Exhibit 99.3 - Schedule 1

Loan ID

Seller Loan ID

Redaction ID

Overall Initial Loan Grade

Overall Final Loan Grade

Credit Initial Loan Grade

Credit Current/Final Loan Grade

Compliance Initial Loan Grade

Compliance Current/Final Loan Grade

Property Initial Loan Grade

Property Current/Final Loan Grade

Queue

Finding Code

Date Created

Date Modified

Finding Status

Event Level

Initial Finding Grade

Current/Final Finding Grade

Finding Category

Finding Sub Category

Finding Name

Finding Comments

Seller Comments

Resolution Comments

Reviewer Comp Factor

Originator Comp Factors

Finding Documents

Originator QM Status

Final Reviewed QM Status

Loan Amount

Property State

Occupancy

Loan Purpose

Refinance Purpose

Acknowledged / WaivedBy

Waiver in File?

Unique Finding ID

XXXX

9243498

ATR/QM: Exempt

XXXX

Investment

Refinance

Cash Out - Other

XXXX

9212935

Closed

FCRE5790

2025-08-14 14:08

2025-08-27 12:46

Resolved

1 - Information

Credit

Closing

Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date)

Resolved-Received Gap Report. - Due Diligence Vendor-08/27/2025
Ready for Review-Document Uploaded. Debit monitoring XXXX - Seller-08/25/2025
Counter-Received UDM dated XXXX-please provide updated report within 10 days of closing or after. - Due Diligence Vendor-08/20/2025
Ready for Review-Document Uploaded. Debit Monitoring report - Seller-08/19/2025
Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). - Due Diligence Vendor-08/14/2025

Ready for Review-Document Uploaded. Debit monitoring XXXX - Seller-08/25/2025
Ready for Review-Document Uploaded. Debit Monitoring report - Seller-08/19/2025

Resolved-Received Gap Report. - Due Diligence Vendor-08/27/2025

Months Reserves exceed minimum required - Months reserves required is 3; qualifying reserves is 89.89 months.

Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 660; qualifying FICO is 749.

XXXX

QM: Safe Harbor APOR (APOR SH)

XXXX

Primary Residence

Refinance

Cash Out - Other

N/A

5181277

XXXX

9212935

Closed

finding-3634

2025-08-12 16:16

2025-08-27 08:54

Resolved

1 - Information

Compliance

TRID

Charges That Cannot Increase Test

Resolved-Received COC for Rate Lock Extension. Finding resolved. - Due Diligence Vendor-08/27/2025
Ready for Review-Document Uploaded. rate lock ext - Buyer-08/25/2025
Counter-Received copy of XXXX , provide COC or document from lender for increase of $424.20. - Due Diligence Vendor-08/20/2025
Ready for Review-Document Uploaded. Compliance report - Seller-08/19/2025
Open-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).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $424.20.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). Zero (0%) tolerance fees increased by $424.20 (NC Rate Lock Extension) without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $424.20, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations 1 year- Expiration date is XXXX .
- Due Diligence Vendor-08/12/2025

Ready for Review-Document Uploaded. Compliance report - Seller-08/19/2025

Resolved-Received COC for Rate Lock Extension. Finding resolved. - Due Diligence Vendor-08/27/2025

XXXX

QM: Safe Harbor APOR (APOR SH)

XXXX

Primary Residence

Refinance

Cash Out - Other

N/A

5152260

XXXX

9212935

Closed

FCRE1201

2025-08-14 14:14

2025-08-20 11:50

Resolved

1 - Information

Credit

Missing Doc

Third Party Fraud Report not Provided

Resolved-Received fraud report. - Due Diligence Vendor-08/20/2025

Ready for Review-Document Uploaded. Drive report - Seller-08/19/2025

Open-Missing Third Party Fraud Report Fraud Report is missing. - Due Diligence Vendor-08/14/2025

Ready for Review-Document Uploaded. Drive report - Seller-08/19/2025

Resolved-Received fraud report. - Due Diligence Vendor-08/20/2025

XXXX

QM: Safe Harbor APOR (APOR SH)

XXXX

Primary Residence

Refinance

Cash Out - Other

N/A

5181399

XXXX

9212935

Closed

FCRE0112

2025-08-14 14:17

2025-08-20 11:49

Resolved

1 - Information

Credit

Eligibility

Approval/Underwriting Summary Not Provided_3

Resolved-Received 1008 - Due Diligence Vendor-08/20/2025

Ready for Review-Document Uploaded. Final 1008 - Buyer-08/19/2025

Open-Approval/Underwriting Summary Not Provided. 1008 not provided. - Due Diligence Vendor-08/14/2025

Resolved-Received 1008 - Due Diligence Vendor-08/20/2025

XXXX

QM: Safe Harbor APOR (APOR SH)

XXXX

Primary Residence

Refinance

Cash Out - Other

N/A

5181486

XXXX

9212935

Closed

FCOM5135

2025-08-13 09:43

Waived

2 - Non-Material

Compliance

Missing Doc

Missing Required Affiliated Business Disclosure

Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings. - Due Diligence Vendor-08/13/2025

QM: Safe Harbor APOR (APOR SH)

XXXX

Primary Residence

Refinance

Cash Out - Other

Investor Post-Close

5159586

XXXX

9956977

Closed

FCRE1342

2025-11-19 23:33

2025-11-21 09:36

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 Business Bank Statements Missing

Resolved-After further review, the fico is above 700 and the LTV is below 70%, bank statements not required. - Due Diligence Vendor-11/21/2025

Open-Borrower 1 Business Bank Statements Missing Borrower 1 Business Bank Statements Missing Per guides, the Profit & Loss Only program requires 12- or 24-month P&L (end date <60 days before close) and most recent 2 months bank statements. The bank statements must validate revenue and P&L gross should align to deposits within +/- 10%. If FICO greater than or equal to 700 and LTV ≤70%, then use the P&L net monthly average. Lender to provide most recent 2 months bank statements. Additional conditions may apply pending review. - Due Diligence Vendor-11/20/2025

Resolved-After further review, the fico is above 700 and the LTV is below 70%, bank statements not required. - Due Diligence Vendor-11/21/2025

Qualifying FICO score is at least 20 points above minimum for program - Minimum required is 720, Borrower has 763

Qualifying DTI below maximum allowed - Max DTI is 50%, Borrower has 10.87%

Non-QM: Lender documented all ATR UW factors

XXXX

Primary Residence

Refinance

Cash Out - Other

N/A

6314900

XXXX

9956977

Closed

FCRE0105

2025-10-22 10:01

2025-11-20 14:39

Resolved

1 - Information

Credit

Eligibility

Condo Structural Reports not in file

Resolved-Upon further review, the loan file contained all required documentation. - Due Diligence Vendor-11/04/2025

Ready for Review-Document Uploaded. Because this is a detached condo, structural engineer inspection is not required. - Seller-10/31/2025

Open-The file does not contain the required structural engineer report per state law. Provide structural engineer report as required. Balconies have wood structure overhang. - Due Diligence Vendor-10/22/2025

Ready for Review-Document Uploaded. Because this is a detached condo, structural engineer inspection is not required. - Seller-10/31/2025

Resolved-Upon further review, the loan file contained all required documentation. - Due Diligence Vendor-11/04/2025

Qualifying FICO score is at least 20 points above minimum for program - Minimum required is 720, Borrower has 763

Qualifying DTI below maximum allowed - Max DTI is 50%, Borrower has 10.87%

XXXX

Non-QM: Lender documented all ATR UW factors

XXXX

Primary Residence

Refinance

Cash Out - Other

N/A

5970383

XXXX

9956977

Closed

FCOM1232

2025-10-21 10:17

2025-11-20 12:23

Resolved

1 - Information

Compliance

Missing Doc

The Final 1003 is Missing

Resolved-The Final 1003 is Present - Due Diligence Vendor-11/04/2025

Ready for Review-Document Uploaded. Please see attached - Seller-10/31/2025

Open-The Final 1003 is Missing ----- please provide final 1003 - Due Diligence Vendor-10/21/2025

Ready for Review-Document Uploaded. Please see attached - Seller-10/31/2025

Resolved-The Final 1003 is Present - Due Diligence Vendor-11/04/2025

Qualifying FICO score is at least 20 points above minimum for program - Minimum required is 720, Borrower has 763

Qualifying DTI below maximum allowed - Max DTI is 50%, Borrower has 10.87%

XXXX

Non-QM: Lender documented all ATR UW factors

XXXX

Primary Residence

Refinance

Cash Out - Other

N/A

5957182

XXXX

9956977

Closed

finding-3634

2025-10-21 11:17

2025-11-18 12:07

Cured

2 - Non-Material

Compliance

TRID

Charges That Cannot Increase Test

Cured-Received PCCD XXXX  with lender credit cure disclosed correctly.  - Due Diligence Vendor-11/18/2025
Ready for Review-Document Uploaded. It took some effort but we finally figured out how to update the line on the actual CD in XXXX .  Could we get some clarification on the basis for your request?  In all other cases of tolerance cures, our past process was sufficient for all parties:  Add the amount to Lender Credit on the CD and Provide a detailed explanation comparing amount disclosed, allowed and charged.  I've looked through all compliance guidence I could find and haven't found the extra verbiage on the CD to be required, suggested, recommended, etc.   I don't mean to be difficult on your requirement, I just want to be able to properly document the update I'll make to our policies & procedures. - Seller-11/18/2025
Counter-Received CD XXXX  however, the verbiage "Includes $247.20 for closing costs above legal limit." is missing from section J. Please provide updated CD. - Due Diligence Vendor-11/17/2025
Ready for Review-Document Uploaded. PCCD generated prior to check being written, has a date of XXXX , but this is the correct CD - Seller-11/17/2025
Counter------Still missing PCCD from date of check XXXX .  Please provide.  Received LOE, Copy of Check and Shipping label.  Finding Remains. - Due Diligence Vendor-11/14/2025
Ready for Review-Document Uploaded. Apologies, here you go. - Seller-11/13/2025
Counter------Please provide the PCCD and copy of the check for the cure.  Received the LOE and shipping label. Finding Remains. - Due Diligence Vendor-11/12/2025
Ready for Review-Document Uploaded. Tolerance cure sent to borrower. Please see attached. - Seller-11/10/2025
Counter------Section B is a Zero Tolerance section, the only time it becomes a 10% tolerance section is when the title fees are moved into it, the only information in section B that is run with the 10% tolerance are the title fees. The Appraisals, Re-inspections, CDA’s, Credit Report, Flood Cert, Tax Service and Third-party processing fees are run with a zero-tolerance review.
The CDA was added on the CD XXXX  for $185.40, which is not mentioned on the COC provided,  and then increased to $432.60 on the final CD XXXX . Please provided a COC for this crease of fee, or a PCCD with a credit to the borrower for this fee over legal limits.
- Due Diligence Vendor-11/10/2025
Ready for Review-No additional COC is required.  While we acknowledge the change in the CDA Review fee, this change occured within section B which allows a 10% tolerance.  As well, it should be pointed out that this 10% tolerance applies the affected fees in aggregate--not on an individual fee basis.

As previously indicated, The most recent COC dated XXXX  (previously attached as supporting documentation to this condition) totals $5464.80 for which the 10% threshold is $6011.28.  Since the Final CD shows totals fees in Section B of only $5712.  Therefore, the loan is within tolerance.

Please call me to discuss XXXX  - Seller-11/10/2025
Counter-Please provide COC for additional fee of $432.60 for a CDA that appears as a new fee on the Final CD issued XXXX .  Finding remains. - Due Diligence Vendor-11/10/2025
Ready for Review-In reviewing your comments, it almost seems like we're looking at two different sets of documents.  In my review of the 2nd COC which also produced the Initial CD on XXXX  versus the final CD dated XXXX , I see the following:
Section A.  Matches to the Penny.
Section B.  Total costs disclosed at $5464.80 for which 110% equals $6011.28.  Since the Final CD shows $5712.00, this is well within tolerance.

Now, your comment also references Appraisal Review Charges of $247.20 even though the final CD shows two Appraisal Review charges which only total $185.40 so I'm not sure on what basis you're sourcing the additional $61.80.

Finally, the entire comment seems predicated on the claim that changes were made without a valid COC which, as indicated above, was part of the creation of that XXXX  Initial CD.  Is it possible you're really just asking for a COC document? - Seller-11/07/2025
Counter-----Received COC for appraisal review changes on CD XXXX . Does not cover the changes on Final CD XXXX . ----- Zero (0%) tolerance fees increased by $247.20 (Appraisal Review Fee) without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $247.20, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations 3 years. Expires XXXX . - Due Diligence Vendor-11/04/2025
Ready for Review-Document Uploaded. Please see attached - Seller-10/31/2025
Open-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).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $648.00.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). ----- Zero (0%) tolerance fees increased by $648 (Appraisal Review Fee & Appraisal Recertification) without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $648, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations 3 years. Expires XXXX .
- Due Diligence Vendor-10/21/2025

Ready for Review-Document Uploaded. It took some effort but we finally figured out how to update the line on the actual CD in XXXX .  Could we get some clarification on the basis for your request?  In all other cases of tolerance cures, our past process was sufficient for all parties:  Add the amount to Lender Credit on the CD and Provide a detailed explanation comparing amount disclosed, allowed and charged.  I've looked through all compliance guidence I could find and haven't found the extra verbiage on the CD to be required, suggested, recommended, etc.   I don't mean to be difficult on your requirement, I just want to be able to properly document the update I'll make to our policies & procedures. - Seller-11/18/2025
Ready for Review-Document Uploaded. PCCD generated prior to check being written, has a date of XXXX , but this is the correct CD - Seller-11/17/2025
Ready for Review-Document Uploaded. Apologies, here you go. - Seller-11/13/2025
Ready for Review-Document Uploaded. Tolerance cure sent to borrower. Please see attached. - Seller-11/10/2025
Ready for Review-No additional COC is required.  While we acknowledge the change in the CDA Review fee, this change occured within section B which allows a 10% tolerance.  As well, it should be pointed out that this 10% tolerance applies the affected fees in aggregate--not on an individual fee basis.

As previously indicated, The most recent COC dated XXXX (previously attached as supporting documentation to this condition) totals $5464.80 for which the 10% threshold is $6011.28.  Since the Final CD shows totals fees in Section B of only $5712.  Therefore, the loan is within tolerance.

Please call me to discuss XXXX  - Seller-11/10/2025
Ready for Review-In reviewing your comments, it almost seems like we're looking at two different sets of documents.  In my review of the 2nd COC which also produced the Initial CD on XXXX versus the final CD dated XXXX , I see the following:
Section A.  Matches to the Penny.
Section B.  Total costs disclosed at $5464.80 for which 110% equals $6011.28.  Since the Final CD shows $5712.00, this is well within tolerance.

Now, your comment also references Appraisal Review Charges of $247.20 even though the final CD shows two Appraisal Review charges which only total $185.40 so I'm not sure on what basis you're sourcing the additional $61.80.

Finally, the entire comment seems predicated on the claim that changes were made without a valid COC which, as indicated above, was part of the creation of that XXXX  Initial CD.  Is it possible you're really just asking for a COC document? - Seller-11/07/2025
Ready for Review-Document Uploaded. Please see attached - Seller-10/31/2025

Cured-Received PCCD XXXX with lender credit cure disclosed correctly. - Due Diligence Vendor-11/18/2025

Qualifying FICO score is at least 20 points above minimum for program - Minimum required is 720, Borrower has 763

Qualifying DTI below maximum allowed - Max DTI is 50%, Borrower has 10.87%

XXXX

Non-QM: Lender documented all ATR UW factors

XXXX

Primary Residence

Refinance

Cash Out - Other

N/A

5958255

XXXX

9956977

Closed

FCRE8887

2025-10-21 16:10

2025-11-04 15:50

Resolved

1 - Information

Credit

Missing Doc

Missing or Incomplete 1003

Resolved-Received updated 1003
- Due Diligence Vendor-11/04/2025
Ready for Review-Document Uploaded. Please see attached. - Seller-10/31/2025
Open-Final 1003 provided is not on more recent form XXXX. Please provide final 1003 on the correct form. - Due Diligence Vendor-10/21/2025

Ready for Review-Document Uploaded. Please see attached. - Seller-10/31/2025

Resolved-Received updated 1003
- Due Diligence Vendor-11/04/2025

Qualifying FICO score is at least 20 points above minimum for program - Minimum required is 720, Borrower has 763

Qualifying DTI below maximum allowed - Max DTI is 50%, Borrower has 10.87%

XXXX

Non-QM: Lender documented all ATR UW factors

XXXX

Primary Residence

Refinance

Cash Out - Other

N/A

5963993

XXXX

9956977

Closed

FCOM5135

2025-10-21 10:31

Waived

2 - Non-Material

Compliance

Missing Doc

Missing Required Affiliated Business Disclosure

Waived-Required Affiliated Business Disclosure Missing ----- Originator waiver applied to non-material Findings.
- Due Diligence Vendor-10/21/2025

Qualifying FICO score is at least 20 points above minimum for program - Minimum required is 720, Borrower has 763

Qualifying DTI below maximum allowed - Max DTI is 50%, Borrower has 10.87%

Non-QM: Lender documented all ATR UW factors

XXXX

Primary Residence

Refinance

Cash Out - Other

Originator Post-Close

5957376

XXXX

10101095

Closed

FCRE0183

2025-12-15 08:57

2025-12-17 17:22

Resolved

1 - Information

Credit

Eligibility

Required Spousal Consent to Pledge form is missing

Resolved-XXXX guidelines do not require a Spousal Consent form. - Due Diligence Vendor-12/17/2025
Open-Idaho requires a Spousal Consent to Pledge form. The required documentation was not identified in the file. - Due Diligence Vendor-12/15/2025

Resolved-XXXX guidelines do not require a Spousal Consent form. - Due Diligence Vendor-12/17/2025

LTV is less than guideline maximum - Required is 80 Borrower has 75

Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 769

ATR/QM: Exempt

XXXX

Investment

Purchase

N/A

6621234

XXXX

10101097

Closed

FCRE0700

2025-12-11 11:39

2026-01-07 12:22

Resolved

1 - Information

Credit

Missing Doc

Closing Detail Statement Document is Missing

Resolved-Final settlement statement provided. - Due Diligence Vendor-01/07/2026

Ready for Review-Document Uploaded. FSS provided, please clear finding. - Seller-01/07/2026

Open-Closing Detail Statement Document is Missing and subject property is an Investment property. Loan file is missing a final CD, HUD or ALTA settlement statement. Additional conditions may apply. - Due Diligence Vendor-12/11/2025

Ready for Review-Document Uploaded. FSS provided, please clear finding. - Seller-01/07/2026

Resolved-Final settlement statement provided. - Due Diligence Vendor-01/07/2026

LTV is less than guideline maximum - LTV is 65%, max allowed is 75% Required is 75 Borrower has 65

Qualifying FICO score is at least 20 points above minimum for program - Min required is 680, Borrower has 748 Required is 680 Borrower has 748

XXXX

ATR/QM: Exempt

XXXX

Investment

Purchase

N/A

6586039

XXXX

10100962

Non-QM: Lender documented all ATR UW factors

XXXX

Primary Residence

Refinance

Cash Out - Other

XXXX

10100941

Closed

finding-3939

2025-12-15 14:14

2026-01-06 10:01

Resolved

1 - Information

Compliance

ComplianceEase

TRID Rate Lock Disclosure Delivery Date Test

Resolved-Upon further review, the document(s) are located in original file, nothing further required.   - Due Diligence Vendor-01/06/2026
Ready for Review-Document Uploaded. please find the LE for XXXX - Seller-01/02/2026
Counter------Received duplicate of LE XXXX.  Missing LE within 3 business days after the interest rate lock of XXXX.  Finding remains. - Due Diligence Vendor-12/24/2025
Ready for Review-Document Uploaded. please find the LE  - Seller-12/22/2025
Open-This loan failed the TRID Rate Lock Disclosure Delivery Date Test. (12 CFR §1026.19(e)(3)(iv)(D))A disclosure advising of the revised interest rate, points, lender credits, and any other interest rate dependent charges and terms was not provided to the borrower within three business days after the interest rate was locked on XXXX. -----Missing LE within three business days after the interest rate was locked on XXXX - Due Diligence Vendor-12/15/2025

Ready for Review-Document Uploaded. please find the LE for XXXX - Seller-01/02/2026
Ready for Review-Document Uploaded. please find the LE - Seller-12/22/2025

Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-01/06/2026

Qualifying DTI below maximum allowed - Required is 50 Borrower has 40.55

Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 762

Months Reserves exceed minimum required - 12 months required, borrower has 16 months

XXXX

Non-QM: Lender documented all ATR UW factors

XXXX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

N/A

6629898

XXXX

10100941

Closed

FCRE6737

2025-12-17 15:14

2025-12-24 15:29

Resolved

1 - Information

Credit

Missing Doc

Missing Letter of Explanation (Income)

Resolved-Received LOE - Due Diligence Vendor-12/24/2025

Ready for Review-Document Uploaded. please find LOX - Seller-12/22/2025

Open-Lender to obtain an LOX from borrower verifying the transfers from other checking accounts utilized by the underwriter as eligible deposits, did not originate from any account(s) owned by the borrower or borrower's business(es). Additional conditions may apply. - Due Diligence Vendor-12/17/2025

Ready for Review-Document Uploaded. please find LOX - Seller-12/22/2025

Resolved-Received LOE - Due Diligence Vendor-12/24/2025

XXXX

Non-QM: Lender documented all ATR UW factors

XXXX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

N/A

6668837

XXXX

10100941

Closed

FCOM1353

2025-12-15 13:01

Waived

2 - Non-Material

Compliance

Disclosure

Incorrect ROR Form Type selected

Waived-The Incorrect ROR Form Type is selected in light of the Same Creditor or Lender Affiliate Refinance (The Right to Cancel Form Model is 'H8 (New Creditor)' and the Same Creditor or Lender Affiliate Refinance selection is 'Yes'). -----ROR Form H8 is acceptable in place of H9 form. Finding is deemed non-material. Originator waiver applied to non-material Findings.
- Due Diligence Vendor-12/15/2025

Non-QM: Lender documented all ATR UW factors

XXXX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

Originator Post-Close

6628031

XXXX

10100949

Closed

FCRE1506

2025-12-18 11:53

2026-06-01 11:29

Resolved

1 - Information

Credit

QM-ATR

Invalid Final QM Status - ATR/QM: Status Pending

Resolved-Received missing compliance documentation. - Due Diligence Vendor-12/29/2025

Ready for Review-Document Uploaded. le was uploaded. this is the first and only LE - Seller-12/23/2025

Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Missing initial and final Loan Estimates from file - Due Diligence Vendor-12/18/2025

Ready for Review-Document Uploaded. le was uploaded. this is the first and only LE - Seller-12/23/2025

Resolved-Received missing compliance documentation. - Due Diligence Vendor-12/29/2025

LTV is less than guideline maximum - LTV 80% is lower than maximum 90% Required is 90 Borrower has 80

