EXHIBIT 99.7

CONSOLIDATED ANALYTICS EXCEPTION GRADES REPORT

Loan Number

Seller Loan Number

Originator

Last Name

Note Date

Original Balance

State

TPR QM ATR Status

Loan Status

Exception Date

Remediation Status

Exception ID

Exception Type

Exception Category

Exceptions

Exception Rebuttal

Exception Rebuttal Date

Exception Rebuttal Response

Exception Rebuttal Response Date

Compensating Factors

Initial Overall Loan Grade

Final Overall Loan Grade

Initial Exception Grade

Final Exception Grade

Initial Credit Grade

Final Credit Grade

Initial Property Valuation Grade

Final Property Valuation Grade

Initial Compliance Grade

Final Compliance Grade

Initial Overall Grade (DBRS/ Morningstar)

Initial Credit Grade (DBRS/ Morningstar)

Initial Property Valuation Grade (DBRS/ Morningstar)

Initial Compliance Grade (DBRS/ Morningstar)

Initial Overall Grade (Fitch)

Initial Credit Grade (Fitch)

Initial Property Valuation Grade (Fitch)

Initial Compliance Grade (Fitch)

Initial Overall Grade (Kroll)

Initial Credit Grade (Kroll)

Initial Property Valuation Grade (Kroll)

Initial Compliance Grade (Kroll)

Initial Overall Grade (Moodys)

Initial Credit Grade (Moodys)

Initial Property Valuation Grade (Moodys)

Initial Compliance Grade (Moodys)

Initial Overall Grade (S&P)

Initial Credit Grade (S&P)

Initial Property Valuation Grade (S&P)

Initial Compliance Grade (S&P)

Final Overall Grade (DBRS/ Morningstar)

Final Credit Grade (DBRS/ Morningstar)

Final Property Grade (DBRS/ Morningstar)

Final Compliance Grade (DBRS/ Morningstar)

Final Overall Grade (Fitch)

Final Credit Grade (Fitch)

Final Property Grade (Fitch)

Final Compliance Grade (Fitch)

Final Overall Grade (Kroll)

Final Credit Grade (Kroll)

Final Property Grade (Kroll)

Final Compliance Grade (Kroll)

Final Overall Grade (Moodys)

Final Credit Grade (Moodys)

Final Property Grade (Moodys)

Final Compliance Grade (Moodys)

Final Overall Grade (S&P)

Final Credit Grade (S&P)

Final Property Grade (S&P)

Final Compliance Grade (S&P)

119

XXX

XXXXX

XX/ XX/ XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Loan Review Complete

11/21/2025

Resolved

FCRE1254

Credit

Property Title Issue

Property Title Issue Freddie Mac requires a property titled in an LLC to be transferred to the borrower’s prior to close, Lender to provide copy of recorded Quit Claim Deed filed prior to mortgage.

“Prelim: Vested owner XXX LLC and XXX co-owner | File contains an unexecuted Quitclaim Deed |

12/10/2025

Property Title Issue Resolved; Property Title Issue Resolved; Lender provided executed quit claim deed from XXX LLC to the Borrowers dated prior to consummation. Condition cleared.

02/09/2026

Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 59.29% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum — Calculated LTV of 59.29% is less than Guideline LTV of 80%

D

A

C

A

D

A

A

A

A

A

D

D

A

A

D

D

A

A

D

D

A

A

D

D

A

A

D

D

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

119

XXX

XXXXX

XX/ XX/ XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Loan Review Complete

11/21/2025

Resolved

FCRE5116

Credit

Missing VOM or VOR

Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. Mortgage on subject property with XXX was opened XX/XX/XXXX and modified XXX/XXX/XXX. Lender to provide the following: -Payment history reports only XXX months of payment history, Lender to provide a credit supplement verifying additional payment history -Lender to provide a copy of the executed Modification (see title commitment referencing modification)

Please see attached |

01/28/2026

Lender to provide a credit supplement and a copy of the executed Modification. Condition cleared. ; Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing

02/06/2026

Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 59.29% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum — Calculated LTV of 59.29% is less than Guideline LTV of 80%

D

A

D

A

D

A

A

A

A

A

D

D

A

A

D

D

A

A

D

D

A

A

D

D

A

A

D

D

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

119

XXX

XXXXX

XX/ XX/ XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Loan Review Complete

11/21/2025

Resolved

FCRE7805

Credit

Missing Income — Bank Statements

The mortgage with XXX Bank secured by XXX XXX is reported on the borrower’s credit report as a XXX debt and included in the borrower’s XXXship Returns, in order to exclude the debt the following is required by Freddie Mac: -The Mortgage file contains evidence that the debt has been paid timely by the Borrower’s business for no less than the most recent XXX months

Please see attached. It appears that we do not need evidence that the borrower’s business makes the payments.

02/05/2026

Review of XXX/XXX 1065s indicates property XXX XXX is a business obligation, as reflected on Schedule L under ‘Loans from XXXs’ — Mortgages.

