Seller

Loan ID

Seller Loan ID

Investor Loan ID

Queue

Created Date

Last Modified Date

Finding Status

Event Level

Initial Finding Grade

Current/Final Finding Grade

Finding Category

Finding Sub Category

Finding Name

Reviewer Comments

Seller Comments

Finding Resolution

Finding Document

Reviewer Comp Factors

Originator Comp Factors

State

Occupancy

Loan Purpose

Refinance Purpose

Unique Finding ID

Acknowledged / Waived By

Waiver in File?

XXXX

6117947

Closed

2024-04-18 12:14

2024-05-03 10:43

Waived

2 - Non-Material

Credit

Eligibility

Ineligible Borrower per program guidelines

Waived-ACC agrees to waive with comp factors - Due Diligence Vendor-XX/XX/XXXX

Resolved-Loan Guaranty provided by Lender. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. This is allowed with the guaranty. - Seller-XX/XX/XXXX

Open-Borrower Type ineligible per program guidelines. The Note was signed by Members of a LLC. Per Guidelines LLC, corporations and partnerships are ineligible borrowers. Please advise.

Thank you. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. This is allowed with the guaranty. - Seller-XX/XX/XXXX

XXXXXX-XXX XXXXXX XX XXXXX XXXX XXXX XXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_

XXXXXXXX-XXXX XXXXXXXX XXXXXXXX XX XXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_

XXXXXXX XXXXXXXX.XXX

XXXX XXX

XXXXXX XXXXXXXX XXX.XX

XXX XX%

XXXX

Investment

Purchase

1596218

Originator Post-Close

XXXX

6117953

Closed

2024-04-24 02:47

2024-05-01 09:20

Resolved

1 - Information

Compliance

Points & Fees

Higher-Priced Mortgage Loan Test

Resolved-This loan failed the higher-priced mortgage loan test. ( XX CFR § XXXX.XX(a)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg XXXand the Final Closing disclosure on Pg XXX reflects escrows. Rate lock date was entered correctly – see Pg XXX An interior and exterior appraisal was completed for this property – see pg XXX to XXX the appraisal disclosure was provided to the borrower(s)- see Pg XXX, and copy of the appraisal was given to the borrower – see Pg XX for the copy of the disclosure. The loan meets HPML guidelines. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXX-XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. ( XX XXX § XXXX.XX(X)(X) )XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX’X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXXXXXX XX XXXXXXXXX, XXXXXX XXXXXXXXXXX XXX XXXX XXXXXXXXXXX XX XX XX XXXXXX XXX XXXXX XXXXXXX XXXXXXXXXX XX XX XXX XXXXXXXX XXXXXXX. XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX – XXX XX XXX XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XX XXX XX XXX XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX(X)- XXX XX XXX, XXX XXXX XX XXX XXXXXXXXX XXX XXXXX XX XXX XXXXXXXX – XXX XX XX XXX XXX XXXX XX XXX XXXXXXXXXX. XXX XXXX XXXXX XXXX XXXXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_

XXXX

Primary Residence

Purchase

1612729

N/A

XXXX

6117953

Closed

2024-04-24 02:47

2024-05-01 09:20

Resolved

1 - Information

Compliance

TRID

Initial Closing Disclosure Delivery Date Test

Resolved- - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Initial CD was release XX/XX/XXXX, and review that same day - Buyer-XX/XX/XXXX

Open-This loan failed the initial closing disclosure delivery date test due to one of the following findings:( XX CFR §XXXX.XX(f)(X)(ii) )The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than six business days (counting all calendar days except 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 §XXXX.XX(f)(X)(i) no later than three business days before consummation. Initial closing Disclosure borrower signature is missing and no support document is available in file. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXX- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_

XXXXXXXXXX_XXXXXXXXX_XXXXXXX XX XXXXXXXXXX XXXXXXXX.XXX_XXXXX_

XXXXXXXXXX_XXXXXXXXX_XXXXXXX XX.XXX

XXXX

Primary Residence

Purchase

1612730

N/A

XXXX

4859246

Closed

2024-11-27 02:12

2025-01-31 09:42

Resolved

1 - Information

Credit

Missing Doc

HO6 Master Insurance Policy is Missing

Resolved-Subject is site CONDO, HO-X Master Insurance Policy not required. - Due Diligence Vendor-XX/XX/XXXX

Resolved-HO-X Master Insurance Policy is fully present - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-HOX not required on site condo. - Seller-XX/XX/XXXX

Open-Missing HO-X Master Insurance Policy - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-HOX not required on site condo. - Seller-XX/XX/XXXX

XXXXXXXX-XXXXXXX XX XXXX XXXXX, XX-X XXXXXX XXXXXXXXX XXXXXX XXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_

XXXXXXXX-XX-X XXXXXX XXXXXXXXX XXXXXX XX XXXXX XXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_

XXXX

Primary Residence

Refinance

Cash Out - Other

2892498

N/A

XXXX

4859246

Closed

2024-11-27 06:02

2025-01-31 09:41

Resolved

1 - Information

Credit

Title

Property Title Issue

Resolved-Property Title Issue Resolved - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Final title attached, all liens cleared. - Seller-XX/XX/XXXX

Open-Property Title Issue Open liens showing on title pg#XXX - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Final title attached, all liens cleared. - Seller-XX/XX/XXXX

XXXXXXXX-XXXXXXXX XXXXX XXXXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_

XXXX XXXXXX XXXXXXX-XXX.XXX

XXXX

Primary Residence

Refinance

Cash Out - Other

2893359

N/A

XXXX

4859246

Closed

2024-11-27 02:59

2025-01-15 17:43

Resolved

1 - Information

Compliance

TRID

Federal - Inaccurate Closing Disclosure APR - Redisclosure and Waiting Period

Resolved-PCCD updated to file. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-See prior condition and PCCD - emailed form was confirmed by client as received. We count X days from confirmed received date. - Seller-XX/XX/XXXX

Open-The Annual Percentage Rate of (XX.XXX%) on the Closing Disclosure is inaccurate. Under Regulation Z, if the APR is inaccurate, a consumer must receive a corrected Closing Disclosure no later than X business days before the consummation date of (XXXX-XX-XX). If corrected disclosures are delivered to a consumer other than in person, a consumer is deemed to have received them X business days after the corrected Closing Disclosure is mailed or delivered, unless there is evidence of earlier receipt by a consumer. (XX CFR XXXX.XX(f)(X)(ii)(A)); XXXX.XX(f)(X)(iii); XXXX.XX(f)(X)(ii)(A); XXXX.XX(a)(X)) Added Finding for CD discrepancy, as On pg#XX of Final CD, the Issue date is XX/XX/XXXX and Disbursement is XX/XX/XXXX, which is more than X-day business rule, requirement of TRID. Need clarification or updated documents to cure the compliance errors. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-See prior condition and PCCD - emailed form was confirmed by client as received. We count X days from confirmed received date. - Seller-XX/XX/XXXX

XXXXXXXX-XXXX XXXXXXX XX XXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_

XXXX

Primary Residence

Refinance

Cash Out - Other

2892589

N/A

XXXX

4859246

Closed

2024-11-27 02:59

2025-01-15 17:43

Resolved

1 - Information

Compliance

Tolerance:APR

Federal - Closed End APR Disclosure Tolerance (Regular)

Resolved-PCCD updated to file. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. PCCD attached. We compare final LE to final CD, changed in the middle do not count. - Seller-XX/XX/XXXX

Open-The disclosed APR (XX.XXX) is lower than the actual APR (XX.XXX) by more than .XXX%. The Truth in Lending Act considers a disclosed APR inaccurate if it is lower than the actual APR by more than .XXX% on a regular mortgage transaction. (XX CFR XXXX.XX(f), XXXX.XX(a)(X), & XXXX.XX(a)(X)) - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. PCCD attached. We compare final LE to final CD, changed in the middle do not count. - Seller-XX/XX/XXXX

XXXXXXXX-XXXX XXXXXXX XX XXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_

XXXXXX XXXX - XXX XXXXXX.XXX

XXXX

Primary Residence

Refinance

Cash Out - Other

2892592

N/A

XXXX

4859246

Closed

2024-11-27 02:59

2025-01-15 17:43

Acknowledged

2 - Non-Material

Compliance

Fees:Prohibited

Washington - Fees Allowed (Lender)(01/10)

Acknowledged- - Due Diligence Vendor-XX/XX/XXXX

Acknowledged-Confirmed with outside counsel that the state anti-predatory provisions in the Washington Consumer Loan Act (the “WA APL’s”) are originator level issues so there should not be any direct assignee liability/penalties associated with the WA APL’s. - Due Diligence Vendor-XX/XX/XXXX

Open-The Washington Consumer Loan Act prohibits any fee other than a Loan Origination Fee, Loan Discount, or Commitment (Rate Lock) Fee to be paid by the Borrower to the Lender. (RCW XX.XX.XXX(X); WAC XXX-XXX-XXX; WAC XXX-XXX-XXX(X)) All the fees and cost are updated as per TRID documents, but unable to resolve the state specific finding in mavent fail. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXXXXXX-XXXXXXXXX XXXX XXXXXXX XXXXXXX XXXX XXX XXXXX XXXX-XXXXXXXXX XXXXXXXXXX XX XXX XXXXXXXXXX XXXXXXXX XXXX XXX (XXX “XX XXX’X”) XXX XXXXXXXXXX XXXXX XXXXXX XX XXXXX XXXXXX XXX XX XXX XXXXXX XXXXXXXX XXXXXXXXX/XXXXXXXXX XXXXXXXXXX XXXX XXX XX XXX’X. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_

XXXX

Primary Residence

Refinance

Cash Out - Other

2892586

Originator Post-Close

XXXX

4859246

Closed

2024-11-27 02:59

2025-01-15 17:43

Resolved

1 - Information

Compliance

HigherPriced:APR

Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13)

Resolved-The loan's (XX.XXX%) APR equals or exceeds the Federal HPML threshold of (XX.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(iii)). This loan failed the higher-priced mortgage loan test. ( XX CFR § XXXX.XX(a)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow “on Closed end Seconds only. Final Closing disclosure on Pg#’s XX, Rate lock date was entered correctly – see Pg#’s XXX An interior and exterior appraisal was completed for this property – see pg#XX, ECOA Appraisal Disclosure OR the LE’s page as the page#XX and confirmation the appraisal was delivered to the borrower – see Pg#’s XXX. The loan meets HPML guidelines. Resolved.

- Due Diligence Vendor-XX/XX/XXXX

Open-The loan's (XX.XXX%) APR equals or exceeds the Federal HPML threshold of (XX.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(iii)) This loan failed the higher-priced mortgage loan test. ( XX CFR § XXXX.XX(a)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow “on Closed end Seconds only. Final Closing disclosure on Pg#’s XX, Rate lock date was entered correctly – see Pg#’s XXX An interior and exterior appraisal was completed for this property – see pg#XX, ECOA Appraisal Disclosure OR the LE’s page as the page#XX and confirmation the appraisal was delivered to the borrower – see Pg#’s XXX. The loan meets HPML guidelines. Resolved. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXX-XXX XXXX'X (XX.XXX%) XXX XXXXXX XX XXXXXXX XXX XXXXXXX XXXX XXXXXXXXX XX (XX.XX%). XXX XXXXXXXXX XX XXXXXXXXXX XX XXXXXX X.X XXXXXX XX XXX XXXXXXXXXX XXXXXXX XXXXX XXXXX XXXX XXXXX XX XXX "XXXX XXXX XXX XXXXXXXX XXXX XX XXX XXXXXX XXXXXXXXXXXX." XXX XXXXXXXXXX XXXX XXX XXXX XXXX XX (X.XX%).(XX XXX XXXX.XX(X)(X)(XXX)). XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. ( XX XXX § XXXX.XX(X)(X) )XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX’X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXX XX X XXXXXX XXX XXXXXX XXXX XXX XX XXX XXXXXXXX XX XXXXXX “XX XXXXXX XXX XXXXXXX XXXX. XXXXX XXXXXXX XXXXXXXXXX XX XX#’X XX, XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX – XXX XX#’X XXX XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XX#XX, XXXX XXXXXXXXX XXXXXXXXXX XX XXX XX’X XXXX XX XXX XXXX#XX XXX XXXXXXXXXXXX XXX XXXXXXXXX XXX XXXXXXXXX XX XXX XXXXXXXX – XXX XX#’X XXX. XXX XXXX XXXXX XXXX XXXXXXXXXX. XXXXXXXX.

- XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_

XXXX

Primary Residence

Refinance

Cash Out - Other

2892588

N/A

XXXX

4859246

Closed

2024-11-27 02:59

2025-01-15 17:43

Acknowledged

2 - Non-Material

Compliance

Fees:Limited

Washington - Maximum Lender Fees (01/09)

Acknowledged- - Due Diligence Vendor-XX/XX/XXXX

Open-Under the Washington Consumer Loan Act, a lender may not charge a "loan origination fee" exceeding X% of the first $XX,XXX and X% thereafter of the remaining loan amount. (RCW XX.XX.XXX(X); WAC XXX-XXX-XXX(X)). All the fees and cost are updated as per TRID documents, but unable to resolve the state specific finding in mavent fail. - Due Diligence Vendor-XX/XX/XXXX

XXXX

Primary Residence

Refinance

Cash Out - Other

2892591

Originator Post-Close

XXXX

4859246

Closed

2024-12-06 09:52

2025-01-15 17:43

Resolved

1 - Information

Compliance

Mavent

Tolerance: Disclosure

Resolved-PCCD updated to file. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-This is the XXXX Registration Fee, this was accurately disclosed and not paid to the lender. The fee was paid to XXXX. - Seller-XX/XX/XXXX

Open-There are ($XX.XX) of fees paid to the lender disclosed under Loan Estimate Section B "Services You Cannot Shop For" or Closing Disclosure Section B "Services Borrower Did Not Shop For". Under Regulation Z, charges included under Section B on the Loan Estimate and Closing Disclosure are charges the consumer will pay for settlement services for which the consumer cannot shop and did not shop that are provided by persons other than the creditor or mortgage broker. (XX CFR XXXX.XX(f)(X); XX CFR XXXX.XX(f)(X)) - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-This is the XXXX Registration Fee, this was accurately disclosed and not paid to the lender. The fee was paid to XXXX. - Seller-XX/XX/XXXX

XXXXXXXX-XXXX XXXXXXX XX XXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_

XXXX

Primary Residence

Refinance

Cash Out - Other

2950217

N/A

XXXX

4859246

Closed

2024-11-27 02:06

2025-01-15 17:05

Resolved

1 - Information

Property

Missing Doc

Second Appraisal/ Valuation is Missing

Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. XXXXXX XXX submitted. - Seller-XX/XX/XXXX

Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than X.X Secondary Valuation or Additional Valuation is missing and needed for securitization. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. XXXXXX XXX submitted. - Seller-XX/XX/XXXX

XXXXXXXX-XXXXXXXXX XXXXXXXXX XX XXXXXXXXXX XXXXXXXXX XX XXXXXXX XX XXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_

XXXXXX XXXXXX XXX.XXX

XXXX

Primary Residence

Refinance

Cash Out - Other

2892472

N/A

XXXX

4859246

Closed

2024-11-27 01:56

2025-01-15 16:57

Waived

2 - Non-Material

Credit

Missing Doc

Borrower 2 Gap Credit Report is Missing

Waived-Exception to allow for the non-usage of GAP Credit Report, the closing period was close enough to not warrant further review - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Exception form attached. - Seller-XX/XX/XXXX

Open-Borrower X Gap Credit Report is Missing GAP Report for Borrower X is missing - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Exception form attached. - Seller-XX/XX/XXXX

XXXXXX-XXXXXXXXX XX XXXXX XXX XXX XXX-XXXXX XX XXX XXXXXX XXXXXX, XXX XXXXXXX XXXXXX XXX XXXXX XXXXXX XX XXX XXXXXXX XXXXXXX XXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_

XXXXXX XXXXXXXXX XXXX X.XXX

XXXXXX XXXXX XX.XX% XXXXX XXXXXXX XX XX%

XXX XX.XX% XXXXX XXXXXXX XX XX%

XXXXXX XX XXXXXXXXX XX XXX XXXX XX XXXXX

XXXX

Primary Residence

Refinance

Cash Out - Other

2892454

Originator Post-Close

Yes

XXXX

4859246

Closed

2024-11-27 01:56

2025-01-15 16:56

Waived

2 - Non-Material

Credit

Missing Doc

Borrower 1 Gap Credit Report is Missing

Waived-Exception to allow for the non-usage of GAP Credit Report, the closing period was close enough to not warrant further review - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Exception Attached. - Seller-XX/XX/XXXX

Open-Borrower X Gap Credit Report is Missing GAP Report for Borrower X is missing - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Exception Attached. - Seller-XX/XX/XXXX

XXXXXX-XXXXXXXXX XX XXXXX XXX XXX XXX-XXXXX XX XXX XXXXXX XXXXXX, XXX XXXXXXX XXXXXX XXX XXXXX XXXXXX XX XXX XXXXXXX XXXXXXX XXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_

XXXXXX XXXXXXXXX XXXX X.XXX

XXXXXX XXXXX XX.XX% XXXXX XXXXXXX XX XX%

XXX XX.XX% XXXXX XXXXXXX XX XX%

XXXXXX XX XXXXXXXXX XX XXX XXXX XX XXXXX

XXXX

Primary Residence

Refinance

Cash Out - Other

2892453

Originator Post-Close

Yes

XXXX

4859246

Closed

2024-11-27 06:12

2025-01-15 16:50

Waived

2 - Non-Material

Credit

Missing underwriting exception form

Waived-Exception to allow for the mortgage lates this borrower has during the prior XX months. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Exception Form attached. - Seller-XX/XX/XXXX

Open-Primary/Current residence mortgage history on credit report is showing X lates payments within XX, months allowable Maximum XxXXxXX mortgage payment is allowable as per XXXXXXXXX. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Exception Form attached. - Seller-XX/XX/XXXX

XXXXXX-XXXXXXXXX XX XXXXX XXX XXX XXXXXXXX XXXXX XXXX XXXXXXXX XXX XXXXXX XXX XXXXX XX XXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_

XXXXXX XXXXXXXXX XXXX.XXX

XXXXXX XXXXX XX.XX% XXXXX XXXXXXX XX XX%

XXX XX.XX% XXXXX XXXXXXX XX XX%

XXXXXX XX XXXXXXXXX XX XXX XXXX, XX XXXXX

XXXX

Primary Residence

Refinance

Cash Out - Other

2893419

Originator Post-Close

Yes

XXXX

4859246

Closed

2024-11-27 05:57

2025-01-14 06:07

Resolved

1 - Information

Compliance

Missing Doc

The Deed of Trust is Missing

Resolved-As per the Title and DOT, only XXXXXXX XXXXXXX BX is vested, and BX XXXXXXX XXXXXX is used only for the qualifying purpose, so the DOT is signed only by XXXXXXX XXXXXXX. Hence the finding is not required. Verified—resolved. - Due Diligence Vendor-XX/XX/XXXX

Resolved-The Deed of Trust is Present - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-XXXXXXX XXXXXX is not an owner of the home, so he would only sign the note, not the DOT as the DOT only pertains to pledging of the owners of the collateral, and not all note borrowers are owners of the property. This was done correctly. - Seller-XX/XX/XXXX

Open-The Deed of Trust is Missing Borrower X XXXXXXX X XXXXXX name on DOT is missing. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXX-XX XXX XXX XXXXX XXX XXX, XXXX XXXXXXX XXXXXX XX XX XXXXXX, XXX XX XXXXXXX XXXXXX XX XXXX XXXX XXX XXX XXXXXXXXXX XXXXXXX, XX XXX XXX XX XXXXXX XXXX XX XXXXXXX XXXXXX. XXXXX XXX XXXXXXX XX XXX XXXXXXXX. XXXXXXXX—XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_

XXXXXXXX-XXX XXXX XX XXXXX XX XXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_

XXXX

Primary Residence

Refinance

Cash Out - Other

2893330

N/A

XXXX

4859246

Closed

2024-12-03 12:03

2024-12-06 09:52

Resolved

1 - Information

Compliance

Tolerance:Disclosure

Federal - Closing Disclosure Total of Payments Rescission Tolerance

Resolved-Resolved on compliance rerun - Due Diligence Vendor-XX/XX/XXXX

Open-The disclosed Total of Payments ($XXX,XXX.XX) is understated more than the greater of $XXX or X/X of X% of the note amount when compared to the actual Total of Payments of ($XXX,XXX.XX). The difference is ($XXX,XXX.XX). For loans subject to the right of rescission, Regulation Z considers the disclosed Total of Payments inaccurate if it is understated by more than X/X of X percent of the face amount of the note ($XXX.XX) or $XXX, whichever is greater. (XX CFR XXXX.XX(g)(X)(ii)) . - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXX-XXXXXXXX XX XXXXXXXXXX XXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_

XXXX

Primary Residence

Refinance

Cash Out - Other

2921496

N/A

XXXX

4859246

Closed

2024-12-03 12:03

2024-12-06 09:52

Resolved

1 - Information

Compliance

Tolerance:FinanceCharge

Federal - Finance Charge Disclosure Tolerance (Closed End)

Resolved-Resolved on compliance rerun - Due Diligence Vendor-XX/XX/XXXX

Open-The disclosed finance charge ($XXX,XXX.XX) is ($XXX,XXX.XX) below the actual finance charge($XXX,XXX.XX). The Truth in Lending Act considers the disclosed finance charge inaccurate if it is more than $XXX below the actual finance charge. (XX CFR XXXX.XX(d)(X); XXX XX(c)(X)(ii)-X) . - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXX-XXXXXXXX XX XXXXXXXXXX XXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_

XXXX

Primary Residence

Refinance

Cash Out - Other

2921501

N/A

XXXX

4859246

Closed

2024-12-03 12:03

2024-12-06 09:52

Resolved

1 - Information

Compliance

Tolerance:Disclosure

Federal - Closing Disclosure Total of Payments Foreclosure Rescission Tolerance

Resolved-Resolved on compliance rerun - Due Diligence Vendor-XX/XX/XXXX

Open-The disclosed Total of Payments ($XXX,XXX.XX) is understated by more than $XX when compared to the actual Total of Payments of ($XXX,XXX.XX). The difference is ($XXX,XXX.XX). After the initiation of foreclosure on the consumer's principal dwelling that secures the credit obligation, Regulation Z considers the disclosed Total of Payments inaccurate if it is understated by more than $XX. (XX CFR XXXX.XX(h)(X)(ii)) . - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXX-XXXXXXXX XX XXXXXXXXXX XXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_

XXXX

Primary Residence

Refinance

Cash Out - Other

2921495

N/A

XXXX

4859246

Closed

2024-12-03 12:03

2024-12-06 09:52

Resolved

1 - Information

Compliance

Tolerance:FinanceCharge

Federal - Foreclosure Rescission Finance Charge Tolerance

Resolved-Resolved on compliance rerun - Due Diligence Vendor-XX/XX/XXXX

Open-The disclosed finance charge ($XXX,XXX.XX) is ($XXX,XXX.XX) below the actual finance charge ($XXX,XXX.XX). For rescission after initiation of foreclosure, the Truth in Lending Act considers the disclosed finance charge inaccurate if it is more than $XX below the actual finance charge. (XX XXX Sec. XXXX(i)(X); XXX XX(c)(X)(ii)-X) . - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXX-XXXXXXXX XX XXXXXXXXXX XXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_

