Loan Number
Seller Loan Number
Originator
Last Name
Note Date
Original Balance
State
TPR QM ATR Status
Loan Status
Exception Date
Remediation Status
Exception ID
Exception Type
Exception Category
Exceptions
Exception Rebuttal
Exception Rebuttal Date
Exception Rebuttal Response
Exception Rebuttal Response Date
Compensating Factors
Initial Overall Loan Grade
Final Overall Loan Grade
Initial Exception Grade
Final Exception Grade
Initial Credit Grade
Final Credit Grade
Initial Property Valuation Grade
Final Property Valuation Grade
Initial Compliance Grade
Final Compliance Grade
Initial Overall Grade (DBRS/Morningstar)
Initial Credit Grade (DBRS/Morningstar)
Initial Property Valuation Grade (DBRS/Morningstar)
Initial Compliance Grade (DBRS/Morningstar)
Initial Overall Grade (Fitch)
Initial Credit Grade (Fitch)
Initial Property Valuation Grade (Fitch)
Initial Compliance Grade (Fitch)
Initial Overall Grade (Kroll)
Initial Credit Grade (Kroll)
Initial Property Valuation Grade (Kroll)
Initial Compliance Grade (Kroll)
Initial Overall Grade (Moodys)
Initial Credit Grade (Moodys)
Initial Property Valuation Grade (Moodys)
Initial Compliance Grade (Moodys)
Initial Overall Grade (S&P)
Initial Credit Grade (S&P)
Initial Property Valuation Grade (S&P)
Initial Compliance Grade (S&P)
Final Overall Grade (DBRS/Morningstar)
Final Credit Grade (DBRS/Morningstar)
Final Property Grade (DBRS/Morningstar)
Final Compliance Grade (DBRS/Morningstar)
Final Overall Grade (Fitch)
Final Credit Grade (Fitch)
Final Property Grade (Fitch)
Final Compliance Grade (Fitch)
Final Overall Grade (Kroll)
Final Credit Grade (Kroll)
Final Property Grade (Kroll)
Final Compliance Grade (Kroll)
Final Overall Grade (Moodys)
Final Credit Grade (Moodys)
Final Property Grade (Moodys)
Final Compliance Grade (Moodys)
Final Overall Grade (S&P)
Final Credit Grade (S&P)
Final Property Grade (S&P)
Final Compliance Grade (S&P)
409051306
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/27/2026
Resolved
FCRE8999
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational
04/28/2026
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
A
A
A
A
A
A
A
A
A
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A
A
A
A
A
A
A
409051306
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/27/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
04/28/2026
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
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A
409051306
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/27/2026
Resolved
FCOM8997
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational
04/28/2026
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
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A
409054124
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
06/02/2026
Resolved
FCRE2371
Credit
Missing final HUD-XXX from sale of non-subject property
Final Closing Disclosure to evidence the sale of XXX XXX, XXX, ID and the payoff of the XXX Mortgage ***XXX is required.
Document Uploaded. Please see the attached final ALTA.
06/05/2026
Selling closing Statement provided.
06/08/2026
Original CLTV is Below the Guideline Maximum - Calculated CLTV of 75% is less than Guideline CLTV of 89.99% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 75% is less than Guideline LTV of 89.99%
D
A
D
A
D
A
A
A
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
A
A
A
A
A
A
A
A
A
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A
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A
A
A
A
A
A
A
A
409054124
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
06/02/2026
Resolved
FCOM8997
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational
06/04/2026
Original CLTV is Below the Guideline Maximum - Calculated CLTV of 75% is less than Guideline CLTV of 89.99% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 75% is less than Guideline LTV of 89.99%
D
A
A
A
D
A
A
A
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409054124
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
06/04/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
06/04/2026
Original CLTV is Below the Guideline Maximum - Calculated CLTV of 75% is less than Guideline CLTV of 89.99% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 75% is less than Guideline LTV of 89.99%
D
A
A
A
D
A
A
A
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
A
A
A
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A
A
A
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A
A
A
A
A
A
A
A
A
A
A
A
409054128
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/14/2026
Cured
finding-3652
Compliance
Lender Credits That Cannot Decrease Test
TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The lender credit tolerance violation in the amount of XXX is due to decrease in (total itemized) Lender Credits from XXX on RCD dated XX/XX/XXXX to XXX on the final CD dated XXX/XXX/XXX. This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i) he loan contains charges that exceed the good faith determination XXXing to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits XXX does not exceed or equal the comparable sum of specific and non-specific lender credits ($XXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i).
Document Uploaded. ; Please see the attached redisclosure package. ; Document Uploaded. Please see the attached CPL Letter.
05/19/2026
Cure package provided to borrower within XXX days of discovery. Exception downgraded to 2/B. ; Cure package provided to borrower within XXX days of discovery. Exception downgraded to 2/B.
05/20/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 67% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 67% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years on job.
C
B
C
B
A
A
A
A
C
B
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
409054128
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/13/2026
Resolved
FCRE8999
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational
05/14/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 67% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 67% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years on job.
C
B
A
A
A
A
A
A
C
B
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
409054128
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/13/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
05/14/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 67% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 67% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years on job.
C
B
A
A
A
A
A
A
C
B
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
409051311
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/04/2026
Resolved
FCRE8999
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational
05/05/2026
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
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A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409051311
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/05/2026
Resolved
FCOM8997
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational
05/05/2026
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409051311
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/05/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
05/05/2026
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
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A
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A
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A
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A
A
A
A
A
A
A
A
A
A
A
A
A
409051317
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/21/2026
Resolved
FCRE8999
Credit
No Credit Findings
The loan meets all applicable credit guidelines. The loan meets all applicable credit guidelines.
    
Informational
04/22/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
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A
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A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409051317
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/21/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan.
    
Informational
04/22/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
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A
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A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409051317
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/22/2026
Resolved
FCOM8997
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational
04/22/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
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A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409051318
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/27/2026
Resolved
FCOM8997
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational
04/28/2026
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
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A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409051318
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/27/2026
Resolved
FCRE8999
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational
04/28/2026
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409051318
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/27/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
04/28/2026
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409054132
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
06/01/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
06/02/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409054132
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
06/01/2026
Resolved
FCRE8999
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational
06/02/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409054132
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
06/01/2026
Resolved
FCOM8997
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational
06/02/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409051320
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/22/2026
Resolved
FCOM8997
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational
04/22/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409051320
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/22/2026
Resolved
FCRE8999
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational
04/22/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
A
A
A
A
A
A
A
A
A
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A
A
A
A
A
A
409051320
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/22/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
04/22/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
A
A
A
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A
A
A
A
A
A
409051326
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/21/2026
Resolved
FCRE8999
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational
04/22/2026
  
A
A
A
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A
A
A
A
A
409051326
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/21/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
04/22/2026
  
A
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A
409051326
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/22/2026
Resolved
FCOM8997
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational
04/22/2026
  
A
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409051327
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/21/2026
Resolved
FPRO0383
Property
FEMA Post Disaster Inspection Report not Provided
The subject property is a FEMA disaster case; however, the inspection report was not provided.
The most recent disaster in the entire XXX was the DR-XXX-WA, which was declared on XXX/XXX, however the incident period was in Dec XXX Please clear this condition as disaster occurred before appraisal date.
04/24/2026
Documentation in file is sufficient. FEMA disaster prior to appraisal. Exception resolved.; FEMA Post Disaster Inspection report was provided.
04/27/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job.
D
A
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A
409051327
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/22/2026
Resolved
FCOM8997
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational
04/22/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job.
D
A
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409051327
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/22/2026
Resolved
FCRE8999
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational
04/22/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job.
D
A
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D
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A
409054137
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/07/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
05/08/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job.
A
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A
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A
A
409054137
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/07/2026
Resolved
FCRE8999
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational
05/08/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job.
A
A
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A
A
A
A
A
A
A
409054137
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/07/2026
Resolved
FCOM8997
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational
05/08/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job.
A
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A
A
A
409051331
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/28/2026
Resolved
FCOM8997
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational
04/29/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job.
A
A
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A
A
A
A
A
A
A
409051331
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/28/2026
Resolved
FCRE8999
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational
04/29/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job.
A
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A
A
A
A
A
A
A
409051331
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/28/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
04/29/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job.
A
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A
409054140
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/07/2026
Resolved
FCRE8999
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational
05/08/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 76.5% is less than Guideline CLTV of 89.99% | Original LTV is Below the Guideline Maximum - Calculated LTV of 76.5% is less than Guideline LTV of 89.99%
A
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A
A
A
A
A
A
A
409054140
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/07/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
05/08/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 76.5% is less than Guideline CLTV of 89.99% | Original LTV is Below the Guideline Maximum - Calculated LTV of 76.5% is less than Guideline LTV of 89.99%
A
A
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A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409054140
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/07/2026
Resolved
FCOM8997
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational
05/08/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 76.5% is less than Guideline CLTV of 89.99% | Original LTV is Below the Guideline Maximum - Calculated LTV of 76.5% is less than Guideline LTV of 89.99%
A
A
A
A
A
A
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A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409051333
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/10/2026
Resolved
FCRE8999
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational
04/13/2026
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job.
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
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A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409051333
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/10/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
04/13/2026
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job.
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409051333
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/13/2026
Resolved
FCOM8997
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational
04/13/2026
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job.
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
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A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409054141
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/13/2026
Resolved
FCOM8997
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational
05/14/2026
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
A
A
A
A
A
A
A
A
A
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A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409054141
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/14/2026
Resolved
FCRE8999
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational
05/14/2026
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
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A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409054141
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/14/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
05/14/2026
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
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A
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A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409051335
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/22/2026
Resolved
FCOM8997
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational
04/22/2026
  
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
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A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409051335
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/22/2026
Resolved
FCRE8999
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational
04/22/2026
  
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
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A
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A
A
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A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409051335
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/22/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
04/22/2026
  
A
A
A
A
A
A
A
A
A
A
A
A
A
A
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A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409051336
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/22/2026
Resolved
FCOM8997
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational
04/22/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job.
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
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A
A
A
A
A
A
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A
A
A
A
A
A
409051336
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/22/2026
Resolved
FCRE8999
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational
04/22/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job.
A
A
A
A
A
A
A
A
A
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A
A
A
409051336
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/22/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
04/22/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job.
A
A
A
A
A
A
A
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A
A
A
A
A
A
A
409054142
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/07/2026
Resolved
FCOM8997
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational
05/08/2026
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 68.98% is less than Guideline CLTV of 89.99% | Original LTV is Below the Guideline Maximum - Calculated LTV of 68.98% is less than Guideline LTV of 89.99%
A
A
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A
A
A
A
A
A
A
409054142
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/07/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
05/08/2026
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 68.98% is less than Guideline CLTV of 89.99% | Original LTV is Below the Guideline Maximum - Calculated LTV of 68.98% is less than Guideline LTV of 89.99%
A
A
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A
A
A
A
A
A
A
409054142
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/08/2026
Resolved
FCRE8999
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational
05/08/2026
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 68.98% is less than Guideline CLTV of 89.99% | Original LTV is Below the Guideline Maximum - Calculated LTV of 68.98% is less than Guideline LTV of 89.99%
A
A
A
A
A
A
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A
A
A
A
A
A
A
A
A
A
A
A
409054143
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/04/2026
Resolved
FCOM8997
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational
05/05/2026
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
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A
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A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409054143
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/05/2026
Resolved
FCRE8999
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational
05/05/2026
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
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A
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A
A
A
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A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409054143
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/05/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
05/05/2026
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
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A
A
A
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A
A
A
A
A
A
A
A
A
A
A
A
A
409051341
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/22/2026
Resolved
finding-3634
Compliance
Charges That Cannot Increase Test
This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination XXXing to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of XXX is due to increase from XXX to XXX for the Appraisal Fee.
Document Uploaded. Please see uploaded document. The CIC on XX/XX/XXXX was the borrower requesting a rush on the appraisal. It brought the fee from XXX to XXX which is what the appriasal fee was on the final closing disclosure.
04/24/2026
Valid COC provided; exception resolved ; Valid COC provided; exception resolved
04/26/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
C
A
C
A
A
A
A
A
C
A
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409051341
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/21/2026
Resolved
FCRE8999
Credit
No Credit Findings
The loan meets all applicable credit guidelines. The loan meets all applicable credit guidelines.
    
Informational
04/22/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
C
A
A
A
A
A
A
A
C
A
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409051341
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/21/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan.
    
Informational
04/22/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
C
A
A
A
A
A
A
A
C
A
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409051344
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/27/2026
Acknowledged
FCRE1159
Credit
Hazard XXX Effective Date is after the Disbursement Date
Hazard XXX Effective Date of XX/XX/XXXX is after the Disbursement Date of XXX-XXX-XXX. Confirmed. Per Hazard Policy provided. Effective XXX day after disbursement.
We can confirm the policy started one day after disbursement. We cannot upload an additional Statement. Please let me know what is needed to cure.
04/29/2026
Finding downgraded to B as proof of no claims filed in gap period of HOI coverage; finding acknowledged; Please provide a No Loss Statement signed by the borrower for the XXX day gap in hazard coverage.
05/15/2026
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
C
B
C
B
C
B
A
A
B
B
C
C
A
B
C
C
A
B
C
C
A
B
C
C
A
B
C
C
A
B
B
B
A
B
B
B
A
B
B
B
A
B
B
B
A
B
B
B
A
B
409051344
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/27/2026
Acknowledged
FCOM3849
Compliance
Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR  1002.14(a)(1))
The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). Documentation required to clear exception: Evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date is required, but missing from the file. If borrower waived the XXX day timing requirement, provide an executed appraisal waiver and evidence the appraisal was received the day of close.
Unable to Resolve-Seller acknowledges exception, no change to grading.
04/29/2026
Acknowledged as 2/B grading per client request
04/29/2026
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
C
B
B
B
C
B
A
A
B
B
C
C
A
B
C
C
A
B
C
C
A
B
C
C
A
B
C
C
A
B
B
B
A
B
B
B
A
B
B
B
A
B
B
B
A
B
B
B
A
B
409051344
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/27/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
04/28/2026
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
C
B
A
A
C
B
A
A
B
B
C
C
A
B
C
C
A
B
C
C
A
B
C
C
A
B
C
C
A
B
B
B
A
B
B
B
A
B
B
B
A
B
B
B
A
B
B
B
A
B
409054144
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/04/2026
Resolved
finding-3532
Compliance
Initial Closing Disclosure Delivery Date Test
Documentation required to clear exception: The initial CD is missing from the loan file. The earliest CD in the file is dated XX/XX/XXXX and signed at consummation. The violation can be cured by providing the initial CD as well as evidence showing that it was received by the consumer XXX business days prior to consummation on XXX/XXX/XXX. This loan failed the initial closing disclosure delivery date test due to one of the following findings:(12 CFR §1026.19(f)(1)(ii) he initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"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 §1026.19(f)(1)(i) no later than three business days before consummation.
Document Uploaded. Please see the attached initial CD.
05/06/2026
Initial CD provided; exception resolved ; Initial CD provided; exception resolved
05/06/2026
Borrower has stable job time - Borrower has XXX years on job.
C
A
C
A
A
A
A
A
C
A
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409054144
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/05/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
05/05/2026
Borrower has stable job time - Borrower has XXX years on job.
C
A
A
A
A
A
A
A
C
A
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409054144
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/05/2026
Resolved
FCRE8999
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational
05/05/2026
Borrower has stable job time - Borrower has XXX years on job.
C
A
A
A
A
A
A
A
C
A
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409054145
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/07/2026
Resolved
FCOM8997
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational
05/08/2026
Original CLTV is Below the Guideline Maximum - Calculated CLTV of 75.64% is less than Guideline CLTV of 89.99% | Original LTV is Below the Guideline Maximum - Calculated LTV of 75.64% is less than Guideline LTV of 89.99% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job.
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409054145
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/07/2026
Resolved
FCRE8999
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational
05/08/2026
Original CLTV is Below the Guideline Maximum - Calculated CLTV of 75.64% is less than Guideline CLTV of 89.99% | Original LTV is Below the Guideline Maximum - Calculated LTV of 75.64% is less than Guideline LTV of 89.99% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job.
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409054145
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/07/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
05/08/2026
Original CLTV is Below the Guideline Maximum - Calculated CLTV of 75.64% is less than Guideline CLTV of 89.99% | Original LTV is Below the Guideline Maximum - Calculated LTV of 75.64% is less than Guideline LTV of 89.99% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job.
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409051348
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/27/2026
Cured
finding-3652
Compliance
Lender Credits That Cannot Decrease Test
This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i) he loan contains charges that exceed the good faith determination XXXing to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits XXX does not exceed or equal the comparable sum of specific and non-specific lender credits ($XXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The lender credit tolerance violation in the amount of XXX is due to decrease in total itemized Lender Credit from XXX to $XXX.
Document Uploaded. Please see attached package mailed to the borrower.
05/05/2026
Cure package provided to the borrower; Exception downgraded to a 2/B; Cure package provided to the borrower; Exception downgraded to a 2/B
05/05/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
C
B
C
B
A
A
A
A
C
B
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
409051348
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/27/2026
Resolved
finding-3634
Compliance
Charges That Cannot Increase Test
This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination XXXing to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery. The zero tolerance violation in the amount of XXX is due to increase from XXX to XXX for the Appraisal Review Fee. A valid COC was provided, however, the fee was disclosed as paid by lender on RCD dated XX/XX/XXXX and then paid by borrower on final CD.
Please be advised the appraisal review fee was added with a valid CIC as evidenced by the re-disclosure history form.
04/30/2026
Valid COC provided; exception resolved; Valid COC provided; exception resolved
05/01/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
C
B
C
A
A
A
A
A
C
B
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
409051348
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/27/2026
Resolved
FCRE8999
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational
04/28/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
C
B
A
A
A
A
A
A
C
B
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
409051348
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/28/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
04/28/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
C
B
A
A
A
A
A
A
C
B
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
409054146
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/13/2026
Resolved
finding-3526
Compliance
Revised Loan Estimate Delivery Date Test (prior to consummation)
This loan failed the revised loan estimate delivery date test (prior to consummation) due to one of the following findings: (12 CFR §1026.19(e)(4)(ii) he revised loan estimate delivery date is provided and the revised loan estimate method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the revised loan estimate delivery date is less than seven business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the revised loan estimate delivery date is less than four business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised loan estimate receipt date is provided and the revised loan estimate receipt date is less than four business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised loan estimate delivery date is on or after the initial closing disclosure delivery date he creditor shall not provide a revised version of the disclosures required under §1026.19(e)(1)(i) on or after the date on which the creditor provides the disclosures required under §1026.19(f)(1)(i). The consumer must receive a revised version of the disclosures required under §1026.19(e)(1)(i) not later than four business days prior to consummation. If the revised version of the disclosures required §1026.19(e)(1)(i) is not provided to the consumer in person, the consumer is considered to have received such version three business days after the creditor delivers or places such version in the mail. Without evidence of receipt, it is assumed that the disclosure dated XX/XX/XXXX was mailed, and therefore not received by the consumer XXX business days prior to the consummation date, XXX/XXX/XXX. The defect can be cured by providing evidence showing the consumer received the loan estimate at least XXX business days prior to consummation.
Document Uploaded. Please see the attached internal screenshot showing that the LE dated XX/XX/XXXX was viewed/received by the borrower on XXX/XXX/XXX. Please be aware, 'Website FYI' denotes the time the LE was viewed/received by the borrower electronically.
05/15/2026
Delivery date provided; Exception resolved; Delivery date provided; Exception resolved
05/18/2026
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
C
A
C
A
A
A
A
A
C
A
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409054146
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/13/2026
Resolved
FCRE8999
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational
05/14/2026
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
C
A
A
A
A
A
A
A
C
A
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409054146
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/13/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
05/14/2026
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
C
A
A
A
A
A
A
A
C
A
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409054147
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/07/2026
Resolved
FCOM8997
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational
05/11/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 65.78% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 65.78% is less than Guideline CLTV of 80% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job.
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
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A
A
A
A
A
A
A
409054147
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/08/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
05/11/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 65.78% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 65.78% is less than Guideline CLTV of 80% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job.
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
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A
A
A
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A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409054147
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/08/2026
Resolved
FCRE8999
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational
05/11/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 65.78% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 65.78% is less than Guideline CLTV of 80% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job.
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
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A
A
A
A
A
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A
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A
A
A
A
A
A
A
A
409054148
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/04/2026
Rescinded
finding-3634
Compliance
Charges That Cannot Increase Test
This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination XXXing to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of XXX is due to increase from XXX to XXX for the Lender's Title Policy on LE XXX/XXX/XXX. Providing the date in which the borrower received the Revised LE may cure the violation.
Document Uploaded. Please see attached, the CIC for the increase in title policy was updating the XXX from SFR to PUD.
05/06/2026
Valid COC in file; exception resolved; Valid COC in file; exception resolved
05/07/2026
  
C
A
C
A
A
A
A
A
C
A
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409054148
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/04/2026
Resolved
FCRE8999
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational
05/05/2026
Original LTV is Below the Guideline Maximum - Calculated LTV of 59.2% is less than Guideline LTV of 89.99% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 59.2% is less than Guideline CLTV of 89.99% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
C
A
A
A
A
A
A
A
C
A
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409054148
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/04/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
05/05/2026
Original LTV is Below the Guideline Maximum - Calculated LTV of 59.2% is less than Guideline LTV of 89.99% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 59.2% is less than Guideline CLTV of 89.99% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
C
A
A
A
A
A
A
A
C
A
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409054149
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/13/2026
Resolved
FCRE8999
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational
05/15/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
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A
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A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409054149
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/13/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
05/15/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
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A
A
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A
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A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409054149
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/14/2026
Resolved
FCOM8997
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational
05/15/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
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A
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A
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A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409054150
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
06/01/2026
Resolved
FCRE1186
Credit
Audited DTI Exceeds AUS DTI
Audited DTI of XXX% exceeds AUS DTI of XXX% DU in file seems to be not the latest version. XXX DTI XXX%
Document Uploaded. Please see attached, updated AUS findings as requested.
06/12/2026
Audited DTI of XXX% is less than or equal to AUS DTI of XXX%; Please provide the AUS reflecting the XXX% DTI lender used to originate the loan.
06/15/2026
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
C
A
C
A
C
A
A
A
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409054150
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
06/01/2026
Resolved
FCRE1497
Credit
ATR: Reasonable Income or Assets Not Considered
ATR: Reasonable Income or Assets Not Considered. XXX business tax returns, XXX & XXX Profit & Loss Statements supporting XXX per month. are required. XXX assets were provided for reserves without ownership verification. Lender XXX notes: "The mortgage, notes bonds payable in less than 1YR can be excluded from XXX, as the Notes payable is decreasing year over year while net income is increasing year over year. Using XXX Sch L in conjunction with XXX's Sch E confirms this."
FNMA guidelines do not require a profit and loss Statement.
06/05/2026
ATR: Reasonable Income or Assets Was Considered.; ; The Business Tax Return for XXX is Missing from the loan file. Unable to accurately calculate income with the business tax return for XXX. Please provide.
06/10/2026
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
C
A
C
A
C
A
A
A
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409054150
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
06/01/2026
Resolved
FCRE1437
Credit
Income and Employment Do Not Meet Guidelines
Income and Employment Do Not Meet Guidelines XXX business tax returns, XXX & XXX Profit & Loss Statements supporting XXX per month. are required.
Document Uploaded. Please see attached, business tax returns as requested. ; FNMA guidelines do not require a profit and loss Statement.
06/09/2026
Income and Employment Meet Guidelines.; The Business Tax Return for XXX is Missing from the loan file. Unable to accurately calculate income with the business tax return for XXX. Please provide.
06/10/2026
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
C
A
C
A
C
A
A
A
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409054150
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
06/01/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
06/04/2026
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
C
A
A
A
C
A
A
A
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409054150
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
06/02/2026
Resolved
FCOM8997
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational
06/04/2026
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
C
A
A
A
C
A
A
A
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409051356
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/27/2026
Resolved
finding-3634
Compliance
Charges That Cannot Increase Test
TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of XXX is due to increase from XXX to XXX for the Appraisal Review Fee. The COC in file does not provide a valid reason for the addition of this fee. This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination XXXing to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i).
Document Uploaded. Please see attached CIC for the addition of the XXX appraisal review fee. The CU score was over XX/XX/XXXX which means a CDA was needed. The attached is a screen shot from our internal XXX system showing the CIC and confirming when the CIC occurred. Please review to clear this condition.
04/29/2026
Valid COC provided; exception resolved; Valid COC provided; exception resolved
04/30/2026
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job.
C
A
C
A
A
A
A
A
C
A
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409051356
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/27/2026
Resolved
FCRE8999
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational
04/28/2026
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job.
C
A
A
A
A
A
A
A
C
A
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409051356
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/27/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
04/28/2026
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job.
C
A
A
A
A
A
A
A
C
A
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409051359
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/27/2026
Resolved
FCOM8997
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational
04/28/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job.
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409051359
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/28/2026
Resolved
FCRE8999
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational
04/28/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job.
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409051359
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/28/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
04/28/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job.
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409054151
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
06/02/2026
Resolved
FCRE1469
Credit
Asset 3 Missing
Asset 3 Missing. Need sales proceeds documented from sale of departure residence as the debt was excluded from DTI.
Document Uploaded. Non-subject settlement Statement attached.
06/05/2026
Asset 3 Provided Or Not Applicable; CD for use of funds provided. Resolved.
06/08/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 72.67% is less than Guideline CLTV of 89.99% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 72.67% is less than Guideline LTV of 89.99%
D
A
D
A
D
A
A
A
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409054151
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
06/02/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
06/04/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 72.67% is less than Guideline CLTV of 89.99% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 72.67% is less than Guideline LTV of 89.99%
D
A
A
A
D
A
A
A
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409054151
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
06/02/2026
Resolved
FCOM8997
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational
06/04/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 72.67% is less than Guideline CLTV of 89.99% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 72.67% is less than Guideline LTV of 89.99%
D
A
A
A
D
A
A
A
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409054152
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/19/2026
Resolved
FCOM8997
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational
05/20/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job.
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409054152
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/20/2026
Resolved
FCRE8999
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational
05/20/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job.
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409054152
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/20/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
05/20/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job.
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409054153
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
06/02/2026
Cured
finding-3652
Compliance
Lender Credits That Cannot Decrease Test
TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The lender credit tolerance violation in the amount of XXX is due to decrease in Lender Credit from XXX to XXX on LE dated XXX/XXX/XXX. The COC dated XX/XX/XXXX doesn't make any reference regarding the lender credit. This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i) he loan contains charges that exceed the good faith determination XXXing to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits XXX does not exceed or equal the comparable sum of specific and non-specific lender credits ($XXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i).
Document Uploaded. Please see the attached redisclosure package.
06/16/2026
Cure package provided to the borrower; exception downgraded to a 2/B; Cure package provided to the borrower; exception downgraded to a 2/B
06/17/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 67.66% is less than Guideline CLTV of 89.99% | Original LTV is Below the Guideline Maximum - Calculated LTV of 67.66% is less than Guideline LTV of 89.99% | Borrower has stable job time - Borrower has XXX years on job.
C
B
C
B
A
A
A
A
C
B
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
409054153
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
06/01/2026
Resolved
FCRE8999
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational
06/03/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 67.66% is less than Guideline CLTV of 89.99% | Original LTV is Below the Guideline Maximum - Calculated LTV of 67.66% is less than Guideline LTV of 89.99% | Borrower has stable job time - Borrower has XXX years on job.
C
B
A
A
A
A
A
A
C
B
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
409054153
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
06/01/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
06/03/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 67.66% is less than Guideline CLTV of 89.99% | Original LTV is Below the Guideline Maximum - Calculated LTV of 67.66% is less than Guideline LTV of 89.99% | Borrower has stable job time - Borrower has XXX years on job.
C
B
A
A
A
A
A
A
C
B
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
409051362
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/27/2026
Resolved
finding-3526
Compliance
Revised Loan Estimate Delivery Date Test (prior to consummation)
This loan failed the revised loan estimate delivery date test (prior to consummation) due to one of the following findings: (12 CFR §1026.19(e)(4)(ii) he revised loan estimate delivery date is provided and the revised loan estimate method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the revised loan estimate delivery date is less than seven business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the revised loan estimate delivery date is less than four business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised loan estimate receipt date is provided and the revised loan estimate receipt date is less than four business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised loan estimate delivery date is on or after the initial closing disclosure delivery date he creditor shall not provide a revised version of the disclosures required under §1026.19(e)(1)(i) on or after the date on which the creditor provides the disclosures required under §1026.19(f)(1)(i). The consumer must receive a revised version of the disclosures required under §1026.19(e)(1)(i) not later than four business days prior to consummation. If the revised version of the disclosures required §1026.19(e)(1)(i) is not provided to the consumer in person, the consumer is considered to have received such version three business days after the creditor delivers or places such version in the mail. Without evidence of receipt, it is assumed that the disclosure dated XX/XX/XXXX was mailed, and therefore not received by the consumer XXX business days prior to the consummation date, XXX/XXX/XXX. The defect can be cured by providing evidence showing the consumer received the loan estimate at least XXX business days prior to consummation
Document Uploaded. Please see the attached internal screenshot showing that the LE dated XX/XX/XXXX was viewed/received by the borrower on XXX/XXX. Please be aware, 'Website FYI' denotes the time the LE was viewed/received by the borrower electronically.
04/29/2026
Revised LE receipt date provided; exception resolved; Revised LE receipt date provided; exception resolved
04/30/2026
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job.
C
A
C
A
A
A
A
A
C
A
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409051362
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/27/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
04/28/2026
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job.
C
A
A
A
A
A
A
A
C
A
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409051362
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/27/2026
Resolved
FCRE8999
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational
04/28/2026
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job.
C
A
A
A
A
A
A
A
C
A
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409054154
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
06/01/2026
Resolved
FCRE8999
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational
06/02/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409054154
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
06/01/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
06/02/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409054154
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
06/01/2026
Resolved
FCOM8997
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational
06/02/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409051365
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/27/2026
Resolved
FCOM8997
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational
04/29/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job.
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409051365
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/28/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
04/29/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job.
A
A
A
A
A
A
A
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A
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A
A
A
A
A
409051365
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/29/2026
Resolved
FCRE8999
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational
04/29/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job.
A
A
A
A
A
A
A
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A
A
A
A
A
A
409054156
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
06/01/2026
Rescinded
finding-3652
Compliance
Lender Credits That Cannot Decrease Test
This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i) he loan contains charges that exceed the good faith determination XXXing to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits XXX does not exceed or equal the comparable sum of specific and non-specific lender credits ($XXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The lender credit tolerance violation in the amount of XXX is due to decrease in Lender Credit from XXX to $XXX. The initial CD as well as most CD's in file were not acknowledged by the Borrower. The violation can be cured by providing proof of delivery/receipt of Initial CD at least XXX days prior to closing.
Document Uploaded. Please see the attached CD acknowledgment. It's unclear how this would clear the exception. For clarity, the website FYI is the date/time the borrower acknowledged the CD, and the outstanding status is the date/time the CD was dislcosed.
06/03/2026
Valid COC provided; exception resolved; Valid COC provided; exception resolved
06/04/2026
  
C
A
C
A
C
A
A
A
C
A
C
C
A
C
C
C
A
C
C
C
A
C
C
C
A
C
C
C
A
C
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A
A
A
A
409054156
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
06/01/2026
Resolved
FCRE1253
Credit
Missing Property Tax Cert
Missing Property Tax Cert Missing Property Tax Cert
Document Uploaded. Please see the attached tax cert.
06/03/2026
Property Tax Cert Provided
06/04/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 74.17% is less than Guideline CLTV of 95% | Original LTV is Below the Guideline Maximum - Calculated LTV of 74.17% is less than Guideline LTV of 95% | Borrower has stable job time - Borrower has XXX years on job.
C
A
C
A
C
A
A
A
C
A
C
C
A
C
C
C
A
C
C
C
A
C
C
C
A
C
C
C
A
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409054156
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
06/01/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
06/02/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 74.17% is less than Guideline CLTV of 95% | Original LTV is Below the Guideline Maximum - Calculated LTV of 74.17% is less than Guideline LTV of 95% | Borrower has stable job time - Borrower has XXX years on job.
C
A
A
A
C
A
A
A
C
A
C
C
A
C
C
C
A
C
C
C
A
C
C
C
A
C
C
C
A
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409054157
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/07/2026
Resolved
FCOM8997
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational
05/08/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 68.88% is less than Guideline CLTV of 89.99% | Original LTV is Below the Guideline Maximum - Calculated LTV of 68.88% is less than Guideline LTV of 89.99% | Borrower has stable job time - Borrower has XXX years on job.
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
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A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409054157
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/07/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
05/08/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 68.88% is less than Guideline CLTV of 89.99% | Original LTV is Below the Guideline Maximum - Calculated LTV of 68.88% is less than Guideline LTV of 89.99% | Borrower has stable job time - Borrower has XXX years on job.
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
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A
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A
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A
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A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409054157
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/07/2026
Resolved
FCRE8999
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational
05/08/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 68.88% is less than Guideline CLTV of 89.99% | Original LTV is Below the Guideline Maximum - Calculated LTV of 68.88% is less than Guideline LTV of 89.99% | Borrower has stable job time - Borrower has XXX years on job.
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409054158
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/07/2026
Resolved
FCRE2800
Credit
Verified Liquid Assets Insufficient For Closing
Verified Liquid Assets are insufficient for closing in the amount of $-XXX.
Document Uploaded. Please see the attached non-subject settlement Statement showing borrower funds for closing and reserves.
05/11/2026
Documentation provided is sufficient. Exception resolved.; Verified Liquid Assets are sufficient for closing.
05/12/2026
Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
C
B
C
A
C
A
A
A
B
B
C
C
A
B
C
C
A
B
C
C
A
B
C
C
A
B
C
C
A
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
409054158
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/07/2026
Resolved
FCRE0382
Credit
Assets do not meet guideline requirements
When the Total Qualified Asset Post Close field contains a negative value, the required assets do not meet guidelines.
Document Uploaded. Please see the attached non-subject settlement Statement showing borrower funds for closing and reserves.
05/11/2026
Documentation provided is sufficient. Exception resolved.; Funds are found to meet guidelines.
05/12/2026
Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
C
B
C
A
C
A
A
A
B
B
C
C
A
B
C
C
A
B
C
C
A
B
C
C
A
B
C
C
A
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
409054158
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/07/2026
Acknowledged
FCOM3849
Compliance
Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR  1002.14(a)(1))
The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). Documentation required to clear exception: The borrower signed the XXX day appraisal delivery waiver, but there is no evidence a copy of the appraisal was provided at closing. Provide documentation to show the date the borrower received the appraisal to confirm it was received by the borrower timely.
Unable to Resolve-Seller accepts; no change to grading.
05/11/2026
Confirmed : Unable to Resolve-Seller accepts; no change to grading.
05/11/2026
Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
C
B
B
B
C
A
A
A
B
B
C
C
A
B
C
C
A
B
C
C
A
B
C
C
A
B
C
C
A
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
409054158
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/07/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan.
    
Informational
05/08/2026
Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
C
B
A
A
C
A
A
A
B
B
C
C
A
B
C
C
A
B
C
C
A
B
C
C
A
B
C
C
A
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
409051368
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/27/2026
Resolved
FCOM8997
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational
04/28/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
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A
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A
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A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409051368
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/27/2026
Resolved
FCRE8999
Credit
No Credit Findings
The loan meets all applicable credit guidelines. The loan meets all applicable credit guidelines.
    
Informational
04/28/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409051368
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/27/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan.
    