02/06/2026

Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 59.29% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum — Calculated LTV of 59.29% is less than Guideline LTV of 80%

D

A

D

A

D

A

A

A

A

A

D

D

A

A

D

D

A

A

D

D

A

A

D

D

A

A

D

D

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

 

Loan Number

Seller Loan Number

Originator

Last Name

Note Date

Original Balance

State

TPR QM ATR Status

Loan Status

Exception Date

Remediation Status

Exception ID

Exception Type

Exception Category

Exceptions

Exception Rebuttal

Exception Rebuttal Date

Exception Rebuttal Response

Exception Rebuttal Response Date

Compensating Factors

Initial Overall Loan Grade

Final Overall Loan Grade

Initial Exception Grade

Final Exception Grade

Initial Credit Grade

Final Credit Grade

Initial Property Valuation Grade

Final Property Valuation Grade

Initial Compliance Grade

Final Compliance Grade

Initial Overall Grade (DBRS/ Morningstar)

Initial Credit Grade (DBRS/ Morningstar)

Initial Property Valuation Grade (DBRS/ Morningstar)

Initial Compliance Grade (DBRS/ Morningstar)

Initial Overall Grade (Fitch)

Initial Credit Grade (Fitch)

Initial Property Valuation Grade (Fitch)

Initial Compliance Grade (Fitch)

Initial Overall Grade (Kroll)

Initial Credit Grade (Kroll)

Initial Property Valuation Grade (Kroll)

Initial Compliance Grade (Kroll)

Initial Overall Grade (Moodys)

Initial Credit Grade (Moodys)

Initial Property Valuation Grade (Moodys)

Initial Compliance Grade (Moodys)

Initial Overall Grade (S&P)

Initial Credit Grade (S&P)

Initial Property Valuation Grade (S&P)

Initial Compliance Grade (S&P)

Final Overall Grade (DBRS/ Morningstar)

Final Credit Grade (DBRS/ Morningstar)

Final Property Grade (DBRS/ Morningstar)

Final Compliance Grade (DBRS/ Morningstar)

Final Overall Grade (Fitch)

Final Credit Grade (Fitch)

Final Property Grade (Fitch)

Final Compliance Grade (Fitch)

Final Overall Grade (Kroll)

Final Credit Grade (Kroll)

Final Property Grade (Kroll)

Final Compliance Grade (Kroll)

Final Overall Grade (Moodys)

Final Credit Grade (Moodys)

Final Property Grade (Moodys)

Final Compliance Grade (Moodys)

Final Overall Grade (S&P)

Final Credit Grade (S&P)

Final Property Grade (S&P)

Final Compliance Grade (S&P)

119

XXX

XXXXX

XX/ XX/ XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Loan Review Complete

11/21/2025

Resolved

FCRE7497

Credit

Missing verification of taxes, insurance, and/or HOA fees for non- subject property

Lender to provide HOA fee documents for XXX XXX.

Previously provided

12/02/2025

Lender provided HOA fees for XXX. Condition cleared.

12/03/2025

Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 59.29% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum — Calculated LTV of 59.29% is less than Guideline LTV of 80%

D

A

D

A

D

A

A

A

A

A

D

D

A

A

D

D

A

A

D

D

A

A

D

D

A

A

D

D

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

119

XXX

XXXXX

XX/ XX/ XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Loan Review Complete

11/21/2025

Resolved

FCRE3606

Credit

HMDA Data Tape Not Provided

Loan is pending HMDA data review. Additional conditions may apply.

HMDA received — no level XXX discrepancies — condition cleared; HMDA Data Tape Provided.

11/25/2025

Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 59.29% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum — Calculated LTV of 59.29% is less than Guideline LTV of 80%

D

A

C

A

D

A

A

A

A

A

D

D

A

A

D

D

A

A

D

D

A

A

D

D

A

A

D

D

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

298

XXX

XXXXX

XX/ XX/ XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Loan Review Complete

11/25/2025

Resolved

FCOM1225

Credit

XXX Rider is Missing

XXX Rider is Missing

XXX Rider

02/03/2026

Lender provided the signed XXX rider. Condition cleared.

02/04/2026

Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 70% is less than Guideline CLTV of 89.99% | Original LTV is Below the Guideline Maximum — Calculated LTV of 70% is less than Guideline LTV of 89.99% | Borrower has stable job time — Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX

D

A

D

A

D

A

A

A

B

A

D

D

A

B

D

D

A

B

D

D

A

B

D

D

A

B

D

D

A

B

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

 

Loan Number

Seller Loan Number

Originator

Last Name

Note Date

Original Balance

State

TPR QM ATR Status

Loan Status

Exception Date

Remediation Status

Exception ID

Exception Type

Exception Category

Exceptions

Exception Rebuttal

Exception Rebuttal Date

Exception Rebuttal Response

Exception Rebuttal Response Date

Compensating Factors

Initial Overall Loan Grade

Final Overall Loan Grade

Initial Exception Grade

Final Exception Grade

Initial Credit Grade

Final Credit Grade

Initial Property Valuation Grade

Final Property Valuation Grade

Initial Compliance Grade

Final Compliance Grade

Initial Overall Grade (DBRS/ Morningstar)