XXXX

Primary Residence

Refinance

Cash Out - Other

2921497

N/A

XXXX

4859246

Closed

2024-12-03 12:03

2024-12-06 09:52

Resolved

1 - Information

Compliance

Tolerance:FinanceCharge

Federal - Closed End Finance Charge Rescission Tolerance

Resolved-Resolved on compliance rerun - Due Diligence Vendor-XX/XX/XXXX

Open-The disclosed finance charge ($XXX,XXX.XX) is less than the actual finance charge ($XXX,XXX.XX) by ($XXX,XXX.XX). For rescission purposes, the Truth in Lending Act considers the finance charge inaccurate if it is understated by more than half of X% of the note amount ($XXX.XX) or $XXX, whichever is greater. (XX CFR XXXX.XX(g); OSC XX(c)(X)(ii)-X) . - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXX-XXXXXXXX XX XXXXXXXXXX XXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_

XXXX

Primary Residence

Refinance

Cash Out - Other

2921498

N/A

XXXX

4859246

Closed

2024-11-27 05:23

2024-12-05 10:29

Resolved

1 - Information

Compliance

Missing Doc

TRID: Missing Closing Disclosure

Resolved-TRID: Final Closing Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX

Open-TRID: Missing Final Closing Disclosure On pg#XX of Final CD, the Issue date is XX/XX/XXXX and Disbursement is XX/XX/XXXX. PCCD disbursement date showing to be X/X/XXXX. Need clarification or updated documents to cure the compliance errors. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXX-XXXX: XXXXX XXXXXXX XXXXXXXXXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_

XXXX

Primary Residence

Refinance

Cash Out - Other

2893151

N/A

XXXX

4859246

Seller

2024-11-27 06:06

2025-02-06 11:01

Counter

3 - Material

Compliance

Missing Doc

The Final 1003 is Incomplete

Counter-Currently being reviewed by investor as Client states unable to Resolve - Due Diligence Vendor-XX/XX/XXXX

Unable to Resolve-Unable to Resolve-Submitted docs are what we have. - Seller-XX/XX/XXXX

Counter-We need a corrected XXXX. The Final XXXX is Incomplete XXXX showing XXX Xst lien mortgage being paid off on XXXX under real estate owned section. This is not correct, mortgage being paid off was Sec of HUD lien which needs to be denoted as being paid off. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-The partial claim balance is not material to the loan file, these are deferred balances that just get added to the final SS at closing. This is not material to the loan file. - Seller-XX/XX/XXXX

Open-The Final XXXX is Incomplete XXXX showing XXX Xst lien mortgage being paid off on XXXX under real estate owned section. This is not correct, mortgage being paid off was Sec of HUD lien which needs to be denoted as being paid off. - Due Diligence Vendor-XX/XX/XXXX

Unable to Resolve-Unable to Resolve-Submitted docs are what we have. - Seller-XX/XX/XXXX

_XXXXX_

XXXX

Primary Residence

Refinance

Cash Out - Other

2893383

N/A

XXXX

4859246

Seller

2024-12-03 12:03

2025-02-06 11:01

Counter

3 - Material

Compliance

Tolerance:Disclosure

Federal - Inaccurate Loan Product - Redisclosure and Waiting Period

Counter-Currently being reviewed by investor as Client states unable to Resolve - Due Diligence Vendor-XX/XX/XXXX

Unable to Resolve-Unable to Resolve-Submitted docs are what we have. - Seller-XX/XX/XXXX

Counter-The Loan Product of (Fixed Rate) on the Closing Disclosure is inaccurate. The actual Loan Product is (Fixed Rate). Under Regulation Z, if the Loan Product is inaccurate, a consumer must receive corrected Closing Disclosures no later than X business days before the consummation date of (XXXX-XX-XX). If a corrected Closing Disclosure is delivered to a consumer other than in person, a consumer is deemed to have received it X business days after the corrected Closing Disclosure is mailed or delivered, unless there is evidence of earlier receipt by a consumer. (XX CFR XXXX.XX(f)(X)(ii)(A)); XXXX.XX(f)(X)(iii); XXXX.XX(f)(X)(ii)(B)) - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Loan was a fixed rate the entire time? - Seller-XX/XX/XXXX

Open-The Loan Product of (Fixed Rate) on the Closing Disclosure is inaccurate. The actual Loan Product is (Fixed Rate). Under Regulation Z, if the Loan Product is inaccurate, a consumer must receive corrected Closing Disclosures no later than X business days before the consummation date of (XXXX-XX-XX). If a corrected Closing Disclosure is delivered to a consumer other than in person, a consumer is deemed to have received it X business days after the corrected Closing Disclosure is mailed or delivered, unless there is evidence of earlier receipt by a consumer. (XX CFR XXXX.XX(f)(X)(ii)(A)); XXXX.XX(f)(X)(iii); XXXX.XX(f)(X)(ii)(B)) - Due Diligence Vendor-XX/XX/XXXX

Open-The Loan Product of (Fixed Rate) on the Closing Disclosure is inaccurate. The actual Loan Product is (Negative Amortization, Fixed Rate). Under Regulation Z, if the Loan Product is inaccurate, a consumer must receive corrected Closing Disclosures no later than X business days before the consummation date of (XXXX-XX-XX). If a corrected Closing Disclosure is delivered to a consumer other than in person, a consumer is deemed to have received it X business days after the corrected Closing Disclosure is mailed or delivered, unless there is evidence of earlier receipt by a consumer. (XX CFR XXXX.XX(f)(X)(ii)(A)); XXXX.XX(f)(X)(iii); XXXX.XX(f)(X)(ii)(B)) . - Due Diligence Vendor-XX/XX/XXXX

Unable to Resolve-Unable to Resolve-Submitted docs are what we have. - Seller-XX/XX/XXXX

Ready for Review-Loan was a fixed rate the entire time? - Seller-XX/XX/XXXX

_XXXXX_

XXXX

Primary Residence

Refinance

Cash Out - Other

2921499

N/A

XXXX

4859246

Seller

2024-12-03 15:19

2025-02-06 11:01

Counter

2 - Non-Material

Credit

Property potentially affected by FEMA Disaster(s) PUBLIC ASSISTANCE AREA

Counter-Currently being reviewed by investor as Client states unable to Resolve - Due Diligence Vendor-XX/XX/XXXX

Unable to Resolve-Unable to Resolve-Submitted docs are what we have. - Seller-XX/XX/XXXX

Counter-First appraisal was completed XX/XX/XXXX prior to FEMA disaster zone XXXX - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-This was after closing, and the area was not affected. We verified home was not affected. - Seller-XX/XX/XXXX

Open-Property potentially affected by FEMA Disaster ID XXXX. XXX - Declared XX/XX/XXXX with an Incident End Date of XXXX-XX-XX with Public Assistance: YES and Individual Assistance: NO. Property inspection with exterior photos required. - Due Diligence Vendor-XX/XX/XXXX

Unable to Resolve-Unable to Resolve-Submitted docs are what we have. - Seller-XX/XX/XXXX

Ready for Review-This was after closing, and the area was not affected. We verified home was not affected. - Seller-XX/XX/XXXX

_XXXXX_

XXXX

Primary Residence

Refinance

Cash Out - Other

2923857

N/A

XXXX

4859246

Seller

2024-12-04 09:39

2025-02-06 11:01

Counter

3 - Material

Compliance

Mavent

Tolerance: Disclosure

Counter-Currently being reviewed by investor as Client states unable to Resolve - Due Diligence Vendor-XX/XX/XXXX

Unable to Resolve-Unable to Resolve-Submitted docs are what we have. - Seller-XX/XX/XXXX

Counter-The Last CD sent on (XXXX-XX-XX) and Prior CDX sent on (XXXX-XX-XX) were not received at least X business days before closing. The Initial CD was received at least X business days before closing. The Initial CD (XX.XXX%) APR is inaccurate when compared to the (XX.XXX%) actual APR. If the APR is inaccurate, a consumer must receive a corrected CD no later than (XXXXXXXX), which is X business days before the (XXXX-XX-XX) Consummation Date. If a corrected CD is not provided in person, a consumer is deemed to have received it X business days after the corrected CD is mailed or delivered, unless there is evidence of earlier receipt. The APR on the CD a consumer receives at closing must be accurate when compared to the APR on the CD received at least X business days before closing and the actual APR. (XX CFR XXXX.XX(f)(X)(ii)(A); OSC XX(f)(X)(ii)-X) - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Initial XX/XX CD emailed to borrower, and confirmed receipt per email was XX/XX. This was done in compliance, while emailed, the waiting period of X days counts from the time of receipt, and we obtained an email confirming receipt. - Seller-XX/XX/XXXX

Open-The Last CD sent on (XXXX-XX-XX) and Prior CDX sent on (XXXX-XX-XX) were not received at least X business days before closing. The Initial CD was received at least X business days before closing. The Initial CD (XX.XXX%) APR is inaccurate when compared to the (XX.XXX%) actual APR. If the APR is inaccurate, a consumer must receive a corrected CD no later than (XXXXXXXX), which is X business days before the (XXXX-XX-XX) Consummation Date. If a corrected CD is not provided in person, a consumer is deemed to have received it X business days after the corrected CD is mailed or delivered, unless there is evidence of earlier receipt. The APR on the CD a consumer receives at closing must be accurate when compared to the APR on the CD received at least X business days before closing and the actual APR. (XX CFR XXXX.XX(f)(X)(ii)(A); OSC XX(f)(X)(ii)-X) - Due Diligence Vendor-XX/XX/XXXX

Unable to Resolve-Unable to Resolve-Submitted docs are what we have. - Seller-XX/XX/XXXX

_XXXXX_

XXXX

Primary Residence

Refinance

Cash Out - Other

2929065

N/A

XXXX

4859246

Seller

2024-12-06 09:52

2025-02-06 11:01

Counter

3 - Material

Compliance

TRID

Federal - Corrected Closing Disclosure (Loan Product)(Last CD not in Person)

Counter-Currently being reviewed by investor as Client states unable to Resolve - Due Diligence Vendor-XX/XX/XXXX

Unable to Resolve-Unable to Resolve-Submitted docs are what we have. - Seller-XX/XX/XXXX

Counter-The Loan Product of (Fixed Rate) on the last Closing Disclosure does not match the system calculated Loan Product of (Fixed Rate). The last Closing Disclosure was provided on (XXXX-XX-XX) via (Other), which is not at least X business days before the consummation date of (XXXX-XX-XX). Under Regulation Z, if the Loan Product is inaccurate, a consumer must receive corrected Closing Disclosures no later than X business days before the consummation date of (XXXX-XX-XX). If a corrected Closing Disclosure is not provided in person, a consumer is deemed to have received it X business days after the corrected Closing Disclosure is mailed or delivered, unless there is evidence of earlier receipt by a consumer. (XX CFR XXXX.XX(f)(X)(ii)(B); OSC XX(f)(X)(ii)-X) - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Loan was a fixed rate the entire time. - Seller-XX/XX/XXXX

Open-The Loan Product of (Fixed Rate) on the last Closing Disclosure does not match the system calculated Loan Product of (Fixed Rate). The last Closing Disclosure was provided on (XXXX-XX-XX) via (Other), which is not at least X business days before the consummation date of (XXXX-XX-XX). Under Regulation Z, if the Loan Product is inaccurate, a consumer must receive corrected Closing Disclosures no later than X business days before the consummation date of (XXXX-XX-XX). If a corrected Closing Disclosure is not provided in person, a consumer is deemed to have received it X business days after the corrected Closing Disclosure is mailed or delivered, unless there is evidence of earlier receipt by a consumer. (XX CFR XXXX.XX(f)(X)(ii)(B); OSC XX(f)(X)(ii)-X) - Due Diligence Vendor-XX/XX/XXXX

Unable to Resolve-Unable to Resolve-Submitted docs are what we have. - Seller-XX/XX/XXXX

Ready for Review-Loan was a fixed rate the entire time. - Seller-XX/XX/XXXX

_XXXXX_

XXXX

Primary Residence

Refinance

Cash Out - Other

2950215

N/A

XXXX

4859246

Seller

2025-01-15 17:43

2025-02-06 11:01

Counter

3 - Material

Compliance

TRID

Federal - Corrected Closing Disclosure Prior Disclosed APR and Last CD Not In Person

