 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___ XXXX AVM is dated XXXX. The Application date is XXXX. The Note Date is XXXX.       Reviewer Comment (2026-02-27): Accepted as is.
     02/27/2026 2 A A A A A A     B B   VA Second Home Refinance - Cash-out - Other   B B A A A A B B   Exempt from ATR No
XXXXXX 4000114916 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-03-02): Accepted as is based on meeting two RAs requirements
       1 N/A N/A A A N/A N/A     N/A N/A   CA Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000114916 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-03-02): Accepted as is.
     03/02/2026 2 A A A A A A     B B   CA Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000113381 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-03-02): Accepted as is based on meeting three RAs requirements
       1 N/A N/A A A N/A N/A     N/A N/A   NC Primary Refinance - Cash-out - Other   B B A A B B A A   Exempt from ATR No
XXXXXX 4000113381 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-03-02): Accepted as is.
     03/02/2026 2 A A A A A A     B B   NC Primary Refinance - Cash-out - Other   B B A A B B A A   Exempt from ATR No
XXXXXX 4000113381 XXXXXX   XXXXXX     Compliance Compliance Federal Compliance Cross Collateralized Cross Collateralized Mortgage Loan There are multiple properties securing the repayment of this loan. (Cross collateralized)  The property evaluated for the compliance review is based on occupancy type and then based on the property with the highest value. There are multiple properties securing the repayment of this loan. (Cross collateralized) The property evaluated for the compliance review is based on occupancy type and then based on the property with the highest value.       Reviewer Comment (2026-03-02): Accepted as is.
     03/02/2026 2 B B B B B B B B B B   NC Primary Refinance - Cash-out - Other   B B A A B B A A   Exempt from ATR No
XXXXXX 4000111676 XXXXXX   XXXXXX     Credit Title Document Error Title The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided.   The preliminary title policy is within XXXX and does not reflect a coverage amount (no final title policy in file).       Reviewer Comment (2026-03-02): Accepted as is.
     03/02/2026 2 B B B B B B B B B B   CA Primary Refinance - Cash-out - Other   B B B B A A A A   Exempt from ATR No
XXXXXX 4000111676 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___ Loan is to be securitized. One valuation was provided, with no CU or LCA.       Reviewer Comment (2026-03-02): Accepted as is based on meeting three RAs requirements
       1 N/A N/A A A N/A N/A     N/A N/A   CA Primary Refinance - Cash-out - Other   B B B B A A A A   Exempt from ATR No
XXXXXX 4000111676 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___ Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date.       Reviewer Comment (2026-03-02): Accepted as is.
     03/02/2026 2 A A A A A A     B B   CA Primary Refinance - Cash-out - Other   B B B B A A A A   Exempt from ATR No
XXXXXX 4000111676 XXXXXX   XXXXXX     Credit Insurance Insurance Analysis Insurance Hazard Insurance Policy expires within 90 days of the Note Date. Hazard Insurance Policy Expiration Date ___, Note Date ___ Hazard Insurance is due within 3 months from Note Date       Reviewer Comment (2026-03-02): Accepted as is.
     03/02/2026 2 B B B B B B B B B B   CA Primary Refinance - Cash-out - Other   B B B B A A A A   Exempt from ATR No
XXXXXX 4000115919 XXXXXX   XXXXXX     Credit Loan Package Documentation Application / Processing Loan Package Documentation 1003/Declarations:  F. Are you a co-signer or guarantor on any debt or loan that is not disclosed on this application? reflects Yes.  Missing  documented and/or does not meet guideline requirements. - 1003/Declarations: F. Are you a co-signer or guarantor on any debt or loan that is not disclosed on this application? was entered Yes. Review data entry and guidelines.       Reviewer Comment (2026-03-16): Received 1003 confirms the Borrower 1 checked "No" on Question F Declarations Section that reads, Are you co-signor or guarantor on any debt or loan that is not disclosed on this application?. Exception cleared.


Seller Comment (2026-03-16): Comment from XXXX (XXXX): Please see updated 1003
 03/16/2026     1 C A C A C A C A C A   OH Investment Refinance - Cash-out - Other   C B C A B B A A   Exempt from ATR No
XXXXXX 4000115919 XXXXXX   XXXXXX     Compliance Compliance Federal Compliance ECOA ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation.       Reviewer Comment (2026-03-02): Accepted as is.
     03/02/2026 2 B B B B B B B B B B   OH Investment Refinance - Cash-out - Other   C B C A B B A A   Exempt from ATR No
XXXXXX 4000115919 XXXXXX   XXXXXX     Compliance Compliance Federal Compliance ECOA ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation.       Reviewer Comment (2026-03-02): Accepted as is.
     03/02/2026 2 B B B B B B B B B B   OH Investment Refinance - Cash-out - Other   C B C A B B A A   Exempt from ATR No
XXXXXX 4000116080 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___ Secondary valuation not required in Heloc Second lien file .       Reviewer Comment (2026-03-02): Accepted as is based on meeting three RAs requirements
       1 N/A N/A A A N/A N/A     N/A N/A   MI Primary Refinance - Cash-out - Other   C A C A A A A A   Exempt from ATR No
XXXXXX 4000116080 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___ Secondary valuation not required in Heloc Second lien file .       Reviewer Comment (2026-03-02): Accepted as is.
     03/02/2026 2 A A A A A A     B B   MI Primary Refinance - Cash-out - Other   C A C A A A A A   Exempt from ATR No
XXXXXX 4000116080 XXXXXX   XXXXXX     Credit Insurance Insurance Analysis Insurance Insufficient Coverage: Hazard insurance coverage amount is insufficient.   The hazard insurance coverage amount is insufficient, however, the Replacement cost estimator is not provided in the file.       Reviewer Comment (2026-03-17): Received Replacement Cost Estimator and the shortfall is covered. Exception cleared.


Seller Comment (2026-03-17): Comment from XXXX (XXXX): Please see attached
 03/17/2026     1 C A C A C A C A C A   MI Primary Refinance - Cash-out - Other   C A C A A A A A   Exempt from ATR No
XXXXXX 4000113126 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___ Loan is to be securitized. One valuation was provided, with no CU or LCA       Reviewer Comment (2026-03-02): Accepted as is based on meeting three RAs requirements
       1 N/A N/A A A N/A N/A     N/A N/A   NJ Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000113126 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___ Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date       Reviewer Comment (2026-03-02): Accepted as is.
     03/02/2026 2 A A A A A A     B B   NJ Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000114412 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___ Secondary valuation not required in Heloc Second lien file .       Reviewer Comment (2026-03-02): Accepted as is.
     03/02/2026 2 A A A A A A     B B   CA Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000114412 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___ Secondary valuation not required in Heloc Second lien file .       Reviewer Comment (2026-03-02): Accepted as is based on meeting three RAs requirements
       1 N/A N/A A A N/A N/A     N/A N/A   CA Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000113414 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-03-02): Accepted as is.
     03/02/2026 2 A A A A A A     B B   HI Investment Refinance - Cash-out - Other   B B A A A A B B   Exempt from ATR No
XXXXXX 4000116777 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-03-02): Accepted as is based on meeting two RAs requirements
       1 N/A N/A A A N/A N/A     N/A N/A   RI Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000116777 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-03-02): Accepted as is.
     03/02/2026 2 A A A A A A     B B   RI Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000111120 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 372 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-03-02): Accepted as is.
     03/02/2026 2 B B A A A A     A A   LA Primary Refinance - Cash-out - Other   D D C A B B D D   Exempt from ATR No
XXXXXX 4000111120 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 180 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-03-02): Accepted as is based on meeting three RAs requirements
       3 N/A N/A A A N/A N/A     D D   LA Primary Refinance - Cash-out - Other   D D C A B B D D   Exempt from ATR No
XXXXXX 4000111120 XXXXXX   XXXXXX     Credit Loan Package Documentation Application / Processing Loan Package Documentation FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected.           Reviewer Comment (2026-03-05): Received, Clearing.
 03/05/2026     1 C A C A C A C A C A   LA Primary Refinance - Cash-out - Other   D D C A B B D D   Exempt from ATR No
XXXXXX 4000111120 XXXXXX   XXXXXX     Compliance Compliance Federal Compliance ECOA ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. Verification appraisal was delivered to borrower was not provided.       Reviewer Comment (2026-03-02): Accepted as is.
     03/02/2026 2 B B B B B B B B B B   LA Primary Refinance - Cash-out - Other   D D C A B B D D   Exempt from ATR No
XXXXXX 4000111120 XXXXXX   XXXXXX     Compliance Compliance Federal Compliance TILA Truth in Lending Act (HELOC): Fee amounts for testing were sourced from one or more fee documents in file containing higher amounts than that reflected on HELOC Agreement. Truth in Lending Act (HELOC): Fee amounts were sourced from multiple disclosures containing higher amounts than that reflected on HELOC Agreement.         Reviewer Comment (2026-03-02): Accepted as is.
     03/02/2026 2 A A A A A A A A A A   LA Primary Refinance - Cash-out - Other   D D C A B B D D   Exempt from ATR No
XXXXXX 4000111120 XXXXXX   XXXXXX     Property Valuation General Valuation Valuation Product pending   XXXX / Post Disaster Inspection + XXXX - XXXX       Reviewer Comment (2026-03-05): Received, Clearing.


Reviewer Comment (2026-03-05): Valuation Received -XXXX
 03/05/2026     1   A   A   A   A   A   LA Primary Refinance - Cash-out - Other   D D C A B B D D   Exempt from ATR No
XXXXXX 4000114764 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-03-02): Accepted as is based on meeting two RAs requirements
       1 N/A N/A A A N/A N/A     N/A N/A   CA Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000114764 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-03-02): Accepted as is.
     03/02/2026 2 A A A A A A     B B   CA Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000116805 XXXXXX   XXXXXX     Credit Loan Package Documentation Closing / Title Missing Document  Missing Document: Security Instrument - Subject Lien not provided           Reviewer Comment (2026-03-21): Received, Clearing.


Seller Comment (2026-03-20): Comment from XXXX (XXXX): MTG
 03/21/2026     1 D A D A D A D A D A   OH Primary Refinance - Cash-out - Other   D A D A A A A A   Exempt from ATR No
XXXXXX 4000116108 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-03-02): Accepted as is.
     03/02/2026 2 A A A A A A     B B   VA Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000116108 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-03-02): Accepted as is based on meeting two RAs requirements
       1 N/A N/A A A N/A N/A     N/A N/A   VA Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000117908 XXXXXX   XXXXXX     Credit Credit Credit Documentation Credit No evidence of fraud report in file - Fraud Report missing in file       Reviewer Comment (2026-03-05): Fraud report provided. Cleared.


Seller Comment (2026-03-05): Comment from XXXX (XXXX): XXXX: Please see attached Fraud Report.
 03/05/2026     1 C A C A C A C A C A   CA Primary Refinance - Cash-out - Other   C B C A A A B B   Exempt from ATR No
XXXXXX 4000117908 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-03-02): Accepted as is.
     03/02/2026 2 A A A A A A     B B   CA Primary Refinance - Cash-out - Other   C B C A A A B B   Exempt from ATR No
XXXXXX 4000117908 XXXXXX   XXXXXX     Credit Loan Package Documentation Application / Processing Missing Document  Missing Document: Fraud Report not provided   Fraud Report missing in file       Reviewer Comment (2026-03-05): Fraud report provided. Cleared.


Seller Comment (2026-03-05): Comment from XXXX (XXXX): XXXX: Please see attached Fraud Report.
 03/05/2026     1 C A C A C A C A C A   CA Primary Refinance - Cash-out - Other   C B C A A A B B   Exempt from ATR No
XXXXXX 4000117908 XXXXXX   XXXXXX     Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Guideline Requirement: Investor qualifying total debt ratio discrepancy.   Calculated investor qualifying total debt ratio of XXXX% exceeds Guideline total debt ratio of XXXX%.       Reviewer Comment (2026-03-05): Received, Clearing.


Seller Comment (2026-03-05): Comment from XXXX (XXXX): XXXX: Please see attached and note that the XXXX XXXX installment liabilities are being excluded as paid by the business. History of 12 months payments are attached.
 03/05/2026     1 C A C A C A C A C A   CA Primary Refinance - Cash-out - Other   C B C A A A B B   Exempt from ATR No
XXXXXX 4000117951 XXXXXX   XXXXXX     Credit Title Document Error Title The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided.           Reviewer Comment (2026-03-02): Accepted as is.
     03/02/2026 2 B B B B B B B B B B   CA Primary Refinance - Cash-out - Other   C B B B C A A A   Exempt from ATR No
XXXXXX 4000117951 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-03-02): Accepted as is based on meeting three RAs requirements
       1 N/A N/A A A N/A N/A     N/A N/A   CA Primary Refinance - Cash-out - Other   C B B B C A A A   Exempt from ATR No
XXXXXX 4000117951 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-03-02): Accepted as is.
     03/02/2026 2 A A A A A A     B B   CA Primary Refinance - Cash-out - Other   C B B B C A A A   Exempt from ATR No
XXXXXX 4000117951 XXXXXX   XXXXXX     Compliance Compliance Federal Compliance TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act:  Subject loan transaction disbursed onXXXX, prior to three (3) business days from transaction date of XXXX. Subject loan transaction disbursed on XXXX, prior to three (3) business days from transaction date of XXXX
Remove/Clear Exceptions		       Reviewer Comment (2026-03-12): Received, Clearing.


Seller Comment (2026-03-11): Comment from XXXX (XXXX): XXXX: Please see the attached, reflecting a disbursement date of XXXX
 03/12/2026     1 C A C A C A C A C A   CA Primary Refinance - Cash-out - Other TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C B B B C A A A   Exempt from ATR Yes
XXXXXX 4000117268 XXXXXX   XXXXXX     Compliance Compliance Federal Compliance TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act:  Subject loan transaction disbursed on XXXX, prior to three (3) business days from transaction date of XXXX.         Reviewer Comment (2026-03-12): Received, Clearing.


Seller Comment (2026-03-11): Comment from XXXX (XXXX): XXXX: Please see the attached, reflecting a disbursement date of XXXX
 03/12/2026     1 C A C A C A C A C A   CA Primary Refinance - Cash-out - Other TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C A A A C A A A   Exempt from ATR Yes
XXXXXX 4000117710 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___ XXXX AVM by XXXX in file. CU or LCA not provided.       Reviewer Comment (2026-03-02): Accepted as is.
     03/02/2026 2 A A A A A A     B B   CA Investment Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000117710 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___ XXXX AVM by XXXX in file. CU or LCA not provided.       Reviewer Comment (2026-03-02): Accepted as is based on meeting three RAs requirements
       1 N/A N/A A A N/A N/A     N/A N/A   CA Investment Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000116163 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___ Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date.       Reviewer Comment (2026-03-03): Accepted as is.
     03/03/2026 2 A A A A A A     B B   CA Second Home Refinance - Cash-out - Other   B B A A A A B B   Exempt from ATR No
XXXXXX 4000115440 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___ Secondary valuation not required in Heloc Second lien file .       Reviewer Comment (2026-03-03): Accepted as is.
     03/03/2026 2 A A A A A A     B B   MA Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000115440 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___ Secondary valuation not required in Heloc Second lien file .       Reviewer Comment (2026-03-03): Accepted as is based on meeting two RAs requirements
       1 N/A N/A A A N/A N/A     N/A N/A   MA Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000116456 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-03-03): Accepted as is based on meeting three RAs requirements.
       1 N/A N/A A A N/A N/A     N/A N/A   NY Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000116456 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-03-03): Accepted as is.
     03/03/2026 2 A A A A A A     B B   NY Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000107949 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___ Full 1025 Appraisal in file. CU or LCA not provided.       Reviewer Comment (2026-03-03): Accepted as is based on meeting three RAs requirements
       1 N/A N/A A A N/A N/A     N/A N/A   CA Investment Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000116589 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-03-03): Accepted as is.
     03/03/2026 2 A A A A A A     B B   CA Primary Refinance - Cash-out - Other   B B A A A A B B   Exempt from ATR No
XXXXXX 4000117243 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-03-03): Accepted as is.
     03/03/2026 2 A A A A A A     B B   FL Second Home Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000117243 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___ Loan is to be securitized. AVM was provided, with no CU or LCA.       Reviewer Comment (2026-03-03): Accepted as is based on meeting three RAs requirements
       1 N/A N/A A A N/A N/A     N/A N/A   FL Second Home Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000116140 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-03-03): Accepted as is.
     03/03/2026 2 A A A A A A     B B   MI Investment Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000116140 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-03-03): Accepted as is based on meeting three RAs requirements
       1 N/A N/A A A N/A N/A     N/A N/A   MI Investment Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000114995 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-03-04): Accepted as is based on meeting two RAs requirements
       1 N/A N/A A A N/A N/A     N/A N/A   UT Investment Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000114995 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-03-04): Accepted as is.
     03/04/2026 2 A A A A A A     B B   UT Investment Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000116722 XXXXXX   XXXXXX     Credit Legal / Regulatory / Compliance Title / Lien Defect Legal / Regulatory / Compliance Final Title Policy is missing. No evidence of title in file.   Title policy is missing.       Reviewer Comment (2026-03-19): Received Title Evidence. Exception cleared.


Seller Comment (2026-03-19): Comment from XXXX (XXXX): XXXX please see Ownership and Encumbrance report for HELOC standalone and accepted as per the guideline, please clear thank you


Reviewer Comment (2026-03-04): Received O&E report, it contains only vesting Information & Legal Description. Exception remains.


Seller Comment (2026-03-04): Comment from XXXX (XXXX): XXXX please see attached O&E report, which is only required for a HELOC standalone loan, please clear thank you
 03/19/2026     1 C A C A C A C A C A   NY Primary Refinance - Cash-out - Other   D A C A A A D A   Exempt from ATR No
XXXXXX 4000116722 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided. The provided CU and/or LCA do not provide relief. Sec ID: 138   1004 Valuation in file. CU or LCA not provided.       Reviewer Comment (2026-03-09): AVM, cleared


Seller Comment (2026-03-09): Comment from XXXX (XXXX):XXXX: Please see attached.
 03/09/2026     1 D A A A D A   A D A   NY Primary Refinance - Cash-out - Other   D A C A A A D A   Exempt from ATR No
XXXXXX 4000116528 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___ Secondary valuation not required in Heloc Second lien file .       Reviewer Comment (2026-03-04): Accepted as is.
     03/04/2026 2 A A A A A A     B B   OH Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000116528 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___ Secondary valuation not required in Heloc Second lien file .       Reviewer Comment (2026-03-04): Accepted as is based on meeting two RAs requirements
       1 N/A N/A A A N/A N/A     N/A N/A   OH Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000116782 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___ Loan is to be securitized. One valuation was provided, with no CU or LCA.       Reviewer Comment (2026-03-03): Accepted as is based on meeting two RAs requirements
       1 N/A N/A A A N/A N/A     N/A N/A   NC Primary Refinance - Cash-out - Other   C A C A A A A A   Exempt from ATR No
XXXXXX 4000116782 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___ Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date.       Reviewer Comment (2026-03-03): Accepted as is.
     03/03/2026 2 A A A A A A     B B   NC Primary Refinance - Cash-out - Other   C A C A A A A A   Exempt from ATR No
XXXXXX 4000116782 XXXXXX   XXXXXX     Credit Guideline Guideline Issue Guideline Borrower has been on current job less than 2 years, and prior employment history was not documented as required. - The prior employment was not verified as required. Provide W-2, WVOE, to verify.       Reviewer Comment (2026-04-05): Received VVOE and Form 1099 to verify prior employment. Exception cleared.


Seller Comment (2026-04-03): Comment from XXXX (XXXX): Please note that XXXX see article attached
 04/05/2026     1 C A C A C A C A C A   NC Primary Refinance - Cash-out - Other   C A C A A A A A   Exempt from ATR No
XXXXXX 4000114484 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-03-04): Accepted as is based on meeting three RAs requirements.
       1 N/A N/A A A N/A N/A     N/A N/A   MI Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000114484 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-03-04): Accepted as is.
     03/04/2026 2 A A A A A A     B B   MI Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000114278 XXXXXX   XXXXXX     Credit Insurance Insurance Analysis Insurance Insufficient Coverage: Hazard insurance coverage amount is insufficient.   File did not contain an estimated cost to replace from the insurer.  Calculations are based on XXXX % of the insurable value of the improvements (from appraiser cost provided or if no appraiser cost the purchase price) using agency calculation methods.  Coverage is insufficient at $XXXX. Coverage does not cover the UPB of 1st and 2nd liens.       Reviewer Comment (2026-03-09): Received RCE. Exception cleared.


Seller Comment (2026-03-09): Comment from XXXX (XXXX):XXXX - XXXX: Please see attached.
 03/09/2026     1 C A C A C A C A C A   VA Primary Refinance - Cash-out - Other   C A C A A A A A   Exempt from ATR No
XXXXXX 4000114278 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___ XXXX AVM in file. CU or LCA not provided.       Reviewer Comment (2026-03-05): Accepted as is based on meeting three or more RAs requirements.
       1 N/A N/A A A N/A N/A     N/A N/A   VA Primary Refinance - Cash-out - Other   C A C A A A A A   Exempt from ATR No
XXXXXX 4000114278 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___ XXXX AVM is dated XXXX. The Application date is XXXX. The Note date is XXXX.       Reviewer Comment (2026-03-04): Accepted as is.
     03/04/2026 2 A A A A A A     B B   VA Primary Refinance - Cash-out - Other   C A C A A A A A   Exempt from ATR No
XXXXXX 4000116719 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___ XXXX AVM dated XXXX. The Application date is XXXX. The Note date is XXXX       Reviewer Comment (2026-03-04): Accepted as is.
     03/04/2026 2 A A A A A A     B B   CA Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000116719 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___ XXXX AVM dated XXXX in file. CU or LCA not provided.       Reviewer Comment (2026-03-04): Accepted as is based on meeting three RAs requirements
       1 N/A N/A A A N/A N/A     N/A N/A   CA Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000116220 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-03-03): Accepted as is based on meeting three RAs requirements
       1 N/A N/A A A N/A N/A     N/A N/A   AZ Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000116220 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-03-03): Accepted as is.
     03/03/2026 2 A A A A A A     B B   AZ Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000113578 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___ 1004 Valuation in file. CU or LCA not provided.       Reviewer Comment (2026-03-04): Accepted as is based on meeting two RAs requirements
       1 N/A N/A A A N/A N/A     N/A N/A   CA Investment Refinance - Cash-out - Other   C A C A A A A A   Exempt from ATR No
XXXXXX 4000113578 XXXXXX   XXXXXX     Credit Title Document Error Title The Preliminary/Commitment does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided.   Preliminary Title Report does not list coverage amount.       Reviewer Comment (2026-03-06): Received Title Preliminary. Exception cleared.


Seller Comment (2026-03-06): Comment from XXXX (XXXX): Title Commitment
 03/06/2026     1 C A C A C A C A C A   CA Investment Refinance - Cash-out - Other   C A C A A A A A   Exempt from ATR No
XXXXXX 4000109481 XXXXXX   XXXXXX     Credit Title General Title Title Policy Coverage is less than Original Loan Amount. The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. The Title Policy Amount of XXXX is less than the note amount of $XXXX based on the Commitment in file.       Reviewer Comment (2026-03-03): Accepted as is.
     03/03/2026 2 B B B B B B B B B B   ME Primary Refinance - Cash-out - Other   D D B B A A D D   Exempt from ATR No
XXXXXX 4000109481 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 180 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-03-03): Accepted as is based on meeting three RAs requirements
       3 N/A N/A A A N/A N/A     D D   ME Primary Refinance - Cash-out - Other   D D B B A A D D   Exempt from ATR No
XXXXXX 4000109481 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 372 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-03-03): Accepted as is.
     03/03/2026 2 B B A A A A     A A   ME Primary Refinance - Cash-out - Other   D D B B A A D D   Exempt from ATR No
XXXXXX 4000116143 XXXXXX   XXXXXX     Credit Borrower and Mortgage Eligibility Mortgage / Program Eligibility Borrower and Mortgage Eligibility Guideline Requirement: Combined High loan to value discrepancy.           Reviewer Comment (2026-03-16): The first-lien current balance has been updated from recent credit report obtained prior to closing. Hence CLTV and HCLTV is within guideline limit. Exception cleared.


Buyer Comment (2026-03-16): Comment from XXXX (XXXX): Please provide your calculation
 03/16/2026     1 C A C A C A C A C A   IL Investment Refinance - Cash-out - Other   C A C A A A A A   Exempt from ATR No
XXXXXX 4000116143 XXXXXX   XXXXXX     Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Guideline Requirement: Combined loan to value discrepancy.           Reviewer Comment (2026-03-18): The first-lien current balance has been updated from recent credit report obtained prior to closing. Hence LTV is within guideline limit. Exception cleared.


Buyer Comment (2026-03-18): Comment from XXXX (XXXX): Please update the first-lien current balance from recent credit report obtained prior to closing, please waive
 03/18/2026     1 C A C A C A C A C A   IL Investment Refinance - Cash-out - Other   C A C A A A A A   Exempt from ATR No
XXXXXX 4000116143 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___ 2055 Valuation in file. CU or LCA not provided.       Reviewer Comment (2026-03-03): Accepted as is based on meeting three RAs requirements.
       1 N/A N/A A A N/A N/A     N/A N/A   IL Investment Refinance - Cash-out - Other   C A C A A A A A   Exempt from ATR No
XXXXXX 4000116143 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___ 2055 is dated XXXX . The Application date is XXXX . The Note date is XXXX       Reviewer Comment (2026-03-03): Accepted as is.
     03/03/2026 2 A A A A A A     B B   IL Investment Refinance - Cash-out - Other   C A C A A A A A   Exempt from ATR No
XXXXXX 4000115647 XXXXXX   XXXXXX     Compliance Loan Package Documentation Application / Processing Missing, Incorrect, or Incomplete Final or Initial 1003 Missing Document: Missing Lender's Initial 1003   Available Initial 1003 is not related to subject property.       Reviewer Comment (2026-03-04): Accepted as is.
     03/04/2026 2 B B B B B B B B B B   CA Investment Refinance - Cash-out - Other   B B A A B B A A   Exempt from ATR No
XXXXXX 4000115647 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___ Loan is to be securitized. One valuation was provided, with no CU or LCA.       Reviewer Comment (2026-03-04): Accepted as is based on meeting two RAs requirements
       1 N/A N/A A A N/A N/A     N/A N/A   CA Investment Refinance - Cash-out - Other   B B A A B B A A   Exempt from ATR No
XXXXXX 4000115647 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___ Loan is to be securitized. One valuation  was provided with an effective date between application date and note date.       Reviewer Comment (2026-03-04): Accepted as is.
     03/04/2026 2 A A A A A A     B B   CA Investment Refinance - Cash-out - Other   B B A A B B A A   Exempt from ATR No
XXXXXX 4000116739 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-03-04): Accepted as is.
     03/04/2026 2 A A A A A A     B B   MI Primary Refinance - Cash-out - Other   B B A A A A B B   Exempt from ATR No
XXXXXX 4000116750 XXXXXX   XXXXXX     Credit Loan Package Documentation Application / Processing Missing Document  Missing Document: Fraud Report not provided           Reviewer Comment (2026-03-04): Received Fraud Report. Exception cleared.


Seller Comment (2026-03-04): Comment from XXXX (XXXX): Please see attached Fraud Report
 03/04/2026     1 C A C A C A C A C A   NJ Primary Refinance - Cash-out - Other   C B C A C B A A   Exempt from ATR No
XXXXXX 4000116750 XXXXXX   XXXXXX     Compliance Compliance Federal Compliance ECOA ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. (Type:PrimaryXXXX       Reviewer Comment (2026-03-04): Accepted as is.
     03/04/2026 2 B B B B B B B B B B   NJ Primary Refinance - Cash-out - Other   C B C A C B A A   Exempt from ATR No
XXXXXX 4000116750 XXXXXX   XXXXXX     Compliance Compliance Federal Compliance ECOA ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. (Type:PrimaryXXXX       Reviewer Comment (2026-03-04): Accepted as is.
     03/04/2026 2 B B B B B B B B B B   NJ Primary Refinance - Cash-out - Other   C B C A C B A A   Exempt from ATR No
XXXXXX 4000116750 XXXXXX   XXXXXX     Compliance Compliance Federal Compliance TILA Truth in Lending Act (HELOC): Fees on HELOC Agreement underdisclosed Truth in Lending Act (HELOC): Fees on HELOC Agreement underdisclosed from Line of Credit Closing Statement (Loan Origination Fee) Fees on HELOC Agreement underdisclosed from Line of Credit Closing Statement (Loan Origination Fee, Loan Discount Fee)       Reviewer Comment (2026-03-10): Received, Clearing.


Reviewer Comment (2026-03-10): EXCEPTION HISTORY - Exception Detail was updated on XXXX PRIOR Exception Detail: Truth in Lending Act (HELOC): Fees on HELOC Agreement underdisclosed from Line of Credit Closing Statement (Loan Origination Fee, Loan Discount Fee)


Reviewer Comment (2026-03-09): Based on the provided Undiscounted Interest Rate of XXXX% and the Undiscounted Interest Rate Price of XXXX% the discount points are not bona fide.

The below explains how and why the discount points are bona fide.
Up to two discount points are eligible for exclusion if the undiscounted rate does not exceed the APOR by more than XXXX%. However, the discount points must also pass the "bona fide" test, which takes into account the borrower's rate reduction vs. amount paid to reduce the rate.

 

A discount point is "bona fide" if it reduces the consumer's interest rate by an amount that reflects established industry practices, such as secondary mortgage market norms (XXXX defaults to XXXX% and the client selected default setting for this deal is also XXXX%).


Seller Comment (2026-03-09): Comment from XXXX (XXXX): Please see attached Rate Sheet.


Reviewer Comment (2026-03-05): Please provide the undiscounted rate and undiscounted rate price to test discount points for bona fide.


Seller Comment (2026-03-04): Comment from XXXX (XXXX): Please see attached.
 03/10/2026     1 C A C A C A C A C A   NJ Primary Refinance - Cash-out - Other Provide the following: Letter of Explanation notifying borrower of the error and providing correct information, Proof of Delivery, Refund check for under-disclosed amount, and Re-open Rescission if applicable. C B C A C B A A   Exempt from ATR Yes
XXXXXX 4000116750 XXXXXX   XXXXXX     Compliance Compliance Federal Compliance TILA Truth in Lending Act (HELOC): Fee amounts for testing were sourced from one or more fee documents in file containing higher amounts than that reflected on HELOC Agreement. Truth in Lending Act (HELOC): Fee amounts were sourced from multiple disclosures containing higher amounts than that reflected on HELOC Agreement. Fee amounts were sourced from multiple disclosures containing higher amounts than that reflected on HELOC Agreement.       Reviewer Comment (2026-03-04): Accepted as is.
     03/04/2026 2 A A A A A A A A A A   NJ Primary Refinance - Cash-out - Other   C B C A C B A A   Exempt from ATR No
XXXXXX 4000116750 XXXXXX   XXXXXX     Compliance Compliance Federal Compliance TILA Federal HELOC Ability to Repay Test Truth in Lending Act (HELOC):  File does not contain evidence that analysis of borrower's ability to repay was performed based on verified income, obligations, assets, and/or employment using PITI payment and based on combined payments of all loans secured by subject property, if applicable. File does not contain evidence that analysis of borrower's ability to repay was performed based on verified income, obligations, assets, and/or employment using PITI payment and based on combined payments of all loans secured by subject property, if applicable.       Reviewer Comment (2026-03-10): Received, Clearing.