Initial Credit Grade (DBRS/ Morningstar)

Initial Property Valuation Grade (DBRS/ Morningstar)

Initial Compliance Grade (DBRS/ Morningstar)

Initial Overall Grade (Fitch)

Initial Credit Grade (Fitch)

Initial Property Valuation Grade (Fitch)

Initial Compliance Grade (Fitch)

Initial Overall Grade (Kroll)

Initial Credit Grade (Kroll)

Initial Property Valuation Grade (Kroll)

Initial Compliance Grade (Kroll)

Initial Overall Grade (Moodys)

Initial Credit Grade (Moodys)

Initial Property Valuation Grade (Moodys)

Initial Compliance Grade (Moodys)

Initial Overall Grade (S&P)

Initial Credit Grade (S&P)

Initial Property Valuation Grade (S&P)

Initial Compliance Grade (S&P)

Final Overall Grade (DBRS/ Morningstar)

Final Credit Grade (DBRS/ Morningstar)

Final Property Grade (DBRS/ Morningstar)

Final Compliance Grade (DBRS/ Morningstar)

Final Overall Grade (Fitch)

Final Credit Grade (Fitch)

Final Property Grade (Fitch)

Final Compliance Grade (Fitch)

Final Overall Grade (Kroll)

Final Credit Grade (Kroll)

Final Property Grade (Kroll)

Final Compliance Grade (Kroll)

Final Overall Grade (Moodys)

Final Credit Grade (Moodys)

Final Property Grade (Moodys)

Final Compliance Grade (Moodys)

Final Overall Grade (S&P)

Final Credit Grade (S&P)

Final Property Grade (S&P)

Final Compliance Grade (S&P)

298

XXX

XXXXX

XX/ XX/ XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Loan Review Complete

11/20/2025

Resolved

FCOM5135

Compliance

Missing Required Affiliated Business Disclosure

Required Affiliated Business Disclosure Missing

Affiliated Business

02/03/2026

Lender provided an attestation on company letterhead of no Affiliates. Condition cleared. ; Required Affiliated Business Disclosure Documentation Provided; Material Finding

02/04/2026

Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 70% is less than Guideline CLTV of 89.99% | Original LTV is Below the Guideline Maximum — Calculated LTV of 70% is less than Guideline LTV of 89.99% | Borrower has stable job time — Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX

D

A

B

A

D

A

A

A

B

A

D

D

A

B

D

D

A

B

D

D

A

B

D

D

A

B

D

D

A

B

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

298

XXX

XXXXX

XX/ XX/ XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Loan Review Complete

11/25/2025

Resolved

FCRE3604

Credit

HMDA Discrepancy(s) Noted

The following HMDA Discrepancy(s) have been noted:

Subject property is 2nd Home. Please review uploaded ; NonDEL | ULI — XXX | | AUS/XXX — XXX | Conflicting documents — Secondary / primary | No XXX Rider” |

01/16/2026

Lender agrees with audit findings. Loan is a 2nd home. Condition cleared. ; Lender agrees with audit findings. Loan is a 2nd home. Condition cleared. ; Lender agrees with audit findings. Loan is a 2nd home. Condition cleared. ; Lender agrees with audit findings. Loan is a 2nd home. Condition cleared. ; Material; Lender provided valid ULI; however, did not provide documentation to verify subject property is a 2nd home. The 1003 reflects subject as a XXX and AUS shows as a 2nd home. Condition retained.; Material Finding; HMDA discrepancy noted: Audit ULI is missing. Also, audit XXX is XXX and lenders is XXX. Lender may clear finding by providing documentation to support their value.; Lender agrees with audit findings. Loan is a 2nd home. Condition cleared. ; Lender agrees with audit findings. Loan is a 2nd home. Condition cleared. ; Material; Lender provided valid ULI; however, did not provide documentation to verify subject property is a 2nd home. The 1003 reflects subject as a XXX and AUS shows as a 2nd home. Condition retained.; Material Finding; HMDA discrepancy noted: Audit ULI is missing. Also, audit XXX is XXX and lenders is XXX. Lender may clear finding by providing documentation to support their value.; Material Finding

01/20/2026

Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 70% is less than Guideline CLTV of 89.99% | Original LTV is Below the Guideline Maximum — Calculated LTV of 70% is less than Guideline LTV of 89.99% | Borrower has stable job time — Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX

D

A

B

A

D

A

A

A

B

A

D

D

A

B

D

D

A

B

D

D

A

B

D

D

A

B

D

D

A

B

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

298

XXX

XXXXX

XX/ XX/ XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Loan Review Complete

11/21/2025

Resolved

FCRE3606

Credit

HMDA Data Tape Not Provided

Loan is pending HMDA data review. Additional conditions may apply.

HMDA received — additional discrepancy finding added.; HMDA Data Tape Provided.