Counter-Currently being reviewed by investor as Client states unable to Resolve - Due Diligence Vendor-XX/XX/XXXX

Unable to Resolve-Unable to Resolve-Submitted docs are what we have. - Seller-XX/XX/XXXX

Open-The Last Closing Disclosure was provided on (XXXX-XX-XX) via (Other), which is not at least X business days before the consummation date of (XXXX-XX-XX). The (XX.XXX) APR disclosed on the Prior Closing Disclosure provided on (XXXX-XX-XX) is inaccurate when compared to the actual APR of (XX.XXX). Under Regulation Z, if the APR is inaccurate, a consumer must receive corrected Closing Disclosures no later than X business days before the consummation date of (XXXX-XX-XX). If a corrected Closing Disclosure is not provided in person, a consumer is deemed to have received it X business days after the corrected Closing Disclosure is mailed or delivered, unless there is evidence of earlier receipt by a consumer. (XX CFR XXXX.XX(f)(X)(ii)(A); OSC XX(f)(X)(ii)-X) - Due Diligence Vendor-XX/XX/XXXX

Unable to Resolve-Unable to Resolve-Submitted docs are what we have. - Seller-XX/XX/XXXX

_XXXXX_

XXXX

Primary Residence

Refinance

Cash Out - Other

3216175

N/A

XXXX

4859246

Seller

2025-01-15 17:43

2025-02-06 11:01

Counter

3 - Material

Compliance

TRID

Federal - Corrected Closing Disclosure Prior and (Last CD Not In Person)(APR)

Counter-Currently being reviewed by investor as Client states unable to Resolve - Due Diligence Vendor-XX/XX/XXXX

Unable to Resolve-Unable to Resolve-Submitted docs are what we have. - Seller-XX/XX/XXXX

Open-The Last Closing Disclosure was provided on (XXXX-XX-XX) via (Other), which is not at least X business days before the consummation date of (XXXX-XX-XX). The (XX.XXX) APR disclosed on the Prior Closing Disclosure provided on (XXXX-XX-XX) is inaccurate when compared to the Last Disclosed Closing Disclosure APR (XX.XXX). Under Regulation Z, if the APR is inaccurate, a consumer must receive corrected Closing Disclosures no later than X business days before the consummation date of (XXXX-XX-XX). If a corrected Closing Disclosure is not provided in person, a consumer is deemed to have received it X business days after the corrected Closing Disclosure is mailed or delivered, unless there is evidence of earlier receipt by a consumer. (XX CFR XXXX.XX(f)(X)(ii)(A); OSC XX(f)(X)(ii)-X) - Due Diligence Vendor-XX/XX/XXXX

Unable to Resolve-Unable to Resolve-Submitted docs are what we have. - Seller-XX/XX/XXXX

_XXXXX_

XXXX

Primary Residence

Refinance

Cash Out - Other

3216176

N/A

XXXX

4859246

Seller

2025-01-15 17:43

2025-02-06 11:01

Counter

3 - Material

Compliance

Mavent

Tolerance: Disclosure

Counter-Currently being reviewed by investor as Client states unable to Resolve - Due Diligence Vendor-XX/XX/XXXX

Unable to Resolve-Unable to Resolve-Submitted docs are what we have. - Seller-XX/XX/XXXX

Open-The Last CD sent on (XXXX-XX-XX) and Prior CDX sent on (XXXX-XX-XX) were not received at least X business days before closing. The Initial CD was received at least X business days before closing. The Last CD (XX.XXX%) APR is inaccurate when compared to the Initial CD (XX.XXX%) APR. If the APR is inaccurate, a consumer must receive a corrected CD no later than (XXXXXXXX), which is X business days before the (XXXX-XX-XX) Consummation Date. If a corrected CD is not provided in person, a consumer is deemed to have received it X business days after the corrected CD is mailed or delivered, unless there is evidence of earlier receipt. The APR on the CD a consumer receives at closing must be accurate when compared to the APR on the CD received at least X business days before closing and the actual APR. (XX CFR XXXX.XX(f)(X)(ii)(A); OSC XX(f)(X)(ii)-X) - Due Diligence Vendor-XX/XX/XXXX

Unable to Resolve-Unable to Resolve-Submitted docs are what we have. - Seller-XX/XX/XXXX

_XXXXX_

XXXX

Primary Residence

Refinance

Cash Out - Other

3216177

N/A

XXXX

4859246

Seller

2024-11-27 05:55

2025-01-31 11:02

Counter

3 - Material

Credit

Missing Doc

1008 Document is Missing

Counter-The XXXX document is missing from the loan file. X. Risk Assessment on XXXX is showing Manual Underwriting, AUS and other marked as Portfolio Fixed - Approved, Should just say Manual UW. X. HCLTV is missing. X. Representative Credit/Indicator Score FICO of XXX is incorrect should be XXX. X. All other monthly on XXXX is showing X.XX, but borrower X liabilities still in open not being payoff which is $XXX per credit report. X. Missing HOA dues of $XXX per Appraisal. Home owner insurance monthly amount is incorrect, should be $XXX monthly $XXXX/XX = $XXX per page XXX. Calculated DTI's per Diligence screen are XX.XX / XX.XX. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Corrected XXXX attached. - Seller-XX/XX/XXXX

Counter-We need to obtain a corrected XXXX. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Your figures are correct, CLTV should be XX.XX and credit score should be XXX, and use your DTI. Our system for whatever reason duplicates secondary finance balances as a glitch. - Seller-XX/XX/XXXX

Open-The XXXX document is missing from the loan file. X. Risk Assessment on XXXX is showing Manual Underwriting, AUS and other marked as Portfolio Fixed - Approved

X. CLTV on XXXX is showing XX.XXX%, whereas we can proof only XX.XX%. Considered unpaid balance from mortgage statement pg#XXX, Required clarification on how the CLTV is calculated. HCLTV is missing. P&I payment on Xnd lien is inaccurate. FICO of XXX is incorrect. FICO per tape data is XXX which matches CBR for primary wage earner.

X. All other monthly on XXXX is showing X.XX, but borrower X liabilities still in open not being payoff, which shows calculated DTI as XX.XX%. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Corrected XXXX attached. - Seller-XX/XX/XXXX

_XXXXX_

XXXXXX XXXXXXXXX XXXX.XXX

XXXX

Primary Residence

Refinance

Cash Out - Other

2893323

N/A

XXXX

4859256

Closed

2024-12-04 17:32

2025-01-15 11:06

Resolved

1 - Information

Property

Value

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

Resolved-Secondary value received - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Fannie SSR Attached. - Seller-XX/XX/XXXX

Open-Secondary Valuation or Additional Valuation has not been entered per securitization requirements - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Fannie SSR Attached. - Seller-XX/XX/XXXX

XXXXXXXX-XXXXXXXXX XXXXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_

XXXXXXXX XXXXXX XXX.XXX

XXXX

Primary Residence

Refinance

Cash Out - Other

2933731

N/A

XXXX

4859256

Closed

2024-12-03 05:13

2024-12-17 16:25

Acknowledged

2 - Non-Material

Compliance

Fees:Prohibited

Washington - Fees Allowed (Lender)(01/10)

XXXX

Primary Residence

Refinance

Cash Out - Other

2916381

Originator Post-Close

XXXX

4859256

Closed

2024-12-03 05:13

2024-12-17 16:25

Acknowledged

2 - Non-Material

Compliance

Fees:Limited

Washington - Maximum Lender Fees (01/09)

XXXX

Primary Residence

Refinance

Cash Out - Other

2916385

Originator Post-Close

XXXX

4859256

Seller

2026-04-11 15:23

2026-04-11 15:32

Open

3 - Material

Credit

Property potentially affected by FEMA Disaster(s) INDIVIDUAL ASSISTANCE AREA

Open-Property potentially affected by FEMA Disaster ID XXXX. XXX - Declared XX/XX/XXXX with an Incident End Date of XXXX-XX-XX with Public Assistance: YES and Individual Assistance: YES. Property inspection with exterior photos required. - Due Diligence Vendor-XX/XX/XXXX

_XXXXX_

XXXX

Primary Residence

Refinance

Cash Out - Other

8610022

N/A

XXXX

4859256

Seller

2024-12-04 17:16

2025-09-08 14:30

Counter

3 - Material

Credit

Missing Doc

Borrower 1 3rd Party VOE Prior to Close Missing

Counter-Per G/L's as well as falling back to FNMA G/L's if Lender guides do not address. VOE is required to verify consistent employment. If done by phone, requirements are that it be documented in a processors cert with the following information included - name and title of the person who confirmed the employment for the lender. X. Name and title of the person who completed the verification for the employer, X. Date of the call, and X. The source of the phone number. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Funding VOE not required per guidelines. - Seller-XX/XX/XXXX

Open-Borrower X Xrd Party VOE Prior to Close is missing verification date. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Funding VOE not required per guidelines. - Seller-XX/XX/XXXX

_XXXXX_

XXXX

Primary Residence

Refinance

Cash Out - Other

2933700

N/A

XXXX

4859256

Seller

2024-12-04 17:16

2025-09-08 14:30

Counter

3 - Material

Credit

Missing Doc

Borrower 2 3rd Party VOE Prior to Close Missing

Ready for Review-Funding VOE not required per guidelines. - Seller-XX/XX/XXXX

Open-Borrower X Xrd Party VOE Prior to Close is missing verification date. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Funding VOE not required per guidelines. - Seller-XX/XX/XXXX

_XXXXX_

XXXX

Primary Residence

Refinance

Cash Out - Other

2933701

N/A

XXXX

4859256

Seller

2024-12-04 18:28

2025-01-30 11:01

Counter

3 - Material

Credit

DTI discrepancy or failure.

Counter-I will need a corrected XXXX in order to remove BX income with U/W comments. Per G/L's - Standard Debt-to-Income (“DTI”) maximums are XX%, underwriters may approve files up to XX% with positive circumstances that justify the higher usage. Any file over XX% DTI must include a reduction of overall expenses by the borrower. Special care should be given when approving a DTI over XX%, the file should contain the reason and borrower benefit when approving files for greater than XX% debt ratio. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Just delete all of BX's income. This will put DTI at XX%, still within guidelines as payment has been reduced. - Seller-XX/XX/XXXX

Counter-Borrower X BI-WEEKLY pay per paystubs is $XXX.XXX XX pay periods = $XX,XXX.XX / XX months =$X,XXX.XX monthly qualifying income per paystubs. Income calculation worksheet page XXX is showing $X,XXX.XX bi-weekly. Where is the additional $XXX.XX coming from as this is not supported? Need a corrected income analysis worksheet. Understood this is not her normal pay but this is what the paystubs are showing and borrower needs to qualify on current income as no determination at this time when borrower will return to work. Appears borrower has been on leave for the entire year as paystubs showing YTD earnings are entirely leave pay. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-The XXX.XX is while on leave, the pay is what we had. Notice on paystubs it shows "leave" that is not her normal pay. - Seller-XX/XX/XXXX

Open-DTI failure - Borrower X BI-WEEKLY pay per paystubs is $XXX.XXX XX pay periods / XX mos =$X,XXX.XX Qualifying income per paystubs. Income calculation worksheet page XXX is showing $X,XXX.XX bi-weekly. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Just delete all of BX's income. This will put DTI at XX%, still within guidelines as payment has been reduced. - Seller-XX/XX/XXXX

Ready for Review-The XXX.XX is while on leave, the pay is what we had. Notice on paystubs it shows "leave" that is not her normal pay. - Seller-XX/XX/XXXX

_XXXXX_

XXXX

Primary Residence

Refinance

Cash Out - Other

2933828

N/A

XXXX

4859256

Closed

2024-12-03 05:13

2024-12-06 12:37

Resolved

1 - Information

Compliance

HigherPriced:APR

Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13)

Resolved-The loan's (XX.XXX%) APR equals or exceeds the Federal HPML threshold of (XX.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(iii)) The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(iii)) The comparable APOR for this loan is (X.X%).(XX CFR XXXX.XX(a)(X)(iii)) The loan's (XX.XXX%) APR equals or exceeds the Federal HPML threshold of (XX.X%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.X%).(XX CFR XXXX.XX(a)(X)(iii)) This loan failed the higher-priced mortgage loan test. ( XX CFR § XXXX.XX(a)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow “on Closed end Seconds only, Final CD page XX. Rate lock date was entered correctly – see Pg#’s XXX An interior and exterior appraisal was completed for this property – see pg#XX, ECOA Appraisal Disclosure provided on page XXX. The copy of appraisal sent to borrower confirmation page XXX. The loan meets HPML guidelines. Resolved.