Informational
04/28/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409054159
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/04/2026
Resolved
finding-3652
Compliance
Lender Credits That Cannot Decrease Test
This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i) he loan contains charges that exceed the good faith determination XXXing to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits XXX does not exceed or equal the comparable sum of specific and non-specific lender credits ($XXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The lender credit tolerance violation in the amount of XXX is due to decrease in Lender Credit from XXX to XXX on LE XX/XX/XXXX without a valid COC.
Please see the XX/XX/XXXX LE for confirmation. There are several valid changes of circumstance which led to the reduction lender credits. First, the XX/XX/XXXX LE represnented an unlocked rate. As such, the lender credits were subject to change. The estimated closing costs expired on XXX/XXX/XXX. Additionally, the XXXd property changed form XXX XXX to XXX XXX. The XXX also changed from XXX XXX to XXX XXX. The interest reate changedf from XXX% to XXX%. The predicted LTV changed from XXX% to XXX% These are valid Changes which decreased the overall lender credits.
05/06/2026
Valid COC provided; exception resolved; Valid COC provided; exception resolved
05/07/2026
Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
C
A
C
A
A
A
A
A
C
A
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409054159
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/05/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
05/05/2026
Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
C
A
A
A
A
A
A
A
C
A
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409054159
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/05/2026
Resolved
FCRE8999
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational
05/05/2026
Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
C
A
A
A
A
A
A
A
C
A
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409054160
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/26/2026
Resolved
FCOM8997
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational
05/27/2026
Original LTV is Below the Guideline Maximum - Calculated LTV of 66.56% is less than Guideline LTV of 89.99% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 66.56% is less than Guideline CLTV of 89.99% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job.
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409054160
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/27/2026
Resolved
FCRE8999
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational
05/27/2026
Original LTV is Below the Guideline Maximum - Calculated LTV of 66.56% is less than Guideline LTV of 89.99% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 66.56% is less than Guideline CLTV of 89.99% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job.
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409054160
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/27/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
05/27/2026
Original LTV is Below the Guideline Maximum - Calculated LTV of 66.56% is less than Guideline LTV of 89.99% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 66.56% is less than Guideline CLTV of 89.99% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job.
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409051370
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/28/2026
Resolved
FCOM8997
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational
04/29/2026
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
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409051370
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/29/2026
Resolved
FCRE8999
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational
04/29/2026
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
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409051370
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/29/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
04/29/2026
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
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409049566
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/15/2026
Resolved
FCRE8999
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational
04/17/2026
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
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409049566
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/15/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
04/17/2026
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
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409049566
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/16/2026
Resolved
FCOM8997
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational
04/17/2026
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
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409054161
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/13/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
05/14/2026
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 79.37% is less than Guideline CLTV of 89.99% | Original LTV is Below the Guideline Maximum - Calculated LTV of 79.37% is less than Guideline LTV of 89.99% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
A
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409054161
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/13/2026
Resolved
FCRE8999
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational
05/14/2026
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 79.37% is less than Guideline CLTV of 89.99% | Original LTV is Below the Guideline Maximum - Calculated LTV of 79.37% is less than Guideline LTV of 89.99% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
A
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409054161
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/14/2026
Resolved
FCOM8997
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational
05/14/2026
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 79.37% is less than Guideline CLTV of 89.99% | Original LTV is Below the Guideline Maximum - Calculated LTV of 79.37% is less than Guideline LTV of 89.99% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
A
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409054162
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/13/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
05/14/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 49.51% is less than Guideline CLTV of 89% | Original LTV is Below the Guideline Maximum - Calculated LTV of 49.51% is less than Guideline LTV of 89% | Borrower has stable job time - Borrower has XXX years on job.
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409054162
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/13/2026
Resolved
FCRE8999
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational
05/14/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 49.51% is less than Guideline CLTV of 89% | Original LTV is Below the Guideline Maximum - Calculated LTV of 49.51% is less than Guideline LTV of 89% | Borrower has stable job time - Borrower has XXX years on job.
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409054162
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/14/2026
Resolved
FCOM8997
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational
05/14/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 49.51% is less than Guideline CLTV of 89% | Original LTV is Below the Guideline Maximum - Calculated LTV of 49.51% is less than Guideline LTV of 89% | Borrower has stable job time - Borrower has XXX years on job.
A
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409051372
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/04/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
05/06/2026
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
A
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409051372
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/05/2026
Resolved
FCOM8997
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational
05/06/2026
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
A
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409051372
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/06/2026
Resolved
FCRE8999
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational
05/06/2026
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
A
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409049569
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/13/2026
Resolved
finding-3526
Compliance
Revised Loan Estimate Delivery Date Test (prior to consummation)
Without evidence of receipt, it is assumed that the disclosure dated XX/XX/XXXX was mailed, and therefore not received by the consumer XXX business days prior to the consummation date, XXX/XXX/XXX. The defect can be cured by providing evidence showing the consumer received the loan estimate at least XXX business days prior to consummation. This loan failed the revised loan estimate delivery date test (prior to consummation) due to one of the following findings: (12 CFR §1026.19(e)(4)(ii) he revised loan estimate delivery date is provided and the revised loan estimate method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the revised loan estimate delivery date is less than seven business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the revised loan estimate delivery date is less than four business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised loan estimate receipt date is provided and the revised loan estimate receipt date is less than four business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised loan estimate delivery date is on or after the initial closing disclosure delivery date he creditor shall not provide a revised version of the disclosures required under §1026.19(e)(1)(i) on or after the date on which the creditor provides the disclosures required under §1026.19(f)(1)(i). The consumer must receive a revised version of the disclosures required under §1026.19(e)(1)(i) not later than four business days prior to consummation. If the revised version of the disclosures required §1026.19(e)(1)(i) is not provided to the consumer in person, the consumer is considered to have received such version three business days after the creditor delivers or places such version in the mail.
Document Uploaded. The Final Loan Estimate acknowledgment date was not captured on the evidentiary document, which resulted in the exception. We provided internal verification proving it was acknowledged to clear the exception.
04/15/2026
Revised LE receipt date provided; exception resolved ; Revised LE receipt date provided; exception resolved
04/15/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
C
A
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409049569
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/10/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
04/14/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
C
A
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C
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409049569
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/10/2026
Resolved
FCRE8999
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational
04/14/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
C
A
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C
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409054163
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/08/2026
Resolved
FCRE8999
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational
05/11/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
A
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409054163
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/08/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
05/11/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
A
A
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409054163
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/08/2026
Resolved
FCOM8997
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational
05/11/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
A
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409049571
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/13/2026
Resolved
finding-3634
Compliance
Charges That Cannot Increase Test
This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination XXXing to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i).
Document Uploaded. Per the attached screenshot from the LOS and redisclosure history form, the origination costs increased from XXX to XXX on XX/XX/XXXX when the DTI increased above XXX% It was then reduced to XXX on XXX/XXX. No CIC is required for the reduction from XXX to XXX
04/15/2026
Valid COC provided; exception resolved ; Valid COC provided; exception resolved ; TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of XXX is due to increase from XXX to XXX The COC dated XX/XX/XXXX does not provide a reason for the increase.
04/16/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job.
C
A
C
A
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C
A
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C
C
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C
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C
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409049571
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/10/2026
Resolved
FCRE8999
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational
04/14/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job.
C
A
A
A
A
A
A
A
C
A
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409049571
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/10/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
04/14/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job.
C
A
A
A
A
A
A
A
C
A
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409049574
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/10/2026
Resolved
FCRE8999
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational
04/14/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job.
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
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A
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A
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A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409049574
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/10/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
04/14/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job.
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
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A
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A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409049574
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/14/2026
Resolved
FCOM8997
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational
04/14/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job.
A
A
A
A
A
A
A
A
A
A
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A
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A
A
A
A
A
A
A
409054165
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/07/2026
Resolved
FCRE8999
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational
05/08/2026
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job.
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
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A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409054165
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/07/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
05/08/2026
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job.
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
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A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409054165
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/07/2026
Resolved
FCOM8997
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational
05/08/2026
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job.
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
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A
A
A
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A
A
A
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A
A
A
A
A
A
A
A
409054272
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
06/01/2026
Resolved
FCRE8999
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational
06/02/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job.
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
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A
A
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A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409054272
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
06/01/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
06/02/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job.
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409054272
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
06/01/2026
Resolved
FCOM8997
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational
06/02/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job.
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
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A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409054167
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
06/01/2026
Resolved
FCRE8999
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational
06/02/2026
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
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A
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A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409054167
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
06/01/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
06/02/2026
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409054167
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
06/01/2026
Resolved
FCOM8997
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational
06/02/2026
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409049582
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/14/2026
Resolved
finding-3526
Compliance
Revised Loan Estimate Delivery Date Test (prior to consummation)
This loan failed the revised loan estimate delivery date test (prior to consummation) due to one of the following findings: (12 CFR §1026.19(e)(4)(ii) he revised loan estimate delivery date is provided and the revised loan estimate method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the revised loan estimate delivery date is less than seven business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the revised loan estimate delivery date is less than four business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised loan estimate receipt date is provided and the revised loan estimate receipt date is less than four business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised loan estimate delivery date is on or after the initial closing disclosure delivery date he creditor shall not provide a revised version of the disclosures required under §1026.19(e)(1)(i) on or after the date on which the creditor provides the disclosures required under §1026.19(f)(1)(i). The consumer must receive a revised version of the disclosures required under §1026.19(e)(1)(i) not later than four business days prior to consummation. If the revised version of the disclosures required §1026.19(e)(1)(i) is not provided to the consumer in person, the consumer is considered to have received such version three business days after the creditor delivers or places such version in the mail. Without evidence of receipt, it is assumed that the disclosure dated XX/XX/XXXX was mailed, and therefore not received by the consumer XXX business days prior to the consummation date, XX/XX/XXXX The defect can be cured by providing evidence showing the consumer received the loan estimate at least XXX business days prior to consummation
Document Uploaded. Please see the attached internal screenshot showing that the LE dated XX/XX/XXXX was viewed/received by the borrower on XX/XX/XXXX Please be aware, 'Website FYI' denotes the time the LE was viewed/received by the borrower electronically.
04/19/2026
Revised LE receipt date provided; exception resolved ; Revised LE receipt date provided; exception resolved
04/20/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90%
C
A
C
A
A
A
A
A
C
A
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409049582
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/10/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
04/14/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90%
C
A
A
A
A
A
A
A
C
A
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409049582
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/10/2026
Resolved
FCRE8999
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational
04/14/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90%
C
A
A
A
A
A
A
A
C
A
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409051387
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/28/2026
Resolved
finding-3634
Compliance
Charges That Cannot Increase Test
This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination XXXing to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i).
The reason is the CDA was required. The CID was receiving the Appraised value. The SSR score which came with the appraisal required an additional appraisal to be ordered.
04/30/2026
Valid COC provided; exception resolved; Valid COC provided; exception resolved; TILA 130b Cure Required. Refund in the amount of $XXX; Cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of XXX is due to the addition of the Appraisal Review fee on the revised LE. The COC issued XX/XX/XXXX does not provide a reason for the addition of the fee.
05/01/2026
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job.
C
A
C
A
A
A
A
A
C
A
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409051387
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/27/2026
Resolved
FCRE8999
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational
04/29/2026
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job.
C
A
A
A
A
A
A
A
C
A
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409051387
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/27/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
04/29/2026
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job.
C
A
A
A
A
A
A
A
C
A
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409049589
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/08/2026
Resolved
finding-3526
Compliance
Revised Loan Estimate Delivery Date Test (prior to consummation)
This loan failed the revised loan estimate delivery date test (prior to consummation) due to one of the following findings: (12 CFR §1026.19(e)(4)(ii) he revised loan estimate delivery date is provided and the revised loan estimate method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the revised loan estimate delivery date is less than seven business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the revised loan estimate delivery date is less than four business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised loan estimate receipt date is provided and the revised loan estimate receipt date is less than four business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised loan estimate delivery date is on or after the initial closing disclosure delivery date he creditor shall not provide a revised version of the disclosures required under §1026.19(e)(1)(i) on or after the date on which the creditor provides the disclosures required under §1026.19(f)(1)(i). The consumer must receive a revised version of the disclosures required under §1026.19(e)(1)(i) not later than four business days prior to consummation. If the revised version of the disclosures required §1026.19(e)(1)(i) is not provided to the consumer in person, the consumer is considered to have received such version three business days after the creditor delivers or places such version in the mail. Without evidence of receipt, it is assumed that the disclosure dated XX/XX/XXXX and XX/XX/XXXX was mailed, and therefore not received by the consumer XXX business days prior to the consummation date, XXX/XXX/XXX. The defect can be cured by providing evidence showing the consumer received the loan estimate at least XXX business days prior to consummation
Document Uploaded. Please see the attached le verification. The website fyi confirms the date/time the borrower received the LE, and the outstanding status is the date/time the document was created/disclosed.
04/09/2026
Revised LE receipt date provided; exception resolved; Revised LE receipt date provided; exception resolved
04/09/2026
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
C
A
C
A
A
A
A
A
C
A
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409049589
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/06/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
04/08/2026
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
C
A
A
A
A
A
A
A
C
A
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409049589
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/06/2026
Resolved
FCRE8999
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational
04/08/2026
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
C
A
A
A
A
A
A
A
C
A
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409054172
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/13/2026
Resolved
FCOM8997
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational
05/15/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 79.93% is less than Guideline CLTV of 89.99% | Original LTV is Below the Guideline Maximum - Calculated LTV of 79.93% is less than Guideline LTV of 89.99%
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409054172
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/13/2026
Resolved
FCRE8999
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational
05/15/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 79.93% is less than Guideline CLTV of 89.99% | Original LTV is Below the Guideline Maximum - Calculated LTV of 79.93% is less than Guideline LTV of 89.99%
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409054172
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/13/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
05/15/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 79.93% is less than Guideline CLTV of 89.99% | Original LTV is Below the Guideline Maximum - Calculated LTV of 79.93% is less than Guideline LTV of 89.99%
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409051390
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/27/2026
Resolved
FCOM8997
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational
04/28/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409051390
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/28/2026
Resolved
FCRE8999
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational
04/28/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409051390
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/28/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
04/28/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409051392
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/22/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
04/22/2026
Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409051392
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/22/2026
Resolved
FCRE8999
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational
04/22/2026
Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409051392
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/22/2026
Resolved
FCOM8997
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational
04/22/2026
Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409049593
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/10/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
04/14/2026
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409049593
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/10/2026
Resolved
FCOM8997
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational
04/14/2026
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409049593
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/14/2026
Resolved
FCRE8999
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational
04/14/2026
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409051400
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/27/2026
Resolved
FCOM8997
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational
04/28/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job.
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409051400
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/28/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
04/28/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job.
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409051400
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/28/2026
Resolved
FCRE8999
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational
04/28/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job.
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409051403
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/27/2026
Resolved
FCOM8997
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational
04/29/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job.
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409051403
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/28/2026
Resolved
FCRE8999
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational
04/29/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job.
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409051403
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/29/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
04/29/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job.
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409051404
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/23/2026
Acknowledged
FCOM3849
Compliance
Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR  1002.14(a)(1))
The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). Documentation required to clear exception: Evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date is required, but missing from the file.  If borrower waived the XXX day timing requirement, provide an executed appraisal waiver and evidence the appraisal was received the day of close. 
Unable to Resolve-Seller acknowledges. No change to grading.
04/24/2026
Acknowledged as 2/B grading per client request
04/27/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
B
B
B
B
A
A
A
A
B
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
409051404
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/23/2026
Resolved
FCOM5135
Compliance
Missing Required Affiliated Business Disclosure
Required Affiliated Business Disclosure Missing. Documentation required to clear exception: Please provide proof that the Affiliated Business Disclosure was provided prior to closing or provide confirmation that the lender has no affiliates.
The lender has no affiliates. Please clear.
04/24/2026
Required Affiliated Business Disclosure Documentation Provided.
04/26/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
B
B
B
A
A
A
A
A
B
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
409051404
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/22/2026
Resolved
FCRE8999
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational
04/23/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
B
B
A
A
A
A
A
A
B
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
409051404
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/23/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
04/23/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
B
B
A
A
A
A
A
A
B
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
409051407
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/04/2026
Resolved
FCRE8999
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational
05/06/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job.
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
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A
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A
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A
A
A
409051407
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/04/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
05/06/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job.
A
A
A
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A
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A
A
A
409051407
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/06/2026
Resolved
FCOM8997
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational
05/06/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job.
A
A
A
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A
A
409054185
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/26/2026
Resolved
FCOM8997
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational
05/27/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
A
A
A
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A
A
A
A
A
A
A
409054185
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/26/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
05/27/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
A
A
A
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A
A
A
A
A
A
A
409054185
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/26/2026
Resolved
FCRE8999
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational
05/27/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
A
A
A
A
A
A
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A
A
409054186
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/27/2026
Resolved
finding-3515
Compliance
Initial Loan Estimate Delivery Date Test (from application)
This loan failed the initial loan estimate delivery date test (from application) due to one of the following: (12 CFR §1026.19(e)(1)(iii)(A) he initial loan estimate delivery date is later than the third business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions) after the creditor or broker receives the consumer's written application herefore, if additional disclosures are entered into ComplianceAnalyzer, any values that would change under a valid changed circumstance if the initial loan estimate had been delivered timely, will not reset the baseline for tolerance purposes. The comparable fees for this loan will be XXX regardless of the actual values on the disclosure his calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §XXX(a)(XXX) and as it relates to §1026.19(e)(1)(iii)(A) (initial loan estimate disclosure three business days after application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:As not being open on SundayAs not being open on SaturdayPLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, ComplianceAnalyzer calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict he creditor shall deliver or place in the mail the disclosures required under §1026.19(e)(1)(i) (provision of loan estimate form) not later than the third business day after the creditor receives the consumer's application. Documentation required to clear exception. The earliest LE in the loan file was issued on XXX/XXX/XXX. The violation can be cured by providing the initial LE within XXX days of application date XXX/XXX/XXX.
Document Uploaded. Please see the attached initial loan estimate.
04/29/2026
Initial LE provided - exception resolved; Initial LE provided - exception resolved
04/30/2026
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70.52% is less than Guideline CLTV of 89.99% | Original LTV is Below the Guideline Maximum - Calculated LTV of 70.52% is less than Guideline LTV of 89.99% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
C
A
C
A
A
A
A
A
C
A
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409054186
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/28/2026
Resolved
FCRE8999
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational
04/28/2026
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70.52% is less than Guideline CLTV of 89.99% | Original LTV is Below the Guideline Maximum - Calculated LTV of 70.52% is less than Guideline LTV of 89.99% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
C
A
A
A
A
A
A
A
C
A
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409054186
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/28/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
04/28/2026
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70.52% is less than Guideline CLTV of 89.99% | Original LTV is Below the Guideline Maximum - Calculated LTV of 70.52% is less than Guideline LTV of 89.99% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
C
A
A
A
A
A
A
A
C
A
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409054188
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/19/2026
Resolved
finding-3634
Compliance
Charges That Cannot Increase Test
This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination XXXing to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b cure required. Refund in the amount of $XXX. cure package require a PCCD, LOE, Copy of Refund check or Valid COC. The exception is tied to missing initial LE issued within XXX Business day of the application dated XXX/XXX/XXX, as the earliest available LE is dated XXX/XXX/XXX. Please provide initial LE issued within XXX business days of the application date XXX/XXX/XXX. Additional Testing once LE is provided.
Please see the XX/XX/XXXX LE attached
05/21/2026
Initial LE provided; exception resolved; This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination XXXing to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i).
05/22/2026
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
C
A
C
A
A
A
A
A
C
A
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409054188
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/19/2026
Resolved
finding-3635
Compliance
Charges That In Total Cannot Increase More Than XXX% Test
This loan failed the charges that in total cannot increase more than XXX% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance XXXing to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than XXX% XXX exceed the comparable charges XXX by more than XXX% Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures n estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than XXX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). TILA 130b cure required. Refund in the amount of $XXX. cure package require a PCCD, LOE, Copy of Refund check or Valid COC. The exception is tied to missing initial LE issued within XXX Business day of the application dated XXX/XXX/XXX, as the earliest available LE is dated XXX/XXX/XXX. Please provide initial LE issued within XXX business days of the application date XXX/XXX/XXX. Additional Testing once LE is provided.
Document Uploaded. Please see the XX/XX/XXXX LE attached
05/21/2026
Initial LE provided; exception resolved; Initial LE provided; exception resolved
05/22/2026
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
C
A
C
A
A
A
A
A
C
A
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409054188
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/19/2026
Resolved
finding-3515
Compliance
Initial Loan Estimate Delivery Date Test (from application)
This loan failed the initial loan estimate delivery date test (from application) due to one of the following: (12 CFR §1026.19(e)(1)(iii)(A) he initial loan estimate delivery date is later than the third business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions) after the creditor or broker receives the consumer's written application herefore, if additional disclosures are entered into ComplianceAnalyzer, any values that would change under a valid changed circumstance if the initial loan estimate had been delivered timely, will not reset the baseline for tolerance purposes. The comparable fees for this loan will be XXX regardless of the actual values on the disclosure his calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §XXX(a)(XXX) and as it relates to §1026.19(e)(1)(iii)(A) (initial loan estimate disclosure three business days after application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:NoneThe creditor shall deliver or place in the mail the disclosures required under §1026.19(e)(1)(i) (provision of loan estimate form) not later than the third business day after the creditor receives the consumer's application. Documentation required. The initial LE dated XX/XX/XXXX per Evidentiary Document is missing from loan file. The earliest LE in the loan file dated XXX/XXX/XXX. The violation can be cured by providing the initial LE within XXX days of application date XXX/XXX/XXX.
Please see the XX/XX/XXXX LE attached
05/21/2026
Initial LE provided; exception resolved; Initial LE provided; exception resolved
05/22/2026
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
C
A
C
A
A
A
A
A
C
A
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409054188
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/18/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
05/20/2026
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
C
A
A
A
A
A
A
A
C
A
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409054188
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/20/2026
Resolved
FCRE8999
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational
05/20/2026
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
C
A
A
A
A
A
A
A
C
A
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409054270
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/13/2026
Resolved
FCOM1233
Credit
The Final 1003 is Incomplete
The Final 1003 is Incomplete. XXX is a Non-Occupant Borrower (NOO) residing at ‘XXX XXX’ and is supporting B1 & B2 to qualify. The 1003 incorrectly reflects occupancy as ‘Primary Residence.’ As a NOO, occupancy should be ‘Second Home’ or ‘Investment Property.’ Requesting an updated 1003 for XXX.
The 1003 for XXX correctly reflects that XXX current address is XXX XXX in section XXX and owns that property. While it shows primary residence for XXX XXX Ter in section XXX it simply because the transaction is on a primary residence. Section XXX is the declarations and (A) States that they do not intend to occupy the the property as the primary residence. Please escalate for this to be cleared as there does not appear to be a material issue with the information disclosed on the 1003
05/20/2026
Additional Audit review agrees with Lender. Updated 1003 for XXX is not required.; The Final 1003 is Present
05/21/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job.
D
A
D
A
D
A
A
A
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409054270
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/13/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
05/15/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job.
D
A
A
A
D
A
A
A
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409054270
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/14/2026
Resolved
FCOM8997
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational
05/15/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job.
D
A
A
A
D
A
A
A
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409054189
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/14/2026
Resolved
FCRE1186
Credit
Audited DTI Exceeds AUS DTI
Audited DTI of XXX% exceeds AUS DTI of XXX%. The DTI matches the XXX but it appears that the most recent AUS was not provided.
Document Uploaded. Please see attached, Updated AUS as requested. ; Document Uploaded.
05/20/2026
Audited DTI of XXX% is less than or equal to AUS DTI of XXX%; Lender provided a duplicate copy of the AUS submission #XXX with XXX% DTI. Audit DTI of XXX% is greater than provided AUS DTI of XXX%. Please provide an updated with XXX% DTI that matches the XXX and Audit DTI calculation.; Audited DTI of XXX% exceeds AUS DTI of XXX%
05/21/2026
Original LTV is Below the Guideline Maximum - Calculated LTV of 66.67% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 66.67% is less than Guideline CLTV of 80% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
C
A
C
A
C
A
A
A
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409054189
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/14/2026
Resolved
FCOM8997
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational
05/15/2026
Original LTV is Below the Guideline Maximum - Calculated LTV of 66.67% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 66.67% is less than Guideline CLTV of 80% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
C
A
A
A
C
A
A
A
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409054189
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/14/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
05/15/2026
Original LTV is Below the Guideline Maximum - Calculated LTV of 66.67% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 66.67% is less than Guideline CLTV of 80% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
C
A
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C
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C
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A
409051415
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/04/2026
Resolved
FCRE8999
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational
05/06/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job.
A
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409051415
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/04/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
05/06/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job.
A
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A
409051415
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/05/2026
Resolved
FCOM8997
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational
05/06/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job.
A
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A
409051418
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/22/2026
Resolved
FCOM8997
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational
04/22/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
A
A
A
A
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409051418
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/22/2026
Resolved
FCRE8999
Credit
No Credit Findings
The loan meets all applicable credit guidelines. The loan meets all applicable credit guidelines.
    
Informational
04/22/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
A
A
A
A
A
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A
A
409051418
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/22/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan.
    
Informational
04/22/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
A
A
A
A
A
A
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A
409051422
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/04/2026
Resolved
FCRE8999
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational
05/06/2026
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
A
A
A
A
A
A
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A
A
409051422
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/04/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
05/06/2026
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
A
A
A
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A
A
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A
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A
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A
A
A
A
409051422
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/05/2026
Resolved
FCOM8997
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational
05/06/2026
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
A
A
A
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A
A
A
A
A
A
409051423
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/22/2026
Resolved
FCOM8997
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational
04/23/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job.
A
A
A
A
A
A
A
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A
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A
A
A
A
A
A
A
409051423
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/22/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
04/23/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job.
A
A
A
A
A
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A
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A
A
A
A
A
A
A
A
409051423
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/22/2026
Resolved
FCRE8999
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational
04/23/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job.
A
A
A
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A
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A
A
A
A
A
A
409054193
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/07/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
05/08/2026
Original CLTV is Below the Guideline Maximum - Calculated CLTV of 53.53% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 53.53% is less than Guideline LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
A
A
A
A
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A
A
A
A
A
A
A
A
409054193
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/07/2026
Resolved
FCRE8999
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational
05/08/2026
Original CLTV is Below the Guideline Maximum - Calculated CLTV of 53.53% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 53.53% is less than Guideline LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
A
A
A
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A
A
A
A
A
A
A
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A
A
A
A
A
A
A
A
409054193
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/07/2026
Resolved
FCOM8997
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational
05/08/2026
Original CLTV is Below the Guideline Maximum - Calculated CLTV of 53.53% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 53.53% is less than Guideline LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
A
A
A
A
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A
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A
A
A
A
A
A
A
409051426
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/04/2026
Resolved
FCRE8999
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational
05/06/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job.
A
A
A
A
A
A
A
A
A
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A
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A
A
A
A
A
A
A
A
409051426
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/04/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
05/06/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job.
A
A
A
A
A
A
A
A
A
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A
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A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409051426
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/05/2026
Resolved
FCOM8997
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational
05/06/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job.
A
A
A
A
A
A
A
A
A
A
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A
A
A
A
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A
A
A
A
A
A
A
A
A
A
A
409054197
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
06/01/2026
Resolved
FCRE8611
Credit
Income/Employment General
Per K1's - borrower does not own XXX% or more of the businesses outlined below: XXX XXX XXX; XXX; XXX; XXX XXX; XXX XXX
We arent using income from any of the businesses listed. Please let me know what is required.
06/03/2026
; income calculation is based solely on the earnings from XXX and all other businesses are either not included in the calculation or being calculated with a loss. This is the most conservative way to calculate the income.; Per AUS, 1008 and 1003, Lender IS using income from all of the businesses listed. Please provide an updated 1003 showing all of the businesses (Other than XXX) with an ownership share of less than XXX% in section 1c.
06/05/2026
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 45.61% is less than Guideline CLTV of 65% | Original LTV is Below the Guideline Maximum - Calculated LTV of 45.61% is less than Guideline LTV of 65% | Borrower has stable job time - Borrower has XXX years on job.
C
A
C
A
C
A
A
A
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409054197
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
06/01/2026
Resolved
FCOM8997
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational
06/02/2026
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 45.61% is less than Guideline CLTV of 65% | Original LTV is Below the Guideline Maximum - Calculated LTV of 45.61% is less than Guideline LTV of 65% | Borrower has stable job time - Borrower has XXX years on job.
C
A
A
A
C
A
A
A
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409054197
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
06/01/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
06/02/2026
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 45.61% is less than Guideline CLTV of 65% | Original LTV is Below the Guideline Maximum - Calculated LTV of 45.61% is less than Guideline LTV of 65% | Borrower has stable job time - Borrower has XXX years on job.
C
A
A
A
C
A
A
A
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409054200
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/26/2026
Resolved
FCRE8999
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational
05/27/2026
Original LTV is Below the Guideline Maximum - Calculated LTV of 62.22% is less than Guideline LTV of 89.99% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 62.22% is less than Guideline CLTV of 89.99% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job.
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
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A
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A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409054200
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/26/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
05/27/2026
Original LTV is Below the Guideline Maximum - Calculated LTV of 62.22% is less than Guideline LTV of 89.99% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 62.22% is less than Guideline CLTV of 89.99% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job.
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
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A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409054200
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/27/2026
Resolved
FCOM8997
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational
05/27/2026
Original LTV is Below the Guideline Maximum - Calculated LTV of 62.22% is less than Guideline LTV of 89.99% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 62.22% is less than Guideline CLTV of 89.99% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job.
A
A
A
A
A
A
A
A
A
A
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A
A
A
A
A
A
A
409054202
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/07/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
05/08/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job.
A
A
A
A
A
A
A
A
A
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A
A
A
A
A
A
A
409054202
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/07/2026
Resolved
FCRE8999
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational
05/08/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job.
A
A
A
A
A
A
A
A
A
A
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A
A
A
A
A
A
A
409054202
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/07/2026
Resolved
FCOM8997
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational
05/08/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job.
A
A
A
A
A
A
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A
409051433
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/27/2026
Resolved
finding-3634
Compliance
Charges That Cannot Increase Test
This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination XXXing to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). Documentation required to clear exception. The Initial Loan Estimate dated XX/XX/XXXX (per compliance report in file) is missing from the loan file. The earliest LE in the loan file was issued on XXX/XXX/XXX. The violation can be cured by providing the initial LE within XXX days of application date XXX/XXX/XXX. Additional conditions may apply.
Document Uploaded. Please see attached XX/XX/XXXX LE.
04/29/2026
Initial LE provided; exception resolved; Initial LE provided; exception resolved
04/30/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
C
A
C
A
A
A
A
A
C
A
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
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C
A
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A
A
A
A
409051433
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/27/2026
Resolved
finding-3635
Compliance
Charges That In Total Cannot Increase More Than XXX% Test
This loan failed the charges that in total cannot increase more than XXX% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance XXXing to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than XXX% XXX exceed the comparable charges XXX by more than XXX% Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures n estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than XXX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). Documentation required to clear exception. The Initial Loan Estimate dated XX/XX/XXXX (per compliance report in file) is missing from the loan file. The earliest LE in the loan file was issued on XXX/XXX/XXX. The violation can be cured by providing the initial LE within XXX days of application date XXX/XXX/XXX. Additional conditions may apply.
Please see attached XX/XX/XXXX LE.
04/29/2026
Initial LE provided; exception resolved; Initial LE provided; exception resolved
04/30/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
C
A
C
A
A
A
A
A
C
A
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409051433
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/27/2026
Resolved
finding-3515
Compliance
Initial Loan Estimate Delivery Date Test (from application)
This loan failed the initial loan estimate delivery date test (from application) due to one of the following: (12 CFR §1026.19(e)(1)(iii)(A) he initial loan estimate delivery date is later than the third business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions) after the creditor or broker receives the consumer's written application herefore, if additional disclosures are entered into ComplianceAnalyzer, any values that would change under a valid changed circumstance if the initial loan estimate had been delivered timely, will not reset the baseline for tolerance purposes. The comparable fees for this loan will be XXX regardless of the actual values on the disclosure his calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §XXX(a)(XXX) and as it relates to §1026.19(e)(1)(iii)(A) (initial loan estimate disclosure three business days after application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:NoneThe creditor shall deliver or place in the mail the disclosures required under §1026.19(e)(1)(i) (provision of loan estimate form) not later than the third business day after the creditor receives the consumer's application. Documentation required to clear exception. The Initial Loan Estimate dated XX/XX/XXXX (per compliance report in file) is missing from the loan file. The earliest LE in the loan file was issued on XXX/XXX/XXX. The violation can be cured by providing the initial LE within XXX days of application date XX/XX/XXXX
Please see attached XX/XX/XXXX LE.
04/29/2026
Initial LE provided; exception resolved; Initial LE provided; exception resolved
04/30/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
C
A
C
A
A
A
A
A
C
A
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409051433
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/28/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan.
    
Informational
04/28/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
C
A
A
A
A
A
A
A
C
A
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409051433
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/28/2026
Resolved
FCRE8999
Credit
No Credit Findings
The loan meets all applicable credit guidelines. The loan meets all applicable credit guidelines.
    
Informational
04/28/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
C
A
A
A
A
A
A
A
C
A
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409054203
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/13/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
05/15/2026
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
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A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409054203
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/13/2026
Resolved
FCRE8999
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational
05/15/2026
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
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A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409054203
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/14/2026
Resolved
FCOM8997
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational
05/15/2026
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
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A
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A
A
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A
A
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A
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A
A
A
A
A
A
A
A
409051434
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/04/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
05/06/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job.
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
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A
A
A
A
A
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A
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A
A
A
A
A
A
A
A
409051434
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/04/2026
Resolved
FCRE8999
Credit
No Credit Findings
The loan meets all applicable credit guidelines. The loan meets all applicable credit guidelines.
    
Informational
05/06/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job.
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
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A
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A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409051434
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/05/2026
Resolved
FCOM8997
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational
05/06/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job.
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
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A
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A
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A
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A
A
A
A
A
A
A
A
A
409054206
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/07/2026
Resolved
FCRE1173
Credit
HO6 Master Insurance Policy is Missing
Missing HO-6 Master XXX Policy
Document Uploaded. Please see attached
05/11/2026
Documentation provided is sufficient. Exception resolved.; HO-6 Master XXX Policy is fully present
05/12/2026
Original LTV is Below the Guideline Maximum - Calculated LTV of 75.3% is less than Guideline LTV of 89.99% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 75.3% is less than Guideline CLTV of 89.99%
D
A
D
A
D
A
A
A
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409054206
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/07/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
05/08/2026
Original LTV is Below the Guideline Maximum - Calculated LTV of 75.3% is less than Guideline LTV of 89.99% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 75.3% is less than Guideline CLTV of 89.99%
D
A
A
A
D
A
A
A
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409054206
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/08/2026
Resolved
FCOM8997
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational
05/08/2026
Original LTV is Below the Guideline Maximum - Calculated LTV of 75.3% is less than Guideline LTV of 89.99% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 75.3% is less than Guideline CLTV of 89.99%
D
A
A
A
D
A
A
A
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409054208
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/13/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
05/15/2026
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409054208
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/13/2026
Resolved
FCRE8999
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational
05/15/2026
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409054208
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/15/2026
Resolved
FCOM8997
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational
05/15/2026
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409054274
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/26/2026
Resolved
FCRE8999
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational
05/27/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job.
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409054274
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/26/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
05/27/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job.
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
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A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409054274
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/26/2026
Resolved
FCOM8997
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational
05/27/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job.
A
A
A
A
A
A
A
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A
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A
A
A
A
A
A
A
A
409054211
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/07/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan.
    
Informational
05/11/2026
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
A
A
A
A
A
A
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A
A
A
A
A
409054211
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/07/2026
Resolved
FCRE8999
Credit
No Credit Findings
The loan meets all applicable credit guidelines. The loan meets all applicable credit guidelines.
    
Informational
05/11/2026
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
A
A
A
A
A
A
A
A
A
A
A
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A
A
A
A
A
A
409054211
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/07/2026
Resolved
FCOM8997
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational
05/11/2026
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
A
A
A
A
A
A
A
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A
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A
A
A
A
A
A
409054212
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
06/02/2026
Resolved
FCOM8997
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational
06/04/2026
Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 57.39% is less than Guideline LTV of 89.99% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 57.39% is less than Guideline CLTV of 89.99%
A
A
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A
A
A
A
A
A
A
409054212
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
06/02/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
06/04/2026
Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 57.39% is less than Guideline LTV of 89.99% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 57.39% is less than Guideline CLTV of 89.99%
A
A
A
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A
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A
A
A
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A
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A
A
A
A
A
A
A
A
409054212
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
06/04/2026
Resolved
FCRE8999
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational
06/04/2026
Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 57.39% is less than Guideline LTV of 89.99% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 57.39% is less than Guideline CLTV of 89.99%
A
A
A
A
A
A
A
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A
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A
A
A
A
A
A
A
A
A
A
A
A
409054213
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/07/2026
Resolved
FCOM8997
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational
05/11/2026
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job.
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
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A
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A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409054213
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/08/2026
Resolved
FCRE8999
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational
05/11/2026
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job.
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
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A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409054213
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/08/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
05/11/2026
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job.
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
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A
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A
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A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409051440
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/06/2026
Resolved
FCRE1184
Credit
AUS Not Provided
Missing AUS.
Document Uploaded. Please see the attached aus findings.
05/07/2026
Documentation provided is sufficient. Exception resolved.; AUS is not missing.
05/08/2026
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
D
A
D
A
D
A
A
A
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409051440
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/04/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
05/06/2026
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
D
A
A
A
D
A
A
A
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409051440
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/06/2026
Resolved
FCOM8997
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational
05/06/2026
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
D
A
A
A
D
A
A
A
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409054214
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
06/01/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
06/02/2026
Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 46.99% is less than Guideline CLTV of 89.99% | Original LTV is Below the Guideline Maximum - Calculated LTV of 46.99% is less than Guideline LTV of 89.99%
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
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A
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A
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A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409054214
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
06/02/2026
Resolved
FCOM8997
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational
06/02/2026
Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 46.99% is less than Guideline CLTV of 89.99% | Original LTV is Below the Guideline Maximum - Calculated LTV of 46.99% is less than Guideline LTV of 89.99%
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
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A
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A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409054214
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
06/02/2026
Resolved
FCRE8999
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational
06/02/2026
Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 46.99% is less than Guideline CLTV of 89.99% | Original LTV is Below the Guideline Maximum - Calculated LTV of 46.99% is less than Guideline LTV of 89.99%
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
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A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409054216
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
06/02/2026
Resolved
FCRE8999
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational
06/04/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% Calculated LTV of 80% is less than Guideline LTV of 90% | Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% Calculated CLTV of 80% is less than Guideline CLTV of 90%
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409054216
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
06/04/2026
Resolved
FCOM8997
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational
06/04/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% Calculated LTV of 80% is less than Guideline LTV of 90% | Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% Calculated CLTV of 80% is less than Guideline CLTV of 90%
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409054216
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
06/04/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
06/04/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% Calculated LTV of 80% is less than Guideline LTV of 90% | Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% Calculated CLTV of 80% is less than Guideline CLTV of 90%
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409054218
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/13/2026
Resolved
FCRE1164
Credit
Flood XXX Policy Missing
Missing Flood XXX Policy
Document Uploaded. Updated documents uploaded.; Document Uploaded. Please see attached, Floor policy information as requseted.
05/20/2026
Flood XXX Policy is fully present; The attached screenshots of Flood XXX information is not for this subject loan. Please provide evidence of Flood XXX for this loan.
05/21/2026
Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 73.23% is less than Guideline CLTV of 89.99% | Original LTV is Below the Guideline Maximum - Calculated LTV of 73.23% is less than Guideline LTV of 89.99% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
D
A
D
A
D
A
A
A
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409054218
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/13/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
05/15/2026
Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 73.23% is less than Guideline CLTV of 89.99% | Original LTV is Below the Guideline Maximum - Calculated LTV of 73.23% is less than Guideline LTV of 89.99% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
D
A
A
A
D
A
A
A
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409054218
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/15/2026
Resolved
FCOM8997
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational
05/15/2026
Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 73.23% is less than Guideline CLTV of 89.99% | Original LTV is Below the Guideline Maximum - Calculated LTV of 73.23% is less than Guideline LTV of 89.99% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
D
A
A
A
D
A
A
A
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409054219
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/18/2026
Resolved
FCRE8999
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational
05/20/2026
Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 59.28% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 59.28% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
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A
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A
A
A
A
A
A
A
A
409054219
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/18/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
05/20/2026
Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 59.28% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 59.28% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
A
A
A
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A
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A
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A
A
A
A
A
A
A
409054219
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/19/2026
Resolved
FCOM8997
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational
05/20/2026
Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 59.28% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 59.28% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
A
A
A
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A
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A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409054220
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/08/2026
Resolved
FCOM1252
Compliance
TRID: Missing Loan Estimate
Documentation required to clear exception. The Initial Loan Estimate dated XXX/XXX/XXX(per Evidentiary Document in file) is missing from the loan file. The earliest LE in the loan file was issued on XXX/XXX/XXX. The violation can be cured by providing the initial LE dated XXX/XXX/XXX.
Document Uploaded. Please see uploaded document, XX/XX/XXXX LE as requested
05/12/2026
Initial LE provided - exception resolved
05/13/2026
Original CLTV is Below the Guideline Maximum - Calculated CLTV of 60% is less than Guideline CLTV of 89.99% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 60% is less than Guideline LTV of 89.99%
D
A
D
A
A
A
A
A
D
A
D
A
A
D
D
A
A
D
D
A
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D
D
A
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D
D
A
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D
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409054220
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/08/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
05/11/2026
Original CLTV is Below the Guideline Maximum - Calculated CLTV of 60% is less than Guideline CLTV of 89.99% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 60% is less than Guideline LTV of 89.99%
D
A
A
A
A
A
A
A
D
A
D
A
A
D
D
A
A
D
D
A
A
D
D
A
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D
D
A
A
D
A
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A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409054220
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/08/2026
Resolved
FCRE8999
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational
05/11/2026
Original CLTV is Below the Guideline Maximum - Calculated CLTV of 60% is less than Guideline CLTV of 89.99% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 60% is less than Guideline LTV of 89.99%
D
A
A
A
A
A
A
A
D
A
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409054221
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
06/02/2026
Resolved
FCOM8997
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational
06/02/2026
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 63.41% is less than Guideline CLTV of 89.99% | Original LTV is Below the Guideline Maximum - Calculated LTV of 63.41% is less than Guideline LTV of 89.99%
A
A
A
A
A
A
A
A
A
A
A
A
A
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A
A
A
A
A
A
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A
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A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409054221
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
06/02/2026
Resolved
FCRE8999
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational
06/02/2026
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 63.41% is less than Guideline CLTV of 89.99% | Original LTV is Below the Guideline Maximum - Calculated LTV of 63.41% is less than Guideline LTV of 89.99%
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
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A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409054221
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
06/02/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
06/02/2026
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 63.41% is less than Guideline CLTV of 89.99% | Original LTV is Below the Guideline Maximum - Calculated LTV of 63.41% is less than Guideline LTV of 89.99%
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409054222
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/26/2026
Resolved
FCOM8997
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational
05/27/2026
Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 89.99% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 89.99% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409054222
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/27/2026
Resolved
FCRE8999
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational
05/27/2026
Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 89.99% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 89.99% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409054222
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/27/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
05/27/2026
Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 89.99% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 89.99% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409054224
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/13/2026
Resolved
FCRE8999
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational
05/15/2026
Original LTV is Below the Guideline Maximum - Calculated LTV of 68.87% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 68.87% is less than Guideline CLTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409054224
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/13/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
05/15/2026
Original LTV is Below the Guideline Maximum - Calculated LTV of 68.87% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 68.87% is less than Guideline CLTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409054224
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/14/2026
Resolved
FCOM8997
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational
05/15/2026
Original LTV is Below the Guideline Maximum - Calculated LTV of 68.87% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 68.87% is less than Guideline CLTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409054225
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/20/2026
Resolved
finding-3634
Compliance
Charges That Cannot Increase Test
TILA 130b Cure Required. Refund in the amount of $XXX: Cure package requires a PCCD, LOE, Copy of Refund Check, and proof of delivery. The exception is tied to the missing Initial LE issued within XXX business days of the application date of XXX/XXX/XXX, as the earliest available LE is dated XXX/XXX/XXX. Please provide the initial LE issued within XXX business days of the application date of XXX/XXX/XXX. Additional testing will be completed, once the initial LE is provided. This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination XXXing to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i).
Document Uploaded. Please see the XX/XX/XXXX LE attached
05/21/2026
Initial LE provided, Exception resolved; Initial LE provided, Exception resolved
05/22/2026
Borrower has stable job time - Borrower has XXX years on job.
D
A
C
A
D
A
A
A
C
A
D
D
A
C
D
D
A
C
D
D
A
C
D
D
A
C
D
D
A
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409054225
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/20/2026
Resolved
finding-3515
Compliance
Initial Loan Estimate Delivery Date Test (from application)
Documentation required to clear exception.  The Initial Loan Estimate dated XX/XX/XXXX is missing from the loan file.  The earliest LE in the loan file was issued on XXX/XXX/XXX. The violation can be cured by providing the initial LE within XXX days of application date of XXX/XXX/XXX. This loan failed the initial loan estimate delivery date test (from application) due to one of the following: (12 CFR §1026.19(e)(1)(iii)(A) he initial loan estimate delivery date is later than the third business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions) after the creditor or broker receives the consumer's written application herefore, if additional disclosures are entered into ComplianceAnalyzer, any values that would change under a valid changed circumstance if the initial loan estimate had been delivered timely, will not reset the baseline for tolerance purposes. The comparable fees for this loan will be XXX regardless of the actual values on the disclosure his calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §XXX(a)(XXX) and as it relates to §1026.19(e)(1)(iii)(A) (initial loan estimate disclosure three business days after application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:NoneThe creditor shall deliver or place in the mail the disclosures required under §1026.19(e)(1)(i) (provision of loan estimate form) not later than the third business day after the creditor receives the consumer's application.
Please see the XX/XX/XXXX LE attached
05/21/2026
Initial LE provided, Exception resolved; Initial LE provided, Exception resolved
05/22/2026
Borrower has stable job time - Borrower has XXX years on job.
D
A
C
A
D
A
A
A
C
A
D
D
A
C
D
D
A
C
D
D
A
C
D
D
A
C
D
D
A
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409054225
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/19/2026
Resolved
FCRE1483
Credit
Asset 5 Does Not Meet Guideline Requirements
Asset 5 Does Not Meet Guideline Requirements. REO Pending Sale XXX XXX XXX - credit report balance $XXX= XXX funds to borrower and file is missing Settlement Statement to confirm amount of proceed to borrower. Documentation is required.
Document Uploaded. Please see the final settlement Statement attached for the sale of XXX XXX
05/21/2026
Asset 5 Meets Guideline Requirements Or Not Applicable
05/22/2026
Borrower has stable job time - Borrower has XXX years on job.
D
A
C
A
D
A
A
A
C
A
D
D
A
C
D
D
A
C
D
D
A
C
D
D
A
C
D
D
A
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409054225
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/19/2026
Resolved
FCRE1471
Credit
Asset 5 Missing
Asset 5 Missing. REO Pending Sale XXX XXX XXX - credit report balance $XXX= XXX funds to borrower and file is missing Settlement Statement to confirm amount of proceed to borrower. Documentation is required.
Please see the final settlement Statement attached for the sale of XXX XXX
05/21/2026
Asset 5 Provided Or Not Applicable
05/22/2026
Borrower has stable job time - Borrower has XXX years on job.
D
A
D
A
D
A
A
A
C
A
D
D
A
C
D
D
A
C
D
D
A
C
D
D
A
C
D
D
A
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409054225
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/19/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
05/20/2026
Borrower has stable job time - Borrower has XXX years on job.
D
A
A
A
D
A
A
A
C
A
D
D
A
C
D
D
A
C
D
D
A
C
D
D
A
C
D
D
A
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409054226
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/08/2026
Resolved
finding-3526
Compliance
Revised Loan Estimate Delivery Date Test (prior to consummation)
This loan failed the revised loan estimate delivery date test (prior to consummation) due to one of the following findings: (12 CFR §1026.19(e)(4)(ii) he revised loan estimate delivery date is provided and the revised loan estimate method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the revised loan estimate delivery date is less than seven business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the revised loan estimate delivery date is less than four business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised loan estimate receipt date is provided and the revised loan estimate receipt date is less than four business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised loan estimate delivery date is on or after the initial closing disclosure delivery date he creditor shall not provide a revised version of the disclosures required under §1026.19(e)(1)(i) on or after the date on which the creditor provides the disclosures required under §1026.19(f)(1)(i). The consumer must receive a revised version of the disclosures required under §1026.19(e)(1)(i) not later than four business days prior to consummation. If the revised version of the disclosures required §1026.19(e)(1)(i) is not provided to the consumer in person, the consumer is considered to have received such version three business days after the creditor delivers or places such version in the mail. Without evidence of receipt, it is assumed that the disclosure dated XX/XX/XXXX was mailed, and therefore not received by the consumer XXX business days prior to the consummation date, XXX/XXX/XXX. The defect can be cured by providing evidence showing the consumer received the loan estimate at least XXX business days prior to consummation
Document Uploaded. Please see attached, XX/XX/XXXX viewed as requested. ; Document Uploaded. Please see the attached internal screenshot showing that the LE dated XX/XX/XXXX was viewed/received by the borrower on XXX/XXX/XXX. Please be aware, 'XXX' denotes the time the LE was viewed/received by the borrower electronically.
05/14/2026
LE receipt date provided - exception resolved; LE receipt date provided - exception resolved; Attached is the receipt date for LE XXX/XXX/XXX. Please provide the receipt date for LE XXX/XXX/XXX.
05/14/2026
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
C
A
C
A
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A
C
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A
409054226
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/07/2026
Resolved
FCRE8999
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational
05/11/2026
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
C
A
A
A
A
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A
C
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C
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C
C
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C
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A
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A
A
409054226
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/07/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
05/11/2026
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
C
A
A
A
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C
A
C
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C
C
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C
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C
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A
409054227
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
06/01/2026
Resolved
FCOM8997
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational
06/02/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 67.64% is less than Guideline CLTV of 89.99% | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 67.64% is less than Guideline LTV of 89.99%
A
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A
409054227
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
06/01/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
06/02/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 67.64% is less than Guideline CLTV of 89.99% | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 67.64% is less than Guideline LTV of 89.99%
A
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A
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A
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A
A
409054227
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
06/02/2026
Resolved
FCRE8999
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational
06/02/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 67.64% is less than Guideline CLTV of 89.99% | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 67.64% is less than Guideline LTV of 89.99%
A
A
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A
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A
A
409054228
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/13/2026
Resolved
FCRE8999
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational
05/15/2026
Original CLTV is Below the Guideline Maximum - Calculated CLTV of 67.69% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 67.69% is less than Guideline LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job.
A
A
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A
A
A
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A
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A
A
A
A
A
A
A
A
409054228
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/13/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
05/15/2026
Original CLTV is Below the Guideline Maximum - Calculated CLTV of 67.69% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 67.69% is less than Guideline LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job.
A
A
A
A
A
A
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A
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A
A
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A
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A
A
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A
A
A
A
A
A
A
A
409054228
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/14/2026
Resolved
FCOM8997
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational
05/15/2026
Original CLTV is Below the Guideline Maximum - Calculated CLTV of 67.69% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 67.69% is less than Guideline LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job.
A
A
A
A
A
A
A
A
A
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A
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A
A
A
A
A
A
A
A
A
A
A
A
A
A
409054229
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/20/2026
Resolved
finding-3634
Compliance
Charges That Cannot Increase Test
TILA 130b Cure Required. Refund in the amount of $XXX: Cure package requires a PCCD, LOE, Copy of Refund Check, and proof of delivery. The zero tolerance exception is tied to the missing Initial LE issued within XXX business days of the application date of XXX/XXX/XXX, as the earliest available LE is dated XXX/XXX/XXX. Please provide the initial LE issued within XXX business days of the application date of XXX/XXX/XXX. Additional testing will be completed, once the initial LE is provided. This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination XXXing to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i).
Please be advised the amount of loan points charged to the borrower on the final CD did not increase ($XXX).; Please see uploaded document, LE as requested.
05/27/2026
Valid COC in file; exception resolved; Valid COC in file; exception resolved; The COC in file did not indicate the reason the loan discount points increased; This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination XXXing to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i).
05/28/2026
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job.
C
A
C
A
A
A
A
A
C
A
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409054229
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/20/2026
Resolved
finding-3635
Compliance
Charges That In Total Cannot Increase More Than XXX% Test
TILA 130b Cure Required. Refund in the amount of $XXX: Cure package requires a PCCD, LOE, Copy of Refund Check, and proof of delivery. The XXX% tolerance exception is tied to the missing Initial LE issued within XXX business days of the application date of XXX/XXX/XXX, as the earliest available LE is dated XXX/XXX/XXX. Please provide the initial LE issued within XXX business days of the application date of XXX/XXX/XXX. Additional testing will be completed, once the initial LE is provided. This loan failed the charges that in total cannot increase more than XXX% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance XXXing to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than XXX% XXX exceed the comparable charges XXX by more than XXX% Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures n estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than XXX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi).
Please see uploaded document, LE as requested.
05/21/2026
Initial LE provided; Exception resolved; Initial LE provided; Exception resolved
05/22/2026
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job.
C
A
C
A
A
A
A
A
C
A
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
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C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409054229
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/20/2026
Resolved
finding-3515
Compliance
Initial Loan Estimate Delivery Date Test (from application)
Documentation required to clear exception. The Initial Loan Estimate dated XX/XX/XXXX is missing from the loan file. The earliest LE in the loan file was issued on XXX/XXX/XXX. The violation can be cured by providing the initial LE within XXX days of application date of XXX/XXX/XXX. This loan failed the initial loan estimate delivery date test (from application) due to one of the following: (12 CFR §1026.19(e)(1)(iii)(A) he initial loan estimate delivery date is later than the third business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions) after the creditor or broker receives the consumer's written application herefore, if additional disclosures are entered into ComplianceAnalyzer, any values that would change under a valid changed circumstance if the initial loan estimate had been delivered timely, will not reset the baseline for tolerance purposes. The comparable fees for this loan will be XXX regardless of the actual values on the disclosure his calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §XXX(a)(XXX) and as it relates to §1026.19(e)(1)(iii)(A) (initial loan estimate disclosure three business days after application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:As not being open on SundayAs not being open on SaturdayPLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, ComplianceAnalyzer calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict he creditor shall deliver or place in the mail the disclosures required under §1026.19(e)(1)(i) (provision of loan estimate form) not later than the third business day after the creditor receives the consumer's application.
Document Uploaded. Please see uploaded document, LE as requested.
05/21/2026
Initial LE provided; Exception resolved; Initial LE provided; Exception resolved
05/22/2026
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job.
C
A
C
A
A
A
A
A
C
A
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409054229
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/19/2026
Resolved
FCRE8999
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational
05/20/2026
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job.
C
A
A
A
A
A
A
A
C
A
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
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C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409054229
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/19/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
05/20/2026
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job.
C
A
A
A
A
A
A
A
C
A
C
A
A
C
C
A
A
C
C
A
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C
C
A
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C
C
A
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C
A
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A
A
A
A
A
A
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A
A
A
A
A
A
A
A
409054230
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/19/2026
Resolved
FCOM8997
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational
05/20/2026
Original LTV is Below the Guideline Maximum - Calculated LTV of 75% is less than Guideline LTV of 89.99% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 75% is less than Guideline CLTV of 89.99% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
A
A
A
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A
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A
A
A
A
A
A
A
A
A
409054230
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/20/2026
Resolved
FCRE8999
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational
05/20/2026
Original LTV is Below the Guideline Maximum - Calculated LTV of 75% is less than Guideline LTV of 89.99% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 75% is less than Guideline CLTV of 89.99% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
A
A
A
A
A
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A
A
A
A
A
A
A
A
409054230
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/20/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
05/20/2026
Original LTV is Below the Guideline Maximum - Calculated LTV of 75% is less than Guideline LTV of 89.99% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 75% is less than Guideline CLTV of 89.99% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
A
A
A
A
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A
A
A
A
A
A
A
409054231
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/13/2026
Resolved
FCOM8997
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational
05/15/2026
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Validated | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Validated | Borrower has stable job time - Borrower has XXX years on job. Validated
A
A
A
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A
A
A
A
A
A
A
A
409054231
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/13/2026
Resolved
FCRE8999
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational
05/15/2026
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Validated | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Validated | Borrower has stable job time - Borrower has XXX years on job. Validated
A
A
A
A
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A
A
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A
A
A
A
A
A
A
409054231
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/13/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
05/15/2026
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Validated | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Validated | Borrower has stable job time - Borrower has XXX years on job. Validated
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409054232
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/20/2026
Resolved
FCRE1471
Credit
Asset 5 Missing
Asset 5 Missing. Lender to provide documentation to support the Bridge Loan proceeds in the amount of $XXX.
Document Uploaded. Please see the final CD for the Bridge Loan attached
05/21/2026
Asset 5 Provided Or Not Applicable
05/21/2026
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job.
D
A
D
A
D
A
A
A
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409054232
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/18/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
05/20/2026
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job.
D
A
A
A
D
A
A
A
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409054232
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/19/2026
Resolved
FCOM8997
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational
05/20/2026
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job.
D
A
A
A
D
A
A
A
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409054233
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
06/01/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
06/02/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 72.36% is less than Guideline CLTV of 90% Calculated CLTV of 72.36% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 72.36% is less than Guideline LTV of 90% Calculated LTV of 72.36% is less than Guideline LTV of 90%
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409054233
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
06/01/2026
Resolved
FCRE8999
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational
06/02/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 72.36% is less than Guideline CLTV of 90% Calculated CLTV of 72.36% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 72.36% is less than Guideline LTV of 90% Calculated LTV of 72.36% is less than Guideline LTV of 90%
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409054233
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
06/01/2026
Resolved
FCOM8997
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational
06/02/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 72.36% is less than Guideline CLTV of 90% Calculated CLTV of 72.36% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 72.36% is less than Guideline LTV of 90% Calculated LTV of 72.36% is less than Guideline LTV of 90%
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409054234
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
06/01/2026
Resolved
FCOM8997
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational
06/02/2026
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409054234
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
06/01/2026
Resolved
FCRE8999
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational
06/02/2026
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409054234
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
06/01/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
06/02/2026
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409054235
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
06/02/2026
Resolved
FCOM1252
Compliance
TRID: Missing Loan Estimate
Documentation required to clear exception. The Initial Loan Estimate dated XX/XX/XXXX (per Evidentiary Document in file) is missing from the loan file. The earliest LE in the loan file was issued on XXX/XXX/XXX. The violation can be cured by providing the initial LE dated XXX/XXX/XXX.
Document Uploaded. Please see the attached loan estimate.
06/03/2026
Initial LE provided; exception resolved
06/04/2026
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 89.99% | Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 89.99% | Borrower has stable job time - Borrower has XXX years on job.
D
A
D
A
A
A
A
A
D
A
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409054235
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
06/01/2026
Resolved
FCRE8999
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational
06/02/2026
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 89.99% | Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 89.99% | Borrower has stable job time - Borrower has XXX years on job.
D
A
A
A
A
A
A
A
D
A
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409054235
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
06/01/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
06/02/2026
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 89.99% | Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 89.99% | Borrower has stable job time - Borrower has XXX years on job.
D
A
A
A
A
A
A
A
D
A
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409054236
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/13/2026
Resolved
FCOM8997
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational
05/15/2026
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 89.99% | Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 89.99%
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409054236
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/14/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
05/15/2026
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 89.99% | Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 89.99%
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409054236
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/15/2026
Resolved
FCRE8999
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational
05/15/2026
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 89.99% | Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 89.99%
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409054237
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/13/2026
Resolved
finding-3526
Compliance
Revised Loan Estimate Delivery Date Test (prior to consummation)
This loan failed the revised loan estimate delivery date test (prior to consummation) due to one of the following findings: (12 CFR §1026.19(e)(4)(ii) he revised loan estimate delivery date is provided and the revised loan estimate method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the revised loan estimate delivery date is less than seven business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the revised loan estimate delivery date is less than four business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised loan estimate receipt date is provided and the revised loan estimate receipt date is less than four business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised loan estimate delivery date is on or after the initial closing disclosure delivery date he creditor shall not provide a revised version of the disclosures required under §1026.19(e)(1)(i) on or after the date on which the creditor provides the disclosures required under §1026.19(f)(1)(i). The consumer must receive a revised version of the disclosures required under §1026.19(e)(1)(i) not later than four business days prior to consummation. If the revised version of the disclosures required §1026.19(e)(1)(i) is not provided to the consumer in person, the consumer is considered to have received such version three business days after the creditor delivers or places such version in the mail. Without evidence of receipt, it is assumed that the disclosure dated XX/XX/XXXX was mailed, and therefore not received by the consumer XXX business days prior to the consummation date, XXX/XXX/XXX. The defect can be cured by providing evidence showing the consumer received the loan estimate at least XXX business days prior to consummation
Document Uploaded. Please see receipt of the XX/XX/XXXX LE attached. Please note the Website FYI denotes electronic receipt.
05/18/2026
Revised LE receipt date provided; Exception resolved; Revised LE receipt date provided; Exception resolved
05/19/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 60% is less than Guideline CLTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 60% is less than Guideline LTV of 80%
C
A
C
A
A
A
A
A
C
A
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409054237
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/14/2026
Resolved
FCRE8999
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational
05/15/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 60% is less than Guideline CLTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 60% is less than Guideline LTV of 80%
C
A
A
A
A
A
A
A
C
A
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409054237
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/14/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
05/15/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 60% is less than Guideline CLTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 60% is less than Guideline LTV of 80%
C
A
A
A
A
A
A
A
C
A
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409054238
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
06/02/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
06/04/2026
Borrower has stable job time - Borrower has XXX years on job.
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409054238
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
06/02/2026
Resolved
FCRE8999
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational
06/04/2026
Borrower has stable job time - Borrower has XXX years on job.
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409054238
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
06/04/2026
Resolved
FCOM8997
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational
06/04/2026
Borrower has stable job time - Borrower has XXX years on job.
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409054239
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/28/2026
Resolved
FCRE1437
Credit
Income and Employment Do Not Meet Guidelines
Income and Employment Do Not Meet Guidelines Missing documentation to validate PITIA for Second Home on XXX. Final CD in loan images on XXX completed XX/XX/XXXX does not include escrows for Taxes. Please provide missing required documentation.
Document Uploaded. Please see the attached HOI and tax information
05/29/2026
Income and Employment Meet Guidelines
06/01/2026
Original LTV is Below the Guideline Maximum - Calculated LTV of 67.37% is less than Guideline LTV of 89.99% Calculated LTV of 67.37% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 67.37% is less than Guideline CLTV of 89.99% Calculated CLTV of 67.37% is less than Guideline CLTV of 80% | Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
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409054239
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/26/2026
Resolved
FCOM8997
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational
05/28/2026
Original LTV is Below the Guideline Maximum - Calculated LTV of 67.37% is less than Guideline LTV of 89.99% Calculated LTV of 67.37% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 67.37% is less than Guideline CLTV of 89.99% Calculated CLTV of 67.37% is less than Guideline CLTV of 80% | Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
C
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409054239
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/27/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
05/28/2026
Original LTV is Below the Guideline Maximum - Calculated LTV of 67.37% is less than Guideline LTV of 89.99% Calculated LTV of 67.37% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 67.37% is less than Guideline CLTV of 89.99% Calculated CLTV of 67.37% is less than Guideline CLTV of 80% | Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
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409054240
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
06/02/2026
Cured
finding-3652
Compliance
Lender Credits That Cannot Decrease Test
This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i) he loan contains charges that exceed the good faith determination XXXing to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits XXX does not exceed or equal the comparable sum of specific and non-specific lender credits ($XXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130 Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, or Valid COC. The lender credit tolerance violation in the amount of XXX is due to decrease in Lender Credit from XXX to XXX on CD XX/XX/XXXX without a valid COC. This exceptions is not due to the initial LE missing.
Document Uploaded. Please see the cure redisclosure pkg attached along with evidence it was mailed at a UPS location today; Lender credits are interest rate dependent and the rate was not locked until XX/XX/XXXX where XXX in credits were disclosed. There were no changes in lender credits thru closing, please review the CD addendum which confirms the borrower received XXX in interest rate credits, so there is not decrease in credits. Please review the CD addendum included in images sent to confirm ; Document Uploaded. Please see the initial LE attached
06/16/2026
Cure package provided to the borrower; exception downgraded to a 2/B; Exception retained: CD's reviewed and the total Lender Credit on the initial CD dated XX/XX/XXXX was XXX and was the same amount of XXX on the revised CD dated XXX/XXX/XXX. The final CD dated XXX/XXX/XXX, total Lender Credit decreased to XXX without a valid COC in file. Violation in the amount of XXX remains. Please provide a valid COC or cure package. ; Updated cure amount to XXX Lender credits decreased from XXX to XXX on the final CD without a valid COC in file; This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i) he loan contains charges that exceed the good faith determination XXXing to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits XXX does not exceed or equal the comparable sum of specific and non-specific lender credits ($XXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i).; This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i) he loan contains charges that exceed the good faith determination XXXing to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits XXX does not exceed or equal the comparable sum of specific and non-specific lender credits ($XXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i).
06/16/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
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B
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B
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B
409054240
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
06/02/2026
Resolved
finding-3634
Compliance
Charges That Cannot Increase Test
This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination XXXing to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure Required. Refund in the amount of $XXX: cure package requires a PCCD, LOE, Copy of Refund Check, and proof of delivery. The exception is tied to the missing Initial LE issued within XXX business days of the application date of XXX/XXX/XXX, as the earliest available LE is dated XXX/XXX/XXX.. Please provide the initial LE issued within XXX business days of the application date of XXX/XXX/XXX. Additional testing will be completed, once the initial LE is provided.
Please see the initial LE attached
06/03/2026
Initial LE provided; exception resolved; Initial LE provided; exception resolved
06/04/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
C
B
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409054240
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
06/02/2026
Resolved
finding-3635
Compliance
Charges That In Total Cannot Increase More Than XXX% Test
This loan failed the charges that in total cannot increase more than XXX% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance XXXing to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than XXX% XXX exceed the comparable charges XXX by more than XXX% Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures n estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than XXX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). TILA 130b Cure Required. Refund in the amount of $XXX: cure package requires a PCCD, LOE, Copy of Refund Check, and proof of delivery. The exception is tied to the missing Initial LE issued within XXX business days of the application date of XXX/XXX/XXX, as the earliest available LE is dated XXX/XXX/XXX.. Please provide the initial LE issued within XXX business days of the application date of XXX/XXX/XXX. Additional testing will be completed, once the initial LE is provided.
Please see the initial LE attached
06/03/2026
Initial LE provided; exception resolved; Initial LE provided; exception resolved
06/04/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
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B
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B
A
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B
409054240
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
06/02/2026
Resolved
finding-3515
Compliance
Initial Loan Estimate Delivery Date Test (from application)
This loan failed the initial loan estimate delivery date test (from application) due to one of the following: (12 CFR §1026.19(e)(1)(iii)(A) he initial loan estimate delivery date is later than the third business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions) after the creditor or broker receives the consumer's written application herefore, if additional disclosures are entered into ComplianceAnalyzer, any values that would change under a valid changed circumstance if the initial loan estimate had been delivered timely, will not reset the baseline for tolerance purposes. The comparable fees for this loan will be XXX regardless of the actual values on the disclosure his calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §XXX(a)(XXX) and as it relates to §1026.19(e)(1)(iii)(A) (initial loan estimate disclosure three business days after application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:NoneThe creditor shall deliver or place in the mail the disclosures required under §1026.19(e)(1)(i) (provision of loan estimate form) not later than the third business day after the creditor receives the consumer's application. Documentation required to clear exception. The Initial Loan Estimate dated XX/XX/XXXX is missing from the loan file. (Per the Evidentiary Doc) The earliest LE in the loan file was issued on XXX/XXX/XXX. The violation can be cured by providing the initial LE within XXX days of application date XXX/XXX/XXX.
Please see the initial LE attached
06/03/2026
Initial LE provided; exception resolved; Initial LE provided; exception resolved
06/04/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
C
B
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A
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B
A
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B
409054240
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
06/02/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
06/02/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
C
B
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B
A
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B
B
A
A
B
409054240
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
06/02/2026
Resolved
FCRE8999
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational
06/02/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
C
B
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B
A
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B
B
A
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B
409054241
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/19/2026
Resolved
FCOM8997
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational
05/20/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
A
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409054241
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/19/2026
Resolved
FCRE8999
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational
05/20/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
A
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409054241
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/19/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
05/20/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
A
A
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409054242
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
06/02/2026
Resolved
finding-3635
Compliance
Charges That In Total Cannot Increase More Than XXX% Test
This loan failed the charges that in total cannot increase more than XXX% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance XXXing to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than XXX% XXX exceed the comparable charges XXX by more than XXX% Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures n estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than XXX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). TILA 130b Cure Required. Refund in the amount of $XXX: cure package requires a PCCD, LOE, Copy of Refund Check, and proof of delivery. The exception is tied to the missing Initial LE issued within XXX business days of the application date of XXX/XXX/XXX, as the earliest available LE is dated XXX/XXX/XXX. Please provide the initial LE issued within XXX business days of the application date of XXX/XXX/XXX. Additional testing will be completed, once the initial LE is provided.
Document Uploaded. Please see the attached loan estimate.
06/03/2026
Initial LE provided; exception resolved; Initial LE provided; exception resolved
06/04/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 76.98% is less than Guideline CLTV of 89.99% Calculated CLTV of 76.98% is less than Guideline CLTV of 89.99% | Original LTV is Below the Guideline Maximum - Calculated LTV of 76.98% is less than Guideline LTV of 89.99% Calculated LTV of 76.98% is less than Guideline LTV of 89.99% | Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job.
C
B
C
A
A
A
A
A
C
B
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
409054242
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
06/02/2026
Resolved
finding-3515
Compliance
Initial Loan Estimate Delivery Date Test (from application)
This loan failed the initial loan estimate delivery date test (from application) due to one of the following: (12 CFR §1026.19(e)(1)(iii)(A) he initial loan estimate delivery date is later than the third business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions) after the creditor or broker receives the consumer's written application herefore, if additional disclosures are entered into ComplianceAnalyzer, any values that would change under a valid changed circumstance if the initial loan estimate had been delivered timely, will not reset the baseline for tolerance purposes. The comparable fees for this loan will be XXX regardless of the actual values on the disclosure his calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §XXX(a)(XXX) and as it relates to §1026.19(e)(1)(iii)(A) (initial loan estimate disclosure three business days after application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:NoneThe creditor shall deliver or place in the mail the disclosures required under §1026.19(e)(1)(i) (provision of loan estimate form) not later than the third business day after the creditor receives the consumer's application. Documentation required to clear exception. The Initial Loan Estimate dated XX/XX/XXXX (per disclosure tracking p152 file) is missing from the loan file. The earliest LE in the loan file was issued on XXX/XXX/XXX. The violation can be cured by providing the initial LE within XXX days of application date.
Document Uploaded. Please see the attached loan estimate.
06/03/2026
Initial LE provided; exception resolved; Initial LE provided; exception resolved
06/04/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 76.98% is less than Guideline CLTV of 89.99% Calculated CLTV of 76.98% is less than Guideline CLTV of 89.99% | Original LTV is Below the Guideline Maximum - Calculated LTV of 76.98% is less than Guideline LTV of 89.99% Calculated LTV of 76.98% is less than Guideline LTV of 89.99% | Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job.
C
B
C
A
A
A
A
A
C
B
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
409054242
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
06/02/2026
Resolved
finding-3634
Compliance
Charges That Cannot Increase Test
This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination XXXing to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure Required. Refund in the amount of $XXX: cure package requires a PCCD, LOE, Copy of Refund Check, and proof of delivery. The exception is tied to the missing Initial LE issued within XXX business days of the application date of XXX/XXX/XXX, as the earliest available LE is dated XXX/XXX/XXX. Please provide the initial LE issued within XXX business days of the application date of XXX/XXX/XXX. Additional testing will be completed, once the initial LE is provided.
Document Uploaded. Please see the attached loan estimate.
06/03/2026
Initial LE provided; exception resolved; Initial LE provided; exception resolved
06/04/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 76.98% is less than Guideline CLTV of 89.99% Calculated CLTV of 76.98% is less than Guideline CLTV of 89.99% | Original LTV is Below the Guideline Maximum - Calculated LTV of 76.98% is less than Guideline LTV of 89.99% Calculated LTV of 76.98% is less than Guideline LTV of 89.99% | Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job.
C
B
C
A
A
A
A
A
C
B
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
409054242
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
06/02/2026
Acknowledged
FCOM3849
Compliance
Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR  1002.14(a)(1))
The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). Documentation required to clear exception: Evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date is required, but missing from the file.
Unable to Resolve-seller accepts; no change to grading.
06/03/2026
Acknowledged as 2/B grading per client request
06/03/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 76.98% is less than Guideline CLTV of 89.99% Calculated CLTV of 76.98% is less than Guideline CLTV of 89.99% | Original LTV is Below the Guideline Maximum - Calculated LTV of 76.98% is less than Guideline LTV of 89.99% Calculated LTV of 76.98% is less than Guideline LTV of 89.99% | Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job.
C
B
B
B
A
A
A
A
C
B
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
409054242
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
06/01/2026
Resolved
FCRE8999
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational
06/02/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 76.98% is less than Guideline CLTV of 89.99% Calculated CLTV of 76.98% is less than Guideline CLTV of 89.99% | Original LTV is Below the Guideline Maximum - Calculated LTV of 76.98% is less than Guideline LTV of 89.99% Calculated LTV of 76.98% is less than Guideline LTV of 89.99% | Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job.
C
B
A
A
A
A
A
A
C
B
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
409054242
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
06/01/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
06/02/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 76.98% is less than Guideline CLTV of 89.99% Calculated CLTV of 76.98% is less than Guideline CLTV of 89.99% | Original LTV is Below the Guideline Maximum - Calculated LTV of 76.98% is less than Guideline LTV of 89.99% Calculated LTV of 76.98% is less than Guideline LTV of 89.99% | Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job.
C
B
A
A
A
A
A
A
C
B
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
409054247
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/19/2026
Resolved
finding-3634
Compliance
Charges That Cannot Increase Test
TILA 130b Cure Required: Refund in the amount of $XXX; Cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of XXX is due to to the addition of the Appraisal Review fee in the amount of XXX on the revised CD dated XXX/XXX/XXX. There is no COC provided. This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination XXXing to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i).
Document Uploaded. Please be advised the SSR report run XX/XX/XXXX requiring a CDA and the appraisal fee increase was disclosed within XXX days.
05/22/2026
Valid COC provided; exception resolved; Valid COC provided; exception resolved
05/26/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job.
C
A
C
A
A
A
A
A
C
A
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409054247
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/19/2026
Resolved
FCRE8999
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational
05/20/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job.
C
A
A
A
A
A
A
A
C
A
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409054247
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/19/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
05/20/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job.
C
A
A
A
A
A
A
A
C
A
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409054248
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
06/08/2026
Rescinded
finding-3652
Compliance
Lender Credits That Cannot Decrease Test
This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i) he loan contains charges that exceed the good faith determination XXXing to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits XXX does not exceed or equal the comparable sum of specific and non-specific lender credits ($XXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i) he loan contains charges that exceed the good faith determination XXXing to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits XXX does not exceed or equal the comparable sum of specific and non-specific lender credits ($XXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). Initial LE provided is not locked and therefore the tolerance credit provided did not decrease from the first LOCKED loan estimate. Secondly, the final lender credit is XXX not XXX Initial LE provided is not locked and therefore the tolerance credit provided did not decrease from the first LOCKED loan estimate. Secondly, the final lender credit is XXX not XXX Initial LE provided is not locked and therefore the tolerance credit provided did not decrease from the first LOCKED loan estimate. Secondly, the final lender credit is XXX not XXX Lender credit did not decrease - exception rescinded Lender credit did not decrease - exception rescinded
  
TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The lender credit tolerance violation in the amount of XXX is due to decrease in Lender Credit from $329400to XXX on CD XX/XX/XXXX without a COC.
06/11/2026
  
C
A
C
A
A
A
A
A
C
A
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409054248
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
06/02/2026
Resolved
finding-3634
Compliance
Charges That Cannot Increase Test
This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination XXXing to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure Required. Refund in the amount of $XXX: cure package requires a PCCD, LOE, Copy of Refund Check, and proof of delivery. The exception is tied to the missing Initial LE issued within XXX business days of the application date of XXX/XXX/XXX, as the earliest available LE is dated XXX/XXX/XXX. Please provide the initial LE issued within XXX business days of the application date of XXX/XXX/XXX. Additional testing will be completed, once the initial LE is provided.
Document Uploaded. Please see the attached loan estimate.
06/05/2026
Initial LE provided - exception resolved; Initial LE provided - exception resolved; This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination XXXing to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i).
06/08/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job.
C
A
C
A
A
A
A
A
C
A
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409054248
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
06/02/2026
Resolved
finding-3635
Compliance
Charges That In Total Cannot Increase More Than XXX% Test
This loan failed the charges that in total cannot increase more than XXX% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance XXXing to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than XXX% XXX exceed the comparable charges XXX by more than XXX% Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures n estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than XXX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). TILA 130b Cure Required. Refund in the amount of $XXX: cure package requires a PCCD, LOE, Copy of Refund Check, and proof of delivery. The exception is tied to the missing Initial LE issued within XXX business days of the application date of XXX/XXX/XXX, as the earliest available LE is dated XXX/XXX/XXX. Please provide the initial LE issued within XXX business days of the application date of XXX/XXX/XXX. Additional testing will be completed, once the initial LE is provided.
Document Uploaded. Please see the attached loan estimate.
06/05/2026
Initial LE provided - exception resolved; Initial LE provided - exception resolved
06/08/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job.
C
A
C
A
A
A
A
A
C
A
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409054248
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
06/02/2026
Resolved
finding-3515
Compliance
Initial Loan Estimate Delivery Date Test (from application)
This loan failed the initial loan estimate delivery date test (from application) due to one of the following: (12 CFR §1026.19(e)(1)(iii)(A) he initial loan estimate delivery date is later than the third business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions) after the creditor or broker receives the consumer's written application herefore, if additional disclosures are entered into ComplianceAnalyzer, any values that would change under a valid changed circumstance if the initial loan estimate had been delivered timely, will not reset the baseline for tolerance purposes. The comparable fees for this loan will be XXX regardless of the actual values on the disclosure his calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §XXX(a)(XXX) and as it relates to §1026.19(e)(1)(iii)(A) (initial loan estimate disclosure three business days after application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:As not being open on SundayAs not being open on SaturdayPLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, ComplianceAnalyzer calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict he creditor shall deliver or place in the mail the disclosures required under §1026.19(e)(1)(i) (provision of loan estimate form) not later than the third business day after the creditor receives the consumer's application. Documentation required to clear exception. The Initial Loan Estimate dated XX/XX/XXXX (per evidentiary document) is missing from the loan file. The earliest LE in the loan file was issued on XXX/XXX/XXX. The violation can be cured by providing the initial LE within XXX days of application date XXX/XXX/XXX.
Document Uploaded. Please see the attached loan estimate.
06/05/2026
Initial LE provided - exception resolved; Initial LE provided - exception resolved
06/08/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job.
C
A
C
A
A
A
A
A
C
A
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409054248
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
06/02/2026
Resolved
FCRE8999
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational
06/04/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job.
C
A
A
A
A
A
A
A
C
A
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409054248
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
06/02/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
06/04/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job.
C
A
A
A
A
A
A
A
C
A
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409054251
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
06/04/2026
Resolved
FCOM1252
Compliance
TRID: Missing Loan Estimate
Documentation required to clear exception. The Initial Loan Estimate dated XX/XX/XXXX (per evidentiary document in file) is missing from the loan file. The earliest LE in the loan file was issued on XXX/XXX/XXX. The violation can be cured by providing the initial LE.
Document Uploaded. Please see the attached initial LE.
06/05/2026
Initial LE provided - exception resolved
06/08/2026
Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 48.08% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 48.08% is less than Guideline CLTV of 80%
D
A
D
A
A
A
A
A
D
A
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409054251
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
06/02/2026
Resolved
finding-3526
Compliance
Revised Loan Estimate Delivery Date Test (prior to consummation)
This loan failed the revised loan estimate delivery date test (prior to consummation) due to one of the following findings: (12 CFR §1026.19(e)(4)(ii) he revised loan estimate delivery date is provided and the revised loan estimate method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the revised loan estimate delivery date is less than seven business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the revised loan estimate delivery date is less than four business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised loan estimate receipt date is provided and the revised loan estimate receipt date is less than four business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised loan estimate delivery date is on or after the initial closing disclosure delivery date he creditor shall not provide a revised version of the disclosures required under §1026.19(e)(1)(i) on or after the date on which the creditor provides the disclosures required under §1026.19(f)(1)(i). The consumer must receive a revised version of the disclosures required under §1026.19(e)(1)(i) not later than four business days prior to consummation. If the revised version of the disclosures required §1026.19(e)(1)(i) is not provided to the consumer in person, the consumer is considered to have received such version three business days after the creditor delivers or places such version in the mail. Without evidence of receipt, it is assumed that the disclosure dated XX/XX/XXXX was mailed, and therefore not received by the consumer XXX business days prior to the consummation date, XX/XX/XXXX The defect can be cured by providing evidence showing the consumer received the loan estimate at least XXX business days prior to consummation. This Loan Estimate contained a Change of circumstance for the lender credit. Providing evidence of receipt of the loan estimate could cure this violation.
Document Uploaded. Please see the attached internal screenshot showing that the LE dated XX/XX/XXXX was viewed/received by the borrower on XXX/XXX. Please be aware, 'Website FYI' denotes the time the LE was viewed/received by the borrower electronically.
06/05/2026
LE receipt date provided - exception resolved; LE receipt date provided - exception resolved
06/08/2026
Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 48.08% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 48.08% is less than Guideline CLTV of 80%
D
A
C
A
A
A
A
A
D
A
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409054251
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
06/04/2026
Resolved
FCRE8999
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational
06/04/2026
Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 48.08% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 48.08% is less than Guideline CLTV of 80%
D
A
A
A
A
A
A
A
D
A
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409054251
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
06/04/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
06/04/2026
Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 48.08% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 48.08% is less than Guideline CLTV of 80%
D
A
A
A
A
A
A
A
D
A
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409054254
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
06/02/2026
Resolved
FCRE8999
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational
06/04/2026
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409054254
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
06/02/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
06/04/2026
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409054254
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
06/04/2026
Resolved
FCOM8997
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational
06/04/2026
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409054260
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
06/01/2026
Acknowledged
FCOM1851
Compliance
Incorrect rescission model used - RTC form model H-XXX used for Same Lender or Lender Affiliate XXX
Incorrect rescission model used - RTC form model H8 (New Creditor) used for Same Lender or Lender Affiliate XXX Documentation required to clear exception: Incorrect Right to Cancel form was used. Right to cancel form H-XXX (New Lender) form was used and should have been H-XXX (Same Lender) form. In order to cure rescission needs to be re-opened with correct form and a PCCD, LOE, and proof of delivery is required.
Unable to Resolve-seller accepts; no change to grading.
06/03/2026
Acknowledged as 2/B grading per client request
06/03/2026
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
B
B
B
B
A
A
A
A
B
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
409054260
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
06/02/2026
Resolved
FCRE8999
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational
06/02/2026
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
B
B
A
A
A
A
A
A
B
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
409054260
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
06/02/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
06/02/2026
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
B
B
A
A
A
A
A
A
B
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
409054262
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
06/04/2026
Acknowledged
FCOM9186
Compliance
eSigned Documents Consent is Missing
The eSigned consent disclosure is missing. Documentation required. Evidentiary document is missing from file.
Seller acknowledges exception, no change to grading.
06/05/2026
Acknowledged non-material
06/05/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
B
B
B
B
A
A
A
A
B
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
409054262
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
06/03/2026
Resolved
FCRE8999
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational
06/04/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
B
B
A
A
A
A
A
A
B
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
409054262
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
06/03/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
06/04/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
B
B
A
A
A
A
A
A
B
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
409054265
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
06/01/2026
Acknowledged
FCRE1159
Credit
Hazard XXX Effective Date is after the Disbursement Date
Hazard XXX Effective Date of XX/XX/XXXX is after the Disbursement Date of XXX-XXX-XXX. Hazard XXX Effective Date of XXX-XXX-XXX.
As the servicer of the loan, we can confirm there have been no claims made nor Statements of loss recieved related to the XXX day gap in coverage.
06/03/2026
Per lender - As the servicer of the loan, we can confirm there have been no claims made nor Statements of loss received related to the XXX day gap in coverage. Exception Acknowledged.
06/04/2026
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
C
B
C
B
C
B
A
A
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
409054265
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
06/02/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
06/02/2026
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
C
B
A
A
C
B
A
A
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
409054265
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
06/02/2026
Resolved
FCOM8997
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational
06/02/2026
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
C
B
A
A
C
B
A
A
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
409054268
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
06/02/2026
Resolved
FCRE8999
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational
06/04/2026
Borrower has stable job time - Borrower has XXX years on job.
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409054268
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
06/02/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
06/04/2026
Borrower has stable job time - Borrower has XXX years on job.
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409054268
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
06/02/2026
Resolved
FCOM8997
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational
06/04/2026
Borrower has stable job time - Borrower has XXX years on job.
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409054269
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
06/03/2026
Acknowledged
FCOM3849
Compliance
Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR  1002.14(a)(1))
The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). Documentation required to clear exception: Evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date is required, but missing from the file.
Unable to Resolve-Seller acknowledges the exception, no change in grading
06/05/2026
Confirmed : Unable to Resolve-Seller acknowledges the exception, no change in grading
06/07/2026
Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 69.35% is less than Guideline CLTV of 89.99% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 69.35% is less than Guideline LTV of 89.99%
B
B
B
B
A
A
A
A
B
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
409054269
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
06/02/2026
Resolved
FCRE8999
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational
06/04/2026
Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 69.35% is less than Guideline CLTV of 89.99% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 69.35% is less than Guideline LTV of 89.99%
B
B
A
A
A
A
A
A
B
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
409054269
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
06/02/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
06/04/2026
Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 69.35% is less than Guideline CLTV of 89.99% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 69.35% is less than Guideline LTV of 89.99%
B
B
A
A
A
A
A
A
B
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
409052833
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/02/2026
Resolved
FCRE1202
Credit
Third Party Fraud Report Partially Provided
Third Party Fraud Report Partially Provided A comprehensive fraud report (XXX or similar) must be included in each file. The report should provide loan-level information on valuation, fraud detection and include a comparison of all participant names against industry watch and exclusionary lists such as OFAC. All red flags on the report must be addressed and cleared.
Document Uploaded. Fraud; Document Uploaded. fraud audit final
04/07/2026
Third Party Fraud Report is fully present; Client provided Third Party Fraud Report. LM Updated.; Client re-uploaded searches from file. However, A comprehensive fraud report (XXX or similar) must be included in each file. The report should provide loan-level information on valuation, fraud detection and include a comparison of all participant names against industry watch and exclusionary lists such as OFAC. All red flags on the report must be addressed and cleared.
04/07/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
D
A
D
A
D
A
D
A
B
A
D
D
D
B
D
D
D
B
D
D
D
B
D
D
D
B
D
D
D
B
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052833
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/31/2026
Resolved
FCOM3849
Compliance
Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR  1002.14(a)(1))
The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). Showing evidence the borrower received the appraisal at least XXX business days prior to consummation, XXX/XXX/XXX, may cure the violation.
Document Uploaded. Appraisal delivery uploaded (If for any reason the attached should be insufficient to clear, please then acknowledge as non material, thank you!)
04/02/2026
Evidence of appraisal delivery provided.
04/03/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
D
A
B
A
D
A
D
A
B
A
D
D
D
B
D
D
D
B
D
D
D
B
D
D
D
B
D
D
D
B
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052833
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/02/2026
Resolved
FVAL1310
Property
Missing HOA/Condo Certification
The XXX reflects this is FHLMC Streamline review however the seller needs to indicate that the project meets FHLMC warrantability. They could add verbiage to the XXX or provide the attestation.
Document Uploaded. condo
04/03/2026
Client provided Attestation stating: Please accept this attestation that property know as XXX Upton Street XXX meets FHLMC warrantability. LM Updated.
04/03/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
D
A
D
A
D
A
D
A
B
A
D
D
D
B
D
D
D
B
D
D
D
B
D
D
D
B
D
D
D
B
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052833
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/31/2026
Resolved
FCRE8999
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational Only
04/01/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
D
A
A
A
D
A
D
A
B
A
D
D
D
B
D
D
D
B
D
D
D
B
D
D
D
B
D
D
D
B
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052833
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/31/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational Only
04/01/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
D
A
A
A
D
A
D
A
B
A
D
D
D
B
D
D
D
B
D
D
D
B
D
D
D
B
D
D
D
B
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052863
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/28/2026
Resolved
FCRE3606
Credit
HMDA Data Tape Not Provided
Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply.
    
HMDA received - no level XXX discrepancies - condition cleared ; HMDA Data Tape Provided.
05/04/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Calculated DTI of XXX% is less than Guideline DTI of XXX%
C
A
C
A
C
A
A
A
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052714
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
02/19/2026
Resolved
FCRE3606
Credit
HMDA Data Tape Not Provided
Loan is pending HMDA data review. Additional conditions may apply.
    
HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided.
02/27/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
C
A
C
A
C
A
A
A
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052731
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
02/19/2026
Resolved
FCRE3606
Credit
HMDA Data Tape Not Provided
Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply.
    
HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided.
02/23/2026
Original LTV is Below the Guideline Maximum - Calculated LTV of 68.25% is less than Guideline LTV of 80% Calculated LTV of 68.25% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 68.25% is less than Guideline CLTV of 80% Calculated CLTV of 68.25% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
C
A
C
A
C
A
A
A
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052727
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
02/27/2026
Resolved
FCRE3606
Credit
HMDA Data Tape Not Provided
Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply.
    
HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided.
03/06/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job.
C
A
C
A
C
A
A
A
B
A
C
C
A
B
C
C
A
B
C
C
A
B
C
C
A
B
C
C
A
B
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052727
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/02/2026
Resolved
FCOM9186
Compliance
eSigned Documents Consent is Missing
The eSigned consent disclosure is missing. Documentation required. 1st e-signed document in the file is dated XXX/XXX/XXX, however missing proof of e-consent dated XX/XX/XXXX or before.
See attached E-Consent
03/03/2026
Evidence of eConsent provided by lender. Condition cleared. ; Evidence of eConsent is provided.
03/04/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job.
C
A
B
A
C
A
A
A
B
A
C
C
A
B
C
C
A
B
C
C
A
B
C
C
A
B
C
C
A
B
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052846
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/23/2026
Resolved
FCRE3606
Credit
HMDA Data Tape Not Provided
Loan is pending HMDA data review. Additional conditions may apply.
    
HMDA review completed, no Level XXX findings noted, condition cleared. ; HMDA Data Tape Provided.
04/29/2026
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job.
C
A
C
A
C
A
A
A
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052654
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
12/24/2025
Resolved
FCRE5774
Credit
Borrower 1 Credit Report is Incomplete
Borrower 1 Credit Report is Partially Present. Missing property profile report reflecting the properties at XXX XXX and XXX XXXare owned free and clear. Missing XXX policy and tax certificate for the properties at XXX XXX and XXX XXX.
reo docs
01/14/2026
Lender provided a property profile report reflecting the properties at XXX XXX and XXX XXXare owned free and clear and evidence of tax and XXX for the same. Condition cleared. ; Borrower 1 Credit Report is not partially present.
01/19/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
C
A
C
A
C
A
A
A
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052654
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
12/24/2025
Resolved
FCRE3606
Credit
HMDA Data Tape Not Provided
Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply.
    
HMDA tape provided, no discrepancies noted. Condition cleared.; HMDA review completed, no Level XXX findings noted, condition cleared. ; HMDA Data Tape Provided.
01/14/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
C
A
C
A
C
A
A
A
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052687
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/06/2026
Resolved
FCRE3606
Credit
HMDA Data Tape Not Provided
Loan is pending HMDA data review. Additional conditions may apply.
    
HMDA received - no level XXX discrepancies - condition cleared; HMDA Data Tape Provided.
03/11/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job.
C
A
C
A
C
A
A
A
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052716
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
02/02/2026
Resolved
FCRE3606
Credit
HMDA Data Tape Not Provided
Loan is pending HMDA data review. Additional conditions may apply.
Please see attached 1003. HMDA information is listed in section XXX
02/06/2026
HMDA review completed, no Level XXX findings noted, condition cleared.; Due Diligence will review. Nothing required at this time.
02/10/2026
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
C
A
C
A
C
A
A
A
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052709
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/10/2026
Cured
finding-3635
Compliance
Charges That In Total Cannot Increase More Than XXX% Test
This loan failed the charges that in total cannot increase more than XXX% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance XXXing to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than XXX% XXX exceed the comparable charges XXX by more than XXX% Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures n estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than XXX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). TILA 130b Cure Required. Refund in the amount of XXX cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The XXX% tolerance violation in the amount of XXX is due to increase from XXX to XXX for the recording. The change occurred on CD issued XX/XX/XXXX without a valid COC. Final Charges That In Total Cannot Increase More Than XXX% Total = XXX Recording, Comparable Charges That In Total Cannot Increase More Than XXX% Total XXX Recording, Tolerance variance amount for charges that in total cannot increase more than XXX% = XXX
uploaded PCCD, LOE, Copy of Check, FedEx Label
03/26/2026
Cure package provided to the borrower; exception downgraded to a 2/B; Cure package provided to the borrower; exception downgraded to a 2/B
03/26/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job.
D
B
C
B
D
A
A
A
C
B
D
D
A
C
D
D
A
C
D
D
A
C
D
D
A
C
D
D
A
C
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
409052709
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/10/2026
Resolved
FCRE3653
Credit
Missing letter of explanation
Lender to provide satisfactory explanation and documents to show borrower will live in the property as an owner occupied property. Borrower works as an XXX for XXX. Property is in XXX.
Uploaded rebuttal showing B1 is a XXX with XXX years experience with the last XXX years with XXX
03/17/2026
Lender provided LOX which is supported; condition cleared.
03/18/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job.
D
B
D
A
D
A
A
A
C
B
D
D
A
C
D
D
A
C
D
D
A
C
D
D
A
C
D
D
A
C
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
409052709
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/10/2026
Resolved
FCRE3606
Credit
HMDA Data Tape Not Provided
Loan is pending HMDA data review. Additional conditions may apply.
    
HMDA received - no level XXX discrepancies - condition cleared ; HMDA Data Tape Provided.
03/16/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job.
D
B
C
A
D
A
A
A
C
B
D
D
A
C
D
D
A
C
D
D
A
C
D
D
A
C
D
D
A
C
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
409052709
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/10/2026
Resolved
FCOM5135
Compliance
Missing Required Affiliated Business Disclosure
Required Affiliated Business Disclosure Missing Documentation required to clear exception: Please provide proof that the Affiliated Business Disclosure was provided prior to closing or provide confirmation that the lender has no affiliates.
Lender Attestation uploaded
03/13/2026
Lender provided Affiliated Business letter; condition cleared.; Material
03/16/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job.
D
B
B
A
D
A
A
A
C
B
D
D
A
C
D
D
A
C
D
D
A
C
D
D
A
C
D
D
A
C
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
409052709
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/10/2026
Resolved
FCOM9186
Compliance
eSigned Documents Consent is Missing
The eSigned consent disclosure is missing. Documentation required. 1st e-signed document in the file is dated XXX/XXX/XXX, however missing proof of e-consent dated XX/XX/XXXX or before.
uploaded proof of eConsent acknowledgement found on page XXX in the last column highlighted.
03/13/2026
Lender provided Evidence of eConsent; condition cleared.; Material
03/16/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job.
D
B
B
A
D
A
A
A
C
B
D
D
A
C
D
D
A
C
D
D
A
C
D
D
A
C
D
D
A
C
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
409052737
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
02/18/2026
Resolved
FCRE3606
Credit
HMDA Data Tape Not Provided
Loan is pending HMDA data review. Additional conditions may apply.
    
HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided.
02/27/2026
Original LTV is Below the Guideline Maximum - Calculated LTV of 68.73% is less than Guideline LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 68.73% is less than Guideline CLTV of 80% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job.
D
A
C
A
D
A
A
A
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052737
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
02/18/2026
Resolved
FCRE7497
Credit
Missing verification of taxes, XXX, and/or HOA fees for non-subject property
Missing proof of HOA for the property at XXX XXX showing on Final 1003 as XXX per month. Additional conditions may apply.
hoa dues
02/26/2026
Lender provided HOA Lox. Condition cleared
02/27/2026
Original LTV is Below the Guideline Maximum - Calculated LTV of 68.73% is less than Guideline LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 68.73% is less than Guideline CLTV of 80% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job.
D
A
D
A
D
A
A
A
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052689
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/07/2026
Resolved
FCRE1437
Credit
Income and Employment Do Not Meet Guidelines
Income and Employment Do Not Meet Guidelines XXX Lender to provide satisfactory explanation of why 1120S return is only for XXX mos of the year. (XXX/XXX/XXX-XXX/XXX/XXX.) Provide 1120S business tax return for the period of January-June XXX Lender to provide satisfactory explanation of calculation of income based on documents provided. Personal returns show a XXX with the same name as the S corp. No income on the bottom line just gross receipts. CPA letter States K1 amount of XXX is confirmed for the business, a higher number of $ XXX was mentioned but was for internal use only. Lender used that amount of XXX instead of XXX Compensation to officers aka W2 on the business return shows XXX but W2 shows XXX which was used to calculate income by the lender. Lender to provide explanation and back up with documents to confirm use of income of XXX per month as Stated on Final application. XXX Missing business return for XXX XXXs. K1 was provided but not business return. Additional conditions may apply.
Letter of explanation explaining exactly how income was calculated. Inc docs that were used, and tax return for XXX; Attached CPA letter explaining why 1120S only covered XXX months.
04/28/2026
XXX). Lender provided the XXX for XXX. Inc. dated XXX/XXX/XXX-XXX/XXX/XXX. XXX) Lender provided a letter of explanation explaining exactly how income was calculated docs that were used, “CPA letter confirming the business used to be a C-Corp. This is where the additional W2 income came from. Officer comp of XXX for fiscal year XX/XX/XXXX – XXX/XXX/XXX. Since the corporation expensed it and then terminated in XXX transitioning over to the 1120S we included the entire XXX as it would have been supported as expensed by the business in XXX This matches what was claimed on the XXX The income calculation is only including the XXX net income, not the XXX that they indicated in the finding. XXX W2 + XXX net + XXX depreciation - XXX meals = XXX / XXX = XXX) Lender provided the XXX Tax return for XXX. Condition cleared. ; Income and Employment Meet Guidelines; Lender provided a CPA letter dated XXX/XXX/XXX. XXX) XXX., Inc. was organized as a C Corp. until July XXX On that date the corporation was reclassified to an S Corp. Please provide C-Corp. return XXX for January-June XXX) CPA letter in file dated XX/XX/XXXXates K1 amount of XXX is confirmed for the business, a higher number of $ XXX was mentioned but was for internal use only. Lender used the higher amount of XXX instead of XXX Please provide explanation, and back up with documents to confirm the use of income of XXX per month as Stated on Final application. XXX) For XXX XXXs. Business return are not in file. XXX% ownership from K1 with a small loss. Need full returns per Fannie Mae. Condition retained.
04/29/2026
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
C
A
C
A
C
A
A
A
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052689
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/07/2026
Resolved
FCRE3606
Credit
HMDA Data Tape Not Provided
Loan is pending HMDA data review. Additional conditions may apply.
    
HMDA received - no level XXX discrepancies - condition cleared; HMDA Data Tape Provided.
04/13/2026
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
C
A
C
A
C
A
A
A
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052805
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/23/2026
Resolved
FCRE3606
Credit
HMDA Data Tape Not Provided
Loan is pending HMDA data review. Additional conditions may apply.
    
HMDA review completed, no Level XXX findings noted, condition cleared. ; HMDA Data Tape Provided.
04/29/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
C
A
C
A
C
A
A
A
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052664
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
01/14/2026
Resolved
FCRE3606
Credit
HMDA Data Tape Not Provided
Loan is pending HMDA data review. Additional conditions may apply.
    
HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided.
01/26/2026
Original LTV is Below the Guideline Maximum - Calculated LTV of 62.75% is less than Guideline LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 62.75% is less than Guideline CLTV of 80%
C
A
C
A
C
A
A
A
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052659
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
01/28/2026
Resolved
FCRE5774
Credit
Borrower 1 Credit Report is Incomplete
Borrower 1 Credit Report is Partially Present. File contains bank stmts and history of paying XXX per month in back taxes. Lender to provide satisfactory explanation of situation and documentation that taxes are paid and borrower no longer has an obligation to pay a monthly payment of XXX per month. Additional conditions may apply.
It was a XXX time payment for XXX
02/12/2026
Lender provided documentation showing this was a one time payment for the XXX taxes. Condition cleared.; Lender provided documentation showing this was a one time payment for the XXX taxes. Condition cleared.; Audit reviewed the lender's response. The file contains bank stmts and history of paying XXX per month in back taxes for XXX Lender to provide satisfactory explanation of situation and documentation that taxes are paid and borrower no longer has an obligation to pay a monthly payment of XXX per month. Additional conditions may apply. Condition retained. ; Borrower 1 Credit Report is not partially present.; Borrower 1 Credit Report is Partially Present. File contains bank stmts and history of paying XXX per month in back taxes. Lender to provide satisfactory explanation of situation and documentation that taxes are paid and borrower no longer has an obligation to pay a monthly payment of XXX per month. Additional conditions may apply.
03/03/2026
Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
C
A
C
A
C
A
A
A
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052659
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
01/28/2026
Resolved
FCRE1437
Credit
Income and Employment Do Not Meet Guidelines
Income and Employment Do Not Meet Guidelines Missing XXX Personal returns to confirm income of XXX per month. per DU approval requirements. Letter from CPA is insufficient to meet that condition. (CPA verified more than XXX yrs in business.) Additional conditions may apply.
Tax Returns; CPA
02/16/2026
Lender provided the borrower's XXX and XXX's including XXX. Income for XXX XXX & Research verified in the amount of $XXX. Condition cleared.; Per line XXX of the DU, it appears that all XXX's XXX businesses have been in existence for at least XXX years and may be eligible to be documented with one year of personal tax returns. If any of the self XXX income is being used for qualifying purposes, the income may be supported by personal tax returns covering the most recent one-year period (including all tax schedules), provided the tax returns reflect at least XXX months of self employment income. File only contains signature pages. Condition retained. ; Income and Employment Do Not Meet Guidelines Missing XXX Personal returns to confirm income of XXX per month. per DU approval requirements. Letter from CPA is insufficient to meet that condition. (CPA verified more than XXX yrs in business.) Additional conditions may apply.
02/17/2026
Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
C
A
C
A
C
A
A
A
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052659
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
01/28/2026
Resolved
FCRE3606
Credit
HMDA Data Tape Not Provided
Loan is pending HMDA data review. Additional conditions may apply.
    
HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided.
02/02/2026
Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
C
A
C
A
C
A
A
A
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052713
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
02/13/2026
Resolved
FPRO9990
Property
Third Party Valuation Product Not Provided within XXX% Tolerance
Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Missing CDA report as required.
    
Third party valuation product provided within tolerance.
03/17/2026
Original CLTV is Below the Guideline Maximum - Calculated CLTV of 64.11% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 64.11% is less than Guideline LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
D
A
C
A
D
A
C
A
D
A
D
D
C
D
D
D
C
D
D
D
C
D
D
D
C
D
D
D
C
D
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052713
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
02/13/2026
Resolved
finding-47
Compliance
TILA Right of Rescission Test
Documentation required to clear exception: Provide executed Right of Rescission for all borrowers and non-borrowers. This loan failed the TILA right of rescission test losed-end (12 CFR §1026.23(a)(3), transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3), transferred from 12 CFR §226.15(a)(3) he funding date is before the third business day following consummation he consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last.
see uploaded; settlement Statement
02/26/2026
Lender provided the final CD showing a disbursement date of XXX/XXX/XXX. Condition cleared; Lender provided the final CD showing a disbursement date of XXX/XXX/XXX. Condition cleared; Lender provided the initial CD. Please provide the final CD. Condition retained.
02/27/2026
Original CLTV is Below the Guideline Maximum - Calculated CLTV of 64.11% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 64.11% is less than Guideline LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
D
A
C
A
D
A
C
A
D
A
D
D
C
D
D
D
C
D
D
D
C
D
D
D
C
D
D
D
C
D
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052713
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
02/13/2026
Resolved
FCOM1544
Compliance
TRID: Missing Closing Disclosure
TRID: Missing Final Closing Disclosure Documentation required to clear exception: The Final CD is missing from the file. As a result, the following reviews could not be performed. TILA Accuracy, QM Testing, Federal and State Testing, tolerance violation review, and final Closing Disclosure accuracy. The defect can be cured by providing the Closing Disclosures that were issued to the consumer.
final cd; initial cd
02/26/2026
Lender provided the Closing Disclosures that were issued to the consumer. Condition cleared.; Lender provided the initial CD. Please provide the final CD. Condition retained.
02/27/2026
Original CLTV is Below the Guideline Maximum - Calculated CLTV of 64.11% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 64.11% is less than Guideline LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
D
A
D
A
D
A
C
A
D
A
D
D
C
D
D
D
C
D
D
D
C
D
D
D
C
D
D
D
C
D
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052713
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
02/27/2026
Rescinded
finding-3752
Compliance
TRID Disclosure Dates and Personal Delivery Validation Test
This loan failed the TRID disclosure dates and personal delivery validation test his loan contains either:A Revised Loan Estimate Receipt Date that is after the Revised Loan Estimate Delivery Date; orThe Initial Closing Disclosure Receipt Date that is after the Initial Closing Disclosure Delivery Date; orThe Revised Closing Disclosure Receipt Date that is after the Revised Closing Disclosure Delivery Date owever, the method of delivery is marked as "Personal." Please review the loan data to ensure the dates and method of delivery are correct. This loan failed the TRID disclosure dates and personal delivery validation test his loan contains either:A Revised Loan Estimate Receipt Date that is after the Revised Loan Estimate Delivery Date; orThe Initial Closing Disclosure Receipt Date that is after the Initial Closing Disclosure Delivery Date; orThe Revised Closing Disclosure Receipt Date that is after the Revised Closing Disclosure Delivery Date owever, the method of delivery is marked as "Personal." Please review the loan data to ensure the dates and method of delivery are correct.
  