01/20/2026

Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 70% is less than Guideline CLTV of 89.99% | Original LTV is Below the Guideline Maximum — Calculated LTV of 70% is less than Guideline LTV of 89.99% | Borrower has stable job time — Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX

D

A

C

A

D

A

A

A

B

A

D

D

A

B

D

D

A

B

D

D

A

B

D

D

A

B

D

D

A

B

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

 

Loan Number

Seller Loan Number

Originator

Last Name

Note Date

Original Balance

State

TPR QM ATR Status

Loan Status

Exception Date

Remediation Status

Exception ID

Exception Type

Exception Category

Exceptions

Exception Rebuttal

Exception Rebuttal Date

Exception Rebuttal Response

Exception Rebuttal Response Date

Compensating Factors

Initial Overall Loan Grade

Final Overall Loan Grade

Initial Exception Grade

Final Exception Grade

Initial Credit Grade

Final Credit Grade

Initial Property Valuation Grade

Final Property Valuation Grade

Initial Compliance Grade

Final Compliance Grade

Initial Overall Grade (DBRS/ Morningstar)

Initial Credit Grade (DBRS/ Morningstar)

Initial Property Valuation Grade (DBRS/ Morningstar)

Initial Compliance Grade (DBRS/ Morningstar)

Initial Overall Grade (Fitch)

Initial Credit Grade (Fitch)

Initial Property Valuation Grade (Fitch)

Initial Compliance Grade (Fitch)

Initial Overall Grade (Kroll)

Initial Credit Grade (Kroll)

Initial Property Valuation Grade (Kroll)

Initial Compliance Grade (Kroll)

Initial Overall Grade (Moodys)

Initial Credit Grade (Moodys)

Initial Property Valuation Grade (Moodys)

Initial Compliance Grade (Moodys)

Initial Overall Grade (S&P)

Initial Credit Grade (S&P)

Initial Property Valuation Grade (S&P)

Initial Compliance Grade (S&P)

Final Overall Grade (DBRS/ Morningstar)

Final Credit Grade (DBRS/ Morningstar)

Final Property Grade (DBRS/ Morningstar)

Final Compliance Grade (DBRS/ Morningstar)

Final Overall Grade (Fitch)

Final Credit Grade (Fitch)

Final Property Grade (Fitch)

Final Compliance Grade (Fitch)

Final Overall Grade (Kroll)

Final Credit Grade (Kroll)

Final Property Grade (Kroll)

Final Compliance Grade (Kroll)

Final Overall Grade (Moodys)

Final Credit Grade (Moodys)

Final Property Grade (Moodys)

Final Compliance Grade (Moodys)

Final Overall Grade (S&P)

Final Credit Grade (S&P)

Final Property Grade (S&P)

Final Compliance Grade (S&P)

122

XXX

XXXXX

XX/ XX/ XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Loan Review Complete

01/07/2026

Resolved

FCRE3606

Credit

HMDA Data Tape Not Provided

Loan is pending HMDA data review. Additional conditions may apply.

HMDA Data Tape Provided.; Loan is pending HMDA data review. Additional conditions may apply.; HMDA tape provided, no discrepancies noted condition cleared.

02/11/2026

Borrower has stable job time — Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum — Calculated LTV of 75% is less than Guideline LTV of 89.99% | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 75% is less than Guideline CLTV of 89.99%

D

A

C

A

D

A

A

A

A

A

D

D

A

A

D

D

A

A

D

D

A

A

D

D

A

A

D

D

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

122

XXX

XXXXX

XX/ XX/ XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Loan Review Complete

01/07/2026

Resolved

FCRE1316

Credit

Borrower 1 3rd Party VOE Prior to Close Missing

Borrower 1 3rd Party VOE Prior to Close Missing Missing third party proof of business: XXX

VOE

01/16/2026

Borrower 1 3rd Party VOE Prior to Close Was Provided; Lender provided the third party verification for XXX. Condition cleared. ; Lender provided the third party verification for XXX. Condition cleared.

02/11/2026

Borrower has stable job time — Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum — Calculated LTV of 75% is less than Guideline LTV of 89.99% | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 75% is less than Guideline CLTV of 89.99%

D

A

D

A

D

A

A

A

A

A

D

D

A

A

D

D

A

A

D

D

A

A

D

D

A

A

D

D

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

122

XXX

XXXXX

XX/ XX/ XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Loan Review Complete

01/07/2026

Resolved

FCRE1185

Credit

AUS Partially Provided

AUS Partially Provided Rerun AUS to show borrower self XXX and to show income document requirements. DU approval doesn’t have anything in the employment/income section for required documents. Complete review of updated DU approval will be required. Additional conditions may apply.