- Due Diligence Vendor-XX/XX/XXXX

Resolved-The loan's (XX.XXX%) APR equals or exceeds the Federal HPML threshold of (XX.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(iii)) The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(iii)) The comparable APOR for this loan is (X.X%).(XX CFR XXXX.XX(a)(X)(iii)) The loan's (XX.XXX%) APR equals or exceeds the Federal HPML threshold of (XX.X%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.X%).(XX CFR XXXX.XX(a)(X)(iii)) This loan failed the higher-priced mortgage loan test. ( XX CFR § XXXX.XX(a)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow “on Closed end Seconds only, Final CD page XX. Rate lock date was entered correctly – see Pg#’s XXX An interior and exterior appraisal was completed for this property – see pg#XX, ECOA Appraisal Disclosure provided on page XXX. The copy of appraisal sent to borrower confirmation page XXX. The loan meets HPML guidelines. Resolved. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXX-XXX XXXX'X (XX.XXX%) XXX XXXXXX XX XXXXXXX XXX XXXXXXX XXXX XXXXXXXXX XX (XX.XX%). XXX XXXXXXXXX XX XXXXXXXXXX XX XXXXXX X.X XXXXXX XX XXX XXXXXXXXXX XXXXXXX XXXXX XXXXX XXXX XXXXX XX XXX "XXXX XXXX XXX XXXXXXXX XXXX XX XXX XXXXXX XXXXXXXXXXXX." XXX XXXXXXXXXX XXXX XXX XXXX XXXX XX (X.XX%).(XX XXX XXXX.XX(X)(X)(XXX)) XXX XXXXXXXXXX XXXX XXX XXXX XXXX XX (X.XX%).(XX XXX XXXX.XX(X)(X)(XXX)) XXX XXXXXXXXXX XXXX XXX XXXX XXXX XX (X.X%).(XX XXX XXXX.XX(X)(X)(XXX)) XXX XXXX'X (XX.XXX%) XXX XXXXXX XX XXXXXXX XXX XXXXXXX XXXX XXXXXXXXX XX (XX.X%). XXX XXXXXXXXX XX XXXXXXXXXX XX XXXXXX X.X XXXXXX XX XXX XXXXXXXXXX XXXXXXX XXXXX XXXXX XXXX XXXXX XX XXX "XXXX XXXX XXX XXXXXXXX XXXX XX XXX XXXXXX XXXXXXXXXXXX." XXX XXXXXXXXXX XXXX XXX XXXX XXXX XX (X.X%).(XX XXX XXXX.XX(X)(X)(XXX)) XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. ( XX XXX § XXXX.XX(X)(X) )XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX’X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXX XX X XXXXXX XXX XXXXXX XXXX XXX XX XXX XXXXXXXX XX XXXXXX “XX XXXXXX XXX XXXXXXX XXXX, XXXXX XX XXXX XX. XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX – XXX XX#’X XXX XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XX#XX, XXXX XXXXXXXXX XXXXXXXXXX XXXXXXXX XX XXXX XXX. XXX XXXX XX XXXXXXXXX XXXX XX XXXXXXXX XXXXXXXXXXXX XXXX XXX. XXX XXXX XXXXX XXXX XXXXXXXXXX. XXXXXXXX.

- XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_

XXXXXXXX-XXX XXXX'X (XX.XXX%) XXX XXXXXX XX XXXXXXX XXX XXXXXXX XXXX XXXXXXXXX XX (XX.XX%). XXX XXXXXXXXX XX XXXXXXXXXX XX XXXXXX X.X XXXXXX XX XXX XXXXXXXXXX XXXXXXX XXXXX XXXXX XXXX XXXXX XX XXX "XXXX XXXX XXX XXXXXXXX XXXX XX XXX XXXXXX XXXXXXXXXXXX." XXX XXXXXXXXXX XXXX XXX XXXX XXXX XX (X.XX%).(XX XXX XXXX.XX(X)(X)(XXX)) XXX XXXXXXXXXX XXXX XXX XXXX XXXX XX (X.XX%).(XX XXX XXXX.XX(X)(X)(XXX)) XXX XXXXXXXXXX XXXX XXX XXXX XXXX XX (X.X%).(XX XXX XXXX.XX(X)(X)(XXX)) XXX XXXX'X (XX.XXX%) XXX XXXXXX XX XXXXXXX XXX XXXXXXX XXXX XXXXXXXXX XX (XX.X%). XXX XXXXXXXXX XX XXXXXXXXXX XX XXXXXX X.X XXXXXX XX XXX XXXXXXXXXX XXXXXXX XXXXX XXXXX XXXX XXXXX XX XXX "XXXX XXXX XXX XXXXXXXX XXXX XX XXX XXXXXX XXXXXXXXXXXX." XXX XXXXXXXXXX XXXX XXX XXXX XXXX XX (X.X%).(XX XXX XXXX.XX(X)(X)(XXX)) XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. ( XX XXX § XXXX.XX(X)(X) )XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX’X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXX XX X XXXXXX XXX XXXXXX XXXX XXX XX XXX XXXXXXXX XX XXXXXX “XX XXXXXX XXX XXXXXXX XXXX, XXXXX XX XXXX XX. XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX – XXX XX#’X XXX XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XX#XX, XXXX XXXXXXXXX XXXXXXXXXX XXXXXXXX XX XXXX XXX. XXX XXXX XX XXXXXXXXX XXXX XX XXXXXXXX XXXXXXXXXXXX XXXX XXX. XXX XXXX XXXXX XXXX XXXXXXXXXX. XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_

XXXX

Primary Residence

Refinance

Cash Out - Other

2916383

N/A

XXXX

4859261

Closed

2024-12-02 23:49

2024-12-17 16:25

Acknowledged

2 - Non-Material

Compliance

Fees:Prohibited

Washington - Fees Allowed (Lender)(01/10)

XXXX

Primary Residence

Refinance

Cash Out - Other

2915550

Originator Post-Close

XXXX

4859261

Closed

2024-12-02 23:49

2024-12-17 16:25

Acknowledged

2 - Non-Material

Compliance

Fees:Limited

Washington - Maximum Lender Fees (01/09)

Acknowledged-Confirmed with outside counsel that the state anti-predatory provisions in the XXXXXXXXXX Consumer Loan Act (the “XX APL’s”) are originator level issues so there should not be any direct assignee liability/penalties associated with the XX APL’s. - Due Diligence Vendor-XX/XX/XXXX

XXXX

Primary Residence

Refinance

Cash Out - Other

2915555

Originator Post-Close

XXXX

4859261

Seller

2026-04-11 15:24

2026-04-11 15:32

Open

3 - Material

Credit

Property potentially affected by FEMA Disaster(s) INDIVIDUAL ASSISTANCE AREA

Open-Property potentially affected by FEMA Disaster ID XXXX. XXX XX - Declared XX/XX/XXXX with an Incident End Date of XXXX-XX-XX with Public Assistance: YES and Individual Assistance: YES. Property inspection with exterior photos required. - Due Diligence Vendor-XX/XX/XXXX

_XXXXX_

XXXX

Primary Residence

Refinance

Cash Out - Other

8610024

N/A

XXXX

4859261

Seller

2024-12-03 00:48

2025-01-31 11:02

Counter

3 - Material

Credit

Missing Doc

Borrower 1 3rd Party VOE Prior to Close Missing

Counter-"Per guidelines as well as Falling back to FNMA guidelines if Lender guides do not address. VOE is required to verify consistent employment. If done by phone Requirements are that it be documented in a processors cert with the following information included name and title of the person who confirmed the employment for the lender, X. Name and title of the person who completed the verification for the employer, X. Date of the call, and X. The source of the phone number." - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Section X.X.X Full Doc - WX borrower - "may or may not", underwriter for ease of use did not obtain a verbal verification, based on the overall documentation and loan file. - Seller-XX/XX/XXXX

X. Name and title of the person who completed the verification for the employer,

X. Date of the call, and

X. The source of the phone number." - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Funding VOE not required per guidelines. - Seller-XX/XX/XXXX

Open-Borrower X Xrd Party VOE Prior to Close Missing Provide VOE employment verification date for Borrower X - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Funding VOE not required per guidelines. - Seller-XX/XX/XXXX

_XXXXX_

XXXX

Primary Residence

Refinance

Cash Out - Other

2915649

N/A

XXXX

4859261

Seller

2024-12-03 00:48

2025-01-31 11:02

Counter

3 - Material

Credit

Missing Doc

Borrower 2 3rd Party VOE Prior to Close Missing

X. Name and title of the person who completed the verification for the employer,

X. Date of the call, and

X. The source of the phone number." - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Funding VOE not required per guidelines. - Seller-XX/XX/XXXX

Open-Borrower X Xrd Party VOE Prior to Close Missing Provide VOE employment verification date for Borrower X - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Funding VOE not required per guidelines. - Seller-XX/XX/XXXX

_XXXXX_

XXXX

Primary Residence

Refinance

Cash Out - Other

2915650

N/A

XXXX

4859261

Closed

2024-12-02 23:49

2024-12-06 12:28

Resolved

1 - Information

Compliance

HigherPriced:APR

Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13)

Resolved-The loan's (XX.XXX%) APR equals or exceeds the Federal HPML threshold of (XX.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(iii)) This loan failed the higher-priced mortgage loan test. ( XX CFR § XXXX.XX(a)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow Final Closing disclosure on Pg#’s XXX, Finding reflects no escrows. Rate lock date was entered correctly – see Pg#’s XXX, XXX. An interior and exterior appraisal was completed for this property – see pg XX, the appraisal disclosure was provided to the borrower(s)- see Pg#’ XXX and confirmation the appraisal was delivered to the borrower – see Pg#’X. The loan meets HPML guidelines. Resolved.

- Due Diligence Vendor-XX/XX/XXXX

Open-. - Due Diligence Vendor-XX/XX/XXXX

TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow Final Closing disclosure on Pg#’s XXX, Finding reflects no escrows. Rate lock date was entered correctly – see Pg#’s XXX, XXX.

An interior and exterior appraisal was completed for this property – see pg XX, the appraisal disclosure was provided to the borrower(s)- see Pg#’ XXX and confirmation the appraisal was delivered to the borrower – see Pg#’X. The loan meets HPML guidelines. Resolved. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXX-XXX XXXX'X (XX.XXX%) XXX XXXXXX XX XXXXXXX XXX XXXXXXX XXXX XXXXXXXXX XX (XX.XX%). XXX XXXXXXXXX XX XXXXXXXXXX XX XXXXXX X.X XXXXXX XX XXX XXXXXXXXXX XXXXXXX XXXXX XXXXX XXXX XXXXX XX XXX "XXXX XXXX XXX XXXXXXXX XXXX XX XXX XXXXXX XXXXXXXXXXXX." XXX XXXXXXXXXX XXXX XXX XXXX XXXX XX (X.XX%).(XX XXX XXXX.XX(X)(X)(XXX)) XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. ( XX XXX § XXXX.XX(X)(X) )XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX’X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXX XX X XXXXXX XXX XXXXXX XXXX XXX XX XXX XXXXXXXX XX XXXXXX XXXXX XXXXXXX XXXXXXXXXX XX XX#’X XXX, XXXXXXX XXXXXXXX XX XXXXXXX. XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX – XXX XX#’X XXX, XXX. XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XX XX, XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX(X)- XXX XX#’ XXX XXX XXXXXXXXXXXX XXX XXXXXXXXX XXX XXXXXXXXX XX XXX XXXXXXXX – XXX XX#’X. XXX XXXX XXXXX XXXX XXXXXXXXXX. XXXXXXXX.

- XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_

XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX’X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXX XX X XXXXXX XXX XXXXXX XXXX XXX XX XXX XXXXXXXX XX XXXXXX XXXXX XXXXXXX XXXXXXXXXX XX XX#’X XXX, XXXXXXX XXXXXXXX XX XXXXXXX. XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX – XXX XX#’X XXX, XXX.

XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XX XX, XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX(X)- XXX XX#’ XXX XXX XXXXXXXXXXXX XXX XXXXXXXXX XXX XXXXXXXXX XX XXX XXXXXXXX – XXX XX#’X. XXX XXXX XXXXX XXXX XXXXXXXXXX. XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_

XXXX

Primary Residence

Refinance

Cash Out - Other

2915552

N/A

XXXX

4859270

Closed

2024-12-04 18:20

2025-01-16 13:40

Resolved

1 - Information

Property

Value

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

Resolved-Xnd valuation received - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Fannie SSR Attached. - Seller-XX/XX/XXXX

Open-Secondary Valuation or Additional Valuation has not been entered per securitization requirements - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Fannie SSR Attached. - Seller-XX/XX/XXXX

XXXXXXXX-XXX XXXXXXXXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_

XXXXXX XXXXXX XXX.XXX

XXXX

Primary Residence

Refinance

Cash Out - Other

2933808

N/A

XXXX

4859270

Closed

2024-12-04 00:07

2024-12-17 16:25

Acknowledged

2 - Non-Material

Compliance

Fees:Prohibited

Washington - Fees Allowed (Lender)(01/10)

XXXX

Primary Residence

Refinance

Cash Out - Other

2924899

Originator Post-Close

XXXX

4859270

Closed

2024-12-04 00:07

2024-12-17 16:25

Acknowledged

2 - Non-Material

Compliance

Fees:Limited

Washington - Maximum Lender Fees (01/09)

XXXX

Primary Residence

Refinance

Cash Out - Other

2924903

Originator Post-Close

XXXX

4859270

Seller

2024-12-03 22:19

2025-09-08 15:00

Counter

3 - Material

Credit

Missing Doc

Borrower 1 3rd Party VOE Prior to Close Missing

Counter-Per guidelines as well as Falling back to FNMA guidelines if Lender guides do not address. VOE is required to verify consistent employment. If done by phone Requirements are that it be documented in a processors cert with the following information included name and title of the person who confirmed the employment for the lender, X. Name and title of the person who completed the verification for the employer, X. Date of the call, and X. The source of the phone number. - Due Diligence Vendor-XX/XX/XXXX

X. Name and title of the person who completed the verification for the employer,

X. Date of the call, and

X. The source of the phone number." - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Funding VOE not required per guidelines. - Seller-XX/XX/XXXX

Open-Borrower X Xrd Party VOE Prior to Close Missing Verified subject loan was qualified with Full doc. Provided VVOE on pg-XXX does not have current verification date - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Funding VOE not required per guidelines. - Seller-XX/XX/XXXX

_XXXXX_

XXXX

Primary Residence

Refinance

Cash Out - Other

2924655

N/A

XXXX

4859270

Closed

2024-12-04 00:07

2024-12-06 12:41

Resolved

1 - Information

Compliance

HigherPriced:APR

Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13)

Resolved-The loan's (XX.XX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(iii)) This loan failed the higher-priced mortgage loan test. ( XX CFR § XXXX.XX(a)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly. All disclosures, COC’s, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow “on Closed end Seconds only. Final Closing disclosure on Pg#’XX. Rate lock date was entered correctly – see Pg#’s XXX, XXX. An interior and exterior appraisal was completed for this property – see pg#XX, ECOA Appraisal Disclosure OR the LE’s page as the page#XXX. confirmation the appraisal was delivered to the borrower – see Pg#’s XX. The loan meets HPML guidelines, resolved.

- Due Diligence Vendor-XX/XX/XXXX

TRID Header Disclosure Page was entered correctly.

All disclosures, COC’s, Fees, and dates are entered correctly.

Loan is a closed end second lien and is not required to escrow “on Closed end Seconds only.

Final Closing disclosure on Pg#’XX.

Rate lock date was entered correctly – see Pg#’s XXX, XXX.

An interior and exterior appraisal was completed for this property – see pg#XX,

ECOA Appraisal Disclosure OR the LE’s page as the page#XXX.

confirmation the appraisal was delivered to the borrower – see Pg#’s XX. The loan meets HPML guidelines, resolved.

- Due Diligence Vendor-XX/XX/XXXX

XXXXXXXX-XXX XXXX'X (XX.XX%) XXX XXXXXX XX XXXXXXX XXX XXXXXXX XXXX XXXXXXXXX XX (X.XX%). XXX XXXXXXXXX XX XXXXXXXXXX XX XXXXXX X.X XXXXXX XX XXX XXXXXXXXXX XXXXXXX XXXXX XXXXX XXXX XXXXX XX XXX "XXXX XXXX XXX XXXXXXXX XXXX XX XXX XXXXXX XXXXXXXXXXXX." XXX XXXXXXXXXX XXXX XXX XXXX XXXX XX (X.XX%).(XX XXX XXXX.XX(X)(X)(XXX)) XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. ( XX XXX § XXXX.XX(X)(X) )XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX. XXX XXXXXXXXXXX, XXX’X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXX XX X XXXXXX XXX XXXXXX XXXX XXX XX XXX XXXXXXXX XX XXXXXX “XX XXXXXX XXX XXXXXXX XXXX. XXXXX XXXXXXX XXXXXXXXXX XX XX#’XX. XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX – XXX XX#’X XXX, XXX. XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XX#XX, XXXX XXXXXXXXX XXXXXXXXXX XX XXX XX’X XXXX XX XXX XXXX#XXX. XXXXXXXXXXXX XXX XXXXXXXXX XXX XXXXXXXXX XX XXX XXXXXXXX – XXX XX#’X XX. XXX XXXX XXXXX XXXX XXXXXXXXXX, XXXXXXXX.

- XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_

XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX.

XXX XXXXXXXXXXX, XXX’X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX.

XXXX XX X XXXXXX XXX XXXXXX XXXX XXX XX XXX XXXXXXXX XX XXXXXX “XX XXXXXX XXX XXXXXXX XXXX.

XXXXX XXXXXXX XXXXXXXXXX XX XX#’XX.

XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX – XXX XX#’X XXX, XXX.

XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XX#XX,

XXXX XXXXXXXXX XXXXXXXXXX XX XXX XX’X XXXX XX XXX XXXX#XXX.

XXXXXXXXXXXX XXX XXXXXXXXX XXX XXXXXXXXX XX XXX XXXXXXXX – XXX XX#’X XX. XXX XXXX XXXXX XXXX XXXXXXXXXX, XXXXXXXX.

- XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_

XXXX

Primary Residence

Refinance

Cash Out - Other

2924901

N/A

XXXX

4859272

Closed

2024-12-04 00:44

2025-01-16 09:07

Resolved

1 - Information

Credit

Missing Doc

1008 Document is Missing

Resolved-The XXXX document is present in the loan file. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. XXXXXXXXX XXXX - Seller-XX/XX/XXXX

Open-The XXXX document is missing from the loan file. XXXX document is missing with information of first lien balance. Since subject is second lien, first lien details should be present. Reflecting selection for Risk Assessment is OTHER, where in general it has to be Manual Underwriting. Provided XXXX not reflecting HOA fee. Qualifying interest rate is X.XX% as per XXXX, whereas in Note doc pg-XXX interest rate is XX.XXX % due to which &I of second mtg differs resulting with mismatch of PITIA amount. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. XXXXXXXXX XXXX - Seller-XX/XX/XXXX

XXXXXXXX-XXX XXXX XXXXXXXX XX XXXXXXX XX XXX XXXX XXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_

XXXXXXXX XXXX.XXX

XXXX

Primary Residence

Refinance

Cash Out - Other

2925058

N/A

XXXX

4859272

Closed

2024-12-04 02:23

2025-01-16 09:04

Resolved

1 - Information

Property

Missing Doc

Second Appraisal/ Valuation is Missing

Resolved-Secondary Valuation or Additional Valuation is present or Not Required - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. Not required by XXXXXXXXXX, XXXXXXX XXX Attached. - Seller-XX/XX/XXXX

Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per XXXXXXXXX requirements and CU Score, if present, is greater than X.X Secondary Valuation or Additional Valuation (with acceptable variance to Primary is missing in file. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. Not required by XXXXXXXXXX, XXXXXXX XXX Attached. - Seller-XX/XX/XXXX

XXXXXXXX-XXXXXXXXX XXXXXXXXX XX XXXXXXXXXX XXXXXXXXX XX XXXXXXX XX XXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_

XXXXXXXX XXXXXXX XXX.XXX

XXXX

Primary Residence

Refinance

Cash Out - Other

2925360

N/A

XXXX

4859272

Closed

2024-12-04 03:22

2024-12-17 16:25

Acknowledged

2 - Non-Material

Compliance

Fees:Prohibited

Washington - Fees Allowed (Lender)(01/10)

Acknowledged-Confirmed with outside counsel that the state anti-predatory provisions in the XXXXXXXXXX Consumer Loan Act (the “XX XXX’s”) are originator level issues so there should not be any direct assignee liability/penalties associated with the XX XXX’s. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Open-The XXXXXXXXXX Consumer Loan Act prohibits any fee other than a Loan Origination Fee, Loan Discount, or Commitment (Rate Lock) Fee to be paid by the Borrower to the Lender. (RCW XX.XX.XXX(X); WAC XXX-XXX-XXX; WAC XXX-XXX-XXX(X)) All the fees and cost are updated as per TRID documents, but unable to resolve the state specific finding in mavent fail. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

XXXX

Primary Residence

Refinance

Cash Out - Other

2925561

Originator Post-Close

XXXX

4859272

Closed

2024-12-04 03:22

2024-12-17 16:25

Acknowledged

2 - Non-Material

Compliance

Fees:Limited

Washington - Maximum Lender Fees (01/09)

Open-Under the XXXXXXXXXX Consumer Loan Act, a lender may not charge a "loan origination fee" exceeding X% of the first $XX,XXX and X% thereafter of the remaining loan amount. (RCW XX.XX.XXX(X); WAC XXX-XXX-XXX(X)). All the fees and cost are updated as per TRID documents, but unable to resolve the state specific finding in mavent fail. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

XXXX

Primary Residence

Refinance

Cash Out - Other

2925566

Originator Post-Close

XXXX

4859272

Seller

2026-04-11 15:27

2026-04-11 15:32

Open

2 - Non-Material

Credit

Property potentially affected by FEMA Disaster(s) PUBLIC ASSISTANCE AREA

Open-Property potentially affected by XXXX Disaster ID XXXX. XXX XX - Declared XX/XX/XXXX with an Incident End Date of XXXX-XX-XX with Public Assistance: YES and Individual Assistance: NO. Property inspection with exterior photos required. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

_XXXXX_

XXXX

Primary Residence

Refinance

Cash Out - Other

8610029

N/A

XXXX

4859272

Seller

2024-12-04 02:42

2025-02-06 10:02

Counter

3 - Material

Credit

Insurance

Flood Insurance Expiration Date is before the Note Date

Counter-Currently being reviewed by Investor as client states unable to resolve - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Escalated- Referred to Investor/management as Lender states unable to resolve

- XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Unable to Resolve- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Unable to Resolve-Unable to Resolve-Policy in file is what we have, its escrow paid by existing lender. - Seller-XX/XX/XXXX

Open-Flood Insurance Expiration Date of XX-XX-XXXX is prior to the Note Date of XX-XX-XXXX Provided Flood Insurance Expiration Date of XX-XX-XXXX which is expired before Note Date of XX-XX-XXXX. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Unable to Resolve-Unable to Resolve-Policy in file is what we have, its escrow paid by existing lender. - Seller-XX/XX/XXXX

_XXXXX_

XXXX

Primary Residence

Refinance

Cash Out - Other

2925455

N/A

XXXX

4859272

Seller

2024-12-04 02:42

2025-02-06 10:02

Counter

3 - Material

Credit

Insurance

Hazard Insurance Expiration Date is before the Note Date

Counter-Currently being reviewed by Investor as client states unable to resolve - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Escalated- Referred to Investor/management as Lender states unable to resolve

- XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Unable to Resolve- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Unable to Resolve-Unable to Resolve-Escrow paid by existing lender. - Seller-XX/XX/XXXX

Open-Hazard Insurance Expiration Date of XX-XX-XXXX is prior to or equal to the Note Date of XX-XX-XXXX Provided Hazard Insurance Expiration Date of XX-XX-XXXX which is expired before Note Date of XX-XX-XXXX. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Unable to Resolve-Unable to Resolve-Escrow paid by existing lender. - Seller-XX/XX/XXXX

_XXXXX_

XXXX

Primary Residence

Refinance

Cash Out - Other

2925456

N/A

XXXX

4859272

Closed

2024-12-04 03:22

2024-12-05 12:02

Resolved

1 - Information

Compliance

HigherPriced:APR

Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13)

Resolved-The loan's (XX.XXX%) APR equals or exceeds the Federal HPML threshold of (X.X%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.X%).(XX CFR XXXX.XX(a)(X)(XXX)) This loan failed the higher-priced mortgage loan test. ( XX CFR § XXXX.XX(a)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met.