Reviewer Comment (2026-03-05): Please provide the undiscounted rate and undiscounted rate price to test discount points for bona fide.


Seller Comment (2026-03-04): Comment from XXXX (XXXX): Please see attached.
 03/10/2026     1 C A C A C A C A C A   NJ Primary Refinance - Cash-out - Other   C B C A C B A A   Exempt from ATR No
XXXXXX 4000116750 XXXXXX   XXXXXX     Compliance Legal / Regulatory / Compliance Anti-Predatory Violation Federal Defect (Fed High Cost Disclosure) Federal High-Cost Mortgage Loan (Notice to Assignee) Truth in Lending Act (HOEPA): Required Statement was not provided to purchaser or assignee for loan that was sold or assigned. (Note: This notice only applies when selling or assigning a HOEPA loan and may not be found in the file for loans that have not been previously sold) Required Statement was not provided to purchaser or assignee for loan that was sold or assigned. (Note: This notice only applies when selling or assigning a HOEPA loan and may not be found in the file for loans that have not been previously sold)       Reviewer Comment (2026-03-10): Received, Clearing.
 03/10/2026     1 C A C A C A C A C A   NJ Primary Refinance - Cash-out - Other   C B C A C B A A   Exempt from ATR No
XXXXXX 4000116750 XXXXXX   XXXXXX     Compliance Legal / Regulatory / Compliance Anti-Predatory Violation Federal Defect (Fed High Cost Disclosure) Federal High-Cost Mortgage Loan (Amount Borrowed Inaccurate > $100) High-Cost Mortgage (Dodd-Frank 2014) Non-Compliant: HOEPA Disclosure reflects 'Amount Borrowed' outside of $XXXX tolerance. Non-Compliant: HOEPA Disclosure reflects 'Amount Borrowed' outside of $XXXX tolerance.       Reviewer Comment (2026-03-10): Received, Clearing.


Reviewer Comment (2026-03-05): Please provide the undiscounted rate and undiscounted rate price to test discount points for bona fide.


Seller Comment (2026-03-04): Comment from XXXX (XXXX): Please see attached.
 03/10/2026     1 C A C A C A C A C A   NJ Primary Refinance - Cash-out - Other   C B C A C B A A   Exempt from ATR No
XXXXXX 4000116750 XXXXXX   XXXXXX     Compliance Legal / Regulatory / Compliance Anti-Predatory Violation Federal Defect (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Financed Points and Fees) Truth in Lending Act (HOEPA): Mortgage loan financed Points and Fees. Mortgage loan financed Points and Fees.       Reviewer Comment (2026-03-10): Received, Clearing.


Reviewer Comment (2026-03-05): Please provide the undiscounted rate and undiscounted rate price to test discount points for bona fide.


Seller Comment (2026-03-04): Comment from XXXX (XXXX): Please see attached.
 03/10/2026     1 C A C A C A C A C A   NJ Primary Refinance - Cash-out - Other   C B C A C B A A   Exempt from ATR No
XXXXXX 4000116750 XXXXXX   XXXXXX     Compliance Legal / Regulatory / Compliance Anti-Predatory Violation Federal Defect (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Late Charge) Truth in Lending Act (HOEPA): Mortgage loan contains a late charge that exceeds the greater of XXXX % of the amount past due or grace period of less than XXXX days. Mortgage loan contains a late charge that exceeds the greater of 4% of the amount past due or grace period of less than XXXX days.       Reviewer Comment (2026-03-10): Received, Clearing.


Reviewer Comment (2026-03-05): Please provide the undiscounted rate and undiscounted rate price to test discount points for bona fide.


Seller Comment (2026-03-04): Comment from XXXX (XXXX): Please see attached response.
 03/10/2026     1 C A C A C A C A C A   NJ Primary Refinance - Cash-out - Other   C B C A C B A A   Exempt from ATR No
XXXXXX 4000116750 XXXXXX   XXXXXX     Compliance Compliance Federal Compliance Federal Defect (Fed High Cost) Federal High-Cost Mortgage Loan (Points and Fees) Truth in Lending Act (High-Cost Mortgage): Points and Fees on subject loan of XXXX % is in excess of the allowable maximum of  XXXX % of the Federal Total Loan Amount. Points and Fees of $XXXX on a Federal Total Loan Amount of $XXXX vs. an allowable total of $XXXX (an overage of $XXXX or .XXXX %).  Non-Compliant High Cost Loan. Points and Fees on subject loan of XXXX % is in excess of the allowable maximum of XXXX % of the Federal Total Loan Amount. Points and Fees of $XXXX on a Federal Total Loan Amount of $XXXX vs. an allowable total of $XXXX (an overage of $XXXX or .XXXX %). Non-Compliant High Cost Loan.       Reviewer Comment (2026-03-10): Received, Clearing.


Reviewer Comment (2026-03-05): Please provide the undiscounted rate and undiscounted rate price to test discount points for bona fide.


Seller Comment (2026-03-04): Comment from XXXX (XXXX): Please see attached.
 03/10/2026     1 C A C A C A C A C A   NJ Primary Refinance - Cash-out - Other (1) Signed letter from borrower indicating their choice to either (a) accept refund and make loan non-high-cost or (b) keep loan as high-cost and make loan compliant; (2) Assuming option (a) is selected, a copy of refund check and proof of mailing; (3) Assuming option (b) is selected, proof of cure for each of the prohibited practices violations noted. C B C A C B A A   Exempt from ATR Yes
XXXXXX 4000116750 XXXXXX   XXXXXX     Compliance Legal / Regulatory / Compliance Anti-Predatory Violation Federal Defect (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Counseling Requirement) Truth in Lending Act (HOEPA): Borrower did not receive pre-loan counseling. Borrower did not receive pre-loan counseling.       Reviewer Comment (2026-03-10): Received, Clearing.


Reviewer Comment (2026-03-05): Please provide the undiscounted rate and undiscounted rate price to test discount points for bona fide.


Seller Comment (2026-03-04): Comment from XXXX (XXXX): Please see attached.
 03/10/2026     1 C A C A C A C A C A   NJ Primary Refinance - Cash-out - Other   C B C A C B A A   Exempt from ATR No
XXXXXX 4000116750 XXXXXX   XXXXXX     Compliance Compliance State Compliance State Defect (State High Cost Provision) New Jersey High-Cost Loan (Counseling Requirement) XXXX High-Cost Loan: Proof of counseling from HUD-approved nonprofit credit counselor not obtained. Proof of counseling from HUD-approved nonprofit credit counselor not obtained.       Reviewer Comment (2026-03-10): Received, Clearing.


Reviewer Comment (2026-03-05): Please provide the undiscounted rate and undiscounted rate price to test discount points for bona fide.


Seller Comment (2026-03-04): Comment from XXXX (XXXX): Please see attached.
 03/10/2026     1 C A C A C A C A C A   NJ Primary Refinance - Cash-out - Other   C B C A C B A A   Exempt from ATR No
XXXXXX 4000116750 XXXXXX   XXXXXX     Compliance Compliance State Compliance State Defect (State High Cost Provision) New Jersey High-Cost Loan (Financed Fees Exceeds Threshold) XXXX High-Cost Loan: Lender financed points and fees in excess of XXXX% of the total loan amount. Lender financed points and fees in excess of XXXX % of the total loan amount.       Reviewer Comment (2026-03-10): Received, Clearing.


Reviewer Comment (2026-03-05): Please provide the undiscounted rate and undiscounted rate price to test discount points for bona fide.


Seller Comment (2026-03-04): Comment from XXXX (XXXX): Please see attached.
 03/10/2026     1 C A C A C A C A C A   NJ Primary Refinance - Cash-out - Other   C B C A C B A A   Exempt from ATR No
XXXXXX 4000116750 XXXXXX   XXXXXX     Compliance Compliance State Compliance State Defect (State High Cost) New Jersey High-Cost Loan (Points and Fees) XXXX  Home Ownership Security Act: Points and Fees on subject loan of XXXX % is in excess of the allowable maximum of  XXXX % of the Total Loan Amount. Points and Fees total $XXXX on a Total Loan Amount of $XXXX  vs. an allowable total of $XXXX (an overage of $XXXX or .XXXX %).  Non-Compliant High Cost Loan. Points and Fees on subject loan of XXXX % is in excess of the allowable maximum of XXXX % of the Total Loan Amount. Points and Fees total $XXXX on a Total Loan Amount of $XXXX vs. an allowable total of $XXXX (an overage of $XXXX or .XXXX %). Non-Compliant High Cost Loan.       Reviewer Comment (2026-03-10): Received, Clearing.


Reviewer Comment (2026-03-05): Please provide the undiscounted rate and undiscounted rate price to test discount points for bona fide.


Seller Comment (2026-03-04): Comment from XXXX (XXXX): Please see attached.
 03/10/2026     1 C A C A C A C A C A   NJ Primary Refinance - Cash-out - Other Within 45 days of closing, provide: (1) Letter of Explanation; (2) refund of amount over the covered loan threshold maximum; and (3) proof of mailing (must be in transit with courier).

(Limited Use Bona Fide Errors - Compliance and Client Approval Required)  Within 365 days of closing, provide: 
(1) Legal opinion from originating lender with loan-specific details on how a high-cost loan was made despite procedures to prevent and confirms (i) the failure constitutes a bona fide error for the jurisdiction in which the property is located, and (ii) that the lender has not received any notice from the borrower of the failure; (2) procedures or explanation of controls in place to prevent such errors; (3) client written approval accepting use of the bona fide error cure; (4) Letter of Explanation to borrower; (5) refund of amount over the high-cost threshold maximum; and (6) proof of mailing (must be in transit with courier).  Note, a cure may not be accepted if the seller/lender has certified a fix has been made to their system and the same issue continues to occur after the fix has been put into place.		 C B C A C B A A   Exempt from ATR Yes
XXXXXX 4000116164 XXXXXX   XXXXXX     Credit Legal / Regulatory / Compliance Title / Lien Defect Legal / Regulatory / Compliance Final Title Policy is missing. No evidence of title in file.   Title Policy is missing.       Reviewer Comment (2026-03-05): Received Evidence of Title. Exception cleared.


Seller Comment (2026-03-05): Comment from XXXX (XXXX): Please see attached.
 03/05/2026     1 C A C A C A C A C A   NH Primary Refinance - Cash-out - Other   C A C A A A A A   Exempt from ATR No
XXXXXX 4000116164 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___ VeroValue Valuation Report in file. CU or LCA not provided.       Reviewer Comment (2026-03-05): Accepted as is based on meeting three RAs requirements
       1 N/A N/A A A N/A N/A     N/A N/A   NH Primary Refinance - Cash-out - Other   C A C A A A A A   Exempt from ATR No
XXXXXX 4000116164 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___ VeroValue Valuation is dated XXXX . The Application date is XXXX . The Note date is XXXX .       Reviewer Comment (2026-03-05): Accepted as is.
     03/05/2026 2 A A A A A A     B B   NH Primary Refinance - Cash-out - Other   C A C A A A A A   Exempt from ATR No
XXXXXX 4000117819 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___ Loan is to be securitized. One valuation was provided, with no CU or LCA.       Reviewer Comment (2026-03-04): Accepted as is based on meeting two RAs requirements
       1 N/A N/A A A N/A N/A     N/A N/A   NV Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000117819 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___ Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date.       Reviewer Comment (2026-03-04): Accepted as is.
     03/04/2026 2 A A A A A A     B B   NV Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000117124 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___ XXXX AVM by XXXX in file. CU or LCA not provided.       Reviewer Comment (2026-03-05): Accepted as is.
     03/05/2026 2 A A A A A A     B B   FL Investment Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000117124 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___ XXXX AVM by XXXX in file. CU or LCA not provided.       Reviewer Comment (2026-03-05): Accepted as is based on meeting two RAs requirements
       1 N/A N/A A A N/A N/A     N/A N/A   FL Investment Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000117158 XXXXXX   XXXXXX     Property Appraisal Reconciliation Appraisal Documentation Appraisal Reconciliation Appraisal from prior transaction provided. No secondary valuation with effective date less than 3 months past note date provided. Sec ID: 156 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-03-05): Accepted as is based on meeting three RAs requirements.
       1 N/A N/A A A N/A N/A     N/A N/A   NY Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000114870 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___ Loan is to be securitized. One valuation was provided, with no CU or LCA.       Reviewer Comment (2026-03-05): Accepted as is based on meeting two RAs requirements
       1 N/A N/A A A N/A N/A     N/A N/A   AZ Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000114870 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___ Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date.       Reviewer Comment (2026-03-05): Accepted as is.
     03/05/2026 2 A A A A A A     B B   AZ Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000113539 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-03-05): Accepted as is.
     03/05/2026 1 N/A N/A A A N/A N/A     N/A N/A   IL Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000117392 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-03-05): Accepted as is based on meeting two RAs requirements
       1 N/A N/A A A N/A N/A     N/A N/A   CA Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000117392 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-03-05): Accepted as is.
     03/05/2026 2 A A A A A A     B B   CA Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000118111 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___ CU and/or LCA Risk Score is <= XXXX however secondary appraisal available in file hence updated.       Reviewer Comment (2026-03-05): Accepted as is based on meeting three RAs requirements
       1 N/A N/A A A N/A N/A     N/A N/A   NC Investment Refinance - Cash-out - Other   C A C A A A A A   Exempt from ATR No
XXXXXX 4000118111 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-03-05): Accepted as is.
     03/05/2026 2 A A A A A A     B B   NC Investment Refinance - Cash-out - Other   C A C A A A A A   Exempt from ATR No
XXXXXX 4000118111 XXXXXX   XXXXXX     Credit Loan Package Documentation Application / Processing Loan Package Documentation Missing Document: Business Purpose Certificate not provided   Business Purpose Certificate is missing.       Reviewer Comment (2026-03-19): Associated Business Purpose Certificate, Exception Cleared.


Seller Comment (2026-03-19): Comment from XXXX (XXXX): Please see attached
 03/19/2026     1 C A C A C A C A C A   NC Investment Refinance - Cash-out - Other   C A C A A A A A   Exempt from ATR No
XXXXXX 4000117907 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-03-05): Accepted as is.
     03/05/2026 2 A A A A A A     B B   CA Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000117907 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___ CU and/or LCA Risk Score is <= XXXX however secondary appraisal available in file hence updated.       Reviewer Comment (2026-03-05): Accepted as is.
     03/05/2026 1 N/A N/A A A N/A N/A     N/A N/A   CA Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000114477 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___ XXXX AVM in file. CU or LCA not provided.       Reviewer Comment (2026-03-06): Accepted as is.
     03/06/2026 1 N/A N/A A A N/A N/A     N/A N/A   PA Investment Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000114477 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___ XXXX AVM is dated XXXX . The Application date is XXXX . The Note date is XXXX       Reviewer Comment (2026-03-06): Accepted as is.
     03/06/2026 2 A A A A A A     B B   PA Investment Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000118729 XXXXXX   XXXXXX     Credit Title Document Error Title The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided.   The preliminary title policy is within XXXX and does not reflect a coverage amount (no final title policy in file).       Reviewer Comment (2026-03-05): Accepted as is.
     03/05/2026 2 B B B B B B B B B B   CA Primary Refinance - Cash-out - Other   B B B B A A A A   Exempt from ATR No
XXXXXX 4000118729 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-03-05): Accepted as is.
     03/05/2026 1 N/A N/A A A N/A N/A     N/A N/A   CA Primary Refinance - Cash-out - Other   B B B B A A A A   Exempt from ATR No
XXXXXX 4000118729 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-03-05): Accepted as is.
     03/05/2026 2 A A A A A A     B B   CA Primary Refinance - Cash-out - Other   B B B B A A A A   Exempt from ATR No
XXXXXX 4000114350 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___ XXXX  AVM in file. CU or LCA not provided.       Reviewer Comment (2026-03-06): Accepted as is per client.
     03/06/2026 2 A A A A A A     B B   RI Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000114350 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___ XXXX AVM in file. CU or LCA not provided.       Reviewer Comment (2026-03-06): Accepted as is per client.
     03/06/2026 1 N/A N/A A A N/A N/A     N/A N/A   RI Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000113307 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___ Loan is to be securitized. One valuation was provided, with no CU or LCA.       Reviewer Comment (2026-03-06): Accepted as is.
     03/06/2026 1 N/A N/A A A N/A N/A     N/A N/A   WA Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000113307 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___ Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date.       Reviewer Comment (2026-03-06): Accepted as is.
     03/06/2026 2 A A A A A A     B B   WA Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000117130 XXXXXX   XXXXXX     Compliance Compliance Federal Compliance TILA Truth in Lending Act (HELOC): Fee amounts for testing were sourced from one or more fee documents in file containing higher amounts than that reflected on HELOC Agreement. Truth in Lending Act (HELOC): Fee amounts were sourced from multiple disclosures containing higher amounts than that reflected on HELOC Agreement. Fee amounts were sourced from multiple disclosures containing higher amounts than that reflected on HELOC Agreement.       Reviewer Comment (2026-03-06): Accepted as is per client.
     03/06/2026 2 A A A A A A A A A A   NY Primary Refinance - Cash-out - Other   C A A A C A A A   Exempt from ATR No
XXXXXX 4000117130 XXXXXX   XXXXXX     Compliance Compliance State Compliance State Defect (State High Cost Disclosure) New York High-Cost Loan (Aggregate Payment Disclosure Not Provided) XXXX  High-Cost Loan: Borrower not provided with Aggregate Monthly Payment Disclosure statement. Borrower not provided with Aggregate Monthly Payment Disclosure statement       Reviewer Comment (2026-03-19): Received, Clearing.


Reviewer Comment (2026-03-19): This would be required if the loan is truly a XXXX High Cost loan.


Seller Comment (2026-03-19): Comment from XXXX (XXXX): this is a standalone second, is this form a requirement?
 03/19/2026     1 C A C A C A C A C A   NY Primary Refinance - Cash-out - Other No obvious cure C A A A C A A A   Exempt from ATR No
XXXXXX 4000117130 XXXXXX   XXXXXX     Compliance Compliance State Compliance State Defect (State High Cost Disclosure) New York High-Cost Loan (Consumer Caution and Home Ownership Counseling Notice Not Provided) XXXX  High-Cost Loan: Borrower not provided with Consumer Caution and Home Ownership Counseling Notice. Borrower not provided with Consumer Caution and Home Ownership Counseling Notice.       Reviewer Comment (2026-03-19): Received, Clearing.


Seller Comment (2026-03-19): Comment from XXXX (XXXX): misc docs
 03/19/2026     1 C A C A C A C A C A   NY Primary Refinance - Cash-out - Other No obvious cure C A A A C A A A   Exempt from ATR No
XXXXXX 4000117130 XXXXXX   XXXXXX     Compliance Compliance State Compliance State Defect (State High Cost Disclosure) New York High-Cost Loan (Counseling Disclosure Not Provided) XXXX  High-Cost Loan: Counseling Disclosure not provided to borrower. Counseling Disclosure not provided to borrower.       Reviewer Comment (2026-03-19): Received, Clearing.


Seller Comment (2026-03-19): Comment from XXXX (XXXX): misc
 03/19/2026     1 C A C A C A C A C A   NY Primary Refinance - Cash-out - Other No obvious cure C A A A C A A A   Exempt from ATR No
XXXXXX 4000117130 XXXXXX   XXXXXX     Compliance Compliance State Compliance State Defect (State High Cost Provision) New York High-Cost Loan (Financed Fees Exceeds Threshold) XXXX  High-Cost Loan: Lender financed points and fees in excess of XXXX% of the total loan amount. Lender financed points and fees in excess of XXXX% of the total loan amount.       Reviewer Comment (2026-03-19): Received, Clearing.


Buyer Comment (2026-03-19): Comment from XXXX (XXXX): the final mavent has been provided, this is a standalone second. Please advise what is needed to clear this condition
 03/19/2026     1 C A C A C A C A C A   NY Primary Refinance - Cash-out - Other   C A A A C A A A   Exempt from ATR No
XXXXXX 4000117130 XXXXXX   XXXXXX     Compliance Compliance State Compliance State Defect (State High Cost Disclosure) New York High-Cost Loan (High Cost Legend Not on Mortgage) XXXX  High-Cost Loan: Mortgage does not contain legend advising loan is high-cost. Mortgage does not contain legend advising loan is high-cost.       Reviewer Comment (2026-03-19): Received, Clearing.


Buyer Comment (2026-03-19): Comment from XXXX (XXXX): High Cost Test provided
 03/19/2026     1 C A C A C A C A C A   NY Primary Refinance - Cash-out - Other   C A A A C A A A   Exempt from ATR No
XXXXXX 4000117130 XXXXXX   XXXXXX     Compliance Compliance State Compliance State Defect (State High Cost Disclosure) New York High-Cost Loan (Shop Around Notice Not on Loan Application) XXXX  High-Cost Loan: Mandatory "Shop Around" Notice not included on loan application to applicant. Mandatory "Shop Around" Notice not included on loan application to applicant.       Reviewer Comment (2026-03-19): Received, Clearing.v


Seller Comment (2026-03-19): Comment from XXXX (XXXX): This is the only state specific form required
 03/19/2026     1 C A C A C A C A C A   NY Primary Refinance - Cash-out - Other No obvious cure C A A A C A A A   Exempt from ATR No
XXXXXX 4000117130 XXXXXX   XXXXXX     Compliance Compliance State Compliance State Defect (State High Cost Provision) New York High-Cost Loan (Teaser Rate Less than 6 Months) XXXX  High-Cost Loan: Mortgage Loan contains an initial or introductory rate (teaser rate) less than six (6) months. Mortgage Loan contains an initial or introductory rate (teaser rate) less than six (6) months.       Reviewer Comment (2026-03-19): Received, Clearing.


Seller Comment (2026-03-19): Comment from XXXX (XXXX): what is required to clear this condition
 03/19/2026     1 C A C A C A C A C A   NY Primary Refinance - Cash-out - Other   C A A A C A A A   Exempt from ATR No
XXXXXX 4000117130 XXXXXX   XXXXXX     Compliance Compliance State Compliance State Defect (State High Cost) New York High-Cost Loan (Points and Fees) XXXX  Anti-Predatory Lending Statute: Points and Fees on subject loan of XXXX % is in excess of the allowable maximum of  XXXX % of the Total Loan Amount. Points and Fees total $XXXX on a Total Loan Amount of $XXXX vs. an allowable total of $XXXX (an overage of $XXXX or .XXXX %).  Non-Compliant High Cost Loan. Points and Fees on subject loan of XXXX % is in excess of the allowable maximum of XXXX % of the Total Loan Amount. Points and Fees total $XXXX on a Total Loan Amount of $XXXX vs. an allowable total of $XXXX (an overage of $XXXX or .XXXX %). Non-Compliant High Cost Loan.       Reviewer Comment (2026-03-19): Received, Clearing.


Seller Comment (2026-03-19): Comment from XXXX (XXXX): The final loan amount is $XXXX please provide an update fee assessment, final mavent provided
 03/19/2026     1 C A C A C A C A C A   NY Primary Refinance - Cash-out - Other Within 30 days of closing, provide: (1) Signed letter from borrower indicating their choice to either (a) accept refund and make loan non-high-cost or (b) keep loan as high-cost and make loan compliant; (2) Assuming option (a) is selected, a copy of refund check and proof of mailing (must be in transit with courier); (3) Assuming option (b) is selected, proof of cure for each of the prohibited practice violations noted.

(Limited Use Bona Fide Errors - Compliance and Client Approval Required)   Within 60 days of discovery, provide:
(1) Legal opinion from originating lender with loan-specific details on how a high-cost loan was made despite procedures to prevent and confirms (i) the failure constitutes a bona fide error for the jurisdiction in which the property is located, and (ii) that the lender has not received any notice from the borrower of the failure; (2) procedures or explanation of controls in place to prevent such errors; (3) client written approval accepting use of the bona fide error cure; (4) signed borrower choice letter to either (a) accept refund and make loan non-high-cost or (b) keep loan as high-cost and make loan compliant; (5) If option 4(a) is selected, copy of refund check and proof of mailing; (6) If option 4(b) is selected, proof of cure for each of the prohibited practice violations. Note, a cure may not be accepted if the seller/lender has certified a fix has been made to their system and the same issue continues to occur after the fix has been put into place.		 C A A A C A A A   Exempt from ATR Yes
XXXXXX 4000117130 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___ Loan is to be securitized. One valuation was provided, with no CU or LCA.       Reviewer Comment (2026-03-06): Accepted as is per client.
     03/06/2026 1 N/A N/A A A N/A N/A     N/A N/A   NY Primary Refinance - Cash-out - Other   C A A A C A A A   Exempt from ATR No
XXXXXX 4000117130 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___ Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date       Reviewer Comment (2026-03-06): Accepted as is per client.
     03/06/2026 2 A A A A A A     B B   NY Primary Refinance - Cash-out - Other   C A A A C A A A   Exempt from ATR No
XXXXXX 4000115814 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___ XXXX  AVM in file. CU or LCA not provided.       Reviewer Comment (2026-03-06): Accepted as is per client.
     03/06/2026 2 A A A A A A     B B   WA Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000115814 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___ XXXX  AVM in file. CU or LCA not provided.       Reviewer Comment (2026-03-06): Accepted as is per client.
     03/06/2026 1 N/A N/A A A N/A N/A     N/A N/A   WA Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000117581 XXXXXX   XXXXXX     Compliance Compliance Federal Compliance TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act:  Subject loan transaction disbursed on XXXX , prior to three (3) business days from transaction date of XXXX         Reviewer Comment (2026-03-12): Updated disbursement date with Final closing statement


Seller Comment (2026-03-12): Comment from XXXX (XXXX): XXXX Please see the attached final Settlement Statement showing that the disbursement date was after the rescission period expired.
 03/12/2026     1 C A C A C A C A C A   CA Primary Refinance - Cash-out - Other TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C B B B C A A A   Exempt from ATR Yes
XXXXXX 4000117581 XXXXXX   XXXXXX     Credit Title General Title Title Policy Coverage is less than Original Loan Amount. The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. Title Policy Coverage is less than Original Loan Amount.       Reviewer Comment (2026-03-06): Accepted as is per client.
     03/06/2026 2 B B B B B B B B B B   CA Primary Refinance - Cash-out - Other   C B B B C A A A   Exempt from ATR No
XXXXXX 4000117581 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___ Loan is to be securitized. One valuation was provided, with no CU or LCA       Reviewer Comment (2026-03-06): Accepted as is per client.
     03/06/2026 1 N/A N/A A A N/A N/A     N/A N/A   CA Primary Refinance - Cash-out - Other   C B B B C A A A   Exempt from ATR No
XXXXXX 4000117581 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___ Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date.       Reviewer Comment (2026-03-06): Accepted as is per client.
     03/06/2026 2 A A A A A A     B B   CA Primary Refinance - Cash-out - Other   C B B B C A A A   Exempt from ATR No
XXXXXX 4000114199 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___ CU and/or LCA Risk Score is <= XXXX however secondary appraisal available in file hence updated.       Reviewer Comment (2026-03-06): Accepted as is per client.
     03/06/2026 1 N/A N/A A A N/A N/A     N/A N/A   AR Primary Refinance - Cash-out - Other   C A C A A A A A   Exempt from ATR No
XXXXXX 4000114199 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-03-06): Accepted as is per client.
     03/06/2026 2 A A A A A A     B B   AR Primary Refinance - Cash-out - Other   C A C A A A A A   Exempt from ATR No
XXXXXX 4000114199 XXXXXX   XXXXXX     Credit Income / Employment Income Documentation Income / Employment Income Docs Missing: -         Reviewer Comment (2026-03-09): Received The work number Employment verification. Exception cleared.


Seller Comment (2026-03-09): Comment from XXXX (XXXX): Please see attached.
 03/09/2026     1 C A C A C A C A C A   AR Primary Refinance - Cash-out - Other   C A C A A A A A   Exempt from ATR No
XXXXXX 4000114199 XXXXXX   XXXXXX     Credit Income / Employment Income Documentation Income / Employment Income documentation requirements not met.   Third Party Verification not provided for Employment for both borrowers.       Reviewer Comment (2026-03-09): Received The work number Employment verification. Exception cleared.


Seller Comment (2026-03-09): Comment from XXXX (XXXX): Please see attached.
 03/09/2026     1 C A C A C A C A C A   AR Primary Refinance - Cash-out - Other   C A C A A A A A   Exempt from ATR No
XXXXXX 4000117583 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-03-06): Accepted as is per client.
     03/06/2026 1 N/A N/A A A N/A N/A     N/A N/A   OH Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000117583 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-03-06): Accepted as is per client.
     03/06/2026 2 A A A A A A     B B   OH Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000116645 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-03-06): Accepted as is per client
     03/06/2026 1 N/A N/A A A N/A N/A     N/A N/A   CA Primary Refinance - Cash-out - Other   C B C B A A A A   Exempt from ATR No
XXXXXX 4000116645 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-03-06): Accepted as is per client
     03/06/2026 2 A A A A A A     B B   CA Primary Refinance - Cash-out - Other   C B C B A A A A   Exempt from ATR No
XXXXXX 4000116645 XXXXXX   XXXXXX     Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Guideline Requirement: Investor qualifying total debt ratio discrepancy. Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. Calculated investor qualifying total debt ratio of XXXX % exceeds Guideline total debt ratio of XXXX %. Borrower has been employed in the same industry for more than 5 years.

Borrower has owned the subject property for at least 5 years.

Borrower has verified disposable income of at least $2500.00.

Borrower has worked in the same position for more than 3 years.

The representative FICO score exceeds the guideline minimum by at least 40 points.		   SitusAMC

SitusAMC

SitusAMC

SitusAMC

SitusAMC		 Reviewer Comment (2026-03-19): Client elects to waive with compensating factors


Seller Comment (2026-03-19): Comment from XXXX (XXXX): Please see attached exception approval.


Reviewer Comment (2026-03-19): EXCEPTION HISTORY - Exception Explanation was updated on XXXX PRIOR Exception Explanation: Calculated investor qualifying total debt ratio of XXXX% exceeds Guideline total debt ratio of XXXX%.