NA
02/27/2026
  
D
A
C
A
D
A
C
A
D
A
D
D
C
D
D
D
C
D
D
D
C
D
D
D
C
D
D
D
C
D
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052713
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
02/13/2026
Resolved
FCOM1262
Compliance
Right of Rescission is Missing
Right of Rescission is Missing Documentation required to clear exception: Provide executed Right of Rescission for all borrowers and non-borrowers.
RTC
02/23/2026
Right of Rescission is Provided. Condition cleared.
02/25/2026
Original CLTV is Below the Guideline Maximum - Calculated CLTV of 64.11% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 64.11% is less than Guideline LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
D
A
D
A
D
A
C
A
D
A
D
D
C
D
D
D
C
D
D
D
C
D
D
D
C
D
D
D
C
D
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052713
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
02/13/2026
Resolved
FCOM1621
Compliance
Missing Initial Escrow Disclosure
Initial Escrow Account Disclosure is Missing Documentation required to clear exception: Please provide the Initial Escrow Account Disclosure
initial disclosure
02/23/2026
Initial Escrow Account Disclosure is Resolved. Condition cleared.; Material
02/25/2026
Original CLTV is Below the Guideline Maximum - Calculated CLTV of 64.11% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 64.11% is less than Guideline LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
D
A
B
A
D
A
C
A
D
A
D
D
C
D
D
D
C
D
D
D
C
D
D
D
C
D
D
D
C
D
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052713
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
02/13/2026
Resolved
FCOM3075
Credit
Missing US Patriot Act Disclosure or ID
Missing US Patriot Act Disclosure or ID. Missing patriot Act disclosure.
pat act
02/23/2026
Reviewed XXX Patriot Act disclosures and meets guidelines for this transaction.; Material
02/25/2026
Original CLTV is Below the Guideline Maximum - Calculated CLTV of 64.11% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 64.11% is less than Guideline LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
D
A
B
A
D
A
C
A
D
A
D
D
C
D
D
D
C
D
D
D
C
D
D
D
C
D
D
D
C
D
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052713
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
02/13/2026
Resolved
FCOM1232
Credit
The Final 1003 is Missing
The Final 1003 is Missing Missing required Final 1003 for all XXX borrowers.
1003
02/23/2026
The Final 1003 is Present
02/25/2026
Original CLTV is Below the Guideline Maximum - Calculated CLTV of 64.11% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 64.11% is less than Guideline LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
D
A
D
A
D
A
C
A
D
A
D
D
C
D
D
D
C
D
D
D
C
D
D
D
C
D
D
D
C
D
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052713
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
02/13/2026
Resolved
FCRE3606
Credit
HMDA Data Tape Not Provided
Loan is pending HMDA data review. Additional conditions may apply.
    
HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided.
02/20/2026
Original CLTV is Below the Guideline Maximum - Calculated CLTV of 64.11% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 64.11% is less than Guideline LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
D
A
C
A
D
A
C
A
D
A
D
D
C
D
D
D
C
D
D
D
C
D
D
D
C
D
D
D
C
D
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052722
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
02/06/2026
Cured
finding-3634
Compliance
Charges That Cannot Increase Test
This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination XXXing to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of XXX is due to increase from XXX to XXX for the Appraisal Fee without a COC.
Cure has been processed. Please see attached Check, PCCD, LOX, and Shipping label. XXX tracking number XXX
03/12/2026
Lender provided the PCCD, LOE, refund in the amount of XXX and evidence of delivery. Loan will be graded a B.; Lender provided the PCCD, LOE, refund in the amount of XXX and evidence of delivery. Loan will be graded a B.; Lender provided the PCCD, LOE, refund in the amount of XXX and evidence of delivery. Loan will be graded a B.; Lender provided the PCCD, LOE, refund in the amount of XXX and evidence of delivery. Loan will be graded a B.
03/13/2026
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Calculated DTI of XXX% is less than Guideline DTI of XXX% Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job. Borrower has XXX years on job.
C
B
C
B
C
A
A
A
C
B
C
C
A
C
C
C
A
C
C
C
A
C
C
C
A
C
C
C
A
C
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
409052722
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
02/06/2026
Resolved
FCRE3606
Credit
HMDA Data Tape Not Provided
Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply.
    
HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided.; Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply.
02/11/2026
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Calculated DTI of XXX% is less than Guideline DTI of XXX% Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job. Borrower has XXX years on job.
C
B
C
A
C
A
A
A
C
B
C
C
A
C
C
C
A
C
C
C
A
C
C
C
A
C
C
C
A
C
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
409052681
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
02/05/2026
Resolved
FCRE3606
Credit
HMDA Data Tape Not Provided
Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply.
    
HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided.; Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply.
02/10/2026
Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job. Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 64.29% is less than Guideline CLTV of 80% Calculated CLTV of 64.29% is less than Guideline CLTV of 80% Calculated CLTV of 64.29% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 64.29% is less than Guideline LTV of 80% Calculated LTV of 64.29% is less than Guideline LTV of 80% Calculated LTV of 64.29% is less than Guideline LTV of 80%
C
A
C
A
C
A
A
A
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052734
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
02/25/2026
Resolved
FCRE3606
Credit
HMDA Data Tape Not Provided
Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply.
    
HMDA Data Tape Provided.
03/04/2026
Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
C
A
C
A
C
A
A
A
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052710
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
02/24/2026
Resolved
FCRE5774
Credit
Borrower 1 Credit Report is Incomplete
Borrower 1 Credit Report is Partially Present. Lender to provide credit supplement to confirm monthly payment of XXX per month for the property at XXX XXX. $XXX was taken out and has been confirmed in bank account but no confirmation of monthly payment for this new debt. (Taxes, XXX and HOA are already confirmed) Additional conditions may apply.
UW used XXX% of the outstanding balance for the monthly payment which is the most conservative. Attached is what the payment would be at the rate & draw period.
02/26/2026
; Borrower 1 Credit Report is Partially Present.; Lender provided HELOC calculation with the disclosed terms. Condition cleared
03/11/2026
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
C
A
C
A
C
A
A
A
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052710
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
02/24/2026
Resolved
FCRE3606
Credit
HMDA Data Tape Not Provided
Loan is pending HMDA data review. Additional conditions may apply.
    
HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided.
02/27/2026
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
C
A
C
A
C
A
A
A
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052741
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/02/2026
Resolved
FCRE3606
Credit
HMDA Data Tape Not Provided
Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply.
    
HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided.
03/06/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job.
C
A
C
A
C
A
A
A
B
A
C
C
A
B
C
C
A
B
C
C
A
B
C
C
A
B
C
C
A
B
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052741
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/02/2026
Resolved
FCOM9186
Compliance
eSigned Documents Consent is Missing
The eSigned consent disclosure is missing. Documentation required. 1st e-signed document in the file is dated XXX/XXX/XXX, however missing proof of e-consent dated XX/XX/XXXX or before.
econsent
03/02/2026
Evidence of eConsent provided by lender. Condition cleared. ; Evidence of eConsent is provided.
03/03/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job.
C
A
B
A
C
A
A
A
B
A
C
C
A
B
C
C
A
B
C
C
A
B
C
C
A
B
C
C
A
B
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052695
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
02/16/2026
Resolved
FCRE3606
Credit
HMDA Data Tape Not Provided
Loan is pending HMDA data review. Additional conditions may apply.
    
HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided.
02/23/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
C
A
C
A
C
A
A
A
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052684
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
02/20/2026
Resolved
FCRE3606
Credit
HMDA Data Tape Not Provided
Loan is pending HMDA data review. Additional conditions may apply.
XXX to clear this condition.
02/26/2026
HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided.
02/27/2026
Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
C
A
C
A
C
A
A
A
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052762
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/16/2026
Resolved
FCRE3606
Credit
HMDA Data Tape Not Provided
Loan is pending HMDA data review. Additional conditions may apply.
    
HMDA received - no level XXX discrepancies - condition cleared; HMDA Data Tape Provided.
03/18/2026
Original LTV is Below the Guideline Maximum - Calculated LTV of 67.13% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 67.13% is less than Guideline CLTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
C
A
C
A
C
A
A
A
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052839
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/23/2026
Resolved
FCRE7497
Credit
Missing verification of taxes, XXX, and/or HOA fees for non-subject property
The final application reflects a second home located at XXX XXX with housing expenses of $XXX; however, the file does not contain documentation to support this amount. Please provide documentation to verify the housing expense used to qualify (and documentation verifying Free and Clear if applicable).
Uploaded documentation of TIA on XXX XXX
04/27/2026
Lender provided the tax, XXX and no HOA for XXX XXX, owned free and clear per fraud report and CBR. Condition cleared.
04/28/2026
Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
D
A
D
A
D
A
A
A
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052839
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/23/2026
Resolved
FCRE3606
Credit
HMDA Data Tape Not Provided
Loan is pending HMDA data review. Additional conditions may apply.
    
HMDA review completed, no Level XXX findings noted, condition cleared. ; HMDA Data Tape Provided.
04/27/2026
Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
D
A
C
A
D
A
A
A
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052701
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/06/2026
Resolved
FCRE7497
Credit
Missing verification of taxes, XXX, and/or HOA fees for non-subject property
Missing proof of taxes and XXX on the property at XXX. (Mortgage stmt doesn't breakout taxes and XXX as required) Missing proof of hazard XXX and HOA on the property at XXX XXX. Additional conditions may apply.
XXX is a condo. There is no ins. Uploaded taxes and HOA fee. | XXX is land. There is no ins or HOA. Upld property report.
03/10/2026
Lender provided supporting documentation; condition cleared.
03/11/2026
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
D
A
D
A
D
A
A
A
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052701
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/05/2026
Resolved
FCRE3606
Credit
HMDA Data Tape Not Provided
Loan is pending HMDA data review. Additional conditions may apply.
    
HMDA received - no level XXX discrepancies - condition cleared; HMDA Data Tape Provided.
03/09/2026
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
D
A
C
A
D
A
A
A
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052828
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/15/2026
Cured
finding-3634
Compliance
Charges That Cannot Increase Test
This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination XXXing to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of XXX is due to increase from XXX to XXX for the credit report fee. The COC dated XX/XX/XXXX was not accepted because "settlement charge" is not a valid reason.
Please see attached cure docs: Check, PCCD, LOX, and shipping label
04/29/2026
Cure package provided to the borrower; exception downgraded to a 2/B; Cure package provided to the borrower; exception downgraded to a 2/B
04/29/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job.
C
B
C
B
C
A
A
A
C
B
C
C
A
C
C
C
A
C
C
C
A
C
C
C
A
C
C
C
A
C
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
409052828
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/15/2026
Resolved
FCRE3606
Credit
HMDA Data Tape Not Provided
Loan is pending HMDA data review. Additional conditions may apply.
    
HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided.
04/20/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job.
C
B
C
A
C
A
A
A
C
B
C
C
A
C
C
C
A
C
C
C
A
C
C
C
A
C
C
C
A
C
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
409052756
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/06/2026
Resolved
finding-3634
Compliance
Charges That Cannot Increase Test
This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination XXXing to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of XXX is due to increase from XXX to XXX for the Appraisal Review Fee, and XXX to XXX for the Credit Report Fee on the CD dated XXX.
Please see attached MEMO and CDA Receipt; Please see attached Notice of Change of Circumstances; Cure Check, PCCD, LOX, and Shipping Label | | ; Please see PCCD and LOX for cure which was issued to the borrower
04/01/2026
Valid COC received - exception resolved; The COC provided did not contain a valid reason for the addition of the appraisal review fee. To comply with the COC requirements and rebaseline fee amounts, TPRs will look to the COC documentation in file to include the components enumerated within the regulations as set forth in the preceding paragraph. The COC documentation, at a minimum, should include: XXX) The original estimate of the cost (can be documented through fee amounts disclosed on the initial LE); XXX) specific reason for the revision and how it impacted the specific fee(s) that increased; XXX) the revised amount (can be documented through fee amounts disclosed on the revised LE/CD but increase must correspond with actual change resulting from documented COC and only fees related to the specific COC are considered for rebaseline); and XXX) the date of the changed circumstance (i. the date the creditor received information sufficient to establish that one of the reasons for revision provided under § XXX(e)(XXX)(iv)(A) through (F) has occurred); Exception remains. PCCD dated XX/XX/XXXX and copy of refund check for XXX for the appraisal Fee tolerance violation provided. Additional XXX tolerance violation is present due to the addition of the Appraisal Review Fee for XXX on the initial CD dated XX/XX/XXXX without a valid COC. XXX lender tolerance cure on the final CD along with the PCCD was for the violation of the Credit Report Fee. Please provide a new PCCD with the additional XXX cure along with the copy of check and proof of delivery. ; Audit reviewed the lenders response. Please provide a copy of the refund check in the amount of XXX and evidence of delivery to the borrower. Please note the LOE provided States clerical corrections made. And the refund on the CD is for $XXX. Condition retained.
04/02/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job.
D
A
C
A
D
A
A
A
D
A
D
D
A
D
D
D
A
D
D
D
A
D
D
D
A
D
D
D
A
D
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052756
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/06/2026
Resolved
FCRE5774
Credit
Borrower 1 Credit Report is Incomplete
Borrower 1 Credit Report is Partially Present. The mortgage Statement for the property at XXX XXXates taxes and/or XXX are escrowed, however it does not indicate if both taxes and XXX are escrowed. Please provide taxes and XXX documentation or verification that taxes and XXX are escrowed.
Please see attached Tax and HOI documents for XXX XXX
03/27/2026
Lender provided taxes and XXX documentation as verification that taxes and XXX are escrowed. Condition cleared.
03/30/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job.
D
A
C
A
D
A
A
A
D
A
D
D
A
D
D
D
A
D
D
D
A
D
D
D
A
D
D
D
A
D
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052756
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/06/2026
Resolved
finding-3532
Compliance
Initial Closing Disclosure Delivery Date Test
This loan failed the initial closing disclosure delivery date test due to one of the following findings:(12 CFR §1026.19(f)(1)(ii) he initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"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 §1026.19(f)(1)(i) no later than three business days before consummation. Documentation required to clear exception: The initial CD is missing from the loan file. The earliest CD in the loan file was issued on XX/XX/XXXX and signed at consummation. The violation can be cured by providing the initial CD as well as evidence showing that is was received by the consumer XXX business days prior to consummation on XXX/XXX/XXX.
Initial CD
03/11/2026
Lender provided the initital CD. Condition cleared. ; Lender provided the initital CD. Condition cleared.
03/12/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job.
D
A
C
A
D
A
A
A
D
A
D
D
A
D
D
D
A
D
D
D
A
D
D
D
A
D
D
D
A
D
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052756
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/06/2026
Resolved
FCOM9186
Compliance
eSigned Documents Consent is Missing
The eSigned consent disclosure is missing. Documentation required. 1st e-signed document in the file is dated XXX/XXX/XXX, however missing proof of e-consent dated XX/XX/XXXX or before.
eConsent
03/11/2026
Evidence of eConsent is provided. The eSigned documents consent is missing.; Evidence of eConsent is provided. Condition cleared.; Evidence of eConsent is provided. The eSigned documents consent is missing.; Evidence of eConsent is provided. Condition cleared.; Material
03/12/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job.
D
A
B
A
D
A
A
A
D
A
D
D
A
D
D
D
A
D
D
D
A
D
D
D
A
D
D
D
A
D
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052756
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/06/2026
Resolved
FCOM1621
Compliance
Missing Initial Escrow Disclosure
Initial Escrow Account Disclosure is Missing Document Required : Initial Escrow Account Disclosure is Missing
Escrow Account Disclosure
03/11/2026
Initial Escrow Account Disclosure is Resolved; Initial Escrow Account Disclosure is Missing; Material
03/12/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job.
D
A
B
A
D
A
A
A
D
A
D
D
A
D
D
D
A
D
D
D
A
D
D
D
A
D
D
D
A
D
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052756
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/06/2026
Resolved
FCOM1262
Compliance
Right of Rescission is Missing
Right of Rescission is Missing Documentation required to clear exception: Provide executed Right of Rescission for all borrowers and non-borrowers.
Notice of Right to Cancel
03/11/2026
Right of Rescission is Provided; Right of Rescission is Missing
03/12/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job.
D
A
D
A
D
A
A
A
D
A
D
D
A
D
D
D
A
D
D
D
A
D
D
D
A
D
D
D
A
D
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052756
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/12/2026
Resolved
FCOM1265
Compliance
Non-Borrower Title Holder Did Not Receive Right of Rescission Form
Non-Borrower Title Holder Did Not Receive Right of Rescission Form
    
Non-Borrower Title Holder Received Right of Rescission Form
03/12/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job.
D
A
C
A
D
A
A
A
D
A
D
D
A
D
D
D
A
D
D
D
A
D
D
D
A
D
D
D
A
D
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052756
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/06/2026
Resolved
FCOM1232
Credit
The Final 1003 is Missing
The Final 1003 is Missing Missing Final 1003.
Final Signed 1003
03/11/2026
The Final 1003 is Present
03/12/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job.
D
A
D
A
D
A
A
A
D
A
D
D
A
D
D
D
A
D
D
D
A
D
D
D
A
D
D
D
A
D
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052756
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/05/2026
Resolved
FCOM3075
Credit
Missing US Patriot Act Disclosure or ID
Missing US Patriot Act Disclosure or ID. Missing US Patriot Act Disclosure or ID for both borrowers.
Patriot Act Disclosure and Form
03/11/2026
US Patriot Act Disclosure or ID provided. Condition cleared.; Material
03/12/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job.
D
A
B
A
D
A
A
A
D
A
D
D
A
D
D
D
A
D
D
D
A
D
D
D
A
D
D
D
A
D
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052756
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/05/2026
Resolved
FCRE3606
Credit
HMDA Data Tape Not Provided
Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply.
    
HMDA Data Tape Provided.; ; HMDA received - no level XXX discrepancies - condition cleared
03/12/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job.
D
A
C
A
D
A
A
A
D
A
D
D
A
D
D
D
A
D
D
D
A
D
D
D
A
D
D
D
A
D
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052700
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/06/2026
Resolved
FCRE3606
Credit
HMDA Data Tape Not Provided
Loan is pending HMDA data review. Additional conditions may apply.
    
HMDA received - no level XXX discrepancies - condition cleared; HMDA Data Tape Provided.
03/11/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job.
C
A
C
A
C
A
A
A
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052733
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/09/2026
Resolved
FCRE3606
Credit
HMDA Data Tape Not Provided
Loan is pending HMDA data review. Additional conditions may apply.
    
HMDA received - no level XXX discrepancies - condition cleared; HMDA Data Tape Provided.
03/11/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
C
A
C
A
C
A
A
A
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052688
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/03/2026
Resolved
FCRE5774
Credit
Borrower 1 Credit Report is Incomplete
Borrower 1 Credit Report is Partially Present. Open HELOC with XXX with XXX balance is not showing what property it is connected to or closure of that line. Lender to provide proper documentation. Also need credit supp since last reported in December but loan didn't close until end of February. Need to confirm still XXX balance with no payment. Additional conditions may apply.
see uploaded; Property Profile
03/10/2026
Lender provided property report and credit report supports DLA for XXX is XXX/XXX; condition cleared.
03/11/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 60.98% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 60.98% is less than Guideline LTV of 80%
D
A
C
A
D
A
A
A
B
A
D
D
A
B
D
D
A
B
D
D
A
B
D
D
A
B
D
D
A
B
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052688
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/03/2026
Resolved
FCRE3606
Credit
HMDA Data Tape Not Provided
Loan is pending HMDA data review. Additional conditions may apply.
    
HMDA received - no level XXX discrepancies - condition cleared; HMDA Data Tape Provided.
03/09/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 60.98% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 60.98% is less than Guideline LTV of 80%
D
A
C
A
D
A
A
A
B
A
D
D
A
B
D
D
A
B
D
D
A
B
D
D
A
B
D
D
A
B
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052688
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/04/2026
Resolved
FCOM9186
Compliance
eSigned Documents Consent is Missing
The eSigned consent disclosure is missing. Documentation required. 1st e-signed document in the file is dated XXX/XXX/XXX, however missing proof of e-consent dated XX/XX/XXXX or before.
audit trail
03/06/2026
Evidence of eConsent is provided.
03/09/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 60.98% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 60.98% is less than Guideline LTV of 80%
D
A
B
A
D
A
A
A
B
A
D
D
A
B
D
D
A
B
D
D
A
B
D
D
A
B
D
D
A
B
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052688
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/03/2026
Resolved
FCRE7497
Credit
Missing verification of taxes, XXX, and/or HOA fees for non-subject property
Missing proof property at XXX XXX is is Free and clear and proof of taxes and XXX. Additional conditions may apply.
HOI LOX, taxes, & property profile
03/06/2026
Lender provided evidence the property at XXX XXX is owned Free and clear, along with evidence taxes and XXX. Condition cleared.
03/09/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 60.98% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 60.98% is less than Guideline LTV of 80%
D
A
D
A
D
A
A
A
B
A
D
D
A
B
D
D
A
B
D
D
A
B
D
D
A
B
D
D
A
B
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052677
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/05/2026
Resolved
FCOM3849
Compliance
Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR  1002.14(a)(1))
The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). Documentation required to clear exception: The document provided indicates that the borrower either received, or chose to waive the right to receive the appraisal at least XXX days prior to consummation, but does not confirm the borrower received the appraisal at or prior to consummation.  Provide documentation to show the date the borrower received the appraisal to confirm it was received by the borrower timely.
receipt
03/10/2026
Lender provided POD; condition cleared.
03/11/2026
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
C
A
B
A
C
A
A
A
B
A
C
C
A
B
C
C
A
B
C
C
A
B
C
C
A
B
C
C
A
B
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052677
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/04/2026
Resolved
FCRE3606
Credit
HMDA Data Tape Not Provided
Loan is pending HMDA data review. Additional conditions may apply.
    
HMDA received - no level XXX discrepancies - condition cleared; HMDA Data Tape Provided.
03/09/2026
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
C
A
C
A
C
A
A
A
B
A
C
C
A
B
C
C
A
B
C
C
A
B
C
C
A
B
C
C
A
B
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052848
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/23/2026
Resolved
FCRE1347
Credit
Borrower 2 3rd Party VOE Prior to Close Missing
Borrower 2 3rd Party VOE Prior to Close Missing. Missing VVOE within XXX days of closing for B2.
VOE
05/05/2026
Documentation is sufficient. VOE provided. Exception resolved.; Borrower 2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals XXX).
05/06/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job.
D
A
D
A
D
A
A
A
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052848
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/23/2026
Resolved
FCRE1316
Credit
Borrower 1 3rd Party VOE Prior to Close Missing
Borrower 1 3rd Party VOE Prior to Close Missing. Missing VVOE within XXX days of closing for B1.
VOE
05/05/2026
Documentation is sufficient. VOE provided. Exception resolved.; Borrower 1 3rd Party VOE Prior to Close Was Provided.
05/06/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job.
D
A
D
A
D
A
A
A
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052848
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/23/2026
Resolved
FCRE3606
Credit
HMDA Data Tape Not Provided
Loan is pending HMDA data review. Additional conditions may apply.
    
HMDA review completed, no Level XXX findings noted, condition cleared. ; HMDA Data Tape Provided.
04/29/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job.
D
A
C
A
D
A
A
A
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052746
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/04/2026
Resolved
FCRE3606
Credit
HMDA Data Tape Not Provided
Loan is pending HMDA data review. Additional conditions may apply.
    
HMDA received - no level XXX discrepancies - condition cleared; HMDA Data Tape Provided.
03/09/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
C
A
C
A
C
A
A
A
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052732
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/03/2026
Resolved
FCRE3606
Credit
HMDA Data Tape Not Provided
Loan is pending HMDA data review. Additional conditions may apply.
    
HMDA received - no level XXX discrepancies - condition cleared; HMDA Data Tape Provided.
03/09/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
C
A
C
A
C
A
A
A
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052810
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/06/2026
Resolved
FCRE1491
Credit
Asset Qualification Does Not Meet Guideline Requirements
Asset Qualification Does Not Meet Guideline Requirements. Lender to provide satisfactory explanation of large deposits and backup documentation for the following large deposits: XXX account ending in XXX: XX/XX/XXXX $XXX.
The large deposit was documented to be from a relocation company because the borrower is moving from XXX. We no the source and that it is not a loan. This condition should be cleared.
04/08/2026
Upon further review, the borrower is moving from XXX. His new employer offered him a relocation package as part of his benefits. The XXX XXX bank Statement shows a direct deposit from Cartus. Cartus is a well-known national relocation company. Lender provided a copy of the bank Statement showing the large deposit, and the paperwork from Cartus. Condition cleared. ; Asset Qualification Meets Guideline Requirements.
04/09/2026
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
C
A
C
A
C
A
A
A
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052810
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/06/2026
Resolved
FCRE3606
Credit
HMDA Data Tape Not Provided
Loan is pending HMDA data review. Additional conditions may apply.
    
HMDA received - no level XXX discrepancies - condition cleared ; HMDA Data Tape Provided.
04/08/2026
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
C
A
C
A
C
A
A
A
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052778
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/09/2026
Resolved
FCRE7497
Credit
Missing verification of taxes, XXX, and/or HOA fees for non-subject property
Missing proof of HOA or letter from borrower stating no HOA for the 2nd property at XXX XXX. Additional conditions may apply.
HOA
04/15/2026
Appears to be XXX properties the borrower owns. XXX XXX P5, and XXX XXX XXX The alphanumeric unit designation (P5), which often indicates an internal or parking-adjacent style unit numbering used by the HOA or developer Lender provided the HOA on XXX XXX P5 which was in the file. Condition cleared.
04/16/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job.
D
A
D
A
D
A
A
A
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052778
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/09/2026
Resolved
FCRE3606
Credit
HMDA Data Tape Not Provided
Loan is pending HMDA data review. Additional conditions may apply.
    
HMDA received - no level XXX discrepancies - condition cleared ; HMDA Data Tape Provided.
04/13/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job.
D
A
C
A
D
A
A
A
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052883
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
02/27/2026
Resolved
FCRE3606
Credit
HMDA Data Tape Not Provided
Loan is pending HMDA data review. Additional conditions may apply.
XXX to clear this condition.; XXX to clear this condition.
03/03/2026
HMDA review completed, no Level XXX findings noted, condition cleared.; DD firm to complete. Nothing required at this time.
03/06/2026
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job.
C
A
C
A
C
A
A
A
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052788
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/20/2026
Resolved
FCRE3606
Credit
HMDA Data Tape Not Provided
Loan is pending HMDA data review. Additional conditions may apply.
    
HMDA review completed, no Level XXX findings noted, condition cleared. ; HMDA Data Tape Provided.
04/22/2026
Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 63.41% is less than Guideline LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 63.41% is less than Guideline CLTV of 80% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
C
A
C
A
C
A
A
A
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052866
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/01/2026
Resolved
FCRE1437
Credit
Income and Employment Do Not Meet Guidelines
Income and Employment Do Not Meet Guidelines Missing XXX W2 for Borrower 1. Note: The W2s in file are blank. Please provide XXX W2 for Borrower 1.
W2
05/06/2026
Documentation provided is sufficient. Exception resolved.; Income and Employment Meet Guidelines
05/07/2026
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job.
C
A
C
A
C
A
A
A
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052866
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/01/2026
Resolved
FCRE3606
Credit
HMDA Data Tape Not Provided
Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply.
    
HMDA received - no level XXX discrepancies - condition cleared ; HMDA Data Tape Provided.
05/04/2026
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job.
C
A
C
A
C
A
A
A
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052780
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/10/2026
Resolved
FCRE1148
Credit
Title Coverage is Less than Subject Lien
Title Coverage Amount of XXX is Less than Total Amount of Subject Lien XXX Title Coverage Amount of XXX is Less than Total Amount of Subject Lien XXX
title; LOX HOI
03/16/2026
Title Coverage Amount of XXX is equal to or greater than Total Amount of Subject Lien $XXX; Provide a revised title commitment showing a coverage amount of XXX which is needed to fully cover the total subject lien amount; attached document is not supported.; Material
03/18/2026
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 67.82% is less than Guideline CLTV of 80% Calculated CLTV of 67.82% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 67.82% is less than Guideline LTV of 80% Calculated LTV of 67.82% is less than Guideline LTV of 80%
C
A
B
A
C
A
A
A
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052780
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/10/2026
Resolved
FCRE3606
Credit
HMDA Data Tape Not Provided
Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply.
    
HMDA received - no level XXX discrepancies - condition cleared; HMDA Data Tape Provided.
03/11/2026
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 67.82% is less than Guideline CLTV of 80% Calculated CLTV of 67.82% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 67.82% is less than Guideline LTV of 80% Calculated LTV of 67.82% is less than Guideline LTV of 80%
C
A
C
A
C
A
A
A
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052777
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/18/2026
Resolved
FCRE3606
Credit
HMDA Data Tape Not Provided
Loan is pending HMDA data review. Additional conditions may apply.
    
HMDA received - no level XXX discrepancies - condition cleared; HMDA Data Tape Provided.
03/23/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
C
A
C
A
C
A
A
A
B
A
C
C
A
B
C
C
A
B
C
C
A
B
C
C
A
B
C
C
A
B
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052777
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/18/2026
Resolved
FCOM9186
Compliance
eSigned Documents Consent is Missing
The eSigned consent disclosure is missing. Documentation required. 1st e-signed document in the file is dated XXX/XXX/XXX, however missing proof of e-consent dated XX/XX/XXXX or before.
uploaded proof of eConsent Acknowledgement from both borrowers on page XXX and XXX in the last columns and both highlighted.
03/23/2026
Evidence of eConsent is provided.
03/23/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
C
A
B
A
C
A
A
A
B
A
C
C
A
B
C
C
A
B
C
C
A
B
C
C
A
B
C
C
A
B
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052808
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/14/2026
Resolved
FVAL9739
Property
Property/Appraisal General
Property/Appraisal guideline violation: Missing CDA report as required by XXX overlays.
CDA
04/27/2026
Third party valuation provided within tolerance. Condition cleared. ; Property/Appraisal Meets Guidelines
04/28/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
C
A
C
A
C
A
C
A
A
A
C
C
C
A
C
C
C
A
C
C
C
A
C
C
C
A
C
C
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052808
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/14/2026
Resolved
FCRE3606
Credit
HMDA Data Tape Not Provided
Loan is pending HMDA data review. Additional conditions may apply.
    
HMDA received - no level XXX discrepancies - condition cleared ; HMDA Data Tape Provided.
04/20/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
C
A
C
A
C
A
C
A
A
A
C
C
C
A
C
C
C
A
C
C
C
A
C
C
C
A
C
C
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052852
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/24/2026
Resolved
FCRE3606
Credit
HMDA Data Tape Not Provided
Loan is pending HMDA data review. Additional conditions may apply.
    
HMDA received - no level XXX discrepancies - condition cleared; HMDA Data Tape Provided.
04/29/2026
Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
C
A
C
A
C
A
A
A
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052790
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/27/2026
Resolved
FCRE3606
Credit
HMDA Data Tape Not Provided
Loan is pending HMDA data review. Additional conditions may apply.
    
HMDA Data Tape Provided.; ; HMDA received - no level XXX discrepancies - condition cleared; HMDA Data Tape Provided.
04/15/2026
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
C
A
C
A
C
A
A
A
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052809
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/22/2026
Resolved
FCRE3606
Credit
HMDA Data Tape Not Provided
Loan is pending HMDA data review. Additional conditions may apply.
    
HMDA review completed, no Level XXX findings noted, condition cleared. ; HMDA Data Tape Provided.
04/27/2026
Original CLTV is Below the Guideline Maximum - Calculated CLTV of 45.5% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 45.5% is less than Guideline LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job.
C
A
C
A
C
A
A
A
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052794
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/25/2026
Resolved
finding-3634
Compliance
Charges That Cannot Increase Test
TILA 130b Cure Required. Refund in the amount of XXX cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of XXX is due to the addition of the appraisal review fee. The COC in file did not indicate a reason for addition of the appraisal review This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination XXXing to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i).
coc; coc CD
03/30/2026
Valid COC provided; exception resolved; Valid COC provided; exception resolved; The COC provided did not contain a valid reason for the fees to increase: To comply with the COC requirements and rebaseline fee amounts, TPRs will look to the COC documentation in file to include the components enumerated within the regulations as set forth in the preceding paragraph. The COC documentation, at a minimum, should include: XXX) The original estimate of the cost (can be documented through fee amounts disclosed on the initial LE); XXX) specific reason for the revision and how it impacted the specific fee(s) that increased; XXX) the revised amount (can be documented through fee amounts disclosed on the revised LE/CD but increase must correspond with actual change resulting from documented COC and only fees related to the specific COC are considered for rebaseline); and XXX) the date of the changed circumstance (i. the date the creditor received information sufficient to establish that one of the reasons for revision provided under § XXX(e)(XXX)(iv)(A) through (F) has occurred)
03/31/2026
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
C
A
C
A
C
A
A
A
C
A
C
C
A
C
C
C
A
C
C
C
A
C
C
C
A
C
C
C
A
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052794
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/24/2026
Resolved
FCRE3606
Credit
HMDA Data Tape Not Provided
Loan is pending HMDA data review. Additional conditions may apply.
    
HMDA received - no level XXX discrepancies - condition cleared; HMDA Data Tape Provided.
03/30/2026
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
C
A
C
A
C
A
A
A
C
A
C
C
A
C
C
C
A
C
C
C
A
C
C
C
A
C
C
C
A
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052800
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/18/2026
Resolved
FCRE3606
Credit
HMDA Data Tape Not Provided
Loan is pending HMDA data review. Additional conditions may apply.
    
HMDA received - no level XXX discrepancies - condition cleared; HMDA Data Tape Provided.
03/23/2026
Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 49.77% is less than Guideline LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 49.77% is less than Guideline CLTV of 80%
C
A
C
A
C
A
A
A
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052782
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/12/2026
Resolved
FCOM9186
Compliance
eSigned Documents Consent is Missing
The eSigned consent disclosure is missing. Documentation required. 1st e-signed document in the file is dated XXX/XXX/XXX, however missing proof of e-consent dated XX/XX/XXXX or before.
uploaded Proof of eConsent Acknowledgement. see page XXX last column, highlighted.
03/16/2026
Evidence of eConsent is provided.
03/18/2026
Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
C
A
B
A
C
A
A
A
B
A
C
C
A
B
C
C
A
B
C
C
A
B
C
C
A
B
C
C
A
B
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052782
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/12/2026
Resolved
FCRE3606
Credit
HMDA Data Tape Not Provided
Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply.
    
HMDA received - no level XXX discrepancies - condition cleared ; HMDA Data Tape Provided.
03/16/2026
Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
C
A
C
A
C
A
A
A
B
A
C
C
A
B
C
C
A
B
C
C
A
B
C
C
A
B
C
C
A
B
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052803
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/02/2026
Resolved
FCRE3606
Credit
HMDA Data Tape Not Provided
Loan is pending HMDA data review. Additional conditions may apply.
    
HMDA received - no level XXX discrepancies - condition cleared ; HMDA Data Tape Provided.
04/08/2026
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
C
A
C
A
C
A
A
A
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052801
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/30/2026
Resolved
FVAL9739
Property
Property/Appraisal General
Property/Appraisal guideline violation: Missing CDA. Please provide CDA.
CDA
04/06/2026
Third party valuation provided with tolerance. Condition cleared.
04/07/2026
Original LTV is Below the Guideline Maximum - Calculated LTV of 61.54% is less than Guideline LTV of 75% Calculated LTV of 61.54% is less than Guideline LTV of 75% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 61.54% is less than Guideline CLTV of 75% Calculated CLTV of 61.54% is less than Guideline CLTV of 75% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job.
C
A
C
A
C
A
C
A
A
A
C
C
C
A
C
C
C
A
C
C
C
A
C
C
C
A
C
C
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052801
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/30/2026
Resolved
FCRE3606
Credit
HMDA Data Tape Not Provided
Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply.
    
HMDA received - no level XXX discrepancies - condition cleared; HMDA Data Tape Provided.
04/01/2026
Original LTV is Below the Guideline Maximum - Calculated LTV of 61.54% is less than Guideline LTV of 75% Calculated LTV of 61.54% is less than Guideline LTV of 75% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 61.54% is less than Guideline CLTV of 75% Calculated CLTV of 61.54% is less than Guideline CLTV of 75% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job.
C
A
C
A
C
A
C
A
A
A
C
C
C
A
C
C
C
A
C
C
C
A
C
C
C
A
C
C
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052817
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/27/2026
Resolved
FCRE3606
Credit
HMDA Data Tape Not Provided
Loan is pending HMDA data review. Additional conditions may apply.
    
HMDA received - no level XXX discrepancies - condition cleared; HMDA Data Tape Provided.
04/29/2026
Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 80% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
C
A
C
A
C
A
A
A
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052811
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/02/2026
Resolved
FCRE3606
Credit
HMDA Data Tape Not Provided
Loan is pending HMDA data review. Additional conditions may apply.
    
HMDA received - no level XXX discrepancies - condition cleared ; HMDA Data Tape Provided.
04/08/2026
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
C
A
C
A
C
A
A
A
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052674
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/27/2026
Resolved
finding-3634
Compliance
Charges That Cannot Increase Test
This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination XXXing to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130 Cure Required. Refund in the amount of XXX cure package requires a PCCD, LOE, a Copy of Refund check, or Valid COC. The XXX% tolerance violation is due to the increased Appraisal Fee from XXX to XXX on the initial CD dated XXX/XXX/XXX. COC dated XX/XX/XXXX in file does not detail a valid reason for the Appraisal Fee increase. The second XXX% tolerance violation of XXX is due to the addition of the Trust XXX Opinion Letter Fee for XXX on the initial CD dated XX/XX/XXXX without a valid COC. Please provide valid COC's or cure package.
COC
04/02/2026
valid COC provided, exception resolved; valid COC provided, exception resolved
04/02/2026
Original CLTV is Below the Guideline Maximum - Calculated CLTV of 64.85% is less than Guideline CLTV of 80% Calculated CLTV of 64.85% is less than Guideline CLTV of 80% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 64.85% is less than Guideline LTV of 80% Calculated LTV of 64.85% is less than Guideline LTV of 80%
C
A
C
A
C
A
A
A
C
A
C
C
A
C
C
C
A
C
C
C
A
C
C
C
A
C
C
C
A
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052674
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/27/2026
Resolved
FCRE3606
Credit
HMDA Data Tape Not Provided
Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply.
    
HMDA received - no level XXX discrepancies - condition cleared; HMDA Data Tape Provided.
04/01/2026
Original CLTV is Below the Guideline Maximum - Calculated CLTV of 64.85% is less than Guideline CLTV of 80% Calculated CLTV of 64.85% is less than Guideline CLTV of 80% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 64.85% is less than Guideline LTV of 80% Calculated LTV of 64.85% is less than Guideline LTV of 80%
C
A
C
A
C
A
A
A
C
A
C
C
A
C
C
C
A
C
C
C
A
C
C
C
A
C
C
C
A
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052779
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/16/2026
Resolved
FCRE3606
Credit
HMDA Data Tape Not Provided
Loan is pending HMDA data review. Additional conditions may apply.
    
HMDA received - no level XXX discrepancies - condition cleared; HMDA Data Tape Provided.
03/18/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
C
A
C
A
C
A
A
A
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052822
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/17/2026
Resolved
FCRE3606
Credit
HMDA Data Tape Not Provided
Loan is pending HMDA data review. Additional conditions may apply.
    
HMDA review completed, no Level XXX findings noted, condition cleared. ; HMDA Data Tape Provided.
04/22/2026
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
C
A
C
A
C
A
A
A
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052764
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/23/2026
Resolved
FCOM3849
Compliance
Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR  1002.14(a)(1))
The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). Documentation required to clear exception: Evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date is required, but missing from the file. If borrower waived the XXX day timing requirement, provide an executed appraisal waiver and evidence the appraisal was received the day of close.
Appraisal Delivery Confirmation
03/25/2026
Appraisal delivery provided, exception resolved; Evidence of appraisal delivery provided.; Material
03/26/2026
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
C
A
B
A
C
A
A
A
B
A
C
C
A
B
C
C
A
B
C
C
A
B
C
C
A
B
C
C
A
B
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052764
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/20/2026
Resolved
FCRE3606
Credit
HMDA Data Tape Not Provided
Loan is pending HMDA data review. Additional conditions may apply.
    
HMDA received - no level XXX discrepancies - condition cleared; HMDA Data Tape Provided.
03/26/2026
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
C
A
C
A
C
A
A
A
B
A
C
C
A
B
C
C
A
B
C
C
A
B
C
C
A
B
C
C
A
B
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052667
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/07/2026
Resolved
FVAL9739
Property
Property/Appraisal General
Property/Appraisal guideline violation: Property was appraised as suburban with the exception of comp #XXX which is distant at XXX miles away, comps XXX and XXX are from XXX miles to XXX miles away with excessive adjustments from XXX%-XXX%. Visually condition of the property would fit under a C5 or C6. Rated a C4 which is "minor" deferred maintenance.
What are you looking for the appraiser to do exactly for this condition?
04/10/2026
XXX accepts appraisal as is, and has noted appraiser's rationale for comps used. Condition cleared.; Property/Appraisal guideline violation:
04/23/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job.
D
A
C
A
D
A
C
A
A
A
D
D
C
A
D
D
C
A
D
D
C
A
D
D
C
A
D
D
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052667
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/07/2026
Resolved
FCRE7497
Credit
Missing verification of taxes, XXX, and/or HOA fees for non-subject property
Missing proof of taxes and XXX on the property at XXX XXX as history provided doesn't break out taxes and XXX. Additional conditions may apply.
Taxes is incl - HOI pol attached
04/10/2026
Lender provided evidence of the PITI for the property located at XXX XXX. Condition cleared.
04/13/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job.
D
A
D
A
D
A
C
A
A
A
D
D
C
A
D
D
C
A
D
D
C
A
D
D
C
A
D
D
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052667
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/07/2026
Resolved
FCRE4963
Credit
No evidence of required debt payoff
Missing the current loan payoff.
payoff
04/10/2026
Lender provided the payoff Statements for the XXX/XXX XXX mortgage in the amount of $XXX. Condition cleared.
04/13/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job.
D
A
C
A
D
A
C
A
A
A
D
D
C
A
D
D
C
A
D
D
C
A
D
D
C
A
D
D
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052667
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/07/2026
Resolved
FCRE9488
Credit
Potential Occupancy/Current Address Issues identified in the file
The intent and/or status of the borrower's occupancy is not supported in the file. Property was appraised as vacant and visually from photos is vacant. Letter from borrower States moving in May XXX which is XXX mos after closing. This loan is for an owner occupied property.
Borrowers have XXX days to occupy after closing.
04/10/2026
Lender provided the signed occupancy affidavit which States the Borrowers have XXX days to occupy after closing. Condition cleared. ; Intent of borrower's occupancy supported
04/13/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job.
D
A
C
A
D
A
C
A
A
A
D
D
C
A
D
D
C
A
D
D
C
A
D
D
C
A
D
D
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052667
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/06/2026
Resolved
FCRE3606
Credit
HMDA Data Tape Not Provided
Loan is pending HMDA data review. Additional conditions may apply.
    
HMDA received - no level XXX discrepancies - condition cleared ; HMDA Data Tape Provided.
04/08/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job.
D
A
C
A
D
A
C
A
A
A
D
D
C
A
D
D
C
A
D
D
C
A
D
D
C
A
D
D
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052845
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/20/2026
Rescinded
FCOM3075
Credit
Missing US Patriot Act Disclosure or ID
Missing US Patriot Act Disclosure or ID. Missing US Patriot Act Disclosure or ID for Borrower 2.
See attached US Patriot Act Disclosure
04/24/2026
Upon further review, Power of XXX was used for B2. Condition rescinded. ; The form provided does not verify what document was used to verify borrowers ID. Condition retained ; Material
04/29/2026
  
C
A
A
A
C
A
A
A
B
A
C
C
A
B
C
C
A
B
C
C
A
B
C
C
A
B
C
C
A
B
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052845
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/20/2026
Resolved
FCRE3606
Credit
HMDA Data Tape Not Provided
Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply.
    
HMDA Data Tape Provided.; HMDA review completed, no Level XXX findings noted, condition cleared.
04/29/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Calculated DTI of XXX% is less than Guideline DTI of XXX%
C
A
C
A
C
A
A
A
B
A
C
C
A
B
C
C
A
B
C
C
A
B
C
C
A
B
C
C
A
B
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052845
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/20/2026
Resolved
FCOM9186
Compliance
eSigned Documents Consent is Missing
The eSigned consent disclosure is missing. Documentation required. 1st e-signed document in the file is dated XXX/XXX/XXX, however missing proof of e-consent dated XX/XX/XXXX or before.
e-Signature Consent
04/24/2026
Evidence of eConsent is provided.; Material
04/26/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Calculated DTI of XXX% is less than Guideline DTI of XXX%
C
A
B
A
C
A
A
A
B
A
C
C
A
B
C
C
A
B
C
C
A
B
C
C
A
B
C
C
A
B
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052692
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/01/2026
Resolved
FCOM9186
Compliance
eSigned Documents Consent is Missing
The eSigned consent disclosure is missing. Documentation required. 1st e-signed document in the file is dated XXX/XXX/XXX, however missing proof of e-consent dated XX/XX/XXXX or before.
uploaded proof of e-Consent acknowledgement
05/04/2026
Evidence of eConsent is provided.
05/04/2026
Original LTV is Below the Guideline Maximum - Calculated LTV of 45.61% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 45.61% is less than Guideline CLTV of 80% | Borrower has stable job time - Borrower has XXX years on job.
C
A
B
A
C
A
A
A
B
A
C
C
A
B
C
C
A
B
C
C
A
B
C
C
A
B
C
C
A
B
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052692
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/30/2026
Resolved
FCRE3606
Credit
HMDA Data Tape Not Provided
Loan is pending HMDA data review. Additional conditions may apply.
    
HMDA received - no level XXX discrepancies - condition cleared ; HMDA Data Tape Provided.
05/04/2026
Original LTV is Below the Guideline Maximum - Calculated LTV of 45.61% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 45.61% is less than Guideline CLTV of 80% | Borrower has stable job time - Borrower has XXX years on job.
C
A
C
A
C
A
A
A
B
A
C
C
A
B
C
C
A
B
C
C
A
B
C
C
A
B
C
C
A
B
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052819
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/14/2026
Resolved
FCOM9186
Compliance
eSigned Documents Consent is Missing
The eSigned consent disclosure is missing. Documentation required. 1st e-signed document in the file is dated XXX/XXX/XXX, however missing proof of e-consent dated XX/XX/XXXX or before.
uploaded proof of eConsent Acknowledgement
04/22/2026
Evidence of eConsent is provided.; Material
04/23/2026
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
C
A
B
A
C
A
A
A
B
A
C
C
A
B
C
C
A
B
C
C
A
B
C
C
A
B
C
C
A
B
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052819
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/14/2026
Resolved
FCRE3606
Credit
HMDA Data Tape Not Provided
Loan is pending HMDA data review. Additional conditions may apply.
    