TRID Header Disclosure Page was entered correctly.

All disclosures, COC’s, Fees, and dates are entered correctly.

Loan is a closed end second lien and is not required to escrow “on Closed end Seconds only.

Final Closing disclosure on Pg#XXX

Rate lock date was entered correctly – see Pg#’sXXX

An interior and exterior appraisal was completed for this property – see pg#X

ECOA Appraisal Disclosure OR the LE’s page as the page#XXX

confirmation the appraisal was delivered to the borrower – see Pg#’s XXX

- XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

XXXXXXXX-XXX XXXX'X (XX.XXX%) XXX XXXXXX XX XXXXXXX XXX XXXXXXX XXXX XXXXXXXXX XX (X.X%). XXX XXXXXXXXX XX XXXXXXXXXX XX XXXXXX X.X XXXXXX XX XXX XXXXXXXXXX XXXXXXX XXXXX XXXXX XXXX XXXXX XX XXX "XXXX XXXX XXX XXXXXXXX XXXX XX XXX XXXXXX XXXXXXXXXXXX." XXX XXXXXXXXXX XXXX XXX XXXX XXXX XX (X.X%).(XX XXX XXXX.XX(X)(X)(XXX)) XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. ( XX XXX § XXXX.XX(X)(X) )XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX.

XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX.

XXX XXXXXXXXXXX, XXX’X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX.

XXXX XX X XXXXXX XXX XXXXXX XXXX XXX XX XXX XXXXXXXX XX XXXXXX “XX XXXXXX XXX XXXXXXX XXXX.

XXXXX XXXXXXX XXXXXXXXXX XX XX#XXX

XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX – XXX XX#’XXXX

XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XX#X

XXXX XXXXXXXXX XXXXXXXXXX XX XXX XX’X XXXX XX XXX XXXX#XXX

XXXXXXXXXXXX XXX XXXXXXXXX XXX XXXXXXXXX XX XXX XXXXXXXX – XXX XX#’X XXX

- XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_

XXXX

Primary Residence

Refinance

Cash Out - Other

2925563

N/A

XXXX

5916426

Closed

2025-07-09 08:25

2025-07-21 16:40

Resolved

1 - Information

Credit

Income/Employment

Income/Employment General

Resolved-Fixed income used, resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review- Fixed income/pension was used for qualification, that would be considered full doc. Please clear this. - Seller-XX/XX/XXXX

Open-Lock confirm indicates borrower was approved using Full Doc - XX months. XXXXXXXXXX require X or X yrs of WX's or tax returns. Neither were supplied. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review- Fixed income/pension was used for qualification, that would be considered full doc. Please clear this. - Seller-XX/XX/XXXX

XXXXXXXX-XXXXX XXXXXX XXXX, XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_

XXXX

Primary Residence

Refinance

Cash Out - Other

4748020

N/A

XXXX

5916426

Closed

2025-07-03 05:45

2025-07-21 16:40

Waived

2 - Non-Material

Credit

Eligibility

Audited CLTV Exceeds Guideline CLTV Requirements

Waived-Exception Approved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Unable to Resolve-Unable to Resolve-Document Uploaded. Exception request provided - Buyer-XX/XX/XXXX

Open-Audited CLTV of XX.XX% exceeds XXXXXXXXX CLTV of XX% calculated CLTV XX.XX% Exceeds GL max Required CLTV of XX%, as Unpaid balance +Loan amount/Property Value*XXX% i.e, $XXXXXXXXX.XX+$XXXXX = $XXXXXXXXX.XX/$XXXXXX*XXX% = XX.XX% - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

XXXXXX-XXXXXXXXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_

XXXXXXXXX.XXX

XXX XXXX

<XX% XXX, XXX XX XX%

XXXX

Primary Residence

Refinance

Cash Out - Other

4647906

Investor Post-Close

XXXX

5916426

Closed

2025-07-03 08:26

2025-07-15 16:34

Resolved

1 - Information

Compliance

Disclosure

Missing Intent to Proceed

Resolved-ITP Provided, Resolved - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Intent to Proceed uploaded for review. - Seller-XX/XX/XXXX

Open-Missing Signed Intent to Proceed Disclosure. Required on Primary Residence and Second Homes. Intent to Proceed missing in file - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Intent to Proceed uploaded for review. - Seller-XX/XX/XXXX

XXXXXXXX-XXX XXXXXXXX, XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_

XXXXXXXXXX_XXXXX XXXXXX XX XXXXXXX.XXX

XXXX

Primary Residence

Refinance

Cash Out - Other

4649999

N/A

XXXX

5916426

Closed

2025-07-03 05:02

2025-07-11 02:05

Resolved

1 - Information

Credit

Missing Doc

1008 Document is Missing

Resolved-Resolved.XXXX document provided. - Due Diligence Vendor-XX/XX/XXXX

Resolved-The XXXX document is present in the loan file. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. XXXX uploaded for review. - Buyer-XX/XX/XXXX

Open-The XXXX document is missing from the loan file. XXXX document is missing in file - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXX-XXXXXXXX.XXXX XXXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_

XXXXXXXX-XXX XXXX XXXXXXXX XX XXXXXXX XX XXX XXXX XXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_

XXXXXXXXXX_XXXXX XXXX.XXX

XXXX

Primary Residence

Refinance

Cash Out - Other

4647559

N/A

XXXX

5916426

Closed

2025-07-03 07:52

2025-07-09 08:40

Resolved

1 - Information

Compliance

HigherPriced:APR

Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13)

TRID Header Disclosure Page was entered correctly.

All disclosures, COC’s, Fees, and dates are entered correctly.

Loan is a closed end second lien and is not required to escrow “on Closed end Seconds only.

Final Closing disclosure on Pg#’XX

Rate lock date was entered correctly – see Pg#’s XXX

An interior and exterior appraisal was completed for this property – see pg#XX-XX,

ECOA Appraisal Disclosure OR the LE’s page as the page#XXX

confirmation the appraisal was delivered to the borrower – see Pg#’s XX

The loan meets HPML Guidelines, resolved. - Due Diligence Vendor-XX/XX/XXXX

Open- - Due Diligence Vendor-XX/XX/XXXX

XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX.

XXX XXXXXXXXXXX, XXX’X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX.

XXXX XX X XXXXXX XXX XXXXXX XXXX XXX XX XXX XXXXXXXX XX XXXXXX “XX XXXXXX XXX XXXXXXX XXXX.

XXXXX XXXXXXX XXXXXXXXXX XX XX#’XX

XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX – XXX XX#’X XXX

XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XX#XX-XX,

XXXX XXXXXXXXX XXXXXXXXXX XX XXX XX’X XXXX XX XXX XXXX#XXX

XXXXXXXXXXXX XXX XXXXXXXXX XXX XXXXXXXXX XX XXX XXXXXXXX – XXX XX#’X XX

XXX XXXX XXXXX XXXX XXXXXXXXXX, XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_

XXXX

Primary Residence

Refinance

Cash Out - Other

4649454

N/A

XXXX

5940479

Closed

2025-08-05 12:12

2025-08-13 06:13

Resolved

1 - Information

Compliance

Mavent

Tolerance: Disclosure

Resolved-Resolved - Due Diligence Vendor-XX/XX/XXXX

Open- - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX

Ready for Review-Document Uploaded. COC uploaded - Buyer-XX/XX/XXXX

Open-Deed prep fee added to final CD without a valid COC or lender credit. Lender credit on Final Cd does not reflect "Credit for increase in closing costs above legal limit". - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX

XXXXXXXX-XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_

X-XXXXX-X.X_XXXXXXXX-XXXX-XXXX-XXXX-XXXXXXXXXXXX.XXX_XXXXX_

X.-XXXXX-X-XX_XXXXXXXX-XXXX-XXXX-XXXX-XXXXXXXXXXXX.XXX

XXXX

Primary Residence

Refinance

Cash Out - Other

5062860

N/A

XXXX

5940479

Closed

2025-07-31 10:44

2025-08-13 05:59

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 3rd Party VOE Prior to Close Missing

Resolved-Borrower X Xrd Party VOE Prior to Close Was Provided - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. VOE dated XX.XX.XXXX uploaded - Seller-XX/XX/XXXX

Counter-Nothing uploaded - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. VVOE dated XX.XX uploaded - Buyer-XX/XX/XXXX

Open-Borrower X Xrd Party VOE Prior to Close Missing VOe within XX days of closing is missing in file - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. VOE dated XX.XX.XXXX uploaded - Seller-XX/XX/XXXX

XXXXXXXX-XXXXXXXX X XXX XXXXX XXX XXXXX XX XXXXX XXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_

XXX XXXXX XX.XX.XX.XXX

XXXX

Primary Residence

Refinance

Cash Out - Other

5009630

N/A

XXXX

5940479

Closed

2025-07-30 02:39

2025-08-05 12:16

Resolved

1 - Information

Compliance

Missing Doc

TRID: Missing Initial Closing Disclosure

Resolved-initial CD provided - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. ICD uploaded - Seller-XX/XX/XXXX

Open-TRID: Missing Closing Disclosure TRID: Initial Closing Disclosure is missing from file. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. ICD uploaded - Seller-XX/XX/XXXX

XXXXXXXX-XXXXXXX XX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_

XXX.XXX

XXXX

Primary Residence

Refinance

Cash Out - Other

4989881

N/A

XXXX

6001636

Closed

2025-08-26 21:32

2025-10-02 07:11

Waived

2 - Non-Material

Credit

Assets

Cash Out Does Not Meet Guideline Requirements

Waived-XX approves exception with comp Factors: XXX FICO, XxXX mtg history, DTI below XX%, $XXk residual income. - Due Diligence Vendor-XX/XX/XXXX

Acknowledged-XX Acknowledged - Due Diligence Vendor-XX/XX/XXXX

Unable to Resolve-Unable to Resolve-XX approves exception. Comp Factors: XXX FICO, XxXX mtg history, DTI below XX%, $XXk residual income. - Buyer-XX/XX/XXXX

Open-Cash Out is not completed according to the guideline requirements As per matrix XX/XX/XXXX Maximum Cash Out is $XXX,XXX. Final CD indicates cash out of $XXX,XXX.XX. - Due Diligence Vendor-XX/XX/XXXX

XXXXXX-XX XXXXXXXX XXXXXXXXX XXXX XXXX XXXXXXX: XXX XXXX, XXXX XXX XXXXXXX, XXX XXXXX XX%, $XXX XXXXXXXX XXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_

XXXXXXXXXXXX-XX XXXXXXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_

XXXX XXXXXXX: XXX XXXX, XXXX XXX XXXXXXX, XXX XXXXX XX%, $XXX XXXXXXXX XXXXXX.