Reviewer Comment (2026-03-11): EXCEPTION HISTORY - Exception Explanation was updated onXXXX PRIOR Exception Explanation: Calculated investor qualifying total debt ratio of XXXX% exceeds Guideline total debt ratio of XXXX%.
     03/19/2026 2 C B C B C B C B C B   CA Primary Refinance - Cash-out - Other   C B C B A A A A   Exempt from ATR No
XXXXXX 4000118171 XXXXXX   XXXXXX     Compliance Compliance Federal Compliance ECOA ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation.         Reviewer Comment (2026-03-09): Accepted as is.
     03/09/2026 2 B B B B B B B B B B   CA Primary Refinance - Cash-out - Other   B B B B B B A A   Exempt from ATR No
XXXXXX 4000118171 XXXXXX   XXXXXX     Credit Title Document Error Title The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided.   The Preliminary title policy is within XXXX does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided.       Reviewer Comment (2026-03-09): Accepted as is.
     03/09/2026 2 B B B B B B B B B B   CA Primary Refinance - Cash-out - Other   B B B B B B A A   Exempt from ATR No
XXXXXX 4000115296 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-03-06): Accepted as is per client.
     03/06/2026 1 N/A N/A A A N/A N/A     N/A N/A   ID Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000115296 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-03-06): Accepted as is per client.
     03/06/2026 2 A A A A A A     B B   ID Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000116458 XXXXXX   XXXXXX     Compliance Loan Package Documentation Application / Processing Missing, Incorrect, or Incomplete Final or Initial 1003 Missing Document: Missing Lender's Initial 1003   Initial 1003 is Missing       Reviewer Comment (2026-03-09): Accepted as is.
     03/09/2026 2 B B B B B B B B B B   PA Investment Refinance - Cash-out - Other   B B A A B B A A   Exempt from ATR No
XXXXXX 4000116458 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___ Loan is to be securitized. One valuation was provided, with no CU or LCA       Reviewer Comment (2026-03-09): Accepted as is.
     03/09/2026 1 N/A N/A A A N/A N/A     N/A N/A   PA Investment Refinance - Cash-out - Other   B B A A B B A A   Exempt from ATR No
XXXXXX 4000116458 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___ Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date.       Reviewer Comment (2026-03-09): Accepted as is.
     03/09/2026 2 A A A A A A     B B   PA Investment Refinance - Cash-out - Other   B B A A B B A A   Exempt from ATR No
XXXXXX 4000116453 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-03-09): Accepted as is.
     03/09/2026 1 N/A N/A A A N/A N/A     N/A N/A   GA Investment Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000116453 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-03-09): Accepted as is.
     03/09/2026 2 A A A A A A     B B   GA Investment Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000117890 XXXXXX   XXXXXX     Credit Income / Employment Income Documentation Missing Document  REO Documents are missing. - Missing HOA Verification, Insurance Verification, Lease Agreement, Mortgage Statement for property address XXXX       Reviewer Comment (2026-03-11): Received Note, Comparable Rent Schedule, Insurance and HOA Verification for XXXX. Exception cleared.


Seller Comment (2026-03-10): Comment from XXXX (XXXX): Please see attached REO documentation for XXXX, please note no lease agreement items , this is a concurrent purchase with the other XXXX file you guys have, see appraisal as there is a rent survey that was used.
 03/11/2026     1 C A C A C A C A C A   WA Primary Refinance - Cash-out - Other   C B C A B B A A   Exempt from ATR No
XXXXXX 4000117890 XXXXXX   XXXXXX     Compliance Compliance State Compliance Misc. State Level Washington Residential Mortgage Loan (Disclosure of Material Terms Not Provided Timely) XXXX  HB 2770: Mortgage loan file does not contain a disclosure summary of all material terms provided to borrower within three (3) business days of  receipt of the loan application. XXXX  HB 2770: Mortgage loan file does not contain a disclosure summary of all material terms provided to borrower within three (3) business days of  receipt of the loan application.       Reviewer Comment (2026-03-09): Accepted as is.
     03/09/2026 2 B B B B B B B B B B   WA Primary Refinance - Cash-out - Other   C B C A B B A A   Exempt from ATR No
XXXXXX 4000116720 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-03-10): Accepted as is.
     03/10/2026 2 A A A A A A     B B   NC Primary Refinance - Cash-out - Other   C A C A A A A A   Exempt from ATR No
XXXXXX 4000116720 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-03-10): Accepted as is.
     03/10/2026 1 N/A N/A A A N/A N/A     N/A N/A   NC Primary Refinance - Cash-out - Other   C A C A A A A A   Exempt from ATR No
XXXXXX 4000116720 XXXXXX   XXXXXX     Credit Legal / Regulatory / Compliance Title / Lien Defect Legal / Regulatory / Compliance Final Title Policy is missing. No evidence of title in file.           Reviewer Comment (2026-03-12): Received Title Evidence. Exception cleared.


Seller Comment (2026-03-12): Comment from XXXX (XXXX): XXXX- see attached
 03/12/2026     1 C A C A C A C A C A   NC Primary Refinance - Cash-out - Other   C A C A A A A A   Exempt from ATR No
XXXXXX 4000115124 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___ Loan is to be securitized. One valuation was provided, with no CU or LCA.       Reviewer Comment (2026-03-09): Accepted as is.
     03/09/2026 1 N/A N/A A A N/A N/A     N/A N/A   RI Investment Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000115124 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___ Loan is to be securitized. One valuation  was provided with an effective date between application date and note date.       Reviewer Comment (2026-03-09): Accepted as is.
     03/09/2026 2 A A A A A A     B B   RI Investment Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000112724 XXXXXX   XXXXXX     Compliance Compliance Federal Compliance ECOA ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation.       Reviewer Comment (2026-03-09): Accepted as is.
     03/09/2026 2 B B B B B B B B B B   CT Investment Refinance - Cash-out - Other   D D A A B B D D   Exempt from ATR No
XXXXXX 4000112724 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 180 Note Date:  ___; Lien Position: ___ Secondary valuation not required in Heloc Second lien file .       Reviewer Comment (2026-03-09): Accepted as is based on meeting three RAs requirements.
       3 N/A N/A A A N/A N/A     D D   CT Investment Refinance - Cash-out - Other   D D A A B B D D   Exempt from ATR No
XXXXXX 4000112724 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 372 Note Date:  ___; Lien Position: ___ Secondary valuation not required in Heloc Second lien file .       Reviewer Comment (2026-03-09): Accepted as is.
     03/09/2026 2 B B A A A A     A A   CT Investment Refinance - Cash-out - Other   D D A A B B D D   Exempt from ATR No
XXXXXX 4000117905 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-03-10): Accepted as is.
     03/10/2026 1 N/A N/A A A N/A N/A     N/A N/A   MI Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000117905 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-03-10): Accepted as is.
     03/10/2026 2 A A A A A A     B B   MI Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000113625 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-03-10): Accepted as is.
     03/10/2026 1 N/A N/A A A N/A N/A     N/A N/A   VA Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000112617 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-03-10): Accepted as is.
     03/10/2026 1 N/A N/A A A N/A N/A     N/A N/A   GA Second Home Refinance - Cash-out - Other   C A C A A A A A   Exempt from ATR No
XXXXXX 4000112617 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-03-10): Accepted as is.
     03/10/2026 2 A A A A A A     B B   GA Second Home Refinance - Cash-out - Other   C A C A A A A A   Exempt from ATR No
XXXXXX 4000112617 XXXXXX   XXXXXX     Credit Income / Employment Income Documentation Missing Document  REO Documents are missing. - ___ Need the mortgage statement and insurance documentation for this property.       Reviewer Comment (2026-03-16): Received Closing Disclosure confirms that the monthly P&I and Taxes & Insurances are Escrowed for the property XXXX. Hence Insurance verification is not required. Exception cleared.


Seller Comment (2026-03-13): Comment from XXXX (XXXX): XXXX: Please see attached.
 03/16/2026     1 C A C A C A C A C A   GA Second Home Refinance - Cash-out - Other   C A C A A A A A   Exempt from ATR No
XXXXXX 4000113253 XXXXXX   XXXXXX     Credit Legal / Regulatory / Compliance Title / Lien Defect Title Title Policy is Preliminary or Commitment, and not a Final Title Policy. Title Evidence: ___         Reviewer Comment (2026-03-13): Received Statements. Exception cleared.
 03/13/2026     1 A A A A A A A A A A   CA Investment Refinance - Cash-out - Other   C A C A A A A A   Exempt from ATR No
XXXXXX 4000113253 XXXXXX   XXXXXX     Credit Income / Employment Income Documentation Missing Document  REO Documents are missing. -         Reviewer Comment (2026-03-13): Received Statements. Exception cleared.


Seller Comment (2026-03-13): Comment from XXXX (XXXX): XXXX: Please see attached.
 03/13/2026     1 C A C A C A C A C A   CA Investment Refinance - Cash-out - Other   C A C A A A A A   Exempt from ATR No
XXXXXX 4000113253 XXXXXX   XXXXXX     Credit Income / Employment Income Documentation Missing Document  REO Documents are missing. - ___         Reviewer Comment (2026-03-28): Received, Clearing.


Seller Comment (2026-03-27): Comment from XXXX (XXXX): XXXX: Please see attached.


Reviewer Comment (2026-03-19): Mortgage Statement is not provided. Exception remains.


Seller Comment (2026-03-19): Comment from XXXX (XXXX): XXXX: Please see attached. XXXX Loan #XXXX has not closed as of XXXX.
 03/28/2026     1 C A C A C A C A C A   CA Investment Refinance - Cash-out - Other   C A C A A A A A   Exempt from ATR No
XXXXXX 4000117762 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-03-11): Accepted as is.
     03/11/2026 1 N/A N/A A A N/A N/A     N/A N/A   NJ Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000117762 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-03-11): Accepted as is.
     03/11/2026 2 A A A A A A     B B   NJ Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000117929 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-03-11): Accepted as is.
     03/11/2026 2 A A A A A A     B B   CO Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000117929 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-03-11): Accepted as is.
     03/11/2026 1 N/A N/A A A N/A N/A     N/A N/A   CO Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000111684 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-03-11): Accepted as is.
     03/11/2026 1 N/A N/A A A N/A N/A     N/A N/A   AZ Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000111684 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-03-11): Accepted as is.
     03/11/2026 2 A A A A A A     B B   AZ Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000117154 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-03-11): Accepted as is.
     03/11/2026 1 N/A N/A A A N/A N/A     N/A N/A   MI Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000117154 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-03-11): Accepted as is.
     03/11/2026 2 A A A A A A     B B   MI Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000118023 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___ XXXX  Value AVM dated XXXX . The Application date isXXXX . The Note date is XXXX       Reviewer Comment (2026-03-11): Accepted as is.
     03/11/2026 2 A A A A A A     B B   FL Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000118023 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___ XXXX Value AVM in file. CU or LCA not provided.       Reviewer Comment (2026-03-11): Accepted as is.
     03/11/2026 1 N/A N/A A A N/A N/A     N/A N/A   FL Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000118636 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-03-11): Accepted as is.
     03/11/2026 1 N/A N/A A A N/A N/A     N/A N/A   WA Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000118636 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-03-11): Accepted as is.
     03/11/2026 2 A A A A A A     B B   WA Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000118799 XXXXXX   XXXXXX     Credit Guideline Guideline Issue Guideline The initial rate minimum is lower than the rate allowed by guidelines. Initial Interest Rate Minimum: ___
Mortgage Type: ___
Amortization Type: ___		 The Initial Rate Minimum is less than the XXXX % rate required by guidelines. Borrower has been employed in the same industry for more than 5 years.

Borrower has owned the subject property for at least 5 years.

Borrower has verified disposable income of at least $2500.00.

Borrower has worked in the same position for more than 3 years.

The representative FICO score exceeds the guideline minimum by at least 40 points.		   SitusAMC

SitusAMC

SitusAMC

SitusAMC

SitusAMC		 Reviewer Comment (2026-04-02): Client elects to waive with compensating factors


Reviewer Comment (2026-03-31): Please provide the completed exception request.


Seller Comment (2026-03-31): Comment from Post Closing (XXXX): See attached


Reviewer Comment (2026-03-18): Exception requests must go to the buyers portal.


Buyer Comment (2026-03-17): Comment from Post Closing (XXXX): Hi team, Can we get an exception approval of XXXX% floor rate?


Reviewer Comment (2026-03-13): The minimum rate is 4% per XXXX guidelines


Seller Comment (2026-03-13): Comment from Post Closing (XXXX): See attached
     04/02/2026 2 C B C B C B C B C B   WA Investment Refinance - Cash-out - Other   C B C B A A A A   Exempt from ATR No
XXXXXX 4000118799 XXXXXX   XXXXXX     Credit Loan Package Documentation Application / Processing Loan Package Documentation Missing Document: Business Purpose Certificate not provided   Business Purpose Certificate is missing in the file.       Reviewer Comment (2026-03-31): Received Business Purpose Certificate. Exception cleared.


Seller Comment (2026-03-31): Comment from Post Closing (XXXX): See attached
 03/31/2026     1 C A C A C A C A C A   WA Investment Refinance - Cash-out - Other   C B C B A A A A   Exempt from ATR No
XXXXXX 4000118799 XXXXXX   XXXXXX     Credit Insurance Insurance Analysis Insurance Hazard Insurance Policy expires within 90 days of the Note Date. Hazard Insurance Policy Expiration Date ___, Note Date ___ Hazard Insurance Policy expires within 90 days of the Note Date.       Reviewer Comment (2026-03-12): Client elects to waive
     03/12/2026 2 B B B B B B B B B B   WA Investment Refinance - Cash-out - Other   C B C B A A A A   Exempt from ATR No
XXXXXX 4000118799 XXXXXX   XXXXXX     Credit Loan Package Documentation Application / Processing Missing Document  Missing Document: Fraud Report not provided   Fraud report is incomplete .       Reviewer Comment (2026-03-12): Received complete Fraud Report. Exception cleared.


Seller Comment (2026-03-12): Comment from Post Closing (XXXX): See attached.
 03/12/2026     1 C A C A C A C A C A   WA Investment Refinance - Cash-out - Other   C B C B A A A A   Exempt from ATR No
XXXXXX 4000116058 XXXXXX   XXXXXX     Credit Title Document Error Title The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided.           Reviewer Comment (2026-03-12): Client elects to waive
     03/12/2026 2 B B B B B B B B B B   CA Primary Refinance - Cash-out - Other   B B B B A A A A   Exempt from ATR No
XXXXXX 4000119448 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-03-11): Accepted as is.
     03/11/2026 1 N/A N/A A A N/A N/A     N/A N/A   CA Primary Refinance - Cash-out - Other   B B B B A A A A   Exempt from ATR No
XXXXXX 4000119448 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-03-11): Accepted as is.
     03/11/2026 2 A A A A A A     B B   CA Primary Refinance - Cash-out - Other   B B B B A A A A   Exempt from ATR No
XXXXXX 4000119448 XXXXXX   XXXXXX     Credit Title Document Error Title The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided.           Reviewer Comment (2026-03-11): Accepted as is.
     03/11/2026 2 B B B B B B B B B B   CA Primary Refinance - Cash-out - Other   B B B B A A A A   Exempt from ATR No
XXXXXX 4000115747 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-03-12): Client elects to waive
     03/12/2026 1 N/A N/A A A N/A N/A     N/A N/A   NY Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000115747 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-03-12): Client elects to waive
     03/12/2026 2 A A A A A A     B B   NY Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000114050 XXXXXX   XXXXXX     Compliance Compliance State Compliance Misc. State Level Ohio Consumer Sales Practices Act (Acknowledgement of Receipt of Home Mortgage Loan Information Document Not Retained by Lender) XXXX  Consumer Sales Practices Act: Acknowledgement of Receipt of Home Mortgage Loan Information Document not retained by lender. XXXX CSPA Acknowledgment Receipt       Reviewer Comment (2026-03-12): Accepted as is.
     03/12/2026 2 B B B B B B B B B B   OH Primary Refinance - Cash-out - Other   C B A A C B B B   Exempt from ATR No
XXXXXX 4000114050 XXXXXX   XXXXXX     Compliance Compliance Federal Compliance TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act:  Subject loan transaction disbursed on XXXX , prior to three (3) business days from transaction date of XXXX Subject loan transaction disbursed on XXXX, prior to three (3) business days from transaction date of XXXX.       Reviewer Comment (2026-03-27): Received, Clearing.


Seller Comment (2026-03-26): Comment from XXXX (XXXX): Loan disbursed on XXXX please waive
 03/27/2026     1 C A C A C A C A C A   OH Primary Refinance - Cash-out - Other TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C B A A C B B B   Exempt from ATR Yes
XXXXXX 4000114050 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-03-12): Accepted as is.
     03/12/2026 2 A A A A A A     B B   OH Primary Refinance - Cash-out - Other   C B A A C B B B   Exempt from ATR No
XXXXXX 4000112711 XXXXXX   XXXXXX     Compliance Compliance Federal Compliance TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date Truth in Lending Act:  Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). The RTC expiration date on the form is XXXX , however the closing took place on XXXX  and doesn't allow the borrower 3 days to rescind       Reviewer Comment (2026-03-19): Received, Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form.


Seller Comment (2026-03-19): Comment from XXXX (XXXX): We have reopened rescission to get the corrected NRTC sign. Please see attached
   03/19/2026   2 C B C B C B C B C B   NY Primary Refinance - Cash-out - Other TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C B A A C B A A   Exempt from ATR Yes
XXXXXX 4000112711 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-03-12): Accepted as is.
     03/12/2026 2 A A A A A A     B B   NY Primary Refinance - Cash-out - Other   C B A A C B A A   Exempt from ATR No
XXXXXX 4000112711 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-03-12): Accepted as is.
     03/12/2026 1 N/A N/A A A N/A N/A     N/A N/A   NY Primary Refinance - Cash-out - Other   C B A A C B A A   Exempt from ATR No
XXXXXX 4000109227 XXXXXX   XXXXXX     Credit Title General Title Title Policy Coverage is less than Original Loan Amount. The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. The Title Policy Amount of $XXXX is less than the note amount of $XXXX based on the Commitment in file. please provide updated title policy       Reviewer Comment (2026-03-12): Accepted as is.
     03/12/2026 2 B B B B B B B B B B   NC Primary Refinance - Cash-out - Other   B B B B A A A A   Exempt from ATR No
XXXXXX 4000110289 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-03-12): Accepted as is.
     03/12/2026 1 N/A N/A A A N/A N/A     N/A N/A   FL Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000110289 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-03-12): Accepted as is.
     03/12/2026 2 A A A A A A     B B   FL Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000118130 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___ AVM is provided       Reviewer Comment (2026-03-12): Accepted as is.
     03/12/2026 2 A A A A A A     B B   CA Investment Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000118130 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___ AVM is provided       Reviewer Comment (2026-03-12): Accepted as is.
     03/12/2026 1 N/A N/A A A N/A N/A     N/A N/A   CA Investment Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000116182 XXXXXX   XXXXXX     Credit Loan Package Documentation Application / Processing Loan Package Documentation FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected.           Reviewer Comment (2026-03-13): PDI received reflecting no damage
 03/13/2026     1 C A C A C A C A C A   GA Investment Refinance - Cash-out - Other   D D C A B B D D   Exempt from ATR No
XXXXXX 4000116182 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 372 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-03-13): Client elects to waive
     03/13/2026 2 B B A A A A     A A   GA Investment Refinance - Cash-out - Other   D D C A B B D D   Exempt from ATR No
XXXXXX 4000116182 XXXXXX   XXXXXX     Compliance Compliance Federal Compliance ECOA ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. Verification appraisal was delivered to borrower was not provided.       Reviewer Comment (2026-03-13): Client elects to waive
     03/13/2026 2 B B B B B B B B B B   GA Investment Refinance - Cash-out - Other   D D C A B B D D   Exempt from ATR No
XXXXXX 4000116182 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 180 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-03-13): Accepted as is based on meeting three RAs requirements
       3 N/A N/A A A N/A N/A     D D   GA Investment Refinance - Cash-out - Other   D D C A B B D D   Exempt from ATR No
XXXXXX 4000116182 XXXXXX   XXXXXX     Property Valuation General Valuation Valuation Product pending   XXXX  / Post Disaster Inspection + XXXX - 5 Days       Reviewer Comment (2026-03-13): PDI received reflecting no damage


Reviewer Comment (2026-03-13): Valuation Received - XXXX
 03/13/2026     1   A   A   A   A   A   GA Investment Refinance - Cash-out - Other   D D C A B B D D   Exempt from ATR No
XXXXXX 4000119107 XXXXXX   XXXXXX     Credit Title Document Error Title The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided.   The preliminary title policy is within XXXX and does not reflect a coverage amount (no final title policy in file).       Reviewer Comment (2026-03-12): Accepted as is.
     03/12/2026 2 B B B B B B B B B B   CA Primary Refinance - Cash-out - Other   B B B B A A A A   Exempt from ATR No
XXXXXX 4000119107 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___ Loan is to be securitized. One valuation was provided, with no CU or LCA.       Reviewer Comment (2026-03-12): Accepted as is.
     03/12/2026 1 N/A N/A A A N/A N/A     N/A N/A   CA Primary Refinance - Cash-out - Other   B B B B A A A A   Exempt from ATR No
XXXXXX 4000119107 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___ Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date.       Reviewer Comment (2026-03-12): Accepted as is.
     03/12/2026 2 A A A A A A     B B   CA Primary Refinance - Cash-out - Other   B B B B A A A A   Exempt from ATR No
XXXXXX 4000118100 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-03-11): Accepted as is.
     03/11/2026 1 N/A N/A A A N/A N/A     N/A N/A   CA Primary Refinance - Cash-out - Other   B B B B A A A A   Exempt from ATR No
XXXXXX 4000118100 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-03-11): Accepted as is.
     03/11/2026 2 A A A A A A     B B   CA Primary Refinance - Cash-out - Other   B B B B A A A A   Exempt from ATR No
XXXXXX 4000118100 XXXXXX   XXXXXX     Credit Title Document Error Title The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided.           Reviewer Comment (2026-03-11): Accepted as is.
     03/11/2026 2 B B B B B B B B B B   CA Primary Refinance - Cash-out - Other   B B B B A A A A   Exempt from ATR No
XXXXXX 4000118839 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-03-13): Client elects to waive
     03/13/2026 1 N/A N/A A A N/A N/A     N/A N/A   CA Primary Refinance - Cash-out - Other   B B B B A A A A   Exempt from ATR No
XXXXXX 4000118839 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-03-13): Client elects to waive
     03/13/2026 2 A A A A A A     B B   CA Primary Refinance - Cash-out - Other   B B B B A A A A   Exempt from ATR No
XXXXXX 4000118839 XXXXXX   XXXXXX     Credit Title Document Error Title The Commitment or Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. Title Evidence: ___;
State: ___		         Reviewer Comment (2026-03-13): Client elects to waive
     03/13/2026 2 B B B B B B B B B B   CA Primary Refinance - Cash-out - Other   B B B B A A A A   Exempt from ATR No
XXXXXX 4000117359 XXXXXX   XXXXXX     Compliance Compliance Federal Compliance ECOA ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. (Type:Primary/XXXX       Reviewer Comment (2026-03-12): Accepted as is.
     03/12/2026 2 B B B B B B B B B B   CA Primary Refinance - Cash-out - Other   C B C A B B A A   Exempt from ATR No
XXXXXX 4000117359 XXXXXX   XXXXXX     Credit Loan Package Documentation Application / Processing Missing Document  Missing Document: Approval not provided   Approval is missing.       Reviewer Comment (2026-03-13): Received Loan Underwriting and Transmittal Summary (1008) / MCAW. Exception cleared.


Seller Comment (2026-03-12): Comment from XXXX (XXXX): Please see attached,
 03/13/2026     1 C A C A C A C A C A   CA Primary Refinance - Cash-out - Other   C B C A B B A A   Exempt from ATR No
XXXXXX 4000111856 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-03-12): Accepted as is.
     03/12/2026 1 N/A N/A A A N/A N/A     N/A N/A   NV Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000111856 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-03-12): Accepted as is.
     03/12/2026 2 A A A A A A     B B   NV Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000118022 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-03-13): Client elects to waive
     03/13/2026 2 A A A A A A     B B   CA Primary Refinance - Cash-out - Other   C A C A A A A A   Exempt from ATR No
XXXXXX 4000118022 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-03-13): Client elects to waive
     03/13/2026 1 N/A N/A A A N/A N/A     N/A N/A   CA Primary Refinance - Cash-out - Other   C A C A A A A A   Exempt from ATR No
XXXXXX 4000118022 XXXXXX   XXXXXX     Credit Insurance Insurance Analysis Insurance Insufficient Coverage: Hazard insurance coverage amount is insufficient.   Hazard Insurance Coverage Amount is insufficient.       Reviewer Comment (2026-03-17): RCE provided. Cleared.


Seller Comment (2026-03-17): Comment from XXXX (XXXX): RCE
 03/17/2026     1 C A C A C A C A C A   CA Primary Refinance - Cash-out - Other   C A C A A A A A   Exempt from ATR No
XXXXXX 4000111612 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-03-13): Client elects to waive
     03/13/2026 1 N/A N/A A A N/A N/A     N/A N/A   CA Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000111612 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-03-13): Client elects to waive
     03/13/2026 2 A A A A A A     B B   CA Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000119600 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___ XXXX  by XXXX in file. CU or LCA not provided.       Reviewer Comment (2026-03-13): Client elects to waive
     03/13/2026 2 A A A A A A     B B   IL Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000119600 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___ XXXX  by XXXX in file. CU or LCA not provided.       Reviewer Comment (2026-03-13): Client elects to waive
     03/13/2026 1 N/A N/A A A N/A N/A     N/A N/A   IL Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000117060 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 372 Note Date:  ___; Lien Position: ___ XXXX by XXXX in file. CU or LCA not provided.       Reviewer Comment (2026-03-13): Client elects to waive
     03/13/2026 2 B B A A A A     A A   OH Primary Refinance - Cash-out - Other   D D C A B B D D   Exempt from ATR No
XXXXXX 4000117060 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 180 Note Date:  ___; Lien Position: ___ XXXX by XXXX in file. CU or LCA not provided.       Reviewer Comment (2026-03-13): Accepted as is based on meeting three RAs requirements
       3 N/A N/A A A N/A N/A     D D   OH Primary Refinance - Cash-out - Other   D D C A B B D D   Exempt from ATR No
XXXXXX 4000117060 XXXXXX   XXXXXX     Compliance Compliance Federal Compliance ECOA ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. Verification appraisal was delivered to borrower was not provided.       Reviewer Comment (2026-03-13): Client elects to waive
     03/13/2026 2 B B B B B B B B B B   OH Primary Refinance - Cash-out - Other   D D C A B B D D   Exempt from ATR No
XXXXXX 4000117060 XXXXXX   XXXXXX     Credit Credit Miscellaneous Guideline Credit Exception:   Need executed sales contract for the departure residence, and confirmation that any financing contingencies have been cleared.       Reviewer Comment (2026-03-28): Received, Clearing.


Buyer Comment (2026-03-27): Comment from XXXX (XXXX): The mortgage statement on page 386 of the loan file shows the borrower is not responsible for this payment. Please waive


Reviewer Comment (2026-03-26): This is for XXXX property that has an LOE of intent to sale.


Buyer Comment (2026-03-25): Comment from XXXX (XXXX): This is a HELOC on a primary residence. There is not sales contract please waive
 03/28/2026     1 C A C A C A C A C A   OH Primary Refinance - Cash-out - Other   D D C A B B D D   Exempt from ATR No
XXXXXX 4000118554 XXXXXX   XXXXXX     Credit Loan Package Documentation Loan File Missing Document  Missing Document: Hazard Insurance Policy not provided           Reviewer Comment (2026-03-14): Received, Clearing.


Seller Comment (2026-03-13): Comment from XXXX (XXXX): Please see attached.
 03/14/2026     1 C A C A C A C A C A   NJ Primary Refinance - Cash-out - Other   D B C B A A D B   Exempt from ATR No
XXXXXX 4000118554 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided. The provided CU and/or LCA do not provide relief. Sec ID: 138   A valid UCDP score was not provided. A secondary valuation is required to support the primary value for securitization purposes       Reviewer Comment (2026-03-19): Received, Clearing.


Seller Comment (2026-03-18): Comment from XXXX (XXXX): Please see attached.


Reviewer Comment (2026-03-14): CU score was less than XXXX.


Seller Comment (2026-03-13): Comment from XXXX (XXXX): Please see attached response.
 03/19/2026     1 D A A A D A   A D A   NJ Primary Refinance - Cash-out - Other   D B C B A A D B   Exempt from ATR No
XXXXXX 4000118554 XXXXXX   XXXXXX     Property Appraisal Reconciliation Value Discrepancy Appraisal Reconciliation Loan is to be securitized. Two valuations were provided, one of which does not support value. The provided CU and/or LCA do not provide relief. Sec ID: 143           Reviewer Comment (2026-03-30): Desk review received and supports value


Seller Comment (2026-03-30): Comment from XXXX (XXXX): Please see attached desk review.


Reviewer Comment (2026-03-21): The AVM in the file doesn't support the appraised value.


Reviewer Comment (2026-03-20): The AVM provided doesn't support the appraised value.


Seller Comment (2026-03-20): Comment from XXXX (XXXX): Please see attached.
 03/30/2026     1   A   A   A   A   A   NJ Primary Refinance - Cash-out - Other   D B C B A A D B   Exempt from ATR No
XXXXXX 4000118554 XXXXXX   XXXXXX     Credit Insurance Insurance Analysis Insurance Hazard Insurance Policy expires within 90 days of the Note Date. Hazard Insurance Policy Expiration Date ___, Note Date ___         Reviewer Comment (2026-03-19): Accepted as is.
     03/19/2026 2   B   B   B   B   B   NJ Primary Refinance - Cash-out - Other   D B C B A A D B   Exempt from ATR No
XXXXXX 4000118554 XXXXXX   XXXXXX     Property Appraisal Reconciliation Value Discrepancy Appraisal Reconciliation Loan is to be securitized. Multiple valuations were provided. One or more secondary valuations support value.  One non-supporting secondary valuation with an effective date within 12 months of note date was provided. No CU or LCA providing relief are in evidence. Sec ID: 147 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-03-30): Client elects to waive
     03/30/2026 2   A   A   A       B   NJ Primary Refinance - Cash-out - Other   D B C B A A D B   Exempt from ATR No
XXXXXX 4000119446 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-03-16): Client elects to waive
     03/16/2026 1 N/A N/A A A N/A N/A     N/A N/A   CA Primary Refinance - Cash-out - Other   B B B B A A A A   Exempt from ATR No
XXXXXX 4000119446 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-03-16): Client elects to waive
     03/16/2026 2 A A A A A A     B B   CA Primary Refinance - Cash-out - Other   B B B B A A A A   Exempt from ATR No
XXXXXX 4000119446 XXXXXX   XXXXXX     Credit Title Document Error Title The Commitment or Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. Title Evidence: ___;
State: ___		         Reviewer Comment (2026-03-16): Client elects to waive
     03/16/2026 2 B B B B B B B B B B   CA Primary Refinance - Cash-out - Other   B B B B A A A A   Exempt from ATR No
XXXXXX 4000119682 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-03-16): Client elects to waive
     03/16/2026 2 A A A A A A     B B   MA Primary Refinance - Cash-out - Other   D B D A A A D B   Exempt from ATR No
XXXXXX 4000119682 XXXXXX   XXXXXX     Credit Loan Package Documentation Closing / Title Missing Document  Missing Document: Security Instrument - Subject Lien not provided           Reviewer Comment (2026-03-17): Received Security Instrument. Exception cleared.


Seller Comment (2026-03-17): Comment from XXXX (XXXX): XXXX: Please see the attached //
 03/17/2026     1 D A D A D A D A D A   MA Primary Refinance - Cash-out - Other   D B D A A A D B   Exempt from ATR No
XXXXXX 4000119682 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided. The provided CU and/or LCA do not provide relief. Sec ID: 138   2055 appraisal provided but LCA received reflecting not eligible for relief. A supporting secondary value is required.       Reviewer Comment (2026-04-08): Received, Clearing.


Seller Comment (2026-04-07): Comment from XXXX (XXXX): XXXX: Please see the attached supporting secondary valuation.