Qualifying DTI below maximum allowed - DTI 14.15% is lower than allowable 50% Required is 50 Borrower has 14.15

Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 803

XXXX

Non-QM: Lender documented all ATR UW factors

XXXX

Primary Residence

Purchase

N/A

6686367

XXXX

10100949

Closed

finding-3635

2025-12-24 08:43

2026-01-09 12:57

Resolved

1 - Information

Compliance

TRID

Charges That In Total Cannot Increase More Than 10% Test

Resolved-Rec'd Additional Details for Services You Can Shop For, Finding resolved. - Due Diligence Vendor-01/09/2026
Ready for Review-Document Uploaded. Please see initial disclosures and clear finding.  - Seller-01/09/2026
Counter-----Missing copy of Service Provider list.  Please provide to correct the 10% tolerance issue.  Finding Remains. - Due Diligence Vendor-01/09/2026
Ready for Review-The tolerance for fees that cannot increase more than 10% does not apply to this transaction. This is a purchase transaction where the borrower chose the service providers XXXX which are not on the XXXX  list of service providers given to the borrower with the initial disclosures. Once a borrower chooses their own service providers XXXX  is not liable for any increase in fees and the 10% does not apply. Please clear finding.  - Seller-01/08/2026
Open-*****NEW***** Ten (10%) tolerance fees (Title Fees in section C) increased by $132.93 without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $132.93 post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date.  Statute of Limitations - 1 Year(s); Expiration Date: XXXX .  Missing service provider list for accurate testing. - Due Diligence Vendor-12/24/2025
Open-This loan failed the charges that in total cannot increase more than 10% test.  (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than 10% ($2,836.73) exceed the comparable charges ($2,458.00) by more than 10%. Please see the table that displays the Charges That Cannot Increase More Than 10% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than 10 percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). - Due Diligence Vendor-12/24/2025

Ready for Review-Document Uploaded. Please see initial disclosures and clear finding. - Seller-01/09/2026
Ready for Review-The tolerance for fees that cannot increase more than 10% does not apply to this transaction. This is a purchase transaction where the borrower chose the service providers XXXX which are not on the XXXX list of service providers given to the borrower with the initial disclosures. Once a borrower chooses their own service providers XXXX is not liable for any increase in fees and the 10% does not apply. Please clear finding. - Seller-01/08/2026

Resolved-Rec'd Additional Details for Services You Can Shop For, Finding resolved. - Due Diligence Vendor-01/09/2026

XXXX

Non-QM: Lender documented all ATR UW factors

XXXX

Primary Residence

Purchase

N/A

6786535

XXXX

10100949

Closed

finding-3408

2025-12-24 08:43

2026-01-09 09:21

Resolved

1 - Information

Compliance

Points & Fees

High-Cost Mortgage Late Fee Test

Resolved-----Received copy of Undiscounted rate. Finding Resolved. - Due Diligence Vendor-01/09/2026

Ready for Review-Document Uploaded. undiscounted rate 7.5 - Seller-01/07/2026

Open-This loan failed the high-cost mortgage late charges test for one of the following reasons: ( 12 CFR §1026.34(a)(8)(i) )The loan provides for a late payment fee in excess of 4% of the amount of the payment past due; orA value for the late charges amount was not provided.Any late payment charge imposed in connection with a high-cost mortgage must be specifically permitted by the terms of the loan contract or open-end credit agreement and may not exceed 4 percent of the amount of the payment past due. No such charge may be imposed more than once for a single late payment. - Due Diligence Vendor-12/24/2025

Ready for Review-Document Uploaded. undiscounted rate 7.5 - Seller-01/07/2026

Resolved-----Received copy of Undiscounted rate. Finding Resolved. - Due Diligence Vendor-01/09/2026

XXXX

Non-QM: Lender documented all ATR UW factors

XXXX

Primary Residence

Purchase

N/A

6786531

XXXX

10100949

Closed

finding-3406

2025-12-24 08:43

2026-01-09 09:21

Resolved

1 - Information

Compliance

Disclosure

High-Cost Mortgage Pre-Loan Counseling Date Test

Resolved-----Received copy of Undiscounted rate. Finding Resolved. - Due Diligence Vendor-01/09/2026

Ready for Review-Document Uploaded. please find undiscounted rate. - Seller-01/07/2026

Open-This loan failed the high-cost mortgage pre-loan counseling date test due to one of the following findings: (12 CFR §1026.34(a)(5)(i), (ii))The loan is a 2010 RESPA loan and the High-Cost Mortgage Pre-Loan Counseling Date indicates the creditor did not receive written certification that the consumer has obtained counseling on the advisability of the mortgage after the consumer received either the good faith estimate or the disclosures required by 12 CFR §1026.40; orThe loan is a 2015 TRID loan and the High-Cost Mortgage Pre-Loan Counseling Date indicates the creditor did not receive written certification that the consumer has obtained counseling on the advisability of the mortgage after the consumer received either the initial loan estimate or the disclosures required by 12 CFR §1026.40; orThe loan is a chattel loan and the High-Cost Mortgage Pre-Loan Counseling Date indicates the creditor did not receive written certification that the consumer has obtained counseling on the advisability of the mortgage after the consumer received the disclosures required by 12 CFR §1026.32; orThe High-Cost Mortgage Pre-Loan Counseling Date was not provided; orThe High-Cost Mortgage Pre-Loan Counseling Date is on or after the closing date or estimated closing date.Certification of counseling required. A creditor shall not extend a high-cost mortgage to a consumer unless the creditor receives written certification that the consumer has obtained counseling on the advisability of the mortgage from a counselor that is approved to provide such counseling by the Secretary of the U.S. Department of Housing and Urban Development or, if permitted by the Secretary, by a State housing finance authority.(ii) Timing of counseling. The counseling required under this paragraph (a)(5) must occur after:(A) The consumer receives either the disclosure required by section 5(c) of the Real Estate Settlement Procedures Act of 1974 (12 U.S.C. 2604(c)) or the disclosures required by §1026.40; or(B) The consumer receives the disclosures required by §1026.32(c), for transactions in which neither of the disclosures listed in (A) are provided. - Due Diligence Vendor-12/24/2025

Ready for Review-Document Uploaded. please find undiscounted rate. - Seller-01/07/2026

Resolved-----Received copy of Undiscounted rate. Finding Resolved. - Due Diligence Vendor-01/09/2026

XXXX

Non-QM: Lender documented all ATR UW factors

XXXX

Primary Residence

Purchase

N/A

6786532

XXXX

10100949

Closed

finding-3393

2025-12-24 08:43

2026-01-09 09:21

Resolved

1 - Information

Compliance

Points & Fees

High-Cost Mortgage Points and Fees Threshold Test

Resolved-----Received copy of Undiscounted rate. Finding Resolved. - Due Diligence Vendor-01/09/2026
Ready for Review-Document Uploaded. undiscounted rate uploaded 7.5 - Seller-01/07/2026
Open-This loan failed the high-cost mortgage points and fees threshold test due to one of the following findings: ( 12 CFR §1026.32(a)(1)(ii)(A), (B) )The loan amount is $26,968.00 or more, and the transaction's total points and fees is $14,869.00, which exceeds 5 percent of the total loan amount of XXXX ; orThe loan amount is less than $26,968.00 and the transaction's total points and fees is $14,869.00, which exceeds the lesser of 8 percent of the total loan amount of XXXX or $1,348.00. - Due Diligence Vendor-12/24/2025

Ready for Review-Document Uploaded. undiscounted rate uploaded 7.5 - Seller-01/07/2026

Resolved-----Received copy of Undiscounted rate. Finding Resolved. - Due Diligence Vendor-01/09/2026

XXXX

Non-QM: Lender documented all ATR UW factors

XXXX

Primary Residence

Purchase

N/A

6786543

XXXX

10100949

Closed

finding-3399

2025-12-24 08:43

2026-01-09 09:21

Resolved

1 - Information

Compliance

Disclosure

High-Cost Mortgage Timing of Disclosure Test

Resolved-----Received copy of Undiscounted rate. Finding Resolved. - Due Diligence Vendor-01/09/2026

Ready for Review-Document Uploaded. undiscounted rate 7.5 - Seller-01/07/2026

Open-This loan failed the high-cost mortgage timing of disclosure test due to one of the following findings: ( 12 CFR §1026.31(c) )The High-Cost Mortgage Disclosure Date indicates the creditor did not furnish the disclosure required by 12 CFR §1026.32 at least three business days prior to the consummation or account opening of a high-cost mortgage; orThe High-Cost Mortgage Disclosure Date was not provided; orNeither the consummation date nor the closing date was provided. - Due Diligence Vendor-12/24/2025

Ready for Review-Document Uploaded. undiscounted rate 7.5 - Seller-01/07/2026

Resolved-----Received copy of Undiscounted rate. Finding Resolved. - Due Diligence Vendor-01/09/2026

XXXX

Non-QM: Lender documented all ATR UW factors

XXXX

Primary Residence

Purchase

N/A

6786544

XXXX

10100949

Closed

FCOM1266

2025-12-17 09:38

2026-01-09 09:15

Resolved

1 - Information

Compliance

Missing Doc

Homeownership Counseling Disclosure Is Missing

Resolved-Received Homeownership Counseling Disclosure - Due Diligence Vendor-12/24/2025

Ready for Review-Document Uploaded. please find discl - Seller-12/23/2025

Open-Homeownership Counseling Disclosure Is Missing Please provide Homeownership Counseling Disclosure provided to borrower within three business days of application date. - Due Diligence Vendor-12/17/2025

Ready for Review-Document Uploaded. please find discl - Seller-12/23/2025

Resolved-Received Homeownership Counseling Disclosure - Due Diligence Vendor-12/24/2025

XXXX

Non-QM: Lender documented all ATR UW factors

XXXX

Primary Residence

Purchase

N/A

6660450

XXXX

10100949

Closed

FCOM1252

2025-12-17 10:53

2025-12-24 09:05

Resolved

1 - Information

Compliance

Missing Doc

TRID: Missing Loan Estimate

Resolved-Received initial LE XXXX. - Due Diligence Vendor-12/24/2025
Ready for Review-Document Uploaded. LE uploaded for review. - Seller-12/23/2025
Open-Missing initial and final Loan Estimates from file - Due Diligence Vendor-12/17/2025

Ready for Review-Document Uploaded. LE uploaded for review. - Seller-12/23/2025

Resolved-Received initial LE XXXX. - Due Diligence Vendor-12/24/2025

XXXX

Non-QM: Lender documented all ATR UW factors

XXXX

Primary Residence

Purchase

N/A

6662134

XXXX

10100949

Closed

FCOM1301

2025-12-17 09:38

2025-12-17 12:02

Waived

2 - Non-Material

Compliance

Missing Doc

Home Loan Toolkit is Missing

Waived-The Home Loan Toolkit disclosure is missing. Originator waiver applied to non-material findings. - Due Diligence Vendor-12/17/2025

Non-QM: Lender documented all ATR UW factors

XXXX

Primary Residence

Purchase

Originator Post-Close

6660449

XXXX

10101116

Closed

FCRE1440

2025-12-18 22:08

2026-01-05 10:24

Resolved

1 - Information

Credit

Eligibility

Housing History Does Not Meet Guideline Requirements

Resolved-Pay history provided, which confirms 1x30x12. - Due Diligence Vendor-01/05/2026

Ready for Review-Document Uploaded. payment - Seller-12/22/2025

Open-Housing History Does Not Meet Guideline Requirements, Missing the most recent payment history for the subject property. - Due Diligence Vendor-12/19/2025

Ready for Review-Document Uploaded. payment - Seller-12/22/2025

Resolved-Pay history provided, which confirms 1x30x12. - Due Diligence Vendor-01/05/2026

On time mortgage history exceeds guideline requirement - 0x30x12 in the past 21 months

LTV is less than guideline maximum - LTV 68.89% is lower than maximum 75% Required is 75 Borrower has 68.89

Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 702 is higher than the required 620 Required is 620 Borrower has 702

XXXX

ATR/QM: Exempt

XXXX

Investment

Refinance

Cash Out - Other

N/A

6698596

XXXX

10101116

Closed

FCRE0184

2025-12-18 13:59

2025-12-24 15:32

Resolved

1 - Information

Credit

Eligibility

Missing Cash-out Letter on a Business Purpose Loan

Resolved-Received cash out purpose LOE.  - Due Diligence Vendor-12/24/2025

Ready for Review-Document Uploaded. LOX  - Seller-12/22/2025

Open-Missing Cash-out Letter on a Business Purpose Loan.  - Due Diligence Vendor-12/18/2025

Ready for Review-Document Uploaded. LOX - Seller-12/22/2025

Resolved-Received cash out purpose LOE. - Due Diligence Vendor-12/24/2025

XXXX

ATR/QM: Exempt

XXXX

Investment

Refinance

Cash Out - Other

N/A

6689110

XXXX

10101116

Closed

FCRE1510

2025-12-18 13:23

2025-12-24 15:31

Resolved

1 - Information

Credit

Closing

Issues exist on the Mortgage Document (Deed of Trust)

Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-12/24/2025

Ready for Review-Document Uploaded. dot with legal - Seller-12/22/2025

Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing legal to the mortgage - Due Diligence Vendor-12/18/2025

Ready for Review-Document Uploaded. dot with legal - Seller-12/22/2025

Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-12/24/2025

XXXX

ATR/QM: Exempt

XXXX

Investment

Refinance

Cash Out - Other

N/A

6688368

XXXX

10101106

ATR/QM: Exempt

XXXX

Investment

Refinance

Cash Out - Other

XXXX

9917867

Closed

FCRE5770

2025-12-18 16:51

2025-12-22 10:45

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 Credit Report is Missing

Resolved-Received credit report. - Due Diligence Vendor-12/22/2025
Ready for Review-Document Uploaded. Supporting Document - Buyer-12/19/2025
Open-Borrower 1 Credit Report is Missing. Original credit report date XXXX; however, missing from loan file. Only credit report in file is the gap credit report. - Due Diligence Vendor-12/18/2025

Resolved-Received credit report. - Due Diligence Vendor-12/22/2025

Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 768

LTV is less than guideline maximum - Required is 80 Borrower has 68

Qualifying DTI below maximum allowed - Required is 50 Borrower has 21.19

XXXX

Non-QM: Lender documented all ATR UW factors

XXXX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

N/A

6693719

XXXX

9917867

Closed

finding-3635

2025-12-17 16:48

2025-12-22 08:29

Resolved

1 - Information

Compliance

TRID

Charges That In Total Cannot Increase More Than 10% Test

Resolved-----Received CD and COC dated XXXX . Finding Resolved. - Due Diligence Vendor-12/22/2025
Ready for Review-Document Uploaded. Supporting Document - Buyer-12/19/2025
Open-This loan failed the charges that in total cannot increase more than 10% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than 10% ($140.00) exceed the comparable charges ($70.00) by more than 10%. Please see the table that displays the Charges That Cannot Increase More Than 10% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than 10 percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). -----Ten (10%) tolerance fees (Recording Service Fee) increased by $63.00 without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $63.00, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations - 3 Year(s); Expiration Date: XXXX . - Due Diligence Vendor-12/17/2025

Resolved-----Received CD and COC dated XXXX . Finding Resolved. - Due Diligence Vendor-12/22/2025

XXXX

Non-QM: Lender documented all ATR UW factors

XXXX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

N/A

6670945

XXXX

10101007

Non-QM: Lender documented all ATR UW factors

XXXX

Primary Residence

Purchase

XXXX

10100969

Closed

finding-3634

2025-12-19 12:43

2025-12-30 11:18

Resolved

1 - Information

Compliance

TRID

Charges That Cannot Increase Test

Resolved-----Received COC for increase in Fees. Finding Resolved. - Due Diligence Vendor-12/30/2025
Ready for Review-Document Uploaded. coc for review. - Seller-12/26/2025
Open-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).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $1,487.39.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). ----- Zero (0%) tolerance fees increased by $1,487.39 (Points - Loan Discount Fee) without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $1,487.39, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations - 1 Year(s); Expiration Date: XXXX .
- Due Diligence Vendor-12/19/2025

Ready for Review-Document Uploaded. coc for review. - Seller-12/26/2025

Resolved-----Received COC for increase in Fees. Finding Resolved. - Due Diligence Vendor-12/30/2025

LTV is less than guideline maximum - Required is 90 Borrower has 85 Required is 90 Borrower has 85

Qualifying DTI below maximum allowed - Required is 50 Borrower has 10.32 Required is 50 Borrower has 10.32

Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 737 Required is 680 Borrower has 737

XXXX

QM: Safe Harbor APOR (APOR SH)

XXXX

Primary Residence

Purchase

N/A

6708070

XXXX

10101511

Closed

FCRE1334

2025-12-22 15:41

2025-12-30 16:48

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 Executed 4506-T/4506-C is Missing

Resolved-Received Signed 4506-C - Due Diligence Vendor-12/30/2025

Ready for Review-Document Uploaded. 4506C - Seller-12/26/2025

Open-Borrower 1 Executed 4506-T/4506-C is Missing - Due Diligence Vendor-12/22/2025

Ready for Review-Document Uploaded. 4506C - Seller-12/26/2025

Resolved-Received Signed 4506-C - Due Diligence Vendor-12/30/2025

Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 804

LTV is less than guideline maximum - Required is 80 Borrower has 65

Qualifying DTI below maximum allowed - Required is 50 Borrower has 24.83

XXXX

ATR/QM: Exempt

XXXX

Investment

Refinance

No Cash Out - Borrower Initiated

N/A

6745411

XXXX

10101511

Closed

FCRE1510

2025-12-19 11:20

2025-12-30 16:47

Resolved

1 - Information

Credit

Closing

Issues exist on the Mortgage Document (Deed of Trust)

Resolved-Received DOT w/Legal. - Due Diligence Vendor-12/30/2025

Ready for Review-Document Uploaded. dot - Seller-12/26/2025

Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing attached legal description. - Due Diligence Vendor-12/19/2025

Ready for Review-Document Uploaded. dot - Seller-12/26/2025

Resolved-Received DOT w/Legal. - Due Diligence Vendor-12/30/2025

XXXX

ATR/QM: Exempt

XXXX

Investment

Refinance

No Cash Out - Borrower Initiated

N/A

6706195

XXXX

10100964

Closed

FCRE1316

2025-12-23 13:37

2025-12-31 16:04

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 3rd Party VOE Prior to Close Missing

Resolved-Received VVOE for B1 - Due Diligence Vendor-12/31/2025

Ready for Review-Document Uploaded. This is a 12-month document type, so 2 years verification is not required.please clear - Seller-12/30/2025

Open-Borrower 1 3rd Party VOE Prior to Close Missing Provide the required VVOE for current and prior employment to cover 2yrs employment history for borrower 1 - Due Diligence Vendor-12/23/2025

Ready for Review-Document Uploaded. This is a 12-month document type, so 2 years verification is not required.please clear - Seller-12/30/2025

Resolved-Received VVOE for B1 - Due Diligence Vendor-12/31/2025

LTV is less than guideline maximum - LTV 80% is lower than maximum 90% Required is 90 Borrower has 80

Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 761 is higher than the required 660 Required is 660 Borrower has 761

XXXX

QM: Safe Harbor APOR (APOR SH)

XXXX

Primary Residence

Purchase

N/A

6766522

XXXX

10100964

Closed

FCRE1317

2025-12-23 13:37

2025-12-31 16:02

Resolved

1 - Information

Credit

Income/Employment

Borrower 1 Total Years Employment Verified is Less Than 24 Months

Resolved-Received WVOe for 1 year employment and application reflects 24 months - Due Diligence Vendor-12/31/2025

Ready for Review-Document Uploaded. This is a 12-month document type, so 2 years verification is not required. please clear. - Seller-12/30/2025

Open-Borrower 1 Total Years Employment Verified is Less Than 24 Months Provide the required VVOE for current and prior employment to cover 2yrs employment history for borrower 1 - Due Diligence Vendor-12/23/2025

Ready for Review-Document Uploaded. This is a 12-month document type, so 2 years verification is not required. please clear. - Seller-12/30/2025

Resolved-Received WVOe for 1 year employment and application reflects 24 months - Due Diligence Vendor-12/31/2025

XXXX

QM: Safe Harbor APOR (APOR SH)

XXXX

Primary Residence

Purchase

N/A

6766523

XXXX

10101055

Closed

FCRE1198

2025-12-29 15:31

2025-12-29 23:03

Waived

2 - Non-Material

Credit

Eligibility

Audited Reserves are less than Guideline Required Reserves (Number of Months)

Waived-Originator waiver applied to non-material finding with compensating factors. - Due Diligence Vendor-12/30/2025

Open-Audited Reserves of 11.62 month(s) are less than Guideline Required Reserves of 12 month(s) Lender exception to allow 11.5 months of reserves, 12 months required, noting borrower has shown the ability to save money/assets in the past year, totaling over $150,000 over 12 months. - Due Diligence Vendor-12/29/2025

Waived-Originator waiver applied to non-material finding with compensating factors. - Due Diligence Vendor-12/30/2025

Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 730

LTV is less than guideline maximum - Required is 90 Borrower has 85

Qualifying DTI below maximum allowed - Required is 50 Borrower has 35.48

DTI is more than 14% below max of 50%
LTV is 5% below max of 90%
FICO score is 30 points below minimum of 700.