XXXX

Primary Residence

Refinance

Cash Out - Other

5328095

Originator Post-Close

Yes

XXXX

6001636

Closed

2025-08-26 21:39

2025-09-05 04:45

Resolved

1 - Information

Credit

Missing Doc

1008 Document is Missing

Resolved-Updated XXXX Document with corrected Interest Rate uploaded, Verified & entered in system - Resolved

- Due Diligence Vendor-XX/XX/XXXX

Resolved-The XXXX document is present in the loan file. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. XXXX attached - Buyer-XX/XX/XXXX

Open-The XXXX document is missing from the loan file. Provide corrected XXXX indicating loan rate as X.XXX% per Note.. XXXX in file indicates rate as X.XXX%. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXX-XXXXXXX XXXX XXXXXXXX XXXX XXXXXXXXX XXXXXXXX XXXX XXXXXXXX, XXXXXXXX & XXXXXXX XX XXXXXX - XXXXXXXX

- XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_

XXXXXXXX-XXX XXXX XXXXXXXX XX XXXXXXX XX XXX XXXX XXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_

XXXX - XXXXXXXXXXX XXXXXXX.XXX

XXXX

Primary Residence

Refinance

Cash Out - Other

5328103

N/A

XXXX

6163829

Closed

2025-10-15 04:21

2025-10-24 05:52

Resolved

1 - Information

Compliance

Missing Doc

TRID: Missing Initial Closing Disclosure

Resolved-Requested Initial CD provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX

Open-TRID: Missing Closing Disclosure Initial Closing Disclosure is missing in the file - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXX-XXXXXXXXX XXXXXXX XX XXXXXXXX, XXXXXXX & XXXXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_

XXXXXXX XX.XXX

XXXX

Primary Residence

Refinance

Cash Out - Other

5897763

N/A

XXXX

6163829

Closed

2025-10-15 04:22

2025-10-24 05:51

Resolved

1 - Information

Compliance

Missing Doc

Missing Change of Circumstance

Resolved-Requested COC provided for increased Discount Points, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX

Open-Loan point on Section A was increased from initial LE amount $XXXX to Final CD amount $XXXX and There is no COC in the file.

- Due Diligence Vendor-XX/XX/XXXX

XXXXXXXX-XXXXXXXXX XXX XXXXXXXX XXX XXXXXXXXX XXXXXXXX XXXXXX, XXXXXXX & XXXXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_

X.-XXXXX-X.XX.XXX

XXXX

Primary Residence

Refinance

Cash Out - Other

5897778

N/A

XXXX

6163829

Closed

2025-10-15 03:03

2025-10-24 04:47

Resolved

1 - Information

Credit

Title

Title Coverage is Less than Subject Lien(s) Total

Resolved-Requested updated title policy with the coverage amount that covers loan amount provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX

Open-Title Coverage Amount of $XXXXXX is Less than Loan Amount Loan amount is $XXXXXX, Title coverage is $XXX,XXX. Provide updated title. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXX-XXXXXXXXX XXXXXXX XXXXX XXXXXX XXXX XXX XXXXXXXX XXXXXX XXXX XXXXXX XXXX XXXXXX XXXXXXXX, XXXXXXX & XXXXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_

XXXXXXXX-XXXXX XXXXXXXX XXXXXX XX $XXXXXX XX XXXXX XX XX XXXXXXX XXXX XXXXX XXXXXX XX XXXXXXX XXXX(X) - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_

XXXXX XXXXXXXXXX.XXX

XXXX

Primary Residence

Refinance

Cash Out - Other

5897447

N/A

XXXX

6399243

Closed

2025-12-02 21:38

2025-12-16 06:20

Resolved

1 - Information

Credit

Missing Doc

1008 Document is Missing

Resolved-The XXXX document is present in the loan file. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX

Counter-XXXX in system is missing the escrow for taxes and insurance totaling XXX.XX

DTI's should be XX.XX / XX.XX

front end XXXX +XXX.XX +XXX+XXXX.XX =XXXX.XX / XXXXX.XX = XX.XX%

back end XXXX +XXXX.XX + XXX.XX + XXX=XXXX.XX / XXXXX.XX = XX.XX%

LTV is off. XX.XXX% XX.XXX% XX.XXX% this is due to most recent principal balance of XXX,XXX. Doc in file showing XXX,XXX.XX does not have a date when it was printed to be able to use.

This is causing a variance in LTV XX.XX – XX.XX = X.XX% - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. X. The DTI calculation includes XXX payment of $XXX since it's being subordinated Xst PITIA $X,XXX, + new Xnd $X,XXX.XX + Xrd XXX payment $XXX

X. Also the LTV is at XX.XX Using loan amount of XXX,XXX.XX for the first lien and mortgage statement and credit report reflect it at XXX,XXX - Xst Lien balance is based on the current statement balance credit report only reflected last payment in October. Statement shows October and November paid hence the current balance was utilized and CLTV is at XX% (see snapshot ) - Seller-XX/XX/XXXX

Open-The XXXX document is missing from the loan file. DTI for the front end should be XX.XX First line amount is XXXX.XX+XXX.XX(third lien)+ XXXX.XX second lien. Back end DTI is at XX.XX using rent loss of XXX and liabilities in amount of XXXX. Also the LTV is at XX.XX Using loan amount of XXX,XXX.XX for the first lien and mortgage statement and credit report reflect it at XXX,XXX - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX

Ready for Review-Document Uploaded. X. The DTI calculation includes XXX payment of $XXX since it's being subordinated Xst PITIA $X,XXX, + new Xnd $X,XXX.XX + Xrd XXX payment $XXX

XXXXXXXX-XXX XXXX XXXXXXXX XX XXXXXXX XX XXX XXXX XXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_

XXXXXXXXX.XXXX_XXXXX_

XXXXXXXX XXXXXXXXX.XXX

XXXX

Primary Residence

Refinance

Cash Out - Debt Consolidation

6458503

N/A

XXXX

6399253

Closed

2025-12-25 22:21

2026-01-12 07:58

Resolved

1 - Information

Compliance

TRID Tolerance

Insufficient Change of Circumstance (50001252)

Open- - Due Diligence Vendor-XX/XX/XXXX

Resolved- - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Hi, please see COC for the Appraisal Review fee of $XXX on XX/X. The lock was extended. The CD on XX/XX and COC for the changes attached. - Seller-XX/XX/XXXX

Open- - Due Diligence Vendor-XX/XX/XXXX

Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Points - Loan Discount Fee, Appraisal Review Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (XX CFR XXXX.XX(e)(X); XX CFR XXXX.XX(e)(X); XX CFR XXXX.XX(f)(X)(v)). Discount Point Fee & Appraisal Review Fee increases From Initial LE to Final CD. Provide COC to cure the tolerance. - Due Diligence Vendor-XX/XX/XXXX

Open- - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Hi, please see COC for the Appraisal Review fee of $XXX on XX/X. The lock was extended. The CD on XX/XX and COC for the changes attached. - Seller-XX/XX/XXXX

_XXXXX_

XXXXXXXXXX_XXXXXX_XXX XX-X.XXX_XXXXX_

XXXXXXXXXX_XXXXXX_XX XX-XX.XXX_XXXXX_

XXXXXXXXXX_XXXXXX_XXX XX-XX.XXX

XXXX

Primary Residence

Refinance

Cash Out - Other

6806252

N/A

XXXX

6399253

Closed

2025-12-25 23:24

2026-01-12 03:37

Resolved

1 - Information

Compliance

Missing Doc

The Final 1003 is Incomplete

Resolved-Updated Final XXXX & XXXX uploaded with corrected qualifying income for XXX & XXX, Verified & entered in system - Resolved

- Due Diligence Vendor-XX/XX/XXXX

Resolved-The Final XXXX is Present - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX

Open-The Final XXXX is Incomplete As per CPA letter Page #XXX, XXX & XXX each has XX% ownership in the business "XXXXX XXX XXXXXXXXX XXXXXXXXX XXX" but whereas XXX Final XXXX reflects Total Qualifying income with XXX% ownership. Provide updated XXX & XXX Final with updated employment reflecting for XXX & XXX with XX% ownership. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX

XXXXXXXX-XXXXXXX XXXXX XXXX & XXXX XXXXXXXX XXXX XXXXXXXXX XXXXXXXXXX XXXXXX XXX XX & XX, XXXXXXXX & XXXXXXX XX XXXXXX - XXXXXXXX

- XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_

XXXXXXXX-XXX XXXXX XXXX XX XXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_

XXXXXXXXXX_XXXXXX_XXXX & XXXX.XXX

XXXX

Primary Residence

Refinance

Cash Out - Other

6806489

N/A

XXXX

6399253

Closed

2025-12-25 23:25

2026-01-12 03:36

Resolved

1 - Information

Credit

Income/Employment

Income/Employment General

Resolved-Updated Self-Employment Business Narrative uploaded with ownership percentage, Verified & entered in system - Resolved

- Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX

Open-Self-Employment Business Narrative reflecting on page #XXX & XXX reflects percentage of business as blank. Provide updated Self-Employment Business Narrative with updated business ownership. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX

XXXXXXXX-XXXXXXX XXXX-XXXXXXXXXX XXXXXXXX XXXXXXXXX XXXXXXXX XXXX XXXXXXXXX XXXXXXXXXX, XXXXXXXX & XXXXXXX XX XXXXXX - XXXXXXXX

- XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_

XXXXXXXXXX_XXXXXX_XXXXXXXX XXXXXXXXX.XXX

XXXX

Primary Residence

Refinance

Cash Out - Other

6806495

N/A

XXXX

6399253

Closed

2025-12-25 22:37

2026-01-12 03:32

Resolved

1 - Information

Credit

Missing Doc

1008 Document is Missing

Resolved-The XXXX document is present in the loan file. - Due Diligence Vendor-XX/XX/XXXX

Resolved-XXXX provided - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Hi, the XXX XXX are included. $XXX + $XXX = $X,XXX (All other monthly payments) - Seller-XX/XX/XXXX

Open-The XXXX document is missing from the loan file. First Mortgage & Subordinate Lien P&I is not included with Taxes & Insurance on the provided XXXX & Additionally XXX #XXXX has less than XX installment payment and it has been excluded from the all other monthly payments. Provide updated XXXX document. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Hi, the Both XXX are included. $XXX + $XXX = $X,XXX (All other monthly payments) - Seller-XX/XX/XXXX

XXXXXXXX-XXX XXXX XXXXXXXX XX XXXXXXX XX XXX XXXX XXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_

XXXXXXXX-XXXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_

XXXXXXXXXX_XXXXXX_XXXX.XXX

XXXX

Primary Residence

Refinance

Cash Out - Other

6806295

N/A

XXXX

6399253

Closed

2025-12-25 22:39

2026-01-05 07:37

Resolved

1 - Information

Credit

DTI discrepancy or failure.

Resolved-Updated XXX acct - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Both XXX are included. $XXX + $XXX = $X,XXX (All other monthly payments) - Seller-XX/XX/XXXX

Open-DTI Difference is X.XX% is due to First Mortgage & Subordinate Lien P&I is not included with Taxes & Insurance on the provided XXXX & Additionally XXX #XXXX has less than XX installment payment and it has been excluded from the all other monthly payments which creates DTI Discrepancy - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Both XXX are included. $XXX + $XXX = $X,XXX (All other monthly payments) - Seller-XX/XX/XXXX

XXXXXXXX-XXXXXXX XXXXXXX XXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_

XXXXXXXXXX_XXXXXX_XXXX.XXX

XXXX

Primary Residence

Refinance

Cash Out - Other

6806306

N/A