HMDA received - no level XXX discrepancies - condition cleared ; HMDA Data Tape Provided.
04/15/2026
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
C
A
C
A
C
A
A
A
B
A
C
C
A
B
C
C
A
B
C
C
A
B
C
C
A
B
C
C
A
B
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052844
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/01/2026
Resolved
FCRE3606
Credit
HMDA Data Tape Not Provided
Loan is pending HMDA data review. Additional conditions may apply.
    
HMDA received - no level XXX discrepancies - condition cleared; HMDA Data Tape Provided.
05/06/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job.
C
A
C
A
C
A
A
A
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052836
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/30/2026
Resolved
FCRE3606
Credit
HMDA Data Tape Not Provided
Loan is pending HMDA data review. Additional conditions may apply.
    
HMDA received - no level XXX discrepancies - condition cleared; HMDA Data Tape Provided.
05/06/2026
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
C
A
C
A
C
A
A
A
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052842
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/29/2026
Resolved
FCRE3606
Credit
HMDA Data Tape Not Provided
Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply.
    
HMDA received - no level XXX discrepancies - condition cleared ; HMDA Data Tape Provided.
05/04/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 62.96% is less than Guideline CLTV of 80% Calculated CLTV of 62.96% is less than Guideline CLTV of 80% | Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 62.96% is less than Guideline LTV of 80% Calculated LTV of 62.96% is less than Guideline LTV of 80%
C
A
C
A
C
A
A
A
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052812
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/10/2026
Resolved
FCRE1186
Credit
Audited DTI Exceeds AUS DTI
Audited DTI of XXX% exceeds AUS DTI of XXX% The net rental income of XXX for the property at XXX XXX was corrected to XXX due to the taxes and XXX was not included in the PITI. Per mortgage Statement in file, taxes and XXX are not escrowed. A Resubmission is required, due to the DTI increased from XXX% to XXX%.
Please see attached MEMO, Sch E Calculation, HOI, Taxes, Mortgage Statement, XXX and AUS/LPA
04/21/2026
Lender provided a revised XXX and AUS/LPA. DTI within tolerance. Condition cleared. ; Audited DTI of XXX% is less than or equal to AUS DTI of XXX%
04/22/2026
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
C
A
C
A
C
A
A
A
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052812
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/10/2026
Resolved
FCRE3606
Credit
HMDA Data Tape Not Provided
Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply.
    
HMDA received - no level XXX discrepancies - condition cleared ; HMDA Data Tape Provided.
04/15/2026
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
C
A
C
A
C
A
A
A
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052815
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/17/2026
Resolved
FVAL9739
Property
Property/Appraisal General
Property/Appraisal guideline violation: Missing CDA report as required by XXX overlays. Additional conditions may apply.
Uploaded CDA
04/27/2026
Third party valuation provided within tolerance. Condition cleared. ; Property/Appraisal Meets Guidelines
04/28/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
C
A
C
A
C
A
C
A
A
A
C
C
C
A
C
C
C
A
C
C
C
A
C
C
C
A
C
C
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052815
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/17/2026
Resolved
FCRE3606
Credit
HMDA Data Tape Not Provided
Loan is pending HMDA data review. Additional conditions may apply.
    
HMDA review completed, no Level XXX findings noted, condition cleared. ; HMDA Data Tape Provided.
04/22/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
C
A
C
A
C
A
C
A
A
A
C
C
C
A
C
C
C
A
C
C
C
A
C
C
C
A
C
C
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052670
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/10/2026
Resolved
FCRE3606
Credit
HMDA Data Tape Not Provided
Loan is pending HMDA data review. Additional conditions may apply.
    
HMDA received - no level XXX discrepancies - condition cleared ; HMDA Data Tape Provided.
04/15/2026
Original LTV is Below the Guideline Maximum - Calculated LTV of 49.16% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 49.16% is less than Guideline CLTV of 80% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job.
C
A
C
A
C
A
A
A
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052807
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/14/2026
Resolved
FCRE3606
Credit
HMDA Data Tape Not Provided
Loan is pending HMDA data review. Additional conditions may apply.
    
HMDA received - no level XXX discrepancies - condition cleared ; HMDA Data Tape Provided.
04/20/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
C
A
C
A
C
A
A
A
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052820
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/30/2026
Resolved
FCRE7497
Credit
Missing verification of taxes, XXX, and/or HOA fees for non-subject property
Missing proof of hazard XXX for the property at XXX XXX. Additional conditions may apply.
Uploaded HOI for XXX-XXX XXX along with B1 LOE regarding the address and also tax bill showing address as XXX-XXX XXX
05/07/2026
Lender provided HOI for XXX-XXX XXX along with B1 LOE regarding the address and also tax bill showing address as XXX-XXX XXX. Condition cleared.
05/08/2026
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 60% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 60% is less than Guideline LTV of 80%
D
A
D
A
D
A
A
A
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052820
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/04/2026
Rescinded
FCRE1491
Credit
Asset Qualification Does Not Meet Guideline Requirements
Asset Qualification Does Not Meet Guideline Requirements. Gift funds of XXX from XXX are not allowed per FNMA guidelines which States: Gift funds must come from a 3rd party.
Please clarify as the gift funds came from B2's parent, XXX. Wire of the XXX shows it came from the XXX of XXX.
05/07/2026
Upon further review, gift funds came from B2's parent, XXX. Wire of the XXX shows it came from the XXX of XXX. Signed Gift letter in file. There is no restriction prohibiting a co borrower from also being a gift donor for FNMA. Condition rescinded. ; Asset Qualification Meets Guideline Requirements.
05/08/2026
  
D
A
A
A
D
A
A
A
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052820
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/30/2026
Resolved
FCOM1233
Credit
The Final 1003 is Incomplete
The Final 1003 is Incomplete. Missing Final 1003 Page XXX of XXX
Uploaded Final 1003
05/07/2026
Lender provided the signed Final 1003. Condition cleared. ; The Final 1003 is Present
05/07/2026
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 60% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 60% is less than Guideline LTV of 80%
D
A
D
A
D
A
A
A
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052820
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/30/2026
Resolved
FCRE3606
Credit
HMDA Data Tape Not Provided
Loan is pending HMDA data review. Additional conditions may apply.
    
HMDA received - no level XXX discrepancies - condition cleared; HMDA Data Tape Provided.
05/06/2026
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 60% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 60% is less than Guideline LTV of 80%
D
A
C
A
D
A
A
A
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052838
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/09/2026
Resolved
FCRE3606
Credit
HMDA Data Tape Not Provided
Loan is pending HMDA data review. Additional conditions may apply.
    
HMDA received - no level XXX discrepancies - condition cleared; HMDA Data Tape Provided.
04/15/2026
Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 68.05% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 68.05% is less than Guideline LTV of 80%
C
A
C
A
C
A
A
A
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052832
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/01/2026
Resolved
FCOM9186
Compliance
eSigned Documents Consent is Missing
The eSigned consent disclosure is missing. Documentation required. 1st e-signed document in the file is dated XX/XX/XXXX however missing proof of e-consent dated XX/XX/XXXX or before.
Uploaded proof of e-Consent Acknowledgement.
05/05/2026
Evidence of eConsent is provided.
05/05/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job.
C
A
B
A
C
A
A
A
B
A
C
C
A
B
C
C
A
B
C
C
A
B
C
C
A
B
C
C
A
B
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052832
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/01/2026
Resolved
FCRE3606
Credit
HMDA Data Tape Not Provided
Loan is pending HMDA data review. Additional conditions may apply.
    
HMDA received - no level XXX discrepancies - condition cleared ; HMDA Data Tape Provided.
05/04/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job.
C
A
C
A
C
A
A
A
B
A
C
C
A
B
C
C
A
B
C
C
A
B
C
C
A
B
C
C
A
B
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052870
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/01/2026
Resolved
FCRE3606
Credit
HMDA Data Tape Not Provided
Loan is pending HMDA data review. Additional conditions may apply.
    
HMDA received - no level XXX discrepancies - condition cleared; HMDA Data Tape Provided.
05/06/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
C
A
C
A
C
A
A
A
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052653
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
12/04/2025
Resolved
FCRE1335
Credit
Borrower 1 IRS Transcripts Missing
Borrower 1 IRS Transcripts Missing
Document Uploaded. XXX-XXX Transcripts
01/22/2026
Borrower 1 IRS Transcripts Provided; Client provided IRS Transcripts for the Borrower for years XXX and XXX LM Updated.
01/23/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job.
D
A
D
A
D
A
A
A
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052653
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
11/26/2025
Resolved
FCRE1184
Credit
AUS Not Provided
Missing AUS Missing AUS
Document Uploaded.
12/04/2025
AUS is not missing; AUS submission XXX provided
12/04/2025
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job.
D
A
D
A
D
A
A
A
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052653
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
11/26/2025
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
HPML Compliant; Informational Only
12/01/2025
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job.
D
A
A
A
D
A
A
A
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052653
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
11/26/2025
Resolved
FCOM8997
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
HPML Compliant; Informational Only
12/01/2025
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job.
D
A
A
A
D
A
A
A
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052702
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
11/07/2025
Resolved
FCRE3606
Credit
HMDA Data Tape Not Provided
Loan is pending HMDA data review. Additional conditions may apply.
    
HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided.
11/13/2025
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 21.03% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 21.03% is less than Guideline LTV of 80%
C
A
C
A
C
A
A
A
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052767
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/11/2026
Resolved
FCRE3606
Credit
HMDA Data Tape Not Provided
Loan is pending HMDA data review. Additional conditions may apply.
    
HMDA received - no level XXX discrepancies - condition cleared; HMDA Data Tape Provided.
03/16/2026
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
C
A
C
A
C
A
A
A
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052703
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
12/10/2025
Resolved
FCRE3606
Credit
HMDA Data Tape Not Provided
Loan is pending HMDA data review. Additional conditions may apply.
    
HMDA tape provided, no discrepancies noted. Condition cleared.; HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided.
01/14/2026
Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 58.32% is less than Guideline LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 58.32% is less than Guideline CLTV of 80%
D
A
C
A
D
A
A
A
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052703
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
12/10/2025
Resolved
FCRE1201
Credit
Third Party Fraud Report not Provided
Missing Third Party Fraud Report. Please provide Missing Third Party Fraud Report
XX/XX/XXXX tm: This was provided with the initial upload.
12/11/2025
Lender provided Fraud report. Condition cleared.; Third Party Fraud Report is provided
12/12/2025
Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 58.32% is less than Guideline LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 58.32% is less than Guideline CLTV of 80%
D
A
D
A
D
A
A
A
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052724
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
12/01/2025
Resolved
finding-3634
Compliance
Charges That Cannot Increase Test
This loan failed the charges that cannot increase test because the application date is XXX/XXX/XXX, the initial LE in file is dated XXX/XXX/XXX, it appears the initial LE is missing from the file, compliance testing will be completed upon receipt of the initial LE. This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination XXXing to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i).
LI XX/XX/XXXX Disagree. The Lock sheet you have provided shows the Application date is XX/XX/XXXX however that is incorrect as this is the file import date and not the application date. The Loan application was signed on XX/XX/XXXX which is the same date as the Loan Estimate was signed. The Loan was imported on XX/XX/XXXX but not disclosed until XX/XX/XXXX due to not having all XXX pieces of information. The True application date is XX/XX/XXXX and not XXX/XXX. Please update your lock sheet with the correct application date | | ; LI XX/XX/XXXX Disagree. The Loan application was signed on XX/XX/XXXX which is the same date as the Loan Estimate was signed. The Loan was imported on XX/XX/XXXX but not disclosed until XX/XX/XXXX due to not having all XXX pieces of information.
12/22/2025
Condition resolved as we have received evidence of the application date form lender. ; Condition resolved as we have received evidence of the application date form lender. ; This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination XXXing to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i).; Audit reviewed Lender's response. The lock confirmation in file reflects an application date of XXX/XXX/XXX. Please provide verification of the application date by the Lender of XXX/XXX/XXX. Condition retained.; Audit reviewed Lender's response. The rate lock in file reflects an application date of XXX/XXX/XXX. Please provide verification of the application date by the Lender of XXX/XXX/XXX. Condition retained.
12/24/2025
  
C
A
C
A
C
A
A
A
C
A
C
C
A
C
C
C
A
C
C
C
A
C
C
C
A
C
C
C
A
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052724
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
12/01/2025
Resolved
finding-3635
Compliance
Charges That In Total Cannot Increase More Than XXX% Test
T his loan failed the charges that in total cannot increase more than XXX% test because the application date is XXX/XXX/XXX, the initial LE in file is dated XXX/XXX/XXX, it appears the initial LE is missing from the file, compliance testing will be completed upon receipt of the initial LE. This loan failed the charges that in total cannot increase more than XXX% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance XXXing to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than XXX% XXX exceed the comparable charges XXX by more than XXX% Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures n estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than XXX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi).
LI XX/XX/XXXX Disagree. The Lock sheet you have provided shows the Application date is XX/XX/XXXX however that is incorrect as this is the file import date and not the application date. The Loan application was signed on XX/XX/XXXX which is the same date as the Loan Estimate was signed. The Loan was imported on XX/XX/XXXX but not disclosed until XX/XX/XXXX due to not having all XXX pieces of information. The True application date is XX/XX/XXXX and not XXX/XXX. Please update your lock sheet with the correct application date; LI XX/XX/XXXX Disagree - All title fees are not subject to tolerance as the borrower choose a title service provider that was not on the SPL. TRID XX/XX/XXXX clarified in the Commentary to TILA XXX(e)(XXX)(ii) XXX that this is true even if a fee was omitted from the initial LE.
12/22/2025
Cleared as we have received evidence of application date. ; Cleared as we have received evidence of application date. ; Audit reviewed Lender's response. The lock confirmation in file reflects an application date of XXX/XXX/XXX. Please provide verification of the application date by the Lender of XXX/XXX/XXX. Condition retained.; Audit reviewed Lender's response. The lock confirmation in file reflects an application date of XXX/XXX/XXX. Please provide verification of the application date by the Lender of XXX/XXX/XXX. Condition retained.
12/24/2025
  
C
A
C
A
C
A
A
A
C
A
C
C
A
C
C
C
A
C
C
C
A
C
C
C
A
C
C
C
A
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052724
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
12/01/2025
Resolved
finding-3367
Compliance
RESPA Homeownership Counseling Organizations Disclosure Date Test
Documentation required to clear exception. Documentation required to confirm the disclosure was sent within the XXX days of application. The Homeownership Counseling Disclosure provided to the borrower on XX/XX/XXXX was not provided within XXX days of application date of XXX/XXX/XXX. This loan failed the homeownership counseling organizations disclosure date test due to the following findings: (12 CFR §1024.20(a) he loan has a homeownership counseling organizations disclosure date that is not within three business days of the loan Originator's application date (or the date creditor received application if loan Originator's application date is not provided); orThe homeownership counseling organizations disclosure date is after the closing date ot later than three business days after a lender, mortgage broker, or dealer receives an application, or information sufficient to complete an application, the lender must provide the loan applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. The list of homeownership counseling organizations distributed to each loan applicant under this section shall be obtained no earlier than XXX days prior to the time when the list is provided to the loan applicant from either:(XXX he website maintained by the Bureau for lenders to use in complying with the requirements of this section; or(XXX ata made available by the Bureau or HUD for lenders to use in complying with the requirements of this section, provided that the data is used in XXXance with instructions provided with the data his calculation take into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §XXX(b) and as it relates to §XXX (list of homeownership counseling organizations provided not later than XXX business days after a loan Originator receives an application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:As not being open on SundayAs not being open on SaturdayPLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, ComplianceAnalyzer calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict lease note: This test does not validate the content of any list of homeownership counseling organizations.
LI XX/XX/XXXX Disagree. The Lock sheet you have provided shows the Application date is XX/XX/XXXX however that is incorrect as this is the file import date and not the application date. The Loan application was signed on XX/XX/XXXX which is the same date as the Loan Estimate was signed. The Loan was imported on XX/XX/XXXX but not disclosed until XX/XX/XXXX due to not having all XXX pieces of information. The True application date is XX/XX/XXXX and not XXX/XXX. Please update your lock sheet with the correct application date; LI XX/XX/XXXX Disagree. The Loan application was signed on XX/XX/XXXX which is the same date as the Loan Estimate was signed. The Loan was imported on XX/XX/XXXX but not disclosed until XX/XX/XXXX due to not having all XXX pieces of information.
12/22/2025
Audit reviewed Lender's response. The lock confirmation in file reflects an application date of XXX/XXX/XXX. Please provide verification of the application date by the Lender of XXX/XXX/XXX. Condition retained.; Material; Material;
12/24/2025
  
C
A
B
A
C
A
A
A
C
A
C
C
A
C
C
C
A
C
C
C
A
C
C
C
A
C
C
C
A
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052724
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
12/01/2025
Resolved
finding-3515
Compliance
Initial Loan Estimate Delivery Date Test (from application)
The application date is XXX/XXX/XXX, the initial LE in file is dated XXX/XXX/XXX, it appears the initial LE is missing from the file, compliance testing will be completed upon receipt of the initial LE. This loan failed the initial loan estimate delivery date test (from application) due to one of the following: (12 CFR §1026.19(e)(1)(iii)(A) he initial loan estimate delivery date is later than the third business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions) after the creditor or broker receives the consumer's written application herefore, if additional disclosures are entered into ComplianceAnalyzer, any values that would change under a valid changed circumstance if the initial loan estimate had been delivered timely, will not reset the baseline for tolerance purposes. The comparable fees for this loan will be XXX regardless of the actual values on the disclosure his calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §XXX(a)(XXX) and as it relates to §1026.19(e)(1)(iii)(A) (initial loan estimate disclosure three business days after application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:As not being open on SundayAs not being open on SaturdayPLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, ComplianceAnalyzer calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict he creditor shall deliver or place in the mail the disclosures required under §1026.19(e)(1)(i) (provision of loan estimate form) not later than the third business day after the creditor receives the consumer's application.
LI XX/XX/XXXX Disagree. The Lock sheet you have provided shows the Application date is XX/XX/XXXX however that is incorrect as this is the file import date and not the application date. The Loan application was signed on XX/XX/XXXX which is the same date as the Loan Estimate was signed. The Loan was imported on XX/XX/XXXX but not disclosed until XX/XX/XXXX due to not having all XXX pieces of information. The True application date is XX/XX/XXXX and not XXX/XXX. Please update your lock sheet with the correct application date; LI XX/XX/XXXX Disagree. The Loan application was signed on XX/XX/XXXX which is the same date as the Loan Estimate was signed. The Loan was imported on XX/XX/XXXX but not disclosed until XX/XX/XXXX due to not having all XXX pieces of information.
12/22/2025
Condition cleared as we have received evidence of application date, XXX/XXX/XXX.; Condition cleared as we have received evidence of application date, XXX/XXX/XXX.; Audit reviewed Lender's response. The lock confirmation in file reflects an application date of XXX/XXX/XXX. Please provide verification of the application date by the Lender of XXX/XXX/XXX. Condition retained.; Audit reviewed Lender's response. The lock confirmation in file reflects an application date of XXX/XXX/XXX. Please provide verification of the application date by the Lender of XXX/XXX/XXX. Condition retained.
12/24/2025
  
C
A
C
A
C
A
A
A
C
A
C
C
A
C
C
C
A
C
C
C
A
C
C
C
A
C
C
C
A
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052724
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
12/02/2025
Resolved
FCRE3606
Credit
HMDA Data Tape Not Provided
Loan is pending HMDA data review. Additional conditions may apply.
    
HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided.
12/17/2025
  
C
A
C
A
C
A
A
A
C
A
C
C
A
C
C
C
A
C
C
C
A
C
C
C
A
C
C
C
A
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052676
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
01/08/2026
Resolved
FCRE3606
Credit
HMDA Data Tape Not Provided
Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply.
    
HMDA tape provided, no discrepancies noted. Condition cleared.
01/14/2026
Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 41.23% is less than Guideline CLTV of 80% Calculated CLTV of 41.23% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 41.23% is less than Guideline LTV of 80% Calculated LTV of 41.23% is less than Guideline LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
C
A
C
A
C
A
A
A
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052873
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
12/23/2025
Resolved
FCRE3606
Credit
HMDA Data Tape Not Provided
Loan is pending HMDA data review. Additional conditions may apply.
    
HMDA tape provided, no discrepancies noted. Condition cleared.; HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided.
01/14/2026
Borrower has stable job time - Borrower has XXX years on job.
D
A
C
A
D
A
A
A
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052873
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
12/23/2025
Resolved
FCRE7497
Credit
Missing verification of taxes, XXX, and/or HOA fees for non-subject property
Missing proof of HOA for All XXX properties(Subject is taken care of) or letter from borrower stating no HOA's. Additional conditions may apply.
XX/XX/XXXX - KJ: Please see attached. The loan integrity report confirms HOA dues are not applicable for any property in question.
12/26/2025
Condition cleared as we have received evidence of no HOA dues.
12/29/2025
Borrower has stable job time - Borrower has XXX years on job.
D
A
D
A
D
A
A
A
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052873
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
12/23/2025
Resolved
FCRE1185
Credit
AUS Partially Provided
AUS Partially Provided Lender to provide the full page XXX of LP approval as it is cut off for a full view of the Final DTI ratios. Additional conditions may apply.
XX/XX/XXXX - KJ: Please see attached.
12/26/2025
Condition resolved as we have received the complete AUS from lender. ; AUS is not incomplete
12/29/2025
Borrower has stable job time - Borrower has XXX years on job.
D
A
D
A
D
A
A
A
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052672
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
02/17/2026
Resolved
FCRE3606
Credit
HMDA Data Tape Not Provided
Loan is pending HMDA data review. Additional conditions may apply.
    
HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided.
02/23/2026
Borrower has stable job time - Borrower has XXX years on job.
C
A
C
A
C
A
A
A
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052675
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
02/11/2026
Resolved
FCRE3606
Credit
HMDA Data Tape Not Provided
Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply.
    
HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided.
02/18/2026
Original LTV is Below the Guideline Maximum - Calculated LTV of 65% is less than Guideline LTV of 80% Calculated LTV of 65% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 65% is less than Guideline CLTV of 80% Calculated CLTV of 65% is less than Guideline CLTV of 80% | Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
C
A
C
A
C
A
A
A
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052696
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
02/12/2026
Resolved
FCRE3606
Credit
HMDA Data Tape Not Provided
Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply.
    
HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided.
02/18/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Calculated DTI of XXX% is less than Guideline DTI of XXX%
C
A
C
A
C
A
A
A
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052753
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
02/23/2026
Resolved
FPRO9990
Property
Third Party Valuation Product Not Provided within XXX% Tolerance
Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Third Party Valuation Product Not Provided. Please provide Third Party Valuation Product.
XX/XX/XXXX AMB: Please see the attached CDA from XXX showing a XXX% variance from the appraised value used to qualify.
02/27/2026
Third party valuation provided within tolerance. Condition cleared. ; Third party valuation product provided within tolerance.
03/03/2026
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job.
C
A
C
A
C
A
C
A
A
A
C
C
C
A
C
C
C
A
C
C
C
A
C
C
C
A
C
C
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052753
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
02/23/2026
Resolved
FCRE3606
Credit
HMDA Data Tape Not Provided
Loan is pending HMDA data review. Additional conditions may apply.
    
HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided.
03/03/2026
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job.
C
A
C
A
C
A
C
A
A
A
C
C
C
A
C
C
C
A
C
C
C
A
C
C
C
A
C
C
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052725
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
02/25/2026
Resolved
FCRE1186
Credit
Audited DTI Exceeds AUS DTI
Audited DTI of XXX% exceeds AUS DTI of XXX% Debt to income ratio exceeds max of XXX% allowed. XXX% tolerance is not allowed. Upon audit after REO and 2nd home obligations were added it pushes DTI over XXX% to XXX%. Lender DTI is XXX% Lender to provide a breakdown of total payments used to qualify to cure DTI Fail. It appears Lender calculated less REO and or 2nd home obligations.
XX/XX/XXXX MM: Please see attached UW transmittal that shows how UWM calculated the REO debt and income on the loan.
03/02/2026
Audited DTI of XXX% is less than or equal to AUS DTI of XXX%; Upon further review, Audited DTI of XXX% is within tolerance. Condition cleared.
05/01/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
D
A
C
A
C
A
A
A
D
A
D
C
A
D
D
C
A
D
D
C
A
D
D
C
A
D
D
C
A
D
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052725
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
02/24/2026
Resolved
FCRE3606
Credit
HMDA Data Tape Not Provided
Loan is pending HMDA data review. Additional conditions may apply.
    
HMDA review completed, no Level XXX findings noted, condition cleared.
03/04/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
D
A
C
A
C
A
A
A
D
A
D
C
A
D
D
C
A
D
D
C
A
D
D
C
A
D
D
C
A
D
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052725
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
02/25/2026
Rescinded
FCOM1274
Compliance
Escrow Waiver is Missing
Escrow Waiver is Missing
TF XX/XX/XXXX Disagree: Please see pg.XXX on the attached Final Closing Disclosure for the escrow waiver per SEL-XXX-XXX The requirement for a separate escrow waiver disclosure has been removed from the Selling Guide because a similar disclosure is now part of the Closing Disclosure.
02/26/2026
Final CD discloses escrows are waived. Condition rescinded.
02/27/2026
  
D
A
D
A
C
A
A
A
D
A
D
C
A
D
D
C
A
D
D
C
A
D
D
C
A
D
D
C
A
D
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052771
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/10/2026
Resolved
FCRE3606
Credit
HMDA Data Tape Not Provided
Loan is pending HMDA data review. Additional conditions may apply.
    
HMDA received - no level XXX discrepancies - condition cleared ; HMDA Data Tape Provided.
03/16/2026
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job.
C
A
C
A
C
A
A
A
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052697
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/09/2026
Resolved
finding-3634
Compliance
Charges That Cannot Increase Test
This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination XXXing to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of XXX is due to increase from XXX to XXX for the Discount Point Fee. The lock confirmation disclosure in file p.XXX dated XX/XX/XXXX verifies the lock extension however, the final CD was disclosed XX/XX/XXXX and does not meet timing requirements for the fee increase. lease provide a valid COC or cure package.
LL XX/XX/XXXX Please see the attached TRID Disclosure History which shows the CD was sent electronically to the borrower after the change.; LL XX/XX/XXXX On XX/XX/XXXX there was a XXX day lock extension added to the loan. On Wholesale loans lock actions are acceptable changes of circumstance. A Closing Disclosure went out to the borrower on the same day. Please see the attached Lock Confirmations and Closing Disclosure.
03/30/2026
Valid COC with applicable CD provided; exception resolved; Valid COC with applicable CD provided; exception resolved; Provide supporting documentation indicating how the change of circumstance disclosure was delivered and include the delivery date.
03/31/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job.
C
A
C
A
C
A
A
A
C
A
C
C
A
C
C
C
A
C
C
C
A
C
C
C
A
C
C
C
A
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052697
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/09/2026
Resolved
FCRE3606
Credit
HMDA Data Tape Not Provided
Loan is pending HMDA data review. Additional conditions may apply.
    
HMDA received - no level XXX discrepancies - condition cleared; HMDA Data Tape Provided.
03/11/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job.
C
A
C
A
C
A
A
A
C
A
C
C
A
C
C
C
A
C
C
C
A
C
C
C
A
C
C
C
A
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052699
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
02/25/2026
Resolved
FCRE3606
Credit
HMDA Data Tape Not Provided
Loan is pending HMDA data review. Additional conditions may apply.
    
HMDA Data Tape Provided.
03/04/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
C
A
C
A
C
A
A
A
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052766
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/09/2026
Resolved
FCRE5774
Credit
Borrower 1 Credit Report is Incomplete
Borrower 1 Credit Report is Partially Present. Missing HOA Statement for the property at XXX XXX. If not applicable, a LOE stating there are no HOA dues is required.
XX/XX/XXXX MM: Please see attached document that shows there are no HOA dues XXXd with this property. No LOE is required
03/12/2026
Lender provided evidence of no HOA for the property at XXX XXX. Condition cleared.
03/13/2026
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
C
A
C
A
C
A
A
A
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052766
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/09/2026
Resolved
FCRE3606
Credit
HMDA Data Tape Not Provided
Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply.
    
HMDA received - no level XXX discrepancies - condition cleared; HMDA Data Tape Provided.
03/11/2026
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
C
A
C
A
C
A
A
A
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052715
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
02/25/2026
Resolved
FCRE3606
Credit
HMDA Data Tape Not Provided
Loan is pending HMDA data review. Additional conditions may apply.
    
HMDA review completed, no Level XXX findings noted, condition cleared.
03/04/2026
  
C
A
C
A
C
A
A
A
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052760
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
02/27/2026
Resolved
FCRE3606
Credit
HMDA Data Tape Not Provided
Loan is pending HMDA data review. Additional conditions may apply.
    
HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided.
03/06/2026
Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
C
A
C
A
C
A
A
A
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052798
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/31/2026
Resolved
FCRE5774
Credit
Borrower 1 Credit Report is Incomplete
Borrower 1 Credit Report is Partially Present. The only credit report provided is cut off on the entire report on the left side. Please provide better copy. Subject to full review. Additional conditions may apply.
XX/XX/XXXX MM: Please see attached credit report. The attached credit report on file is the full copy of the report.
04/06/2026
Lender provided a complete copy of the credit report. Condition cleared. ; Borrower 1 Credit Report is not partially present.
04/07/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
C
A
C
A
C
A
A
A
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052798
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/31/2026
Resolved
FCRE3606
Credit
HMDA Data Tape Not Provided
Loan is pending HMDA data review. Additional conditions may apply.
    
HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided.
04/06/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
C
A
C
A
C
A
A
A
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052773
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/24/2026
Resolved
FCRE3606
Credit
HMDA Data Tape Not Provided
Loan is pending HMDA data review. Additional conditions may apply.
    
HMDA received - no level XXX discrepancies - condition cleared; HMDA Data Tape Provided.
03/30/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job.
C
A
C
A
C
A
A
A
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052770
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/25/2026
Resolved
FCRE3606
Credit
HMDA Data Tape Not Provided
Loan is pending HMDA data review. Additional conditions may apply.
    
HMDA received - no level XXX discrepancies - condition cleared; HMDA Data Tape Provided.
03/30/2026
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
C
A
C
A
C
A
A
A
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052776
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/18/2026
Resolved
FCRE5774
Credit
Borrower 1 Credit Report is Incomplete
Borrower 1 Credit Report is Partially Present. Missing HOA Statement for the property at XXX XXX. If not applicable, a LOE stating there are no HOA dues is required.
XX/XX/XXXX - KJ: The subject property's HOA dues were confirmed via the appraisal dated XXX/XXX/XXX. Additionally, the loan integrity report confirms HOA dues are not applicable for XXXXXX. Please see attached.
03/25/2026
Lender provided evidence of no HOA for the property located at XXX XXX. Condition cleared. ; Borrower 1 Credit Report is not partially present.
03/26/2026
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
C
A
C
A
C
A
A
A
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052776
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/18/2026
Resolved
FCRE3606
Credit
HMDA Data Tape Not Provided
Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply.
    
HMDA received - no level XXX discrepancies - condition cleared; HMDA Data Tape Provided.
03/20/2026
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
C
A
C
A
C
A
A
A
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052686
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/06/2026
Resolved
FCRE7497
Credit
Missing verification of taxes, XXX, and/or HOA fees for non-subject property
Missing HOA for the property at XXX XXX or letter from borrower stating no HOA. Additional conditions may apply.
XX/XX/XXXX - KJ: Please see attached. HOA dues are not applicable for this property.
04/10/2026
Lender provided Redfin showing SFR, along with no HOA fees shown on Schedule E. Condition cleared.
04/13/2026
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 62.77% is less than Guideline CLTV of 80% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 62.77% is less than Guideline LTV of 80%
D
A
D
A
D
A
A
A
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052686
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/06/2026
Resolved
FCRE1148
Credit
Title Coverage is Less than Subject Lien
Title Coverage Amount of XXX is Less than Total Amount of Subject Lien XXX Provide updated title to show minimum loan amt of XXX
XX/XX/XXXX SW- see attached
04/09/2026
Lender provided the title supplement showing sufficient coverage. Condition cleared. ; Title Coverage Amount of XXX is equal to or greater than Total Amount of Subject Lien $XXX; Material
04/10/2026
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 62.77% is less than Guideline CLTV of 80% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 62.77% is less than Guideline LTV of 80%
D
A
B
A
D
A
A
A
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052686
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/03/2026
Resolved
FCRE3606
Credit
HMDA Data Tape Not Provided
Loan is pending HMDA data review. Additional conditions may apply.
    
HMDA received - no level XXX discrepancies - condition cleared ; HMDA Data Tape Provided.
04/08/2026
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 62.77% is less than Guideline CLTV of 80% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 62.77% is less than Guideline LTV of 80%
D
A
C
A
D
A
A
A
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052885
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/08/2026
Resolved
FCRE1437
Credit
Income and Employment Do Not Meet Guidelines
Income and Employment Do Not Meet Guidelines Borrower has several K-1s in file with income loss that was not considered during qualification process. Per guidelines self XXX borrowers in more than XXX% ownership with income loss is to be considered. Please provide explanation or evidence of the K-XXX self XXX income loss omission for XXX I Investments LLC, XXX
XX/XX/XXXX MM: Please note the business tax returns for XXX, XXX, and XXX show actual losses on the K-XXX. However, when adding back depreciation, most businesses have positive income, so the losses do not need to be factored in and the income was not needed to qualify. For XXX, the borrower owns XXX% with a loss of XXX and a depreciation share of XXX resulting in no true loss. For XXX, the borrower's loss is XXX with a depreciation share of XXX also resulting in no true loss. For XXX, the borrower's loss is XXX with a depreciation share of $XXX. The remaining loss of XXX per month is included. I've attached the business returns to support the depreciation used and the income worksheets.
04/14/2026
Upon further review, the business tax returns for XXX, XXX, and XXX show actual losses on the K-XXX. However, when adding back depreciation, most businesses have positive income, so the losses do not need to be factored in and the income was not needed to qualify. For XXX, the borrower owns XXX% with a loss of XXX and a depreciation share of XXX resulting in no true loss. For XXX, the borrower's loss is XXX with a depreciation share of XXX also resulting in no true loss. For XXX, the borrower's loss is XXX with a depreciation share of $XXX. The remaining loss of XXX per month is included. I've attached the business returns to support the depreciation used and the income worksheets. Condition cleared. ; Income and Employment Meet Guidelines
04/15/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job.
C
A
C
A
C
A
A
A
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052885
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/07/2026
Resolved
FCRE3606
Credit
HMDA Data Tape Not Provided
Loan is pending HMDA data review. Additional conditions may apply.
    
HMDA received - no level XXX discrepancies - condition cleared; HMDA Data Tape Provided.
04/13/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job.
C
A
C
A
C
A
A
A
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052786
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/09/2026
Resolved
FCOM1266
Compliance
Homeownership Counseling Disclosure Is Missing
Homeownership Counseling Disclosure Is Missing Documentation required to clear exception:  Provide homeownership counseling disclosure that was provided to the consumer within XXX-business days of application XXX/XXX/XXX.
Homeownership Counseling Disclosure attached.
04/14/2026
Homeownership Counseling Disclosure Is Present or Not Applicable
04/15/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
C
A
B
A
C
A
A
A
B
A
C
C
A
B
C
C
A
B
C
C
A
B
C
C
A
B
C
C
A
B
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052786
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/07/2026
Resolved
FCRE3606
Credit
HMDA Data Tape Not Provided
Loan is pending HMDA data review. Additional conditions may apply.
    
HMDA received - no level XXX discrepancies - condition cleared.; HMDA Data Tape Provided.
04/13/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
C
A
C
A
C
A
A
A
B
A
C
C
A
B
C
C
A
B
C
C
A
B
C
C
A
B
C
C
A
B
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052657
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
02/10/2026
Acknowledged
FPRO9990
Property
Third Party Valuation Product Not Provided within XXX% Tolerance
Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Missing CDA. Please provide CDA.
US Jumbo loan. CU score is XXX Third party valuation not required per guide. UCDP and guide uploaded to portal.
02/18/2026
CU score is XXX accepts in lieu of TPV requirements. Final grade was a B.; XXX overlays requires a CDA on all loans. Condition remains.; Audit reviewed the lender's response. A CDA is required per XXX. Condition retained.; FMNA score XXX
03/18/2026
Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
D
B
A
B
D
A
A
B
B
A
D
D
A
B
D
D
A
B
D
D
A
B
D
D
A
B
D
D
A
B
B
A
B
A
B
A
B
A
B
A
B
A
B
A
B
A
B
A
B
A
409052657
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
02/10/2026
Resolved
FCRE1185
Credit
AUS Partially Provided
AUS Partially Provided The IPC of XXX exceeds the closing costs of XXX reflected on the post consummation CD. Please reduce the sales price by $XXX.
Regarding the condition that the IPC of XXX exceeds the closing costs of XXX – Please see the attached Final Post Consummation Closing Disclosure with finalized fees and costs. Closing Cost (J) are XXX plus there are proration charges totaling XXX that are being covered by the IPC as well. Per guidelines, IPC’s can cover prorations so this information and documentation should be sufficient to clear/waive the condition.; Regarding the condition that the IPC of XXX exceeds the closing costs of XXX – Please see the attached Final Post Consummation Closing Disclosure with finalized fees and costs. Closing Cost (J) are XXX plus there are proration charges totaling XXX that are being covered by the IPC as well. Per guidelines, IPC’s can cover prorations so this information and documentation should be sufficient to clear/waive the condition.
03/04/2026
Lender provided the Final Post Consummation Closing Disclosure with finalized fees and costs. Closing Cost (J) are XXX plus there are proration charges totaling XXX that are being covered by the IPC as well. Per guidelines, IPC’s can cover prorations. Condition cleared. ; AUS is not incomplete; Provide updated AUS findings, 1003, and XXX to indicate the sales price being reduced by XXX due to the fees listed on the Final CD and Seller Transaction CD discloses the fees being paid in advance by the Seller.; AUS Partially Provided
03/09/2026
Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
D
B
D
A
D
A
A
B
B
A
D
D
A
B
D
D
A
B
D
D
A
B
D
D
A
B
D
D
A
B
B
A
B
A
B
A
B
A
B
A
B
A
B
A
B
A
B
A
B
A
409052657
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
02/10/2026
Resolved
FCRE1437
Credit
Income and Employment Do Not Meet Guidelines
Income and Employment Do Not Meet Guidelines Per State of California Department of Real EState search in file, the borrower's real eState license expired on XXX/XXX/XXX. Please provide evidence that the borrower's real eState license was renewed.
DRE license with expiration date of XX/XX/XXXX uploaded to portal.
02/18/2026
Income and Employment Meet Guidelines
02/20/2026
Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
D
B
C
A
D
A
A
B
B
A
D
D
A
B
D
D
A
B
D
D
A
B
D
D
A
B
D
D
A
B
B
A
B
A
B
A
B
A
B
A
B
A
B
A
B
A
B
A
B
A
409052657
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
02/10/2026
Resolved
FCRE3606
Credit
HMDA Data Tape Not Provided
Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply.
    
HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided.
02/18/2026
Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
D
B
C
A
D
A
A
B
B
A
D
D
A
B
D
D
A
B
D
D
A
B
D
D
A
B
D
D
A
B
B
A
B
A
B
A
B
A
B
A
B
A
B
A
B
A
B
A
B
A
409052657
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
02/09/2026
Resolved
FCOM5135
Compliance
Missing Required Affiliated Business Disclosure
Required Affiliated Business Disclosure Missing Missing Document - Affiliated Business Disclosure or attestation to show the lender either has no affiliates or did not make a referral of business to an affiliate
XXX/XXX/XXX: The Affiliate Attestation has been uploaded for your review.
02/17/2026
Lender provided a signed attestation of no Affiliates. Condition cleared.; Material
02/18/2026
Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
D
B
B
A
D
A
A
B
B
A
D
D
A
B
D
D
A
B
D
D
A
B
D
D
A
B
D
D
A
B
B
A
B
A
B
A
B
A
B
A
B
A
B
A
B
A
B
A
B
A
409052712
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
02/20/2026
Resolved
FCOM5135
Compliance
Missing Required Affiliated Business Disclosure
Required Affiliated Business Disclosure Missing Missing lenders Affiliated Business Disclosure
XXX/XXX/XXX: The Lender Affiliate Attestation has been uploaded for your review. From Lender, please note that is the Title Company’s, XXX Title Company disclosure, not ours as we do not have any affiliated business.; XXX/XXX/XXX: The Affiliated Business Disclosure has been uploaded for your review.
03/10/2026
Lender provided ABA Letter; condition cleared.; The ABD received from the lender is for the title company and not the lender. ; Required Affiliated Business Disclosure Missing Lender provided the affiliated business disclosure, however, we are missing evidence or receipt. Appears page XXX showing signatures is missing. Condition retained. ; Material
03/11/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job.
C
A
B
A
C
A
C
A
B
A
C
C
C
B
C
C
C
B
C
C
C
B
C
C
C
B
C
C
C
B
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052712
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
02/19/2026
Resolved
FPRO9990
Property
Third Party Valuation Product Not Provided within XXX% Tolerance
Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Missing CDA. Please provide CDA.
UPloaded CDA; CDA
03/04/2026
Third party valuation provided within tolerance. Condition cleared.; Audit reviewed the document provided. Lender provided the ID. Please provide CDA. Condition retained.
03/05/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job.
C
A
C
A
C
A
C
A
B
A
C
C
C
B
C
C
C
B
C
C
C
B
C
C
C
B
C
C
C
B
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052712
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
02/19/2026
Resolved
FCOM3075
Credit
Missing US Patriot Act Disclosure or ID
Missing US Patriot Act Disclosure or ID. Missing US Patriot Act Disclosure or ID for the borrowers.
Copies of DLs for b1 and b2 uploaded to portal.
03/04/2026
Lender provided the Driver's Licenses for the borrower and co borrower. Condition cleared.; Material
03/04/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job.
C
A
B
A
C
A
C
A
B
A
C
C
C
B
C
C
C
B
C
C
C
B
C
C
C
B
C
C
C
B
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052712
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
02/19/2026
Resolved
FCRE3606
Credit
HMDA Data Tape Not Provided
Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply.
    
HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided.
03/04/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job.
C
A
C
A
C
A
C
A
B
A
C
C
C
B
C
C
C
B
C
C
C
B
C
C
C
B
C
C
C
B
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052728
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/13/2026
Acknowledged
FVAL9739
Property
Property/Appraisal General
Property/Appraisal guideline violation: Missing the required CDA for the appraisal with the lower value of XXX The CDA in file is for the higher value appraisal.
A guideline exception was approved to not require CDA on the lower valued appraisal. Uploaded approval.
03/19/2026
XXX provided exception to approve using the CDA with the higher appraised value. ; The condition would have to be escalated to the XXX for approval. Condition retained.
04/30/2026
Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
C
B
C
B
C
A
C
B
B
A
C
C
C
B
C
C
C
B
C
C
C
B
C
C
C
B
C
C
C
B
B
A
B
A
B
A
B
A
B
A
B
A
B
A
B
A
B
A
B
A
409052728
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/13/2026
Resolved
FCOM3849
Compliance
Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR  1002.14(a)(1))
The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). Cure - Provide evidence consumer received a copy of the appraisal at or prior to consummation XX/XX/XXXX he document in file indicates that the borrower either received or chose to waive the right to receive the appraisal at least XXX days prior to consummation but does not confirm the borrower received the appraisal at or prior to consummation since they chose to waive the XXX days right to receive the appraisal. Since the document doesn't indicate which option the borrower is signing to acknowledge, provide documentation to show the date the borrower received the appraisal to confirm it was received by the borrower timely
XXX/XXX/XXX: The Appraisal POD has been uploaded for your review.
03/19/2026
Appraisal delivery provided, exception resolved; Evidence of appraisal delivery provided.; Material
03/20/2026
Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
C
B
B
A
C
A
C
B
B
A
C
C
C
B
C
C
C
B
C
C
C
B
C
C
C
B
C
C
C
B
B
A
B
A
B
A
B
A
B
A
B
A
B
A
B
A
B
A
B
A
409052728
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/12/2026
Resolved
FCRE3606
Credit
HMDA Data Tape Not Provided
Loan is pending HMDA data review. Additional conditions may apply.
    
HMDA received - no level XXX discrepancies - condition cleared ; HMDA Data Tape Provided.
03/16/2026
Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
C
B
C
A
C
A
C
B
B
A
C
C
C
B
C
C
C
B
C
C
C
B
C
C
C
B
C
C
C
B
B
A
B
A
B
A
B
A
B
A
B
A
B
A
B
A
B
A
B
A
409052804
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/01/2026
Resolved
FCRE3606
Credit
HMDA Data Tape Not Provided
Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply.
    
HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided.
04/06/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Calculated DTI of XXX% is less than Guideline DTI of XXX%
C
A
C
A
C
A
A
A
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052652
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/26/2025
Resolved
FPRO9990
Property
Third Party Valuation Product Not Provided within XXX% Tolerance
Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Missing CDA for the lower appraisal amount of $XXX.
XX/XX/XXXX AMB: Please see the attached CDA for the correct appraisal.
10/16/2025
Lender provided CDA. Condition cleared.; Third party valuation product provided within tolerance.
10/20/2025
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
C
A
C
A
C
A
C
A
A
A
C
C
C
A
C
C
C
A
C
C
C
A
C
C
C
A
C
C
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052652
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/25/2025
Resolved
FCRE3606
Credit
HMDA Data Tape Not Provided
Loan is pending HMDA data review. Additional conditions may apply.
    
HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided.
04/30/2025
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
C
A
C
A
C
A
C
A
A
A
C
C
C
A
C
C
C
A
C
C
C
A
C
C
C
A
C
C
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052679
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
01/20/2026
Resolved
FCRE7497
Credit
Missing verification of taxes, XXX, and/or HOA fees for non-subject property
Missing proof of HOA or letter from the borrower stating no HOA for the property at XXX XXX. Additional conditions may apply.
XX/XX/XXXX CW: The guidelines agreed to with the XXX do not require this. There are no specific requirements from the XXX for this documentation so we default to FNMA guidelines, which do not require additional documentation. This loan was documented in the same way as any loan we would send to FNMA. Please clear or provide the guideline we are not meeting. ; XX/XX/XXXX CW: UWM has found no evidence of an HOA on this property. Fraud Report did not call out undisclosed HOA dues on this property, there were no undisclosed HOA deductions on assets, and third party data indicates this is a single family residence.
01/29/2026
Upon further review, the property profile in file shows XXX XXX is a SFR. Condition cleared. ; Upon further review, the property profile in file shows XXX XXX is a SFR. Condition cleared. ; Fraud report pulled does not disclose all real eState owned. Please provide evidence of no HOA or letter from the borrower stating no HOA for the property at XXX XXX. Condition retained.
02/02/2026
Original CLTV is Below the Guideline Maximum | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum
D
A
D
A
D
A
A
A
C
A
D
D
A
C
D
D
A
C
D
D
A
C
D
D
A
C
D
D
A
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052679
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
01/20/2026
Resolved
finding-3634
Compliance
Charges That Cannot Increase Test
This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination XXXing to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of XXX is due to increase from XXX to XXX for the Appraisal Fee XXX There was a cure provided on the final CD and then removed on the PCCD.
TF XX/XX/XXXX Disagree - Please see attached Final Settlement Statement that was uploaded on XX/XX/XXXX that has the tolerance cure of XXX reflecting that matches the Tolerance cure breakdown and Wet signed closing disclosure that was provided on XXX/XXX. The Cure of XXX was provided per the Final Settlement Statement. ; TF XX/XX/XXXX Please see attached Final Settlement Statement with the tolerance cure of XXX reflecting; TF XX/XX/XXXX Please see the attached Final Closing Disclosure and Tolerance Cure breakdown which shows the borrower was provided a credit at closing for the increase in the Appraisal XXX Fee.
01/29/2026
Final settlement Statement provided confirms the borrower received the cure at disbursement; Exception resolved; Final settlement Statement provided confirms the borrower received the cure at disbursement; Exception resolved; Please provide LOE, Refund check in the amount of XXX and evidence of delivery. Condition retained. ; The cure was removed on the PCCD, please provide a final settlement Statement or corrected PCCD and LOE that confirms the borrower was provided the cure
01/29/2026
Original CLTV is Below the Guideline Maximum | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum
D
A
C
A
D
A
A
A
C
A
D
D
A
C
D
D
A
C
D
D
A
C
D
D
A
C
D
D
A
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052679
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
01/20/2026
Resolved
FCRE1316
Credit
Borrower 1 3rd Party VOE Prior to Close Missing
Borrower 1 3rd Party VOE Prior to Close Missing Missing third party verification of businesses for XXX and Sch C business: "XXX" Additional conditions may apply.
XX/XX/XXXX CW: Verification of business is not required when we are just hitting for a loss for these businesses. If anything, the borrower would be better off if the verification showed the businesses no longer existed.
01/26/2026
Upon further review, verification of business is not required if businesses are showing a loss. Condition cleared.
01/28/2026
Original CLTV is Below the Guideline Maximum | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum
D
A
D
A
D
A
A
A
C
A
D
D
A
C
D
D
A
C
D
D
A
C
D
D
A
C
D
D
A
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052679
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
01/20/2026
Resolved
FCRE1437
Credit
Income and Employment Do Not Meet Guidelines
Income and Employment Do Not Meet Guidelines Missing satisfactory letter explaining declining income for XXX as per Lender request on Income worksheet. Additional conditions may apply.
XX/XX/XXXX CW: We are hitting for a loss, reason for decline would only be necessary if we were using positive income for the business.
01/26/2026
Upon further review, the business is showing a loss, reason for decline would only be necessary if we were using positive income for the business. Condition cleared.; Income and Employment Meet Guidelines
01/28/2026
Original CLTV is Below the Guideline Maximum | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum
D
A
C
A
D
A
A
A
C
A
D
D
A
C
D
D
A
C
D
D
A
C
D
D
A
C
D
D
A
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052679
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
01/20/2026
Resolved
FCRE1185
Credit
AUS Partially Provided
AUS Partially Provided Lender to rerun DU findings with the correct XXX of XXX which will also correct LTV of 51%.
XX/XX/XXXX CW: See attached updated AUS findings
01/26/2026
Lender provided the AUS with the correct XXX. Condition cleared. ; AUS is not incomplete
01/28/2026
Original CLTV is Below the Guideline Maximum | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum
D
A
D
A
D
A
A
A
C
A
D
D
A
C
D
D
A
C
D
D
A
C
D
D
A
C
D
D
A
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052679
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
01/20/2026
Resolved
FCRE1159
Credit
Hazard XXX Effective Date is after the Disbursement Date
Hazard XXX Effective Date of XX/XX/XXXX is after the Disbursement Date of XXX-XXX-XXX. Lender to provide updated hazard XXX policy to show coverage on disbursement date of XX/XX/XXXX or earlier.
XX/XX/XXXX CW: See attached policy
01/26/2026
Lender provided evidence of the effective date of XXX/XXX/XXX. Condition cleared. ; Hazard XXX Effective Date of XX/XX/XXXX is prior to or equal to the Disbursement Date of XX/XX/XXXX Or Hazard XXX Effective Date Is Not Provided.
01/28/2026
Original CLTV is Below the Guideline Maximum | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum
D
A
C
A
D
A
A
A
C
A
D
D
A
C
D
D
A
C
D
D
A
C
D
D
A
C
D
D
A
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052679
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
01/20/2026
Resolved
FCRE1148
Credit
Title Coverage is Less than Subject Lien
Title Coverage Amount of XXX is Less than Total Amount of Subject Lien XXX Lender to provide updated title report with corrected overage of XXX
XX/XX/XXXX SW- see attached
01/28/2026
Lender provided the title update/supplement showing sufficient coverage. Condition cleared. ; Title Coverage Amount of XXX is equal to or greater than Total Amount of Subject Lien $XXX; Material
01/28/2026
Original CLTV is Below the Guideline Maximum | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum
D
A
B
A
D
A
A
A
C
A
D
D
A
C
D
D
A
C
D
D
A
C
D
D
A
C
D
D
A
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052679
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
01/20/2026
Resolved
FCRE3606
Credit
HMDA Data Tape Not Provided
Loan is pending HMDA data review. Additional conditions may apply.
    
HMDA Data Tape Provided.
01/21/2026
Original CLTV is Below the Guideline Maximum | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum
D
A
C
A
D
A
A
A
C
A
D
D
A
C
D
D
A
C
D
D
A
C
D
D
A
C
D
D
A
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052673
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/20/2026
Resolved
FCRE7497
Credit
Missing verification of taxes, XXX, and/or HOA fees for non-subject property
Missing HOA monthly debt for the following properties: XXX XXX, XXXXXX and XXX XXX. Additional conditions may apply.
XX/XX/XXXX MM: Please see attached documentation that shows HOA for REO XXX XXX. There is no HOA documentation for XXXXXX and HOA for REO XXX is reporting on the tax returns
03/26/2026
Lender provided evidence of HOA for REO XXX XXX. HOA documentation for XXXXXX and HOA for REO XXX Paseo. Condition cleared.
03/27/2026
Original CLTV is Below the Guideline Maximum - Calculated CLTV of 61.74% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 61.74% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years on job.
D
A
D
A
D
A
A
A
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052673
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/20/2026
Resolved
FCRE5774
Credit
Borrower 1 Credit Report is Incomplete
Borrower 1 Credit Report is Partially Present. Missing proof of P&I on new 2nd mtg on the property at XXX XXX as confirmed on the Final 1003 with a payment of XXX per month. Additional conditions may apply.
XX/XX/XXXX MM: please see attached documentation that shows 2nd mtg info for mortgage XXX XXX
03/26/2026
Lender provided evidence of the P&I on new 2nd mtg on the property at XXX XXX as confirmed on the Final 1003 with a payment of XXX per month. Condition cleared. ; Borrower 1 Credit Report is not partially present.
03/27/2026
Original CLTV is Below the Guideline Maximum - Calculated CLTV of 61.74% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 61.74% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years on job.
D
A
C
A
D
A
A
A
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052673
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/20/2026
Resolved
FCRE1440
Credit
Housing History Does Not Meet Guideline Requirements
Housing History Does Not Meet Guideline Requirements Missing partial mortgage history for subj property from XXX/XXX-XXX/XXX that was not rated on any credit reports provided. Additional conditions may apply.
XX/XX/XXXX MM: Please see attached credit supplement
03/26/2026
Housing History Meets Guideline Requirements; Lender provided the mortgage history for subj property from XXX/XXX-XXX/XXX. Condition cleared.
03/27/2026
Original CLTV is Below the Guideline Maximum - Calculated CLTV of 61.74% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 61.74% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years on job.
D
A
C
A
D
A
A
A
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052673
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/25/2026
Resolved
FCRE3606
Credit
HMDA Data Tape Not Provided
Loan is pending HMDA data review. Additional conditions may apply.
    
HMDA received - no level XXX discrepancies - condition cleared; HMDA Data Tape Provided.
03/25/2026
Original CLTV is Below the Guideline Maximum - Calculated CLTV of 61.74% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 61.74% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years on job.
D
A
C
A
D
A
A
A
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052750
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
02/24/2026
Resolved
FCRE3606
Credit
HMDA Data Tape Not Provided
Loan is pending HMDA data review. Additional conditions may apply.
    
HMDA Data Tape Provided. HMDA Data Tape Provided. HMDA review completed, no Level XXX findings noted; condition cleared.
03/04/2026
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
C
A
C
A
C
A
A
A
B
A
C
C
A
B
C
C
A
B
C
C
A
B
C
C
A
B
C
C
A
B
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052750
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
02/23/2026
Resolved
FCOM3849
Compliance
Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR  1002.14(a)(1))
The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). Evidence of Appraisal Delivery to Borrower not Provided
TF XX/XX/XXXX Please see the attached documents which shows the borrower received the Appraisal on XX/XX/XXXX
02/27/2026
Lender provided evidence of receipt of the appraisal within XXX days of the application date. Condition cleared. ; Evidence of appraisal delivery provided.; Material
03/03/2026
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
C
A
B
A
C
A
A
A
B
A
C
C
A
B
C
C
A
B
C
C
A
B
C
C
A
B
C
C
A
B
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052707
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
02/25/2026
Resolved
FCRE1333
Credit
Borrower 1 WVOE Missing
Borrower 1 WVOE Missing Missing WVOE to confirm base and bonus income. Lender worksheet requested the document. Paystubs in file are non traditional.
XX/XX/XXXX MM: Please see attached AUS report.; XX/XX/XXXX MM: This is a manual underwrite so AUS is not ran on the file. We are removing the XXX bonus from the income calculation to avoid getting the LOX from the employer. I have provided the new income worksheet and transmittal.; XX/XX/XXXX MM: Would XXX be okay with us excluding the XXX bonus reflected in the XXX and use the remaining bonus income of XXX for XXX and XXX for XXX Using this calculation would make the qualifying bonus income $XXX. This would bring the DTI to approximately XXX% which still qualifies. | | Please see the attached income worksheet and updated UW transmittal for the new ratios. | | ; XX/XX/XXXX MM: Please see attached payroll activity documents from the years XXX &XXX. They give a breakdown of all income types and amounts listed.
03/17/2026
Lender provided a revised AUS/1003/XXX removing the XXX bonus from the income calculation. DTI XXX%. Condition cleared.; Provide updated AUS findings indicating the correct qualifying bonus income of XXX due to Loan Program is underwritten to AUS findings.; Provide updated AUS findings indicating the correct qualifying bonus income of $XXX.; Provide a letter of explanation for the XXX bonus reflected in October XXX on the XXX Payroll Check Activity. Per XXX guidelines, bonus income must be stable and consistent; however, the XXX Payroll Check Activity does not show an October bonus. Clarification is required to determine if this income may be used for qualifying.
03/18/2026
Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 80% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job.
D
A
D
A
D
A
A
A
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052707
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
02/25/2026
Resolved
FCRE7497
Credit
Missing verification of taxes, XXX, and/or HOA fees for non-subject property
Missing proof of Hazard XXX for the property at XXX XXX or letter stating not required since property is free and clear.
XX/XX/XXXX MM: Please see attached open lien report that States that the subdiv is cottages on XXX and the master policy shows it is insured with cottages on XXX community association ; XX/XX/XXXX M: Please see attached copy of the master policy for the REO that shows the policy includes all in/ walls in coverage.
03/05/2026
Lender provided lien report which identifies the property is XXXd with the Master Policy.; Provide documentation to indicate the property address XXXd with the Master Policy due to document does not reference street addresses, unit numbers, etc.
03/06/2026
Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 80% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job.
D
A
D
A
D
A
A
A
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052707
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
02/25/2026
Resolved
FCRE3606
Credit
HMDA Data Tape Not Provided
Loan is pending HMDA data review. Additional conditions may apply.
    
HMDA Data Tape Provided. HMDA Data Tape Provided. HMDA review completed, no Level XXX findings noted; condition cleared.
03/04/2026
Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 80% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job.
D
A
C
A
D
A
A
A
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052877
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/17/2026
Resolved
FCRE3606
Credit
HMDA Data Tape Not Provided
Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply.
    
HMDA received - no level XXX discrepancies - condition cleared; HMDA Data Tape Provided.
03/20/2026
Original LTV is Below the Guideline Maximum - Calculated LTV of 43.6% is less than Guideline LTV of 80% Calculated LTV of 43.6% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 43.6% is less than Guideline CLTV of 80% Calculated CLTV of 43.6% is less than Guideline CLTV of 80%
C
A
C
A
C
A
A
A
B
A
C
C
A
B
C
C
A
B
C
C
A
B
C
C
A
B
C
C
A
B
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052877
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/17/2026
Resolved
FCOM5135
Compliance
Missing Required Affiliated Business Disclosure
Required Affiliated Business Disclosure Missing Documentation required to clear exception, Required Affiliated Business Disclosure Missing
TF XX/XX/XXXX The Affiliate Business Disclosure is only required when there are fees charged to the borrower which the broker/lender is affiliated with. There are no charges on this file at have affiliated payees.
03/19/2026
Required Affiliated Business Disclosure Documentation Provided; Material
03/20/2026
Original LTV is Below the Guideline Maximum - Calculated LTV of 43.6% is less than Guideline LTV of 80% Calculated LTV of 43.6% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 43.6% is less than Guideline CLTV of 80% Calculated CLTV of 43.6% is less than Guideline CLTV of 80%
C
A
B
A
C
A
A
A
B
A
C
C
A
B
C
C
A
B
C
C
A
B
C
C
A
B
C
C
A
B
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052758
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/19/2026
Resolved
FCRE3606
Credit
HMDA Data Tape Not Provided
Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply.
    
HMDA received - no level XXX discrepancies - condition cleared; HMDA Data Tape Provided.
03/23/2026
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
C
A
C
A
C
A
A
A
B
A
C
C
A
B
C
C
A
B
C
C
A
B
C
C
A
B
C
C
A
B
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052758
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/19/2026
Resolved
FCOM5135
Compliance
Missing Required Affiliated Business Disclosure
Required Affiliated Business Disclosure Missing Documentation required to clear exception: Please provide proof that the Affiliated Business Disclosure was provided prior to closing or provide confirmation that the lender has no affiliates.
Affiliated LOE
03/20/2026
Affiliated attestation provided; Exception resolved; Required Affiliated Business Disclosure Documentation Provided
03/20/2026
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
C
A
B
A
C
A
A
A
B
A
C
C
A
B
C
C
A
B
C
C
A
B
C
C
A
B
C
C
A
B
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052758
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/19/2026
Resolved
FCOM9186
Compliance
eSigned Documents Consent is Missing
The eSigned consent disclosure is missing. The eSigned documents consent is missing for initial disclosures esigned by the Borrower 2/XXX/XXX or prior.
Consent
03/20/2026
E consent provided, exception resolved; Evidence of eConsent is provided.
03/20/2026
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
C
A
B
A
C
A
A
A
B
A
C
C
A
B
C
C
A
B
C
C
A
B
C
C
A
B
C
C
A
B
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052813
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/25/2026
Resolved
FCRE3606
Credit
HMDA Data Tape Not Provided
Loan is pending HMDA data review. Additional conditions may apply.
    
HMDA received - no level XXX discrepancies - condition cleared; HMDA Data Tape Provided.
03/30/2026
Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
C
A
C
A
C
A
A
A
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052787
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/24/2026
Resolved
FCRE3606
Credit
HMDA Data Tape Not Provided
Loan is pending HMDA data review. Additional conditions may apply.
    
HMDA received - no level XXX discrepancies - condition cleared; HMDA Data Tape Provided.
03/30/2026
Original CLTV is Below the Guideline Maximum - Calculated CLTV of 66.67% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 66.67% is less than Guideline LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job.
C
A
C
A
C
A
A
A
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052796
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/29/2026
Resolved
FCRE3606
Credit
HMDA Data Tape Not Provided
Loan is pending HMDA data review. Additional conditions may apply.
    
HMDA received - no level XXX discrepancies - condition cleared ; HMDA Data Tape Provided.
05/04/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
C
A
C
A
C
A
A
A
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052792
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/03/2026
Resolved
FCRE7497
Credit
Missing verification of taxes, XXX, and/or HOA fees for non-subject property
Missing proof of taxes and XXX for the property atXXX. Final 1003 has taxes and XXX with a total of $XXX. per month Mortgage stmt in file doesn't breakout taxes and ins. Lender to provide not to exceed XXX per month. Additional conditions may apply.
Escrows include both XXX and taxes for the property. Is there a specific guideline that requires the amounts to be verified individually outside of the verified escrow account?
04/09/2026
Upon further review, the mortgage Statement shows XXX in escrow. Taxes per XXX's Schedule E in file, show XXX or XXX. This is less than the amount shown on the escrows, therefore the difference is the hazard payment. Condition cleared.
04/10/2026
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 65% is less than Guideline LTV of 75% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 65% is less than Guideline CLTV of 75% | Borrower has stable job time - Borrower has XXX years on job.
D
A
D
A
D
A
A
A
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052792
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/03/2026
Resolved
FCRE3606
Credit
HMDA Data Tape Not Provided
Loan is pending HMDA data review. Additional conditions may apply.
    
HMDA received - no level XXX discrepancies - condition cleared; HMDA Data Tape Provided.
04/08/2026
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 65% is less than Guideline LTV of 75% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 65% is less than Guideline CLTV of 75% | Borrower has stable job time - Borrower has XXX years on job.
D
A
C
A
D
A
A
A
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052658
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
12/16/2025
Resolved
FCRE3606
Credit
HMDA Data Tape Not Provided
Loan is pending HMDA data review. Additional conditions may apply. HMDA Tape Provided. The loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply.
    
HMDA tape provided, no discrepancies noted. Condition cleared.; HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided.
01/14/2026
Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
C
A
C
A
C
A
C
A
A
A
C
C
C
A
C
C
C
A
C
C
C
A
C
C
C
A
C
C
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052658
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
12/16/2025
Resolved
FPRO9990
Property
Third Party Valuation Product Not Provided within XXX% Tolerance
Third Party Valuation Product Not Provided or Not Provided Within Tolerance.
attached
12/24/2025
Third party valuation product provided within tolerance.
12/24/2025
Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
C
A
C
A
C
A
C
A
A
A
C
C
C
A
C
C
C
A
C
C
C
A
C
C
C
A
C
C
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052705
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/16/2026
Resolved
FCRE7497
Credit
Missing verification of taxes, XXX, and/or HOA fees for non-subject property
Missing proof of taxes for the property at XXX XXX XXX XXX since it is not broken out on the mortgage Statement. (hazard and HOA were provided dditional conditions may apply.
tax bill
03/18/2026
Lender provided evidence of taxes for XXX XXX XXX XXX. Condition cleared.
03/19/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job.
D
A
D
A
D
A
A
A
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052705
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/16/2026
Resolved
FCRE3606
Credit
HMDA Data Tape Not Provided
Loan is pending HMDA data review. Additional conditions may apply.
    
HMDA received - no level XXX discrepancies - condition cleared; HMDA Data Tape Provided.
03/18/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job.
D
A
C
A
D
A
A
A
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
A
A
A
A
A
A
A
A
A
A
A
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409052704
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
02/20/2026
Rescinded
finding-4001
Compliance
TRID Disclosure Delivery Date Validation Test
This loan failed the TRID disclosure delivery date validation test he loan contains one of the following conditions:A revised loan estimate delivery date is before the initial loan estimate revised closing disclosure is before the initial closing disclosure closing disclosure delivery date is on or before a loan estimate delivery date post-consummation revised closing disclosure delivery date is on or before a closing disclosure delivery date or loan estimate delivery date.
  
Rescinded as the LE was received within XXX days of discovery.
02/20/2026
  
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409052704
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
01/30/2026
Resolved
finding-3634
Compliance
Charges That Cannot Increase Test
This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination XXXing to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure Required. Refund in the amount of $XXX: cure package requires a PCCD, LOE, Copy of Refund Check, and proof of delivery. The exception is tied to the missing Initial LE issued within XXX business days of the application date of XXX/XXX/XXX, as the earliest available LE is dated XXX/XXX/XXX. Please provide the initial LE issued within XXX business days of the application date of XXX/XXX/XXX. Additional testing will be completed, once the initial LE is provided.
INITIAL LE uploaded
02/06/2026
Condition resolved as we have received the valid COC for the credit report and tech fee along with the missing corresponding LE. ; This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination XXXing to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i).; This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination XXXing to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures. An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). The credit report fee increased from XXX to$ XXX on XX/XX/XXXX and the Credit Tech. and Verification Fee increased from XXX to XXX on XXX/XXX/XXX. Please provide a valid COC or PCCD, LOE, refund, and evidence of delivery.; For the Charges that cannot increase finding I can see from docs in the file that they added a 2nd borrower.. The only issue is the Credit Report was pulled on XX/XX/XXXX and the 1st App for B2 was XXX/XXX/XXX. So they will need to confirm the date they actually knew the borrower was being added on. The COC in the file was not sufficient. ; ; Escalated to our compliance team for review. ; This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination XXXing to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures. An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). The credit report fee increased from XXX to$ XXX on XX/XX/XXXX and the Credit Tech. and Verification Fee increased from XXX to XXX on XXX/XXX/XXX. Please provide a valid COC or PCCD, LOE, refund, and evidence of delivery.
02/20/2026
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 67.56% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 67.56% is less than Guideline LTV of 80%
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409052704
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
01/30/2026
Resolved
finding-3367
Compliance
RESPA Homeownership Counseling Organizations Disclosure Date Test
This loan failed the homeownership counseling organizations disclosure date test due to the following findings: (12 CFR §1024.20(a) he loan has a homeownership counseling organizations disclosure date that is not within three business days of the loan Originator's application date (or the date creditor received application if loan Originator's application date is not provided); orThe homeownership counseling organizations disclosure date is after the closing date ot later than three business days after a lender, mortgage broker, or dealer receives an application, or information sufficient to complete an application, the lender must provide the loan applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. The list of homeownership counseling organizations distributed to each loan applicant under this section shall be obtained no earlier than XXX days prior to the time when the list is provided to the loan applicant from either:(XXX he website maintained by the Bureau for lenders to use in complying with the requirements of this section; or(XXX ata made available by the Bureau or HUD for lenders to use in complying with the requirements of this section, provided that the data is used in XXXance with instructions provided with the data his calculation take into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §XXX(b) and as it relates to §XXX (list of homeownership counseling organizations provided not later than XXX business days after a loan Originator receives an application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:As not being open on SundayAs not being open on Labor Day (XXX/XXX/XXX LEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, ComplianceAnalyzer calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict lease note: This test does not validate the content of any list of homeownership counseling organizations. Documentation required to clear exception: Provide evidence that shows the disclosure was provided to the consumer within XXX-business days of application, XXX/XXX/XXX.
disclosure attached
02/06/2026
Lender provided evidence of receipt of the Homeownership Counseling Disclosure within XXX days of the application date. Condition cleared. ; Escalated to our compliance team for review.
02/10/2026
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 67.56% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 67.56% is less than Guideline LTV of 80%
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409052704
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
02/02/2026
Resolved
FCRE3606
Credit
HMDA Data Tape Not Provided
Loan is pending HMDA data review. Additional conditions may apply.
    
HMDA data received, no discrepancies noted, condition cleared. ; HMDA Data Tape Provided.
02/10/2026
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 67.56% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 67.56% is less than Guideline LTV of 80%
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409052704
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
02/06/2026
Resolved
finding-3536
Compliance
Initial Closing Disclosure Delivery Date and Changed Circumstances Date Test
This loan failed the initial closing disclosure delivery date and changed circumstances date test. (12 CFR §1026.19(e)(3)(iv)(A) - (C), (E), (F), and (D) as amended in XXX and 12 CFR §1026.19(e)(4)(i) he initial closing disclosure delivery date is either:Later than the third business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions) after the creditor receives information sufficient to establish that a changed circumstance has occurred; orBefore the creditor receives information sufficient to establish that a changed circumstance has occurred his calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §XXX(a)(XXX) and as it relates to §1026.19(e)(4)(i) (revised loan estimate disclosure) and §1026.19(e)(4)(ii) (relationship to closing disclosure) his test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:As not being open on Birthday of XXXXX Luther King, Jr. (XXX/XXX/XXX s not being open on SundayAs not being open on SaturdayPLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, ComplianceAnalyzer calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict f a creditor uses a revised estimate for the purpose of determining good faith for the zero tolerance and XXX% tolerance categories under §1026.19(e)(3)(i) and (ii), the creditor shall provide a revised version of the disclosures required under §1026.19(e)(1)(i) reflecting the revised estimate either:Within three business days of receiving information sufficient to establish that one of the reasons for revision provided under §1026.19(e)(3)(iv)(A) through (C), (E) and (F) applies; orNo later than three business days after the date the interest rate is locked, for revision provided under §1026.19(e)(3)(iv)(D). The revised version of the disclosures required under §1026.19(e)(1)(i) shall contain the revised interest rate, the points disclosed pursuant to §XXX(f)(XXX), lender credits, and any other interest rate dependent charges and terms fficial Interpretations12 C. §1026.19(e)(4)(ii elationship to disclosures required under §1026.19(f)(1)(i) evised disclosures may not be delivered at the same time as the Closing Disclosure. §1026.19(e)(4)(ii) prohibits a creditor from providing a revised version of the disclosures required under §1026.19(e)(1)(i) on or after the date on which the creditor provides the disclosures required under §1026.19(f)(1)(i).. owever, if a creditor uses a revised estimate pursuant to § XXX(e)(XXX)(iv) for the purpose of determining good faith under § XXX(e)(XXX)(i) and (ii), § XXX(e)(XXX)(i) permits the creditor to provide the revised estimate in the disclosures required under § XXX(f)(XXX)(i) (including any corrected disclosures provided under § XXX(f)(XXX)(i) or (ii)). This loan failed the initial closing disclosure delivery date and changed circumstances date test. (12 CFR §1026.19(e)(3)(iv)(A) - (C), (E), (F), and (D) as amended in XXX and 12 CFR §1026.19(e)(4)(i) he initial closing disclosure delivery date is either:Later than the third business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions) after the creditor receives information sufficient to establish that a changed circumstance has occurred; orBefore the creditor receives information sufficient to establish that a changed circumstance has occurred his calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §XXX(a)(XXX) and as it relates to §1026.19(e)(4)(i) (revised loan estimate disclosure) and §1026.19(e)(4)(ii) (relationship to closing disclosure) his test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:As not being open on Birthday of XXXXX Luther King, Jr. (XXX/XXX/XXX s not being open on SundayAs not being open on SaturdayPLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, ComplianceAnalyzer calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict f a creditor uses a revised estimate for the purpose of determining good faith for the zero tolerance and XXX% tolerance categories under §1026.19(e)(3)(i) and (ii), the creditor shall provide a revised version of the disclosures required under §1026.19(e)(1)(i) reflecting the revised estimate either:Within three business days of receiving information sufficient to establish that one of the reasons for revision provided under §1026.19(e)(3)(iv)(A) through (C), (E) and (F) applies; orNo later than three business days after the date the interest rate is locked, for revision provided under §1026.19(e)(3)(iv)(D). The revised version of the disclosures required under §1026.19(e)(1)(i) shall contain the revised interest rate, the points disclosed pursuant to §XXX(f)(XXX), lender credits, and any other interest rate dependent charges and terms fficial Interpretations12 C. §1026.19(e)(4)(ii elationship to disclosures required under §1026.19(f)(1)(i) evised disclosures may not be delivered at the same time as the Closing Disclosure. §1026.19(e)(4)(ii) prohibits a creditor from providing a revised version of the disclosures required under §1026.19(e)(1)(i) on or after the date on which the creditor provides the disclosures required under §1026.19(f)(1)(i).. owever, if a creditor uses a revised estimate pursuant to § XXX(e)(XXX)(iv) for the purpose of determining good faith under § XXX(e)(XXX)(i) and (ii), § XXX(e)(XXX)(i) permits the creditor to provide the revised estimate in the disclosures required under § XXX(f)(XXX)(i) (including any corrected disclosures provided under § XXX(f)(XXX)(i) or (ii)). Lender provided the COC LE's and CD's. Condition cleared. Lender provided the COC LE's and CD's. Condition cleared.
  
Lender provided the COC LE's and CD's. Condition cleared.
02/06/2026
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 67.56% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 67.56% is less than Guideline LTV of 80%
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409052704
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
02/06/2026
Resolved
finding-3625
Compliance
TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" Validation Test
This loan failed the TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" validation test his loan contains a fee or fees where "compensation to" is set to the lender or broker but this fee or fees should not be retained by the lender or broker."Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" should contain an itemization of each amount, and a subtotal of all such amounts, the consumer will pay for settlement services for which the consumer cannot shop in XXXance with Regulation Z and that are provided by persons other than the creditor or mortgage broker. This loan failed the TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" validation test his loan contains a fee or fees where "compensation to" is set to the lender or broker but this fee or fees should not be retained by the lender or broker."Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" should contain an itemization of each amount, and a subtotal of all such amounts, the consumer will pay for settlement services for which the consumer cannot shop in XXXance with Regulation Z and that are provided by persons other than the creditor or mortgage broker. Lender provided the COC LE's and CD's. Condition cleared. Lender provided the COC LE's and CD's. Condition cleared.
  
Lender provided the COC LE's and CD's. Condition cleared.
02/06/2026
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 67.56% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 67.56% is less than Guideline LTV of 80%
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409052704
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
01/30/2026
Resolved
finding-3635
Compliance
Charges That In Total Cannot Increase More Than XXX% Test
This loan failed the charges that in total cannot increase more than XXX% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance XXXing to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than XXX% XXX exceed the comparable charges XXX by more than XXX% Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures n estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than XXX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). TILA 130b Cure Required. Refund in the amount of $XXX: cure package requires a PCCD, LOE, Copy of Refund Check, and proof of delivery. The exception is tied to the missing Initial LE and Service Provider List issued within XXX business days of the application date of XXX/XXX/XXX, as the earliest available LE and SPL are dated XXX/XXX/XXX. Please provide the initial LE and Service provider list issued within XXX business days of the application date of XXX/XXX/XXX. Additional testing will be completed, once the documents are provided.
ATTACHED INITIAL LE AND SPL
02/06/2026
Lender provided the Initial LE and CD's. Condition cleared. ; Lender provided the Initial LE and CD's. Condition cleared.
02/06/2026
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 67.56% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 67.56% is less than Guideline LTV of 80%
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409052704
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
01/30/2026
Resolved
finding-3532
Compliance
Initial Closing Disclosure Delivery Date Test
This loan failed the initial closing disclosure delivery date test due to one of the following findings:(12 CFR §1026.19(f)(1)(ii) he initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"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 §1026.19(f)(1)(i) no later than three business days before consummation. Documentation required to clear exception: The initial CD is missing from the loan file. The earliest CD in the loan file was issued on XX/XX/XXXX and signed at consummation. The violation can be cured by providing the initial CD as well as evidence showing that is was received by the consumer XXX business days prior to consummation on XXX/XXX/XXX.
All missing initial CDs attached
02/06/2026
Lender provided the initial CD. Condition cleared. ; Lender provided the initial CD. Condition cleared.
02/06/2026
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 67.56% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 67.56% is less than Guideline LTV of 80%
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409052704
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
01/30/2026
Resolved
finding-3652
Compliance
Lender Credits That Cannot Decrease Test
This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i) he loan contains charges that exceed the good faith determination XXXing to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits XXX does not exceed or equal the comparable sum of specific and non-specific lender credits ($XXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure Required. Refund in the amount of $XXX: cure package requires a PCCD, LOE, Copy of Refund Check, and proof of delivery or a Valid COC. The tolerance violation in the amount of XXX is due to decrease from XXX to XXX for the Lender Credit. Because the loan failed the initial CD delivery date test due to missing Initial closing disclosure, any values that would be under a valid COC, if the disclosure had been provided, will not be considered valid for tolerance purposes. The violation may be cured if missing closing disclosure(s) are provided. Additional testing will be completed once the Initial CD is provided.
see attached
02/06/2026
Lender provided the COC for the decrease in lender credits and the Initial LE and CD's. Condition cleared.. Condition cleared. ; Lender provided the COC for the decrease in lender credits and the Initial LE and CD's. Condition cleared.. Condition cleared.
02/06/2026
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 67.56% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 67.56% is less than Guideline LTV of 80%
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409052704
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
01/30/2026
Resolved
finding-3515
Compliance
Initial Loan Estimate Delivery Date Test (from application)
This loan failed the initial loan estimate delivery date test (from application) due to one of the following: (12 CFR §1026.19(e)(1)(iii)(A) he initial loan estimate delivery date is later than the third business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions) after the creditor or broker receives the consumer's written application herefore, if additional disclosures are entered into ComplianceAnalyzer, any values that would change under a valid changed circumstance if the initial loan estimate had been delivered timely, will not reset the baseline for tolerance purposes. The comparable fees for this loan will be XXX regardless of the actual values on the disclosure his calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §XXX(a)(XXX) and as it relates to §1026.19(e)(1)(iii)(A) (initial loan estimate disclosure three business days after application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:As not being open on SundayAs not being open on Labor Day (XXX/XXX/XXX LEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, ComplianceAnalyzer calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict he creditor shall deliver or place in the mail the disclosures required under §1026.19(e)(1)(i) (provision of loan estimate form) not later than the third business day after the creditor receives the consumer's application. Documentation required to clear exception. The Initial Loan Estimate dated XX/XX/XXXX (per compliance report in file) is missing from the loan file. The earliest LE in the loan file was issued on XXX/XXX/XXX. The violation can be cured by providing the initial LE within XXX days of application date XXX/XXX/XXX.
Initial LE uploaded.
02/06/2026
Lender provided the Initial LE and CD's. Condition cleared. ; Lender provided the Initial LE and CD's. Condition cleared.
02/06/2026
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 67.56% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 67.56% is less than Guideline LTV of 80%
C
A
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A
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C
C
A
C
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A
409052755
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
02/16/2026
Resolved
FPRO9990
Property
Third Party Valuation Product Not Provided within XXX% Tolerance
Third Party Valuation Product Not Provided or Not Provided Within Tolerance.
CDA
02/20/2026
Third party valuation product provided within tolerance.
02/23/2026
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
C
A
C
A
C
A
C
A
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A
C
C
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A
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C
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A
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A
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A
409052755
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
02/16/2026
Resolved
FCRE3606
Credit
HMDA Data Tape Not Provided
Loan is pending HMDA data review. Additional conditions may apply.
    
HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided.
02/20/2026
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
C
A
C
A
C
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C
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A
C
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A
409052789
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/24/2026
Resolved
FCRE3606
Credit
HMDA Data Tape Not Provided
Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply.
    
HMDA received - no level XXX discrepancies - condition cleared; HMDA Data Tape Provided.
03/25/2026
Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
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A
C
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A
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C
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409052802
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/14/2026
Resolved
FVAL9739
Property
Property/Appraisal General
Property/Appraisal guideline violation: Missing the required Third Party Valuation product.
CDA
04/20/2026
Third party valuation provided within tolerance. Condition cleared.; Property/Appraisal Meets Guidelines
04/21/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
D
A
C
A
D
A
C
A
A
A
D
D
C
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D
C
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409052802
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/13/2026
Resolved
FCRE1316
Credit
Borrower 1 3rd Party VOE Prior to Close Missing
Borrower 1 3rd Party VOE Prior to Close Missing Missing verification of current primary job with Chartis within XXX days of closing.
Chartis VVOE
04/16/2026
Borrower 1 3rd Party VOE Prior to Close Was Provided.
04/17/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
D
A
D
A
D
A
C
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D
D
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C
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409052802
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/13/2026
Resolved
FCRE3606
Credit
HMDA Data Tape Not Provided
Loan is pending HMDA data review. Additional conditions may apply.
    
HMDA received - no level XXX discrepancies - condition cleared.; HMDA Data Tape Provided.
04/15/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
D
A
C
A
D
A
C
A
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D
D
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C
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409052882
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
02/25/2026
Resolved
FCRE3606
Credit
HMDA Data Tape Not Provided
Loan is pending HMDA data review. Additional conditions may apply.
    
HMDA review completed, no Level XXX findings noted, condition cleared.
03/04/2026
Borrower has stable job time - Borrower has XXX years on job.
C
A
C
A
C
A
A
A
A
A
C
C
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409052881
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/01/2026
Rescinded
FCOM4382
Compliance
TRID: Closing disclosure loan terms- Balloon Payment
Closing disclosure loan terms- Balloon Payment Indicator does not match Note
    
Rescinded as this is a XXX year fixed and not a balloon.
05/19/2026
  
C
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409052881
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
02/18/2026
Resolved
FCRE3606
Credit
HMDA Data Tape Not Provided
Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply.
    
HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided.
05/19/2026
Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
C
A
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C
A
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409052826
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/21/2026
Resolved
FCRE3606
Credit
HMDA Data Tape Not Provided
Loan is pending HMDA data review. Additional conditions may apply.
    
HMDA review completed, no Level XXX findings noted, condition cleared. ; HMDA Data Tape Provided.
04/27/2026
Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 66.87% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 66.87% is less than Guideline LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
C
A
C
A
C
A
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C
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409052735
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
02/17/2026
Resolved
FCRE3606
Credit
HMDA Data Tape Not Provided
Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply.
    
HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided.
03/03/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job.
C
A
C
A
C
A
A
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A
A
C
C
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C
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C
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409052735
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
02/17/2026
Resolved
FCRE5774
Credit
Borrower 1 Credit Report is Incomplete
Borrower 1 Credit Report is Partially Present. Missing HOA Statement for the subject property. Per Final 1003, the HOA dues are XXX monthly. Please provide supporting documentation.
Please see attached. ; XXX unit condo with walls in coverage | | Total premium is XXX divided by XXX = XXX / XXX = XXX | Since this is not a single XXX policy and is divided by our borrower and the other unit homeowner it should be shown as the HOA figure
02/26/2026
Borrower 1 Credit Report is not partially present.; Borrower 1 Credit Report is not partially present -> Received supporting documentation and DTI remains within program guidelines.; Provide documentation to support subject property, Unit XXX does is not obligated or required to pay HOA dues.
03/03/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job.
C
A
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A
C
A
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C
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409052690
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/18/2026
Resolved
FCRE3606
Credit
HMDA Data Tape Not Provided
Loan is pending HMDA data review. Additional conditions may apply.
    
HMDA received - no level XXX discrepancies - condition cleared; HMDA Data Tape Provided.
03/23/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 60% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 60% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years on job.
C
A
C
A
C
A
A
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C
C
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C
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409052875
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/02/2026
Resolved
FCRE3606
Credit
HMDA Data Tape Not Provided
Loan is pending HMDA data review. Additional conditions may apply.
    
HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided.
03/06/2026
Borrower has stable job time - Borrower has XXX years on job.
C
A
C
A
C
A
A
A
A
A
C
C
A
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409052729
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
02/12/2026
Resolved
FCRE3606
Credit
HMDA Data Tape Not Provided
Loan is pending HMDA data review. Additional conditions may apply.
    
HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided.
02/20/2026
Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 65.52% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 65.52% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
C
A
C
A
C
A
A
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C
C
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409052829
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/15/2026
Resolved
FCRE3606
Credit
HMDA Data Tape Not Provided
Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply.
    
HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided.
04/20/2026
Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Calculated DTI of XXX% is less than Guideline DTI of XXX%
C
A
C
A
C
A
A
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C
C
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409052749
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
02/26/2026
Resolved
FCRE3606
Credit
HMDA Data Tape Not Provided
Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply.
    
HMDA review completed, no Level XXX findings noted, condition cleared.
03/04/2026
Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
C
A
C
A
C
A
A
A
A
A
C
C
A
A
C
C
A
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C
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C
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409052749
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
02/26/2026
Resolved
FCRE5774
Credit
Borrower 1 Credit Report is Incomplete
Borrower 1 Credit Report is Partially Present. Missing property profile report reflecting the property at XXX XXX is owned free and clear.
Tract Search for free & clear
03/02/2026
Lender provided a property information report showing XXX XXX is owned free and clear. Condition cleared.
03/03/2026
Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
C
A
C
A
C
A
A
A
A
A
C
C
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409052740
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/10/2026
Resolved
FVAL9739
Property
Property/Appraisal General
Property/Appraisal guideline violation: Missing the required third party verification report. Please provide required third party verification report
CDA
03/17/2026
Lender provided CDA; condition cleared.
03/18/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job.
C
A
C
A
C
A
C
A
A
A
C
C
C
A
C
C
C
A
C
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A
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A
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C
A
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A
A
A
A
409052740
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/10/2026
Resolved
FCRE3606
Credit
HMDA Data Tape Not Provided
Loan is pending HMDA data review. Additional conditions may apply.
    
HMDA received - no level XXX discrepancies - condition cleared; HMDA Data Tape Provided.
03/11/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job.
C
A
C
A
C
A
C
A
A
A
C
C
C
A
C
C
C
A
C
C
C
A
C
C
C
A
C
C
C
A
A
A
A
A
A
A
A
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A
A
A
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A
A
A
A
A
A
A
A
409052752
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/11/2026
Resolved
FCRE3606
Credit
HMDA Data Tape Not Provided
Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply.
    
HMDA received - no level XXX discrepancies - condition cleared ; HMDA Data Tape Provided.
03/16/2026
Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
C
A
C
A
C
A
A
A
C
A
C
C
A
C
C
C
A
C
C
C
A
C
C
C
A
C
C
C
A
C
A
A
A
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A
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A
A
A
A
A
A
409052752
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/12/2026
Resolved
finding-3634
Compliance
Charges That Cannot Increase Test
TILA 130b Cure Required. Refund in the amount of XXX cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The XXX% tolerance violation is due to the increase of the Title - Closing Protection Letter Borrower Fee from XXX to XXX on the initial CD dated XX/XX/XXXX without a valid COC in file. CPL Fee is payable to the lenders affiliated title company and is subject to XXX% tolerance testing. Lender cure on the final CD for XXX was sufficient to cover the Appraisal Review Fee charged of $XXX. Please provide a valid COC or cure package. This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination XXXing to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i).
The initial LE disclosed a total of XXX for the CPL fee.
03/13/2026
Lender provided evidence the initial LE disclosed a total of XXX for the CPL fee. It was just broken out between XXX fees. Condition cleared. ; Lender provided evidence the initial LE disclosed a total of XXX for the CPL fee. It was just broken out between XXX fees. Condition cleared.; Lender provided evidence the initial LE disclosed a total of XXX for the CPL fee. It was just broken out between XXX fees. Condition cleared.
03/16/2026
Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
C
A
C
A
C
A
A
A
C
A
C
C
A
C
C
C
A
C
C
C
A
C
C
C
A
C
C
C
A
C
A
A
A
A
A
A
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A
A
A
A
A
A
A
409052752
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/11/2026
Resolved
finding-3367
Compliance
RESPA Homeownership Counseling Organizations Disclosure Date Test
This loan failed the homeownership counseling organizations disclosure date test due to the following findings: (12 CFR §1024.20(a) he loan has a homeownership counseling organizations disclosure date that is not within three business days of the loan Originator's application date (or the date creditor received application if loan Originator's application date is not provided); orThe homeownership counseling organizations disclosure date is after the closing date ot later than three business days after a lender, mortgage broker, or dealer receives an application, or information sufficient to complete an application, the lender must provide the loan applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. The list of homeownership counseling organizations distributed to each loan applicant under this section shall be obtained no earlier than XXX days prior to the time when the list is provided to the loan applicant from either:(XXX he website maintained by the Bureau for lenders to use in complying with the requirements of this section; or(XXX ata made available by the Bureau or HUD for lenders to use in complying with the requirements of this section, provided that the data is used in XXXance with instructions provided with the data his calculation take into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §XXX(b) and as it relates to §XXX (list of homeownership counseling organizations provided not later than XXX business days after a loan Originator receives an application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:As not being open on SundayAs not being open on SaturdayPLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, ComplianceAnalyzer calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict lease note: This test does not validate the content of any list of homeownership counseling organizations. Documentation required to clear exception: Provide homeownership counseling disclosure that was provided to the consumer within XXX-business days of application, XXX/XXX/XXX.
Home Counsel List
03/13/2026
Lender provided the Homeownership Counseling Org. Discl dated XXX/XXX/XXX. Condition cleared. ; Lender provided the Homeownership Counseling Org. Discl dated XXX/XXX/XXX. Condition cleared.; Lender provided the Homeownership Counseling Org. Discl dated XXX/XXX/XXX. Condition cleared.
03/16/2026
Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
C
A
B
A
C
A
A
A
C
A
C
C
A
C
C
C
A
C
C
C
A
C
C
C
A
C
C
C
A
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052761
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/03/2026
Resolved
FCRE3606
Credit
HMDA Data Tape Not Provided
Loan is pending HMDA data review. Additional conditions may apply.
    
HMDA received - no level XXX discrepancies - condition cleared; HMDA Data Tape Provided.
03/09/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 63.61% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 63.61% is less than Guideline LTV of 80%
C
A
C
A
C
A
A
A
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052759
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/12/2026
Resolved
FCRE1440
Credit
Housing History Does Not Meet Guideline Requirements
Housing History Does Not Meet Guideline Requirements Missing Housing History. Please provide VOM or credit supplement reflecting the payment history for the mortgage with XXX #XXX.
Please see attached
03/17/2026
Lender provided Housing History; condition cleared.
03/18/2026
Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
C
A
C
A
C
A
A
A
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052759
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/12/2026
Resolved
FCRE3606
Credit
HMDA Data Tape Not Provided
Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply.
    
HMDA received - no level XXX discrepancies - condition cleared; HMDA Data Tape Provided.
03/16/2026
Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
C
A
C
A
C
A
A
A
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
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C
C
A
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A
A
A
A
A
A
A
409052818
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/17/2026
Resolved
FCRE1347
Credit
Borrower 2 3rd Party VOE Prior to Close Missing
Borrower 2 3rd Party VOE Prior to Close Missing. The VOE employment status reflects not currently on payroll for Borrower 2. Please provide a VOE reflecting the Borrower 2 is actively XXX.
Attached; Attached
04/28/2026
Lender provided a corrected VVOE dated XX/XX/XXXX post close but prior to delivery. Condition cleared. ; Borrower 2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals XXX).; Lender provided the VVOE for XXX dated XX/XX/XXXX showing "not currently on payroll". The prior employer XXX shows active. The Final 1003 shows the current XXX XXX and prior XXX. Please provide a VVOE showing active. Condition retained.
04/29/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Calculated DTI of XXX% is less than Guideline DTI of XXX%
D
A
D
A
D
A
A
A
A
A
D
D
A
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D
D
A
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D
D
A
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D
D
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D
D
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A
A
A
A
A
A
A
409052818
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/17/2026
Resolved
FCRE5774
Credit
Borrower 1 Credit Report is Incomplete
Borrower 1 Credit Report is Partially Present. MISSING MORTGAGE Statement for the property at XXX XXX to verify taxes and XXX are escrowed in the monthly payment of XXX If taxes and XXX are not escrowed, please provide tax certificate and XXX policy. Missing HOA Statement for the property at XXX XXX. If not applicable, a LOE stating there are no HOA dues is required.
Attached
04/22/2026
Lender provided the mortgage Statement and evidence of no HOA for XXX XXX. Condition cleared. ; Borrower 1 Credit Report is not partially present.
04/23/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Calculated DTI of XXX% is less than Guideline DTI of XXX%
D
A
C
A
D
A
A
A
A
A
D
D
A
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D
D
A
A
D
D
A
A
D
D
A
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D
D
A
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A
A
A
A
A
A
A
409052818
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/17/2026
Resolved
FCRE3606
Credit
HMDA Data Tape Not Provided
Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply.
    