Non-QM: Lender documented all ATR UW factors

XXXX

Primary Residence

Purchase

Originator Post-Close

Yes

6840122

XXXX

10101114

Closed

FCRE0700

2025-12-30 16:19

2026-01-14 14:25

Resolved

1 - Information

Credit

Missing Doc

Closing Detail Statement Document is Missing

Resolved-Final settlement statement provided. - Due Diligence Vendor-01/14/2026

Ready for Review-Document Uploaded. FSS for review please clear. - Seller-01/13/2026

Open-Closing Detail Statement Document is Missing and subject property is an Investment property. Missing final settlement statement; the file only contains an estimated settlement statement which only reflects the buyers side of the transaction. - Due Diligence Vendor-12/30/2025

Ready for Review-Document Uploaded. FSS for review please clear. - Seller-01/13/2026

Resolved-Final settlement statement provided. - Due Diligence Vendor-01/14/2026

Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 783

LTV is less than guideline maximum - Required is 80 Borrower has 75

XXXX

ATR/QM: Exempt

XXXX

Investment

Purchase

N/A

6860904

XXXX

10101114

Closed

FCRE0197

2025-12-30 15:34

2026-01-14 14:23

Resolved

1 - Information

Credit

Eligibility

The Final SELLER CD/HUD is missing

Resolved-Seller settlement statement provided. - Due Diligence Vendor-01/14/2026

Ready for Review-Document Uploaded. final seller cd please clear. - Seller-01/13/2026

Open-The Final SELLER CD/HUD is missing. The estimated settlement statement in file is only the buyer's side. The seller's side was not identified in the file. - Due Diligence Vendor-12/30/2025

Ready for Review-Document Uploaded. final seller cd please clear. - Seller-01/13/2026

Resolved-Seller settlement statement provided. - Due Diligence Vendor-01/14/2026

Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 783

LTV is less than guideline maximum - Required is 80 Borrower has 75

XXXX

ATR/QM: Exempt

XXXX

Investment

Purchase

N/A

6860128

XXXX

10026837

Closed

FCRE1326

2025-12-29 14:38

2026-01-16 12:31

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 YTD Profit & Loss Missing

Resolved-After further review, a P&L is not required. There is no income on the 1065. Only rental income from 8825 and depreciation was used. - Due Diligence Vendor-01/16/2026
Open-Borrower 1 YTD Profit & Loss Missing Missing YTD P&L for 2025 for XXXX completed by CPA, CTEC or EA for all three borrowers to ensure losses do not exceed prior year. - Due Diligence Vendor-12/29/2025

Resolved-After further review, a P&L is not required. There is no income on the 1065. Only rental income from 8825 and depreciation was used. - Due Diligence Vendor-01/16/2026

Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 760

Qualifying DTI below maximum allowed - Required is 50 Borrower has 42.65

ATR/QM: Exempt

XXXX

Investment

Purchase

N/A

6838888

XXXX

10026837

Closed

FCRE2244

2025-12-29 13:53

2026-01-06 13:19

Resolved

1 - Information

Credit

Eligibility

Property Does Not Meet Guidelines (credit)

Resolved-Received revised appraisal. - Due Diligence Vendor-01/06/2026

Ready for Review-Document Uploaded. Supporting Document - Buyer-01/02/2026

Open-Property Issues are identified for the property Appraisal sketch is missing the 1/2 bath on floor plan - Due Diligence Vendor-12/29/2025

Resolved-Received revised appraisal. - Due Diligence Vendor-01/06/2026

Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 760

Qualifying DTI below maximum allowed - Required is 50 Borrower has 42.65

XXXX

ATR/QM: Exempt

XXXX

Investment

Purchase

N/A

6838085

XXXX

10026837

Closed

FCRE1296

2025-12-29 14:38

2026-01-06 13:18

Resolved

1 - Information

Credit

Income/Employment

Income 5 Months Income Verified is Missing

Resolved-Received PITI 3e - Due Diligence Vendor-01/06/2026
Ready for Review-Document Uploaded. Supporting Document - Buyer-01/02/2026
Open-Income 5 Months Income Verified is Missing Missing taxes and insurance info for REO 3E (XXXX ) - Due Diligence Vendor-12/29/2025

Resolved-Received PITI 3e - Due Diligence Vendor-01/06/2026

Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 760

Qualifying DTI below maximum allowed - Required is 50 Borrower has 42.65

XXXX

ATR/QM: Exempt

XXXX

Investment

Purchase

N/A

6838891

XXXX

10026837

Closed

FCRE1510

2025-12-24 09:10

2025-12-31 11:29

Resolved

1 - Information

Credit

Closing

Issues exist on the Mortgage Document (Deed of Trust)

Resolved-Received Mortgage w/Legal. - Due Diligence Vendor-12/31/2025

Ready for Review-Document Uploaded. Supporting Document - Seller-12/30/2025

Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing attached legal description - Due Diligence Vendor-12/24/2025

Ready for Review-Document Uploaded. Supporting Document - Seller-12/30/2025

Resolved-Received Mortgage w/Legal. - Due Diligence Vendor-12/31/2025

Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 760

Qualifying DTI below maximum allowed - Required is 50 Borrower has 42.65

XXXX

ATR/QM: Exempt

XXXX

Investment

Purchase

N/A

6786897

XXXX

10100979

Closed

FCRE0044

2026-01-02 14:26

2026-01-15 15:53

Resolved

1 - Information

Credit

Eligibility

File does not contain LOX for credit inquiries

Resolved-Received LOX for credit inquiries. - Due Diligence Vendor-01/15/2026

Ready for Review-Document Uploaded. please find LOX for review please clear. - Seller-01/13/2026

Open-LOX for credit inquiries is missing. - Due Diligence Vendor-01/02/2026

Ready for Review-Document Uploaded. please find LOX for review please clear. - Seller-01/13/2026

Resolved-Received LOX for credit inquiries. - Due Diligence Vendor-01/15/2026

Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 779 is higher than the required 720 Required is 720 Borrower has 779

Qualifying DTI below maximum allowed - DTI 17.51% is lower than allowable 50% Required is 50 Borrower has 17.51

XXXX

QM: Safe Harbor APOR (APOR SH)

XXXX

Primary Residence

Refinance

Cash Out - Other

N/A

6900269

XXXX

10100979

Closed

FCRE1510

2026-01-02 11:56

2026-01-15 15:51

Resolved

1 - Information

Credit

Closing

Issues exist on the Mortgage Document (Deed of Trust)

Resolved-Received Deed of Trust with Legal Description. - Due Diligence Vendor-01/15/2026

Ready for Review-Document Uploaded. please find the dot with legal - Seller-01/13/2026

Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing legal to the mortgage - Due Diligence Vendor-01/02/2026

Ready for Review-Document Uploaded. please find the dot with legal - Seller-01/13/2026

Resolved-Received Deed of Trust with Legal Description. - Due Diligence Vendor-01/15/2026

XXXX

QM: Safe Harbor APOR (APOR SH)

XXXX

Primary Residence

Refinance

Cash Out - Other

N/A

6896570

XXXX

10100979

Closed

finding-3532

2025-12-31 11:27

2026-01-15 08:40

Resolved

1 - Information

Compliance

TRID

Initial Closing Disclosure Delivery Date Test

Resolved------Received evidence of receipt for initial CD XXXX. FInding resolved. - Due Diligence Vendor-01/15/2026
Ready for Review-Document Uploaded. initial CD for review, please clear. - Seller-01/13/2026
Open-This loan failed the initial closing disclosure delivery date test due to one of the following findings:( 12 CFR §1026.19(f)(1)(ii) )The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"XXXX" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than three business days before consummation. -------Initial CD XXXX is not signed and there is no evidence in file to determine if it was provided to borrower at least three days prior to closing date of XXXX. Statute of Limitations 3 years- Expiration date is XXXX - Due Diligence Vendor-12/31/2025

Ready for Review-Document Uploaded. initial CD for review, please clear. - Seller-01/13/2026

Resolved------Received evidence of receipt for initial CD XXXX. FInding resolved. - Due Diligence Vendor-01/15/2026

XXXX

QM: Safe Harbor APOR (APOR SH)

XXXX

Primary Residence

Refinance

Cash Out - Other

N/A

6875202

XXXX

10100979

Closed

FPRO1253

2026-01-02 12:23

2026-01-02 14:35

Resolved

1 - Information

Property

Missing Doc

Secondary Valuation or Additional Valuation has not been entered per securitization requirements

Resolved-AVM provided with a low confidence score. Guidelines do not have a minimum AVM score requirement. May result in pricing adjustment - Due Diligence Vendor-01/02/2026

Open-AVM provided with a low confidence score. Guidelines do not have a minimum AVM score requirement. May result in pricing adjustment - Due Diligence Vendor-01/02/2026

Resolved-AVM provided with a low confidence score. Guidelines do not have a minimum AVM score requirement. May result in pricing adjustment - Due Diligence Vendor-01/02/2026

QM: Safe Harbor APOR (APOR SH)

XXXX

Primary Residence

Refinance

Cash Out - Other

N/A

6897313

XXXX

10100979

Closed

FCOM1353

2026-01-02 09:07

2026-01-02 09:23

Waived

2 - Non-Material

Compliance

Disclosure

Incorrect ROR Form Type selected

Waived-The Incorrect ROR Form Type is selected in light of the Same Creditor or Lender Affiliate Refinance (The Right to Cancel Form Model is 'H8 (New Creditor)' and the Same Creditor or Lender Affiliate Refinance selection is 'Yes'). Originator waiver applied to non-material findings. - Due Diligence Vendor-01/02/2026

QM: Safe Harbor APOR (APOR SH)

XXXX

Primary Residence

Refinance

Cash Out - Other

Originator Post-Close

6891979

XXXX

10101053

Closed

finding-3634

2025-12-31 11:41

2026-01-21 12:46

Resolved

1 - Information

Compliance

TRID

Charges That Cannot Increase Test

Resolved-Received COC. - Due Diligence Vendor-01/21/2026
Ready for Review-Document Uploaded. The appraisal re-inspection fee was deemed necessary after the full appraisal was received made “Subject To” completion per plans and specs. The appraisal was received by XXXX (See screenshot from LOS system). As such, the addition of the reinspection fee was necessary and was documented and disclosed to the borrower timely. Please clear finding.   - Seller-01/20/2026
Counter------Receiveed COC XXXX for increase in appraisal re-inspection with no explanation of fee increase.  Increase for appraisal re-inspection on LE XXXX.  Finding remains. - Due Diligence Vendor-01/16/2026
Ready for Review-Document Uploaded. please find the coc  - Seller-01/14/2026
Open-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).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $150.00.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). ------Zero (0%) tolerance fees increased by $150.00 (Appraisal Reinspection) without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $150.00, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations - 1 Year(s); Expiration Date: XXXX. - Due Diligence Vendor-12/31/2025

Ready for Review-Document Uploaded. The appraisal re-inspection fee was deemed necessary after the full appraisal was received made “Subject To” completion per plans and specs. The appraisal was received by XXXX (See screenshot from LOS system). As such, the addition of the reinspection fee was necessary and was documented and disclosed to the borrower timely. Please clear finding. - Seller-01/20/2026
Ready for Review-Document Uploaded. please find the coc - Seller-01/14/2026

Resolved-Received COC. - Due Diligence Vendor-01/21/2026

Qualifying DTI below maximum allowed - Required is 50 Borrower has 10.66 Required is 50 Borrower has 10.66

LTV is less than guideline maximum - Required is 85 Borrower has 61.28 Required is 85 Borrower has 61.28

Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 759 Required is 640 Borrower has 759

XXXX

QM: Safe Harbor APOR (APOR SH)

XXXX

Primary Residence

Purchase

N/A

6875872

XXXX

10101053

Closed

FCRE1440

2026-01-02 10:48

2026-01-20 17:12

Resolved

1 - Information

Credit

Eligibility

Housing History Does Not Meet Guideline Requirements

Resolved-Borrower is living rent free and meets the tradeline requirements for borrowers without a housing history. - Due Diligence Vendor-01/20/2026
Ready for Review-this is incorrect this is not needed per guides please clear. - Seller-01/16/2026
Counter-Missing acceptable VOR for XXXX and confirmation of rent free previously. - Due Diligence Vendor-01/16/2026
Ready for Review-Document Uploaded. The GL do not require for a rent-free letter and per GL, bwr’s with no housing history require one tradeline with a $5000 high credit limit, which the borrower has met. please find the DT for both addresses.

- Seller-01/14/2026
Open-Housing History Does Not Meet Guideline Requirements Per the final application the borrower states their previous addresses were XXXX for 6 months which was rented with no rent payment listed and XXXX for the prior 3 years with no primary housing expense. No verification of rent or rent free letter was identified in the file. - Due Diligence Vendor-01/02/2026

Ready for Review-this is incorrect this is not needed per guides please clear. - Seller-01/16/2026

Ready for Review-Document Uploaded. The GL do not require for a rent-free letter and per GL, bwr’s with no housing history require one tradeline with a $5000 high credit limit, which the borrower has met. please find the DT for both addresses.

- Seller-01/14/2026

Resolved-Borrower is living rent free and meets the tradeline requirements for borrowers without a housing history. - Due Diligence Vendor-01/20/2026

XXXX

QM: Safe Harbor APOR (APOR SH)

XXXX

Primary Residence

Purchase

N/A

6893943

XXXX

10101053

Closed

FCRE0044

2026-01-02 13:50

2026-01-16 15:33

Resolved

1 - Information

Credit

Eligibility

File does not contain LOX for credit inquiries

Resolved-Received credit inquiry LOE. - Due Diligence Vendor-01/16/2026

Ready for Review-Document Uploaded. please find the LOX - Seller-01/14/2026

Open-LOX for credit inquiries is missing. LOX for credit inquiries is missing. - Due Diligence Vendor-01/02/2026

Ready for Review-Document Uploaded. please find the LOX - Seller-01/14/2026

Resolved-Received credit inquiry LOE. - Due Diligence Vendor-01/16/2026

XXXX

QM: Safe Harbor APOR (APOR SH)

XXXX

Primary Residence

Purchase

N/A

6899557

XXXX

10101028

Closed

FCRE1194

2026-01-29 17:26

2026-01-29 17:28

Waived

2 - Non-Material

Credit

Eligibility

Audited LTV Exceeds Guideline LTV

Waived-Document Uploaded. Originator exception granted to allow 5% LTV exception due to being 2x30. Non-material waiver applied to finding with compensating factors. - Due Diligence Vendor-01/29/2026

Open-Audited LTV of 70% exceeds Guideline LTV of 65% - Due Diligence Vendor-01/29/2026

Waived-Document Uploaded. Originator exception granted to allow 5% LTV exception due to being 2x30. Non-material waiver applied to finding with compensating factors. - Due Diligence Vendor-01/29/2026

Qualifying DTI below maximum allowed - DTI 28.95% is lower than allowable 50% Required is 50 Borrower has 28.95

Qualifying FICO score is at least 20 points above minimum for program - Required is 620 Borrower has 650 Required is 620 Borrower has 650

DTI of 29.50%
7 years on the job

XXXX

QM: Safe Harbor APOR (APOR SH)

XXXX

Primary Residence

Refinance

Cash Out - Other

Originator Post-Close

Yes

7360686

XXXX

10101028

Closed

FCRE1196

2026-01-29 17:26

Resolved

1 - Information

Credit

Eligibility

Audited HCLTV Exceeds Guideline HCLTV

Resolved-Issued under LTV - Due Diligence Vendor-01/29/2026

Open-Audited HLTV of 70% exceeds Guideline HCLTV of 65% issued under LTV - Due Diligence Vendor-01/29/2026

Resolved-Issued under LTV - Due Diligence Vendor-01/29/2026

QM: Safe Harbor APOR (APOR SH)

XXXX

Primary Residence

Refinance

Cash Out - Other

N/A

7360685

XXXX

10101028

Closed

FCRE7810

2026-01-07 15:04

2026-01-20 12:47

Resolved

1 - Information

Credit

Title

Title issue

Resolved-Statement of Authority provided confirming the borrower is the trustee of the trust. - Due Diligence Vendor-01/20/2026
Counter-Received Statement of Authority.  Missing Trust of vested entity.   - Due Diligence Vendor-01/15/2026
Ready for Review-Document Uploaded. Per item 9 the Statement of Authority of record shows XXXX is the authorized to sign any document as Trustee of the Trust, copy provided. Please clear finding.  - Seller-01/14/2026
Open-Missing copy of trust documents for XXXX current vested per title to link to borrower. Additional conditions may apply.  - Due Diligence Vendor-01/07/2026

Ready for Review-Document Uploaded. Per item 9 the Statement of Authority of record shows XXXX is the authorized to sign any document as Trustee of the Trust, copy provided. Please clear finding. - Seller-01/14/2026

Resolved-Statement of Authority provided confirming the borrower is the trustee of the trust. - Due Diligence Vendor-01/20/2026

XXXX

QM: Safe Harbor APOR (APOR SH)

XXXX

Primary Residence

Refinance

Cash Out - Other

N/A

6967440

XXXX

10100982

QM: Safe Harbor APOR (APOR SH)

XXXX

Primary Residence

Purchase

XXXX

10101112

ATR/QM: Exempt

XXXX

Investment

Purchase

XXXX

10101030

Closed

FCRE0180

2026-01-08 16:31

2026-02-27 14:36

Resolved

1 - Information

Credit

Eligibility

State Specific requirements were not met for Notary or Witness Signatures on the Mortgage Document

Resolved-State notary requirements were met for XXXX county. - Due Diligence Vendor-01/26/2026
Ready for Review-Document Uploaded. this is not required please see recorded dot and clear.  - Seller-01/26/2026
Counter-Received duplicate copy of security instrument.  Missing witness signature.  Title to confirm acceptable as is.   - Due Diligence Vendor-01/23/2026
Ready for Review-Document Uploaded. please find the legal docs signed executed  - Seller-01/21/2026
Open-State Specific requirements were not met for Notary or Witness Signatures on the Mortgage Document.  Missing required witness signature(s) - Due Diligence Vendor-01/08/2026

Ready for Review-Document Uploaded. this is not required please see recorded dot and clear. - Seller-01/26/2026

Ready for Review-Document Uploaded. please find the legal docs signed executed - Seller-01/21/2026

Resolved-State notary requirements were met for XXXX county. - Due Diligence Vendor-01/26/2026

Qualifying DTI below maximum allowed - Required is 50 Borrower has 43.39

Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 664

XXXX

Non-QM: Lender documented all ATR UW factors

XXXX

Primary Residence

Refinance

Cash Out - Other

N/A

6993675

XXXX

10101030

Closed

FPRO1255

2026-01-08 10:05

2026-02-27 14:34

Resolved

1 - Information

Credit

Missing Doc - Credit

HOA Questionnaire Document is Missing

Resolved-The HOA Questionnaire addendum was provided and meets the special assessment guidelines. - Due Diligence Vendor-01/26/2026

Ready for Review-Document Uploaded. please find condo questionnaire addendum  - Seller-01/26/2026

Counter-Received HOA questionnaire.  #29 indicates special assessment but does not provide subject obligation.  - Due Diligence Vendor-01/23/2026

Ready for Review-Document Uploaded. condo q for review.  - Seller-01/21/2026

Open-Subject Property is part of an HOA but the HOA Questionnaire Document is Missing. Missing condo questionnaire only email on the some question pg 826 - Due Diligence Vendor-01/08/2026

Ready for Review-Document Uploaded. please find condo questionnaire addendum - Seller-01/26/2026

Ready for Review-Document Uploaded. condo q for review. - Seller-01/21/2026

Resolved-The HOA Questionnaire addendum was provided and meets the special assessment guidelines. - Due Diligence Vendor-01/26/2026

Qualifying DTI below maximum allowed - Required is 50 Borrower has 43.39

Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 664

XXXX

Non-QM: Lender documented all ATR UW factors

XXXX

Primary Residence

Refinance

Cash Out - Other

N/A

6982743

XXXX

10101030

Closed

FCRE1325

2026-01-08 16:53

2026-01-27 10:58

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 CPA Letter Missing

Resolved-Fixed expense factor was used per guidelines and the operating agreement was in file and XXXX  provided showing active. - Due Diligence Vendor-01/27/2026
Ready for Review-Document Uploaded. sorry please find business doc - Seller-01/26/2026
Counter-A copy of an articles of organization was provided for a different business not used for income. Unable to clear. - Due Diligence Vendor-01/26/2026
Ready for Review-Document Uploaded. proof of ownership with LLC  - Seller-01/26/2026
Counter-Received bank statement analysis.  Provide acceptable documentation supporting percentage of ownership, length of 30% expense factor. LOE received does not provide detail supporting seasonal deposits.   - Due Diligence Vendor-01/23/2026
Ready for Review-Document Uploaded. CPA letter is not required for guides, the income worksheet shows 30% expense factor and the LOE explains the seasonal income please clear.  - Seller-01/21/2026
Open-Borrower 1 CPA Letter Missing Missing a signed CPA letter on preparers letterhead providing the percentage of ownership the borrower has in the business, expense factor for the business and to comment if its typical for the business not to have any deposits or being paid 7 out of 12 months during the duration of the year. It must explain the tax prepares relationship to the business and provide their license # - Due Diligence Vendor-01/08/2026

Ready for Review-Document Uploaded. sorry please find business doc - Seller-01/26/2026

Ready for Review-Document Uploaded. proof of ownership with LLC - Seller-01/26/2026

Ready for Review-Document Uploaded. CPA letter is not required for guides, the income worksheet shows 30% expense factor and the LOE explains the seasonal income please clear. - Seller-01/21/2026

Resolved-Fixed expense factor was used per guidelines and the operating agreement was in file and XXXX provided showing active. - Due Diligence Vendor-01/27/2026

Qualifying DTI below maximum allowed - Required is 50 Borrower has 43.39

Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 664

XXXX

Non-QM: Lender documented all ATR UW factors

XXXX

Primary Residence

Refinance

Cash Out - Other

N/A

6994046

XXXX

10101030

Closed

FCRE9488

2026-01-08 17:21

2026-01-26 17:01

Resolved

1 - Information

Credit

Borrower

Potential Occupancy/Current Address Issues identified in the file

Resolved-Occupancy supported with utility bill in spouse's name. - Due Diligence Vendor-01/26/2026
Ready for Review-these bills are in the co borrower name, which satisfies the requirement please clear.  - Seller-01/26/2026
Counter-Received 1 month in another party name.  Original finding remains.   - Due Diligence Vendor-01/23/2026
Ready for Review-Document Uploaded. please find loe and bills.  - Seller-01/21/2026
Open-Missing copies of most recent 2 months cell phone, cable/satellite tv, or internet bills in borrowers personal name to support occupancy at XXXX - Due Diligence Vendor-01/08/2026

Ready for Review-these bills are in the co borrower name, which satisfies the requirement please clear. - Seller-01/26/2026

Ready for Review-Document Uploaded. please find loe and bills. - Seller-01/21/2026

Resolved-Occupancy supported with utility bill in spouse's name. - Due Diligence Vendor-01/26/2026

Qualifying DTI below maximum allowed - Required is 50 Borrower has 43.39

Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 664

XXXX

Non-QM: Lender documented all ATR UW factors

XXXX

Primary Residence

Refinance

Cash Out - Other

N/A

6994457

XXXX

10101030

Closed

FCRE1202

2026-01-08 10:24

2026-01-26 16:41

Resolved

1 - Information

Credit

Missing Doc

Third Party Fraud Report Partially Provided

Resolved-Third Party Fraud Report was provided. - Due Diligence Vendor-01/26/2026

Ready for Review-Document Uploaded. fraud report  - Seller-01/26/2026

Counter-Received Uniform Disclosure Statement.  Please provide complete fraud report.  - Due Diligence Vendor-01/23/2026

Ready for Review-Document Uploaded. please find the third party  - Seller-01/21/2026

Open-Third Party Fraud Report Partially Provided Provide all the pages to the Fraud report  - Due Diligence Vendor-01/08/2026

Ready for Review-Document Uploaded. fraud report - Seller-01/26/2026

Ready for Review-Document Uploaded. please find the third party - Seller-01/21/2026

Resolved-Third Party Fraud Report was provided. - Due Diligence Vendor-01/26/2026

Qualifying DTI below maximum allowed - Required is 50 Borrower has 43.39

Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 664

XXXX

Non-QM: Lender documented all ATR UW factors

XXXX

Primary Residence

Refinance

Cash Out - Other

N/A

6983502

XXXX

10101030

Closed

FCRE1148

2026-01-08 09:51

2026-01-23 08:52

Resolved

1 - Information

Credit

Title

Title Coverage is Less than Subject Lien(s) Total

Resolved-Received updated preliminary title reflecting sufficient coverage. - Due Diligence Vendor-01/23/2026

Ready for Review-Document Uploaded. prelim please clear. - Seller-01/21/2026

Open-Insufficient Title Coverage. Amount of coverage is less than Total Amount of Subject Lien(s). - Due Diligence Vendor-01/08/2026

Ready for Review-Document Uploaded. prelim please clear. - Seller-01/21/2026

Resolved-Received updated preliminary title reflecting sufficient coverage. - Due Diligence Vendor-01/23/2026

Qualifying DTI below maximum allowed - Required is 50 Borrower has 43.39

Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 664

XXXX

Non-QM: Lender documented all ATR UW factors

XXXX

Primary Residence

Refinance

Cash Out - Other

N/A

6981323

XXXX

10101030

Closed

finding-3634

2026-01-06 14:03

2026-01-22 07:59

Resolved

1 - Information

Compliance

TRID

Charges That Cannot Increase Test

Resolved-Received COC, finding resolved. - Due Diligence Vendor-01/22/2026
Ready for Review-Document Uploaded. transfer tax coc - Seller-01/21/2026
Open-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).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $4,941.00.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). ----- Zero (0%) tolerance fees increased by $66 (Transfer Taxes) without a valid COC in file. Final CD provided a $24 credit for increases in closing costs. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $42, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations - 3 Year(s); Expiration Date: XXXX - Due Diligence Vendor-01/06/2026

Ready for Review-Document Uploaded. transfer tax coc - Seller-01/21/2026

Resolved-Received COC, finding resolved. - Due Diligence Vendor-01/22/2026

Qualifying DTI below maximum allowed - Required is 50 Borrower has 43.39

Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 664

XXXX

Non-QM: Lender documented all ATR UW factors

XXXX

Primary Residence

Refinance

Cash Out - Other

N/A

6941273

XXXX

10026498

Closed

FCRE0104

2026-01-13 13:48

2026-01-13 13:51

Waived

2 - Non-Material

Credit

Eligibility

Prepayment Penalty is not allowed

Waived-Originator waiver applied to non material finding with comp factors. - Due Diligence Vendor-01/13/2026

LTV is less than guideline maximum - Maximum LTV allowed is 70% - actual LTV is 51.72%. Required is 70 Borrower has 51.72

Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO score allowed is 660 - actual FICO score 695. Required is 660 Borrower has 695

ATR/QM: Exempt

XXXX

Investment

Refinance

Cash Out - Other

Originator Post-Close

7070814

XXXX

10101021

Closed

FCRE1193

2026-01-12 16:41

2026-01-27 12:27

Resolved

1 - Information

Credit

Eligibility

Audited DTI Exceeds Guideline DTI

Resolved-After further review, the max DTI is 55%. - Due Diligence Vendor-01/27/2026
Ready for Review-The bonus should be $4333 rather than $4666.