Reviewer Comment (2026-03-19): Since the LCA was in the file and ineligible for rep and warrant relief, a secondary valuation is required to support the primary valuation for securitization purposes


Buyer Comment (2026-03-19): Comment from XXXX (XXXX): XXXX: Please note that the investor guidelines do not require a secondary valuation for HELOC transactions.
 04/08/2026     1 D A A A D A   A D A   MA Primary Refinance - Cash-out - Other   D B D A A A D B   Exempt from ATR No
XXXXXX 4000117267 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-03-13): Client elects to waive
     03/13/2026 1 N/A N/A A A N/A N/A     N/A N/A   MO Primary Refinance - Cash-out - Other   C A C A A A A A   Exempt from ATR No
XXXXXX 4000117267 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-03-13): Client elects to waive
     03/13/2026 2 A A A A A A     B B   MO Primary Refinance - Cash-out - Other   C A C A A A A A   Exempt from ATR No
XXXXXX 4000117267 XXXXXX   XXXXXX     Credit Loan Package Documentation Application / Processing Loan Package Documentation FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected.   PDI OrderedXXXX       Reviewer Comment (2026-03-16): PDI received
 03/16/2026     1 C A C A C A C A C A   MO Primary Refinance - Cash-out - Other   C A C A A A A A   Exempt from ATR No
XXXXXX 4000117267 XXXXXX   XXXXXX     Property Valuation General Valuation Valuation Product pending   XXXX  / Post Disaster Inspection + XXXX - 5 Days       Reviewer Comment (2026-03-16): PDI received


Reviewer Comment (2026-03-14): Valuation Received - XXXX
 03/16/2026     1 A A A A A A A A A A   MO Primary Refinance - Cash-out - Other   C A C A A A A A   Exempt from ATR No
XXXXXX 4000119042 XXXXXX   XXXXXX     Compliance Compliance Federal Compliance RESPA RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application RESPA Disclosure Rule (Dodd-Frank 2014): List of Homeownership Counseling Organizations not provided to applicant within three (3) business days of application. RESPA Disclosure Rule (Dodd-Frank 2014): List of Homeownership Counseling Organizations not provided to applicant within three (3) business days of application.       Reviewer Comment (2026-03-16): Client elects to waive
     03/16/2026 2 B B B B B B B B B B   MD Primary Refinance - Cash-out - Other   B B A A B B B B   Exempt from ATR No
XXXXXX 4000119042 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-03-16): Client elects to waive
     03/16/2026 2 A A A A A A     B B   MD Primary Refinance - Cash-out - Other   B B A A B B B B   Exempt from ATR No
XXXXXX 4000120129 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-03-16): Client elects to waive
     03/16/2026 1 N/A N/A A A N/A N/A     N/A N/A   CA Primary Refinance - Cash-out - Other   B B B B A A A A   Exempt from ATR No
XXXXXX 4000120129 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-03-16): Client elects to waive
     03/16/2026 2 A A A A A A     B B   CA Primary Refinance - Cash-out - Other   B B B B A A A A   Exempt from ATR No
XXXXXX 4000120129 XXXXXX   XXXXXX     Credit Title Document Error Title The Commitment or Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. Title Evidence: ___;
State: ___		         Reviewer Comment (2026-03-16): Client elects to waive
     03/16/2026 2 B B B B B B B B B B   CA Primary Refinance - Cash-out - Other   B B B B A A A A   Exempt from ATR No
XXXXXX 4000119012 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-03-16): Client elects to waive
     03/16/2026 2 A A A A A A     B B   IL Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000119012 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-03-16): Client elects to waive
     03/16/2026 1 N/A N/A A A N/A N/A     N/A N/A   IL Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000118126 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-03-16): Client elects to waive
     03/16/2026 2 A A A A A A     B B   WI Primary Refinance - Cash-out - Other   C A C A A A A A   Exempt from ATR No
XXXXXX 4000118126 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___ CU and/or LCA Risk Score is <= XXXX however secondary appraisal available in file hence updated.       Reviewer Comment (2026-03-16): Client elects to waive
     03/16/2026 1 N/A N/A A A N/A N/A     N/A N/A   WI Primary Refinance - Cash-out - Other   C A C A A A A A   Exempt from ATR No
XXXXXX 4000118126 XXXXXX   XXXXXX     Credit Loan Package Documentation Application / Processing Missing Document  Missing Document: Tax Certificate not provided           Reviewer Comment (2026-03-31): Received Tax Certificate. Exception cleared.


Seller Comment (2026-03-30): Comment from XXXX (XXXX): Please see attached
 03/31/2026     1 C A C A C A C A C A   WI Primary Refinance - Cash-out - Other   C A C A A A A A   Exempt from ATR No
XXXXXX 4000118298 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-03-16): Client elects to waive
     03/16/2026 1 N/A N/A A A N/A N/A     N/A N/A   WA Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000118298 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-03-16): Client elects to waive
     03/16/2026 2 A A A A A A     B B   WA Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000118440 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___ Secondary valuation not required in Heloc Second lien file .       Reviewer Comment (2026-03-17): Accepted as is.
     03/17/2026 1 N/A N/A A A N/A N/A     N/A N/A   CA Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000118440 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-03-17): Accepted as is.
     03/17/2026 2 A A A A A A     B B   CA Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000117973 XXXXXX   XXXXXX     Credit Insurance Insurance Analysis Insurance Insufficient Coverage: Hazard insurance coverage amount is insufficient.   File did not contain an estimated cost to replace from the insurer.  Calculations are based on XXXX % of the insurable value of the improvements (from appraiser cost provided or if no appraiser cost the purchase price) using agency calculation methods.  Coverage is insufficient at $XXXX .  Coverage does not cover UPB of 1st and 2nd liens.       Reviewer Comment (2026-03-18): RCE received


Seller Comment (2026-03-18): Comment from XXXX (XXXX): Please see attached RCE.
 03/18/2026     1 C A C A C A C A C A   WA Second Home Refinance - Cash-out - Other   C A C A A A A A   Exempt from ATR No
XXXXXX 4000117973 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___ Secondary valuation is not required for second lien files as per HELOC program.       Reviewer Comment (2026-03-18): Accepted as is.


Reviewer Comment (2026-03-18): Client elects to waive
     03/18/2026 1 N/A N/A A A N/A N/A     N/A N/A   WA Second Home Refinance - Cash-out - Other   C A C A A A A A   Exempt from ATR No
XXXXXX 4000117973 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___ Secondary valuation is not required for second lien files as per HELOC program.       Reviewer Comment (2026-03-18): Accepted as is.


Reviewer Comment (2026-03-18): Client elects to waive
     03/18/2026 2 A A A A A A     B B   WA Second Home Refinance - Cash-out - Other   C A C A A A A A   Exempt from ATR No
XXXXXX 4000113869 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___ AVM provided for second lien files as per HELOC program.       Reviewer Comment (2026-03-19): Accepted as is.
     03/19/2026 2 A A A A A A     B B   FL Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000113869 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___ Loan is to be securitized. AVM was provided, with no CU or LCA.       Reviewer Comment (2026-03-19): Accepted as is.
     03/19/2026 1 N/A N/A A A N/A N/A     N/A N/A   FL Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000114518 XXXXXX   XXXXXX     Property Appraisal Reconciliation Appraisal Documentation Appraisal Reconciliation Appraisal from prior transaction provided. No secondary valuation with effective date less than 3 months past note date provided. Sec ID: 156 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-03-18): Accepted as is.
     03/18/2026 1 N/A N/A A A N/A N/A     N/A N/A   CA Investment Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000119683 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-03-19): Accepted as is.
     03/19/2026 1 N/A N/A A A N/A N/A     N/A N/A   MT Primary Refinance - Cash-out - Other   B B A A B B A A   Exempt from ATR No
XXXXXX 4000119683 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___ AVM was provided for HELOC.       Reviewer Comment (2026-03-19): Accepted as is.
     03/19/2026 2 A A A A A A     B B   MT Primary Refinance - Cash-out - Other   B B A A B B A A   Exempt from ATR No
XXXXXX 4000119683 XXXXXX   XXXXXX     Compliance Compliance State Compliance State Late Charge Montana Late Charge Percent and Amount Testing XXXX Charge: Note late charge amount of $XXXX exceeds the state maximum of $XXXX .         Reviewer Comment (2026-03-19): Accepted as is.
     03/19/2026 2 B B B B B B B B B B   MT Primary Refinance - Cash-out - Other   B B A A B B A A   Exempt from ATR No
XXXXXX 4000116767 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided. The provided CU and/or LCA do not provide relief. Sec ID: 138           Reviewer Comment (2026-04-17): CDA received and supports value


Seller Comment (2026-04-17): Comment from XXXX (XXXX): CDA


Reviewer Comment (2026-04-06): A valid UCDP score was not provided. A secondary valuation is required to support the primary value for securitization purposes. Exception remains.


Buyer Comment (2026-04-06): Comment from XXXX (XXXX): The loan amount is $XXXX this does not need an additional/secondary valuation please clear this loan to close.


Reviewer Comment (2026-03-27): Please send a request to XXXX directly to order a secondary value.


Seller Comment (2026-03-27): Comment from XXXX (XXXX): If the investor needs additional secondary valuation, per XXXX, XXXX will order
 04/17/2026     1 D A A A D A   A D A   CA Investment Refinance - Cash-out - Other   D A D A A A D A   Exempt from ATR No
XXXXXX 4000116767 XXXXXX   XXXXXX     Credit Loan Package Documentation Closing / Title Missing Document  Missing Document: Security Instrument - Subject Lien not provided   Security Instrument - Subject Lien is missing       Reviewer Comment (2026-04-06): Received Security Instrument - Subject Lien. Exception cleared.


Seller Comment (2026-04-06): Comment from XXXX (XXXX): This was apart of the original collateral file


Reviewer Comment (2026-03-27): Security Instrument not provided. Exception remains.


Buyer Comment (2026-03-27): Comment from XXXX (XXXX): This is located on pages 11-16 of the collateral file that was provided
 04/06/2026     1 D A D A D A D A D A   CA Investment Refinance - Cash-out - Other   D A D A A A D A   Exempt from ATR No
XXXXXX 4000119856 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___ AVM was used to qualify for a HELOC       Reviewer Comment (2026-03-19): Accepted as is.
     03/19/2026 2 A A A A A A     B B   CA Primary Refinance - Cash-out - Other   B B B B A A A A   Exempt from ATR No
XXXXXX 4000119856 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___ One valuation was provided, with no CU or LCA.       Reviewer Comment (2026-03-19): Accepted as is.
     03/19/2026 1 N/A N/A A A N/A N/A     N/A N/A   CA Primary Refinance - Cash-out - Other   B B B B A A A A   Exempt from ATR No
XXXXXX 4000119856 XXXXXX   XXXXXX     Credit Title Document Error Title The Commitment or Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. Title Evidence: ___;
State: ___		 Policy amount provided on Escrow instructions located on doc #D0211. MS       Reviewer Comment (2026-03-19): Accepted as is.
     03/19/2026 2 B B B B B B B B B B   CA Primary Refinance - Cash-out - Other   B B B B A A A A   Exempt from ATR No
XXXXXX 4000119244 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-03-18): Accepted as is.


Reviewer Comment (2026-03-18): Client elects to waive
     03/18/2026 2 A A A A A A     B B   IN Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000119244 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-03-18): Client elects to waive
     03/18/2026 1 N/A N/A A A N/A N/A     N/A N/A   IN Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000120374 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___ Loan is to be securitized. One valuation was provided, with no CU or LCA.       Reviewer Comment (2026-03-19): Accepted as is.
     03/19/2026 1 N/A N/A A A N/A N/A     N/A N/A   VA Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000119334 XXXXXX   XXXXXX     Credit Insurance Insurance Analysis Insurance Hazard Insurance Policy expires within 90 days of the Note Date. Hazard Insurance Policy Expiration Date ___, Note Date ___ Hazard Insurance Policy expires within 90 days of the Note Date.       Reviewer Comment (2026-03-18): Accepted as is.
     03/18/2026 2 B B B B B B B B B B   CA Primary Refinance - Cash-out - Other   B B B B A A A A   Exempt from ATR No
XXXXXX 4000119334 XXXXXX   XXXXXX     Credit Title Document Error Title The Commitment or Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. Title Evidence: ___;
State: ___		 The Preliminary title policy is within XXXX or XXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided.       Reviewer Comment (2026-03-18): Accepted as is.
     03/18/2026 2 B B B B B B B B B B   CA Primary Refinance - Cash-out - Other   B B B B A A A A   Exempt from ATR No
XXXXXX 4000119334 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___ Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date       Reviewer Comment (2026-03-18): Accepted as is.
     03/18/2026 2 A A A A A A     B B   CA Primary Refinance - Cash-out - Other   B B B B A A A A   Exempt from ATR No
XXXXXX 4000119334 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-03-18): Accepted as is.
     03/18/2026 1 N/A N/A A A N/A N/A     N/A N/A   CA Primary Refinance - Cash-out - Other   B B B B A A A A   Exempt from ATR No
XXXXXX 4000119053 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___ XXXX AVM dated XXXX  in file. CU or LCA not provided.       Reviewer Comment (2026-03-20): Accepted as is.
     03/20/2026 1 N/A N/A A A N/A N/A     N/A N/A   NH Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000119053 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___ XXXX AVM is dated XXXX  The Application is dated XXXX . The Note is dated XXXX       Reviewer Comment (2026-03-20): Accepted as is.
     03/20/2026 2 A A A A A A     B B   NH Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000114632 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-03-20): Accepted as is.
     03/20/2026 1 N/A N/A A A N/A N/A     N/A N/A   CT Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000114632 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-03-20): Accepted as is.
     03/20/2026 2 A A A A A A     B B   CT Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000120369 XXXXXX   XXXXXX     Credit Title General Title Title Policy Coverage is less than Original Loan Amount. The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file.         Reviewer Comment (2026-03-20): Accepted as is.
     03/20/2026 2 B B B B B B B B B B   CA Primary Refinance - Cash-out - Other   C B C B A A B B   Exempt from ATR No
XXXXXX 4000120369 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-03-20): Accepted as is.
     03/20/2026 2 A A A A A A     B B   CA Primary Refinance - Cash-out - Other   C B C B A A B B   Exempt from ATR No
XXXXXX 4000120369 XXXXXX   XXXXXX     Credit Insurance Insurance Analysis Insurance Insufficient Coverage: Hazard insurance coverage amount is insufficient.   Hazard insurance coverage is short $XXXX .       Reviewer Comment (2026-03-25): Received Replacement Cost Estimator and the shortfall is covered. Exception cleared.


Seller Comment (2026-03-25): Comment from XXXX (XXXX): XXXX: Please note that the replacement cost was documented to be $XXXX and the dwelling coverage of $XXXX is sufficient.
 03/25/2026     1 C A C A C A C A C A   CA Primary Refinance - Cash-out - Other   C B C B A A B B   Exempt from ATR No
XXXXXX 4000118649 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-03-20): Accepted as is.
     03/20/2026 1 N/A N/A A A N/A N/A     N/A N/A   VA Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000118649 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-03-20): Accepted as is.
     03/20/2026 2 A A A A A A     B B   VA Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000120368 XXXXXX   XXXXXX     Property Appraisal Reconciliation Appraisal Documentation Appraisal Reconciliation Appraisal from prior transaction provided. No secondary valuation with effective date less than 3 months past note date provided. Sec ID: 156 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-03-20): Accepted as is.
     03/20/2026 1 N/A N/A A A N/A N/A     N/A N/A   GA Primary Refinance - Cash-out - Other   C A C A A A A A   Exempt from ATR No
XXXXXX 4000120368 XXXXXX   XXXXXX     Credit Insurance Insurance Analysis Insurance Insufficient Coverage: Hazard insurance coverage amount is insufficient.   Hazard Insurance Coverage Amount is insufficient by $XXXX .       Reviewer Comment (2026-03-25): Received updated Hazard Insurance document reflects Dwelling Coverage of $XXXX and XXXX% Extended Replacement Coverage of $XXXX, and the shortfall is covered. Exception cleared.


Seller Comment (2026-03-25): Comment from XXXX (XXXX): XXXX: Please see attached policy. The declarations page shows an increased dwelling endorsement and the policy with the incorrect mortgagee clause shows this is good for $XXXX. The new policy was obtained to update the mortgagee.
 03/25/2026     1 C A C A C A C A C A   GA Primary Refinance - Cash-out - Other   C A C A A A A A   Exempt from ATR No
XXXXXX 4000119286 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___ Loan is to be securitized. One valuation was provided, with no CU or LCA.       Reviewer Comment (2026-03-20): Accepted as is.
     03/20/2026 1 N/A N/A A A N/A N/A     N/A N/A   GA Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000119286 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___ Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date.       Reviewer Comment (2026-03-20): Accepted as is.
     03/20/2026 2 A A A A A A     B B   GA Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000120128 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___ Loan is to be securitized. One valuation was provided, with no CU or LCA       Reviewer Comment (2026-03-20): Accepted as is.
     03/20/2026 1 N/A N/A A A N/A N/A     N/A N/A   MI Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000120128 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___ Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date.       Reviewer Comment (2026-03-20): Accepted as is.
     03/20/2026 2 A A A A A A     B B   MI Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000113996 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___ XXXX AVM in file dated XXXX . CU or LCA not provided.       Reviewer Comment (2026-03-20): Accepted as is.
     03/20/2026 1 N/A N/A A A N/A N/A     N/A N/A   DE Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000113996 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___ XXXX AVM is dated XXXX . The Application date is XXXX . The Note date is XXXX       Reviewer Comment (2026-03-20): Accepted as is.
     03/20/2026 2 A A A A A A     B B   DE Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000121298 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-03-20): Accepted as is.
     03/20/2026 1 N/A N/A A A N/A N/A     N/A N/A   CA Investment Refinance - Cash-out - Other   C A C A A A A A   Exempt from ATR No
XXXXXX 4000121298 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-03-20): Accepted as is.
     03/20/2026 2 A A A A A A     B B   CA Investment Refinance - Cash-out - Other   C A C A A A A A   Exempt from ATR No
XXXXXX 4000121298 XXXXXX   XXXXXX     Credit Income / Employment Income Documentation Missing Document  REO Documents are missing. -         Reviewer Comment (2026-03-20): Received HOA. Exception cleared.


Seller Comment (2026-03-20): Comment from XXXX (XXXX): HOA statement
 03/20/2026     1 C A C A C A C A C A   CA Investment Refinance - Cash-out - Other   C A C A A A A A   Exempt from ATR No
XXXXXX 4000117976 XXXXXX   XXXXXX     Compliance Compliance Federal Compliance TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act:  Subject loan transaction disbursed on XXXX , prior to three (3) business days from transaction date of XXXX Loan Disbursement date is XXXX . Transaction date is XXXX       Reviewer Comment (2026-03-23): Received, Clearing.


Seller Comment (2026-03-21): Comment from XXXX (XXXX): Please advise what is needed, this is a HELOC loan so no CD to provide, but attached is our final settlement statement showing we actually disbursed on XXXX, not XXXX. Please re-review and advise or clear.
 03/23/2026     1 C A C A C A C A C A   CA Primary Refinance - Cash-out - Other TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form D A C A C A D A   Exempt from ATR Yes
XXXXXX 4000117976 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___ Appraisal is missing.       Reviewer Comment (2026-03-20): Accepted as is.
     03/20/2026 2 A A A A A A     B B   CA Primary Refinance - Cash-out - Other   D A C A C A D A   Exempt from ATR No
XXXXXX 4000117976 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. No eligible primary ("Use for LTV") valuation was provided. Sec ID: 135   Appraisal is missing.       Reviewer Comment (2026-03-24): Received, Clearing.


Seller Comment (2026-03-23): Comment from XXXX (XXXX): Please see AVM report to clear condition
 03/24/2026     1 D A D A D A   A D A   CA Primary Refinance - Cash-out - Other   D A C A C A D A   Exempt from ATR No
XXXXXX 4000117976 XXXXXX   XXXXXX     Credit Missing Document General Missing Document Missing Document: AVM not provided   AVM is missing.       Reviewer Comment (2026-03-23): Received AVM. Exception cleared.


Seller Comment (2026-03-23): Comment from XXXX (XXXX): Please see attached AVM report to clear condition
 03/23/2026     1 C A C A C A C A C A   CA Primary Refinance - Cash-out - Other   D A C A C A D A   Exempt from ATR No
XXXXXX 4000117976 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-03-24): Accepted as is.
     03/24/2026 1   N/A   A   N/A       N/A   CA Primary Refinance - Cash-out - Other   D A C A C A D A   Exempt from ATR No
XXXXXX 4000120130 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-03-20): Accepted as is.
     03/20/2026 1 N/A N/A A A N/A N/A     N/A N/A   NY Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000120658 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-03-20): Accepted as is.
     03/20/2026 2 A A A A A A     B B   CA Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000120658 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-03-20): Accepted as is.
     03/20/2026 1 N/A N/A A A N/A N/A     N/A N/A   CA Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000117155 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___ Secondary valuation not required in Heloc Second lien file .       Reviewer Comment (2026-03-20): Accepted as is.
     03/20/2026 1 N/A N/A A A N/A N/A     N/A N/A   NC Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000117155 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___ Secondary valuation not required in Heloc Second lien file .       Reviewer Comment (2026-03-20): Accepted as is.
     03/20/2026 2 A A A A A A     B B   NC Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000119854 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-03-20): Accepted as is.
     03/20/2026 2 A A A A A A     B B   VA Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000119854 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-03-20): Accepted as is.
     03/20/2026 1 N/A N/A A A N/A N/A     N/A N/A   VA Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000120127 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-03-20): Accepted as is.
     03/20/2026 2 A A A A A A     B B   CA Primary Refinance - Cash-out - Other   B B A A A A B B   Exempt from ATR No
XXXXXX 4000120531 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___ Secondary valuation not required in Heloc Second lien file .       Reviewer Comment (2026-03-20): Accepted as is.
     03/20/2026 2 A A A A A A     B B   CA Primary Refinance - Cash-out - Other   B B A A A A B B   Exempt from ATR No
XXXXXX 4000115603 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-03-20): Accepted as is.
     03/20/2026 1 N/A N/A A A N/A N/A     N/A N/A   NC Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000115603 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-03-20): Accepted as is.
     03/20/2026 2 A A A A A A     B B   NC Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000120371 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-03-20): Accepted as is.
     03/20/2026 2 A A A A A A     B B   AZ Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000120371 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___ One valuation was provided, with no CU or LCA.       Reviewer Comment (2026-03-20): Accepted as is.
     03/20/2026 1 N/A N/A A A N/A N/A     N/A N/A   AZ Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000116863 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-03-23): Accepted as is.
     03/23/2026 1 N/A N/A A A N/A N/A     N/A N/A   CA Investment Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000116863 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-03-23): Accepted as is.
     03/23/2026 2 A A A A A A     B B   CA Investment Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000118918 XXXXXX   XXXXXX     Compliance Compliance Federal Compliance TILA Truth in Lending Act (HELOC): Fee amounts for testing were sourced from one or more fee documents in file containing higher amounts than that reflected on HELOC Agreement. Truth in Lending Act (HELOC): Fee amounts were sourced from multiple disclosures containing higher amounts than that reflected on HELOC Agreement. Fee amounts were sourced from multiple disclosures containing higher amounts than that reflected on HELOC Agreement.       Reviewer Comment (2026-03-23): Accepted as is.
     03/23/2026 2 A A A A A A A A A A   CA Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000118918 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-03-23): Accepted as is.
     03/23/2026 1 N/A N/A A A N/A N/A     N/A N/A   CA Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000120636 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided. The provided CU and/or LCA do not provide relief. Sec ID: 138   A valid UCDP score was not provided. A secondary valuation is required to support the primary value for securitization purposes       Reviewer Comment (2026-03-26): AVM, cleared


Seller Comment (2026-03-26): Comment from XXXX (XXXX): XXXX - xxx: Please see attached.
 03/26/2026     1 D A A A D A   A D A   NY Primary Refinance - Cash-out - Other   D A A A A A D A   Exempt from ATR No
XXXXXX 4000118506 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-03-24): Accepted as is.
     03/24/2026 1 N/A N/A A A N/A N/A     N/A N/A   MS Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000118506 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-03-24): Accepted as is.
     03/24/2026 2 A A A A A A     B B   MS Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000120532 XXXXXX   XXXXXX     Compliance Compliance Federal Compliance Cross Collateralized Cross Collateralized Mortgage Loan There are multiple properties securing the repayment of this loan. (XXXX )  The property evaluated for the compliance review is based on occupancy type and then based on the property with the highest value.         Reviewer Comment (2026-03-24): Accepting as is.
     03/24/2026 2 B B B B B B B B B B   CA Primary Refinance - Cash-out - Other   B B A A B B A A   Exempt from ATR No
XXXXXX 4000115150 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-03-24): Accepted as is.
     03/24/2026 1 N/A N/A A A N/A N/A     N/A N/A   CA Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000115150 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-03-24): Accepted as is.
     03/24/2026 2 A A A A A A     B B   CA Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000118335 XXXXXX   XXXXXX     Compliance Compliance Federal Compliance ECOA ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. Verification appraisal was delivered to borrower was not provided.       Reviewer Comment (2026-03-25): Accepted as is.
     03/25/2026 2 B B B B B B B B B B   CT Investment Refinance - Cash-out - Other   D D C A B B D D   Exempt from ATR No
XXXXXX 4000118335 XXXXXX   XXXXXX     Credit Loan Package Documentation Application / Processing Loan Package Documentation FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected.   PDI Ordered XXXX       Reviewer Comment (2026-03-26): Received, Clearing.
 03/26/2026     1 C A C A C A C A C A   CT Investment Refinance - Cash-out - Other   D D C A B B D D   Exempt from ATR No
XXXXXX 4000118335 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 180 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-03-25): Accepted as is based on meeting three RAs requirements.
       3 N/A N/A A A N/A N/A     D D   CT Investment Refinance - Cash-out - Other   D D C A B B D D   Exempt from ATR No
XXXXXX 4000118335 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 372 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-03-25): Accepted as is.
     03/25/2026 2 B B A A A A     A A   CT Investment Refinance - Cash-out - Other   D D C A B B D D   Exempt from ATR No
XXXXXX 4000118335 XXXXXX   XXXXXX     Property Valuation General Valuation Valuation Product pending   XXXX / Post Disaster Inspection + XXXX - 5 Days       Reviewer Comment (2026-03-26): Received, Clearing.


Reviewer Comment (2026-03-25): Valuation Received - XXXX
 03/26/2026     1   A   A   A   A   A   CT Investment Refinance - Cash-out - Other   D D C A B B D D   Exempt from ATR No
XXXXXX 4000119807 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___ Secondary valuation is not required for second lien files as per HELOC program.       Reviewer Comment (2026-03-25): Accepted as is.
     03/25/2026 1 N/A N/A A A N/A N/A     N/A N/A   OH Primary Refinance - Cash-out - Other   B B A A B B A A   Exempt from ATR No
XXXXXX 4000119807 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___ Secondary valuation is not required for second lien files as per HELOC program.       Reviewer Comment (2026-03-25): Accepted as is.
     03/25/2026 2 A A A A A A     B B   OH Primary Refinance - Cash-out - Other   B B A A B B A A   Exempt from ATR No
XXXXXX 4000119807 XXXXXX   XXXXXX     Compliance Compliance State Compliance Misc. State Level Ohio Consumer Sales Practices Act Acknowledgement of Receipt of Home Mortgage Loan Information Document Not Signed) Ohio Consumer Sales Practices Act: Acknowledgement of Receipt of Home Mortgage Loan Information Document not signed by borrower(s).         Reviewer Comment (2026-03-25): Accepted as is.
     03/25/2026 2 B B B B B B B B B B   OH Primary Refinance - Cash-out - Other   B B A A B B A A   Exempt from ATR No
XXXXXX 4000119807 XXXXXX   XXXXXX     Compliance Compliance State Compliance Misc. State Level Ohio Consumer Sales Practices Act (No Documentation of Tangible Net Benefit Analysis) Ohio Consumer Sales Practices Act:  Mortgage loan file does not contain documentation of the analysis of the borrower's reasonable tangible net benefit.         Reviewer Comment (2026-03-25): Accepted as is.
     03/25/2026 2 B B B B B B B B B B   OH Primary Refinance - Cash-out - Other   B B A A B B A A   Exempt from ATR No
XXXXXX 4000120210 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___ Loan is to be securitized. One valuation was provided, with no CU or LCA.       Reviewer Comment (2026-03-25): Accepted as is.
     03/25/2026 1 N/A N/A A A N/A N/A     N/A N/A   IN Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000120210 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___ Loan is to be securitized. One valuation was provided with an effective date between application date and note date.       Reviewer Comment (2026-03-25): Accepted as is.
     03/25/2026 2 A A A A A A     B B   IN Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000122879 XXXXXX   XXXXXX     Compliance Compliance Federal Compliance ECOA ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. Verification appraisal was delivered to borrower was not provided.       Reviewer Comment (2026-03-25): Accepted as is.
     03/25/2026 2 B B B B B B B B B B   AL Primary Refinance - Cash-out - Other   D D C A B B D D   Exempt from ATR No
XXXXXX 4000122879 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 180 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-03-25): Accepted as is based on meeting three RAs requirements
       3 N/A N/A A A N/A N/A     D D   AL Primary Refinance - Cash-out - Other   D D C A B B D D   Exempt from ATR No
XXXXXX 4000122879 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 372 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-03-25): Accepted as is.
     03/25/2026 2 B B A A A A     A A   AL Primary Refinance - Cash-out - Other   D D C A B B D D   Exempt from ATR No
XXXXXX 4000122879 XXXXXX   XXXXXX     Credit Income / Employment Income Documentation Missing Document  REO Documents are missing. - ___ Need the insurance documentation for this property.       Reviewer Comment (2026-04-07): Received, Clearing.


Seller Comment (2026-04-06): Comment from XXXX (XXXX): Property is owned free and clear. Please see LOE
 04/07/2026     1 C A C A C A C A C A   AL Primary Refinance - Cash-out - Other   D D C A B B D D   Exempt from ATR No
XXXXXX 4000118628 XXXXXX   XXXXXX     Property Appraisal Reconciliation Value Discrepancy Appraisal Reconciliation Loan is to be securitized. Two valuations were provided, one of which does not support value. No CU or LCA provided. Sec ID: 142   Loan is to be securitized. One valuation was provided, with no CU or LCA.       Reviewer Comment (2026-04-08): Received, Clearing.


Seller Comment (2026-04-08): Comment from XXXX (XXXX): Please see attached
 04/08/2026     1 C A A A C A   A D A   ID Primary Refinance - Cash-out - Other   D B A A A A D B   Exempt from ATR No
XXXXXX 4000118628 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___ Secondary valuation is not required for second lien files as per HELOC program.       Reviewer Comment (2026-03-25): Accepted as is.
     03/25/2026 2 A A A A A A     B B   ID Primary Refinance - Cash-out - Other   D B A A A A D B   Exempt from ATR No
XXXXXX 4000118628 XXXXXX   XXXXXX     Property Appraisal Reconciliation Value Discrepancy Appraisal Reconciliation Loan is to be securitized. Multiple valuations were provided. One or more secondary valuations support value.  One non-supporting secondary valuation with an effective date within 12 months of note date was provided. No CU or LCA providing relief are in evidence. Sec ID: 147 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-04-08): Accepted as is.
     04/08/2026 2   A   A   A       B   ID Primary Refinance - Cash-out - Other   D B A A A A D B   Exempt from ATR No
XXXXXX 4000120082 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-03-25): Accepted as is.
     03/25/2026 1 N/A N/A A A N/A N/A     N/A N/A   CT Primary Refinance - Cash-out - Other   C A C A A A A A   Exempt from ATR No
XXXXXX 4000120082 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-03-25): Accepted as is.
     03/25/2026 2 A A A A A A     B B   CT Primary Refinance - Cash-out - Other   C A C A A A A A   Exempt from ATR No
XXXXXX 4000120082 XXXXXX   XXXXXX     Credit Income / Employment Income Documentation Income / Employment Income Docs Missing: - A minimum history of two years of employment income is required as per guidelines. Hence, VVOE for co-borrower's prior employment at XXXX / XXXX  is required.       Reviewer Comment (2026-04-14): Received VVOE. Exception cleared.