HMDA received - no level XXX discrepancies - condition cleared ; HMDA Data Tape Provided.
04/22/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Calculated DTI of XXX% is less than Guideline DTI of XXX%
D
A
C
A
D
A
A
A
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
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D
D
A
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A
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A
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A
A
A
A
A
A
A
409052763
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/02/2026
Resolved
FCRE3606
Credit
HMDA Data Tape Not Provided
Loan is pending HMDA data review. Additional conditions may apply.
    
HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided.
03/06/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job.
C
A
C
A
C
A
A
A
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052799
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/23/2026
Resolved
FCRE3606
Credit
HMDA Data Tape Not Provided
Loan is pending HMDA data review. Additional conditions may apply.
    
HMDA received - no level XXX discrepancies - condition cleared; HMDA Data Tape Provided.
04/29/2026
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job.
C
A
C
A
C
A
A
A
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052795
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/15/2026
Resolved
FCRE3606
Credit
HMDA Data Tape Not Provided
Loan is pending HMDA data review. Additional conditions may apply.
    
HMDA received - no level XXX discrepancies - condition cleared; HMDA Data Tape Provided.
04/20/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job.
C
A
C
A
C
A
A
A
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052825
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/23/2026
Resolved
FCRE1185
Credit
AUS Partially Provided
AUS Partially Provided. Lender to satisfy and explain # XXX on the DU approval: "The borrower and/or Lender indicated the property is subject to a lien that could take priority over the first lien mortgage and there is no value in the Pace Payoff Amount, This lien is only eligible for delivery if the subject mortgage being XXXd is owned and securitized by Fannie Mae and the borrower obtained Pace loan prior to July XXX
Revised AUS
04/30/2026
Lender provided the revised AUS. Condition cleared. ; AUS is not incomplete.
05/01/2026
Original LTV is Below the Guideline Maximum - Calculated LTV of 67.37% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 67.37% is less than Guideline CLTV of 80% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job.
D
A
D
A
D
A
A
A
C
A
D
D
A
C
D
D
A
C
D
D
A
C
D
D
A
C
D
D
A
C
A
A
A
A
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A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052825
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/23/2026
Resolved
finding-3532
Compliance
Initial Closing Disclosure Delivery Date Test
This loan failed the initial closing disclosure delivery date test due to one of the following findings:(12 CFR §1026.19(f)(1)(ii) he initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"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 §1026.19(f)(1)(i) no later than three business days before consummation. Documentation required to clear exception: The initial CD is missing from the loan file. The earliest CD in the file is dated XXX/XXX and signed at consummation. The violation can be cured by providing the initial CD as well as evidence showing that is was received by the consumer XXX business days prior to consummation on XXX/XXX/XXX.
Initial CD
04/27/2026
Received Initial CD - exception resolved; Received Initial CD - exception resolved
04/28/2026
Original LTV is Below the Guideline Maximum - Calculated LTV of 67.37% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 67.37% is less than Guideline CLTV of 80% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job.
D
A
C
A
D
A
A
A
C
A
D
D
A
C
D
D
A
C
D
D
A
C
D
D
A
C
D
D
A
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052825
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/23/2026
Resolved
FCRE3606
Credit
HMDA Data Tape Not Provided
Loan is pending HMDA data review. Additional conditions may apply.
    
HMDA received - no level XXX discrepancies - condition cleared; HMDA Data Tape Provided.
04/27/2026
Original LTV is Below the Guideline Maximum - Calculated LTV of 67.37% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 67.37% is less than Guideline CLTV of 80% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job.
D
A
C
A
D
A
A
A
C
A
D
D
A
C
D
D
A
C
D
D
A
C
D
D
A
C
D
D
A
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052736
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/20/2026
Resolved
FCRE5775
Credit
Borrower 2 Credit Report is Incomplete
Borrower 2 Credit Report is Partially Present. Credit supp to confirm account not on credit report but listed on Final 1003 for XXX/XXX. Shows balance/payment on Final 1003 of $XXX/XXX per month. In addition to above condition B2 Final 1003 question regarding co sign on a debt with a yes was not explained or documented. Lender to provide letter from borrower detailing the yes answer and backed up with docs. Additional conditions may apply.
see attached
04/01/2026
Lender provided a Statement for XXX/XXX. In regards to question regarding co signing debt, lender provided and LOE, checked in error. Condition cleared. ; Borrower 2 Credit Report is not partially present.
04/02/2026
Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 56.61% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 56.61% is less than Guideline LTV of 80%
D
A
C
A
D
A
A
A
C
A
D
D
A
C
D
D
A
C
D
D
A
C
D
D
A
C
D
D
A
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052736
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/25/2026
Resolved
FCRE1186
Credit
Audited DTI Exceeds AUS DTI
Audited DTI of XXX% exceeds AUS DTI of XXX%
    
Upon further review, and a revised AUS, XXXXXXXXive, XXX obligation was excluded per divorce decree. DTI of XXX% is within tolerance. Condition cleared. ; Audited DTI of XXX% is less than or equal to AUS DTI of XXX%
03/30/2026
Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 56.61% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 56.61% is less than Guideline LTV of 80%
D
A
C
A
D
A
A
A
C
A
D
D
A
C
D
D
A
C
D
D
A
C
D
D
A
C
D
D
A
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052736
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/20/2026
Resolved
FCRE1193
Credit
Audited DTI Exceeds Guideline DTI
Audited DTI of XXX% exceeds Guideline DTI of XXX% DU approved at XXX% but XXX Overlays Maximum is XXX%
DTI revision / UW LOX
03/27/2026
Upon further review, and a revised AUS, XXXXXXXXive, XXX obligation was excluded per divorce decree. DTI of XXX% is within tolerance. Condition cleared. ; Audited DTI of XXX% is less than or equal to Guideline DTI of XXX%; Audited DTI of XXX% exceeds Guideline DTI of XXX%
03/30/2026
Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 56.61% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 56.61% is less than Guideline LTV of 80%
D
A
C
A
D
A
A
A
C
A
D
D
A
C
D
D
A
C
D
D
A
C
D
D
A
C
D
D
A
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052736
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/20/2026
Resolved
FCRE3606
Credit
HMDA Data Tape Not Provided
Loan is pending HMDA data review. Additional conditions may apply.
    
HMDA received - no level XXX discrepancies - condition cleared; HMDA Data Tape Provided.
03/25/2026
Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 56.61% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 56.61% is less than Guideline LTV of 80%
D
A
C
A
D
A
A
A
C
A
D
D
A
C
D
D
A
C
D
D
A
C
D
D
A
C
D
D
A
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052736
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/20/2026
Resolved
FCRE7497
Credit
Missing verification of taxes, XXX, and/or HOA fees for non-subject property
Missing sufficient proof of HOA's or letter from borrower stating NO HOA for the properties at XXXXXXXX and XXX XXX. Additional conditions may apply.
HOA Docs
03/24/2026
Lender provided the HOA for the properties at XXXXXXXX and XXX XXX. (See DTI condition XXX%). Condition cleared.
03/25/2026
Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 56.61% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 56.61% is less than Guideline LTV of 80%
D
A
D
A
D
A
A
A
C
A
D
D
A
C
D
D
A
C
D
D
A
C
D
D
A
C
D
D
A
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052736
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/20/2026
Resolved
FCOM8896
Compliance
Final CD: Loan Disclosures Assumption incomplete or inaccurate
XXX Overlays don't allow assumptions. Final CD has will allow checked. Lender to provide updated Final CD with correction.
PCCD
03/24/2026
Lender provided a PCCD showing assumption not allowed. Condition cleared.
03/25/2026
Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 56.61% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 56.61% is less than Guideline LTV of 80%
D
A
C
A
D
A
A
A
C
A
D
D
A
C
D
D
A
C
D
D
A
C
D
D
A
C
D
D
A
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052736
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/25/2026
Rescinded
finding-3634
Compliance
Charges That Cannot Increase Test
This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination XXXing to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination XXXing to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). Lender provided a PCCD to clear assumption Lender provided a PCCD to clear assumption
    
03/25/2026
  
D
A
C
A
D
A
A
A
C
A
D
D
A
C
D
D
A
C
D
D
A
C
D
D
A
C
D
D
A
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052757
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/10/2026
Resolved
FCRE3606
Credit
HMDA Data Tape Not Provided
Loan is pending HMDA data review. Additional conditions may apply.
    
HMDA received - no level XXX discrepancies - condition cleared ; HMDA Data Tape Provided.
03/16/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job.
C
A
C
A
C
A
A
A
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052834
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/16/2026
Resolved
FCRE3606
Credit
HMDA Data Tape Not Provided
Loan is pending HMDA data review. Additional conditions may apply.
    
HMDA received - no level XXX discrepancies - condition cleared ; HMDA Data Tape Provided.
04/20/2026
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
C
A
C
A
C
A
A
A
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052765
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/26/2026
Resolved
finding-3367
Compliance
RESPA Homeownership Counseling Organizations Disclosure Date Test
This loan failed the homeownership counseling organizations disclosure date test due to the following findings: (12 CFR §1024.20(a) he loan has a homeownership counseling organizations disclosure date that is not within three business days of the loan Originator's application date (or the date creditor received application if loan Originator's application date is not provided); orThe homeownership counseling organizations disclosure date is after the closing date ot later than three business days after a lender, mortgage broker, or dealer receives an application, or information sufficient to complete an application, the lender must provide the loan applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. The list of homeownership counseling organizations distributed to each loan applicant under this section shall be obtained no earlier than XXX days prior to the time when the list is provided to the loan applicant from either:(XXX he website maintained by the Bureau for lenders to use in complying with the requirements of this section; or(XXX ata made available by the Bureau or HUD for lenders to use in complying with the requirements of this section, provided that the data is used in XXXance with instructions provided with the data his calculation take into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §XXX(b) and as it relates to §XXX (list of homeownership counseling organizations provided not later than XXX business days after a loan Originator receives an application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:As not being open on SundayAs not being open on SaturdayPLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, ComplianceAnalyzer calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict lease note: This test does not validate the content of any list of homeownership counseling organizations. Documentation required to clear exception:  Provide homeownership counseling disclosure that was provided to the consumer within XXX-business days of application date of XXX/XXX/XXX.
See attached.; initial LE
03/31/2026
HOC dated within XXX days of the application date provided; exception resolved; Material; HOC dated within XXX days of the application date was not provided
04/02/2026
Original LTV is Below the Guideline Maximum - Calculated LTV of 69.96% is less than Guideline LTV of 80% Calculated LTV of 69.96% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 69.96% is less than Guideline CLTV of 80% Calculated CLTV of 69.96% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job.
D
A
B
A
C
A
C
A
D
A
D
C
C
D
D
C
C
D
D
C
C
D
D
C
C
D
D
C
C
D
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052765
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/26/2026
Resolved
FVAL9739
Property
Property/Appraisal General
Property/Appraisal guideline violation: Missing CDA. Please provide CDA.
CDA
04/01/2026
Lender provided the CDA within tolerance. Condition cleared. ; Property/Appraisal Meets Guidelines
04/02/2026
Original LTV is Below the Guideline Maximum - Calculated LTV of 69.96% is less than Guideline LTV of 80% Calculated LTV of 69.96% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 69.96% is less than Guideline CLTV of 80% Calculated CLTV of 69.96% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job.
D
A
C
A
C
A
C
A
D
A
D
C
C
D
D
C
C
D
D
C
C
D
D
C
C
D
D
C
C
D
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052765
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/25/2026
Resolved
finding-3634
Compliance
Charges That Cannot Increase Test
This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination XXXing to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i).
initial LE
03/30/2026
Initial LE provided; exception resolved; Initial LE provided; exception resolved; TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and proof of delivery. The exception is tied to the missing Initial LE issued within XXX business days of the application date of XX/XX/XXXX as the earliest available LE is dated XXX/XXX/XXX. Please provide the initial LE issued within XXX business days of the application date of XXX/XXX/XXX. Additional testing will be completed once the initial LE is provided. Also provide the written list of service providers issued with initial LE.
03/31/2026
Original LTV is Below the Guideline Maximum - Calculated LTV of 69.96% is less than Guideline LTV of 80% Calculated LTV of 69.96% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 69.96% is less than Guideline CLTV of 80% Calculated CLTV of 69.96% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job.
D
A
C
A
C
A
C
A
D
A
D
C
C
D
D
C
C
D
D
C
C
D
D
C
C
D
D
C
C
D
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052765
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/25/2026
Resolved
finding-3635
Compliance
Charges That In Total Cannot Increase More Than XXX% Test
This loan failed the charges that in total cannot increase more than XXX% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance XXXing to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than XXX% XXX exceed the comparable charges XXX by more than XXX% Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures n estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than XXX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi).
initial LE
03/30/2026
Initial LE provided; exception resolved; Initial LE provided; exception resolved; TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and proof of delivery. The exception is tied to the missing Initial LE issued within XXX business days of the application date of XX/XX/XXXX as the earliest available LE is dated XXX/XXX/XXX. Please provide the initial LE issued within XXX business days of the application date of XXX/XXX/XXX. Additional testing will be completed once the initial LE is provided. Also provide the written list of service providers issued with initial LE.
03/31/2026
Original LTV is Below the Guideline Maximum - Calculated LTV of 69.96% is less than Guideline LTV of 80% Calculated LTV of 69.96% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 69.96% is less than Guideline CLTV of 80% Calculated CLTV of 69.96% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job.
D
A
C
A
C
A
C
A
D
A
D
C
C
D
D
C
C
D
D
C
C
D
D
C
C
D
D
C
C
D
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052765
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/26/2026
Resolved
finding-3515
Compliance
Initial Loan Estimate Delivery Date Test (from application)
This loan failed the initial loan estimate delivery date test (from application) due to one of the following: (12 CFR §1026.19(e)(1)(iii)(A) he initial loan estimate delivery date is later than the third business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions) after the creditor or broker receives the consumer's written application herefore, if additional disclosures are entered into ComplianceAnalyzer, any values that would change under a valid changed circumstance if the initial loan estimate had been delivered timely, will not reset the baseline for tolerance purposes. The comparable fees for this loan will be XXX regardless of the actual values on the disclosure his calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §XXX(a)(XXX) and as it relates to §1026.19(e)(1)(iii)(A) (initial loan estimate disclosure three business days after application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:As not being open on SundayAs not being open on SaturdayPLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, ComplianceAnalyzer calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict he creditor shall deliver or place in the mail the disclosures required under §1026.19(e)(1)(i) (provision of loan estimate form) not later than the third business day after the creditor receives the consumer's application. Documentation required to clear exception. The Initial Loan Estimate dated XX/XX/XXXX (per compliance report in file) is missing from the loan file. The earliest LE in the loan file was issued on XXX/XXX/XXX. The violation can be cured by providing the initial LE within XXX days of application date of XXX/XXX/XXX.
initial LE
03/30/2026
Initial LE provided; exception resolved; Initial LE provided; exception resolved
03/31/2026
Original LTV is Below the Guideline Maximum - Calculated LTV of 69.96% is less than Guideline LTV of 80% Calculated LTV of 69.96% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 69.96% is less than Guideline CLTV of 80% Calculated CLTV of 69.96% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job.
D
A
C
A
C
A
C
A
D
A
D
C
C
D
D
C
C
D
D
C
C
D
D
C
C
D
D
C
C
D
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052765
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/25/2026
Resolved
FCOM1544
Compliance
TRID: Missing Closing Disclosure
TRID: Missing Final Closing Disclosure Documentation required to clear exception:  Final CD signed at closing was not provided in the file for testing. Mavent report indicates last closing disclosure was issued XXX/XXX/XXX. Provide CD dated XXX/XXX/XXX. File contains CDs dated XX/XX/XXXX and XXX/XXX/XXX.
Final CD dated XX/XX/XXXX with updated Mavent Report
03/30/2026
TRID: Final Closing Disclosure Provided
03/31/2026
Original LTV is Below the Guideline Maximum - Calculated LTV of 69.96% is less than Guideline LTV of 80% Calculated LTV of 69.96% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 69.96% is less than Guideline CLTV of 80% Calculated CLTV of 69.96% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job.
D
A
D
A
C
A
C
A
D
A
D
C
C
D
D
C
C
D
D
C
C
D
D
C
C
D
D
C
C
D
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052765
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/26/2026
Resolved
FCRE3606
Credit
HMDA Data Tape Not Provided
Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply.
    
HMDA received - no level XXX discrepancies - condition cleared; HMDA Data Tape Provided.
03/30/2026
Original LTV is Below the Guideline Maximum - Calculated LTV of 69.96% is less than Guideline LTV of 80% Calculated LTV of 69.96% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 69.96% is less than Guideline CLTV of 80% Calculated CLTV of 69.96% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job.
D
A
C
A
C
A
C
A
D
A
D
C
C
D
D
C
C
D
D
C
C
D
D
C
C
D
D
C
C
D
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052855
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/23/2026
Resolved
FCRE3606
Credit
HMDA Data Tape Not Provided
Loan is pending HMDA data review. Additional conditions may apply.
    
HMDA received - no level XXX discrepancies - condition cleared; HMDA Data Tape Provided.
04/29/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
C
A
C
A
C
A
A
A
A
A
C
C
A
A
C
C
A
A
C
C
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C
C
A
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C
C
A
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A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052847
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/28/2026
Resolved
FCRE3606
Credit
HMDA Data Tape Not Provided
Loan is pending HMDA data review. Additional conditions may apply.
    
HMDA received - no level XXX discrepancies - condition cleared ; HMDA Data Tape Provided.
05/04/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 64.21% is less than Guideline CLTV of 80% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 64.21% is less than Guideline LTV of 80%
C
A
C
A
C
A
A
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C
C
A
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C
C
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C
C
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C
C
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C
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A
A
A
A
A
A
409052797
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/02/2026
Resolved
FCRE3604
Credit
HMDA Discrepancy(s) Noted
The following HMDA Discrepancy(s) have been noted:
ULI
04/06/2026
Lender provided the ULI. Condition cleared. ; Lender provided the ULI. Condition cleared. ; HMDA Discrepancy Noted: The following HMDA Discrepancy(s) have been noted: Audit ULI - missing in loan file. Please provide Universal Loan Identifier (ULI).; Lender provided the ULI. Condition cleared. ; HMDA Discrepancy Noted: The following HMDA Discrepancy(s) have been noted: Audit ULI - missing in loan file. Please provide Universal Loan Identifier (ULI).
04/07/2026
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
C
A
B
A
C
A
A
A
A
A
C
C
A
A
C
C
A
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C
C
A
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C
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C
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409052797
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/26/2026
Resolved
FCRE3606
Credit
HMDA Data Tape Not Provided
Loan is pending HMDA data review. Additional conditions may apply.
    
HMDA Complete - Other finding added.; HMDA Data Tape Provided.
04/07/2026
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
C
A
C
A
C
A
A
A
A
A
C
C
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C
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A
A
409052868
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/29/2026
Resolved
FCRE3606
Credit
HMDA Data Tape Not Provided
Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply.
    
HMDA received - no level XXX discrepancies - condition cleared ; HMDA Data Tape Provided.
05/04/2026
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
C
A
C
A
C
A
A
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C
C
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C
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A
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A
A
A
A
A
A
409052872
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/20/2026
Resolved
FCRE3606
Credit
HMDA Data Tape Not Provided
Loan is pending HMDA data review. Additional conditions may apply.
    
HMDA received - no level XXX discrepancies - condition cleared; HMDA Data Tape Provided.
03/25/2026
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
C
A
C
A
C
A
A
A
C
A
C
C
A
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C
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A
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C
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A
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A
C
A
A
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A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052872
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/20/2026
Resolved
FCRE1148
Credit
Title Coverage is Less than Subject Lien
Title Coverage Amount of XXX is Less than Total Amount of Subject Lien XXX Lender to provide updated title with loan amt of XXX
Updated Commitment for insured amount
03/24/2026
Lender provided the title update/supplement showing sufficient coverage. Condition cleared. ; Title Coverage Amount of XXX is equal to or greater than Total Amount of Subject Lien XXX
03/25/2026
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
C
A
B
A
C
A
A
A
C
A
C
C
A
C
C
C
A
C
C
C
A
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C
C
A
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A
C
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A
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A
A
A
A
409052872
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/20/2026
Resolved
finding-3634
Compliance
Charges That Cannot Increase Test
This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination XXXing to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130 Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of refund check and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of XXX is due to the addition of the XXX CDA fee on the CD dated XX/XX/XXXX without valid COC and the addition of the lock extension fee of XXX on the CD dated XX/XX/XXXX without valid COC.
CD and COC for Lock Extension | CD and COC for CDA
03/24/2026
Valid COC provided; exception resolved; Valid COC provided; exception resolved; This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination XXXing to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i).
03/24/2026
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
C
A
C
A
C
A
A
A
C
A
C
C
A
C
C
C
A
C
C
C
A
C
C
C
A
C
C
C
A
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052872
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/20/2026
Resolved
FCOM3849
Compliance
Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR  1002.14(a)(1))
The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). Documentation required to clear exception: Evidence confirming a copy of the appraisal was provided to the consumer at least XXX business days prior to the consummation date is required but missing from the file. If borrower waived the XXX day timing requirement, provide an executed appraisal waiver and evidence the appraisal was received the day of close.
Appraisal delivery disclosure tracking
03/24/2026
Evidence of appraisal delivery provided.
03/24/2026
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
C
A
B
A
C
A
A
A
C
A
C
C
A
C
C
C
A
C
C
C
A
C
C
C
A
C
C
C
A
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052656
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
01/23/2026
Resolved
FCRE1173
Credit
HO6 Master Insurance Policy is Missing
Missing HO-6 Master XXX Policy Missing master XXX policy for Condo Association.
Document Uploaded. Master XXX policy
02/04/2026
HO-6 Master XXX Policy is fully present; master HOI
02/10/2026
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
D
A
D
A
D
A
A
A
D
A
D
D
A
D
D
D
A
D
D
D
A
D
D
D
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D
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D
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A
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A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052656
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
01/07/2026
Resolved
FCRE1186
Credit
Audited DTI Exceeds AUS DTI
Audited DTI of XXX% exceeds AUS DTI of XXX% AUS Income reflects XXX and the income calculator and Audited income are XXX - provide corrected AUS with income of XXX
Document Uploaded. updated AUS
01/12/2026
Audited DTI of XXX% is less than or equal to AUS DTI of XXX%; Audited DTI of XXX% is less than or equal to AUS DTI of XXX%; DU submission XXX provided
01/30/2026
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
D
A
C
A
D
A
A
A
D
A
D
D
A
D
D
D
A
D
D
D
A
D
D
D
A
D
D
D
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D
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A
A
A
A
A
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A
409052656
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
01/12/2026
Rescinded
finding-3634
Compliance
Charges That Cannot Increase Test
This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination XXXing to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination XXXing to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination XXXing to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). Lender response: "The final CD does show a cure of XXX listed as lender credit. please read cd page XXX where it States XXX credit was given for an increase in closing costs above legal limit" Lender response: "The final CD does show a cure of XXX listed as lender credit. please read cd page XXX where it States XXX credit was given for an increase in closing costs above legal limit" Lender response: "The final CD does show a cure of XXX listed as lender credit. please read cd page XXX where it States XXX credit was given for an increase in closing costs above legal limit" Lender response: "The final CD does show a cure of XXX listed as lender credit. please read cd page XXX where it States XXX credit was given for an increase in closing costs above legal limit" Lender response: "The final CD does show a cure of XXX listed as lender credit. please read cd page XXX where it States XXX credit was given for an increase in closing costs above legal limit" Cure provided on final CD; exception resolved Cure provided on final CD; exception resolved Cure provided on final CD; exception resolved This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination XXXing to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination XXXing to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i).
  
TILA 130b Cure Required. Refund in the amount of XXX cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of XXX is due to the addition of a collateral desktop fee without a valid COC
01/21/2026
  
D
A
C
A
D
A
A
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D
A
D
D
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D
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D
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A
A
A
A
A
A
A
409052656
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
01/12/2026
Resolved
finding-3635
Compliance
Charges That In Total Cannot Increase More Than XXX% Test
This loan failed the charges that in total cannot increase more than XXX% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance XXXing to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than XXX% XXX exceed the comparable charges XXX by more than XXX% Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures n estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than XXX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). This loan failed the charges that in total cannot increase more than XXX% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance XXXing to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than XXX% XXX exceed the comparable charges XXX by more than XXX% Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures n estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than XXX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). Document Uploaded. Uploaded LOE/response from seller, along with CD and invoice Document Uploaded. Uploaded LOE/response from seller, along with CD and invoice Document Uploaded. Uploaded LOE/response from seller, along with CD and invoice PCCD correcting payees and confirmation the borrower shopped for title XXX; exception resolved PCCD correcting payees and confirmation the borrower shopped for title XXX; exception resolved
  
TILA 130b Cure Required. Refund in the amount of XXX cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The XXX% tolerance violation in the amount of XXX is due to the Initial LE did not contain Title XXX, receipt of an invoice is not a valid reason for addition of title fees.
01/21/2026
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
D
A
C
A
D
A
A
A
D
A
D
D
A
D
D
D
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D
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D
D
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D
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A
A
A
A
A
A
A
409052656
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
01/06/2026
Resolved
FCRE1481
Credit
Asset 3 Does Not Meet Guideline Requirements
Asset Record XXX Does Not Meet G/L Requirements The AUS requires assets to be documented with two months Statements. The borrower provided XXX Checking #XXXatement dated XX/XX/XXXX to XX/XX/XXXX with assets of $XXX. These assets were listed on the Final 1003.
Document Uploaded. Bank Statement
01/14/2026
Asset Record XXX Meets G/L Requirements Or Not Applicable; Client provided XXX Account #XXXatement for XX/XX/XXXX to XXX/XXX/XXX. Cleared.
01/15/2026
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
D
A
C
A
D
A
A
A
D
A
D
D
A
D
D
D
A
D
D
D
A
D
D
D
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D
D
D
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D
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A
A
A
A
A
A
A
409052656
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
01/12/2026
Resolved
finding-3532
Compliance
Initial Closing Disclosure Delivery Date Test
File is missing copy of Initial CD and it date of receipt File is missing copy of Initial CD and it date of receipt This loan failed the initial closing disclosure delivery date test due to one of the following findings:(12 CFR §1026.19(f)(1)(ii) he initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"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 §1026.19(f)(1)(i) no later than three business days before consummation. This loan failed the initial closing disclosure delivery date test due to one of the following findings:(12 CFR §1026.19(f)(1)(ii) he initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"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 §1026.19(f)(1)(i) no later than three business days before consummation. Document Uploaded. Executed Initial CD uploaded Document Uploaded. Executed Initial CD uploaded Document Uploaded. Executed Initial CD uploaded Initial CD provided; exception resolved Initial CD provided; exception resolved
  
Initial CD provided; exception resolved
01/14/2026
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
D
A
C
A
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A
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A
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409052656
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
01/07/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational Only; XXX acknowledges exception; Informational Only
01/13/2026
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
D
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409052656
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
01/06/2026
Resolved
FCOM1221
Credit
The Deed of Trust is Incomplete
The Deed of Trust is Incomplete The loan file is missing a fully executed Deed of Trust.
Document Uploaded. Deed of trust uploaded
01/12/2026
The Deed of Trust is Present and Complete; Fully executed DOT provided
01/13/2026
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
D
A
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409052656
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
01/05/2026
Resolved
FCOM1252
Compliance
TRID: Missing Loan Estimate
Missing initial LE and any other LE's. Providing evidence that the borrowers received the initial LE within XXX business days of application, XXX/XXX/XXX, may cure the violation.
Please see uploaded LE
01/12/2026
LE provided, exception resolved
01/12/2026
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
D
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409052656
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
01/06/2026
Resolved
FCOM1797
Compliance
Missing Service Provider List
Service providers list is missing from the file
Please see uploaded Service Provider list
01/12/2026
SSPL provided; exception resolved
01/12/2026
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
D
A
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409052656
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
01/05/2026
Resolved
FCOM1266
Compliance
Homeownership Counseling Disclosure Is Missing
Homeownership Counseling Disclosure Is Missing Please provide Homeownership Counseling Disclosure within XXX business days of application date, XXX/XXX/XXX.
Document Uploaded. Homeowners Counseling disclosure uploaded
01/12/2026
Homeownership Counseling Disclosure Is Present or Not Applicable
01/12/2026
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
D
A
B
A
D
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409052656
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
01/06/2026
Resolved
FCOM3608
Compliance
Intent to Proceed is Missing
The intent to proceed is missing. Intent to proceed is missing from the file
Please see uploaded Intent to proceed
01/12/2026
Proof of Intent to Proceed has been provided.
01/12/2026
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
D
A
B
A
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409052880
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
01/13/2026
Resolved
FCRE1437
Credit
Income and Employment Do Not Meet Guidelines
Income and Employment Do Not Meet Guidelines The Business Search in file is not dated. Please provide a dated Business Search dated no more than XXX calendar days prior to the note date of XXX/XXX/XXX.
Business Look up
01/28/2026
Lender provided a Business Search dated no more than XXX calendar days prior to the note date of XXX/XXX/XXX. Condition cleared. ; Income and Employment Meet Guidelines
01/30/2026
Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 60% is less than Guideline LTV of 75% Calculated LTV of 60% is less than Guideline LTV of 75% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 60% is less than Guideline CLTV of 75% Calculated CLTV of 60% is less than Guideline CLTV of 75%
C
A
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409052880
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
01/13/2026
Resolved
FCRE1148
Credit
Title Coverage is Less than Subject Lien
Title Coverage Amount of XXX is Less than Total Amount of Subject Lien XXX Title Coverage Amount of XXX is Less than Total Amount of Subject Lien XXX
Title
01/28/2026
Lender provided the title update/supplement showing sufficient coverage. Condition cleared. ; Title Coverage Amount of XXX is equal to or greater than Total Amount of Subject Lien XXX
01/30/2026
Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 60% is less than Guideline LTV of 75% Calculated LTV of 60% is less than Guideline LTV of 75% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 60% is less than Guideline CLTV of 75% Calculated CLTV of 60% is less than Guideline CLTV of 75%
C
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B
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409052880
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
01/13/2026
Resolved
FCOM1852
Compliance
Incorrect rescission model used - RTC form model H-XXX used for XXX not with Original Lender or Lender Affiliate
Incorrect rescission model used - RTC form model H9 (Same Creditor) used for XXX not with Original Lender or Lender Affiliate Documentation required to clear exception: Incorrect Right to Cancel form was used. Right to cancel form H-XXX (Same Lender) form was used and should have been H-XXX (New Lender) form. In order to cure rescission needs to be re-opened with correct form and a PCCD, LOE, and proof of delivery is required.
Right to Cancel
01/28/2026
Correct RTC form has been provided
01/28/2026
Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 60% is less than Guideline LTV of 75% Calculated LTV of 60% is less than Guideline LTV of 75% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 60% is less than Guideline CLTV of 75% Calculated CLTV of 60% is less than Guideline CLTV of 75%
C
A
B
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409052665
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
01/16/2026
Resolved
FCOM1252
Compliance
TRID: Missing Loan Estimate
Documentation required to clear exception. The Loan Estimate dated XX/XX/XXXX (per esign process summary page XXX in file) is missing from the loan file. Please provide to complete further review and possible exception to resolve.
LE and Audit Log
01/26/2026
Lender provided the Loan Estimate dated XXX/XXX/XXX. No additional conditions noted. Condition cleared.
01/28/2026
Borrower has stable job time - Borrower has XXX years on job.
D
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409052711
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
01/28/2026
Resolved
FCRE5774
Credit
Borrower 1 Credit Report is Incomplete
Borrower 1 Credit Report is Partially Present. The mortgage Statement for the property at XXX XXXates escrow but does not indicate what items are escrowed. Please provide taxes and XXX documentation or verification that taxes and XXX are escrowed. Missing HOA Statement for the property at XXX XXX. If not applicable, a LOE stating there are no HOA dues is required.
The total monthly amount for both city & county taxes is $XXX. The monthly escrow amount on the mortgage Statement is $XXX. Therefore, both Taxes & XXX are escrowed. See online printout showing no HOA dues on XXX XXX.; The total monthly amount for both city & county taxes is $XXX. The monthly escrow amount on the mortgage Statement is $XXX. Therefore, both Taxes & XXX are escrowed. See online printout showing no HOA dues on XXX XXX.
01/30/2026
Lender provided the total monthly amount for both city & county taxes is XXX and an online printout showing no HOA dues on XXX XXX (SFR). Condition cleared. ; Borrower 1 Credit Report is not partially present.; Borrower 1 Credit Report is Partially Present. The mortgage Statement for the property at XXX XXXates escrow but does not indicate what items are escrowed. Please provide taxes and XXX documentation or verification that taxes and XXX are escrowed. Missing HOA Statement for the property at XXX XXX. If not applicable, a LOE stating there are no HOA dues is required.
02/02/2026
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Calculated DTI of XXX% is less than Guideline DTI of XXX% Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job. Borrower has XXX years on job.
C
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409052744
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
01/30/2026
Resolved
finding-3532
Compliance
Initial Closing Disclosure Delivery Date Test
Documentation required to clear exception: Proof of delivery/receipt of Initial CD at least XXX business days prior to consummation date of XXX/XXX/XXX. The earliest CD in the loan file was issued on XXX/XXX/XXX, and consummation date was also XXX/XXX/XXX. This loan failed the initial closing disclosure delivery date test due to one of the following findings:(12 CFR §1026.19(f)(1)(ii) he initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"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 §1026.19(f)(1)(i) no later than three business days before consummation.
Initial CD
02/11/2026
Lender provided the Initial CD and evidence of delivery. Condition cleared. ; Lender provided the Initial CD and evidence of delivery. Condition cleared.
02/12/2026
Original CLTV is Below the Guideline Maximum - Calculated CLTV of 63.86% is less than Guideline CLTV of 80% Calculated CLTV of 63.86% is less than Guideline CLTV of 80% Calculated CLTV of 63.86% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 63.86% is less than Guideline LTV of 80% Calculated LTV of 63.86% is less than Guideline LTV of 80% Calculated LTV of 63.86% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job. Borrower has XXX years on job.
C
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409052682
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
02/26/2026
Resolved
FCRE5774
Credit
Borrower 1 Credit Report is Incomplete
Borrower 1 Credit Report is Partially Present. The mortgage Statement for the property at XXX XXX SE States escrow but does not indicate what items are escrowed. Please provide taxes and XXX documentation or verification that taxes and XXX are escrowed.
Credit Report
03/09/2026
Upon further review, the file contains a mortgage Statement showing escrows of XXX and a fraud report reflects XXX a month which is less, therefore tax and XXX are escrowed. Condition cleared. ; Borrower 1 Credit Report is not partially present.
03/10/2026
Original LTV is Below the Guideline Maximum - Calculated LTV of 65% is less than Guideline LTV of 80% Calculated LTV of 65% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 65% is less than Guideline CLTV of 80% Calculated CLTV of 65% is less than Guideline CLTV of 80%
C
A
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409052693
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/06/2026
Resolved
FCRE1148
Credit
Title Coverage is Less than Subject Lien
Title Coverage Amount of XXX is Less than Total Amount of Subject Lien XXX Title Coverage Amount of XXX is Less than Total Amount of Subject Lien XXX
this is a duplicated condition, please waive; updated title
03/11/2026
Lender provided the title update/supplement showing sufficient coverage. Condition cleared. ; Title Coverage Amount of XXX is equal to or greater than Total Amount of Subject Lien XXX
03/12/2026
Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job.
B
A
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409052660
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/06/2026
Resolved
finding-3634
Compliance
Charges That Cannot Increase Test
This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination XXXing to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of XXX is due to increase from XXX to $XXX for the Loan Discount Fee on the final CD dated XXX/XXX/XXX. COC in file dated XX/XX/XXXX for the fee increase is outside of the timing requirements. Please provide a valid COC, revised CD dated within XXX days of the COC in file or cure package.
Closing Disclosure and COC
03/12/2026
Lender provided a valid COC and revised CD dated XXX/XXX/XXX. Rate lock extended XXX days. Escrows are now waived per borrower request. Discount charged to the borrower increased to XXX% ($XXX). Condition cleared. ; Lender provided a valid COC and revised CD dated XXX/XXX/XXX. Rate lock extended XXX days. Escrows are now waived per borrower request. Discount charged to the borrower increased to XXX% ($XXX). Condition cleared.; Lender provided a valid COC and revised CD dated XXX/XXX/XXX. Rate lock extended XXX days. Escrows are now waived per borrower request. Discount charged to the borrower increased to XXX% ($XXX). Condition cleared.
03/13/2026
Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 63.72% is less than Guideline CLTV of 80% Calculated CLTV of 63.72% is less than Guideline CLTV of 75% | Original LTV is Below the Guideline Maximum - Calculated LTV of 63.72% is less than Guideline LTV of 80% Calculated LTV of 63.72% is less than Guideline LTV of 75%
C
A
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409052698
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/02/2026
Resolved
FCRE5774
Credit
Borrower 1 Credit Report is Incomplete
Borrower 1 Credit Report is Partially Present. The mortgage Statement for the property at XXX XXXates escrow but does not indicate what items are escrowed. Please provide taxes and XXX documentation or verification that taxes and XXX are escrowed.
Credit Report
03/09/2026
Upon further review, the file contains a mortgage Statement showing escrows fraud report reflects XXX a month which is less, therefore tax and XXX are escrowed. Condition cleared. ; Borrower 1 Credit Report is not partially present.
03/10/2026
Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 67.9% is less than Guideline CLTV of 80% Calculated CLTV of 67.9% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 67.9% is less than Guideline LTV of 80% Calculated LTV of 67.9% is less than Guideline LTV of 80%
C
A
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409052717
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
02/20/2026
Resolved
FCRE5774
Credit
Borrower 1 Credit Report is Incomplete
Borrower 1 Credit Report is Partially Present. Missing property profile report reflecting the property at XXX XXX is owned free and clear.
see attached.; see attached
02/27/2026
Lender provided evidence the property at XXX XXX is owned free and clear. Condition cleared.; Lender provided the Credit report. File was missing property profile report reflecting the property at XXX XXX is owned free and clear. Condition retained.
03/03/2026
Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
D
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C
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B
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D
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B
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A
409052717
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
02/20/2026
Resolved
FPRO9990
Property
Third Party Valuation Product Not Provided within XXX% Tolerance
Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Missing CDA. Please provide CDA.
see attached
02/27/2026
Third party valuation product provided within tolerance.
03/03/2026
Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
D
A
C
A
D
A
C
A
B
A
D
D
C
B
D
D
C
B
D
D
C
B
D
D
C
B
D
D
C
B
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052717
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
02/20/2026
Resolved
FCRE1316
Credit
Borrower 1 3rd Party VOE Prior to Close Missing
Borrower 1 3rd Party VOE Prior to Close Missing Missing VOB for the borrower's business, "XXXXX XXX." Note: XXX year business tax return was used for income. Please provide verification that the business has been in business for over XXX years.
Returns show incorporated since XXX; see attached
02/26/2026
Borrower 1 3rd Party VOE Prior to Close Was Provided; Lender provided the XXX for XXXXX XXX. stating it it open and active as of XXX/XXX/XXX. Please provide verification that the business has been in business for over XXX years. Condition retained.
02/27/2026
Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
D
A
D
A
D
A
C
A
B
A
D
D
C
B
D
D
C
B
D
D
C
B
D
D
C
B
D
D
C
B
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052717
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
02/20/2026
Resolved
FPRO0951
Property
Condo Approval Missing
Condo Approval Missing. Missing Condo Approval.
see attached
02/24/2026
Condo Approval is provided. Condition cleared.
02/24/2026
Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
D
A
B
A
D
A
C
A
B
A
D
D
C
B
D
D
C
B
D
D
C
B
D
D
C
B
D
D
C
B
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052717
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
02/20/2026
Resolved
FCRE1201
Credit
Third Party Fraud Report not Provided
Missing Third Party Fraud Report.
see attached
02/24/2026
Third Party Fraud Report is provided
02/24/2026
Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
D
A
D
A
D
A
C
A
B
A
D
D
C
B
D
D
C
B
D
D
C
B
D
D
C
B
D
D
C
B
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052717
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
02/20/2026
Resolved
FCOM5135
Compliance
Missing Required Affiliated Business Disclosure
Required Affiliated Business Disclosure Missing Document Required : Affiliated Business Disclosure Missing
see attached
02/24/2026
Required Affiliated Business Disclosure Documentation Provided. Condition cleared.
02/24/2026
Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
D
A
B
A
D
A
C
A
B
A
D
D
C
B
D
D
C
B
D
D
C
B
D
D
C
B
D
D
C
B
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052718
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
02/20/2026
Resolved
FCOM5135
Compliance
Missing Required Affiliated Business Disclosure
Required Affiliated Business Disclosure Missing Document Required : Affiliated Business Disclosure Missing
Affiliated Business Disclosure; Affiliated Business Disclosure
02/26/2026
Required Affiliated Business Disclosure Documentation Provided Lender provided ABA disclosure. Condition cleared; The FACTS document is only acceptable to use in lieu of the Affiliated Business Arrangement Disclosure when it indicates that there are no affiliates. Please provide the Affiliated Business Disclosure. Condition retained. ; Required Affiliated Business Disclosure Missing
02/27/2026
Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
C
A
B
A
C
A
A
A
B
A
C
C
A
B
C
C
A
B
C
C
A
B
C
C
A
B
C
C
A
B
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052718
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
02/20/2026
Resolved
FCOM3849
Compliance
Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR  1002.14(a)(1))
The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). Document Required: Missing Proof of Appraisal Delivery. The document in file indicates that the borrower either received or chose to waive the right to receive the appraisal at least XXX days prior to consummation but does not confirm the borrower received the appraisal at or prior to consummation since they chose to waive the XXX days right to receive the appraisal. Since the document doesn't indicate which option the borrower is signing to acknowledge, provide documentation to show the date the borrower received the appraisal to confirm it was received by the borrower timely
Proof of Appraisal Delivery
02/23/2026
Evidence of appraisal delivery provided. Condition cleared.
02/27/2026
Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
C
A
B
A
C
A
A
A
B
A
C
C
A
B
C
C
A
B
C
C
A
B
C
C
A
B
C
C
A
B
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052718
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
02/20/2026
Resolved
FCRE5774
Credit
Borrower 1 Credit Report is Incomplete
Borrower 1 Credit Report is Partially Present. The mortgage Statement for the property at XXXates escrow but does not indicate what items are escrowed. Please provide taxes and XXX documentation or verification that taxes and XXX are escrowed. Missing HOA Statement for the property at XXX. If not applicable, a LOE stating there are no HOA dues is required. Per Final 1003, the co-borrower owns the property at XXX. Please provide supporting documentation for excluding housing expense for the property at XXX.
Borrower does not own XXX property. | | XXX  - there is no HOA as per online search and property is SFR hence documents are not required see (Sitex also shows no HOA) | | As per mortgage Statement we can verify both taxes and XXX are escrowed as we can verify from tax cert, taxes amount is less so XXX amount must be escrowed.
02/24/2026
Lender provided documentation, the Borrower does not own XXX property. XXX - there is no HOA as per online search and property is SFR for XXX. (Sitex provided also shows no HOA). As per mortgage Statement we can verify both taxes and XXX are escrowed with the tax certification. Condition cleared. ; Borrower 1 Credit Report is not partially present.
02/25/2026
Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
C
A
C
A
C
A
A
A
B
A
C
C
A
B
C
C
A
B
C
C
A
B
C
C
A
B
C
C
A
B
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052726
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/02/2026
Resolved
finding-3532
Compliance
Initial Closing Disclosure Delivery Date Test
Documentation Required. Missing Initial Closing Disclosure from the loan file. The earliest CD in the file was issued XX/XX/XXXX and signed at consummation. The violation can be cure by providing initial CD as well as evidence showing that it was received by the consumer XXX business days prior to consummation on XXX/XXX/XXX. This loan failed the initial closing disclosure delivery date test due to one of the following findings:(12 CFR §1026.19(f)(1)(ii) he initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"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 §1026.19(f)(1)(i) no later than three business days before consummation.
Initial CD
03/19/2026
Lender provided the initial CD dated XXX/XXX/XXX. Condition cleared. ; Lender provided the initial CD dated XXX/XXX/XXX. Condition cleared.; Lender provided the initial CD dated XXX/XXX/XXX. Condition cleared.
03/20/2026
Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 80% Calculated LTV of 70% is less than Guideline LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 80% Calculated CLTV of 70% is less than Guideline CLTV of 80%
C
A
C
A
A
A
A
A
C
A
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052745
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/04/2026
Resolved
FPRO9990
Property
Third Party Valuation Product Not Provided within XXX% Tolerance
Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Missing CDA. Please provide CDA for the appraisal dated XX/XX/XXXX reflecting the property value as XXX
Please see CDA attached; We have XXX appraisals here and the appraisal was sent and received by the borrower on XXX/XXX. Is a CDA still required?
03/23/2026
Lender provided the CDA within tolerance. Condition cleared. ; Third party valuation product provided within tolerance.
03/24/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job.
C
A
C
A
A
A
C
A
A
A
C
A
C
A
C
A
C
A
C
A
C
A
C
A
C
A
C
A
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052879
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/01/2026
Resolved
FCRE1146
Credit
Title Document is Partially Present
Title Document is incomplete or only partially present. Title Commitment, Sch B, Part II States an incorrect year of XXX for the execution date of XX/XX/XXXX and filing date of XX/XX/XXXX of the Deed into the B1/B2 name. Missing Title Commitment Supplement to correct the discrepancy.
Revised Title Commitment
04/08/2026
Lender provided the Title Commitment, Sch B, Part II stating the correct year and execution date. Condition cleared.
04/08/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
D
A
D
A
D
A
A
A
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052886
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/25/2026
Resolved
finding-3634
Compliance
Charges That Cannot Increase Test
TILA 130b Cure required, refund in the amount of XXX with PCCD, LOE, Copy of Refund Check and Proof of delivery or a valid COC. The zero tolerance violation in the amount of XXX is due to the addition of the Desk Review fee on the CD dated XX/XX/XXXX without a valid COC in file. Please provide a valid COC for the fee addition or cure package. This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination XXXing to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i).
A cure not required as the loan was a confirming loan till March 10th and changed to Non Confirming on 10th. ICD with desk review fee was disclosed on 11th which is within XXX days
04/13/2026
valid COC provided, exception resolved; valid COC provided, exception resolved
04/13/2026
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job.
C
A
C
A
A
A
A
A
C
A
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052849
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/28/2026
Resolved
FCRE7497
Credit
Missing verification of taxes, XXX, and/or HOA fees for non-subject property
Missing Verification of taxes for the former primary residence which is being retained. Additional conditions may apply.
tax info
04/29/2026
Lender provided the property profile for XXX Cold Canyon Ct. Condition cleared.
04/30/2026
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
D
A
D
A
D
A
A
A
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052849
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/28/2026
Resolved
FCOM3075
Credit
Missing US Patriot Act Disclosure or ID
Missing US Patriot Act Disclosure or ID. Missing Patriot Act disclosure to include ID as no ID in file either.
patriot act and id's
04/29/2026
US Patriot Act Disclosure and ID provided. Condition cleared.; Material
04/30/2026
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
D
A
B
A
D
A
A
A
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052849
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/28/2026
Resolved
FCRE3606
Credit
HMDA Data Tape Not Provided
Loan is pending HMDA data review. Additional conditions may apply.
    