By averaging the XXXX and XXXX, the DTI will jump to 50.4 and the borrower would still qualify for the program. please clear.

- Seller-01/26/2026
Open-Lender took 12 mos average of bonus income. Audit averaged bonus over YTD, XXXX and XXXX. Audit's bonus amount is lower - Due Diligence Vendor-01/12/2026

Ready for Review-The bonus should be $4333 rather than $4666.

By averaging the XXXX and XXXX, the DTI will jump to 50.4 and the borrower would still qualify for the program. please clear.

- Seller-01/26/2026

Resolved-After further review, the max DTI is 55%. - Due Diligence Vendor-01/27/2026

Verified employment history exceeds guidelines - 39 years on the job.

Long term residence - 21 years at residence

Non-QM: Lender documented all ATR UW factors

XXXX

Primary Residence

Refinance

Cash Out - Other

N/A

7050540

XXXX

10101021

Closed

FCRE1316

2026-01-12 11:29

2026-01-27 12:24

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 3rd Party VOE Prior to Close Missing

Resolved-VOE provided. - Due Diligence Vendor-01/27/2026
Counter-Received VOI dated XXXX reflecting borrower on leave.  Received processor cert confirming borrower no longer on leave. Missing leave dates.   - Due Diligence Vendor-01/26/2026
Ready for Review-Document Uploaded. please find the VOE, bwr was on leave but is not on leave anymore please clear.  - Seller-01/22/2026
Open-Borrower 1 3rd Party VOE Prior to Close Missing Missing a VVOE dated within 10 days of closing  (most recent paystub identified in file, but dated 11 days from closing) - Due Diligence Vendor-01/12/2026

Ready for Review-Document Uploaded. please find the VOE, bwr was on leave but is not on leave anymore please clear. - Seller-01/22/2026

Resolved-VOE provided. - Due Diligence Vendor-01/27/2026

Verified employment history exceeds guidelines - 39 years on the job.

Long term residence - 21 years at residence

XXXX

Non-QM: Lender documented all ATR UW factors

XXXX

Primary Residence

Refinance

Cash Out - Other

N/A

7043971

XXXX

10101021

Closed

FCRE1197

2026-01-12 13:46

2026-01-14 14:11

Waived

2 - Non-Material

Credit

Eligibility

Audited FICO is less than Guideline FICO

Waived-Originator exception granted, waiver applied with comp factors. Left as material since loan has a DTI issue - Due Diligence Vendor-01/12/2026

Open-Audited FICO of 662 is less than Guideline FICO of 680 Fico does not meet requirements -- Exception was identified in the file -- page 734 - Due Diligence Vendor-01/12/2026

Waived-Originator exception granted, waiver applied with comp factors. Left as material since loan has a DTI issue - Due Diligence Vendor-01/12/2026

Verified employment history exceeds guidelines - 39 years on the job.

Long term residence - 21 years at residence

XXXX

Non-QM: Lender documented all ATR UW factors

XXXX

Primary Residence

Refinance

Cash Out - Other

Originator Post-Close

Yes

7046995

XXXX

10101500

Closed

FCRE5782

2026-01-13 21:17

2026-01-28 17:46

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 Gap Credit Report is Missing

Resolved-Received Gap Report. - Due Diligence Vendor-01/28/2026

Ready for Review-Document Uploaded. please find the UDM - Seller-01/26/2026

Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-01/14/2026

Ready for Review-Document Uploaded. please find the UDM - Seller-01/26/2026

Resolved-Received Gap Report. - Due Diligence Vendor-01/28/2026

LTV is less than guideline maximum - LTV 67.31% is lower than maximum 80% Required is 80 Borrower has 67.31

Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 720 is higher than the required 620 Required is 620 Borrower has 720

XXXX

ATR/QM: Exempt

XXXX

Investment

Refinance

No Cash Out - Borrower Initiated

N/A

7077888

XXXX

10101102

Closed

FCRE1194

2026-01-13 17:20

2026-01-27 17:53

Resolved

1 - Information

Credit

Eligibility

Audited LTV Exceeds Guideline LTV

Resolved-Confirmed the borrower contributed 5% of his own funds. - Due Diligence Vendor-01/27/2026
Ready for Review-Document Uploaded. We structured this file as a gift of equity since it was from a family member. Our guidelines say that for a gift of equity, the max LTV is to be reduced 10% - which put us at 70% because the borrowers score qualified for max LTV of 80%, if the transaction were not a gift of equity. Please see  #5, states ‘as no cash down payment is made in a gift of equity transaction, the borrower must pay all closing costs (unless the LTV is 60% or less). Also wanted to mention the  borrower closing cost were XXXX

XXXX
- Seller-01/27/2026
Counter-Received LOE.  Review of guideline indicate 5% of borrower funds required.  Finding remains.  - Due Diligence Vendor-01/22/2026
Ready for Review-Document Uploaded. please find the following that allow 70% LTV  - Seller-01/20/2026
Open-Audited LTV of 70% exceeds Guideline LTV of 60% 10% reduction in LTV as Borrower did not have 5% own funds into transaction (XXXX) with using Gift of Equity and total funds required for closing of XXXX. Also, 10% reduction in LTV for non-arms length transaction. This reduces the max LTV from 80% to 60%. - Due Diligence Vendor-01/14/2026

Ready for Review-Document Uploaded. We structured this file as a gift of equity since it was from a family member. Our guidelines say that for a gift of equity, the max LTV is to be reduced 10% - which put us at 70% because the borrowers score qualified for max LTV of 80%, if the transaction were not a gift of equity. Please see #5, states ‘as no cash down payment is made in a gift of equity transaction, the borrower must pay all closing costs (unless the LTV is 60% or less). Also wanted to mention the borrower closing cost were $30452.89

XXXX
- Seller-01/27/2026
Ready for Review-Document Uploaded. please find the following that allow 70% LTV - Seller-01/20/2026

Resolved-Confirmed the borrower contributed 5% of his own funds. - Due Diligence Vendor-01/27/2026

Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 733

On time mortgage history exceeds guideline requirement - 47 months paid as agreed mortgage history

XXXX

ATR/QM: Exempt

XXXX

Investment

Purchase

N/A

7074957

XXXX

10101102

Closed

FCRE0969

2026-01-13 15:43

2026-01-14 12:24

Waived

2 - Non-Material

Credit

Closing

Prepayment Penalty Issue

Waived-Per XXXX a prepayment penalty may only be applied to corporations, C-Corp and S-Corp specifically. Under XXXX Law, a prepayment penalty is not permitted to be charged to an LLC.
Waiver applied to non-material finding. Loan closed in entity name. - Due Diligence Vendor-01/13/2026

ATR/QM: Exempt

XXXX

Investment

Purchase

Investor Post-Close

7073555

XXXX

10101110

Closed

FCRE1510

2026-01-15 09:56

2026-01-22 10:01

Resolved

1 - Information

Credit

Closing

Issues exist on the Mortgage Document (Deed of Trust)

Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-01/22/2026

Ready for Review-Document Uploaded. dot with legal - Seller-01/20/2026

Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing legal description - Due Diligence Vendor-01/15/2026

Ready for Review-Document Uploaded. dot with legal - Seller-01/20/2026

Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-01/22/2026

Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 752 is higher than the required 640 Required is 640 Borrower has 752

Months Reserves exceed minimum required - 40.32 months reserves exceed required 6 by 34.32 months

XXXX

ATR/QM: Exempt

XXXX

Investment

Refinance

Cash Out - Other

N/A

7109025

XXXX

10101518

Closed

FCRE1440

2026-01-16 07:52

2026-01-27 12:24

Resolved

1 - Information

Credit

Eligibility

Housing History Does Not Meet Guideline Requirements

Resolved-Housing history ratings must be obtained for the subject property and the borrower’s primary residence only. - Due Diligence Vendor-01/27/2026
Counter-Guidelines state for Private Party mortgages - Requires that the mortgage history be documented with twelve (12) months cancelled checks front and back. If paid by cashiers or postal checks, copies of the past twelve (12) months are required. Receipts for cash payments are generally not acceptable. - Due Diligence Vendor-01/22/2026
Ready for Review-Per guidelines ratings are required on all mortgages listed on the credit report along with primary and subject. The mortgage for the investment property in question is not shown in the credit report. Please clear finding. - Seller-01/21/2026
Open-Housing History Does Not Meet Guideline Requirements Property 3d is missing verification of mortgage payments from XXXX to XXXX. Additional stipulations may apply. - Due Diligence Vendor-01/16/2026

Ready for Review-Per guidelines ratings are required on all mortgages listed on the credit report along with primary and subject. The mortgage for the investment property in question is not shown in the credit report. Please clear finding. - Seller-01/21/2026

Resolved-Housing history ratings must be obtained for the subject property and the borrower’s primary residence only. - Due Diligence Vendor-01/27/2026

LTV is less than guideline maximum - Required is 80 Borrower has 72.97 Required is 80 Borrower has 72.97

Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 741 Required is 680 Borrower has 741

ATR/QM: Exempt

XXXX

Investment

Refinance

Cash Out - Other

N/A

7133598

XXXX

10101518

Closed

FCRE1334

2026-01-16 07:38

2026-01-22 18:32

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 Executed 4506-T/4506-C is Missing

Resolved-Received 4506-C - Due Diligence Vendor-01/22/2026

Ready for Review-Document Uploaded. Executed 4506C provided, please clear finding. - Seller-01/21/2026

Open-Borrower 1 Executed 4506-T/4506-C is Missing The 4506-C was not identified in the file. This is required as the loan is full doc and transcripts were present in the file. - Due Diligence Vendor-01/16/2026

Ready for Review-Document Uploaded. Executed 4506C provided, please clear finding. - Seller-01/21/2026

Resolved-Received 4506-C - Due Diligence Vendor-01/22/2026

XXXX

ATR/QM: Exempt

XXXX

Investment

Refinance

Cash Out - Other

N/A

7132979

XXXX

10101518

Closed

FCRE1437

2026-01-16 08:07

2026-01-22 18:32

Resolved

1 - Information

Credit

Income/Employment

Income and Employment Do Not Meet Guidelines

Resolved-Received 2 months bank statements showing the deposits. - Due Diligence Vendor-01/22/2026
Ready for Review-Document Uploaded. $1200 rent deposit from XXXX highlighted on both bank statements. Please clear finding. - Seller-01/21/2026
Open-Income and Employment Do Not Meet Guidelines Proof of receipt of $1,200 in rental income for 2 months for property 3c was not identified in the file. The loan is structured with these payments washing a portion of the mortgage debt for this property. Copies of the most recent 2 months receipt of $1,200 for this property are required to give the borrower credit for the rent payments. If the 2 months rent verification cannot be obtained additional stipulations may apply. - Due Diligence Vendor-01/16/2026

Ready for Review-Document Uploaded. $1200 rent deposit from XXXX highlighted on both bank statements. Please clear finding. - Seller-01/21/2026

Resolved-Received 2 months bank statements showing the deposits. - Due Diligence Vendor-01/22/2026

XXXX

ATR/QM: Exempt

XXXX

Investment

Refinance

Cash Out - Other

N/A

7133784

XXXX

10110814

ATR/QM: Exempt

XXXX

Investment

Refinance

Cash Out - Other

XXXX

10104472

ATR/QM: Exempt

XXXX

Investment

Purchase

XXXX

10110855

Closed

FCRE1254

2026-01-27 12:58

2026-02-10 09:33

Resolved

1 - Information

Credit

Title

Property Title Issue

Resolved-Document Uploaded. Email from title received from title confirming #12-#24-#26-#28 have been removed/cleared - Due Diligence Vendor-02/10/2026
Counter-Received duplicate preliminary Title with Marks on noted requirements. Missing Final Title confirming omitted or an email from Title confirming all noted issues have been addressed. Finding remains. - Due Diligence Vendor-02/05/2026
Ready for Review-Document Uploaded. See uploaded: In lieu of title supplement, title provided marked up prelim confirming items 12, 24, 26, & 28 will be removed from final title policy. - Seller-02/04/2026
Open-Property Title Issue The file does not contain any documentation to support that the following title requirements have been cleared:XXXX- Due Diligence Vendor-01/27/2026

Ready for Review-Document Uploaded. See uploaded: In lieu of title supplement, title provided marked up prelim confirming items 12, 24, 26, & 28 will be removed from final title policy. - Seller-02/04/2026

Resolved-Document Uploaded. Email from title received from title confirming #12-#24-#26-#28 have been removed/cleared - Due Diligence Vendor-02/10/2026

Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 716 Required is 680 Borrower has 716

LTV is less than guideline maximum - Required is 70 Borrower has 51.92 Required is 70 Borrower has 51.92

XXXX

ATR/QM: Exempt

XXXX

Investment

Refinance

Cash Out - Other

N/A

7315849

XXXX

10110855

Closed

FCRE0969

2026-01-27 13:30

2026-01-29 11:41

Waived

2 - Non-Material

Credit

Closing

Prepayment Penalty Issue

Waived-Originator waiver applied to non material finding with comp factors. - Due Diligence Vendor-01/27/2026

ATR/QM: Exempt

XXXX

Investment

Refinance

Cash Out - Other

Originator Post-Close

7316438

XXXX

10146803

ATR/QM: Exempt

XXXX

Investment

Refinance

Cash Out - Other

XXXX

10110697

ATR/QM: Exempt

XXXX

Investment

Purchase

XXXX

10099443

Closed

FCRE0969

2026-02-06 16:18

2026-02-06 16:54

Waived

2 - Non-Material

Credit

Closing

Prepayment Penalty Issue

Waived-Client waiver applied to non material finding with comp factors - Due Diligence Vendor-02/06/2026
Open-Per XXXX a prepayment penalty may only be applied to corporations, C-Corp and S-Corp specifically. Under XXXX Law a prepayment penalty is not permitted to be charged to and closed in an LLC. - Due Diligence Vendor-02/06/2026

Waived-Client waiver applied to non material finding with comp factors - Due Diligence Vendor-02/06/2026

LTV is less than guideline maximum - Required is 75 Borrower has 70

Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 785

ATR/QM: Exempt

XXXX

Investment

Refinance

Cash Out - Other

Investor Post-Close

7498922

XXXX

10104467

ATR/QM: Exempt

XXXX

Investment

Purchase

XXXX

10088637

ATR/QM: Exempt

XXXX

Investment

Purchase

XXXX

10088638

ATR/QM: Exempt

XXXX

Investment

Purchase

XXXX

10110847

Closed

FCRE1232

2026-02-06 12:19

2026-02-24 14:51

Waived

2 - Non-Material

Credit

Eligibility

Calculated DSCR does not meet the Minimum DSCR allowed

Waived-Originator provided a waiver for DSCR < 1.15, applied to non material finding with comp factors - Due Diligence Vendor-02/24/2026

Ready for Review-Document Uploaded. uploaded PC exception - Seller-02/20/2026

Open-The Calculated DSCR of '1.059' is less than the minimum DSCR per lender guidelines of '1.15'. Minimum DSCR required for ownership less than 6 months is 1.15. - Due Diligence Vendor-02/06/2026

Ready for Review-Document Uploaded. uploaded PC exception - Seller-02/20/2026

Waived-Originator provided a waiver for DSCR < 1.15, applied to non material finding with comp factors - Due Diligence Vendor-02/24/2026

Months Reserves exceed minimum required - 113.99 months PITIA reserves; 9 months reserves required.

Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 752 min score 700. Required is 700 Borrower has 752

Fico > 10 pts. Minimal consumer debt, PC Reserves

XXXX

ATR/QM: Exempt

XXXX

Investment

Refinance

Cash Out - Other

Originator Post-Close

7492537

XXXX

10110847

Closed

FCRE0108

2026-02-06 16:15

2026-02-10 09:24

Resolved

1 - Information

Credit

Insurance

XXXX Coverage not met

Resolved-Received insurance policy. - Due Diligence Vendor-02/10/2026
Ready for Review-Document Uploaded. uploaded master policy showing fidelity included - Seller-02/09/2026
Open-XXXX Coverage not met. - Due Diligence Vendor-02/06/2026

Ready for Review-Document Uploaded. uploaded master policy showing XXXX included - Seller-02/09/2026

Resolved-Received insurance policy. - Due Diligence Vendor-02/10/2026

XXXX

ATR/QM: Exempt

XXXX

Investment

Refinance

Cash Out - Other

N/A

7498816

XXXX

10110765

Closed

FCRE1440

2026-02-10 12:36

2026-03-11 14:08

Resolved

1 - Information

Credit

Eligibility

Housing History Does Not Meet Guideline Requirements

Resolved-Received missing payment history. - Due Diligence Vendor-03/11/2026
Ready for Review-Document Uploaded. Please see uploaded mortgage payments for XXXX Oct, Nov & Dec payments XXXX Dec payment. - Seller-03/09/2026
Open-Housing History Does Not Meet Guideline Requirements- Missing mortgage payment being made for Reo 3a XXXX payment, Reo 3c missing mortgage payment being made for 10/1 , 11/1 and 12/1 for XXXX. - Due Diligence Vendor-02/10/2026

Ready for Review-Document Uploaded. Please see uploaded mortgage payments for XXXX - Seller-03/09/2026

Resolved-Received missing payment history. - Due Diligence Vendor-03/11/2026

Qualifying DTI below maximum allowed - DTI 30.26% max 50%. Required is 50 Borrower has 30.26

Qualifying FICO score is at least 20 points above minimum for program - qualifying score 785 min score 700. Required is 680 Borrower has 785

XXXX

QM: Safe Harbor APOR (APOR SH)

XXXX

Primary Residence

Purchase

N/A

7541030

XXXX

10146800

ATR/QM: Exempt

XXXX

Investment

Purchase

XXXX

10151247

Closed

FCRE1241

2026-02-10 10:11

2026-02-18 14:20

Resolved

1 - Information

Credit

Missing Doc

Purchase Contract is Missing

Resolved-Client provided all pages to Sales Contract - Due Diligence Vendor-02/13/2026

Ready for Review-Document Uploaded. Supporting docs - Buyer-02/11/2026

Open-Missing fully executed Purchase agreement for subject, inclusive of all addendums & riders. Other findings may apply. - Due Diligence Vendor-02/11/2026

Resolved-Client provided all pages to Sales Contract - Due Diligence Vendor-02/13/2026

Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 757

LTV is less than guideline maximum - Required is 80 Borrower has 65

XXXX

ATR/QM: Exempt

XXXX

Investment

Purchase

N/A

7535938

XXXX

10151247

Closed

FCRE1198

2026-02-10 10:30

2026-02-13 07:51

Resolved

1 - Information

Credit

Eligibility

Audited Reserves are less than Guideline Required Reserves (Number of Months)

Resolved-Client provided XXXX which EMD Cleared in the amount of $3,000 check provided - Due Diligence Vendor-02/13/2026
Ready for Review-Document Uploaded. Supporting docs - Buyer-02/11/2026
Open-Audited Reserves of month(s) are less than Guideline Required Reserves of 3 month(s) Missing satisfactory documentation evidencing sufficient funds to meet minimum reserve requirements; including, but not limited to assets listed on borrower's final loan application and source of funds reflected on final Closing Disclosure. - Due Diligence Vendor-02/10/2026

Resolved-Client provided XXXX which EMD Cleared in the amount of $3,000 check provided - Due Diligence Vendor-02/13/2026

Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 757

LTV is less than guideline maximum - Required is 80 Borrower has 65

XXXX

ATR/QM: Exempt

XXXX

Investment

Purchase

N/A

7536457

XXXX

10151247

Closed

FCRE9501

2026-02-10 10:22

2026-02-13 07:51

Resolved

1 - Information

Credit

Assets

Total Qualified Assets Post-Close is Less than $0

Resolved-Client provided XXXX as well as copy of EMD which cleared on XXXX statement - Due Diligence Vendor-02/13/2026
Ready for Review-Document Uploaded. Supporting docs - Buyer-02/11/2026
Open-Total Qualified Assets Post-Close amount is 'XXXX'. Assets are Insufficient. Missing satisfactory documentation evidencing sufficient funds to meet minimum closing cost requirements; including, but not limited to assets listed on borrower's final loan application and source of funds reflected on final Closing Disclosure. Other findings may apply. - Due Diligence Vendor-02/10/2026

Resolved-Client provided XXXX as well as copy of EMD which cleared on XXXX statement - Due Diligence Vendor-02/13/2026

Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 757

LTV is less than guideline maximum - Required is 80 Borrower has 65

XXXX

ATR/QM: Exempt

XXXX

Investment

Purchase

N/A

7536259

XXXX

10151247

Closed

FCRE8701

2026-02-10 09:48

2026-02-13 07:45

Resolved

1 - Information

Credit

Borrower

Business Entity Formation Document is Missing

Resolved-Received Business Entity Formation Document. - Due Diligence Vendor-02/13/2026
Ready for Review-Document Uploaded. Supporting docs - Seller-02/11/2026
Open-The Business Entity Formation Document is Missing. Investor to review and approve all Entity documentation. Missing corporate documents, including, but not limited to Articles of Incorporation, Operating Agreement, Formation, Department of Corporations Active/Good Standing, Borrowing Certification, EIN for the following business: XXXX. Other findings may apply upon review of missing documents. - Due Diligence Vendor-02/10/2026

Ready for Review-Document Uploaded. Supporting docs - Seller-02/11/2026

Resolved-Received Business Entity Formation Document. - Due Diligence Vendor-02/13/2026

Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 757

LTV is less than guideline maximum - Required is 80 Borrower has 65

XXXX

ATR/QM: Exempt

XXXX

Investment

Purchase

N/A

7535348

XXXX

10151247

Closed

FCRE0112

2026-02-10 10:27

2026-02-13 07:41

Resolved

1 - Information

Credit

Eligibility

Approval/Underwriting Summary Not Provided_3

Resolved-Client provided 1008 - Due Diligence Vendor-02/13/2026

Ready for Review-Document Uploaded. Supporting docs - Buyer-02/11/2026

Open-Approval/Underwriting Summary Not Provided. Missing lender required copy of the final loan approval or 1008. - Due Diligence Vendor-02/10/2026

Resolved-Client provided 1008 - Due Diligence Vendor-02/13/2026

Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 757

LTV is less than guideline maximum - Required is 80 Borrower has 65

XXXX

ATR/QM: Exempt

XXXX

Investment

Purchase

N/A

7536342

XXXX

10151247

Closed

FCRE0043

2026-02-10 10:27

2026-02-13 07:40

Resolved

1 - Information

Credit

Missing Doc

DSCR Calculation Missing

Resolved-Client provided DSCR Calculation, matches - Due Diligence Vendor-02/13/2026

Ready for Review-Document Uploaded. DSCR - Buyer-02/11/2026

Open-The DSCR Calculation from lender is Missing. Missing lender's DSCR Calculation Worksheet or 1008 showing calculation. - Due Diligence Vendor-02/10/2026

Resolved-Client provided DSCR Calculation, matches - Due Diligence Vendor-02/13/2026

Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 757

LTV is less than guideline maximum - Required is 80 Borrower has 65

XXXX

ATR/QM: Exempt

XXXX

Investment

Purchase

N/A

7536341

XXXX

10151247

Closed

FCRE0969

2026-02-10 08:52

2026-02-11 11:51

Waived

2 - Non-Material

Credit

Closing

Prepayment Penalty Issue

Waived-Per XXXX a prepayment penalty is not permitted to be charged to an LLC. Waiver applied to non-material finding. Loan closed in entity name. - Due Diligence Vendor-02/11/2026

Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 757

LTV is less than guideline maximum - Required is 80 Borrower has 65

ATR/QM: Exempt

XXXX

Investment

Purchase

Investor Post-Close

7534152

XXXX

10110701

ATR/QM: Exempt

XXXX

Investment

Refinance

Cash Out - Other

XXXX

10156813

Closed

FCRE1509

2026-02-19 16:59

2026-02-26 16:43

Resolved

1 - Information

Credit

Closing

Issues exist on the Note Document

Resolved-Client provide PP Addendum - Due Diligence Vendor-02/24/2026

Ready for Review-Document Uploaded. Supporting Document - Buyer-02/20/2026

Open-There are Issues Present on the Note that must be addressed. The final CD reflects the loan has a PPP; however a PPP addendum to the note was not in file. - Due Diligence Vendor-02/19/2026

Resolved-Client provide PP Addendum - Due Diligence Vendor-02/24/2026

Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 730 Required is 700 Borrower has 730

LTV is less than guideline maximum - Required is 80 Borrower has 75 Required is 80 Borrower has 75

DSCR =/> 1.00 and minimum is 0.85 or Less - Required is 0.8 Borrower has 1.486 Required is 0.8 Borrower has 1.486

XXXX

ATR/QM: Exempt

XXXX

Investment

Purchase

N/A

7708291

XXXX

10156813

Closed

FCRE0043

2026-02-13 17:08

2026-02-18 16:26

Resolved

1 - Information

Credit

Missing Doc

DSCR Calculation Missing

Resolved-DSCR calculation provided. - Due Diligence Vendor-02/18/2026

Ready for Review-Document Uploaded. Supporting Document - Buyer-02/18/2026

Open-The DSCR Calculation from lender is Missing. The DSCR Calculation from lender is Missing - Due Diligence Vendor-02/13/2026

Resolved-DSCR calculation provided. - Due Diligence Vendor-02/18/2026

XXXX

ATR/QM: Exempt

XXXX

Investment

Purchase

N/A

7619201

XXXX

10156813

Closed

FCRE0070

2026-02-13 17:12

2026-02-18 16:25

Resolved

1 - Information

Credit

Missing Doc

Approval/Underwriting Summary Not Provided (3)

Resolved-1008 provided. - Due Diligence Vendor-02/18/2026

Ready for Review-Document Uploaded. Supporting Document - Seller-02/18/2026

Open-Missing Approval/Underwriting Summary - Due Diligence Vendor-02/13/2026

Ready for Review-Document Uploaded. Supporting Document - Seller-02/18/2026

Resolved-1008 provided. - Due Diligence Vendor-02/18/2026

XXXX

ATR/QM: Exempt

XXXX

Investment

Purchase

N/A

7619282

XXXX

10156813

Closed

FCRE0112

2026-02-13 17:08

2026-02-18 16:25

Resolved

1 - Information

Credit

Eligibility

Approval/Underwriting Summary Not Provided_3

Resolved-1008 provided. - Due Diligence Vendor-02/18/2026

Ready for Review-Document Uploaded. Supporting Document - Seller-02/18/2026

Open-Approval/Underwriting Summary Not Provided. - Due Diligence Vendor-02/13/2026

Ready for Review-Document Uploaded. Supporting Document - Seller-02/18/2026

Resolved-1008 provided. - Due Diligence Vendor-02/18/2026

XXXX

ATR/QM: Exempt

XXXX

Investment

Purchase

N/A

7619203

XXXX

10156813

Closed

FCRE0197

2026-02-13 17:08

2026-02-18 16:24

Resolved

1 - Information

Credit

Eligibility

The Final SELLER CD/HUD is missing

Resolved-Seller CD provided. - Due Diligence Vendor-02/18/2026

Ready for Review-Document Uploaded. Supporting Document - Seller-02/18/2026

Open-The Final SELLER CD/HUD is missing. - Due Diligence Vendor-02/13/2026

Ready for Review-Document Uploaded. Supporting Document - Seller-02/18/2026

Resolved-Seller CD provided. - Due Diligence Vendor-02/18/2026

XXXX

ATR/QM: Exempt

XXXX

Investment

Purchase

N/A

7619204

XXXX

10156813

Closed

FCRE0109

2026-02-13 17:08

2026-02-18 16:22

Resolved

1 - Information

Credit

Eligibility

Missing Disclosure - Patriot Act Borrower Identification Form

Resolved-Patriot act disclosure provided. - Due Diligence Vendor-02/18/2026

Ready for Review-Document Uploaded. Supporting Document - Seller-02/18/2026

Open-Missing Disclosure - Patriot Act Borrower Identification Form. - Due Diligence Vendor-02/13/2026

Ready for Review-Document Uploaded. Supporting Document - Seller-02/18/2026

Resolved-Patriot act disclosure provided. - Due Diligence Vendor-02/18/2026

XXXX

ATR/QM: Exempt

XXXX

Investment

Purchase

N/A

7619202

XXXX

10156813

Closed

FCRE8700

2026-02-13 15:19

2026-02-18 16:22

Resolved

1 - Information

Credit

Missing Doc - Credit

Missing EIN Number for Business Entity

Resolved-After further review, the loan did not close vested in an entity. - Due Diligence Vendor-02/18/2026

Open-Business Entity EIN value is invalid (Field value is ''). EIN not in file - Due Diligence Vendor-02/13/2026

Resolved-After further review, the loan did not close vested in an entity. - Due Diligence Vendor-02/18/2026

ATR/QM: Exempt

XXXX

Investment

Purchase

N/A

7617019

XXXX

10110815

Closed

FCRE1194

2026-02-17 11:26

2026-03-05 14:02

Resolved

1 - Information

Credit

Eligibility

Audited LTV Exceeds Guideline LTV

Resolved-Received documentation to support the use of actual in place rents. Audited LTV of 79% is less than or equal to Guideline LTV of 80% - Due Diligence Vendor-03/05/2026
Ready for Review-Document Uploaded. $5k deposit from XXXX.
This will allow us to DSCR above 1.0 and remain at 79% LTV - Seller-03/03/2026
Open-Audited LTV of 79% exceeds Guideline LTV of 75% DSCR less than 1.00 max LTV 75%. - Due Diligence Vendor-02/17/2026

Ready for Review-Document Uploaded. $5k deposit from XXXX.
This will allow us to DSCR above 1.0 and remain at 79% LTV - Seller-03/03/2026

Resolved-Received documentation to support the use of actual in place rents. Audited LTV of 79% is less than or equal to Guideline LTV of 80% - Due Diligence Vendor-03/05/2026

On time mortgage history exceeds guideline requirement - 0x30 on time mortgage history on all properties.

DSCR =/> 1.00 and minimum is 0.85 or Less - Required is 0.75 Borrower has 1.025 .

Months Reserves exceed minimum required - 0.46 months PITIA reserves; 0 months reserves required.

XXXX

ATR/QM: Exempt

XXXX

Investment

Refinance

No Cash Out - Borrower Initiated

N/A

7656749

XXXX

10110815

Closed

FCRE0969

2026-02-17 10:09

2026-02-18 13:57

Waived

2 - Non-Material

Credit

Closing

Prepayment Penalty Issue

Waived-Per XXXX, a prepayment penalty is not permitted to be charged to an LLC.
Waiver applied to non-material finding. Loan closed in entity name. . - Due Diligence Vendor-02/18/2026

ATR/QM: Exempt

XXXX

Investment

Refinance

No Cash Out - Borrower Initiated

Investor Post-Close

7652816

XXXX

10110819

ATR/QM: Exempt

XXXX

Investment

Purchase

XXXX

10085642

ATR/QM: Exempt

XXXX

Investment

Refinance

Cash Out - Other

XXXX

10151245

Closed

FCRE1440

2026-02-19 13:18

2026-03-02 14:25

Resolved

1 - Information

Credit

Eligibility

Housing History Does Not Meet Guideline Requirements

Resolved-Received previous and current property profile reflecting owning free and clear. - Due Diligence Vendor-03/02/2026
Ready for Review-Document Uploaded. On page 2 of the report, XXXX. - Seller-02/27/2026
Counter-Property Profiie for XXXX free and clear - Due Diligence Vendor-02/27/2026
Ready for Review-Document Uploaded. See attached. - Buyer-02/26/2026
Counter-Received property profile for previous residence. Missing validation XXXX is owned free and clear - Due Diligence Vendor-02/25/2026
Ready for Review-Document Uploaded. The borrower owns XXXX free and clear; therefore, there is no associated mortgage or payment history in the last 6 months of residence.

According to the property profile report for XXXX, the borrower previously maintained a line of credit which was opened on XXXX. The payment history for this account is reflected on the credit report under account number XXXX. - Buyer-02/25/2026
Counter-Per GL 5.5.4 evidence borrower has made housing payment for at least the last 12 months. DSCR is to verify primary and subject if refi. Since this is a purchase, primary housing payments need to be verified. XXXX provide a profile report for a previous property owned by borrower, XXXX but does not include payment history - Due Diligence Vendor-02/25/2026
Ready for Review-Document Uploaded. Please see property profile attached. - Seller-02/23/2026
Open-Housing History Does Not Meet Guideline Requirements Missing documentation which evidences most recent 12 months primary housing expense payment for a Fiirst Time Investor. Loan application reflects borrower owning current residence for 6 months and prior residence 1.67 years. Credit shows most recent mortgage history as of XXXX. Other findings may apply. - Due Diligence Vendor-02/19/2026

Ready for Review-Document Uploaded. On page 2 of the report, XXXX - Seller-02/27/2026
Ready for Review-Document Uploaded. Please see property profile attached. - Seller-02/23/2026

Resolved-Received previous and current property profile reflecting owning free and clear. - Due Diligence Vendor-03/02/2026

Months Reserves exceed minimum required - Reserves: 29 Min 12

LTV is less than guideline maximum - Required is 75 Borrower has 67.2

Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 803

XXXX

ATR/QM: Exempt

XXXX

Investment

Purchase

N/A

7703347

XXXX

10151245

Closed

FCRE0043

2026-02-19 13:29

2026-02-25 09:11

Resolved

1 - Information

Credit

Missing Doc

DSCR Calculation Missing

Resolved-DSCR Calculation was located. - Due Diligence Vendor-02/25/2026

Ready for Review-Document Uploaded. Supporting Document - Buyer-02/24/2026

Open-The DSCR Calculation from lender is Missing. Missing lender's DSCR Calculation Worksheet or 1008 showing calculation. - Due Diligence Vendor-02/19/2026

Resolved-DSCR Calculation was located. - Due Diligence Vendor-02/25/2026

XXXX

ATR/QM: Exempt

XXXX

Investment

Purchase

N/A

7703634

XXXX

10110901

Closed

FCRE1440

2026-02-19 08:45

2026-03-02 13:11

Resolved

1 - Information

Credit

Eligibility

Housing History Does Not Meet Guideline Requirements

Resolved-Received private party VOR and payment history.   - Due Diligence Vendor-03/02/2026

Ready for Review-Document Uploaded. Primary VOR attached - Seller-02/27/2026

Counter-Received cancelled checks. Missing lease on primary to confirm payment amount and terms.  - Due Diligence Vendor-02/25/2026

Ready for Review-Document Uploaded. see attached verification of rent for primary residence- 12 mo rental checks - Seller-02/24/2026

Open-Housing History Does Not Meet Guideline Requirements Lender to provide verification of rent for the primary residence.  - Due Diligence Vendor-02/19/2026

Ready for Review-Document Uploaded. Primary VOR attached - Seller-02/27/2026

Ready for Review-Document Uploaded. see attached verification of rent for primary residence- 12 mo rental checks - Seller-02/24/2026

Resolved-Received private party VOR and payment history. - Due Diligence Vendor-03/02/2026

Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 809 Required is 660 Borrower has 809

LTV is less than guideline maximum - Required is 75 Borrower has 70 Required is 75 Borrower has 70

XXXX

ATR/QM: Exempt

XXXX

Investment

Refinance

Cash Out - Other

N/A

7695405

XXXX

10110693

Closed

FCRE0104

2026-06-02 08:25

2026-06-02 08:26

Waived

2 - Non-Material

Credit

Eligibility

Prepayment Penalty is not allowed

Waived-Waiver applied to non-material finding. Loan closed in entity name.
- Due Diligence Vendor-06/02/2026
Open-Per XXXX, a prepayment penalty is not permitted to be charged to an LLC. - Due Diligence Vendor-06/02/2026

Waived-Waiver applied to non-material finding. Loan closed in entity name.
- Due Diligence Vendor-06/02/2026

Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 752

On time mortgage history exceeds guideline requirement - Borrower has 0x30x33 months, guides allow a maximum of 1x30x12 months.

ATR/QM: Exempt

XXXX

Investment

Purchase

Investor Post-Close

9500614

XXXX

10110693

Closed

FCRE8887

2026-02-20 17:41

2026-02-26 14:23

Resolved

1 - Information

Credit

Missing Doc

Missing or Incomplete 1003

Resolved-Upon further review 7.2 states housing history for primary and subject if applicable only on DSCR - Due Diligence Vendor-02/26/2026

Ready for Review-Document Uploaded. Supporting Document - Buyer-02/24/2026

Open-Loan application does not contain all REO properties owned. DSCR loans, the application should otherwise be fully completed including the Schedule of Real Estate Owned listing all properties owned and reflective of any associated mortgages (including private mortgages). Subject to additional conditions. - Due Diligence Vendor-02/20/2026

Resolved-Upon further review 7.2 states housing history for primary and subject if applicable only on DSCR - Due Diligence Vendor-02/26/2026

XXXX

ATR/QM: Exempt

XXXX

Investment

Purchase

N/A

7731796

XXXX

10110693

Closed

FCRE1201

2026-02-20 16:16

2026-02-26 14:10

Resolved

1 - Information

Credit

Missing Doc

Third Party Fraud Report not Provided

Resolved-Client provided Fraud Report - Due Diligence Vendor-02/26/2026

Ready for Review-Document Uploaded. Supporting Document - Buyer-02/26/2026

Open-Missing Third Party Fraud Report Missing from loan file - Due Diligence Vendor-02/20/2026

Resolved-Client provided Fraud Report - Due Diligence Vendor-02/26/2026

XXXX

ATR/QM: Exempt

XXXX

Investment

Purchase

N/A

7730087

XXXX

10110694

Closed

FCRE0104

2026-06-02 08:28

Waived

2 - Non-Material

Credit

Eligibility

Prepayment Penalty is not allowed

Waived-Waiver applied to non-material finding. Loan closed in entity name.
- Due Diligence Vendor-06/02/2026

ATR/QM: Exempt

XXXX

Investment

Purchase

Investor Post-Close

9500662

XXXX

10110694

Closed

FCRE1198

2026-02-20 14:52

2026-03-02 14:49

Resolved

1 - Information

Credit

Eligibility

Audited Reserves are less than Guideline Required Reserves (Number of Months)

Resolved-Received bank accounts and proof of 100% ownership. - Due Diligence Vendor-03/02/2026

Ready for Review-Document Uploaded. Supporting Documents - Seller-02/27/2026

Counter-Received 2 business bank statements reflecting different LLCs. Provide corresponding Operating Agreement confirming borrower has 100% access. - Due Diligence Vendor-02/26/2026

Ready for Review-Document Uploaded. Supporting Documents - Seller-02/24/2026

Open-Audited Reserves of 2.77 month(s) are less than Guideline Required Reserves of 3 month(s) The loan file is missing bank statements to verify the required reserves. - Due Diligence Vendor-02/20/2026

Ready for Review-Document Uploaded. Supporting Documents - Seller-02/27/2026

Ready for Review-Document Uploaded. Supporting Documents - Seller-02/24/2026

Resolved-Received bank accounts and proof of 100% ownership. - Due Diligence Vendor-03/02/2026

XXXX

ATR/QM: Exempt

XXXX

Investment

Purchase

N/A

7728374

XXXX

10110694

Closed

FCRE1479

2026-02-20 14:38

2026-03-02 14:48

Resolved

1 - Information

Credit

Assets

Asset 1 Does Not Meet Guideline Requirements

Resolved-Asset Record 1 Meets G/L Requirements - Due Diligence Vendor-03/02/2026

Ready for Review-Document Uploaded. Supporting Documents - Buyer-02/27/2026

Counter-Received 2 business bank statements reflecting different LLCs.  Provide corresponding Operating Agreement confirming borrower has 100% access.   - Due Diligence Vendor-02/26/2026

Ready for Review-Document Uploaded. Supporting Documents - Buyer-02/24/2026

Open-Asset Record 1 Does Not Meet G/L Requirements The loan file is missing bank statements to verify assets for closing. The loan application states:
Specify REO sales with remaining funds held by title company $93,000. However, the loan file contains no documentation verifying the $93,000 for this transaction.  - Due Diligence Vendor-02/20/2026

Resolved-Asset Record 1 Meets G/L Requirements - Due Diligence Vendor-03/02/2026

XXXX

ATR/QM: Exempt

XXXX

Investment

Purchase

N/A

7728118

XXXX

10110694

Closed

FCRE8887

2026-02-20 17:39

2026-02-26 14:26

Resolved

1 - Information

Credit

Missing Doc

Missing or Incomplete 1003

Resolved-Upon further review, per GL 7.2 housing history only for Subject and Primary if applicable - Due Diligence Vendor-02/26/2026

Ready for Review-Document Uploaded. Supporting Document - Buyer-02/24/2026

Open-Loan application does not contain all REO properties owned. DSCR loans, the application should otherwise be fully completed including the Schedule of Real Estate Owned listing all properties owned and reflective of any associated mortgages (including private mortgages). Subject to additional conditions. - Due Diligence Vendor-02/20/2026

Resolved-Upon further review, per GL 7.2 housing history only for Subject and Primary if applicable - Due Diligence Vendor-02/26/2026

XXXX

ATR/QM: Exempt

XXXX

Investment

Purchase

N/A

7731787

XXXX

10110695

Closed

FCRE0104

2026-06-02 08:30

2026-06-02 08:31

Waived

2 - Non-Material

Credit

Eligibility

Prepayment Penalty is not allowed

Waived-Waiver applied to non-material finding. Loan closed in entity name.
- Due Diligence Vendor-06/02/2026

Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 752

Months Reserves exceed minimum required - Min 3, actual 67.64

ATR/QM: Exempt

XXXX

Investment

Purchase

Investor Post-Close

9500676

XXXX

10110695

Closed

FCRE1480

2026-02-20 17:13

2026-03-02 14:45

Resolved

1 - Information

Credit

Assets

Asset 2 Does Not Meet Guideline Requirements

Resolved-Received Operating Agreement confirming 100% ownership - Due Diligence Vendor-03/02/2026
Ready for Review-Document Uploaded. Supporting Document - Buyer-02/27/2026
Counter-Operating Agreement uploaded is for different LLC (XXXX) than LLC on Bank Statements (XXXX). Please provide Op Agreement showing 100% Ownership for XXXX - Due Diligence Vendor-02/27/2026
Ready for Review-Document Uploaded. Supporting Document - Buyer-02/26/2026
Open-Asset Record 2 Does Not Meet G/L Requirements Please provide Operating agreement showing borrower is 100% owner of LLC reflected on the bank statement. - Due Diligence Vendor-02/20/2026

Resolved-Received Operating Agreement confirming 100% ownership - Due Diligence Vendor-03/02/2026

Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 752

Months Reserves exceed minimum required - Min 3, actual 67.64

XXXX

ATR/QM: Exempt

XXXX

Investment

Purchase

N/A

7731383

XXXX

10110695

Closed

FCRE8887

2026-02-20 16:45

2026-02-26 14:58

Resolved

1 - Information

Credit

Missing Doc

Missing or Incomplete 1003

Resolved-After further review, 1003 is complete. - Due Diligence Vendor-02/26/2026

Ready for Review-Document Uploaded. Supporting Document - Buyer-02/24/2026

Open-Loan application does not contain all REO properties owned. DSCR loans, the application should otherwise be fully completed including the Schedule of Real Estate Owned listing all properties owned and reflective of any associated mortgages (including private mortgages). Subject to additional conditions. - Due Diligence Vendor-02/20/2026