Seller Comment (2026-04-14): Comment from XXXX (XXXX): Please see attached
 04/14/2026     1 C A C A C A C A C A   CT Primary Refinance - Cash-out - Other   C A C A A A A A   Exempt from ATR No
XXXXXX 4000117167 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-03-25): Accepted as is.
     03/25/2026 2 A A A A A A     B B   MD Investment Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000117167 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-03-25): Accepted as is.
     03/25/2026 1 N/A N/A A A N/A N/A     N/A N/A   MD Investment Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000113447 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided. The provided CU and/or LCA do not provide relief. Sec ID: 138           Reviewer Comment (2026-04-07): Received, Clearing.


Seller Comment (2026-04-07): Comment from XXXX (XXXX): XXXX: Please see the attached CDA from XXXX supporting the second valuation.


Reviewer Comment (2026-03-30): Since the FNMA and Freddie Mac UCDPs are in the file and are failing, a secondary valuation is required to support the primary appraisal for securitization purposes.


Seller Comment (2026-03-30): Comment from XXXX (XXXX): XXXX: HELOC does not require a secondary valuation and a full appraisal was provided.
 04/07/2026     1 D A A A D A   A D A   CA Investment Refinance - Cash-out - Other   D A A A A A D A   Exempt from ATR No
XXXXXX 4000119766 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___ The file is missing a copy of the secondary valuation required for securitization purposes.       Reviewer Comment (2026-03-26): Accepted as is.
     03/26/2026 1 N/A N/A A A N/A N/A     N/A N/A   NY Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000119766 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___ The file is missing a copy of the secondary valuation required for securitization purposes.       Reviewer Comment (2026-03-26): Accepted as is.
     03/26/2026 2 A A A A A A     B B   NY Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000120019 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-03-25): Accepted as is.
     03/25/2026 2 A A A A A A     B B   FL Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000120019 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-03-25): Accepted as is.
     03/25/2026 1 N/A N/A A A N/A N/A     N/A N/A   FL Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000118736 XXXXXX   XXXXXX     Credit Insurance Insurance Analysis Insurance Hazard Insurance Policy expires within 90 days of the Note Date. Hazard Insurance Policy Expiration Date ___, Note Date ___ Hazard Insurance Policy expires within 90 days of the Note Date.       Reviewer Comment (2026-03-25): Accepted as is.
     03/25/2026 2 B B B B B B B B B B   OR Primary Refinance - Cash-out - Other   B B B B A A A A   Exempt from ATR No
XXXXXX 4000118736 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___ Loan is to be securitized. One valuation was provided, with no CU or LCA       Reviewer Comment (2026-03-25): Accepted as is.
     03/25/2026 1 N/A N/A A A N/A N/A     N/A N/A   OR Primary Refinance - Cash-out - Other   B B B B A A A A   Exempt from ATR No
XXXXXX 4000118736 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___ Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date.       Reviewer Comment (2026-03-25): Accepted as is.
     03/25/2026 2 A A A A A A     B B   OR Primary Refinance - Cash-out - Other   B B B B A A A A   Exempt from ATR No
XXXXXX 4000120487 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___ Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date.       Reviewer Comment (2026-03-25): Accepted as is.
     03/25/2026 2 A A A A A A     B B   FL Primary Refinance - Cash-out - Other   B B A A A A B B   Exempt from ATR No
XXXXXX 4000120538 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-03-27): Accepted as is.
     03/27/2026 1 N/A N/A A A N/A N/A     N/A N/A   CO Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000120538 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-03-27): Accepted as is.
     03/27/2026 2 A A A A A A     B B   CO Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000120577 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___ Loan is to be securitized. One valuation was provided, with no CU or LCA.       Reviewer Comment (2026-03-27): Accepted as is.
     03/27/2026 1 N/A N/A A A N/A N/A     N/A N/A   WA Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000120577 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___ Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date.       Reviewer Comment (2026-03-27): Accepted as is.
     03/27/2026 2 A A A A A A     B B   WA Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000120562 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-03-27): Accepted as is.
     03/27/2026 1 N/A N/A A A N/A N/A     N/A N/A   VA Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000120562 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-03-27): Accepted as is.
     03/27/2026 2 A A A A A A     B B   VA Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000120562 XXXXXX   XXXXXX     Compliance Compliance Federal Compliance TILA Truth in Lending Act (HELOC): Fee amounts for testing were sourced from one or more fee documents in file containing higher amounts than that reflected on HELOC Agreement. Truth in Lending Act (HELOC): Fee amounts were sourced from multiple disclosures containing higher amounts than that reflected on HELOC Agreement.         Reviewer Comment (2026-03-27): Accepted as is.
     03/27/2026 2 A A A A A A A A A A   VA Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000118238 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-03-27): Accepted as is.
     03/27/2026 2 A A A A A A     B B   NC Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000118238 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-03-27): Accepted as is.
     03/27/2026 1 N/A N/A A A N/A N/A     N/A N/A   NC Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000118345 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-03-27): Accepted as is.
     03/27/2026 1 N/A N/A A A N/A N/A     N/A N/A   FL Investment Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000118345 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-03-27): Accepted as is.
     03/27/2026 2 A A A A A A     B B   FL Investment Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000120370 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___ Title policy is Preliminary or Commitment, and not a Final Title policy       Reviewer Comment (2026-03-27): Accepted as is.
     03/27/2026 1 N/A N/A A A N/A N/A     N/A N/A   FL Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000120370 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___ Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date.       Reviewer Comment (2026-03-27): Accepted as is.
     03/27/2026 2 A A A A A A     B B   FL Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000119853 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___ Loan is to be securitized. One valuation was provided, with no CU or LCA       Reviewer Comment (2026-03-27): Accepted as is.
     03/27/2026 1 N/A N/A A A N/A N/A     N/A N/A   KY Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000119853 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___ Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date.       Reviewer Comment (2026-03-27): Accepted as is.
     03/27/2026 2 A A A A A A     B B   KY Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000117223 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___ XXXX  is dated XXXX . The Application date is XXXX . The Note date is XXXX       Reviewer Comment (2026-03-27): Accepted as is.
     03/27/2026 2 A A A A A A     B B   NY Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000117223 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___ XXXX  dated XXXX  in file. CU or LCA not provided.       Reviewer Comment (2026-03-27): Accepted as is.
     03/27/2026 1 N/A N/A A A N/A N/A     N/A N/A   NY Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000120238 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-03-30): Client elects to waive
     03/30/2026 1 N/A N/A A A N/A N/A     N/A N/A   GA Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000120238 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-03-30): Client elects to waive
     03/30/2026 2 A A A A A A     B B   GA Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000120373 XXXXXX   XXXXXX     Credit Title General Title Title Policy Coverage is less than Original Loan Amount. The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. The Title Policy Amount of $XXXX is less than the note amount of $XXXX based on the Preliminary in file.       Reviewer Comment (2026-03-30): Client elects to waive
     03/30/2026 2 B B B B B B B B B B   CA Primary Refinance - Cash-out - Other   C B C B A A A A   Exempt from ATR No
XXXXXX 4000120373 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___ Loan is to be securitized. One valuation was provided, with no CU or LCA       Reviewer Comment (2026-03-30): Client elects to waive
     03/30/2026 1 N/A N/A A A N/A N/A     N/A N/A   CA Primary Refinance - Cash-out - Other   C B C B A A A A   Exempt from ATR No
XXXXXX 4000120373 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___ Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date.       Reviewer Comment (2026-03-30): Client elects to waive
     03/30/2026 2 A A A A A A     B B   CA Primary Refinance - Cash-out - Other   C B C B A A A A   Exempt from ATR No
XXXXXX 4000120373 XXXXXX   XXXXXX     Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Guideline Requirement: Investor qualifying total debt ratio discrepancy.   Calculated investor qualifying total debt ratio of XXXX % exceeds Guideline total debt ratio of XXXX %. Verified Debt $XXXX Included the XXXX accounts as appears on Credit report.  Verified Income $XXXX       Reviewer Comment (2026-04-02): Two loans being paid with proceeds can be excluded as there are less than 10 payments remaining for each. DTI now meets guidelines.


Reviewer Comment (2026-04-02): EXCEPTION HISTORY - Exception Explanation was updated on XXXX PRIOR Exception Explanation: Calculated investor qualifying total debt ratio of XXXX% exceeds Guideline total debt ratio of XXXX%.


Seller Comment (2026-04-02): Comment from XXXX (XXXX): XXXX: Please see the attached document showing the breakdown of the income and the debt showing the total DTI for the file.
 04/02/2026     1 C A C A C A C A C A   CA Primary Refinance - Cash-out - Other   C B C B A A A A   Exempt from ATR No
XXXXXX 4000121237 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___ Secondary valuation is not required for second lien files as per HELOC program.       Reviewer Comment (2026-03-30): Client elects to waive
     03/30/2026 1 N/A N/A A A N/A N/A     N/A N/A   NJ Investment Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000121237 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___ Secondary valuation is not required for second lien files as per HELOC program.       Reviewer Comment (2026-03-30): Client elects to waive
     03/30/2026 2 A A A A A A     B B   NJ Investment Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000120201 XXXXXX   XXXXXX     Credit Title Document Error Title The Commitment or Preliminary title policy does not reflect a coverage amount (no final title policy in file). Unable to determine if appropiate coverage is provided.   Preliminary Title Report does not list coverage amount.       Reviewer Comment (2026-04-01): Received, Clearing.


Seller Comment (2026-03-31): Comment from XXXX (XXXX): updated title
 04/01/2026     1 C A C A C A C A C A   WA Primary Refinance - Cash-out - Other   C A C A A A A A   Exempt from ATR No
XXXXXX 4000120930 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-03-30): Client elects to waive
     03/30/2026 2 A A A A A A     B B   CA Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000120930 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-03-30): Client elects to waive
     03/30/2026 1 N/A N/A A A N/A N/A     N/A N/A   CA Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000119938 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-03-30): Client elects to waive
     03/30/2026 2 A A A A A A     B B   FL Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000119938 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-03-30): Client elects to waive
     03/30/2026 1 N/A N/A A A N/A N/A     N/A N/A   FL Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000118380 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-03-30): Client elects to waive
     03/30/2026 1 N/A N/A A A N/A N/A     N/A N/A   KY Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000118380 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-03-30): Client elects to waive
     03/30/2026 2 A A A A A A     B B   KY Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000117113 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___ 1025 Valuation in file. CU or LCA not provided.       Reviewer Comment (2026-03-31): Accepted as is.
     03/31/2026 1 N/A N/A A A N/A N/A     N/A N/A   NY Investment Refinance - Cash-out - Other   C A C A A A A A   Exempt from ATR No
XXXXXX 4000117113 XXXXXX   XXXXXX     Credit Insurance Insurance Analysis Insurance Insufficient Coverage: Hazard insurance coverage amount is insufficient.   HOI coverage is short by XXXX       Reviewer Comment (2026-04-02): Received, Clearing.


Seller Comment (2026-04-02): Comment from XXXX (XXXX): XXXX: The dwelling coverage of $XXXX is within XXXX% of the subject's estimated replacement cost of $XXXX, which is sufficeint per the agreed upon guidelines with XXXX.
 04/02/2026     1 C A C A C A C A C A   NY Investment Refinance - Cash-out - Other   C A C A A A A A   Exempt from ATR No
XXXXXX 4000122211 XXXXXX   XXXXXX     Credit Title Document Error Title The Commitment or Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. Title Evidence: ___;
State: ___		         Reviewer Comment (2026-03-30): Accepted as is per client
     03/30/2026 2 B B B B B B B B B B   CA Primary Refinance - Cash-out - Other   B B B B A A B B   Exempt from ATR No
XXXXXX 4000122211 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-03-30): Accepted as is per client
     03/30/2026 2 A A A A A A     B B   CA Primary Refinance - Cash-out - Other   B B B B A A B B   Exempt from ATR No
XXXXXX 4000122540 XXXXXX   XXXXXX     Credit Insurance Insurance Analysis Insurance Hazard Insurance Policy expires within 90 days of the Note Date. Hazard Insurance Policy Expiration Date ___, Note Date ___ Hazard Insurance Policy expires within XXXX days of the Note Date       Reviewer Comment (2026-03-30): Accepted as is per client
     03/30/2026 2 B B B B B B B B B B   CA Primary Refinance - Cash-out - Other   B B B B A A A A   Exempt from ATR No
XXXXXX 4000121560 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___ Secondary valuation not required in Heloc Second lien file .       Reviewer Comment (2026-03-30): Accepted as is per client
     03/30/2026 2 A A A A A A     B B   CA Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000121560 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___ Secondary valuation not required in Heloc Second lien file .       Reviewer Comment (2026-03-30): Accepted as is per client
     03/30/2026 1 N/A N/A A A N/A N/A     N/A N/A   CA Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000120972 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___ Loan is to be securitized. One valuation was provided, with no CU or LCA.       Reviewer Comment (2026-03-31): Accepted as is.
     03/31/2026 1 N/A N/A A A N/A N/A     N/A N/A   OR Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000120972 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___ Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date.       Reviewer Comment (2026-03-31): Accepted as is.
     03/31/2026 2 A A A A A A     B B   OR Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000119719 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___ Secondary valuation not required in Heloc Second lien file .       Reviewer Comment (2026-03-31): Accepted as is.
     03/31/2026 2 A A A A A A     B B   CA Primary Refinance - Cash-out - Other   D B D B A A A A   Exempt from ATR No
XXXXXX 4000119719 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___ Secondary valuation not required in Heloc Second lien file .       Reviewer Comment (2026-03-31): Accepted as is.
     03/31/2026 1 N/A N/A A A N/A N/A     N/A N/A   CA Primary Refinance - Cash-out - Other   D B D B A A A A   Exempt from ATR No
XXXXXX 4000119719 XXXXXX   XXXXXX     Credit Loan Package Documentation Application / Processing Loan Package Documentation Missing Document: Note - Senior Lien not provided   Missing the first mortgage statement or note.       Reviewer Comment (2026-04-01): Received, cleared


Seller Comment (2026-04-01): Comment from XXXX (XXXX): 1st lien MTG statement
 04/01/2026     1 D A D A D A D A D A   CA Primary Refinance - Cash-out - Other   D B D B A A A A   Exempt from ATR No
XXXXXX 4000119719 XXXXXX   XXXXXX     Credit Title Document Error Title The Commitment or Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. Title Evidence: ___;
State: ___		 The Title Commitment or Preliminary title policy amount is blank.       Reviewer Comment (2026-03-31): Accepted as is.
     03/31/2026 2 B B B B B B B B B B   CA Primary Refinance - Cash-out - Other   D B D B A A A A   Exempt from ATR No
XXXXXX 4000123549 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___ XXXX AVM dated XXXX  in file. Cu or LCA not provided.       Reviewer Comment (2026-03-31): Accepted as is.
     03/31/2026 1 N/A N/A A A N/A N/A     N/A N/A   CA Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000123549 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___ XXXX AVM is dated XXXX . The Application date is XXXX . The Note date is XXXX .       Reviewer Comment (2026-03-31): Accepted as is.
     03/31/2026 2 A A A A A A     B B   CA Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000117426 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___ XXXX  dated XXXX  The Application date is XXXX . The note date is XXXX       Reviewer Comment (2026-03-31): Accepted as is.
     03/31/2026 2 A A A A A A     B B   GA Primary Refinance - Cash-out - Other   B B A A A A B B   Exempt from ATR No
XXXXXX 4000115515 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-03-31): Accepted as is.
     03/31/2026 2 A A A A A A     B B   CA Primary Refinance - Cash-out - Other   B B A A A A B B   Exempt from ATR No
XXXXXX 4000121798 XXXXXX   XXXXXX     Compliance Loan Package Documentation Application / Processing Missing, Incorrect, or Incomplete Final or Initial 1003 Missing Document: Missing Lender's Initial 1003   Initial 1003 is Missing       Reviewer Comment (2026-03-31): Accepted as is.
     03/31/2026 2 B B B B B B B B B B   MD Primary Refinance - Cash-out - Other   B B A A B B A A   Exempt from ATR No
XXXXXX 4000121798 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___ Loan is to be securitized. One valuation was provided, with no CU or LCA       Reviewer Comment (2026-03-31): Accepted as is.
     03/31/2026 1 N/A N/A A A N/A N/A     N/A N/A   MD Primary Refinance - Cash-out - Other   B B A A B B A A   Exempt from ATR No
XXXXXX 4000121798 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___ Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date.       Reviewer Comment (2026-03-31): Accepted as is.
     03/31/2026 2 A A A A A A     B B   MD Primary Refinance - Cash-out - Other   B B A A B B A A   Exempt from ATR No
XXXXXX 4000119544 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-04-01): Accepted as is.
     04/01/2026 1 N/A N/A A A N/A N/A     N/A N/A   AZ Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000119544 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-04-01): Accepted as is.
     04/01/2026 2 A A A A A A     B B   AZ Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000121579 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___ XXXX  in file dated XXXX . CU or LCA not provided.       Reviewer Comment (2026-04-01): Accepted as is.
     04/01/2026 1 N/A N/A A A N/A N/A     N/A N/A   CA Investment Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000121579 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___ XXXX is dated XXXX. The Application date XXXX. The Note date is XXXX.       Reviewer Comment (2026-04-01): Accepted as is.
     04/01/2026 2 A A A A A A     B B   CA Investment Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000119716 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___ XXXX dated XXXX  in file. CU or LCA not provided.       Reviewer Comment (2026-04-01): Accepted as is.
     04/01/2026 1 N/A N/A A A N/A N/A     N/A N/A   VA Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000119716 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___ XXXX  dated XXXX  in file.       Reviewer Comment (2026-04-01): Accepted as is.
     04/01/2026 2 A A A A A A     B B   VA Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000121153 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___ XXXX  by XXXX in file. CU or LCA not provided.       Reviewer Comment (2026-03-31): Accepted as is.
     03/31/2026 2 A A A A A A     B B   FL Investment Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000121153 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___ XXXX  by XXXX in file. CU or LCA not provided.       Reviewer Comment (2026-03-31): Accepted as is.
     03/31/2026 1 N/A N/A A A N/A N/A     N/A N/A   FL Investment Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000119339 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-04-01): Accepted as is.
     04/01/2026 1 N/A N/A A A N/A N/A     N/A N/A   CA Investment Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000119339 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-04-01): Accepted as is.
     04/01/2026 2 A A A A A A     B B   CA Investment Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000120265 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-04-01): Accepted as is.
     04/01/2026 2 A A A A A A     B B   AZ Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000120265 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-04-01): Accepted as is.
     04/01/2026 1 N/A N/A A A N/A N/A     N/A N/A   AZ Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000122746 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-04-01): Accepted as is.
     04/01/2026 2 A A A A A A     B B   OH Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000122746 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-04-01): Have a good evening all!
     04/01/2026 1 N/A N/A A A N/A N/A     N/A N/A   OH Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000117623 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___ XXXX AVM dated XXXX  in file. CU or LCA not provided.       Reviewer Comment (2026-04-01): Have a good evening all!
     04/01/2026 1 N/A N/A A A N/A N/A     N/A N/A   AZ Investment Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000117623 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___ The XXXX AVM is dated v. The Application date is XXXX . The Note date is XXXX       Reviewer Comment (2026-04-01): Accepted as is.
     04/01/2026 2 A A A A A A     B B   AZ Investment Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000121905 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___ Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date.       Reviewer Comment (2026-04-02): Accepted as is.
     04/02/2026 2 A A A A A A     B B   CA Primary Refinance - Cash-out - Other   B B A A A A B B   Exempt from ATR No
XXXXXX 4000119043 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-04-02): Accepted as is.
     04/02/2026 2 A A A A A A     B B   CO Primary Refinance - Cash-out - Other   B B A A A A B B   Exempt from ATR No
XXXXXX 4000122040 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-04-02): Accepted as is.
     04/02/2026 1 N/A N/A A A N/A N/A     N/A N/A   CA Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000122040 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-04-02): Accepted as is.
     04/02/2026 2 A A A A A A     B B   CA Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000120543 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 180 Note Date:  ___; Lien Position: ___ XXXX AVM by XXXX in file. CU or LCA not provided.       Reviewer Comment (2026-04-02): Accepted as is based on meeting more than three RAs requirements
       3 N/A N/A A A N/A N/A     D D   FL Investment Refinance - Cash-out - Other   D D C A B B D D   Exempt from ATR No
XXXXXX 4000120543 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 372 Note Date:  ___; Lien Position: ___ XXXX AVM by XXXX in file. CU or LCA not provided.       Reviewer Comment (2026-04-02): Accepted as is.
     04/02/2026 2 B B A A A A     A A   FL Investment Refinance - Cash-out - Other   D D C A B B D D   Exempt from ATR No
XXXXXX 4000120543 XXXXXX   XXXXXX     Credit Loan Package Documentation Application / Processing Loan Package Documentation 1003/Declarations:  D. 1. Have you or will you be applying for a mortgage loan on another property (not the property securing this loan) on or before closing this transaction that is not disclosed on this loan application? was entered Yes.  Unable to determine qualification without this information. - Borrower checked 1003/Declarations. 1. Have you or will you be applying for a mortgage loan on another property (not the property securing this loan) on or before closing this transaction that is not disclosed on this loan application? was entered Yes. Provide updated 1003.       Reviewer Comment (2026-04-27): Corrected signed 1003 has been received


Reviewer Comment (2026-04-27): Received updated 1003 is dated XXXX; however, the closing date is XXXX. Please provide the final 1003 that was signed at closing. Exception remains.


Seller Comment (2026-04-24): Comment from XXXX (XXXX): Please see attached revised 1003 with question corrected.


Reviewer Comment (2026-04-21): Required updated 1003 for - 1003/Declarations. 1. Have you or will you be applying for a mortgage loan on another property (not the property securing this loan) on or before closing this transaction that is not disclosed on this loan application? was entered Yes. Exception remains.


Seller Comment (2026-04-21): Comment from XXXX (XXXX): Please see attached signed revised 1003.


Reviewer Comment (2026-04-11): Updated 1003 needs to be signed by the borrower.


Seller Comment (2026-04-10): Comment from XXXX (XXXX): Please see attached CD and 1003 for XXXX that will be their primary residence and is listed on this loan 1003.
 04/27/2026     1 C A C A C A C A C A   FL Investment Refinance - Cash-out - Other   D D C A B B D D   Exempt from ATR No
XXXXXX 4000120543 XXXXXX   XXXXXX     Credit Loan Package Documentation Application / Processing Loan Package Documentation 1003/Declarations:  D. 1. Have you or will you be applying for a mortgage loan on another property (not the property securing this loan) on or before closing this transaction that is not disclosed on this loan application? was entered Yes.  Unable to determine qualification without this information. - Borrower checked 1003/Declarations. 1. Have you or will you be applying for a mortgage loan on another property (not the property securing this loan) on or before closing this transaction that is not disclosed on this loan application? was entered Yes. Provide updated 1003.       Reviewer Comment (2026-04-27): Corrected signed 1003 has been received


Reviewer Comment (2026-04-27): Received updated 1003 is dated XXXX; however, the closing date is XXXX. Please provide the final 1003 that was signed at closing. Exception remains.


Buyer Comment (2026-04-24): Comment from XXXX (XXXX): Please see uploaded doc for Exception ID 453312. 1003 was revised with corrected questions for D1.


Reviewer Comment (2026-04-21): Required updated 1003 for - 1003/Declarations. 1. Have you or will you be applying for a mortgage loan on another property (not the property securing this loan) on or before closing this transaction that is not disclosed on this loan application? was entered Yes. Exception remains.


Buyer Comment (2026-04-21): Comment from XXXX (XXXX): Please see attached revised signed 1003 in exception ID XXXX.


Reviewer Comment (2026-04-11): Updated 1003 needs to be signed by the borrower.


Seller Comment (2026-04-10): Comment from XXXX (XXXX): Please see attached CD and 1003 for XXXX that will be their primary residence and is listed on this loan 1003.
 04/27/2026     1 C A C A C A C A C A   FL Investment Refinance - Cash-out - Other   D D C A B B D D   Exempt from ATR No
XXXXXX 4000120543 XXXXXX   XXXXXX     Credit Income / Employment Income Documentation Missing Document  REO Documents are missing. - ___ Insurance Verification is Missing.       Reviewer Comment (2026-04-11): Received, Clearing.


Seller Comment (2026-04-10): Comment from XXXX (XXXX): Please see attached LOX confirming no HOA or HOI. Property is free and clear, see property profile report. Only taxes.
 04/11/2026     1 C A C A C A C A C A   FL Investment Refinance - Cash-out - Other   D D C A B B D D   Exempt from ATR No
XXXXXX 4000120543 XXXXXX   XXXXXX     Credit Loan Package Documentation Application / Processing Loan Package Documentation Mismatch of data related to Occupancy. - As per final 1003 Declarations Borrower Occupied Subject Property as primary Residence.       Reviewer Comment (2026-04-21): Received updated 1003


Buyer Comment (2026-04-21): Comment from XXXX (XXXX): Please see attached revised signed 1003 in exception ID XXXX.


Reviewer Comment (2026-04-11): Updated 1003 needs to be signed by the borrower.


Seller Comment (2026-04-10): Comment from XXXX (XXXX): Please see attached revised 1003. Occupancy question was marked in error as they will not be occupying within 60 days as they are purchasing another primary residence. See attached CD and 1003 for borrower primary residence.
 04/21/2026     1 C A C A C A C A C A   FL Investment Refinance - Cash-out - Other   D D C A B B D D   Exempt from ATR No
XXXXXX 4000120543 XXXXXX   XXXXXX     Credit Loan Package Documentation Application / Processing Loan Package Documentation Mismatch of data related to Occupancy. - As per final 1003 Declarations Borrower Occupied Subject Property as primary Residence.       Reviewer Comment (2026-04-21): Received updated 1003


Buyer Comment (2026-04-21): Comment from XXXX (XXXX): Please see attached revised signed 1003 in exception ID XXXX.


Reviewer Comment (2026-04-11): Updated 1003 needs to be signed by the borrower.


Seller Comment (2026-04-10): Comment from XXXX (XXXX): Please see attached revised 1003. Occupancy question was marked in error as they will not be occupying within 60 days as they are purchasing another primary residence. See attached CD and 1003 for borrower primary residence.
 04/21/2026     1 C A C A C A C A C A   FL Investment Refinance - Cash-out - Other   D D C A B B D D   Exempt from ATR No
XXXXXX 4000120543 XXXXXX   XXXXXX     Compliance Compliance Federal Compliance ECOA ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. Verification appraisal was delivered to borrower was not provided.       Reviewer Comment (2026-04-02): Accepted as is.
     04/02/2026 2 B B B B B B B B B B   FL Investment Refinance - Cash-out - Other   D D C A B B D D   Exempt from ATR No
XXXXXX 4000121936 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-04-02): Accepted as is.
     04/02/2026 2 A A A A A A     B B   IL Primary Refinance - Cash-out - Other   B B B B A A B A   Exempt from ATR No
XXXXXX 4000121936 XXXXXX   XXXXXX     Credit Title General Title Title Policy Coverage is less than Original Loan Amount. The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. Coverage Shortfall: The Title Policy Amount of $XXXXis less than the note amount of $XXXX.       Reviewer Comment (2026-04-02): Accepted as is.
     04/02/2026 2 B B B B B B B B B B   IL Primary Refinance - Cash-out - Other   B B B B A A B A   Exempt from ATR No
XXXXXX 4000121936 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-04-07): Accepted as is.
     04/07/2026 1   N/A   A   N/A       N/A   IL Primary Refinance - Cash-out - Other   B B B B A A B A   Exempt from ATR No
XXXXXX 4000116096 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided. The provided CU and/or LCA do not provide relief. Sec ID: 182   A valid UCDP score was not provided. A secondary valuation is required to support the primary value for securitization purposes       Reviewer Comment (2026-04-15): AVM provided. Cleared.


Seller Comment (2026-04-15): Comment from XXXX (XXXX): AVM


Reviewer Comment (2026-04-07): There is a failing LCA score in the file so as a result a secondary valuation is required.


Buyer Comment (2026-04-07): Comment from XXXX (XXXX): Good morning,

I am confused with the request. We did not obtain a second valuation so why do we need an AVM?

Secondary Valuation - HELOCs
HELOCs do not require a secondary valuation product.

However, if a secondary valuation is obtained and falls outside acceptable tolerance, the following appraisal review waterfall must be followed:
• If the loan file contains a CU score or LCA greater than 2.5, either an AVM or a desk review is required.
• If an AVM reflects a variance greater than 10% of the appraised value, a desk review is required.
• If a desk review reflects a variance greater than 10% of the appraised value, a field review is required.
• If none of the secondary valuation methods support the primary valuation, the valuation will be considered failed.
• Any other value discrepancies may require additional supporting documentation.

Please advise.
 04/15/2026     1 D A A A D A   A D A   GA Primary Refinance - Cash-out - Other   D B A A B B D B   Exempt from ATR No
XXXXXX 4000116096 XXXXXX   XXXXXX     Compliance Compliance Federal Compliance ECOA ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. Certified Report Delivery Confirmation reflect Appraisal sent on XXXX.       Reviewer Comment (2026-04-02): Accepted as is.
     04/02/2026 2 B B B B B B B B B B   GA Primary Refinance - Cash-out - Other   D B A A B B D B   Exempt from ATR No
XXXXXX 4000116096 XXXXXX   XXXXXX     Property Appraisal Reconciliation Value Discrepancy Appraisal Reconciliation Loan is to be securitized. Two valuations were provided, one of which does not support value. The provided CU and/or LCA do not provide relief. Sec ID: 193   NEW EXCEPTION due to receipt of AVM       Reviewer Comment (2026-04-21): Desk review received and supports value


Seller Comment (2026-04-21): Comment from XXXX (XXXX): desk review


Reviewer Comment (2026-04-16): Good afternoon, the AVM is not within 10% of the primary appraisal. Please provide a higher level review supporting the 1073 appraised value. A CDA would be an acceptable valuation.


Buyer Comment (2026-04-16): Comment from XXXX (XXXX): Good afternoon,

Will you please advise what is needed to cure this new condition? Are you requesting a CDA? Please advise as the condition is vague.


Thanks!
 04/21/2026     1   A   A   A   A   A   GA Primary Refinance - Cash-out - Other   D B A A B B D B   Exempt from ATR No
XXXXXX 4000116096 XXXXXX   XXXXXX     Property Appraisal Reconciliation Value Discrepancy Appraisal Reconciliation Loan is to be securitized. Multiple valuations were provided, one of which does not support value. One or more secondaries support value. No CU or LCA providing relief are in evidence. Sec ID: 200 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-04-21): Client elects to waive
     04/21/2026 2   A   A   A       B   GA Primary Refinance - Cash-out - Other   D B A A B B D B   Exempt from ATR No
XXXXXX 4000120372 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___ XXXX AVM in file. CU or LCA not provided.       Reviewer Comment (2026-04-06): Accepted as is.
     04/06/2026 2 A A A A A A     B B   NM Primary Refinance - Cash-out - Other   C A A A C A A A   Exempt from ATR No
XXXXXX 4000120372 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___ XXXX AVM in file. CU or LCA not provided.       Reviewer Comment (2026-04-06): Accepted as is.
     04/06/2026 1 N/A N/A A A N/A N/A     N/A N/A   NM Primary Refinance - Cash-out - Other   C A A A C A A A   Exempt from ATR No
XXXXXX 4000120372 XXXXXX   XXXXXX     Compliance Compliance State Compliance State Defect (State High Cost Provision) New Mexico High-Cost Loan (Counseling Requirement) New Mexico High-Cost Loan: No evidence borrower received home-ownership counseling. No evidence borrower received home-ownership counseling.       Reviewer Comment (2026-04-09): Upon further review, tax cert fee may be excluded.