DU #XXX reflects XXX

01/16/2026

Lender provided the AUS showing self XXX income documentation requirements. Condition cleared. ; AUS is not incomplete

02/11/2026

Borrower has stable job time — Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum — Calculated LTV of 75% is less than Guideline LTV of 89.99% | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 75% is less than Guideline CLTV of 89.99%

D

A

D

A

D

A

A

A

A

A

D

D

A

A

D

D

A

A

D

D

A

A

D

D

A

A

D

D

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

 

Loan Number

Seller Loan Number

Originator

Last Name

Note Date

Original Balance

State

TPR QM ATR Status

Loan Status

Exception Date

Remediation Status

Exception ID

Exception Type

Exception Category

Exceptions

Exception Rebuttal

Exception Rebuttal Date

Exception Rebuttal Response

Exception Rebuttal Response Date

Compensating Factors

Initial Overall Loan Grade

Final Overall Loan Grade

Initial Exception Grade

Final Exception Grade

Initial Credit Grade

Final Credit Grade

Initial Property Valuation Grade

Final Property Valuation Grade

Initial Compliance Grade

Final Compliance Grade

Initial Overall Grade (DBRS/ Morningstar)

Initial Credit Grade (DBRS/ Morningstar)

Initial Property Valuation Grade (DBRS/ Morningstar)

Initial Compliance Grade (DBRS/ Morningstar)

Initial Overall Grade (Fitch)

Initial Credit Grade (Fitch)

Initial Property Valuation Grade (Fitch)

Initial Compliance Grade (Fitch)

Initial Overall Grade (Kroll)

Initial Credit Grade (Kroll)

Initial Property Valuation Grade (Kroll)

Initial Compliance Grade (Kroll)

Initial Overall Grade (Moodys)

Initial Credit Grade (Moodys)

Initial Property Valuation Grade (Moodys)

Initial Compliance Grade (Moodys)

Initial Overall Grade (S&P)

Initial Credit Grade (S&P)

Initial Property Valuation Grade (S&P)

Initial Compliance Grade (S&P)

Final Overall Grade (DBRS/ Morningstar)

Final Credit Grade (DBRS/ Morningstar)

Final Property Grade (DBRS/ Morningstar)

Final Compliance Grade (DBRS/ Morningstar)

Final Overall Grade (Fitch)

Final Credit Grade (Fitch)

Final Property Grade (Fitch)

Final Compliance Grade (Fitch)

Final Overall Grade (Kroll)

Final Credit Grade (Kroll)

Final Property Grade (Kroll)

Final Compliance Grade (Kroll)

Final Overall Grade (Moodys)

Final Credit Grade (Moodys)

Final Property Grade (Moodys)

Final Compliance Grade (Moodys)

Final Overall Grade (S&P)

Final Credit Grade (S&P)

Final Property Grade (S&P)

Final Compliance Grade (S&P)

122

XXX

XXXXX

XX/ XX/ XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Loan Review Complete

01/07/2026

Resolved

FCRE1437

Credit

Income and Employment Do Not Meet Guidelines

Income and Employment Do Not Meet Guidelines Lender to provide CPA letter and/or supporting documentation that the mortgages, notes, bonds that are appearing on Schedule L of XXX business returns are renewable in order to not deduct this amount from the income calculations. Additional conditions may apply.

If we add the MNB back the income will be negative for XXX, which is the majority of the income. The borrower does not qualify on the XXX income alone. The fannie guidelines State it can be excluded if there’s evidence it rolls over, which the two years of Sch L show: | | https://selling-guide anniemae om/sel/b3-XXX-XXX/analyzing-returns-s-corporation | | Adjustments to Business Cash Flow | Items that can be added back to the business cash flow include depreciation, depletion, amortization, casualty losses, and other losses that are not consistent and recurring. | | The following items should be subtracted from the business cash flow: | | travel and meals exclusion, | other reported income that is not consistent and recurring, and | the total amount of obligations on mortgages, notes, or bonds that are payable in less than one year. | | These adjustments are not required for lines of credit or if there is evidence that these obligations roll over regularly and/or the business has sufficient liquid assets to cover them.; XXX ended XXX with XXX notes due and payable so nothing needed there. | | XXX: XXX and XXX both show beginning and ending year balances in notes due and payable. It is reasonable to believe that these are recurring expenses since they have continued through two tax years.

01/21/2026

Upon further review, the past two years there has been a beginning and end balance, therefore, it is reasonable that the note is going to continue to roll over, which meets FNMA’s requirements. Condition cleared. ; Income and Employment Meet Guidelines; Audit reviewed the lender’s response. Need CPA letter re: mortgages XXX yr on tax returns in order to omit for XXX. Condition retained.

02/11/2026

Borrower has stable job time — Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum — Calculated LTV of 75% is less than Guideline LTV of 89.99% | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 75% is less than Guideline CLTV of 89.99%

D

A

C

A

D

A

A

A

A

A

D

D

A

A

D

D

A

A

D

D

A

A

D

D

A

A

D

D

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

122

XXX

XXXXX

XX/ XX/ XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Loan Review Complete

01/07/2026

Resolved

FCRE7497

Credit

Missing verification of taxes, insurance, and/or HOA fees for non- subject property

Missing HOA or letter from the borrower stating no HOA for the property at XXX XXX.

XXX indicates HOA dues are XXX per quarter ($XXX per month). Given the DTI is only XXX% could you please review the uploaded property profile? Thank you

02/10/2026

; Document Uploaded. ; Provide a signed and dated Statement confirming that XXX XXX has no HOA dues.