Resolved-After further review, 1003 is complete. - Due Diligence Vendor-02/26/2026

Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 752

Months Reserves exceed minimum required - Min 3, actual 67.64

XXXX

ATR/QM: Exempt

XXXX

Investment

Purchase

N/A

7730885

XXXX

10110704

Closed

FCRE8887

2026-02-20 16:36

2026-02-24 09:13

Resolved

1 - Information

Credit

Missing Doc

Missing or Incomplete 1003

Resolved-Updated 1003 provided. - Due Diligence Vendor-02/24/2026

Ready for Review-Document Uploaded. Supporting Document - Buyer-02/23/2026

Open-Loan application does not contain all REO properties owned. DSCR loans, the application should otherwise be fully completed including the Schedule of Real Estate Owned listing all properties owned and reflective of any associated mortgages (including private mortgages). Subject to additional conditions. - Due Diligence Vendor-02/20/2026

Resolved-Updated 1003 provided. - Due Diligence Vendor-02/24/2026

Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 752

Months Reserves exceed minimum required - Min 3, actual 120.64

XXXX

ATR/QM: Exempt

XXXX

Investment

Purchase

N/A

7730772

XXXX

10110704

Closed

FCRE0104

2026-02-20 16:41

2026-02-20 16:42

Waived

2 - Non-Material

Credit

Eligibility

Prepayment Penalty is not allowed

Waived-Waiver applied to non-material finding. Loan closed in entity name. - Due Diligence Vendor-02/20/2026
Open-Per XXXX a prepayment penalty is not permitted to be charged to an LLC - Due Diligence Vendor-02/20/2026

Waived-Waiver applied to non-material finding. Loan closed in entity name. - Due Diligence Vendor-02/20/2026

Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 752

Months Reserves exceed minimum required - Min 3, actual 120.64

ATR/QM: Exempt

XXXX

Investment

Purchase

Investor Post-Close

7730833

XXXX

10110845

ATR/QM: Exempt

XXXX

Investment

Refinance

No Cash Out - Borrower Initiated

XXXX

10146808

ATR/QM: Exempt

XXXX

Investment

Purchase

XXXX

10146807

Closed

FCRE5790

2026-02-26 13:07

2026-03-03 13:13

Resolved

1 - Information

Credit

Closing

Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date)

Resolved-Received Borrower 1 Gap Credit Report - Due Diligence Vendor-03/03/2026
Ready for Review-Document Uploaded. UDX FOR UNDISCLOSED DEBT VERIFICATION - Buyer-02/27/2026
Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). Risk report reflects UDN performed thru XXXX. Missing a credit refresh/gap report or evidence of credit monitoring within 10 days of the note date. - Due Diligence Vendor-02/26/2026

Resolved-Received Borrower 1 Gap Credit Report - Due Diligence Vendor-03/03/2026

Qualifying DTI below maximum allowed - Required is 50 Borrower has 34.35

LTV is less than guideline maximum - Required is 80 Borrower has 66.67

Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 752

XXXX

ATR/QM: Exempt

XXXX

Investment

Refinance

Cash Out - Other

N/A

7826626

XXXX

10146807

Closed

FCRE5791

2026-02-26 13:07

2026-03-03 13:13

Resolved

1 - Information

Credit

Closing

Borrower 2 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date)

Resolved-Received Borrower 2 Gap Credit Report - Due Diligence Vendor-03/03/2026

Ready for Review-Document Uploaded. UDX FOR UNDISCLOSED DEBT VERIFICATION - Seller-02/27/2026

Open-Borrower 2 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). Risk report reflects UDN performed thru 2/2/2026. Missing a credit refresh/gap report or evidence of credit monitoring within 10 days of the note date. - Due Diligence Vendor-02/26/2026

Ready for Review-Document Uploaded. UDX FOR UNDISCLOSED DEBT VERIFICATION - Seller-02/27/2026

Resolved-Received Borrower 2 Gap Credit Report - Due Diligence Vendor-03/03/2026

XXXX

ATR/QM: Exempt

XXXX

Investment

Refinance

Cash Out - Other

N/A

7826627

XXXX

10146807

Closed

FCRE0044

2026-02-25 13:47

2026-03-02 13:47

Resolved

1 - Information

Credit

Eligibility

File does not contain LOX for credit inquiries

Resolved-Received LOE. - Due Diligence Vendor-03/02/2026

Ready for Review-Document Uploaded. Signed credit letter inquiry addressing inquiries - Buyer-02/26/2026

Open-LOX for credit inquiries is missing. Missing credit inquiry letter. (doc in file doesn't address inquiry from credit report). - Due Diligence Vendor-02/25/2026

Resolved-Received LOE. - Due Diligence Vendor-03/02/2026

XXXX

ATR/QM: Exempt

XXXX

Investment

Refinance

Cash Out - Other

N/A

7806130

XXXX

10146807

Closed

FCRE1324

2026-02-25 13:32

2026-02-27 17:19

Resolved

1 - Information

Credit

Income/Employment

Borrower 1 Tax Returns Not Signed

Resolved-Signed tax returns not required with a 4506 - Due Diligence Vendor-02/27/2026
Open-Borrower 1 Tax Returns Not Signed Borrower 1 Tax Returns for XXXX and XXXX Not Signed - Due Diligence Vendor-02/25/2026

Resolved-Signed tax returns not required with a 4506 - Due Diligence Vendor-02/27/2026

ATR/QM: Exempt

XXXX

Investment

Refinance

Cash Out - Other

N/A

7805071

XXXX

10146807

Closed

FCRE1354

2026-02-25 13:32

2026-02-27 17:19

Resolved

1 - Information

Credit

Income/Employment

Borrower 2 Tax Returns Not Signed

Resolved-Signed tax returns not required with a 4506 - Due Diligence Vendor-02/27/2026
Open-Borrower 2 Tax Returns Not Signed Borrower 2 Tax Returns for XXXX and XXXX Not Signed - Due Diligence Vendor-02/25/2026

Resolved-Signed tax returns not required with a 4506 - Due Diligence Vendor-02/27/2026

ATR/QM: Exempt

XXXX

Investment

Refinance

Cash Out - Other

N/A

7805072

XXXX

10104477

Closed

FPRO1255

2026-02-27 20:02

2026-03-04 16:18

Resolved

1 - Information

Credit

Missing Doc - Credit

HOA Questionnaire Document is Missing

Resolved-Received HOA Questionnaire - Due Diligence Vendor-03/04/2026

Ready for Review-Document Uploaded. Supporting Document - Buyer-03/03/2026

Open-Subject Property is part of an HOA but the HOA Questionnaire Document is Missing. Missing project questionnaire - Due Diligence Vendor-02/28/2026

Resolved-Received HOA Questionnaire - Due Diligence Vendor-03/04/2026

Months Reserves exceed minimum required - Reserves: 43 Min 3

Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 765

XXXX

ATR/QM: Exempt

XXXX

Investment

Purchase

N/A

7854054

XXXX

10156806

Closed

FCRE5790

2026-03-02 08:22

2026-03-05 13:54

Resolved

1 - Information

Credit

Closing

Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date)

Resolved-Received Borrower 1 Gap Credit Report with no new inquiries. - Due Diligence Vendor-03/05/2026
Ready for Review-Document Uploaded. Supporting Document - Buyer-03/03/2026
Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). Gap Credit dated XXXX. - Due Diligence Vendor-03/02/2026

Resolved-Received Borrower 1 Gap Credit Report with no new inquiries. - Due Diligence Vendor-03/05/2026

Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 821 Required is 680 Borrower has 821

LTV is less than guideline maximum - Required is 80 Borrower has 75 Required is 80 Borrower has 75

Qualifying DTI below maximum allowed - Required is 50 Borrower has 20.41 Required is 50 Borrower has 20.41

XXXX

ATR/QM: Exempt

XXXX

Investment

Purchase

N/A

7868961

XXXX

10162210

Closed

FCRE3653

2026-03-03 12:29

2026-03-04 16:39

Resolved

1 - Information

Credit

Missing Doc

Missing letter of explanation

Resolved-Upon further review, LOE is not required. Tax preparer verification in the loan file is sufficient. - Due Diligence Vendor-03/04/2026

Ready for Review-Document Uploaded. Supporting Document - Buyer-03/03/2026

Open-Per guides, PTIN's are not allowed unless working for a third-party firm. Tax preparer letter in file from a self-employed individual with a PTIN license. However, a search of borrower's license in file reflects they have a CTEC license. Lender to provide explanation for discrepancy in tax preparer's license on the letter. - Due Diligence Vendor-03/03/2026

Resolved-Upon further review, LOE is not required. Tax preparer verification in the loan file is sufficient. - Due Diligence Vendor-03/04/2026

Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 748

LTV is less than guideline maximum - Required is 80 Borrower has 60

Qualifying DTI below maximum allowed - Required is 50 Borrower has 20.72

XXXX

ATR/QM: Exempt

XXXX

Investment

Refinance

Cash Out - Other

N/A

7899522

XXXX

10162210

Closed

FCRE1510

2026-02-27 15:21

2026-03-04 16:34

Resolved

1 - Information

Credit

Closing

Issues exist on the Mortgage Document (Deed of Trust)

Resolved-received Exhibit A with the DOT - Due Diligence Vendor-03/04/2026

Ready for Review-Document Uploaded. Supporting Document - Buyer-03/03/2026

Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Exhibit A is not with the DOT - Due Diligence Vendor-02/27/2026

Resolved-received Exhibit A with the DOT - Due Diligence Vendor-03/04/2026

XXXX

ATR/QM: Exempt

XXXX

Investment

Refinance

Cash Out - Other

N/A

7851056

XXXX

10156809

ATR/QM: Exempt

XXXX

Investment

Purchase

XXXX

10110696

Closed

FCRE7806

2026-03-04 17:14

2026-03-25 15:32

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 Bank Statement Summary/Lender Worksheet is Missing

Resolved-Income calculation worksheet was provided. - Due Diligence Vendor-03/25/2026

Ready for Review-Document Uploaded. Supporting Document - Buyer-03/23/2026

Counter-Finding remains. Please provide Inc Calculation sheet that reflects UW's work (not just the end result) - Due Diligence Vendor-03/20/2026

Ready for Review-Document Uploaded. Supporting Document - Buyer-03/18/2026

Open-The Borrower 1 Bank Statement Summary/Lender Worksheet is Missing Lender's Bank Statement Summary/Lender Worksheet is required to be present in the loan file. - Due Diligence Vendor-03/04/2026

Resolved-Income calculation worksheet was provided. - Due Diligence Vendor-03/25/2026

Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 802

Qualifying DTI below maximum allowed - Required is 50 Borrower has 23.07

XXXX

ATR/QM: Exempt

XXXX

Investment

Refinance

Cash Out - Other

N/A

7931247

XXXX

10110696

Closed

FCRE6763

2026-03-04 18:21

2026-03-05 21:50

Waived

2 - Non-Material

Credit

Income/Employment

Income documentation does not meet guidelines

Waived- Investor waiver applied to non-material finding with compensating factors. - Due Diligence Vendor-03/06/2026
Open-Per guides, Co-mingling of multiple accounts to generate a full 12 or 24 months is not permitted. Lender exception in file to allow use of two separate bank accounts with separate 12 months statements each. Lender's exception request states: "Borrower has a Business in Idaho and XXXX with 2 separate bank accounts. They are the same type of business with same name just different states. Requesting to use both bank statements for income." No compensating factors were provided on the exception request form. However, the file reflected the following compensating factors were available: 23.07% DTI - 50% max allowed; 802 FICO score - 700 min required; 10 months reserves - 3 months required. - Due Diligence Vendor-03/04/2026

Waived- Investor waiver applied to non-material finding with compensating factors. - Due Diligence Vendor-03/06/2026

Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 802

Qualifying DTI below maximum allowed - Required is 50 Borrower has 23.07

ATR/QM: Exempt

XXXX

Investment

Refinance

Cash Out - Other

Investor Post-Close

7932725

XXXX

10179762

Closed

FCRE1115

2026-03-06 05:42

2026-03-17 16:09

Resolved

1 - Information

Credit

Closing

Security Instrument Date is greater than current date

Resolved-Received Change Affidavit. - Due Diligence Vendor-03/17/2026
Ready for Review-Document Uploaded. title to record affidavit correcting notary date. - Buyer-03/16/2026
Open-Security Instrument Date is greater than the transaction date of XXXX. - Due Diligence Vendor-03/06/2026

Resolved-Received Change Affidavit. - Due Diligence Vendor-03/17/2026

Qualifying DTI below maximum allowed - Required is 50 Borrower has 14.89

Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 800

XXXX

ATR/QM: Exempt

XXXX

Investment

Purchase

N/A

7965396

XXXX

10162216

ATR/QM: Exempt

XXXX

Investment

Refinance

Cash Out - Other

XXXX

10146810

Closed

FCRE0157

2026-03-05 14:59

2026-03-09 16:19

Waived

2 - Non-Material

Credit

Eligibility

Loan does not meet guideline requirements for loans listed for sale

Waived-Client provided a waiver for property listed for sale <30 days, applied to non material finding with comp factors - Due Diligence Vendor-03/09/2026

Ready for Review-Document Uploaded. Supporting Documents - Buyer-03/06/2026

Open-Loan does not meet guideline requirements for loans listed for sale. Subject is currently listed for sale. Property must be removed from listing for at least one month prior to application. 1008 indicates an exception; however, the loan file does not contain an exception/approval. - Due Diligence Vendor-03/05/2026

Waived-Client provided a waiver for property listed for sale <30 days, applied to non material finding with comp factors - Due Diligence Vendor-03/09/2026

Qualifying DTI below maximum allowed - Required is 50 Borrower has 42.59

Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 762

FICO: 762>700 minimum required
Reserves: 16 months verified>3 months required

XXXX

ATR/QM: Exempt

XXXX

Investment

Refinance

Cash Out - Other

Investor Post-Close

7951581

XXXX

10162217

Closed

FCRE7497

2026-03-09 14:13

2026-03-12 13:50

Resolved

1 - Information

Credit

Missing Doc

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

Resolved-XXXX have been sold - received final settlement statements - Due Diligence Vendor-03/12/2026
Ready for Review-Document Uploaded. REO Properties: XXXX have been sold - see attached final settlement statement. - Buyer-03/10/2026
Open-missing proof of taxes and insurance for 2 REO properties owned by the borrower. - Due Diligence Vendor-03/09/2026

Resolved-XXXX have been sold - received final settlement statements - Due Diligence Vendor-03/12/2026

Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 799

Qualifying DTI below maximum allowed - Required is 50 Borrower has 39.78

XXXX

ATR/QM: Exempt

XXXX

Investment

Refinance

Cash Out - Other

N/A

8002863

XXXX

10162217

Closed

FCRE2244

2026-03-10 11:28

2026-03-12 13:48

Resolved

1 - Information

Credit

Eligibility

Property Does Not Meet Guidelines (credit)

Resolved-No Property Issues identified for the property. - Due Diligence Vendor-03/12/2026

Ready for Review-Document Uploaded. Supporting Document - Buyer-03/10/2026

Open-Property Issues are identified for the property Stove missing from main and ADU. Appraiser indicates stove is functional; however missing from pictures. Picture verifies plug for stove in ADU but not verified for main. Provide proof hookup is available for main house. - Due Diligence Vendor-03/10/2026

Resolved-No Property Issues identified for the property. - Due Diligence Vendor-03/12/2026

Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 799

Qualifying DTI below maximum allowed - Required is 50 Borrower has 39.78

XXXX

ATR/QM: Exempt

XXXX

Investment

Refinance

Cash Out - Other

N/A

8021834

XXXX

10162217

Closed

FCRE1440

2026-03-10 11:41

2026-03-12 13:47

Resolved

1 - Information

Credit

Eligibility

Housing History Does Not Meet Guideline Requirements

Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-03/12/2026

Ready for Review-Document Uploaded. Please see attached VOM for the subject which was in the file as well. - Buyer-03/10/2026

Open-Housing History Does Not Meet Guideline Requirements Missing 12 month satisfactory mortgage history for the subject property. Additional conditions may apply. - Due Diligence Vendor-03/10/2026

Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-03/12/2026

Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 799

Qualifying DTI below maximum allowed - Required is 50 Borrower has 39.78

XXXX

ATR/QM: Exempt

XXXX

Investment

Refinance

Cash Out - Other

N/A

8022153

XXXX

10162221

ATR/QM: Exempt

XXXX

Investment

Refinance

Cash Out - Other

XXXX

10156814

Closed

FCRE1173

2026-03-11 11:43

2026-03-17 16:40

Resolved

1 - Information

Credit

Missing Doc

Condo Master Insurance Policy is Missing

Resolved-Received Master policy. - Due Diligence Vendor-03/17/2026

Ready for Review-Document Uploaded. Supporting Document - Buyer-03/16/2026

Open-Missing Condo Master Insurance Policy Provide master condo insurance with sufficient coverage per guides. Additional conditions may apply. It should be noted that the dwelling coverage for subject property does not meet the unpaid principal balance of the mortgage and an Estimated cost to replace was not notated on appraisal delivered with loan file (Total Estimate of Cost-New) and an RCE from insurance provider/agent was not provided. - Due Diligence Vendor-03/11/2026

Resolved-Received Master policy. - Due Diligence Vendor-03/17/2026

Months Reserves exceed minimum required - 3 months required, borrower has 15 months.

Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 796

XXXX

ATR/QM: Exempt

XXXX

Investment

Purchase

N/A

8049242

XXXX

10156814

Closed

FCRE1204

2026-03-11 12:01

2026-03-17 16:23

Resolved

1 - Information

Credit

Eligibility

Fraud Report Shows Uncleared Alerts

Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-03/17/2026

Ready for Review-Document Uploaded. Supporting Document - Buyer-03/16/2026

Open-Fraud Report Shows Uncleared Alerts Provide fraud report with alert for "Borrower name(s) not found on the Credit Header Search" cleared. - Due Diligence Vendor-03/11/2026

Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-03/17/2026

Months Reserves exceed minimum required - 3 months required, borrower has 15 months.

Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 796

XXXX

ATR/QM: Exempt

XXXX

Investment

Purchase

N/A

8049603

XXXX

10162220

ATR/QM: Exempt

XXXX

Investment

Purchase

XXXX

10200431

Closed

FCRE1202

2026-03-17 16:20

2026-03-25 15:47

Resolved

1 - Information

Credit

Missing Doc

Third Party Fraud Report Partially Provided

Resolved-Third Party Fraud Report and searches were provided. - Due Diligence Vendor-03/25/2026
Ready for Review-Document Uploaded. 1. There is a new high alert for “suspicious sale” since the borrower’s name shows up as other (see highlighted section below).  These are known AKAs for her so it is not suspicious.
2. There were two possible OFAC hits for the title company and non-borrowing spouse (XXXX) but we pulled separate OFACs for them and they were clear
3. Attached please find the revised LoanSafe which includes the appraisers and RE Broker.
4. SAM.gov is included in the search parameters of XXXX - Seller-03/23/2026
Counter-Received OFAC searches for title, seller.  Missing SAM clearance for all parties. Missing searches for appraiser, appraisal company, real estate agents and real estate companies as well. - Due Diligence Vendor-03/23/2026
Ready for Review-Document Uploaded. For the 2nd item, section 7.2 of the guidelines refers to OFAC and Watchlist Search Parties (not fraud reports as indicated in the finding) and again, it’s specific to business purpose loans, which our transaction is not.  However, we did complete OFAC searches which are attached.  This was a FSBO so there are no real estate agents involved.  Would you please let us know if any additional searches need to be completed and if the new requirements are being retroactively applied to all loans regardless of loan purpose and lock date? - Seller-03/19/2026
Counter-Received rebuttal.  Missing confirmation fraud report meets guideline 7.2 - Due Diligence Vendor-03/19/2026
Ready for Review-Document Uploaded. per section 7.1 of the XXXX Credit Guidelines, only business purpose loans require a Fraud Check on all interested parties.  The subject transaction is not a business purpose loan.  Also, updated guidance was just released yesterday however this loan funded prior to that.  Are you saying that the new guidance is being applied to all loans, regardless of the lock date and business purpose?? - Buyer-03/18/2026
Open-Third Party Fraud Report Partially Provided Fraud Report in file has background checks for only the borrower and loan originator. Lender to provide an updated Fraud Report to confirm all parties to the transaction such as borrowers, entities holding title and all owners, sellers, realtors, realtor brokerages, closing attorney, lender/originator and loan officer were successfully checked and not included on these lists. A copy of the findings report and/or searches must be provided in the loan file along with notes and any related documentation used to resolve any deficiencies or red flags noted to obtain a passing score or clearance of the report. - Due Diligence Vendor-03/17/2026

Ready for Review-Document Uploaded. 1. There is a new high alert for “suspicious sale” since the borrower’s name shows up as other (see highlighted section below). These are known AKAs for her so it is not suspicious.
2. There were two possible OFAC hits for the title company and non-borrowing spouse (XXXX) but we pulled separate OFACs for them and they were clear
3. Attached please find the revised XXXX which includes the appraisers and RE Broker.
4. SAM.gov is included in the search parameters of LoanSafe - Seller-03/23/2026
Ready for Review-Document Uploaded. For the 2nd item, section 7.2 of the guidelines refers to OFAC and Watchlist Search Parties (not fraud reports as indicated in the finding) and again, it’s specific to business purpose loans, which our transaction is not. However, we did complete OFAC searches which are attached. This was a FSBO so there are no real estate agents involved. Would you please let us know if any additional searches need to be completed and if the new requirements are being retroactively applied to all loans regardless of loan purpose and lock date? - Seller-03/19/2026

Resolved-Third Party Fraud Report and searches were provided. - Due Diligence Vendor-03/25/2026

Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 757

LTV is less than guideline maximum - Required is 85 Borrower has 70

Qualifying DTI below maximum allowed - Required is 50 Borrower has 16.06

XXXX

QM: Safe Harbor APOR (APOR SH)