Buyer Comment (2026-04-08): Comment from XXXX (XXXX): XXXX Disagree - Tax Cert in the amount of $XXXX is not included


Reviewer Comment (2026-04-07): The settlement/closing fee has been excluded from the state points and fees calculation. The fees included are: Broker Fee $XXXX, Document Signing Fee $XXXX, MERS fee $XXXX, Recording Service Fee $XXXX, Tax Cert Fee $XXXX, Courier Fee $XXXX, Title Document Preparation $XXXX and Underwriting Fee $XXXX. Total $XXXX, Max $XXXX


Buyer Comment (2026-04-07): Comment from XXXX (XXXX):XXXX The points and fees definition in the statute is clear. Subsection (d) (3) explicitly lists "title closing" along with other title services as being excludable from points and fees. Our high cost testing is accurate, the Settlement/Closing fee should not be included in the points and fees.
 04/09/2026     1 C A C A C A C A C A   NM Primary Refinance - Cash-out - Other See any available cure under New Mexico high-cost threshold exception. C A A A C A A A   Exempt from ATR No
XXXXXX 4000120372 XXXXXX   XXXXXX     Compliance Compliance State Compliance State Defect (State High Cost) New Mexico High-Cost Loan (Points and Fees) New Mexico Home Loan Protection Act: Points and Fees on subject loan of XXXX% is in excess of the allowable maximum of  XXXX% of the Total Loan Amount. Points and Fees total $XXXXon a Total Loan Amount of $XXXXvs. an allowable total of $XXXX(an overage of $XXXXor .XXXX%).  Non-Compliant High Cost Loan. Points and Fees on subject loan of XXXX% is in excess of the allowable maximum of XXXX% of the Total Loan Amount. Points and Fees total $XXXXon a Total Loan Amount of $XXXXvs. an allowable total of $XXXX(       Reviewer Comment (2026-04-09): Upon further review, tax cert fee may be excluded.


Buyer Comment (2026-04-08): Comment from XXXX (XXXX): XXXX Disagree - Tax Cert in the amount of $XXXX is not included


Reviewer Comment (2026-04-07): The settlement/closing fee has been excluded from the state points and fees calculation. The fees included are: Broker Fee $XXXX, Document Signing Fee $XXXX, MERS fee $XXXX, Recording Service Fee $XXXX, Tax Cert Fee $XXXX, Courier Fee $XXXX, Title Document Preparation $XXXX and Underwriting Fee $XXXX. Total $XXXX, Max $XXXX


Buyer Comment (2026-04-07): Comment from XXXX (XXXX): XXXX The points and fees definition in the statute is clear. Subsection (d) (3) explicitly lists "title closing" along with other title services as being excludable from points and fees. Our high cost testing is accurate, the Settlement/Closing fee should not be included in the points and fees.
 04/09/2026     1 C A C A C A C A C A   NM Primary Refinance - Cash-out - Other Within 30 days of loan closing and prior to receiving any notice from the borrower of the violation, make appropriate restitution to the borrower and make appropriate adjustments to the loan.

(Limited Use Bona Fide Errors - Compliance and Client Approval Required)  Within 60 days of closing, provide:
(1) Legal opinion from originating lender with loan-specific details on how a high-cost loan was made despite procedures to prevent and confirms (i) the failure constitutes a bona fide error for the jurisdiction in which the property is located, and (ii) that the lender has not received any notice from the borrower of the failure; (2) procedures or explanation of controls in place to prevent such errors; (3) client written approval accepting use of the bona fide error cure; (4) Letter of Explanation to borrower; (5) refund of amount over the high-cost threshold maximum; and (6) proof of mailing (must be in transit with courier).  Note, a cure may not be accepted if the seller/lender has certified a fix has been made to their system and the same issue continues to occur after the fix has been put into place.		 C A A A C A A A   Exempt from ATR Yes
XXXXXX 4000122910 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-04-02): Accepted as is.
     04/02/2026 1 N/A N/A A A N/A N/A     N/A N/A   CA Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000122910 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-04-02): Accepted as is.
     04/02/2026 2 A A A A A A     B B   CA Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000121795 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___ XXXX AVM is dated XXXX. The Application date is XXXX. The Note date is XXXX.       Reviewer Comment (2026-04-03): Accepted as is.
     04/03/2026 2 A A A A A A     B B   MA Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000121795 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___ XXXX AVM in file. CU or LCA not provided.       Reviewer Comment (2026-04-03): Accepted as is.
     04/03/2026 1 N/A N/A A A N/A N/A     N/A N/A   MA Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000122470 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-04-02): Accepted as is.
     04/02/2026 2 A A A A A A     B B   NY Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000122470 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-04-02): Accepted as is
     04/02/2026 1 N/A N/A A A N/A N/A     N/A N/A   NY Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000122744 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___ XXXX AVM in file. CU or LCA not provided.       Reviewer Comment (2026-04-02): Accepted as is.
     04/02/2026 2 A A A A A A     B B   CA Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000122744 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___ XXXX AVM in file. CU or LCA not provided.       Reviewer Comment (2026-04-02): Accepted as is
     04/02/2026 1 N/A N/A A A N/A N/A     N/A N/A   CA Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000121784 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___ Secondary valuation not required in Heloc Second lien file .       Reviewer Comment (2026-04-03): Accepted as is.
     04/03/2026 2 A A A A A A     B B   ME Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000121784 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___ Secondary valuation not required in Heloc Second lien file .       Reviewer Comment (2026-04-03): Accepted as is.
     04/03/2026 1 N/A N/A A A N/A N/A     N/A N/A   ME Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000120796 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___ XXXX AVM in file. CU or LCA not provided.       Reviewer Comment (2026-04-03): Accepted as is.
     04/03/2026 1 N/A N/A A A N/A N/A     N/A N/A   ME Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000120796 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___ XXXX AVM is dated XXXX. The Application date is XXXX. The Note date is XXXX       Reviewer Comment (2026-04-03): Accepted as is.
     04/03/2026 2 A A A A A A     B B   ME Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000118747 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___ Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date.       Reviewer Comment (2026-04-03): Accepted as is.
     04/03/2026 2 A A A A A A     B B   SC Investment Refinance - Cash-out - Other   B B A A A A B B   Exempt from ATR No
XXXXXX 4000120035 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-04-07): Accepted as is.
     04/07/2026 1 N/A N/A A A N/A N/A     N/A N/A   RI Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000120035 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-04-07): Accepted as is.
     04/07/2026 2 A A A A A A     B B   RI Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000122825 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___ Loan is to be securitized. One valuation was provided, with no CU or LCA.       Reviewer Comment (2026-04-03): Accepted as is.
     04/03/2026 1 N/A N/A A A N/A N/A     N/A N/A   NV Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000122825 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___ Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date.       Reviewer Comment (2026-04-03): Accepted as is.
     04/03/2026 2 A A A A A A     B B   NV Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000121906 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-04-06): Accepted as is.
     04/06/2026 2 A A A A A A     B B   PA Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000121906 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___ One valuation was provided, with no CU or LCA.       Reviewer Comment (2026-04-06): Accepted as is.
     04/06/2026 1 N/A N/A A A N/A N/A     N/A N/A   PA Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000120657 XXXXXX   XXXXXX     Credit Insurance Insurance Analysis Insurance Hazard Insurance Policy expires within 90 days of the Note Date. Hazard Insurance Policy Expiration Date ___, Note Date ___ Hazard Insurance Policy expires within 90 days of the Note Date.       Reviewer Comment (2026-04-06): Accepted as is.
     04/06/2026 2 B B B B B B B B B B   FL Primary Refinance - Cash-out - Other   B B B B A A B B   Exempt from ATR No
XXXXXX 4000120657 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-04-06): Accepted as is.
     04/06/2026 2 A A A A A A     B B   FL Primary Refinance - Cash-out - Other   B B B B A A B B   Exempt from ATR No
XXXXXX 4000121183 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___ XXXX AVM by XXXX in file. CU or LCA not provided.       Reviewer Comment (2026-04-03): Accepted as is.
     04/03/2026 2 A A A A A A     B B   FL Investment Refinance - Cash-out - Other   B B A A A A B B   Exempt from ATR No
XXXXXX 4000119539 XXXXXX   XXXXXX     Credit Insurance Insurance Analysis Insurance Insufficient Coverage: Hazard insurance coverage amount is insufficient.   Hazard Insurance amount is $XXXX. Coverage is short $XXXX.       Reviewer Comment (2026-04-13): Received Replacement Cost Estimator. Exception cleared.


Seller Comment (2026-04-13): Comment from XXXX (XXXX): RCE


Reviewer Comment (2026-04-09): Loan being a first lien doesn't change the insurance requirements. Shortage is still $XXXX.


Seller Comment (2026-04-09): Comment from XXXX (XXXX): Good morning,

I was advised that the property was free and clear and that this is the only lien on the property. The subject property does not have a 1st lien. The HELOC is the only lien on this property.

Please review the attached document and advise if this condition can be cleared.


Thanks!


Reviewer Comment (2026-04-08): Yes, an RCE would be sufficient to clear this exception


Buyer Comment (2026-04-08): Comment from XXXX (XXXX): Good afternoon,

Would you accept an RCE to cure this condition? Please let me know.


Thanks!
 04/13/2026     1 C A C A C A C A C A   UT Primary Refinance - Cash-out - Other   C B C A A A B B   Exempt from ATR No
XXXXXX 4000119539 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 372 Note Date:  ___; Lien Position: ___ XXXX AVM is dated XXXX. The Application date is XXXX. The Note date is XXXX.       Reviewer Comment (2026-04-06): Accepted as is.
     04/06/2026 2 B B A A A A     A A   UT Primary Refinance - Cash-out - Other   C B C A A A B B   Exempt from ATR No
XXXXXX 4000119539 XXXXXX   XXXXXX     Credit Income / Employment Income Documentation Income / Employment Income Docs Missing: - ___ VVOE within 10 business days of the note date is missing.       Reviewer Comment (2026-04-08): VVOE within 10 business days received


Seller Comment (2026-04-08): Comment from XXXX (XXXX): VOE


Reviewer Comment (2026-04-08): Received VVOE is after Note date. Please provide VVOE within 10 business days of the Note. Exception remains.


Seller Comment (2026-04-08): Comment from XXXX (XXXX): Hello,

The VVOE was provided in the package uploaded to you, pages 126-130. Please see doc attached.

Thanks!
 04/08/2026     1 C A C A C A C A C A   UT Primary Refinance - Cash-out - Other   C B C A A A B B   Exempt from ATR No
XXXXXX 4000120795 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___ Loan is to be securitized. One valuation was provided, with no CU or LCA.       Reviewer Comment (2026-04-07): Accepted as is.
     04/07/2026 1 N/A N/A A A N/A N/A     N/A N/A   OR Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000118638 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-04-07): Accepted as is.
     04/07/2026 2 A A A A A A     B B   CA Primary Refinance - Cash-out - Other   B B A A A A B B   Exempt from ATR No
XXXXXX 4000123358 XXXXXX   XXXXXX     Property Appraisal Reconciliation Appraisal Documentation Appraisal Reconciliation Appraisal from prior transaction provided. No secondary valuation with effective date less than 3 months past note date provided. Sec ID: 156 Note Date:  ___; Lien Position: ___ Secondary valuation not required in Heloc Second lien file .       Reviewer Comment (2026-04-07): Accepted as is.
     04/07/2026 1 N/A N/A A A N/A N/A     N/A N/A   CA Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000123591 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-04-07): Accepted as is.
     04/07/2026 2 A A A A A A     B B   CA Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000123591 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-04-07): Accepted as is.
     04/07/2026 1 N/A N/A A A N/A N/A     N/A N/A   CA Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000120655 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-04-07): Accepted as is.
     04/07/2026 1 N/A N/A A A N/A N/A     N/A N/A   NC Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000120655 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-04-07): Accepted as is.
     04/07/2026 2 A A A A A A     B B   NC Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000122400 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-04-07): Accepted as is.
     04/07/2026 1 N/A N/A A A N/A N/A     N/A N/A   NC Investment Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000122400 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-04-07): Accepted as is.
     04/07/2026 2 A A A A A A     B B   NC Investment Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000122936 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___ XXXX AVM by XXXX in file. CU or LCA not provided.       Reviewer Comment (2026-04-07): Accepted as is.
     04/07/2026 2 A A A A A A     B B   PA Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000122936 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___ XXXX AVM by XXXX in file. CU or LCA not provided.       Reviewer Comment (2026-04-07): Accepted as is.
     04/07/2026 1 N/A N/A A A N/A N/A     N/A N/A   PA Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000122581 XXXXXX   XXXXXX     Compliance Loan Package Documentation Application / Processing Missing, Incorrect, or Incomplete Final or Initial 1003 Missing Document: Missing Lender's Initial 1003           Reviewer Comment (2026-04-08): Accepted as is.
     04/08/2026 2 B B B B B B B B B B   AZ Primary Refinance - Cash-out - Other   B B A A B B A A   Exempt from ATR No
XXXXXX 4000120879 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-04-08): Accepted as is.
     04/08/2026 1 N/A N/A A A N/A N/A     N/A N/A   CA Primary Refinance - Cash-out - Other   D A D A A A A A   Exempt from ATR No
XXXXXX 4000120879 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-04-08): Accepted as is.
     04/08/2026 2 A A A A A A     B B   CA Primary Refinance - Cash-out - Other   D A D A A A A A   Exempt from ATR No
XXXXXX 4000120879 XXXXXX   XXXXXX     Credit Loan Package Documentation Closing / Title Missing Document  Missing Document: Security Instrument - Subject Lien not provided   Provide Signed copy of Security Instrument for Subject Property.       Reviewer Comment (2026-04-13): Received, Clearing.


Seller Comment (2026-04-13): Comment from XXXX (XXXX): XXXX: Please see attached
 04/13/2026     1 D A D A D A D A D A   CA Primary Refinance - Cash-out - Other   D A D A A A A A   Exempt from ATR No
XXXXXX 4000120879 XXXXXX   XXXXXX     Credit Loan Package Documentation Closing / Title Loan Package Documentation Missing Document: Rider - PUD not provided   Need a signed copy of the PUD Rider.       Reviewer Comment (2026-04-13): Received, Clearing.


Seller Comment (2026-04-13): Comment from XXXX (XXXX): XXXX: Please see attached.
 04/13/2026     1 C A C A C A C A C A   CA Primary Refinance - Cash-out - Other   D A D A A A A A   Exempt from ATR No
XXXXXX 4000121847 XXXXXX   XXXXXX     Credit Loan Package Documentation Application / Processing Loan Package Documentation Missing Document: Note - Senior Lien not provided           Reviewer Comment (2026-04-15): Received Closing Disclosure for Senior Lien. Exception cleared.


Seller Comment (2026-04-14): Comment from XXXX (XXXX): XXXX: Please see the attached final CD for the first lien.
 04/15/2026     1 D A D A D A D A D A   CA Primary Refinance - Cash-out - Other   D B D B A A A A   Exempt from ATR No
XXXXXX 4000121847 XXXXXX   XXXXXX     Credit Title Document Error Title The Commitment or Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. Title Evidence: ___;
State: ___		         Reviewer Comment (2026-04-08): Accepted as is.
     04/08/2026 2 B B B B B B B B B B   CA Primary Refinance - Cash-out - Other   D B D B A A A A   Exempt from ATR No
XXXXXX 4000121847 XXXXXX   XXXXXX     Property Appraisal Reconciliation Appraisal Documentation Appraisal Reconciliation Appraisal from prior transaction provided. No secondary valuation with effective date less than 3 months past note date provided. Sec ID: 156 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-04-08): Accepted as is.
     04/08/2026 1 N/A N/A A A N/A N/A     N/A N/A   CA Primary Refinance - Cash-out - Other   D B D B A A A A   Exempt from ATR No
XXXXXX 4000121847 XXXXXX   XXXXXX     Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Guideline Requirement: Investor qualifying total debt ratio discrepancy.   Calculated investor qualifying total debt ratio of XXXX% exceeds Guideline total debt ratio of XXXX%.       Reviewer Comment (2026-04-18): Received, Clearing.


Buyer Comment (2026-04-17): Comment from XXXX (XXXX): XXXX: Please note that there are 2 discrepancies in the DTI calculation that XXXX is using. First, the XXXX Credit installment debt was excluded from the DTI calculation due to having less than 10 months payments remaining. Secondly, XXXX is including the HOI monthly payment of $XXXX in the calculation twice, once in the credit debt and once in the qualifying PITIA. Once these two discrepancies are corrected, the DTI falls below XXXX% and remains eligible.
 04/18/2026     1   A   A   A   A   A   CA Primary Refinance - Cash-out - Other   D B D B A A A A   Exempt from ATR No
XXXXXX 4000118911 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___ Loan is to be securitized. One valuation was provided, with no CU or LCA.       Reviewer Comment (2026-04-08): Accepted as is.
     04/08/2026 1 N/A N/A A A N/A N/A     N/A N/A   WA Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000118911 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___ Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date.       Reviewer Comment (2026-04-08): Accepted as is.
     04/08/2026 2 A A A A A A     B B   WA Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000120108 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___ Loan is to be securitized. One valuation was provided, with no CU or LCA.       Reviewer Comment (2026-04-07): Accepted as is.
     04/07/2026 1 N/A N/A A A N/A N/A     N/A N/A   AZ Investment Refinance - Cash-out - Other   B B B B A A A A   Exempt from ATR No
XXXXXX 4000120108 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___ Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date.       Reviewer Comment (2026-04-07): Accepted as is.
     04/07/2026 2 A A A A A A     B B   AZ Investment Refinance - Cash-out - Other   B B B B A A A A   Exempt from ATR No
XXXXXX 4000120108 XXXXXX   XXXXXX     Credit Insurance Insurance Analysis Insurance Hazard Insurance Policy expires within 90 days of the Note Date. Hazard Insurance Policy Expiration Date ___, Note Date ___ Hazard Policy is expiring 90 days from Note Date hence required Renewed Hazard Insurance       Reviewer Comment (2026-04-07): Accepted as is.
     04/07/2026 2 B B B B B B B B B B   AZ Investment Refinance - Cash-out - Other   B B B B A A A A   Exempt from ATR No
XXXXXX 4000119816 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___ 1004 Valuation in file. CU or LCA not provided.       Reviewer Comment (2026-04-07): Accepted as is.
     04/07/2026 1 N/A N/A A A N/A N/A     N/A N/A   NV Primary Purchase   A A A A A A A A   Exempt from ATR No
XXXXXX 4000120106 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-04-08): Accepted as is.
     04/08/2026 1 N/A N/A A A N/A N/A     N/A N/A   AZ Investment Refinance - Cash-out - Other   C A C A A A A A   Exempt from ATR No
XXXXXX 4000120106 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-04-08): Accepted as is.
     04/08/2026 2 A A A A A A     B B   AZ Investment Refinance - Cash-out - Other   C A C A A A A A   Exempt from ATR No
XXXXXX 4000120106 XXXXXX   XXXXXX     Credit Income / Employment Income Documentation Missing Document  REO Documents are missing. - Missing evidence of new second lien payment       Reviewer Comment (2026-04-16): Received HELOC Agreement for 2nd lien on property XXXX. Exception cleared.


Seller Comment (2026-04-16): Comment from XXXX (XXXX): Please see attached
 04/16/2026     1 C A C A C A C A C A   AZ Investment Refinance - Cash-out - Other   C A C A A A A A   Exempt from ATR No
XXXXXX 4000117931 XXXXXX   XXXXXX     Compliance Compliance Federal Compliance TILA Truth in Lending Act (HELOC): Fee amounts for testing were sourced from one or more fee documents in file containing higher amounts than that reflected on HELOC Agreement. Truth in Lending Act (HELOC): Fee amounts were sourced from multiple disclosures containing higher amounts than that reflected on HELOC Agreement. Truth in Lending Act (HELOC): Fee amounts were sourced from multiple disclosures containing higher amounts than that reflected on HELOC Agreement.       Reviewer Comment (2026-04-08): Accepted as is.
     04/08/2026 2 A A A A A A A A A A   OR Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000117931 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-04-08): Accepted as is.
     04/08/2026 1 N/A N/A A A N/A N/A     N/A N/A   OR Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000117931 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-04-08): Accepted as is.
     04/08/2026 2 A A A A A A     B B   OR Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000121876 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___ XXXX AVM dated XXXX. The Application date is XXXX. The Note date is XXXX.       Reviewer Comment (2026-04-08): Accepted as is.
     04/08/2026 2 A A A A A A     B B   PA Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000121876 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___ XXXX AVM in file. CU or LCA not provided.       Reviewer Comment (2026-04-08): Accepted as is.
     04/08/2026 1 N/A N/A A A N/A N/A     N/A N/A   PA Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000123648 XXXXXX   XXXXXX     Credit Title General Title Title Policy Coverage is less than Original Loan Amount. The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. The Title Policy Amount of $XXXXis less than the note amount of $XXXX based on the Commitment in file.       Reviewer Comment (2026-04-09): Accepted as is.
     04/09/2026 2 B B B B B B B B B B   PA Primary Refinance - Cash-out - Other   B B B B A A A A   Exempt from ATR No
XXXXXX 4000120264 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___ Loan is to be securitized. One valuation was provided, with no CU or LCA.       Reviewer Comment (2026-04-09): Accepted as is.
     04/09/2026 1 N/A N/A A A N/A N/A     N/A N/A   CA Investment Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000120264 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___ Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date.       Reviewer Comment (2026-04-09): Accepted as is.
     04/09/2026 2 A A A A A A     B B   CA Investment Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000121894 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-04-08): Accepted as is.
     04/08/2026 2 A A A A A A     B B   WA Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000121894 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-04-08): Accepted as is.
     04/08/2026 1 N/A N/A A A N/A N/A     N/A N/A   WA Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000120669 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 180 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-04-08): Accepted as is based on meeting two RAs requirements
       3 N/A N/A A A N/A N/A     D D   CT Primary Refinance - Cash-out - Other   D D A A A A D D   Exempt from ATR No
XXXXXX 4000120669 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 372 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-04-08): Accepted as is.
     04/08/2026 2 B B A A A A     A A   CT Primary Refinance - Cash-out - Other   D D A A A A D D   Exempt from ATR No
XXXXXX 4000122148 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-04-08): Accepted as is.
     04/08/2026 2 A A A A A A     B B   CA Primary Refinance - Cash-out - Other   C B C A B B A A   Exempt from ATR No
XXXXXX 4000122148 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-04-08): Accepted as is.
     04/08/2026 1 N/A N/A A A N/A N/A     N/A N/A   CA Primary Refinance - Cash-out - Other   C B C A B B A A   Exempt from ATR No
XXXXXX 4000122148 XXXXXX   XXXXXX     Compliance Loan Package Documentation Application / Processing Missing, Incorrect, or Incomplete Final or Initial 1003 Missing Document: Missing Lender's Initial 1003   Lender's initial 1003 is missing.       Reviewer Comment (2026-04-08): Accepted as is.
     04/08/2026 2 B B B B B B B B B B   CA Primary Refinance - Cash-out - Other   C B C A B B A A   Exempt from ATR No
XXXXXX 4000122148 XXXXXX   XXXXXX     Compliance Compliance Federal Compliance RESPA RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application RESPA Disclosure Rule (Dodd-Frank 2014): List of Homeownership Counseling Organizations not provided to applicant within three (3) business days of application. List of Homeownership Counseling Organizations not provided to applicant within three (3) business days of application.       Reviewer Comment (2026-04-08): Accepted as is.
     04/08/2026 2 B B B B B B B B B B   CA Primary Refinance - Cash-out - Other   C B C A B B A A   Exempt from ATR No
XXXXXX 4000122148 XXXXXX   XXXXXX     Credit Credit Miscellaneous Guideline Credit Exception:   Need initial rate lock document.       Reviewer Comment (2026-04-09): Initial rate lock received


Seller Comment (2026-04-09): Comment from XXXX (XXXX): Lock Confirmation
 04/09/2026     1 C A C A C A C A C A   CA Primary Refinance - Cash-out - Other   C B C A B B A A   Exempt from ATR No
XXXXXX 4000120510 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-04-08): Accepted as is.
     04/08/2026 2 A A A A A A     B B   OH Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000120510 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-04-08): Accepted as is.
     04/08/2026 1 N/A N/A A A N/A N/A     N/A N/A   OH Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000122431 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-04-08): Accepted as is.
     04/08/2026 2 A A A A A A     B B   NY Investment Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000122431 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-04-08): Accepted as is.
     04/08/2026 1 N/A N/A A A N/A N/A     N/A N/A   NY Investment Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000119944 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-04-09): Accepted as is.
     04/09/2026 2 A A A A A A     B B   DE Primary Refinance - Cash-out - Other   B B A A A A B B   Exempt from ATR No
XXXXXX 4000122462 XXXXXX   XXXXXX     Credit Title Document Error Title The Commitment or Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. Title Evidence: ___;
State: ___		 The preliminary title policy is within XXXX and does not reflect a coverage amount (no final title policy in file).       Reviewer Comment (2026-04-09): Accepted as is.
     04/09/2026 2 B B B B B B B B B B   CA Primary Refinance - Cash-out - Other   B B B B A A A A   Exempt from ATR No
XXXXXX 4000116620 XXXXXX   XXXXXX     Credit Legal / Regulatory / Compliance Title / Lien Defect Legal / Regulatory / Compliance Final Title Policy is missing. No evidence of title in file.   Title evidence was not found in file.       Reviewer Comment (2026-04-16): Received, Clearing.


Seller Comment (2026-04-16): Comment from XXXX (XXXX): XXXX-see attached
 04/16/2026     1 C A C A C A C A C A   VA Primary Refinance - Cash-out - Other   C A C A A A A A   Exempt from ATR No
XXXXXX 4000120435 XXXXXX   XXXXXX     Credit Title Document Error Title The Commitment or Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. Title Evidence: ___;
State: ___		 The preliminary title policy is within XXXX and does not reflect a coverage amount (no final title policy in file).       Reviewer Comment (2026-04-10): Client elects to waive
     04/10/2026 2 B B B B B B B B B B   CA Primary Refinance - Cash-out - Other   B B B B A A A A   Exempt from ATR No
XXXXXX 4000120435 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-04-10): Client elects to waive
     04/10/2026 1 N/A N/A A A N/A N/A     N/A N/A   CA Primary Refinance - Cash-out - Other   B B B B A A A A   Exempt from ATR No
XXXXXX 4000120435 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-04-10): Client elects to waive
     04/10/2026 2 A A A A A A     B B   CA Primary Refinance - Cash-out - Other   B B B B A A A A   Exempt from ATR No
XXXXXX 4000119449 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___ Secondary valuation not required in Heloc Second lien file.       Reviewer Comment (2026-04-09): Accepted as is.
     04/09/2026 2 A A A A A A     B B   AZ Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000119449 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___ Secondary valuation not required in Heloc Second lien file.       Reviewer Comment (2026-04-09): Accepted as is.
     04/09/2026 1 N/A N/A A A N/A N/A     N/A N/A   AZ Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000120266 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-04-10): Client elects to waive
     04/10/2026 1 N/A N/A A A N/A N/A     N/A N/A   GA Primary Refinance - Cash-out - Other   B B B B A A A A   Exempt from ATR No
XXXXXX 4000120266 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-04-10): Client elects to waive
     04/10/2026 2 A A A A A A     B B   GA Primary Refinance - Cash-out - Other   B B B B A A A A   Exempt from ATR No
XXXXXX 4000120266 XXXXXX   XXXXXX     Credit Insurance Insurance Analysis Insurance Hazard Insurance Policy expires within 90 days of the Note Date. Hazard Insurance Policy Expiration Date ___, Note Date ___ Hazard Insurance Policy expires within 90 days of the Note Date.       Reviewer Comment (2026-04-10): Client elects to waive
     04/10/2026 2 B B B B B B B B B B   GA Primary Refinance - Cash-out - Other   B B B B A A A A   Exempt from ATR No
XXXXXX 4000121261 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___ Secondary valuation not required in HELOC second lien file.       Reviewer Comment (2026-04-09): Accepted as is.
     04/09/2026 1 N/A N/A A A N/A N/A     N/A N/A   CA Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000121261 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___ Secondary valuation not required in HELOC second lien file.       Reviewer Comment (2026-04-09): Accepted as is.
     04/09/2026 2 A A A A A A     B B   CA Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000123310 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-04-09): Accepted as is.
     04/09/2026 1 N/A N/A A A N/A N/A     N/A N/A   IL Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000123310 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-04-09): Accepted as is.
     04/09/2026 2 A A A A A A     B B   IL Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000123269 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-04-09): Accepted as is.
     04/09/2026 1 N/A N/A A A N/A N/A     N/A N/A   UT Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000123269 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-04-09): Accepted as is.
     04/09/2026 2 A A A A A A     B B   UT Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000123796 XXXXXX   XXXXXX     Compliance Loan Package Documentation Application / Processing Missing, Incorrect, or Incomplete Final or Initial 1003 Missing Document: Missing Lender's Initial 1003           Reviewer Comment (2026-04-13): Accepted as is.
     04/13/2026 2 B B B B B B B B B B   CA Primary Refinance - Cash-out - Other   D B D A C B D A   Exempt from ATR No
XXXXXX 4000123796 XXXXXX   XXXXXX     Credit Loan Package Documentation Application / Processing Missing Document  Missing Document: Approval not provided   Missing Approval/1008       Reviewer Comment (2026-04-17): Received Approval. Exception cleared.


Seller Comment (2026-04-17): Comment from XXXX (XXXX): XXXX: The loan is a HELOC and not subject to TRID guidelines. The borrower receives a settlement statement and a HELOC Agreement and Disclosures statement at closing


Reviewer Comment (2026-04-16): Required Approval/1008. Exception remains.


Seller Comment (2026-04-16): Comment from XXXX (XXXX): XXXX: Please see attached
 04/17/2026     1 C A C A C A C A C A   CA Primary Refinance - Cash-out - Other   D B D A C B D A   Exempt from ATR No
XXXXXX 4000123796 XXXXXX   XXXXXX     Credit Credit Credit Documentation Missing Document  Missing Document: Credit Report not provided           Reviewer Comment (2026-04-16): Credit Report provided. Cleared.


Seller Comment (2026-04-16): Comment from XXXX (XXXX): XXXX: Please see attached
 04/16/2026     1 D A D A D A D A D A   CA Primary Refinance - Cash-out - Other   D B D A C B D A   Exempt from ATR No
XXXXXX 4000123796 XXXXXX   XXXXXX     Credit Loan Package Documentation Application / Processing Insurance Missing Document: Flood Certificate not provided           Reviewer Comment (2026-04-16): Received Flood Certificate. Exception cleared.


Seller Comment (2026-04-16): Comment from XXXX (XXXX): XXXX: See attached
 04/16/2026     1 C A C A C A C A C A   CA Primary Refinance - Cash-out - Other   D B D A C B D A   Exempt from ATR No
XXXXXX 4000123796 XXXXXX   XXXXXX     Credit Loan Package Documentation Application / Processing Missing Document  Missing Document: Fraud Report not provided           Reviewer Comment (2026-04-16): Received Fraud report. Exception cleared.


Seller Comment (2026-04-16): Comment from XXXX (XXXX): XXXX: Please see attached
 04/16/2026     1 C A C A C A C A C A   CA Primary Refinance - Cash-out - Other   D B D A C B D A   Exempt from ATR No
XXXXXX 4000123796 XXXXXX   XXXXXX     Credit Missing Document General Missing Document Missing Document: Legal Description not provided           Reviewer Comment (2026-04-15): Received Legal Description. Exception cleared.