02/11/2026

Borrower has stable job time — Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum — Calculated LTV of 75% is less than Guideline LTV of 89.99% | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 75% is less than Guideline CLTV of 89.99%

D

A

D

A

D

A

A

A

A

A

D

D

A

A

D

D

A

A

D

D

A

A

D

D

A

A

D

D

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

123

XXX

XXXXX

XX/ XX/ XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Loan Review Complete

01/07/2026

Resolved

FCRE3606

Credit

HMDA Data Tape Not Provided

Loan is pending HMDA data review. Additional conditions may apply.

HMDA Data Tape Provided.; Loan is pending HMDA data review. Additional conditions may apply.; HMDA tape provided, no discrepancies noted condition cleared.

02/11/2026

Borrower has stable job time — Borrower has XXX years on job.

D

A

C

A

D

A

A

A

A

A

D

D

A

A

D

D

A

A

D

D

A

A

D

D

A

A

D

D

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

 

Loan Number

Seller Loan Number

Originator

Last Name

Note Date

Original Balance

State

TPR QM ATR Status

Loan Status

Exception Date

Remediation Status

Exception ID

Exception Type

Exception Category

Exceptions

Exception Rebuttal

Exception Rebuttal Date

Exception Rebuttal Response

Exception Rebuttal Response Date

Compensating Factors

Initial Overall Loan Grade

Final Overall Loan Grade

Initial Exception Grade

Final Exception Grade

Initial Credit Grade

Final Credit Grade

Initial Property Valuation Grade

Final Property Valuation Grade

Initial Compliance Grade

Final Compliance Grade

Initial Overall Grade (DBRS/ Morningstar)

Initial Credit Grade (DBRS/ Morningstar)

Initial Property Valuation Grade (DBRS/ Morningstar)

Initial Compliance Grade (DBRS/ Morningstar)

Initial Overall Grade (Fitch)

Initial Credit Grade (Fitch)

Initial Property Valuation Grade (Fitch)

Initial Compliance Grade (Fitch)

Initial Overall Grade (Kroll)

Initial Credit Grade (Kroll)

Initial Property Valuation Grade (Kroll)

Initial Compliance Grade (Kroll)

Initial Overall Grade (Moodys)

Initial Credit Grade (Moodys)

Initial Property Valuation Grade (Moodys)

Initial Compliance Grade (Moodys)

Initial Overall Grade (S&P)

Initial Credit Grade (S&P)

Initial Property Valuation Grade (S&P)

Initial Compliance Grade (S&P)

Final Overall Grade (DBRS/ Morningstar)

Final Credit Grade (DBRS/ Morningstar)

Final Property Grade (DBRS/ Morningstar)

Final Compliance Grade (DBRS/ Morningstar)

Final Overall Grade (Fitch)

Final Credit Grade (Fitch)

Final Property Grade (Fitch)

Final Compliance Grade (Fitch)

Final Overall Grade (Kroll)

Final Credit Grade (Kroll)

Final Property Grade (Kroll)

Final Compliance Grade (Kroll)

Final Overall Grade (Moodys)

Final Credit Grade (Moodys)

Final Property Grade (Moodys)

Final Compliance Grade (Moodys)

Final Overall Grade (S&P)

Final Credit Grade (S&P)

Final Property Grade (S&P)

Final Compliance Grade (S&P)

123

XXX

XXXXX

XX/ XX/ XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Loan Review Complete

01/07/2026

Resolved

FCRE7497

Credit

Missing verification of taxes, insurance, and/or HOA fees for non- subject property

Missing proof of HOA or letter from borrower stating no HOA for the property at XXX XXX.

Please review the uploaded property profile. Thank you ; I XXXd the property and it appears to be an older, established home in an area where HOA dues are unlikely.

02/10/2026

Document Uploaded. ; ; Provide a signed and dated Statement confirming that XXX XXX has no HOA dues.; Audit reviewed the lender’s response. XXX/XXX screenshot is not acceptable for HOA documentation. Please provide documentation from HOA, Statements, or Appraisal. Additional conditions may apply.

02/11/2026

Borrower has stable job time — Borrower has XXX years on job.

D

A

D

A

D

A

A

A

A

A

D

D

A

A

D

D

A

A

D

D

A

A

D

D

A

A

D

D

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

299

XXX

XXXXX

XX/ XX/ XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Loan Review Complete

01/15/2026

Resolved

FCOM5135

Compliance

Missing Required Affiliated Business Disclosure

Required Affiliated Business Disclosure Missing The ABA is not evident. Please provide proof of delivery and receipt within XXX business days of XXX.

Affiliated Business Disclosure

01/27/2026

Required Affiliated Business Disclosure Documentation Provided; Material

02/06/2026

Borrower has stable job time — Borrower has XXX years on job. | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX

C

A

B

A

C

A

A

A

B

A

C

C

A

B

C

C

A

B

C

C

A

B

C

C

A

B

C

C

A

B

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

299

XXX

XXXXX

XX/ XX/ XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Loan Review Complete

01/20/2026

Resolved

FCRE3606

Credit

HMDA Data Tape Not Provided

Loan is pending HMDA data review. Additional conditions may apply.

HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided.