XXXX

Second Home

Purchase

N/A

8163934

XXXX

10200431

Closed

FCRE7890

2026-03-17 15:57

2026-03-20 15:46

Resolved

1 - Information

Credit

Missing Doc

Missing Required Income Documentation for Bank Statement Program

Resolved-LOE from borrower and evidence of the transfers was provided: "XXXX holds client retainer funds for future legal fees. Once we complete work and invoice, client payments for our work are transferred." - Due Diligence Vendor-03/20/2026
Ready for Review-Document Uploaded. 1. Missing Required Income Documentation for Bank Statement Program
• Open-Per guides, deposits in the form of transfers from other accounts are generally excluded as qualifying deposits unless it is a wire transfer from another company for services rendered. The bank statements supplied show 116 transfers, noted as "Online Banking transfer from XXXX," totaling XXXX, which the lender included as eligible deposits. Please provide documentation (and an LOX) to verify these transfers are business related deposits. Once received and reviewed, additional findings may apply. - Due Diligence Vendor-03/17/2026 – this was addressed in the underwriter’s income write up.  TheXXXX account.  Please see attached borrower LOX
2. Missing Required Income Documentation for Bank Statement Program
• Open-Per guides, deposits in the form of transfers from other accounts are generally excluded as qualifying deposits unless it is a wire transfer from another company for services rendered. The bank statements supplied show 116 transfers, noted as "Online Banking transfer from XXXX," totaling XXXX, which the lender included as eligible deposits. Please provide documentation (and an LOX) to verify these transfers are business related deposits. Once received and reviewed, additional findings may apply. - Due Diligence Vendor-03/17/2026 – this was addressed in the underwriter’s income write up.  The XXXX account.  Please see attached borrower LOX and supporting bank statements - Buyer-03/18/2026
Open-Per guides, deposits in the form of transfers from other accounts are generally excluded as qualifying deposits unless it is a wire transfer from another company for services rendered. The bank statements supplied show 116 transfers, noted as "Online Banking transfer from XXXX," totaling XXXX, which the lender included as eligible deposits. Please provide documentation (and an LOX) to verify these transfers are business related deposits. Once received and reviewed, additional findings may apply.  - Due Diligence Vendor-03/17/2026

XXXX

QM: Safe Harbor APOR (APOR SH)

XXXX

Second Home

Purchase

N/A

8163171

XXXX

10200431

Closed

FCRE1198

2026-03-17 11:04

2026-03-20 14:29

Resolved

1 - Information

Credit

Eligibility

Audited Reserves are less than Guideline Required Reserves (Number of Months)

Resolved-Bank statement provided with evidence of the large transfers was provided. - Due Diligence Vendor-03/20/2026
Ready for Review-Document Uploaded. attached is the February statement for the XXXX, which is where the large transfers into account XXXX came from. - Seller-03/19/2026
Counter-Received XXXX reflecting several transfers. Review is unable to validate total, final funds for closing and reserves. Source of transfer with updated statements required. - Due Diligence Vendor-03/19/2026
Ready for Review-Document Uploaded. Attached please find an updated asset statement for the funds needed to cover the reserves.
- Buyer-03/19/2026
Open-Audited Reserves of 5.97 month(s) are less than Guideline Required Reserves of 9 month(s) Lender to provide additional assets to meet the minimum reserves required. It should be noted that the loan application reflects a balance of XXXX for a checking account with XXXX, however, the most current balance after funds were wired to closing (and accounted for by audit), was only XXXX, due to the borrower having wired $100K+ to pay an XXXX account. - Due Diligence Vendor-03/17/2026

Ready for Review-Document Uploaded. attached is the February statement for the XXXX, which is where the large transfers into account XXXX came from. - Seller-03/19/2026

Resolved-Bank statement provided with evidence of the large transfers was provided. - Due Diligence Vendor-03/20/2026

XXXX

QM: Safe Harbor APOR (APOR SH)

XXXX

Second Home

Purchase

N/A

8151791

XXXX

10200431

Closed

FCRE7497

2026-03-17 16:09

2026-03-19 15:43

Resolved

1 - Information

Credit

Missing Doc

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

Resolved-Received confirmation of HOA for 3a - Due Diligence Vendor-03/19/2026
Ready for Review-Document Uploaded. the XXXX. The HOA payment activity statement and insurance dec page are attached. - Buyer-03/18/2026
Open-Please provide documentation for REO 3a to verify XXXX in monthly obligations not included in the monthly mortgage payment. Additional conditions may apply, pending review. - Due Diligence Vendor-03/17/2026

Resolved-Received confirmation of HOA for 3a - Due Diligence Vendor-03/19/2026

XXXX

QM: Safe Harbor APOR (APOR SH)

XXXX

Second Home

Purchase

N/A

8163689

XXXX

10200431

Closed

FPRO1255

2026-03-17 08:21

2026-03-19 15:41

Resolved

1 - Information

Credit

Missing Doc - Credit

HOA Questionnaire Document is Missing

Resolved-Received CPM approval.  - Due Diligence Vendor-03/19/2026
Ready for Review-Document Uploaded. per section 6.6 of the XXXX Credit Guidelines, either a condo questionnaire or CPM approval is acceptable.  CPM approval is attached. - Buyer-03/18/2026
Open-Subject Property is part of an HOA but the HOA Questionnaire Document is Missing. A Condo Questionnaire is missing from the loan file. Once received and reviewed, additional findings may be added.  - Due Diligence Vendor-03/17/2026

Resolved-Received CPM approval. - Due Diligence Vendor-03/19/2026

XXXX

QM: Safe Harbor APOR (APOR SH)

XXXX

Second Home

Purchase

N/A

8147201

XXXX

10200431

Closed

FCRE0116

2026-03-17 17:14

2026-03-19 15:40

Resolved

1 - Information

Credit

Eligibility

Missing Warrantability Documentation

Resolved-Received CPM approval - Due Diligence Vendor-03/19/2026

Ready for Review-Document Uploaded. attached UW Warranty and FNMA HOA Approval. - Seller-03/18/2026

Open-Missing Warrantability Documentation. UW Attestation and/or documentation clearly stating whether the property is a warrantable or non-warrantable condo must be delivered with the file. Lender to provide CPM approval or Condo Questionnaire as applicable. It should be noted that the Lender's 1008 indicates the project review is "FannieMae Review through PERS" and lender's email indicates a PERS/COO from FNMA to be provided soon. However, documentation that the review was completed is missing from file. - Due Diligence Vendor-03/17/2026

Ready for Review-Document Uploaded. attached UW Warranty and FNMA HOA Approval. - Seller-03/18/2026

Resolved-Received CPM approval - Due Diligence Vendor-03/19/2026

XXXX

QM: Safe Harbor APOR (APOR SH)

XXXX

Second Home

Purchase

N/A

8165040

XXXX

10200431

Closed

FCRE5782

2026-03-17 10:17

2026-03-19 15:35

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 Gap Credit Report is Missing

Resolved-Received credit refresh. - Due Diligence Vendor-03/19/2026

Ready for Review-Document Uploaded. Supporting Document - Seller-03/17/2026

Open-Borrower 1 Gap Credit Report is Missing Missing a credit refresh/gap report or evidence of credit monitoring within 10 days of the note date. - Due Diligence Vendor-03/17/2026

Ready for Review-Document Uploaded. Supporting Document - Seller-03/17/2026

Resolved-Received credit refresh. - Due Diligence Vendor-03/19/2026

XXXX

QM: Safe Harbor APOR (APOR SH)

XXXX

Second Home

Purchase

N/A

8150122

XXXX

10200431

Closed

FCOM5135

2026-03-16 15:04

Waived

2 - Non-Material

Compliance

Missing Doc

Missing Required Affiliated Business Disclosure

Waived-Required Affiliated Business Disclosure Missing -----Originator waiver applied to non-material Findings.
- Due Diligence Vendor-03/16/2026

QM: Safe Harbor APOR (APOR SH)

XXXX

Second Home

Purchase

Originator Post-Close

8135233

XXXX

10162206

ATR/QM: Exempt

XXXX

Investment

Purchase

XXXX

10161167

Closed

FCOM0013

2026-03-17 10:35

2026-03-19 11:31

Resolved

1 - Information

Compliance

Disclosure

Missing e-Consent

Resolved-Received copy of eConsent, finding resolved. - Due Diligence Vendor-03/19/2026

Ready for Review-Document Uploaded. - Seller-03/18/2026

Open-Missing e-Consent. Missing proof borrower agreed to electronic documents. - Due Diligence Vendor-03/17/2026

Ready for Review-Document Uploaded. - Seller-03/18/2026

Resolved-Received copy of eConsent, finding resolved. - Due Diligence Vendor-03/19/2026

Qualifying DTI below maximum allowed - Required is 50 Borrower has 13.3

Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 754

XXXX

QM: Safe Harbor APOR (APOR SH)

XXXX

Primary Residence

Refinance

Cash Out - Other

N/A

8150615

XXXX

10179748

Closed

FCRE0044

2026-03-18 14:00

2026-03-23 13:30

Resolved

1 - Information

Credit

Eligibility

File does not contain LOX for credit inquiries

Resolved-Received credit inquiry LOE. - Due Diligence Vendor-03/23/2026

Ready for Review-Document Uploaded. Please see attached.
- Buyer-03/19/2026

Open-LOX for credit inquiries is missing. LOX for credit inquiries on 1/2/2026 missing from file. - Due Diligence Vendor-03/18/2026

Resolved-Received credit inquiry LOE. - Due Diligence Vendor-03/23/2026

LTV is less than guideline maximum - Required is 80 Borrower has 69.87

Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 793

Months Reserves exceed minimum required - Minimum reserves are 3 months, Borrower has 97.96

XXXX

ATR/QM: Exempt

XXXX

Investment

Refinance

Cash Out - Other

N/A

8190407

XXXX

10200482

ATR/QM: Exempt

XXXX

Investment

Refinance

Cash Out - Other

XXXX

10217438

Closed

FCRE1440

2026-03-27 14:41

2026-04-01 16:42

Resolved

1 - Information

Credit

Eligibility

Housing History Does Not Meet Guideline Requirements

Resolved-Received confirmation both are free and clear. - Due Diligence Vendor-04/01/2026
Ready for Review-Document Uploaded.XXXX FREE AND CLEAR
XXXX FREE AND CLEAR - Buyer-03/31/2026
Open-Housing History Does Not Meet Guideline Requirements Need mortgage history for 1003 properties 3H and 3I. If properties owned free and clear, need lien reports. - Due Diligence Vendor-03/27/2026

Resolved-Received confirmation both are free and clear. - Due Diligence Vendor-04/01/2026

Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 784 Required is 660 Borrower has 784

Qualifying DTI below maximum allowed - Required is 50 Borrower has 22.06 Required is 50 Borrower has 22.06

LTV is less than guideline maximum - Required is 80 Borrower has 70 Required is 80 Borrower has 70

XXXX

ATR/QM: Exempt

XXXX

Investment

Refinance

Cash Out - Other

N/A

8365313

XXXX

10217438

Closed

FCRE7497

2026-03-27 15:13

2026-03-31 16:44

Resolved

1 - Information

Credit

Missing Doc

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

Resolved-Received missing REO documentation. - Due Diligence Vendor-03/31/2026
Ready for Review-Document Uploaded. XXXX docs.. tax and insurance on mortgage statement
XXXX docs
XXXX docs - coop so no taxes - Buyer-03/30/2026
Open-1003 property 3C - Need to verify information in HOI, taxes and HOA line as UW is not able to verify what this amount is for. Mortgage statement in file shows PITI verified.
1003 property 3G - Need to verify XXXX and XXXX mortgage payments paid as agreed.
1003 property 3E - Need to verify XXXX mortgage payment paid as agreed.
1003 property 3H - Need mortgage statement to verify PITI payment (as only HOI was provided)
1003 property 3I - Need mortgage statement to verify PITI payment (as only HOI was provided) - Due Diligence Vendor-03/27/2026

Resolved-Received missing REO documentation. - Due Diligence Vendor-03/31/2026

XXXX

ATR/QM: Exempt

XXXX

Investment

Refinance

Cash Out - Other

N/A

8366206

XXXX

10217438

Closed

FCRE1316

2026-03-30 08:50

2026-03-31 16:43

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 3rd Party VOE Prior to Close Missing

Resolved-Received VOE. - Due Diligence Vendor-03/31/2026

Ready for Review-Document Uploaded. final VVOE - Buyer-03/30/2026

Open-Borrower 1 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-03/30/2026

Resolved-Received VOE. - Due Diligence Vendor-03/31/2026

XXXX

ATR/QM: Exempt

XXXX

Investment

Refinance

Cash Out - Other

N/A

8381808

XXXX

10200501

Closed

FCRE1491

2026-03-31 16:15

2026-04-02 15:11

Resolved

1 - Information

Credit

Assets

Asset Qualification Does Not Meet Guideline Requirements

Resolved-Client provided proof of Gifts given - Due Diligence Vendor-04/02/2026

Ready for Review-Document Uploaded. 1. 610K GIFT
2. 320K GIFT
- Buyer-04/01/2026

Open-Asset Qualification Does Not Meet Guideline Requirements Need both donor's to provide proof of withdrawal of gift funds from each of their accounts. - Due Diligence Vendor-03/31/2026

Resolved-Client provided proof of Gifts given - Due Diligence Vendor-04/02/2026

Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 762 Required is 680 Borrower has 762

Qualifying DTI below maximum allowed - Required is 50 Borrower has 31.15 Required is 50 Borrower has 31.15

XXXX

Non-QM: Lender documented all ATR UW factors

XXXX

Primary Residence

Purchase

N/A

8413664

XXXX

10200501

Closed

FCRE1316

2026-04-01 10:25

2026-04-02 15:11

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 3rd Party VOE Prior to Close Missing

Resolved-Client provided CPA letter with XXXX search for company - Due Diligence Vendor-04/02/2026
Ready for Review-Document Uploaded. 1. CPA
2. final voe

- Seller-04/01/2026
Open-Borrower 1 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-04/01/2026

Ready for Review-Document Uploaded. 1. CPA
2. final voe

- Seller-04/01/2026

Resolved-Client provided CPA letter with XXXX search for company - Due Diligence Vendor-04/02/2026

XXXX

Non-QM: Lender documented all ATR UW factors

XXXX

Primary Residence

Purchase

N/A

8427797

XXXX

10200501

Closed

finding-3652

2026-03-31 11:34

2026-04-02 11:19

Resolved

1 - Information

Compliance

TRID

Lender Credits That Cannot Decrease Test

Resolved-Received CD XXXX with COC. Finding Resolved. - Due Diligence Vendor-04/02/2026
Ready for Review-Document Uploaded. COC
- Buyer-04/01/2026
Open-This loan failed the lender credits that cannot decrease 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). The final sum of specific and non-specific lender credits ($6,000.00) does not exceed or equal the comparable sum of specific and non-specific lender credits ($6,250.00). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). ----- Lender credit decreased from $6,250.00 to $6,000 without a valid COC in file. Provide a COC for decrease OR evidence of refund to borrower or principal reduction in the amount of $250, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Reduction in Lender credits must be directly related to fees and must offset closing cost equally. Statute of Limitations 3 years- Expiration date is XXXX.
- Due Diligence Vendor-03/31/2026

Resolved-Received CD XXXX with COC. Finding Resolved. - Due Diligence Vendor-04/02/2026

XXXX

Non-QM: Lender documented all ATR UW factors

XXXX

Primary Residence

Purchase

N/A

8408097

XXXX

10200456

Closed

FCRE7497

2026-03-31 12:09

2026-04-10 14:55

Resolved

1 - Information

Credit

Missing Doc

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

Resolved-Received PITIA verification. - Due Diligence Vendor-04/10/2026
Ready for Review-Document Uploaded. LETTER FROM UNDERWRITER REGARDING HOA DUES FOR XXXX
- Seller-04/08/2026
Counter-CD for XXXX. Lender to confirm difference in escrows documented. - Due Diligence Vendor-04/08/2026
Ready for Review-Document Uploaded. 1. PITIA DOCS XXXX
2. XXXX PITIA DOCS
- Seller-04/06/2026
Counter-Received HOA statement for 3c and CD for refi of 3b. Missing verification of taxes, insurance, and/or HOA fees for non-subject property, URLA Section 3a. Condition remains - Due Diligence Vendor-04/06/2026
Ready for Review-Document Uploaded. FINAL CD FOR XXXX - Seller-04/03/2026
Open-Missing verification of taxes, insurance, and/or HOA fees for non-subject property, URLA Section 3, 3c $150 , and cd/payment letter refinance for3b, additional findings may apply. - Due Diligence Vendor-03/31/2026

Ready for Review-Document Uploaded. LETTER FROM UNDERWRITER REGARDING HOA DUES FOR XXXX
- Seller-04/08/2026
Ready for Review-Document Uploaded. 1. PITIA DOCS XXXX
2. XXXX PITIA DOCS
- Seller-04/06/2026
Ready for Review-Document Uploaded. FINAL CD FOR XXXX - Seller-04/03/2026

Resolved-Received PITIA verification. - Due Diligence Vendor-04/10/2026

Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 680 Required is 660 Borrower has 680

Qualifying DTI below maximum allowed - Required is 50 Borrower has 5.24 Required is 50 Borrower has 5.24

XXXX

ATR/QM: Exempt

XXXX

Investment

Refinance

No Cash Out - Borrower Initiated

N/A

8408810

XXXX

10200456

Closed

FCOM1220

2026-03-31 03:53

2026-04-07 14:03

Resolved

1 - Information

Credit

Missing Doc

The Deed of Trust is Missing

Resolved-Legal description was provided. - Due Diligence Vendor-04/07/2026

Ready for Review-Document Uploaded. RECORDED DOT WITH LEGAL DESCRIPTION - Buyer-04/07/2026

Counter-DOT provided, missing Ex A Legal Description - Due Diligence Vendor-04/02/2026

Ready for Review-Document Uploaded. Supporting Document - Seller-04/01/2026

Open-The Deed of Trust is Missing - Due Diligence Vendor-03/31/2026

Ready for Review-Document Uploaded. Supporting Document - Seller-04/01/2026

Resolved-Legal description was provided. - Due Diligence Vendor-04/07/2026

XXXX

ATR/QM: Exempt

XXXX

Investment

Refinance

No Cash Out - Borrower Initiated

N/A

8398135

XXXX

10200456

Closed

FCRE1316

2026-03-31 10:48

2026-04-06 13:26

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 3rd Party VOE Prior to Close Missing

Resolved-Received memo, SE borrower XXXX SOS in file. Upon further review XXXX SOS verified entity in operation with formation date XXXX. - Due Diligence Vendor-04/06/2026
Ready for Review-Document Uploaded. RE: VOE - BORROWER IS SELF EMPLOYED. BUSINESS EXISTENCE VERIFIED VIA XXXX SECRETARY OF STATE. - Seller-04/03/2026
Open-Borrower 1 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-03/31/2026

Ready for Review-Document Uploaded. RE: VOE - BORROWER IS SELF EMPLOYED. BUSINESS EXISTENCE VERIFIED VIA XXXX SECRETARY OF STATE. - Seller-04/03/2026

Resolved-Received memo, SE borrower XXXX SOS in file. Upon further review XXXX SOS verified entity in operation with formation date XXXX. - Due Diligence Vendor-04/06/2026

XXXX

ATR/QM: Exempt

XXXX

Investment

Refinance

No Cash Out - Borrower Initiated

N/A

8405160

XXXX

10200456

Closed

FCRE0053

2026-03-31 09:57

2026-04-02 14:42

Resolved

1 - Information

Credit

Missing Doc

Rider Missing based on Property Type selected

Resolved-Client provided all executed Riders to DOT - Due Diligence Vendor-04/02/2026

Ready for Review-Document Uploaded. Supporting Document - Seller-04/01/2026

Open-Rider Missing from DOT screen based on Property Type selected on Property Page. - Due Diligence Vendor-03/31/2026

Ready for Review-Document Uploaded. Supporting Document - Seller-04/01/2026

Resolved-Client provided all executed Riders to DOT - Due Diligence Vendor-04/02/2026

XXXX

ATR/QM: Exempt

XXXX

Investment

Refinance

No Cash Out - Borrower Initiated

N/A

8403624

XXXX

10200456

Closed

FCOM1227

2026-03-31 09:57

2026-04-02 14:32

Resolved

1 - Information

Credit

Missing Doc

PUD Rider is Missing

Resolved-Client provided executed PUD Rider - Due Diligence Vendor-04/02/2026

Ready for Review-Document Uploaded. Supporting Document - Seller-04/01/2026

Open-PUD Rider is Missing - Due Diligence Vendor-03/31/2026

Ready for Review-Document Uploaded. Supporting Document - Seller-04/01/2026

Resolved-Client provided executed PUD Rider - Due Diligence Vendor-04/02/2026

XXXX

ATR/QM: Exempt

XXXX

Investment

Refinance

No Cash Out - Borrower Initiated

N/A

8403623

XXXX

10200457

Closed

FCRE5782

2026-04-01 12:14

2026-04-14 09:41

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 Gap Credit Report is Missing

Resolved-Received Supplemental report, reflects XXXX - Due Diligence Vendor-04/06/2026
Ready for Review-Document Uploaded. Supporting Document - Buyer-04/02/2026
Counter-Gap Credit received, provide Credit Supplement to reflect XXXX is paid current thru loan closing - Due Diligence Vendor-04/02/2026
Ready for Review-Document Uploaded. Supporting Document - Buyer-04/01/2026
Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-04/01/2026

Resolved-Received Supplemental report, reflects XXXX - Due Diligence Vendor-04/06/2026

Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 680 Required is 660 Borrower has 680

LTV is less than guideline maximum - Required is 75 Borrower has 46.44 Required is 75 Borrower has 46.44

Qualifying DTI below maximum allowed - Required is 50 Borrower has 5.25 Required is 50 Borrower has 5.25

XXXX

ATR/QM: Exempt

XXXX

Investment

Refinance

No Cash Out - Borrower Initiated

N/A

8432432

XXXX

10200457

Closed

FCRE7497

2026-03-31 14:38

2026-04-10 13:28

Resolved

1 - Information

Credit

Missing Doc

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

Resolved-Received PITIA for XXXX.  - Due Diligence Vendor-04/10/2026
Ready for Review-Document Uploaded. 1. MONTHLY HOA DUES FOR XXXX WERE TAKEN FROM APPRAISAL REPORT.
2. HOA DUES REFLECTED ON APPRAISAL USED FOR QUALIFYING. THIS IS THE TOTAL OF SUB AND MASTER HOA MONTHLY DUES. - Seller-04/08/2026
Counter-CD for XXXX.  Lender to confirm difference in escrows documented.  - Due Diligence Vendor-04/08/2026
Ready for Review-Document Uploaded. 1. PITIA DOCS XXXX
2.XXXX PITIA DOCS - PLEASE ADVISE IF THIS IS NOT WHAT YOU ARE LOOKING FOR FOR 3C. YOU SHOULD HAVE ALL INFO FOR ALL REOS
3. PITIA DOCS FOR XXXX - XXXX SHOULD HAVE COMPLETE PITIA DOCUMENTATION FOR ALL PROPERTIES ON THE REO - Seller-04/06/2026
Counter-Received CD for 3a and 3f. Finding for 3b and 3c. Finding remains.   - Due Diligence Vendor-04/06/2026
Ready for Review-Document Uploaded. FINAL CDS FOR XXXX - Seller-04/03/2026
Open-Missing PITIA/CD for other property being refinanced on URLA 3b and  HOA $150, for property located on URLA section 3c additional findings may apply  - Due Diligence Vendor-03/31/2026