Seller Comment (2026-04-15): Comment from XXXX (XXXX): XXXX Please see attached Mortgage with Legal Description
 04/15/2026     1 C A C A C A C A C A   CA Primary Refinance - Cash-out - Other   D B D A C B D A   Exempt from ATR No
XXXXXX 4000123796 XXXXXX   XXXXXX     Credit Property - Appraisal Appraisal Documentation Property - Appraisal Missing Document: Appraisal not provided           Reviewer Comment (2026-04-16): Received Appraisal. Exception cleared.


Seller Comment (2026-04-16): Comment from XXXX (XXXX): XXXX: Please see attached
 04/16/2026     1 D A D A D A D A D A   CA Primary Refinance - Cash-out - Other   D B D A C B D A   Exempt from ATR No
XXXXXX 4000123796 XXXXXX   XXXXXX     Credit Loan Package Documentation Application / Processing Loan Package Documentation Missing Document: Note - Senior Lien not provided           Reviewer Comment (2026-04-16): Received Mortgage Statement. Exception cleared.


Seller Comment (2026-04-16): Comment from XXXX (XXXX): XXXX: Please see attached
 04/16/2026     1 D A D A D A D A D A   CA Primary Refinance - Cash-out - Other   D B D A C B D A   Exempt from ATR No
XXXXXX 4000123796 XXXXXX   XXXXXX     Credit Legal / Regulatory / Compliance Title / Lien Defect Legal / Regulatory / Compliance Final Title Policy is missing. No evidence of title in file.   Final Title Policy Document is missing.       Reviewer Comment (2026-04-27): Received Title evidence. Exception cleared.


Seller Comment (2026-04-27): Comment from XXXX (XXXX): Title Policy
 04/27/2026     1 C A C A C A C A C A   CA Primary Refinance - Cash-out - Other   D B D A C B D A   Exempt from ATR No
XXXXXX 4000123796 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. No eligible primary ("Use for LTV") valuation was provided. Sec ID: 135   Loan is to be securitized. No eligible primary ("Use for LTV") valuation was provided.       Reviewer Comment (2026-04-16): Received Appraisal. Exception cleared.


Seller Comment (2026-04-16): Comment from XXXX (XXXX): XXXX: Please see attached
 04/16/2026     1 D A D A D A   A D A   CA Primary Refinance - Cash-out - Other   D B D A C B D A   Exempt from ATR No
XXXXXX 4000123796 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371   Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date.       Reviewer Comment (2026-04-13): Accepted as is.
     04/13/2026 2 A A A A A A     B B   CA Primary Refinance - Cash-out - Other   D B D A C B D A   Exempt from ATR No
XXXXXX 4000123796 XXXXXX   XXXXXX     Credit Income / Employment Income Documentation Missing Document  REO Documents are missing. - Mortgage Statement, Insurance, and Tax Document is missing.       Reviewer Comment (2026-04-16): Received Mortgage Statement. Exception cleared.


Seller Comment (2026-04-16): Comment from XXXX (XXXX): XXXX: Please see the attached
 04/16/2026     1 C A C A C A C A C A   CA Primary Refinance - Cash-out - Other   D B D A C B D A   Exempt from ATR No
XXXXXX 4000123796 XXXXXX   XXXXXX     Compliance Compliance Federal Compliance TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act:  Subject loan transaction disbursed on XXXX, prior to three (3) business days from transaction date of XXXX.         Reviewer Comment (2026-04-15): Updated per Final Settlement Statement. Cleared.


Seller Comment (2026-04-15): Comment from XXXX (XXXX): XXXX Please see attached Final settlement Statement that confirms the loan disbursed on XXXX
 04/15/2026     1 C A C A C A C A C A   CA Primary Refinance - Cash-out - Other TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form D B D A C B D A   Exempt from ATR Yes
XXXXXX 4000123796 XXXXXX   XXXXXX     Compliance Compliance Federal Compliance Missing Application Date Missing Initial Loan Application Testing No evidence of application date located in file.  Compliance tests were run using an application date of XXXX which is 1 months prior to consummation.  A lookback was performed to determine this application date using the following dates: XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX.  Lookback testing performed up to one of the following: TRID start date, TIL/MDIA XXXX start date, RESPA XXXX start date,  TIL/MDIA XXXX start date, LOS Application Date, Broker Application Date, or six months prior to consummation. Initial 1003 is not in file.       Reviewer Comment (2026-04-13): Accepted as is.
     04/13/2026 2 B B B B B B B B B B   CA Primary Refinance - Cash-out - Other   D B D A C B D A   Exempt from ATR No
XXXXXX 4000123796 XXXXXX   XXXXXX     Compliance Compliance Federal Compliance RESPA RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.       Reviewer Comment (2026-04-13): Accepted as is.
     04/13/2026 2 B B B B B B B B B B   CA Primary Refinance - Cash-out - Other   D B D A C B D A   Exempt from ATR No
XXXXXX 4000123796 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-04-28): Accepted as is.
     04/28/2026 1   N/A   A   N/A       N/A   CA Primary Refinance - Cash-out - Other   D B D A C B D A   Exempt from ATR No
XXXXXX 4000123796 XXXXXX   XXXXXX     Compliance Compliance Federal Compliance RESPA RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application RESPA Disclosure Rule (Dodd-Frank 2014): List of Homeownership Counseling Organizations not provided to applicant within three (3) business days of application. RESPA Disclosure Rule (Dodd-Frank 2014): List of Homeownership Counseling Organizations not provided to applicant within three (3) business days of application.       Reviewer Comment (2026-04-28): Accepted as is.
     04/28/2026 2   B   B   B   B   B   CA Primary Refinance - Cash-out - Other   D B D A C B D A   Exempt from ATR No
XXXXXX 4000123684 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___ Loan is to be securitized. One valuation was provided, with no CU or LCA.       Reviewer Comment (2026-04-10): Client elects to waive
     04/10/2026 1 N/A N/A A A N/A N/A     N/A N/A   CA Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000123684 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___ Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date.       Reviewer Comment (2026-04-10): Client elects to waive
     04/10/2026 2 A A A A A A     B B   CA Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000122912 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-04-10): Client elects to waive
     04/10/2026 1 N/A N/A A A N/A N/A     N/A N/A   MA Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000122912 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-04-10): Client elects to waive
     04/10/2026 2 A A A A A A     B B   MA Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000121404 XXXXXX   XXXXXX     Property Appraisal Reconciliation Appraisal Documentation Appraisal Reconciliation Appraisal from prior transaction provided. No secondary valuation with effective date less than 3 months past note date provided. Sec ID: 156 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-04-10): Client elects to waive
     04/10/2026 1 N/A N/A A A N/A N/A     N/A N/A   CO Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000121785 XXXXXX   XXXXXX     Compliance Compliance Federal Compliance TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act:  Subject loan transaction disbursed on XXXX, prior to three (3) business days from transaction date of XXXX. Subject loan transaction disbursed on XXXX, prior to three (3) business days from transaction date of XXXX.       Reviewer Comment (2026-04-13): LOE, proof of receipt and corrected RTC form provided


Seller Comment (2026-04-13): Comment from XXXX (XXXX): XXXX Please see attached Letter of Explanation and RTC sent to borrower to re-open the rescission
   04/13/2026   2 C B C B C B C B C B   NC Primary Refinance - Cash-out - Other TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C B A A C B A A   Exempt from ATR Yes
XXXXXX 4000121785 XXXXXX   XXXXXX     Compliance Compliance Federal Compliance TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date Truth in Lending Act:  Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). Actual Date(s) on Notice of Right to Cancel occur prior to expected date(s).       Reviewer Comment (2026-04-13): Letter of Explanation, Proof of Delivery, and the correct model form received
   04/13/2026   2 C B C B C B C B C B   NC Primary Refinance - Cash-out - Other TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C B A A C B A A   Exempt from ATR Yes
XXXXXX 4000121785 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-04-10): Client elects to waive
     04/10/2026 2 A A A A A A     B B   NC Primary Refinance - Cash-out - Other   C B A A C B A A   Exempt from ATR No
XXXXXX 4000121785 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-04-10): Client elects to waive
     04/10/2026 1 N/A N/A A A N/A N/A     N/A N/A   NC Primary Refinance - Cash-out - Other   C B A A C B A A   Exempt from ATR No
XXXXXX 4000122892 XXXXXX   XXXXXX     Credit Title Document Error Title The Commitment or Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. Title Evidence: ___;
State: ___		         Reviewer Comment (2026-04-10): Client elects to waive
     04/10/2026 2 B B B B B B B B B B   CA Primary Refinance - Cash-out - Other   B B B B A A A A   Exempt from ATR No
XXXXXX 4000122892 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-04-10): Client elects to waive
     04/10/2026 2 A A A A A A     B B   CA Primary Refinance - Cash-out - Other   B B B B A A A A   Exempt from ATR No
XXXXXX 4000122892 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___ Loan is to be securitized.  One valuation was provided with no CU or LCA..       Reviewer Comment (2026-04-10): Client elects to waive
     04/10/2026 1 N/A N/A A A N/A N/A     N/A N/A   CA Primary Refinance - Cash-out - Other   B B B B A A A A   Exempt from ATR No
XXXXXX 4000116441 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___ Secondary valuation not required in Heloc Second lien file.       Reviewer Comment (2026-04-13): Accepted as is.
     04/13/2026 1 N/A N/A A A N/A N/A     N/A N/A   MD Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000123894 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-04-10): Client elects to waive
     04/10/2026 1 N/A N/A A A N/A N/A     N/A N/A   CA Primary Refinance - Cash-out - Other   B B B B A A A A   Exempt from ATR No
XXXXXX 4000123894 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-04-10): Client elects to waive
     04/10/2026 2 A A A A A A     B B   CA Primary Refinance - Cash-out - Other   B B B B A A A A   Exempt from ATR No
XXXXXX 4000123894 XXXXXX   XXXXXX     Credit Title Document Error Title The Commitment or Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. Title Evidence: ___;
State: ___		 The preliminary title policy is within XXXX and does not reflect a coverage amount (no final title policy in file).       Reviewer Comment (2026-04-10): Client elects to waive
     04/10/2026 2 B B B B B B B B B B   CA Primary Refinance - Cash-out - Other   B B B B A A A A   Exempt from ATR No
XXXXXX 4000123772 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___ XXXX AVM in file. CU or LCA not provided.       Reviewer Comment (2026-04-14): Client elects to waive
     04/14/2026 1 N/A N/A A A N/A N/A     N/A N/A   PA Primary Refinance - Cash-out - Other   C A C A A A A A   Exempt from ATR No
XXXXXX 4000123772 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___ XXXX AVM dated XXXX. The Application date is XXXX. The Note date is XXXX.       Reviewer Comment (2026-04-14): Client elects to waive
     04/14/2026 2 A A A A A A     B B   PA Primary Refinance - Cash-out - Other   C A C A A A A A   Exempt from ATR No
XXXXXX 4000123772 XXXXXX   XXXXXX     Credit Loan Package Documentation Application / Processing Missing Document  Missing Document: Fraud Report not provided   Fraud Report is missing.       Reviewer Comment (2026-04-15): Received Fraud report. Exception cleared.


Seller Comment (2026-04-14): Comment from XXXX (XXXX): Report attached
 04/15/2026     1 C A C A C A C A C A   PA Primary Refinance - Cash-out - Other   C A C A A A A A   Exempt from ATR No
XXXXXX 4000120677 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___ XXXX AVM by XXXX in file. CU or LCA not provided.       Reviewer Comment (2026-04-13): Accepted as is.
     04/13/2026 2 A A A A A A     B B   CA Primary Refinance - Cash-out - Other   C A C A A A A A   Exempt from ATR No
XXXXXX 4000120677 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___ XXXX AVM by XXXX in file. CU or LCA not provided.       Reviewer Comment (2026-04-13): Accepted as is.
     04/13/2026 1 N/A N/A A A N/A N/A     N/A N/A   CA Primary Refinance - Cash-out - Other   C A C A A A A A   Exempt from ATR No
XXXXXX 4000120677 XXXXXX   XXXXXX     Credit Credit Miscellaneous Guideline Credit Exception:   Need proof that the primary mortgage on the XXXX property is not paid by the borrowers.       Reviewer Comment (2026-04-16): Received 12 months evidence son pays mortgage on Tahoe


Seller Comment (2026-04-16): Comment from XXXX (XXXX): Proof the mortgage is paid by the son.
 04/16/2026     1 C A C A C A C A C A   CA Primary Refinance - Cash-out - Other   C A C A A A A A   Exempt from ATR No
XXXXXX 4000123895 XXXXXX   XXXXXX     Credit Insurance Insurance Analysis Insurance Insufficient Coverage: Hazard insurance coverage amount is insufficient.   Hazard Insurance Coverage Amount is insufficient.       Reviewer Comment (2026-04-20): RCE provided. Cleared.


Seller Comment (2026-04-20): Comment from XXXX (XXXX):XXXX: Please see attached.
 04/20/2026     1 C A C A C A C A C A   VA Primary Refinance - Cash-out - Other   C A C A C A A A   Exempt from ATR No
XXXXXX 4000123895 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-04-14): Accepted as is.
     04/14/2026 1 N/A N/A A A N/A N/A     N/A N/A   VA Primary Refinance - Cash-out - Other   C A C A C A A A   Exempt from ATR No
XXXXXX 4000123895 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-04-14): Accepted as is.
     04/14/2026 2 A A A A A A     B B   VA Primary Refinance - Cash-out - Other   C A C A C A A A   Exempt from ATR No
XXXXXX 4000123895 XXXXXX   XXXXXX     Compliance Compliance Federal Compliance TILA TILA HELOC - Credit Agreement Not Provided Timely Truth in Lending Act (HELOC): Credit Agreement not provided to borrower at time of account opening.         Reviewer Comment (2026-04-16): Received, Clearing.


Seller Comment (2026-04-15): Comment from XXXX (XXXX): XXXX: Please see the attached //
 04/16/2026     1 C A C A C A C A C A   VA Primary Refinance - Cash-out - Other   C A C A C A A A   Exempt from ATR No
XXXXXX 4000123895 XXXXXX   XXXXXX     Compliance Compliance Federal Compliance TILA TILA HELOC - Billing Rights Disclosure Not Provided Timely Truth in Lending Act (HELOC): "Billing Rights" disclosure not provided to borrower at time of account opening.         Reviewer Comment (2026-04-16): Received, Clearing.


Buyer Comment (2026-04-15): Comment from XXXX (XXXX): XXXX: Please see the attached HELOC docs //
 04/16/2026     1 C A C A C A C A C A   VA Primary Refinance - Cash-out - Other   C A C A C A A A   Exempt from ATR No
XXXXXX 4000123895 XXXXXX   XXXXXX     Compliance Compliance Federal Compliance TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act:  Subject loan transaction disbursed on XXXX, prior to three (3) business days from transaction date of XXXX.         Reviewer Comment (2026-04-16): HELOC agreement and Security instrument signed on XXXX
 04/16/2026     1 C A C A C A C A C A   VA Primary Refinance - Cash-out - Other TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C A C A C A A A   Exempt from ATR Yes
XXXXXX 4000123895 XXXXXX   XXXXXX     Compliance Compliance Federal Compliance TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date Truth in Lending Act:  Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s).         Reviewer Comment (2026-04-16): HELOC agreement and Security instrument signed on XXXX


Buyer Comment (2026-04-16): Comment from XXXX (XXXX): XXXX Disagree. The borrower signed docs on XXXX and the midnight date is XXXX and disbursed on XXXX.
 04/16/2026     1   A   A   A   A   A   VA Primary Refinance - Cash-out - Other TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C A C A C A A A   Exempt from ATR Yes
XXXXXX 4000121154 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-04-14): Accepted as is.
     04/14/2026 1 N/A N/A A A N/A N/A     N/A N/A   CA Investment Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000121154 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-04-14): Accepted as is.
     04/14/2026 2 A A A A A A     B B   CA Investment Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000121203 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-04-14): Accepted as is.
     04/14/2026 1 N/A N/A A A N/A N/A     N/A N/A   AR Investment Refinance - Cash-out - Other   C A C A A A A A   Exempt from ATR No
XXXXXX 4000121203 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-04-14): Accepted as is.
     04/14/2026 2 A A A A A A     B B   AR Investment Refinance - Cash-out - Other   C A C A A A A A   Exempt from ATR No
XXXXXX 4000121203 XXXXXX   XXXXXX     Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Guideline Requirement: Investor qualifying total debt ratio discrepancy.   Calculated investor qualifying total debt ratio of XXXX% exceeds Guideline total debt ratio of XXXX%.       Reviewer Comment (2026-04-17): The DTI initially appeared to exceed XXXX% due to the qualification method; however, the actual DTI is XXXX%, which is within guideline limits. Therefore, the exception is cleared.


Seller Comment (2026-04-17): Comment from XXXX (XXXX): It seems you are using the wrong figures for the primary and REO payments
 04/17/2026     1 C A C A C A C A C A   AR Investment Refinance - Cash-out - Other   C A C A A A A A   Exempt from ATR No
XXXXXX 4000122903 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-04-14): Accepted as is.
     04/14/2026 1 N/A N/A A A N/A N/A     N/A N/A   CA Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000121758 XXXXXX   XXXXXX     Credit Legal / Regulatory / Compliance Title / Lien Defect Title Title Policy is Preliminary or Commitment, and not a Final Title Policy. Title Evidence: ___ Title policy is Preliminary or Commitment, and not a Final Title policy.       Reviewer Comment (2026-04-27): Accepted as is.
     04/27/2026 1 A A A A A A A A A A   NC Investment Refinance - Cash-out - Other   D B A A B B D B   Exempt from ATR No
XXXXXX 4000121758 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 180   A valid UCDP score was not provided. A secondary valuation is required to support the primary value for securitization purposes.       Reviewer Comment (2026-04-27): Received, Clearing.


Seller Comment (2026-04-27): Comment from XXXX (XXXX): Please see attached
 04/27/2026     1 N/A A A A N/A A   A D A   NC Investment Refinance - Cash-out - Other   D B A A B B D B   Exempt from ATR No
XXXXXX 4000121758 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 372 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-04-14): Accepted as is.
     04/14/2026 2 B B A A A A     A A   NC Investment Refinance - Cash-out - Other   D B A A B B D B   Exempt from ATR No
XXXXXX 4000121758 XXXXXX   XXXXXX     Compliance Compliance Federal Compliance ECOA ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. Receipt of Appraisal is missing.       Reviewer Comment (2026-04-14): Accepted as is.
     04/14/2026 2 B B B B B B B B B B   NC Investment Refinance - Cash-out - Other   D B A A B B D B   Exempt from ATR No
XXXXXX 4000121758 XXXXXX   XXXXXX     Property Valuation General Valuation Valuation Product pending   XXXX / Post Disaster Inspection + XXXX - 5 Days.       Reviewer Comment (2026-04-27): Received, Clearing.
 04/27/2026     1 A A A A A A A A A A   NC Investment Refinance - Cash-out - Other   D B A A B B D B   Exempt from ATR No
XXXXXX 4000121758 XXXXXX   XXXXXX     Compliance Compliance Federal Compliance ECOA ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation.         Reviewer Comment (2026-04-27): Accepted as is.
     04/27/2026 2   B   B   B   B   B   NC Investment Refinance - Cash-out - Other   D B A A B B D B   Exempt from ATR No
XXXXXX 4000120620 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-04-14): Accepted as is.
     04/14/2026 1 N/A N/A A A N/A N/A     N/A N/A   IL Investment Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000120620 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-04-14): Accepted as is.
     04/14/2026 2 A A A A A A     B B   IL Investment Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000119864 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 372 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-04-15): Accepted as is.
     04/15/2026 2 B B A A A A     A A   IN Investment Refinance - Cash-out - Other   D D A A A A D D   Exempt from ATR No
XXXXXX 4000119864 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 180 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-04-15): Accepted as is based on meeting three RAs requirements
       3 N/A N/A A A N/A N/A     D D   IN Investment Refinance - Cash-out - Other   D D A A A A D D   Exempt from ATR No
XXXXXX 4000122097 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___ Loan is to be securitized. One valuation was provided, with no CU or LCA.       Reviewer Comment (2026-04-15): Accepted as is.
     04/15/2026 1 N/A N/A A A N/A N/A     N/A N/A   CA Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000122097 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___ Secondary valuation is not required for second lien files as per HELOC program.       Reviewer Comment (2026-04-15): Accepted as is.
     04/15/2026 2 A A A A A A     B B   CA Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000122468 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___ Loan is to be securitized. One valuation was provided, with no CU or LCA.       Reviewer Comment (2026-04-15): Accepted as is.
     04/15/2026 1 N/A N/A A A N/A N/A     N/A N/A   CA Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000123503 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-04-16): Accepted as is.
     04/16/2026 1 N/A N/A A A N/A N/A     N/A N/A   CT Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000123503 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-04-16): Accepted as is.
     04/16/2026 2 A A A A A A     B B   CT Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000124480 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-04-15): Accepted as is.
     04/15/2026 1 N/A N/A A A N/A N/A     N/A N/A   CA Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000124480 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-04-15): Accepted as is.
     04/15/2026 2 A A A A A A     B B   CA Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000122099 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___ CU and/or LCA Risk Score is <= XXXX, however, a secondary appraisal is available in the file, hence updated.       Reviewer Comment (2026-04-16): Accepted as is.
     04/16/2026 1 N/A N/A A A N/A N/A     N/A N/A   MO Primary Refinance - Cash-out - Other   C A C A A A A A   Exempt from ATR No
XXXXXX 4000122099 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-04-16): Accepted as is.
     04/16/2026 2 A A A A A A     B B   MO Primary Refinance - Cash-out - Other   C A C A A A A A   Exempt from ATR No
XXXXXX 4000122099 XXXXXX   XXXXXX     Credit Income / Employment Income Documentation Income / Employment Income Docs Missing: - VVOE is missing for XXXX.       Reviewer Comment (2026-04-23): Received Third party Verification of Employment. Exception cleared.


Seller Comment (2026-04-23): Comment from XXXX (XXXX): VVOE is on page 319. XXXX is the parent company of XXXX. Please waive
 04/23/2026     1 C A C A C A C A C A   MO Primary Refinance - Cash-out - Other   C A C A A A A A   Exempt from ATR No
XXXXXX 4000122099 XXXXXX   XXXXXX     Credit Income / Employment Income Documentation Income / Employment Verification(s) of employment is not within 10 calendar days of the Note. - Verification(s) of employment not provided       Reviewer Comment (2026-04-23): Received Third party Verification of Employment dated XXXX is within 10 calendar days prior to Note date. Exception cleared.


Seller Comment (2026-04-23): Comment from XXXX (XXXX): VVOE is on page 319. XXXX is the parent company of XXXX. Please waive
 04/23/2026     1 C A C A C A C A C A   MO Primary Refinance - Cash-out - Other   C A C A A A A A   Exempt from ATR No
XXXXXX 4000121096 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___ Secondary valuation not required in Heloc Second lien file.       Reviewer Comment (2026-04-16): Accepted as is.
     04/16/2026 1 N/A N/A A A N/A N/A     N/A N/A   NJ Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000121096 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___ Secondary valuation not required in Heloc Second lien file.       Reviewer Comment (2026-04-16): Accepted as is.
     04/16/2026 2 A A A A A A     B B   NJ Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000124224 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___ Secondary valuation is not required for second lien files as per HELOC program.       Reviewer Comment (2026-04-16): Accepted as is.
     04/16/2026 2 A A A A A A     B B   CA Primary Refinance - Cash-out - Other   B B A A A A B B   Exempt from ATR No
XXXXXX 4000123593 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___ Secondary valuation is not required for second lien files as per HELOC program.       Reviewer Comment (2026-04-16): Accepted as is.
     04/16/2026 2 A A A A A A     B B   SC Second Home Refinance - Cash-out - Other   C A C A A A A A   Exempt from ATR No
XXXXXX 4000123593 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___ Loan is to be securitized. One valuation was provided, with no CU or LCA.       Reviewer Comment (2026-04-16): Accepted as is.
     04/16/2026 1 N/A N/A A A N/A N/A     N/A N/A   SC Second Home Refinance - Cash-out - Other   C A C A A A A A   Exempt from ATR No
XXXXXX 4000123593 XXXXXX   XXXXXX     Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Guideline Requirement: Investor qualifying total debt ratio discrepancy.   Calculated investor qualifying total debt ratio of XXXX% exceeds Guideline total debt ratio of XXXX%.       Reviewer Comment (2026-04-21): First mortgage is not in the borrower's name


Reviewer Comment (2026-04-21): EXCEPTION HISTORY - Exception Explanation was updated on XXXX PRIOR Exception Explanation: Calculated investor qualifying total debt ratio of XXXX% exceeds Guideline total debt ratio of XXXX%.


Seller Comment (2026-04-21): Comment from XXXX (XXXX): XXXX: Please note that the subject first lien is being excluded as the borrower is not obligated. The note and mortgage statement confirm XXXX is the obligated party who is not on the loan.
 04/21/2026     1 C A C A C A C A C A   SC Second Home Refinance - Cash-out - Other   C A C A A A A A   Exempt from ATR No
XXXXXX 4000123593 XXXXXX   XXXXXX     Credit Income / Employment Income Documentation Missing Document  REO Documents are missing. - HOA Verification is missing for XXXX.       Reviewer Comment (2026-04-21): Received HOA Verification. Exception cleared.


Seller Comment (2026-04-21): Comment from XXXX (XXXX): XXXX: Please note that a settlement statement for XXXX was provided, and the monthly HOA dues are listed on page 3 for $XXXX per month for XXXX HOA.
 04/21/2026     1 C A C A C A C A C A   SC Second Home Refinance - Cash-out - Other   C A C A A A A A   Exempt from ATR No
XXXXXX 2000000508 XXXXXX   XXXXXX     Credit Loan Package Documentation Application / Processing Loan Package Documentation Missing Document: Missing Final 1003           Reviewer Comment (2026-04-23): Received, Clearing.


Buyer Comment (2026-04-23): Signed 1003


Reviewer Comment (2026-04-20): Required Singed Final 1003 Application. Exception remains.


Buyer Comment (2026-04-20): FInal 1003


Reviewer Comment (2026-04-17): Final 1003 is required for HELOC. Exception remains.


Buyer Comment (2026-04-17): This is a HELOC.  Final is not needed


Reviewer Comment (2026-04-16): Missing the final 1003. Received was the initial 1003.
 04/23/2026     1 C A C A C A C A C A   CA Primary Refinance - Cash-out - Other   C A C A A A A A   Exempt from ATR No
XXXXXX 2000000508 XXXXXX   XXXXXX     Credit Income / Employment Income Documentation Income / Employment Verification(s) of employment is not within 10 business days of the Note. -         Reviewer Comment (2026-04-16): Received, Clearing.
 04/16/2026     1 C A C A C A C A C A   CA Primary Refinance - Cash-out - Other   C A C A A A A A   Exempt from ATR No
XXXXXX 4000122378 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-04-17): Accepted as is.
     04/17/2026 2 A A A A A A     B B   OR Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000122378 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-04-17): Accepted as is.
     04/17/2026 1 N/A N/A A A N/A N/A     N/A N/A   OR Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000122372 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-04-17): Accepted as is.
     04/17/2026 1 N/A N/A A A N/A N/A     N/A N/A   NJ Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000122372 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-04-17): Accepted as is.
     04/17/2026 2 A A A A A A     B B   NJ Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000120310 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___ CU and/or LCA Risk Score is <= XXXX, however, a secondary appraisal is available in the file, hence it was updated.       Reviewer Comment (2026-05-27): Accepted as is.


Reviewer Comment (2026-05-27): .


Reviewer Comment (2026-04-20): CES/HELOC CDA " Accepted as is based on meeting three RAs requirements.


Buyer Comment (2026-04-20): Comment from XXXX (XXXX): Can you please clarify what the issue is here?
     05/27/2026 1 N/A N/A A A N/A N/A     N/A N/A   NV Investment Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000120310 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-04-20): Accepted as is.
     04/20/2026 2 A A A A A A     B B   NV Investment Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000124070 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-04-17): Accepted as is.
     04/17/2026 1 N/A N/A A A N/A N/A     N/A N/A   CA Primary Refinance - Cash-out - Other   D A D A A A A A   Exempt from ATR No
XXXXXX 4000124070 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-04-17): Accepted as is.
     04/17/2026 2 A A A A A A     B B   CA Primary Refinance - Cash-out - Other   D A D A A A A A   Exempt from ATR No
XXXXXX 4000124070 XXXXXX   XXXXXX     Credit Loan Package Documentation Application / Processing Loan Package Documentation Missing Document: Note - Senior Lien not provided   Missing the first mortgage statement or note.       Reviewer Comment (2026-04-24): Clearing.


Buyer Comment (2026-04-24): Comment from XXXX (XXXX): XXXX: A mortgage statement or note is not required if we use the higher payment shown on the credit report and the file is based on that information. According to the guidelines, knowing the interest rate of the first lien is unnecessary as it does not influence the review of a HELOC.


Reviewer Comment (2026-04-22): Received credit supplement report we are not able to verify senior lien interest rate please provide mortgage statement or Note document. Exception remains.