02/06/2026

Borrower has stable job time — Borrower has XXX years on job. | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX

C

A

C

A

C

A

A

A

B

A

C

C

A

B

C

C

A

B

C

C

A

B

C

C

A

B

C

C

A

B

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

 

Loan Number

Seller Loan Number

Originator

Last Name

Note Date

Original Balance

State

TPR QM ATR Status

Loan Status

Exception Date

Remediation Status

Exception ID

Exception Type

Exception Category

Exceptions

Exception Rebuttal

Exception Rebuttal Date

Exception Rebuttal Response

Exception Rebuttal Response Date

Compensating Factors

Initial Overall Loan Grade

Final Overall Loan Grade

Initial Exception Grade

Final Exception Grade

Initial Credit Grade

Final Credit Grade

Initial Property Valuation Grade

Final Property Valuation Grade

Initial Compliance Grade

Final Compliance Grade

Initial Overall Grade (DBRS/ Morningstar)

Initial Credit Grade (DBRS/ Morningstar)

Initial Property Valuation Grade (DBRS/ Morningstar)

Initial Compliance Grade (DBRS/ Morningstar)

Initial Overall Grade (Fitch)

Initial Credit Grade (Fitch)

Initial Property Valuation Grade (Fitch)

Initial Compliance Grade (Fitch)

Initial Overall Grade (Kroll)

Initial Credit Grade (Kroll)

Initial Property Valuation Grade (Kroll)

Initial Compliance Grade (Kroll)

Initial Overall Grade (Moodys)

Initial Credit Grade (Moodys)

Initial Property Valuation Grade (Moodys)

Initial Compliance Grade (Moodys)

Initial Overall Grade (S&P)

Initial Credit Grade (S&P)

Initial Property Valuation Grade (S&P)

Initial Compliance Grade (S&P)

Final Overall Grade (DBRS/ Morningstar)

Final Credit Grade (DBRS/ Morningstar)

Final Property Grade (DBRS/ Morningstar)

Final Compliance Grade (DBRS/ Morningstar)

Final Overall Grade (Fitch)

Final Credit Grade (Fitch)

Final Property Grade (Fitch)

Final Compliance Grade (Fitch)

Final Overall Grade (Kroll)

Final Credit Grade (Kroll)

Final Property Grade (Kroll)

Final Compliance Grade (Kroll)

Final Overall Grade (Moodys)

Final Credit Grade (Moodys)

Final Property Grade (Moodys)

Final Compliance Grade (Moodys)

Final Overall Grade (S&P)

Final Credit Grade (S&P)

Final Property Grade (S&P)

Final Compliance Grade (S&P)

299

XXX

XXXXX

XX/ XX/ XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Loan Review Complete

01/20/2026

Resolved

FCOM3849

Compliance

Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1))

The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). An acknowledgement of receipt dated at consummation was provided without a XXX-day waiver present.

The tracking provided evidences the date the appraisal was provided to the borrower. That is all that is required. The appraisal was sent electronically to the borrower on XX/XX/XXXX and the tracking evidences the appraisal & ROV being sent. The appraisal delivery confirmation needed is a request however the lender is not required to obtain anything further. Borrower also Wet Signed at closing that they confirm their receipt of the appraisal at least XXX business days prior to close.; Evidence of Appraisal Delivery

02/05/2026

Evidence of appraisal delivery provided.; Evidence of appraisal delivery provided -> Review of screen shot supports delivery of appraisal on XX/XX/XXXX to B1.; Received copy of screen shot which indicates the Appraisal Delivery Confirmation is ‘Needed’. Provide documentation to support borrower(s) received a copy of the appraisal report, as required to meet regulatory compliance standards.; The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)).; Material

02/06/2026

Borrower has stable job time — Borrower has XXX years on job. | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX

C

A

B

A

C

A

A

A

B

A

C

C

A

B

C

C

A

B

C

C

A

B

C

C

A

B

C

C

A

B

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

303

XXX

XXXXX

XX/ XX/ XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Loan Review Complete

02/11/2026

Acknowledged

FCOM3849

Compliance

Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1))

The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). The document in file indicates that the borrower either received or chose to waive the right to receive the appraisal at least XXX days prior to consummation but does not confirm the borrower received the appraisal at or prior to consummation since they chose to waive the XXX days right to receive the appraisal. Since the document doesn’t indicate which option the borrower is signing to acknowledge, provide documentation to show the date the borrower received the appraisal to confirm it was received by the borrower timely

Acknowledged, accepting 2/B grading.

04/08/2026

Original LTV is Below the Guideline Maximum — Calculated LTV of 68.82% is less than Guideline LTV of 89% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 68.82% is less than Guideline CLTV of 89% | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX

C

B

B

B

C

A

A

A

B

B

C

C

A

B

C

C

A

B

C

C

A

B

C

C

A

B

C

C

A

B

B

A

A

B

B

A

A

B

B

A

A

B

B

A

A

B

B

A

A

B

303

XXX

XXXXX

XX/ XX/ XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Loan Review Complete

02/10/2026

Resolved

FCRE1437

Credit

Income and Employment Do Not Meet Guidelines

Income and Employment Do Not Meet Guidelines Borrower 1 most recent paystub has a pay date of XX/XX/XXXX and although the pay period ended on XX/XX/XXXX the YTD earnings if for XXX Loan file contain XXX W2s. An additional paystub should have been obtained for Borrower 1 evidencing XXX year end total earnings. AUS required a paystub and W2 from prior year. XXX earnings is not documented in the loan file.