Ready for Review-Document Uploaded. 1. MONTHLY HOA DUES FOR XXXX WERE TAKEN FROM APPRAISAL REPORT.
2. HOA DUES REFLECTED ON APPRAISAL USED FOR QUALIFYING. THIS IS THE TOTAL OF SUB AND MASTER HOA MONTHLY DUES. - Seller-04/08/2026
Ready for Review-Document Uploaded. 1. PITIA DOCS XXXX
2. XXXX PITIA DOCS - PLEASE ADVISE IF THIS IS NOT WHAT YOU ARE LOOKING FOR FOR 3C. YOU SHOULD HAVE ALL INFO FOR ALL REOS
3. PITIA DOCS FOR XXXX- XXXX SHOULD HAVE COMPLETE PITIA DOCUMENTATION FOR ALL PROPERTIES ON THE REO - Seller-04/06/2026
Ready for Review-Document Uploaded. FINAL CDS FOR XXXX - Seller-04/03/2026

Resolved-Received PITIA for XXXX. - Due Diligence Vendor-04/10/2026

XXXX

ATR/QM: Exempt

XXXX

Investment

Refinance

No Cash Out - Borrower Initiated

N/A

8411833

XXXX

10200457

Closed

FCRE1316

2026-03-31 13:29

2026-04-08 12:34

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 3rd Party VOE Prior to Close Missing

Resolved-Received SOS. - Due Diligence Vendor-04/08/2026
Ready for Review-Document Uploaded. XXXX SOS - BUSINESS EXISTENCE VERIFIED - Seller-04/06/2026
Counter-Received UW cert. Review of loan file did not reveal verification from SOS confirming in good standing. - Due Diligence Vendor-04/06/2026
Ready for Review-Document Uploaded. RE: VOE - BORROWER IS SELF-EMPLOYED. BUSINESS EXISTENCE VERIFIED VIA XXXX SECRETARY OF STATE. - Buyer-04/03/2026
Open-Borrower 1 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-03/31/2026

Ready for Review-Document Uploaded. XXXX SOS - BUSINESS EXISTENCE VERIFIED - Seller-04/06/2026

Resolved-Received SOS. - Due Diligence Vendor-04/08/2026

XXXX

ATR/QM: Exempt

XXXX

Investment

Refinance

No Cash Out - Borrower Initiated

N/A

8410335

XXXX

10200457

Closed

FCOM1220

2026-03-31 04:20

2026-04-08 12:19

Resolved

1 - Information

Credit

Missing Doc

The Deed of Trust is Missing

Resolved-The Deed of Trust is Present - Due Diligence Vendor-04/08/2026

Ready for Review-Document Uploaded. RECORDED DOT WITH LEGAL DESCRIPTION - Buyer-04/07/2026

Counter-Client provided DOT, missing Ex A Legal Description - Due Diligence Vendor-04/02/2026

Ready for Review-Document Uploaded. Supporting Document - Seller-04/01/2026

Open-The Deed of Trust is Missing - Due Diligence Vendor-03/31/2026

Ready for Review-Document Uploaded. Supporting Document - Seller-04/01/2026

Resolved-The Deed of Trust is Present - Due Diligence Vendor-04/08/2026

XXXX

ATR/QM: Exempt

XXXX

Investment

Refinance

No Cash Out - Borrower Initiated

N/A

8398270

XXXX

10200457

Closed

FCRE0116

2026-03-31 13:55

2026-04-06 13:34

Resolved

1 - Information

Credit

Eligibility

Missing Warrantability Documentation

Resolved-Documentation of warrantability located or is not applicable. - Due Diligence Vendor-04/06/2026

Ready for Review-Document Uploaded. CONDO WARRANTY CERT - Buyer-04/03/2026

Open-Missing Warrantability Documentation. - Due Diligence Vendor-03/31/2026

Resolved-Documentation of warrantability located or is not applicable. - Due Diligence Vendor-04/06/2026

XXXX

ATR/QM: Exempt

XXXX

Investment

Refinance

No Cash Out - Borrower Initiated

N/A

8410917

XXXX

10200457

Closed

FCRE0053

2026-03-31 12:49

2026-04-02 15:01

Resolved

1 - Information

Credit

Missing Doc

Rider Missing based on Property Type selected

Resolved-Client provided executed Riders to DOT - Due Diligence Vendor-04/02/2026

Ready for Review-Document Uploaded. Supporting Document - Seller-04/01/2026

Open-Rider Missing from DOT screen based on Property Type selected on Property Page. Condo rider missing - also missing mortgage - Due Diligence Vendor-03/31/2026

Ready for Review-Document Uploaded. Supporting Document - Seller-04/01/2026

Resolved-Client provided executed Riders to DOT - Due Diligence Vendor-04/02/2026

XXXX

ATR/QM: Exempt

XXXX

Investment

Refinance

No Cash Out - Borrower Initiated

N/A

8409478

XXXX

10220196

Closed

FCOM1224

2026-04-03 09:18

2026-04-15 17:51

Resolved

1 - Information

Compliance

Missing Doc

Condo Rider is Missing

Resolved-Received copy of Mortgage with Condo Rider attached. Finding Resolved. - Due Diligence Vendor-04/08/2026

Ready for Review-Document Uploaded. - Seller-04/07/2026

Open-Condo Rider is Missing Missing Condo Rider (Mortgage missing also) - Due Diligence Vendor-04/03/2026

Ready for Review-Document Uploaded. - Seller-04/07/2026

Resolved-Received copy of Mortgage with Condo Rider attached. Finding Resolved. - Due Diligence Vendor-04/08/2026

Months Reserves exceed minimum required - 120 mths reserves; 3 mths required.

Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 761

XXXX

QM: Safe Harbor APOR (APOR SH)

XXXX

Primary Residence

Purchase

N/A

8472983

XXXX

10220196

Closed

FPRO1255

2026-04-06 11:03

2026-04-15 17:51

Resolved

1 - Information

Credit

Missing Doc - Credit

HOA Questionnaire Document is Missing

Resolved-2-4 Unit condo, not required. - Due Diligence Vendor-04/15/2026

Ready for Review-Per UW mgmt., this is a 2-4 unit condo and is not subject to standard condo requirements. Please waive this condition. - Seller-04/14/2026

Counter-Received LTV waiver for non warrantable condo.  Please provide HOA questionnaire. - Due Diligence Vendor-04/10/2026

Ready for Review-Document Uploaded.  - Seller-04/09/2026

Counter-Received rebuttal exception for non warrantable condo.  Review is unable to locate exception, please provide.  Please also note, condo questionnaire required to confirm no litigation, right of first refusal and investor concentration.   - Due Diligence Vendor-04/08/2026

Ready for Review-Please see exception in "Miscellaneous" folder re: exception for non-warrantable condo. Condo is suspended so no questionnaire was required. - Seller-04/07/2026

Open-Subject Property is part of an HOA but the HOA Questionnaire Document is Missing. per guide All Loan secured by condominium projects require a completed Homeowners Association
(HOA) questionnaire - Due Diligence Vendor-04/06/2026

Ready for Review-Per UW mgmt., this is a 2-4 unit condo and is not subject to standard condo requirements. Please waive this condition. - Seller-04/14/2026

Ready for Review-Document Uploaded. - Seller-04/09/2026

Ready for Review-Please see exception in "Miscellaneous" folder re: exception for non-warrantable condo. Condo is suspended so no questionnaire was required. - Seller-04/07/2026

Resolved-2-4 Unit condo, not required. - Due Diligence Vendor-04/15/2026

Months Reserves exceed minimum required - 120 mths reserves; 3 mths required.

Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 761

XXXX

QM: Safe Harbor APOR (APOR SH)

XXXX

Primary Residence

Purchase

N/A

8500084

XXXX

10220196

Closed

FCRE1173

2026-04-03 09:23

2026-04-15 17:50

Resolved

1 - Information

Credit

Missing Doc

Condo Master Insurance Policy is Missing

Resolved-2-4 Unit condo, not required. - Due Diligence Vendor-04/15/2026

Ready for Review-Per UW mgmt., this is a 2-4 unit condo and is not subject to standard condo requirements. Please waive this condition. - Seller-04/14/2026

Counter-Review is unable to locate exception noted. Please note, master HOI policy and liability coverages required. - Due Diligence Vendor-04/08/2026

Ready for Review-Please see exception in "Miscellaneous" folder re: exception for non-warrantable condo. Condo is suspended so no master policy was required. - Seller-04/07/2026

Open-Missing Condo Master Insurance Policy Missing Master Pol - Due Diligence Vendor-04/03/2026

Ready for Review-Per UW mgmt., this is a 2-4 unit condo and is not subject to standard condo requirements. Please waive this condition. - Seller-04/14/2026

Ready for Review-Please see exception in "Miscellaneous" folder re: exception for non-warrantable condo. Condo is suspended so no master policy was required. - Seller-04/07/2026

Resolved-2-4 Unit condo, not required. - Due Diligence Vendor-04/15/2026

Months Reserves exceed minimum required - 120 mths reserves; 3 mths required.

Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 761

QM: Safe Harbor APOR (APOR SH)

XXXX

Primary Residence

Purchase

N/A

8473105

XXXX

10220196

Closed

finding-3526

2026-04-02 11:18

2026-04-08 15:44

Resolved

1 - Information

Compliance

TRID

Revised Loan Estimate Delivery Date Test (prior to consummation)

Resolved-Received Audit trail for signature. finding Resolved. - Due Diligence Vendor-04/08/2026
Ready for Review-Document Uploaded. - Seller-04/07/2026
Open-This loan failed the revised loan estimate delivery date test (prior to consummation) due to one of the following findings: ( 12 CFR §1026.19(e)(4)(ii) )The revised loan estimate delivery date is provided and the revised loan estimate method of delivery is marked as either:"XXXX" or "Electronic Delivery" or blank, and the revised loan estimate delivery date is less than seven business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the revised loan estimate delivery date is less than four business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised loan estimate receipt date is provided and the revised loan estimate receipt date is less than four business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised loan estimate delivery date is on or after the initial closing disclosure delivery date.The creditor shall not provide a revised version of the disclosures required under §1026.19(e)(1)(i) on or after the date on which the creditor provides the disclosures required under §1026.19(f)(1)(i). The consumer must receive a revised version of the disclosures required under §1026.19(e)(1)(i) not later than four business days prior to consummation. If the revised version of the disclosures required §1026.19(e)(1)(i) is not provided to the consumer in person, the consumer is considered to have received such version three business days after the creditor delivers or places such version in the mail. ----- LEs dated XXXX were not signed by the borrower. - Due Diligence Vendor-04/02/2026

Ready for Review-Document Uploaded. - Seller-04/07/2026

Resolved-Received Audit trail for signature. finding Resolved. - Due Diligence Vendor-04/08/2026

Months Reserves exceed minimum required - 120 mths reserves; 3 mths required.

Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 761

XXXX

QM: Safe Harbor APOR (APOR SH)

XXXX

Primary Residence

Purchase

N/A

8454810

XXXX

10220196

Closed

finding-3540

2026-04-03 07:48

2026-04-08 15:44

Resolved

1 - Information

Compliance

TRID

Revised Closing Disclosure Delivery Date Test (No Waiting Period Required) Test

Resolved-Received Audit trail for signature. finding Resolved. - Due Diligence Vendor-04/08/2026
Ready for Review-XXXX is open for settlement on Saturday, so the XXXX counts as a business day. XXXX, and disbursement was completed on XXXX. - Seller-04/07/2026
Open-This loan failed the revised closing disclosure delivery date test (no waiting period required). ( 12 CFR §1026.19(f)(2)(i) )The revised closing disclosure delivery does not require a new waiting period and:The revised closing disclosure delivery date is provided and the revised closing disclosure method of delivery is marked as either"XXXX" or "Electronic Delivery" or blank, and the revised closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the revised closing disclosure delivery date is after the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised closing disclosure receipt date is provided and the revised closing disclosure receipt date is after the consummation date, or closing / settlement date if no consummation date is provided, of the transaction.Changes before consummation not requiring a new waiting period. Except as provided in §1026.19(f)(2)(ii), if the disclosures provided under §1026.19(f)(1)(i) become inaccurate before consummation, the creditor shall provide corrected disclosures reflecting any changed terms to the consumer so that the consumer receives the corrected disclosures at or before consummation. Notwithstanding the requirement to provide corrected disclosures at or before consummation, the creditor shall permit the consumer to inspect the disclosures provided under this paragraph, completed to set forth those items that are known to the creditor at the time of inspection, during the business day immediately preceding consummation, but the creditor may omit from inspection items related only to the seller's transaction. -----CD XXXX was acknowledged however it is less than 3 business days to the consummation date of XXXX - Due Diligence Vendor-04/03/2026

Ready for Review-XXXX is open for settlement on Saturday, so the XXXX counts as a business day. XXXX, and disbursement was completed on XXXX. - Seller-04/07/2026

Resolved-Received Audit trail for signature. finding Resolved. - Due Diligence Vendor-04/08/2026

Months Reserves exceed minimum required - 120 mths reserves; 3 mths required.

Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 761

QM: Safe Harbor APOR (APOR SH)

XXXX

Primary Residence

Purchase

N/A

8471713

XXXX

10220196

Closed

FCOM1220

2026-04-02 09:53

2026-04-08 15:36

Resolved

1 - Information

Credit

Missing Doc

The Deed of Trust is Missing

Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-04/08/2026

Ready for Review-Document Uploaded. - Seller-04/07/2026

Open-The Deed of Trust is Missing ----- The Deed of Trust is Missing - Due Diligence Vendor-04/02/2026

Ready for Review-Document Uploaded. - Seller-04/07/2026

Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-04/08/2026

Months Reserves exceed minimum required - 120 mths reserves; 3 mths required.

Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 761

XXXX

QM: Safe Harbor APOR (APOR SH)

XXXX

Primary Residence

Purchase

N/A

8452134

XXXX

10220196

Closed

FCRE1194

2026-04-03 10:07

2026-04-06 11:14

Waived

2 - Non-Material

Credit

Eligibility

Audited LTV Exceeds Guideline LTV

Waived-Originator exception granted to allow . Non-material waiver applied with comp factors. Deemed non-material due to only 5% above max allowed. - Due Diligence Vendor-04/06/2026

Open-Audited LTV of 80% exceeds Guideline LTV of 75% Lender exception on file in regards to LTV. "Max LTV 75% on non-warrantable condo" (pg 94) - Due Diligence Vendor-04/03/2026

Waived-Originator exception granted to allow . Non-material waiver applied with comp factors. Deemed non-material due to only 5% above max allowed. - Due Diligence Vendor-04/06/2026

Months Reserves exceed minimum required - 120 mths reserves; 3 mths required.

Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 761

FICO 20 pts over
Reserves 6 months+
DTI 10% below max

QM: Safe Harbor APOR (APOR SH)

XXXX

Primary Residence

Purchase

Originator Post-Close

Yes

8474010

XXXX

10220196

Closed

FCRE6019

2026-04-02 10:09

2026-04-06 11:11

Waived

2 - Non-Material

Credit

Missing Doc

Citizenship Documentation Not Provided

Waived-Originator waiver applied to non material finding - Due Diligence Vendor-04/06/2026

Open-Borrower Citizenship Documentation Is Missing Missing country of origin both borrower for ITIN. - Due Diligence Vendor-04/02/2026

Waived-Originator waiver applied to non material finding - Due Diligence Vendor-04/06/2026

Months Reserves exceed minimum required - 120 mths reserves; 3 mths required.

Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 761

QM: Safe Harbor APOR (APOR SH)

XXXX

Primary Residence

Purchase

Originator Post-Close

8452568

XXXX

10200495

Closed

FCRE1440

2026-04-06 13:37

2026-04-10 13:12

Resolved

1 - Information

Credit

Eligibility

Housing History Does Not Meet Guideline Requirements

Resolved-Received rent free letter. - Due Diligence Vendor-04/10/2026

Ready for Review-Document Uploaded. Rent Free Letter. - Buyer-04/08/2026

Open-Housing History Does Not Meet Guideline Requirements Missing rent free letter for the primary residence. - Due Diligence Vendor-04/06/2026

Resolved-Received rent free letter. - Due Diligence Vendor-04/10/2026

Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 742 Required is 660 Borrower has 742

Qualifying DTI below maximum allowed - Required is 50 Borrower has 15.19 Required is 50 Borrower has 15.19

XXXX

ATR/QM: Exempt

XXXX

Investment

Purchase

N/A

8505905

XXXX

10200495

Closed

FPRO1136

2026-04-02 09:59

2026-04-10 13:06

Resolved

1 - Information

Property

Appraisal

Subject property appraisal is not on an as-is basis (Primary Value)

Resolved-Primary Value for Subject Property Appraisal is completed on an As-Is Basis, the 1004D Completion Report is fully or partially present, or Not Applicable - Due Diligence Vendor-04/10/2026

Ready for Review-Document Uploaded. 1004D.
- Buyer-04/08/2026

Open-Primary Value Subject Property Appraisal is not on an As-Is Basis and Completion Report (1004D) is not Present Primary Value Subject Property Appraisal is not on an As-Is Basis and Completion Report (1004D) is not Pres - Due Diligence Vendor-04/06/2026

Resolved-Primary Value for Subject Property Appraisal is completed on an As-Is Basis, the 1004D Completion Report is fully or partially present, or Not Applicable - Due Diligence Vendor-04/10/2026

XXXX

ATR/QM: Exempt

XXXX

Investment

Purchase

N/A

8452267

XXXX

10200458

Closed

FCRE1506

2026-04-03 09:41

2026-06-01 10:50

Resolved

1 - Information

Credit

QM-ATR

Invalid Final QM Status - ATR/QM: Status Pending

Resolved-Received REO documentation. - Due Diligence Vendor-04/10/2026
Ready for Review-Document Uploaded. EMAIL FROM BORROWER CONFIRMING NO INSURANCE POLICY ON XXXX. - Seller-04/08/2026
Counter-Pending receipt of HOI or confirmation of self insured for XXXX Due Diligence Vendor-04/08/2026
Ready for Review-Document Uploaded. 1. XXXX PITIA AND MORTGAGE PAYMENT HISTORY FOR XXXX
2. PITIA DOCS FOR XXXX
3. PITIA DOCS FOR XXXX
4. RE: XXXX - ENCLOSED IS AN UNDERWRITER CERT, THE PROPERTY PROFILE, AND TAX BILL ON THE PROPERTY - Buyer-04/07/2026
Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. 1003 Section 3 - Property 2 - Missing mortgage statement to verify P&I and mortgage history (as it is not showing on the credit report).
1003 Section 3 - Property 3 - Missing HOI - Due Diligence Vendor-04/03/2026

Ready for Review-Document Uploaded. EMAIL FROM BORROWER CONFIRMING NO INSURANCE POLICY ON XXXX. - Seller-04/08/2026

Resolved-Received REO documentation. - Due Diligence Vendor-04/10/2026

Qualifying DTI below maximum allowed - Required is 50 Borrower has 5.43

LTV is less than guideline maximum - Required is 80 Borrower has 56.43

XXXX

QM: Safe Harbor APOR (APOR SH)

XXXX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

N/A

8473426

XXXX

10200458

Closed

FCRE1440

2026-04-03 08:59

2026-04-14 09:27

Resolved

1 - Information

Credit

Eligibility

Housing History Does Not Meet Guideline Requirements

Resolved-Received confirmation mortgage rating reflecting on supplement. - Due Diligence Vendor-04/08/2026
Ready for Review-Document Uploaded. XXXX- Seller-04/07/2026
Open-Housing History Does Not Meet Guideline Requirements 1003 REO 3C XXXX- Need mortgage history for the most recent 12 months - Due Diligence Vendor-04/03/2026

Ready for Review-Document Uploaded. XXXX- Seller-04/07/2026

Resolved-Received confirmation mortgage rating reflecting on supplement. - Due Diligence Vendor-04/08/2026

Qualifying DTI below maximum allowed - Required is 50 Borrower has 5.43

LTV is less than guideline maximum - Required is 80 Borrower has 56.43

XXXX

QM: Safe Harbor APOR (APOR SH)

XXXX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

N/A

8472650

XXXX

10200458

Closed

FCRE7497

2026-04-03 09:58

2026-04-10 13:44

Resolved

1 - Information

Credit

Missing Doc

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

Resolved-Received verification o f no insurance. - Due Diligence Vendor-04/10/2026
Ready for Review-Document Uploaded. EMAIL FROM BORROWER CONFIRMING NO INSURANCE POLICY ON XXXX. - Seller-04/08/2026
Counter-Received rebuttal HOI is unknown. Please provide LOE from borrower confirming no HOI in force (self insured) or provide current HOI policy with premium. - Due Diligence Vendor-04/08/2026
Ready for Review-Document Uploaded. 1. RE:XXXX - ENCLOSED IS AN UNDERWRITER CERT, THE PROPERTY PROFILE, AND TAX BILL ON THE PROPERTY
2. PITIA DOCS FOR XXXX
3. PITIA DOCS FOR XXXX
4. XXXX - Buyer-04/07/2026
Open-1003 - Section 3C -XXXX- Need copy of in force HOI - Due Diligence Vendor-04/03/2026

Ready for Review-Document Uploaded. EMAIL FROM BORROWER CONFIRMING NO INSURANCE POLICY ON XXXX - Seller-04/08/2026

Resolved-Received verification o f no insurance. - Due Diligence Vendor-04/10/2026

Qualifying DTI below maximum allowed - Required is 50 Borrower has 5.43

LTV is less than guideline maximum - Required is 80 Borrower has 56.43

XXXX

QM: Safe Harbor APOR (APOR SH)

XXXX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

N/A

8473806

XXXX

10200458

Closed

finding-3652

2026-04-02 18:32

2026-04-08 14:32

Resolved

1 - Information

Compliance

TRID

Lender Credits That Cannot Decrease Test

Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-04/08/2026
Ready for Review-Document Uploaded. FINAL CLOSING STATEMENT - RETAIL LOAN - ALL FEES WERE LENDER PAID FEES - LENDER CREDITS FLUCTUATE TO MATCH TOTAL FEES AMOUNT AT FINAL ALTA - - Seller-04/07/2026
Open-This loan failed the lender credits that cannot decrease 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). The final sum of specific and non-specific lender credits ($5,190.35) does not exceed or equal the comparable sum of specific and non-specific lender credits ($5,340.35). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). -----Lender credit decreased from $5,340.35 to $5,190.35 without a valid COC in file. Provide a COC for decrease OR evidence of refund to borrower or principal reduction in the amount of $150.00, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Reduction in Lender credits must be directly related to fees and must offset closing cost equally. Statute of Limitations 3 years- Expiration date is XXXX. PCCD XXXX showed a $469.00 Credit for Increase in Closing Costs above legal limit) - Due Diligence Vendor-04/02/2026

Ready for Review-Document Uploaded. FINAL CLOSING STATEMENT - RETAIL LOAN - ALL FEES WERE LENDER PAID FEES - LENDER CREDITS FLUCTUATE TO MATCH TOTAL FEES AMOUNT AT FINAL ALTA - - Seller-04/07/2026

Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-04/08/2026

Qualifying DTI below maximum allowed - Required is 50 Borrower has 5.43

LTV is less than guideline maximum - Required is 80 Borrower has 56.43

XXXX

QM: Safe Harbor APOR (APOR SH)

XXXX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

N/A

8463954

XXXX

10220147

QM: Safe Harbor APOR (APOR SH)

XXXX

Second Home

Refinance

Cash Out - Other