Seller Comment (2026-04-22): Comment from XXXX (XXXX): XXXX: Please find the attached credit supplements, which indicate no late payments. Additionally, the mortgage statement or note is not required, as we are applying the highest possible payment for the mortgage to the file.
 04/24/2026     1 D A D A D A D A D A   CA Primary Refinance - Cash-out - Other   D A D A A A A A   Exempt from ATR No
XXXXXX 4000123322 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-04-17): Accepted as is.
     04/17/2026 1 N/A N/A A A N/A N/A     N/A N/A   OR Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000123322 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-04-17): Accepted as is.
     04/17/2026 2 A A A A A A     B B   OR Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000124676 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-04-17): Accepted as is.
     04/17/2026 1 N/A N/A A A N/A N/A     N/A N/A   CA Primary Refinance - Cash-out - Other   B B B B A A A A   Exempt from ATR No
XXXXXX 4000124676 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-04-17): Accepted as is.
     04/17/2026 2 A A A A A A     B B   CA Primary Refinance - Cash-out - Other   B B B B A A A A   Exempt from ATR No
XXXXXX 4000124676 XXXXXX   XXXXXX     Credit Title General Title Title Policy Coverage is less than Original Loan Amount. The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file.         Reviewer Comment (2026-04-17): Accepted as is.
     04/17/2026 2 B B B B B B B B B B   CA Primary Refinance - Cash-out - Other   B B B B A A A A   Exempt from ATR No
XXXXXX 4000122073 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___ Loan is to be securitized. One valuation was provided, with no CU or LCA.       Reviewer Comment (2026-04-17): Accepted as is.
     04/17/2026 1 N/A N/A A A N/A N/A     N/A N/A   FL Primary Refinance - Cash-out - Other   B B B B A A A A   Exempt from ATR No
XXXXXX 4000122073 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___ Secondary valuation is not required for second lien files as per HELOC program.       Reviewer Comment (2026-04-17): Accepted as is.
     04/17/2026 2 A A A A A A     B B   FL Primary Refinance - Cash-out - Other   B B B B A A A A   Exempt from ATR No
XXXXXX 4000122073 XXXXXX   XXXXXX     Credit Title General Title Title Policy Coverage is less than Original Loan Amount. The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. The Title Policy Amount of $XXXXis less than the note amount of $XXXX based on the Commitment in file.       Reviewer Comment (2026-04-17): Accepted as is.
     04/17/2026 2 B B B B B B B B B B   FL Primary Refinance - Cash-out - Other   B B B B A A A A   Exempt from ATR No
XXXXXX 4000122850 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-04-17): Accepted as is.
     04/17/2026 2 A A A A A A     B B   FL Primary Refinance - Cash-out - Other   B B B B A A A A   Exempt from ATR No
XXXXXX 4000122850 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-04-17): Accepted as is.
     04/17/2026 1 N/A N/A A A N/A N/A     N/A N/A   FL Primary Refinance - Cash-out - Other   B B B B A A A A   Exempt from ATR No
XXXXXX 4000122850 XXXXXX   XXXXXX     Credit Title General Title Title Policy Coverage is less than Original Loan Amount. The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file.         Reviewer Comment (2026-04-17): Accepted as is.
     04/17/2026 2 B B B B B B B B B B   FL Primary Refinance - Cash-out - Other   B B B B A A A A   Exempt from ATR No
XXXXXX 4000122911 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-04-17): Accepted as is.
     04/17/2026 2 A A A A A A     B B   IL Primary Refinance - Cash-out - Other   B B A A A A B B   Exempt from ATR No
XXXXXX 4000119194 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___ XXXX AVM dated XXXX in file. CU or LCA not provided.       Reviewer Comment (2026-04-20): Accepted as is.
     04/20/2026 1 N/A N/A A A N/A N/A     N/A N/A   NJ Primary Refinance - Cash-out - Other   B B B B A A A A   Exempt from ATR No
XXXXXX 4000119194 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___ XXXX AVM dated XXXX. The Application date is XXXX. The Note date is XXXX.       Reviewer Comment (2026-04-20): Accepted as is.
     04/20/2026 2 A A A A A A     B B   NJ Primary Refinance - Cash-out - Other   B B B B A A A A   Exempt from ATR No
XXXXXX 4000119194 XXXXXX   XXXXXX     Credit Insurance Insurance Analysis Insurance Hazard Insurance Policy expires within 90 days of the Note Date. Hazard Insurance Policy Expiration Date ___, Note Date ___ Hazard Insurance Policy expires XXXX. The Note date is XXXX.       Reviewer Comment (2026-04-20): Accepted as is.
     04/20/2026 2 B B B B B B B B B B   NJ Primary Refinance - Cash-out - Other   B B B B A A A A   Exempt from ATR No
XXXXXX 4000119194 XXXXXX   XXXXXX     Compliance Compliance Federal Compliance Compliance Subject to Rescission Loan is subject to Rescission. Loan is subject to Rescission.       Reviewer Comment (2026-04-20): Accepted as is.
     04/20/2026 1 A A A A A A A A A A   NJ Primary Refinance - Cash-out - Other   B B B B A A A A   Exempt from ATR No
XXXXXX 4000122559 XXXXXX   XXXXXX     Credit Income / Employment Income Documentation Missing Document  REO Documents are missing. - The file was missing a copy of HOA Verification.       Reviewer Comment (2026-04-27): Received Property History report confirms that the property does not have an HOA. Exception cleared.


Seller Comment (2026-04-27): Comment from XXXX (XXXX): Please see attached
 04/27/2026     1 C A C A C A C A C A   PA Primary Refinance - Cash-out - Other   C A C A A A A A   Exempt from ATR No
XXXXXX 4000122559 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-04-20): Accepted as is.
     04/20/2026 2 A A A A A A     B B   PA Primary Refinance - Cash-out - Other   C A C A A A A A   Exempt from ATR No
XXXXXX 4000122559 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-04-28): Accepted as is.
     04/28/2026 1 N/A N/A A A N/A N/A     N/A N/A   PA Primary Refinance - Cash-out - Other   C A C A A A A A   Exempt from ATR No
XXXXXX 4000122559 XXXXXX   XXXXXX     Compliance Compliance Federal Compliance TILA Truth in Lending Act (HELOC): Fee amounts for testing were sourced from one or more fee documents in file containing higher amounts than that reflected on HELOC Agreement. Truth in Lending Act (HELOC): Fee amounts were sourced from multiple disclosures containing higher amounts than that reflected on HELOC Agreement.         Reviewer Comment (2026-04-20): Accepted as is.
     04/20/2026 2 A A A A A A A A A A   PA Primary Refinance - Cash-out - Other   C A C A A A A A   Exempt from ATR No
XXXXXX 4000123898 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___ Loan is to be securitized. One valuation was provided, with no CU or LCA.       Reviewer Comment (2026-04-20): Accepted as is.
     04/20/2026 1 N/A N/A A A N/A N/A     N/A N/A   CA Primary Refinance - Cash-out - Other   B B B B A A A A   Exempt from ATR No
XXXXXX 4000123898 XXXXXX   XXXXXX     Credit Title Document Error Title The Commitment or Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. Title Evidence: ___;
State: ___		 The Preliminary title policy is within XXXX does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided.       Reviewer Comment (2026-04-20): Accepted as is.
     04/20/2026 2 B B B B B B B B B B   CA Primary Refinance - Cash-out - Other   B B B B A A A A   Exempt from ATR No
XXXXXX 4000123898 XXXXXX   XXXXXX     Credit Legal / Regulatory / Compliance Title / Lien Defect Title Title Policy is Preliminary or Commitment, and not a Final Title Policy. Title Evidence: ___         Reviewer Comment (2026-04-20): Accepted as is.
     04/20/2026 1 A A A A A A A A A A   CA Primary Refinance - Cash-out - Other   B B B B A A A A   Exempt from ATR No
XXXXXX 4000123898 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___ Secondary valuation is not required for second lien files as per HELOC program.       Reviewer Comment (2026-04-20): Accepted as is.
     04/20/2026 2 A A A A A A     B B   CA Primary Refinance - Cash-out - Other   B B B B A A A A   Exempt from ATR No
XXXXXX 4000123898 XXXXXX   XXXXXX     Compliance Compliance Federal Compliance Compliance Subject to Rescission Loan is subject to Rescission.         Reviewer Comment (2026-04-20): Accepted as is.
     04/20/2026 1 A A A A A A A A A A   CA Primary Refinance - Cash-out - Other   B B B B A A A A   Exempt from ATR No
XXXXXX 4000124974 XXXXXX   XXXXXX     Compliance Compliance Federal Compliance Compliance Subject to Rescission Loan is subject to Rescission.         Reviewer Comment (2026-04-20): Accepted as is.
     04/20/2026 1 A A A A A A A A A A   CA Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000124974 XXXXXX   XXXXXX     Credit Legal / Regulatory / Compliance Title / Lien Defect Title Title Policy is Preliminary or Commitment, and not a Final Title Policy. Title Evidence: ___ Title policy is Preliminary or Commitment, and not a Final Title policy.       Reviewer Comment (2026-04-20): Accepted as is.
     04/20/2026 1 A A A A A A A A A A   CA Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000124974 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___ Loan is to be securitized. One valuation was provided, with no CU or LCA.       Reviewer Comment (2026-04-20): Accepted as is.
     04/20/2026 1 N/A N/A A A N/A N/A     N/A N/A   CA Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000124974 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___ Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date.       Reviewer Comment (2026-04-20): Accepted as is.
     04/20/2026 2 A A A A A A     B B   CA Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000121236 XXXXXX   XXXXXX     Credit Income / Employment Income Documentation Income / Employment Verification(s) of employment is not within 10 business days of the Note. - Verification(s) of employment is missing in file.       Reviewer Comment (2026-04-28): Received Verification of Employment datedXXXX is within 10 Business days prior to Note date. Exception cleared.


Buyer Comment (2026-04-28): Comment from XXXX (XXXX): VVOE is on page 370 of the loan file. Please waive
 04/28/2026     1 C A C A C A C A C A   IL Primary Refinance - Cash-out - Other   C A C A A A A A   Exempt from ATR No
XXXXXX 4000121236 XXXXXX   XXXXXX     Credit Income / Employment Income Documentation Income / Employment Income Docs Missing: -         Reviewer Comment (2026-04-28): Received W-2. Exception cleared.


Seller Comment (2026-04-28): Comment from XXXX (XXXX): Please see attached
 04/28/2026     1 C A C A C A C A C A   IL Primary Refinance - Cash-out - Other   C A C A A A A A   Exempt from ATR No
XXXXXX 4000121786 XXXXXX   XXXXXX     Credit Legal / Regulatory / Compliance Title / Lien Defect Title Title Policy is Preliminary or Commitment, and not a Final Title Policy. Title Evidence: ___ Title policy is Preliminary or Commitment, and not a Final Title policy       Reviewer Comment (2026-04-20): Accepted as is.
     04/20/2026 1 A A A A A A A A A A   CA Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000121786 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___ Loan is to be securitized. One valuation was provided, with no CU or LCA.       Reviewer Comment (2026-04-20): Accepted as is.
     04/20/2026 1 N/A N/A A A N/A N/A     N/A N/A   CA Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000121786 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___ Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date.       Reviewer Comment (2026-04-20): Accepted as is.
     04/20/2026 2 A A A A A A     B B   CA Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000121786 XXXXXX   XXXXXX     Compliance Compliance Federal Compliance Compliance Subject to Rescission Loan is subject to Rescission.         Reviewer Comment (2026-04-20): Accepted as is.
     04/20/2026 1 A A A A A A A A A A   CA Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000124678 XXXXXX   XXXXXX     Credit Legal / Regulatory / Compliance Title / Lien Defect Title Title Policy is Preliminary or Commitment, and not a Final Title Policy. Title Evidence: ___ Title policy is Preliminary or Commitment, and not a Final Title policy       Reviewer Comment (2026-04-20): Accepted as is.
     04/20/2026 1 A A A A A A A A A A   WA Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000124678 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___ Loan is to be securitized. One valuation was provided, with no CU or LCA.       Reviewer Comment (2026-04-20): Accepted as is.
     04/20/2026 1 N/A N/A A A N/A N/A     N/A N/A   WA Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000124678 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___ Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date.       Reviewer Comment (2026-04-20): Accepted as is.
     04/20/2026 2 A A A A A A     B B   WA Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000124678 XXXXXX   XXXXXX     Compliance Loan Package Documentation Closing / Title Loan Package Documentation Originator Application Date is less than 7 days prior to consummation. Please confirm date input reflects the appropriate date. Originator Application Date: ___         Reviewer Comment (2026-04-20): Accepted as is.
     04/20/2026 1 A A A A A A A A A A   WA Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000124678 XXXXXX   XXXXXX     Compliance Compliance Federal Compliance Compliance Subject to Rescission Loan is subject to Rescission.         Reviewer Comment (2026-04-20): Accepted as is.
     04/20/2026 1 A A A A A A A A A A   WA Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000124347 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-04-21): Accepted as is.
     04/21/2026 2 A A A A A A     B B   FL Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000124347 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-04-22): Accepted as is.
     04/22/2026 1 N/A N/A A A N/A N/A     N/A N/A   FL Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000124347 XXXXXX   XXXXXX     Compliance Compliance Federal Compliance TILA Truth in Lending Act (HELOC): Fee amounts for testing were sourced from one or more fee documents in file containing higher amounts than that reflected on HELOC Agreement. Truth in Lending Act (HELOC): Fee amounts were sourced from multiple disclosures containing higher amounts than that reflected on HELOC Agreement.         Reviewer Comment (2026-04-21): Accepted as is.
     04/21/2026 2 A A A A A A A A A A   FL Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000124347 XXXXXX   XXXXXX     Compliance Compliance Federal Compliance Compliance Subject to Rescission Loan is subject to Rescission.         Reviewer Comment (2026-04-22): Accepted as is.
     04/22/2026 1 A A A A A A A A A A   FL Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000123990 XXXXXX   XXXXXX     Credit Legal / Regulatory / Compliance Title / Lien Defect Title Title Policy is Preliminary or Commitment, and not a Final Title Policy. Title Evidence: ___         Reviewer Comment (2026-04-22): Accepted as is.
     04/22/2026 1 A A A A A A A A A A   CA Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000123990 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___ Secondary valuation is not required for second-lien files as per HELOC program.       Reviewer Comment (2026-04-21): Accepted as is.
     04/21/2026 2 A A A A A A     B B   CA Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000123990 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___ Loan is to be securitized. One valuation was provided, with no CU or LCA.       Reviewer Comment (2026-04-22): Accepted as is.
     04/22/2026 1 N/A N/A A A N/A N/A     N/A N/A   CA Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000123990 XXXXXX   XXXXXX     Compliance Compliance Federal Compliance Compliance Subject to Rescission Loan is subject to Rescission.         Reviewer Comment (2026-04-22): Accepted as is.
     04/22/2026 1 A A A A A A A A A A   CA Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000124766 XXXXXX   XXXXXX     Credit Legal / Regulatory / Compliance Title / Lien Defect Title Title Policy is Preliminary or Commitment, and not a Final Title Policy. Title Evidence: ___         Reviewer Comment (2026-04-22): Accepted as is.
     04/22/2026 1 A A A A A A A A A A   CA Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000124766 XXXXXX   XXXXXX     Compliance Loan Package Documentation Closing / Title Loan Package Documentation Originator Application Date is less than 7 days prior to consummation. Please confirm date input reflects the appropriate date.           Reviewer Comment (2026-04-22): Accepted as is.
     04/22/2026 1 A A A A A A A A A A   CA Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000124766 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-04-22): Accepted as is.
     04/22/2026 1 N/A N/A A A N/A N/A     N/A N/A   CA Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000124766 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-04-21): Accepted as is.
     04/21/2026 2 A A A A A A     B B   CA Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000124766 XXXXXX   XXXXXX     Compliance Compliance Federal Compliance Compliance Subject to Rescission Loan is subject to Rescission.         Reviewer Comment (2026-04-22): Accepted as is.
     04/22/2026 1 A A A A A A A A A A   CA Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000124766 XXXXXX   XXXXXX     Compliance Loan Package Documentation Closing / Title Loan Package Documentation Originator Application Date is less than 7 days prior to consummation. Please confirm date input reflects the appropriate date. Originator Application Date: ___ Originator Application Date is less than 7 days prior to consummation.       Reviewer Comment (2026-04-22): Accepted as is.
     04/22/2026 1 A A A A A A A A A A   CA Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000123537 XXXXXX   XXXXXX     Credit Legal / Regulatory / Compliance Title / Lien Defect Title Title Policy is Preliminary or Commitment, and not a Final Title Policy. Title Evidence: ___         Reviewer Comment (2026-04-22): Accepted as is.
     04/22/2026 1 A A A A A A A A A A   CA Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000123537 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___ Loan is to be securitized. One valuation was provided, with no CU or LCA.       Reviewer Comment (2026-04-22): Accepted as is.
     04/22/2026 1 N/A N/A A A N/A N/A     N/A N/A   CA Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000123537 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___ Loan is to be securitized. One valuation was provided with an effective date between application date and note date.       Reviewer Comment (2026-04-21): Accepted as is.
     04/21/2026 2 A A A A A A     B B   CA Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000123537 XXXXXX   XXXXXX     Compliance Compliance Federal Compliance Compliance Subject to Rescission Loan is subject to Rescission.         Reviewer Comment (2026-04-22): Accepted as is.
     04/22/2026 1 A A A A A A A A A A   CA Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000122541 XXXXXX   XXXXXX     Credit Title General Title Title Policy Coverage is less than Original Loan Amount. The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. The Title Policy Amount of $XXXX is less than the note amount of $XXXX based on the Commitment in file.       Reviewer Comment (2026-04-21): Accepted as is.
     04/21/2026 2 B B B B B B B B B B   ID Primary Refinance - Cash-out - Other   B B B B A A A A   Exempt from ATR No
XXXXXX 4000122541 XXXXXX   XXXXXX     Property Appraisal Reconciliation Appraisal Documentation Appraisal Reconciliation Appraisal from prior transaction provided. No secondary valuation with effective date less than 3 months past note date provided. Sec ID: 156 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-04-22): Accepted as is.
     04/22/2026 1 N/A N/A A A N/A N/A     N/A N/A   ID Primary Refinance - Cash-out - Other   B B B B A A A A   Exempt from ATR No
XXXXXX 4000123024 XXXXXX   XXXXXX     Compliance Compliance Federal Compliance ECOA ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation.       Reviewer Comment (2026-04-21): Accepted as is.
     04/21/2026 2 B B B B B B B B B B   VA Investment Refinance - Cash-out - Other   D D C A B B D D   Exempt from ATR No
XXXXXX 4000123024 XXXXXX   XXXXXX     Credit Loan Package Documentation Application / Processing Loan Package Documentation FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected.   The subject property is located in a FEMA disaster area. A post disaster inspection verifying there was no damage to the subject property is required.       Reviewer Comment (2026-04-23): Received, Clearing.
 04/23/2026     1 C A C A C A C A C A   VA Investment Refinance - Cash-out - Other   D D C A B B D D   Exempt from ATR No
XXXXXX 4000123024 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 180 Note Date:  ___; Lien Position: ___ Loan is to be securitized. One valuation was provided, with no CU or LCA.       Reviewer Comment (2026-04-21): Accepted as is based on meeting three RAs requirements
       3 N/A N/A A A N/A N/A     D D   VA Investment Refinance - Cash-out - Other   D D C A B B D D   Exempt from ATR No
XXXXXX 4000123024 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 372 Note Date:  ___; Lien Position: ___ Secondary valuation is not required for second lien files as per HELOC program.       Reviewer Comment (2026-04-21): Accepted as is.
     04/21/2026 2 B B A A A A     A A   VA Investment Refinance - Cash-out - Other   D D C A B B D D   Exempt from ATR No
XXXXXX 4000123024 XXXXXX   XXXXXX     Credit Credit Credit Documentation Credit No evidence of fraud report in file - Fraud report was not found in file.       Reviewer Comment (2026-04-24): Received Fraud Report. Exception cleared.


Seller Comment (2026-04-23): Comment from XXXX (XXXX): Please see attached
 04/24/2026     1 C A C A C A C A C A   VA Investment Refinance - Cash-out - Other   D D C A B B D D   Exempt from ATR No
XXXXXX 4000123024 XXXXXX   XXXXXX     Credit Credit Credit Documentation Credit No evidence of fraud report in file - Fraud report was not found in file.       Reviewer Comment (2026-04-24): Received Fraud Report. Exception cleared.


Seller Comment (2026-04-23): Comment from XXXX (XXXX): Please see attached
 04/24/2026     1 C A C A C A C A C A   VA Investment Refinance - Cash-out - Other   D D C A B B D D   Exempt from ATR No
XXXXXX 4000123024 XXXXXX   XXXXXX     Property Valuation General Valuation Valuation Product pending   XXXX / Post Disaster Inspection + XXXX - 5 Days       Reviewer Comment (2026-04-23): Received, Clearing.


Reviewer Comment (2026-04-23): Valuation Received - XXXX
 04/23/2026     1   A   A   A   A   A   VA Investment Refinance - Cash-out - Other   D D C A B B D D   Exempt from ATR No
XXXXXX 4000124429 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___ XXXX AVM by XXXX in file. CU or LCA not provided.       Reviewer Comment (2026-04-21): Accepted as is.
     04/21/2026 2 A A A A A A     B B   CO Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000124429 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___ XXXX AVM by XXXX in file. CU or LCA not provided.       Reviewer Comment (2026-04-22): Accepted as is.
     04/22/2026 1 N/A N/A A A N/A N/A     N/A N/A   CO Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000124429 XXXXXX   XXXXXX     Compliance Compliance Federal Compliance Compliance Subject to Rescission Loan is subject to Rescission.         Reviewer Comment (2026-04-22): Accepted as is.
     04/22/2026 1 A A A A A A A A A A   CO Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000123801 XXXXXX   XXXXXX     Credit Legal / Regulatory / Compliance Title / Lien Defect Title Title Policy is Preliminary or Commitment, and not a Final Title Policy. Title Evidence: ___ Title policy is Preliminary or Commitment, and not a Final Title policy.       Reviewer Comment (2026-04-22): Accepted as is.
     04/22/2026 1 A A A A A A A A A A   CA Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000123801 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___ Loan is to be securitized. One valuation was provided, with no CU or LCA.       Reviewer Comment (2026-04-22): Accepted as is.
     04/22/2026 1 N/A N/A A A N/A N/A     N/A N/A   CA Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000123801 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___ Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date.       Reviewer Comment (2026-04-21): Accepted as is.
     04/21/2026 2 A A A A A A     B B   CA Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000123801 XXXXXX   XXXXXX     Compliance Compliance Federal Compliance Compliance Subject to Rescission Loan is subject to Rescission.         Reviewer Comment (2026-04-22): Accepted as is.
     04/22/2026 1 A A A A A A A A A A   CA Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000124055 XXXXXX   XXXXXX     Compliance Compliance Federal Compliance ECOA ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation.       Reviewer Comment (2026-04-21): Accepted as is.
     04/21/2026 2 B B B B B B B B B B   WA Primary Refinance - Cash-out - Other   D B C A B B D B   Exempt from ATR No
XXXXXX 4000124055 XXXXXX   XXXXXX     Compliance Compliance Federal Compliance Compliance Subject to Rescission Loan is subject to Rescission.         Reviewer Comment (2026-05-04): Grade 1 exception
 05/04/2026     1 A A A A A A A A A A   WA Primary Refinance - Cash-out - Other   D B C A B B D B   Exempt from ATR No
XXXXXX 4000124055 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 180   A valid UCDP score was not provided. A secondary valuation is required to support the primary value for securitization purposes.       Reviewer Comment (2026-05-04): Second AVM received


Seller Comment (2026-05-01): Comment from XXXX (XXXX): Please see attached
 05/04/2026     1 N/A A A A N/A A   A D A   WA Primary Refinance - Cash-out - Other   D B C A B B D B   Exempt from ATR No
XXXXXX 4000124055 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 372 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-04-21): Accepted as is.
     04/21/2026 2 B B A A A A     A A   WA Primary Refinance - Cash-out - Other   D B C A B B D B   Exempt from ATR No
XXXXXX 4000124055 XXXXXX   XXXXXX     Credit Title Document Error Title Title Evidence of Title Search was used on a first lien.   Title Evidence of Title Search was used on a first lien HELOC.       Reviewer Comment (2026-05-04): Grade 1 exception
 05/04/2026     1 A A A A A A C A A A   WA Primary Refinance - Cash-out - Other   D B C A B B D B   Exempt from ATR No
XXXXXX 4000124055 XXXXXX   XXXXXX     Compliance Compliance Federal Compliance ECOA ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation.         Reviewer Comment (2026-05-04): Client elects to waive
     05/04/2026 2   B   B   B   B   B   WA Primary Refinance - Cash-out - Other   D B C A B B D B   Exempt from ATR No
XXXXXX 4000119545 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-04-22): Accepted as is.
     04/22/2026 2 A A A A A A     B B   CA Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000119545 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-04-22): Accepted as is.
     04/22/2026 1 N/A N/A A A N/A N/A     N/A N/A   CA Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000119545 XXXXXX   XXXXXX     Compliance Compliance Federal Compliance Compliance Subject to Rescission Loan is subject to Rescission.         Reviewer Comment (2026-04-22): Accepted as is.
     04/22/2026 1 A A A A A A A A A A   CA Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000120126 XXXXXX   XXXXXX     Compliance Compliance Federal Compliance Compliance Subject to Rescission Loan is subject to Rescission.         Reviewer Comment (2026-04-22): Accepted as is.
     04/22/2026 1 A A A A A A A A A A   GA Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000120126 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___ Loan is to be securitized. One valuation was provided, with no CU or LCA.       Reviewer Comment (2026-04-22): Accepted as is.
     04/22/2026 1 N/A N/A A A N/A N/A     N/A N/A   GA Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000120126 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___ Loan is to be securitized. One valuation was provided with an effective date between application date and note date.       Reviewer Comment (2026-04-22): Accepted as is.
     04/22/2026 2 A A A A A A     B B   GA Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000124909 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-04-22): Accepted as is.
     04/22/2026 2 A A A A A A     B B   DE Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000124909 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-04-22): Accepted as is.
     04/22/2026 1 N/A N/A A A N/A N/A     N/A N/A   DE Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000124878 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___ XXXX AVM in file. CU or LCA not provided.       Reviewer Comment (2026-04-22): Accepted as is.
     04/22/2026 1 N/A N/A A A N/A N/A     N/A N/A   MD Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000124878 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___ XXXX AVM is dated XXXX. The Application date is $XXXX. The Note date is XXXX.       Reviewer Comment (2026-04-22): Accepted as is.
     04/22/2026 2 A A A A A A     B B   MD Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000119652 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-04-23): Accepted as is.
     04/23/2026 1 N/A N/A A A N/A N/A     N/A N/A   IL Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000119652 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-04-23): Accepted as is.
     04/23/2026 2 A A A A A A     B B   IL Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000123953 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___ Secondary valuation is not required for second lien files as per HELOC program.       Reviewer Comment (2026-04-23): Accepted as is.
     04/23/2026 2 A A A A A A     B B   IL Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000123953 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___ Loan is to be securitized. One valuation was provided, with no CU or LCA.       Reviewer Comment (2026-04-23): Accepted as is.
     04/23/2026 1 N/A N/A A A N/A N/A     N/A N/A   IL Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000124515 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-04-24): Accepted as is.
     04/24/2026 2 A A A A A A     B B   CA Primary Refinance - Cash-out - Other   D A A A A A D A   Exempt from ATR No
XXXXXX 4000124515 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. No eligible primary ("Use for LTV") valuation was provided. Sec ID: 135           Reviewer Comment (2026-04-24): XXXX AVM on file


Buyer Comment (2026-04-24): Comment from XXXX (XXXX): sent XXXX via XXXX - tracking # XXXX
 04/24/2026     1 D A D A D A   A D A   CA Primary Refinance - Cash-out - Other   D A A A A A D A   Exempt from ATR No
XXXXXX 4000124515 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-05-27): Meets three RAs or more.


Reviewer Comment (2026-05-27): .


Reviewer Comment (2026-04-24): Grade 1 exception
       1   N/A   A   N/A       N/A   CA Primary Refinance - Cash-out - Other   D A A A A A D A   Exempt from ATR No
XXXXXX 4000122767 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-04-28): Accepted as is.
     04/28/2026 1 N/A N/A A A N/A N/A     N/A N/A   SC Primary Refinance - Cash-out - Other   C A A A C A A A   Exempt from ATR No
XXXXXX 4000122767 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-04-24): Accepted as is.
     04/24/2026 2 A A A A A A     B B   SC Primary Refinance - Cash-out - Other   C A A A C A A A   Exempt from ATR No
XXXXXX 4000122767 XXXXXX   XXXXXX     Compliance Compliance Federal Compliance TILA Truth in Lending Act (HELOC): Fee amounts for testing were sourced from one or more fee documents in file containing higher amounts than that reflected on HELOC Agreement. Truth in Lending Act (HELOC): Fee amounts were sourced from multiple disclosures containing higher amounts than that reflected on HELOC Agreement.         Reviewer Comment (2026-04-24): Accepted as is.
     04/24/2026 2 A A A A A A A A A A   SC Primary Refinance - Cash-out - Other   C A A A C A A A   Exempt from ATR No
XXXXXX 4000122767 XXXXXX   XXXXXX     Compliance Compliance Federal Compliance TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act:  Subject loan transaction disbursed on XXXX, prior to three (3) business days from transaction date of XXXX.         Reviewer Comment (2026-04-28): Updated per HUD1. Cleared.


Seller Comment (2026-04-28): Comment from XXXX (XXXX): Disbursement is showing XXXX.  This should be acceptable.
 04/28/2026     1 C A C A C A C A C A   SC Primary Refinance - Cash-out - Other TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C A A A C A A A   Exempt from ATR Yes
XXXXXX 4000124547 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-04-28): Accepted as is.
     04/28/2026 1 N/A N/A A A N/A N/A     N/A N/A   AZ Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000124547 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-04-27): Accepted as is.
     04/27/2026 2 A A A A A A     B B   AZ Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000122444 XXXXXX   XXXXXX     Compliance Compliance Federal Compliance ECOA ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/XXXX)       Reviewer Comment (2026-04-29): Accepted as is.
     04/29/2026 2 B B B B B B B B B B   MA Primary Refinance - Cash-out - Other   D D A A B B D D   Exempt from ATR No
XXXXXX 4000122444 XXXXXX   XXXXXX     Compliance Compliance Federal Compliance ECOA ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status.       Reviewer Comment (2026-04-29): Accepted as is.
     04/29/2026 2 B B B B B B B B B B   MA Primary Refinance - Cash-out - Other   D D A A B B D D   Exempt from ATR No
XXXXXX 4000122444 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 180 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-04-29): Accepted as is based on meeting three RAs requirements
       3 N/A N/A A A N/A N/A     D D   MA Primary Refinance - Cash-out - Other   D D A A B B D D   Exempt from ATR No
XXXXXX 4000122444 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 372 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-04-29): Accepted as is.
     04/29/2026 2 B B A A A A     A A   MA Primary Refinance - Cash-out - Other   D D A A B B D D   Exempt from ATR No
XXXXXX 4000122444 XXXXXX   XXXXXX     Compliance Compliance Federal Compliance RESPA RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.       Reviewer Comment (2026-04-29): Accepted as is.
     04/29/2026 2 B B B B B B B B B B   MA Primary Refinance - Cash-out - Other   D D A A B B D D   Exempt from ATR No
XXXXXX 4000124470 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___ Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date.       Reviewer Comment (2026-04-28): Accepted as is.
     04/28/2026 2 A A A A A A     B B   OH Primary Refinance - Cash-out - Other   B B A A B B A A   Exempt from ATR No
XXXXXX 4000124470 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-04-28): Accepted as is.
     04/28/2026 1 N/A N/A A A N/A N/A     N/A N/A   OH Primary Refinance - Cash-out - Other   B B A A B B A A   Exempt from ATR No
XXXXXX 4000124470 XXXXXX   XXXXXX     Compliance Compliance State Compliance Misc. State Level Ohio Consumer Sales Practices Act Acknowledgement of Receipt of Home Mortgage Loan Information Document Not Signed) Ohio Consumer Sales Practices Act: Acknowledgement of Receipt of Home Mortgage Loan Information Document not signed by borrower(s). Acknowledgement of Receipt of Home Mortgage Loan Information Document not signed by borrower(s).       Reviewer Comment (2026-04-28): Accepted as is.
     04/28/2026 2 B B B B B B B B B B   OH Primary Refinance - Cash-out - Other   B B A A B B A A   Exempt from ATR No
XXXXXX 4000124470 XXXXXX   XXXXXX     Compliance Compliance State Compliance Misc. State Level Ohio Consumer Sales Practices Act (No Documentation of Tangible Net Benefit Analysis) Ohio Consumer Sales Practices Act:  Mortgage loan file does not contain documentation of the analysis of the borrower's reasonable tangible net benefit. Mortgage loan file does not contain documentation of the analysis of the borrower's reasonable tangible net benefit.       Reviewer Comment (2026-04-28): Accepted as is.
     04/28/2026 2 B B B B B B B B B B   OH Primary Refinance - Cash-out - Other   B B A A B B A A   Exempt from ATR No
XXXXXX 4000125240 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-04-29): Accepted as is.
     04/29/2026 1 N/A N/A A A N/A N/A     N/A N/A   OH Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No
XXXXXX 4000125240 XXXXXX   XXXXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 371 Note Date:  ___; Lien Position: ___         Reviewer Comment (2026-04-29): Accepted as is.
     04/29/2026 2 A A A A A A     B B   OH Primary Refinance - Cash-out - Other   A A A A A A A A   Exempt from ATR No