Per DU the Leave and Earning Statement should suffice as it is a standard Verification of Employment; Document Uploaded. Provided in original upload

03/11/2026

Income and Employment Meet Guidelines; Client States: Per DU the Leave and Earning Statement should suffice as it is a standard Verification of Employment. DU is requiring Paystub and W-2 which has been provided. LM Updated.

03/12/2026

Original LTV is Below the Guideline Maximum — Calculated LTV of 68.82% is less than Guideline LTV of 89% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 68.82% is less than Guideline CLTV of 89% | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX

C

B

C

A

C

A

A

A

B

B

C

C

A

B

C

C

A

B

C

C

A

B

C

C

A

B

C

C

A

B

B

A

A

B

B

A

A

B

B

A

A

B

B

A

A

B

B

A

A

B

 

Loan Number

Seller Loan Number

Originator

Last Name

Note Date

Original Balance

State

TPR QM ATR Status

Loan Status

Exception Date

Remediation Status

Exception ID

Exception Type

Exception Category

Exceptions

Exception Rebuttal

Exception Rebuttal Date

Exception Rebuttal Response

Exception Rebuttal Response Date

Compensating Factors

Initial Overall Loan Grade

Final Overall Loan Grade

Initial Exception Grade

Final Exception Grade

Initial Credit Grade

Final Credit Grade

Initial Property Valuation Grade

Final Property Valuation Grade

Initial Compliance Grade

Final Compliance Grade

Initial Overall Grade (DBRS/ Morningstar)

Initial Credit Grade (DBRS/ Morningstar)

Initial Property Valuation Grade (DBRS/ Morningstar)

Initial Compliance Grade (DBRS/ Morningstar)

Initial Overall Grade (Fitch)

Initial Credit Grade (Fitch)

Initial Property Valuation Grade (Fitch)

Initial Compliance Grade (Fitch)

Initial Overall Grade (Kroll)

Initial Credit Grade (Kroll)

Initial Property Valuation Grade (Kroll)

Initial Compliance Grade (Kroll)

Initial Overall Grade (Moodys)

Initial Credit Grade (Moodys)

Initial Property Valuation Grade (Moodys)

Initial Compliance Grade (Moodys)

Initial Overall Grade (S&P)

Initial Credit Grade (S&P)

Initial Property Valuation Grade (S&P)

Initial Compliance Grade (S&P)

Final Overall Grade (DBRS/ Morningstar)

Final Credit Grade (DBRS/ Morningstar)

Final Property Grade (DBRS/ Morningstar)

Final Compliance Grade (DBRS/ Morningstar)

Final Overall Grade (Fitch)

Final Credit Grade (Fitch)

Final Property Grade (Fitch)

Final Compliance Grade (Fitch)

Final Overall Grade (Kroll)

Final Credit Grade (Kroll)

Final Property Grade (Kroll)

Final Compliance Grade (Kroll)

Final Overall Grade (Moodys)

Final Credit Grade (Moodys)

Final Property Grade (Moodys)

Final Compliance Grade (Moodys)

Final Overall Grade (S&P)

Final Credit Grade (S&P)

Final Property Grade (S&P)

Final Compliance Grade (S&P)

303

XXX

XXXXX

XX/ XX/ XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Loan Review Complete

02/10/2026

Resolved

FPRO8998

Property

No Property Findings

Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan.

Informational

02/11/2026

Original LTV is Below the Guideline Maximum — Calculated LTV of 68.82% is less than Guideline LTV of 89% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 68.82% is less than Guideline CLTV of 89% | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX

C

B

A

A

C

A

A

A

B

B

C

C

A

B

C

C

A

B

C

C

A

B

C

C

A

B

C

C

A

B

B

A

A

B

B

A

A

B

B

A

A

B

B

A

A

B

B

A

A

B

126

XXX

XXXXX

XX/ XX/ XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Loan Review Complete

02/16/2026

Resolved

finding- 3634

Compliance

Charges That Cannot Increase Test

TILA 130b Cure required: Cure of XXX required for addition of appraisal re-inspection fee. COC did not provide clear detail as to why fee was required. Cure requires PCCD, LOE, copy of refund check, and proof of mailing, or valid COC. This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i).

Document Uploaded.

02/26/2026

Valid COC provided; exception resolved; Valid COC provided; exception resolved

03/01/2026

Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 70% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum — Calculated LTV of 70% is less than Guideline LTV of 80% | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time — Borrower has XXX years on job.

C

A

C

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

126

XXX

XXXXX

XX/ XX/ XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Loan Review Complete

02/13/2026

Resolved

FCRE8999

Credit

No Credit Findings

The loan meets all applicable credit guidelines.

Informational

02/16/2026

Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 70% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum — Calculated LTV of 70% is less than Guideline LTV of 80% | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time — Borrower has XXX years on job.

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A