HMDA Data Tape Provided.; HMDA review completed, no Level XXX findings noted, condition cleared.
04/30/2026
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
D
A
C
A
D
A
A
A
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052816
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/24/2026
Resolved
FCOM1232
Credit
The Final 1003 is Missing
The Final 1003 is Missing. Missing Final 1003 for B1 and B2 dated XX/XX/XXXX at closing. Initial 1003 only for B1 and B2 dated XX/XX/XXXX at time of application.
URLA and Cert of Completion
05/06/2026
Documentation is sufficient. Final 1003 provided. Exception resolved.; The Final 1003 is Present
05/07/2026
Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
D
A
D
A
D
A
A
A
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052816
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/24/2026
Resolved
FCRE1347
Credit
Borrower 2 3rd Party VOE Prior to Close Missing
Borrower 2 3rd Party VOE Prior to Close Missing. Missing the actual TWN Statement used to verify B2 employment as evidence on the AUS.
VOE B2
04/30/2026
Documentation is sufficient. WVOE provided. Exception resolved.; Borrower 2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals XXX).
05/01/2026
Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
D
A
D
A
D
A
A
A
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052816
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/24/2026
Resolved
FCRE3606
Credit
HMDA Data Tape Not Provided
Loan is pending HMDA data review. Additional conditions may apply.
    
HMDA review completed, no Level XXX findings noted, condition cleared. ; HMDA Data Tape Provided.
04/29/2026
Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
D
A
C
A
D
A
A
A
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052850
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/07/2026
Resolved
FCRE3606
Credit
HMDA Data Tape Not Provided
Loan is pending HMDA data review. Additional conditions may apply.
    
HMDA received - no level XXX discrepancies - condition cleared ; HMDA Data Tape Provided.
04/13/2026
Original CLTV is Below the Guideline Maximum - Calculated CLTV of 67.86% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 67.86% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
C
A
C
A
C
A
A
A
C
A
C
C
A
C
C
C
A
C
C
C
A
C
C
C
A
C
C
C
A
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052850
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/07/2026
Resolved
finding-3634
Compliance
Charges That Cannot Increase Test
This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination XXXing to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130 Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, and Copy of Refund Check, or Valid COC. The zero tolerance violation in the amount of XXX is due to increase from XXX to XXX for the Mortgage Certification Fee added on the CD dated XX/XX/XXXX without a Valid COC. Please also confirm why this was placed in section E under Recording fees.
Please see rebuttal for Recording Fee
04/10/2026
Clarification on recording fee received - exception resolved; Clarification on recording fee received - exception resolved
04/10/2026
Original CLTV is Below the Guideline Maximum - Calculated CLTV of 67.86% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 67.86% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
C
A
C
A
C
A
A
A
C
A
C
C
A
C
C
C
A
C
C
C
A
C
C
C
A
C
C
C
A
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052663
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
02/16/2026
Resolved
FCOM3849
Compliance
Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR  1002.14(a)(1))
The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). Documentation required to clear exception: Missing evidence confirming copies of all appraisals were provided to the consumer at least XXX-business days prior to the consummation date.
Proof of both Appraisals sent to the Borrower
02/20/2026
Condition resolved as we have received evidence of appraisal delivery. ; Evidence of appraisal delivery provided.; Material
02/23/2026
Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Calculated DTI of XXX% is less than Guideline DTI of XXX%
C
A
B
A
C
A
A
A
B
A
C
C
A
B
C
C
A
B
C
C
A
B
C
C
A
B
C
C
A
B
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052663
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
02/17/2026
Resolved
FCRE1148
Credit
Title Coverage is Less than Subject Lien
Title Coverage Amount of XXX is Less than Total Amount of Subject Lien XXX Title Coverage Amount of XXX is Less than Total Amount of Subject Lien XXX
Title Policy
02/20/2026
Cleared as we have received the updated title report. ; Title Coverage Amount of XXX is equal to or greater than Total Amount of Subject Lien $XXX; Material
02/23/2026
Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Calculated DTI of XXX% is less than Guideline DTI of XXX%
C
A
B
A
C
A
A
A
B
A
C
C
A
B
C
C
A
B
C
C
A
B
C
C
A
B
C
C
A
B
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052663
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
02/17/2026
Resolved
FCRE3606
Credit
HMDA Data Tape Not Provided
Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply.
    
HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided.
02/23/2026
Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Calculated DTI of XXX% is less than Guideline DTI of XXX%
C
A
C
A
C
A
A
A
B
A
C
C
A
B
C
C
A
B
C
C
A
B
C
C
A
B
C
C
A
B
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052814
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/24/2026
Resolved
FCRE5774
Credit
Borrower 1 Credit Report is Incomplete
Borrower 1 Credit Report is Partially Present. Per final CD, "XXX XXX" of XXX was included in the PITI of the subject property, however there are no supporting documents. Please provide supporting documentation.
wind policy XXX / XXX = XXX
03/25/2026
Lender provided documentation of the wind policy XXX / XXX = XXX. Condition cleared. ; Borrower 1 Credit Report is not partially present.
03/26/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 62.22% is less than Guideline CLTV of 80% Calculated CLTV of 62.22% is less than Guideline CLTV of 80% | Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 62.22% is less than Guideline LTV of 80% Calculated LTV of 62.22% is less than Guideline LTV of 80%
C
A
C
A
C
A
A
A
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052814
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/24/2026
Resolved
FCRE3606
Credit
HMDA Data Tape Not Provided
Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply.
    
HMDA received - no level XXX discrepancies - condition cleared; HMDA Data Tape Provided.
03/25/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 62.22% is less than Guideline CLTV of 80% Calculated CLTV of 62.22% is less than Guideline CLTV of 80% | Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 62.22% is less than Guideline LTV of 80% Calculated LTV of 62.22% is less than Guideline LTV of 80%
C
A
C
A
C
A
A
A
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052784
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/17/2026
Resolved
FCRE0377
Credit
The Total Hazard Coverage is LESS than the Required Coverage Amount
The hazard XXX dwelling coverage of XXX is insufficient, not meeting the required coverage amount of ($XXX). Lender to provide updated hazard XXX for the XXX of XXX
Correct HOI policy
03/24/2026
Lender provided the updated hazard XXX policy showing sufficient coverage. Condition cleared. ; The Total Hazard Coverage is greater than or equal to the Required Coverage Amount
03/25/2026
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
C
A
C
A
C
A
A
A
C
A
C
C
A
C
C
C
A
C
C
C
A
C
C
C
A
C
C
C
A
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052784
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/17/2026
Resolved
finding-3532
Compliance
Initial Closing Disclosure Delivery Date Test
This loan failed the initial closing disclosure delivery date test due to one of the following findings:(12 CFR §1026.19(f)(1)(ii) he initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"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 §1026.19(f)(1)(i) no later than three business days before consummation. Documentation required to clear exception: The initial CD is missing from the loan file. The earliest CD in the file is dated XX/XX/XXXX and signed at consummation. The violation can be cured by providing the initial CD as well as evidence showing that is was received by the consumer XXX business days prior to consummation on XXX/XXX/XXX.
ICD and Disclosure Tracking w/ COC
03/24/2026
Initial CD received - exception resolved; Initial CD received - exception resolved
03/24/2026
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
C
A
C
A
C
A
A
A
C
A
C
C
A
C
C
C
A
C
C
C
A
C
C
C
A
C
C
C
A
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052784
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/17/2026
Resolved
finding-3634
Compliance
Charges That Cannot Increase Test
This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination XXXing to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). Documentation required to clear exception: The initial CD is missing from the loan file. The earliest CD in the file is dated XX/XX/XXXX and signed at consummation. The charges that cannot increase violation can be cured by providing the initial CD as a valid COC was found in file.
Disclosure tracking ICD and COC
03/24/2026
Initial CD and valid COC received - exception resolved; Initial CD and valid COC received - exception resolved
03/24/2026
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
C
A
C
A
C
A
A
A
C
A
C
C
A
C
C
C
A
C
C
C
A
C
C
C
A
C
C
C
A
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052784
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/17/2026
Resolved
FCRE3606
Credit
HMDA Data Tape Not Provided
Loan is pending HMDA data review. Additional conditions may apply.
    
HMDA received - no level XXX discrepancies - condition cleared; HMDA Data Tape Provided.
03/23/2026
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
C
A
C
A
C
A
A
A
C
A
C
C
A
C
C
C
A
C
C
C
A
C
C
C
A
C
C
C
A
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052730
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
02/25/2026
Resolved
FCRE3606
Credit
HMDA Data Tape Not Provided
Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply.
    
HMDA Data Tape Provided. HMDA Data Tape Provided. HMDA review completed, no Level XXX findings noted; condition cleared.
03/04/2026
Original LTV is Below the Guideline Maximum - Calculated LTV of 66.54% is less than Guideline LTV of 80% Calculated LTV of 66.54% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 66.54% is less than Guideline CLTV of 80% Calculated CLTV of 66.54% is less than Guideline CLTV of 80% | Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
C
A
C
A
C
A
A
A
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052830
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/15/2026
Resolved
FCRE3606
Credit
HMDA Data Tape Not Provided
Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply.
    
HMDA received - no level XXX discrepancies - condition cleared ; HMDA Data Tape Provided.
04/20/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job.
C
A
C
A
C
A
A
A
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052830
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/15/2026
Resolved
FCRE5774
Credit
Borrower 1 Credit Report is Incomplete
Borrower 1 Credit Report is Partially Present. MISSING MORTGAGE Statement for the property at XXX XXX to verify that the taxes and XXX are escrowed in the mortgage payment of XXX If taxes and XXX are not escrowed, please provide XXX policy and tax certificate. Missing HOA Statement for the property at XXX XXX. If not applicable, a LOE stating there are no HOA dues is required.
REO XXX XXX
04/17/2026
Lender provided the mortgage Statement for the property at XXX XXX to verifying that the taxes and XXX are escrowed. Condition cleared. ; Borrower 1 Credit Report is not partially present.
04/20/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job.
C
A
C
A
C
A
A
A
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052830
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/15/2026
Resolved
FCRE1253
Credit
Missing Property Tax Cert
Missing Property Tax Certificate for the subject property. Missing Property Tax Certificate for the subject property.
tax cert
04/17/2026
Lender provided the tax Cert. for the subject property. Condition cleared. ; Property Tax Cert Provided
04/20/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job.
C
A
C
A
C
A
A
A
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052769
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
02/11/2026
Resolved
FCRE3606
Credit
HMDA Data Tape Not Provided
Loan is pending HMDA data review. Additional conditions may apply.
    
HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided.
02/18/2026
Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 69.47% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 69.47% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
C
A
C
A
C
A
A
A
B
A
C
C
A
B
C
C
A
B
C
C
A
B
C
C
A
B
C
C
A
B
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052769
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
02/11/2026
Resolved
FCOM5135
Compliance
Missing Required Affiliated Business Disclosure
Required Affiliated Business Disclosure Missing Documentation required to clear exception: Please provide proof that the Affiliated Business Disclosure was provided prior to closing or provide confirmation that the lender has no affiliates.
Please see attached
02/12/2026
Lender provided an attestation of no Affiliates. Condition cleared.
02/18/2026
Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 69.47% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 69.47% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
C
A
B
A
C
A
A
A
B
A
C
C
A
B
C
C
A
B
C
C
A
B
C
C
A
B
C
C
A
B
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052769
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
02/11/2026
Resolved
FCOM9186
Compliance
eSigned Documents Consent is Missing
The eSigned consent disclosure is missing. Documentation required. First e-signed document in the file is dated XXX/XXX/XXX; however, missing proof of e-consent dated XX/XX/XXXX or before.
E-Consent
02/12/2026
Evidence of eConsent provided by lender. Condition cleared. ; Evidence of eConsent is provided.
02/18/2026
Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 69.47% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 69.47% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
C
A
B
A
C
A
A
A
B
A
C
C
A
B
C
C
A
B
C
C
A
B
C
C
A
B
C
C
A
B
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052823
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/25/2026
Resolved
FCRE3606
Credit
HMDA Data Tape Not Provided
Loan is pending HMDA data review. Additional conditions may apply.
    
HMDA received - no level XXX discrepancies - condition cleared; HMDA Data Tape Provided.
03/30/2026
Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
C
A
C
A
C
A
A
A
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052862
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/07/2026
Resolved
FCOM3849
Compliance
Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR  1002.14(a)(1))
The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). Documentation required to clear exception: Evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date is required, but missing from the file. If borrower waived the XXX day timing requirement, provide an executed appraisal waiver and evidence the appraisal was received the day of close.
See attached Acknowledgment of Receipt of Appraisal Dated XXX XXX dated XX/XX/XXXX by borrower's; Appraisal Receipt Ack
04/23/2026
Evidence of appraisal delivery provided.; The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). The document in file indicates that the borrower either received or chose to waive the right to receive the appraisal at least XXX days prior to consummation but does not confirm the borrower received the appraisal at or prior to consummation since they chose to waive the XXX days right to receive the appraisal. Since the document doesn't indicate which option the borrower is signing to acknowledge, provide documentation to show the date the borrower received the appraisal to confirm it was received by the borrower timely; Material
04/24/2026
Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
C
A
B
A
C
A
A
A
B
A
C
C
A
B
C
C
A
B
C
C
A
B
C
C
A
B
C
C
A
B
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052862
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/07/2026
Resolved
FCOM5135
Compliance
Missing Required Affiliated Business Disclosure
Required Affiliated Business Disclosure Missing. Documentation required to clear exception: Please provide proof that the Affiliated Business Disclosure was provided prior to closing or provide confirmation that the lender has no affiliates.
Affiliated Business Disc
04/17/2026
Required Affiliated Business Disclosure Documentation Provided.; Material
04/24/2026
Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
C
A
B
A
C
A
A
A
B
A
C
C
A
B
C
C
A
B
C
C
A
B
C
C
A
B
C
C
A
B
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052862
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/07/2026
Resolved
FCRE3606
Credit
HMDA Data Tape Not Provided
Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply.
    
HMDA received - no level XXX discrepancies - condition cleared; HMDA Data Tape Provided.
04/13/2026
Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
C
A
C
A
C
A
A
A
B
A
C
C
A
B
C
C
A
B
C
C
A
B
C
C
A
B
C
C
A
B
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052843
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/26/2026
Resolved
finding-3635
Compliance
Charges That In Total Cannot Increase More Than XXX% Test
This loan failed the charges that in total cannot increase more than XXX% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance XXXing to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than XXX% XXX exceed the comparable charges XXX by more than XXX% Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures n estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than XXX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). TILA 130b Cure Required. Refund in the amount of XXX cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The XXX% tolerance violation in the amount of XXX is due to increase from XXX to XXX endorsement, XXX to XXX notary. The fees listed in section C were not tested as borrowers provider because Fidelity National Title is listed on the SSPL. There is a XXX reimbursement amount listed on the final CD XXX/XXX. XXX was applied to the credit report fee and XXX was applied to the notary fee. Final Charges That In Total Cannot Increase More Than XXX% Total XXX = endorsement XXX title XXX notary fee XXX recording service XXX closing XXX and recording XXX Comparable Charges That In Total Cannot Increase More Than XXX% Total XXX = XXX title XXX, XXX recording service, XXX settlement and XXX recording. Tolerance variance amount for charges that in total cannot increase more than XXX% XXX
See attached
04/13/2026
Lender provided attestation that the borrowers choose the title provider and not the provider listed on the SSPL. Exception resolved.; Lender provided attestation that the borrowers choose the title provider and not the provider listed on the SSPL. Exception resolved.
04/13/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job.
C
A
C
A
C
A
A
A
C
A
C
C
A
C
C
C
A
C
C
C
A
C
C
C
A
C
C
C
A
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052843
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/26/2026
Resolved
FCRE3606
Credit
HMDA Data Tape Not Provided
Loan is pending HMDA data review. Additional conditions may apply.
    
HMDA received - no level XXX discrepancies - condition cleared; HMDA Data Tape Provided.
03/30/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job.
C
A
C
A
C
A
A
A
C
A
C
C
A
C
C
C
A
C
C
C
A
C
C
C
A
C
C
C
A
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052831
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/20/2026
Resolved
FCRE3606
Credit
HMDA Data Tape Not Provided
Loan is pending HMDA data review. Additional conditions may apply.
    
HMDA received - no level XXX discrepancies - condition cleared; HMDA Data Tape Provided.
03/25/2026
Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
C
A
C
A
C
A
A
A
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052837
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/08/2026
Resolved
FCRE0377
Credit
The Total Hazard Coverage is LESS than the Required Coverage Amount
The hazard XXX dwelling coverage of XXX is insufficient, not meeting the required coverage amount of ($XXX). The hazard XXX dwelling coverage of XXX is insufficient, not meeting the required coverage amount of XXX
Property XXX replacement cost estimator attached
04/14/2026
Lender provided the replacement cost estimator showing sufficient coverage. Condition cleared. ; The Total Hazard Coverage is greater than or equal to the Required Coverage Amount
04/15/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job.
C
A
C
A
C
A
A
A
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052837
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/07/2026
Resolved
FCRE3606
Credit
HMDA Data Tape Not Provided
Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply.
    
HMDA received - no level XXX discrepancies - condition cleared; HMDA Data Tape Provided.
04/13/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job.
C
A
C
A
C
A
A
A
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052824
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/20/2026
Resolved
FCRE5774
Credit
Borrower 1 Credit Report is Incomplete
Borrower 1 Credit Report is Partially Present. The mortgage Statement for the property at XXX XXX XXX States escrow but does not indicate what items are escrowed. Please provide taxes and XXX documentation or verification that taxes and XXX are escrowed.
Please see attached
03/30/2026
Lender provided the tax documentation for XXX XXX XXX verifying escrows. Condition cleared. ; Borrower 1 Credit Report is not partially present.
03/31/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job.
C
A
C
A
C
A
A
A
B
A
C
C
A
B
C
C
A
B
C
C
A
B
C
C
A
B
C
C
A
B
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052824
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/20/2026
Resolved
FCOM5135
Compliance
Missing Required Affiliated Business Disclosure
Required Affiliated Business Disclosure Missing Documentation required to clear exception: Please provide proof that the Affiliated Business Disclosure was provided prior to closing or provide confirmation that the lender has no affiliates.
Please see attached
03/30/2026
Required Affiliated Business Disclosure Documentation Provided; Material
03/31/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job.
C
A
B
A
C
A
A
A
B
A
C
C
A
B
C
C
A
B
C
C
A
B
C
C
A
B
C
C
A
B
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052824
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/20/2026
Resolved
FCRE3606
Credit
HMDA Data Tape Not Provided
Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply.
    
HMDA received - no level XXX discrepancies - condition cleared; HMDA Data Tape Provided.
03/25/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job.
C
A
C
A
C
A
A
A
B
A
C
C
A
B
C
C
A
B
C
C
A
B
C
C
A
B
C
C
A
B
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052861
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/17/2026
Cured
finding-3634
Compliance
Charges That Cannot Increase Test
This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination XXXing to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure Required.  Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of XXX is due to the increase of the survey fee from XXX to XXX on the CD dated XX/XX/XXXX without valid COC. COC dated XX/XX/XXXX does not provide enough information to consider COC valid.
Check and tracking; Please see attached. A copy of the check will take XX/XX/XXXX days per client. Will you please review attached and mark as acceptable and still subject to copy of check and proof of delivery
05/01/2026
Cure package provided to the borrower; exception downgraded to a 2/B; Will downgraded upon receipt of the copy of the check and proof of delivery
05/04/2026
Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
C
B
C
B
C
A
A
A
C
B
C
C
A
C
C
C
A
C
C
C
A
C
C
C
A
C
C
C
A
C
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
409052861
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/16/2026
Resolved
FCOM3849
Compliance
Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR  1002.14(a)(1))
The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). Documentation required to clear exception: Evidence confirming a copy of the appraisal was provided to the consumer at least 3business days prior to the consummation date is required but missing from the file. Executed appraisal waiver in file.
See attached appraisal waiver and borrower receipt and tracking; See attached
04/23/2026
Evidence of appraisal delivery provided.; The document provided indicates that the borrower either received or chose to waive the right to receive the appraisal at least XXX days prior to consummation but does not confirm the borrower received the appraisal at or prior to consummation if they chose to waive the XXX days right to receive the appraisal. Provide documentation to show the date the borrower received the appraisal to confirm it was received by the borrower timely
04/24/2026
Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
C
B
B
A
C
A
A
A
C
B
C
C
A
C
C
C
A
C
C
C
A
C
C
C
A
C
C
C
A
C
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
409052861
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/15/2026
Resolved
FCRE3606
Credit
HMDA Data Tape Not Provided
Loan is pending HMDA data review. Additional conditions may apply.
    
HMDA received - no level XXX discrepancies - condition cleared; HMDA Data Tape Provided.
04/20/2026
Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
C
B
C
A
C
A
A
A
C
B
C
C
A
C
C
C
A
C
C
C
A
C
C
C
A
C
C
C
A
C
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
409052867
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/14/2026
Resolved
FCRE3606
Credit
HMDA Data Tape Not Provided
Loan is pending HMDA data review. Additional conditions may apply.
    
HMDA received - no level XXX discrepancies - condition cleared; HMDA Data Tape Provided.
04/20/2026
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
C
A
C
A
C
A
A
A
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052854
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/23/2026
Resolved
FCOM9186
Compliance
eSigned Documents Consent is Missing
The eSigned consent disclosure is missing. Documentation required. 1st e-signed document in the file is dated XXX/XXX/XXX, however missing proof of e-consent dated XX/XX/XXXX or before.
attached
04/27/2026
Evidence of eConsent is provided.
04/28/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job.
C
A
B
A
C
A
A
A
B
A
C
C
A
B
C
C
A
B
C
C
A
B
C
C
A
B
C
C
A
B
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052854
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/27/2026
Resolved
FCRE3604
Credit
HMDA Discrepancy(s) Noted
The following HMDA Discrepancy(s) have been noted:
Here is the ULI: XXX
04/27/2026
HMDA review completed, no Level XXX findings noted, condition cleared.; ULI Provided in the comments.; HMDA review completed, no Level XXX findings noted, condition cleared.; ULI Provided in the comments.; HMDA Discrepancy Noted: The following HMDA Discrepancy(s) have been noted: Audit ULI - missing in loan file. Please provide Universal Loan Identifier (ULI).; HMDA review completed, no Level XXX findings noted, condition cleared.; ULI Provided in the comments.; HMDA Discrepancy Noted: The following HMDA Discrepancy(s) have been noted: Audit ULI - missing in loan file. Please provide Universal Loan Identifier (ULI).
04/27/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job.
C
A
B
A
C
A
A
A
B
A
C
C
A
B
C
C
A
B
C
C
A
B
C
C
A
B
C
C
A
B
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052854
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/22/2026
Resolved
FCRE3606
Credit
HMDA Data Tape Not Provided
Loan is pending HMDA data review. Additional conditions may apply.
    
HMDA Complete - Other finding added.; HMDA Data Tape Provided.
04/27/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job.
C
A
C
A
C
A
A
A
B
A
C
C
A
B
C
C
A
B
C
C
A
B
C
C
A
B
C
C
A
B
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052827
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/20/2026
Resolved
FCRE3606
Credit
HMDA Data Tape Not Provided
Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply.
    
HMDA received - no level XXX discrepancies - condition cleared; HMDA Data Tape Provided.
03/25/2026
Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
C
A
C
A
C
A
A
A
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052864
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/21/2026
Resolved
FCOM3849
Compliance
Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR  1002.14(a)(1))
The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). Documentation required to clear exception: The document provided indicates that the borrower either received, or chose to waive the right to receive the appraisal at least XXX days prior to consummation, but does not confirm the borrower received the appraisal at or prior to consummation.  Provide documentation to show the date the borrower received the appraisal to confirm it was received by the borrower timely.
attached
04/28/2026
Evidence of appraisal delivery provided.
04/29/2026
Original CLTV is Below the Guideline Maximum - Calculated CLTV of 47.23% is less than Guideline CLTV of 75% | Original LTV is Below the Guideline Maximum - Calculated LTV of 47.23% is less than Guideline LTV of 75% | Borrower has stable job time - Borrower has XXX years on job.
C
A
B
A
C
A
A
A
B
A
C
C
A
B
C
C
A
B
C
C
A
B
C
C
A
B
C
C
A
B
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052864
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/20/2026
Resolved
FCRE3606
Credit
HMDA Data Tape Not Provided
Loan is pending HMDA data review. Additional conditions may apply.
    
HMDA review completed, no Level XXX findings noted, condition cleared. ; HMDA Data Tape Provided.
04/27/2026
Original CLTV is Below the Guideline Maximum - Calculated CLTV of 47.23% is less than Guideline CLTV of 75% | Original LTV is Below the Guideline Maximum - Calculated LTV of 47.23% is less than Guideline LTV of 75% | Borrower has stable job time - Borrower has XXX years on job.
C
A
C
A
C
A
A
A
B
A
C
C
A
B
C
C
A
B
C
C
A
B
C
C
A
B
C
C
A
B
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052856
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/14/2026
Resolved
FCRE3606
Credit
HMDA Data Tape Not Provided
Loan is pending HMDA data review. Additional conditions may apply.
    
HMDA received - no level XXX discrepancies - condition cleared ; HMDA Data Tape Provided.
04/20/2026
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job.
C
A
C
A
C
A
A
A
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052888
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/03/2026
Resolved
FCRE3606
Credit
HMDA Data Tape Not Provided
Loan is pending HMDA data review. Additional conditions may apply.
    
HMDA received - no level XXX discrepancies - condition cleared ; HMDA Data Tape Provided.
04/06/2026
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
C
A
C
A
C
A
A
A
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052841
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/13/2026
Resolved
FCRE3606
Credit
HMDA Data Tape Not Provided
Loan is pending HMDA data review. Additional conditions may apply.
    
HMDA received - no level XXX discrepancies - condition cleared ; HMDA Data Tape Provided.
04/20/2026
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job.
C
A
C
A
C
A
A
A
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052857
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/15/2026
Resolved
FCRE3606
Credit
HMDA Data Tape Not Provided
Loan is pending HMDA data review. Additional conditions may apply.
    
HMDA received - no level XXX discrepancies - condition cleared ; HMDA Data Tape Provided.
04/20/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job.
C
A
C
A
C
A
A
A
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052853
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/22/2026
Rescinded
FVAL9739
Property
Property/Appraisal General
Property/Appraisal guideline violation: CDA is required and is missing for the lowest appraised value of $XXX.
See attached
04/24/2026
Not required. Rescind.; Audit reviewed the lender's response. A CDA is required per XXX. Condition retained.
04/27/2026
  
C
A
A
A
C
A
A
A
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052853
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/21/2026
Resolved
FCRE3606
Credit
HMDA Data Tape Not Provided
Loan is pending HMDA data review. Additional conditions may apply.
    
HMDA review completed, no Level XXX findings noted, condition cleared. ; HMDA Data Tape Provided.
04/27/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job.
C
A
C
A
C
A
A
A
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052860
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/17/2026
Resolved
FCOM3075
Credit
Missing US Patriot Act Disclosure or ID
Missing US Patriot Act Disclosure or ID.
see attached
04/23/2026
US Patriot Act Disclosure or ID provided. Condition cleared.; Material
04/24/2026
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
C
A
B
A
C
A
A
A
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052860
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/17/2026
Resolved
FCRE3606
Credit
HMDA Data Tape Not Provided
Loan is pending HMDA data review. Additional conditions may apply.
    
HMDA Data Tape Provided.; HMDA review completed, no Level XXX findings noted, condition cleared.
04/24/2026
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
C
A
C
A
C
A
A
A
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052858
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/14/2026
Resolved
FCOM9186
Compliance
eSigned Documents Consent is Missing
The eSigned consent disclosure is missing. Documentation required. 1st e-signed document in the file is dated XXX/XXX/XXX, however missing proof of e-consent dated XX/XX/XXXX or before.
see attached
04/20/2026
Evidence of eConsent is provided.; Material
04/21/2026
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
C
A
B
A
C
A
A
A
B
A
C
C
A
B
C
C
A
B
C
C
A
B
C
C
A
B
C
C
A
B
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052858
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/15/2026
Resolved
FCRE3606
Credit
HMDA Data Tape Not Provided
Loan is pending HMDA data review. Additional conditions may apply.
    
HMDA received - no level XXX discrepancies - condition cleared ; HMDA Data Tape Provided.
04/20/2026
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
C
A
C
A
C
A
A
A
B
A
C
C
A
B
C
C
A
B
C
C
A
B
C
C
A
B
C
C
A
B
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052655
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
02/04/2026
Resolved
FCRE1437
Credit
Income and Employment Do Not Meet Guidelines
Income and Employment Do Not Meet Guidelines Missing income calculator for other income in the amount of $XXX. Note: Unable to determine which type of income was used.
Income calcs; Income and Employment
02/19/2026
Income and Employment Meet Guidelines; Lender provided a snippet for other income in the amount of $XXX. (XXX  Interest). Per Code FEI0070 of the LP the file must also contain freddie mac form XXX or equivalent. Please provide worksheet for the Interest and XXXship income for XXX. Condition retained. ; Income and Employment Do Not Meet Guidelines Missing income calculator for other income in the amount of $XXX. Note: Unable to determine which type of income was used.
02/20/2026
Original CLTV is Below the Guideline Maximum - Calculated CLTV of 67.08% is less than Guideline CLTV of 80% Calculated CLTV of 67.08% is less than Guideline CLTV of 80% Calculated CLTV of 67.08% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 67.08% is less than Guideline LTV of 80% Calculated LTV of 67.08% is less than Guideline LTV of 80% Calculated LTV of 67.08% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job. Borrower has XXX years on job.
C
A
C
A
C
A
A
A
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052655
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
02/04/2026
Resolved
FCRE3606
Credit
HMDA Data Tape Not Provided
Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply.
    
HMDA data received, no discrepancies noted, condition cleared. ; HMDA Data Tape Provided.; Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply.
02/20/2026
Original CLTV is Below the Guideline Maximum - Calculated CLTV of 67.08% is less than Guideline CLTV of 80% Calculated CLTV of 67.08% is less than Guideline CLTV of 80% Calculated CLTV of 67.08% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 67.08% is less than Guideline LTV of 80% Calculated LTV of 67.08% is less than Guideline LTV of 80% Calculated LTV of 67.08% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job. Borrower has XXX years on job.
C
A
C
A
C
A
A
A
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052655
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
02/04/2026
Resolved
FCOM3075
Credit
Missing US Patriot Act Disclosure or ID
Missing US Patriot Act Disclosure or ID. Missing US Patriot Act Disclosure or ID.
XXXXX Patriot Act
02/04/2026
US Patriot Act Disclosure or ID provided.; Missing US Patriot Act Disclosure or ID. Missing US Patriot Act Disclosure or ID.; Missing US Patriot Act Disclosure or ID. Missing US Patriot Act Disclosure or ID.; Missing US Patriot Act Disclosure or ID. Missing US Patriot Act Disclosure or ID.
02/20/2026
Original CLTV is Below the Guideline Maximum - Calculated CLTV of 67.08% is less than Guideline CLTV of 80% Calculated CLTV of 67.08% is less than Guideline CLTV of 80% Calculated CLTV of 67.08% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 67.08% is less than Guideline LTV of 80% Calculated LTV of 67.08% is less than Guideline LTV of 80% Calculated LTV of 67.08% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job. Borrower has XXX years on job.
C
A
B
A
C
A
A
A
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052655
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
02/04/2026
Rescinded
FCRE5774
Credit
Borrower 1 Credit Report is Incomplete
Borrower 1 Credit Report is Partially Present. Missing property profile report reflecting the properties at XXX XXX and XXX XXX are owned free and clear.
Complete credit report and refresh; Credit Report Memo
02/19/2026
Review of fraud report for XXX XXX indicates MERS is inactive, HOI shows loan # for PennyMac which the credit report shows paid in full - documentation supported.; Clarification proof of free and clear for XXX XXX. is required, as the fraud report and hazard XXX for XXX XXX, is acceptable. ; Audit reviewed the lender's response. The property located at XXX XXX. The hazard XXX policy shows the mortgagee Pennymac. The property located at XXX XXX, show no mortgagee and the fraud report does not show a mortgage. Please provide a property profiles showing free and clear. Condition retained. ; Borrower 1 Credit Report is Partially Present. Missing property profile report reflecting the properties at XXX XXX and XXX XXX are owned free and clear.
02/20/2026
  
C
A
C
A
C
A
A
A
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052721
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
02/17/2026
Resolved
FCOM1544
Compliance
TRID: Missing Closing Disclosure
TRID: Missing Final Closing Disclosure Documentation required: Per docusign, a closing package was issued on XXX/XXX/XXX. Please advise if Final CD was issued with closing package and if so, provide.
CD
02/19/2026
Condition cleared as we have received the Final CD.
02/23/2026
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
D
A
D
A
D
A
A
A
D
A
D
D
A
D
D
D
A
D
D
D
A
D
D
D
A
D
D
D
A
D
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052721
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
02/13/2026
Resolved
FCRE7497
Credit
Missing verification of taxes, XXX, and/or HOA fees for non-subject property
Missing proof of HOA or letter from borrower stating no HOA for the property at XXX XXX XXX. Additional conditions may apply.
REO prop docs
02/19/2026
Review of documentation supported and DTI remains within program guidelines.
02/20/2026
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
D
A
D
A
D
A
A
A
D
A
D
D
A
D
D
D
A
D
D
D
A
D
D
D
A
D
D
D
A
D
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052721
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
02/13/2026
Resolved
FCRE3606
Credit
HMDA Data Tape Not Provided
Loan is pending HMDA data review. Additional conditions may apply.
    
HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided.
02/20/2026
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
D
A
C
A
D
A
A
A
D
A
D
D
A
D
D
D
A
D
D
D
A
D
D
D
A
D
D
D
A
D
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052865
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/01/2026
Resolved
FCRE1316
Credit
Borrower 1 3rd Party VOE Prior to Close Missing
Borrower 1 3rd Party VOE Prior to Close Missing. Missing 3rd party VVOE within XXX days of closing.
VVOE
05/06/2026
Documentation is sufficient. VOE provided. Exception resolved.; Borrower 1 3rd Party VOE Prior to Close Was Provided.
05/07/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job.
D
A
D
A
D
A
C
A
A
A
D
D
C
A
D
D
C
A
D
D
C
A
D
D
C
A
D
D
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052865
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/01/2026
Resolved
FVAL9739
Property
Property/Appraisal General
Property/Appraisal guideline violation: Missing 2nd full appraisal as required on loan amts over XXX per XXX overlays.
2nd Appraisal and CDA
05/06/2026
Documentation is sufficient. Appraisal and Review provided. Exception resolved.; Property/Appraisal Meets Guidelines
05/07/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job.
D
A
C
A
D
A
C
A
A
A
D
D
C
A
D
D
C
A
D
D
C
A
D
D
C
A
D
D
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052865
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/04/2026
Resolved
FCRE3606
Credit
HMDA Data Tape Not Provided
Loan is pending HMDA data review. Additional conditions may apply.
    
HMDA received - no level XXX discrepancies - condition cleared; HMDA Data Tape Provided.
05/06/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job.
D
A
C
A
D
A
C
A
A
A
D
D
C
A
D
D
C
A
D
D
C
A
D
D
C
A
D
D
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052747
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
02/26/2026
Resolved
FCRE3606
Credit
HMDA Data Tape Not Provided
Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply.
    
HMDA Data Tape Provided.
03/04/2026
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
C
A
C
A
C
A
A
A
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052678
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
02/12/2026
Resolved
FCRE3606
Credit
HMDA Data Tape Not Provided
Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply.
Good afternoon, please advise if you have received the original signed note. Thank you.
02/16/2026
HMDA review completed, no Level XXX findings noted, condition cleared.; Pending review.
02/18/2026
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job.
C
A
C
A
C
A
A
A
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052678
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
02/12/2026
Resolved
FCRE5774
Credit
Borrower 1 Credit Report is Incomplete
Borrower 1 Credit Report is Partially Present. Missing property profile report reflecting the properties at XXX XXX XXX and XXX are owned free and clear. MISSING MORTGAGE Statement for the property at XXX XXX to ensure taxes and XXX are escrowed. If taxes and XXX are not escrowed, please provide tax certificate and XXX policy.
Please see attached documents for review.
02/16/2026
Lender provided the mortgage Statement for the property at XXX XXX. Taxes and XXX are escrowed. Property profile, along with credit report reflecting the properties at XXX XXX XXX and XXX, are owned free and clear. Condition cleared.
02/17/2026
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job.
C
A
C
A
C
A
A
A
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052739
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
02/11/2026
Resolved
FCRE9995
Credit
Audited Reserves are less than Guideline Required Reserves (Dollar Amount)
Audited Reserves of XXX are less than Guideline Required Reserves of $XXX.. Please provide sufficient assets.
XXX ; ASSETS REQUIRED FOR CLOSE: XXX | RESERVES REQUIRED: XXX – XXX Months Subject | TOTAL REQUIRED: XXX | ASSETS VERIFIED: XXX | - XXX XX/XX/XXXX | - XXX XX/XX/XXXX | - XXX XXX XXX XX/XX/XXXX | RESERVES VERIFIED: Yes
02/24/2026
Audited Reserves of XXX are equal to or greater than AUS Required Reserves of $XXX.; Audit reviewed the lender's response. On the 1003/AUS XXX XXX in the amount of $XXX. The file contains the XXX XXX Summary Plan Description, however the Statements are missing from the file. Please provide the Statements verifying this amount. Condition retained.
02/25/2026
Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
C
A
C
A
C
A
A
A
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052739
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
02/11/2026
Resolved
FCRE3606
Credit
HMDA Data Tape Not Provided
Loan is pending HMDA data review. Additional conditions may apply.
    
HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided.
02/18/2026
Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
C
A
C
A
C
A
A
A
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052680
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/10/2026
Resolved
FCRE3606
Credit
HMDA Data Tape Not Provided
Loan is pending HMDA data review. Additional conditions may apply.
    
HMDA received - no level XXX discrepancies - condition cleared; HMDA Data Tape Provided.
03/16/2026
Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 80%
C
A
C
A
C
A
A
A
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052738
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
02/24/2026
Resolved
FCRE3606
Credit
HMDA Data Tape Not Provided
Loan is pending HMDA data review. Additional conditions may apply.
    
HMDA Data Tape Provided.
03/04/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job.
C
A
C
A
C
A
A
A
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052661
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/02/2026
Resolved
FCRE3606
Credit
HMDA Data Tape Not Provided
Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply.
    
HMDA received - no level XXX discrepancies - condition cleared; HMDA Data Tape Provided.
04/08/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
C
A
C
A
C
A
A
A
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052661
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/03/2026
Resolved
FCRE5774
Credit
Borrower 1 Credit Report is Incomplete
Borrower 1 Credit Report is Partially Present. Missing supporting documentation for other payment of XXX included in the subject property PITI. Please provide supporting documentation verifying the other payment in the amount of $XXX.
Additional amt for property taxes
04/07/2026
Lender provided documentation. The XXX is for additional property tax increase. 11216x XXX = XXX yr plus XXX per tax Statement. Total taxes $XXX. Condition cleared.
04/08/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
C
A
C
A
C
A
A
A
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052751
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
02/23/2026
Resolved
FCRE3606
Credit
HMDA Data Tape Not Provided
Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply.
    
HMDA Data Tape Provided.
03/04/2026
Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
C
A
C
A
C
A
A
A
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052685
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
02/23/2026
Resolved
FPRO9990
Property
Third Party Valuation Product Not Provided within XXX% Tolerance
Third Party Valuation Product Not Provided or Not Provided Within Tolerance. FNMA CU score is XXX and a third party valuation was not provided.
Document Uploaded. CDA
02/25/2026
Third party valuation product provided within tolerance.; Client provided XXX CDA. LM Updated.
02/26/2026
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
C
B
C
A
A
A
C
A
B
B
C
A
C
B
C
A
C
B
C
A
C
B
C
A
C
B
C
A
C
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
409052685
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
02/23/2026
Acknowledged
finding-3367
Compliance
RESPA Homeownership Counseling Organizations Disclosure Date Test
This loan failed the homeownership counseling organizations disclosure date test due to the following findings: (12 CFR §1024.20(a) he loan has a homeownership counseling organizations disclosure date that is not within three business days of the loan Originator's application date (or the date creditor received application if loan Originator's application date is not provided); orThe homeownership counseling organizations disclosure date is after the closing date ot later than three business days after a lender, mortgage broker, or dealer receives an application, or information sufficient to complete an application, the lender must provide the loan applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. The list of homeownership counseling organizations distributed to each loan applicant under this section shall be obtained no earlier than XXX days prior to the time when the list is provided to the loan applicant from either:(XXX he website maintained by the Bureau for lenders to use in complying with the requirements of this section; or(XXX ata made available by the Bureau or HUD for lenders to use in complying with the requirements of this section, provided that the data is used in XXXance with instructions provided with the data his calculation take into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §XXX(b) and as it relates to §XXX (list of homeownership counseling organizations provided not later than XXX business days after a loan Originator receives an application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:As not being open on Birthday of XXXXX Luther King, Jr. (XXX/XXX/XXX s not being open on SundayAs not being open on SaturdayPLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, ComplianceAnalyzer calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict lease note: This test does not validate the content of any list of homeownership counseling organizations. Showing evidence that the borrowers received the disclosure within XXX business days of application, XXX/XXX/XXX, may cure the violation.
Please advise where the application date you are using is coming from? ; Please advise what the issue is with this disclosure. C. has the app date as XX/XX/XXXX and the HCOL is e-signed XXX/XXX/XXX.
02/25/2026
We would like to acknowledge this as non-material as XX/XX/XXXX is not the application date. ; Per the disclosure tracking detail provided in the file the application date is XXX/XXX/XXX. The HCOL is dated XX/XX/XXXX which is not provided timely; The HOC list is not dated within XXX days of the application date
02/25/2026
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
C
B
B
B
A
A
C
A
B
B
C
A
C
B
C
A
C
B
C
A
C
B
C
A
C
B
C
A
C
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
409052685
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
02/23/2026
Acknowledged
FCOM5135
Compliance
Missing Required Affiliated Business Disclosure
Provide ABD or attestation to show the lender has no affiliates or made no referral of business to the affiliates Required Affiliated Business Disclosure Missing
Please close this condition and acknowledge as non-material.
02/24/2026
Exception is non-material and graded as level 2/B.
  
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
C
B
B
B
A
A
C
A
B
B
C
A
C
B
C
A
C
B
C
A
C
B
C
A
C
B
C
A
C
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
409052685
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
02/24/2026
Resolved
FCRE8999
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
informational Only
02/24/2026
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
C
B
A
A
A
A
C
A
B
B
C
A
C
B
C
A
C
B
C
A
C
B
C
A
C
B
C
A
C
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
409052772
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/18/2026
Rescinded
finding-3622
Compliance
TRID Post-Consummation Reason for Redisclosure Validation Test
This loan failed the TRID post-consummation reason for redisclosure validation test his loan contains a post-consummation revised closing disclosure delivery date but does not provide the reason for the redisclosure after consummation. The reason is required in order to audit post-consummation redisclosure timing tests.
    
NA
03/18/2026
  
C
B
A
A
C
A
A
A
C
B
C
C
A
C
C
C
A
C
C
C
A
C
C
C
A
C
C
C
A
C
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
409052772
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/05/2026
Cured
finding-3634
Compliance
Charges That Cannot Increase Test
This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination XXXing to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of XXX is due to increase from XXX to XXX for the Technology Fee on CD XXX/XXX/XXX.
LOX and ck copy uploaded; Cure docs have been provided
03/17/2026
Lender provided a PCCD, LOE refund in the amount of XXX and evidence of deliverty. Loan will be graded a B.; Lender provided a PCCD, LOE refund in the amount of XXX and evidence of deliverty. Loan will b graded a B. ; Lender provided a PCCD, LOE refund in the amount of XXX and evidence of deliverty. Loan will be graded a B.; Lender provided a PCCD, LOE refund in the amount of XXX and evidence of deliverty. Loan will b graded a B. ; Lender provided the PCCD for the refund in the amount of XXX Missing the LOE and refund. (Check provided is not for our borrower, Jeff Sorosen in the amount of XXX). Additional conditions may apply. Condition retained.
03/18/2026
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
C
B
C
B
C
A
A
A
C
B
C
C
A
C
C
C
A
C
C
C
A
C
C
C
A
C
C
C
A
C
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
409052772
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/05/2026
Cured
finding-3635
Compliance
Charges That In Total Cannot Increase More Than XXX% Test
This loan failed the charges that in total cannot increase more than XXX% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance XXXing to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than XXX% XXX exceed the comparable charges XXX by more than XXX% Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures n estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than XXX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). TILA 130 Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, and Copy of Refund Check, or Valid COC. The XXX% tolerance violation in the amount of XXX is due to increase from XXX to XXX for the Mortgage Recording Fee on CD XXX/XXX/XXX. Final Charges That In Total Cannot Increase More Than XXX% Total XXX Comparable Charges That In Total Cannot Increase More Than XXX% Total XXX Tolerance variance amount for charges that in total cannot increase more than XXX% XXX
Check copy and LOX attached; Cure Docs
03/17/2026
Lender provided the PCCD, LOE, refund in the amount of XXX and evidence of delivery. Loan will be graded a B.; Lender provided the PCCD, LOE, refund in the amount of XXX and evidence of delivery. Loan will be graded a B. ; Lender provided the PCCD, LOE, refund in the amount of XXX and evidence of delivery. Loan will be graded a B.; Lender provided the PCCD, LOE, refund in the amount of XXX and evidence of delivery. Loan will be graded a B. ; Lender provided the PCCD for the refund in the amount of XXX Missing the LOE and refund. (Check provided is not for our borrower, Jeff Sorosen in the amount of XXX). Additional conditions may apply. Condition retained.
03/18/2026
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
C
B
C
B
C
A
A
A
C
B
C
C
A
C
C
C
A
C
C
C
A
C
C
C
A
C
C
C
A
C
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
409052772
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/04/2026
Resolved
FCRE3606
Credit
HMDA Data Tape Not Provided
Loan is pending HMDA data review. Additional conditions may apply.
    
HMDA received - no level XXX discrepancies - condition cleared; HMDA Data Tape Provided.
03/09/2026
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
C
B
C
A
C
A
A
A
C
B
C
C
A
C
C
C
A
C
C
C
A
C
C
C
A
C
C
C
A
C
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
409052878
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/02/2026
Resolved
finding-3367
Compliance
RESPA Homeownership Counseling Organizations Disclosure Date Test
This loan failed the homeownership counseling organizations disclosure date test due to the following findings: (12 CFR §1024.20(a) he loan has a homeownership counseling organizations disclosure date that is not within three business days of the loan Originator's application date (or the date creditor received application if loan Originator's application date is not provided); orThe homeownership counseling organizations disclosure date is after the closing date ot later than three business days after a lender, mortgage broker, or dealer receives an application, or information sufficient to complete an application, the lender must provide the loan applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. The list of homeownership counseling organizations distributed to each loan applicant under this section shall be obtained no earlier than XXX days prior to the time when the list is provided to the loan applicant from either:(XXX he website maintained by the Bureau for lenders to use in complying with the requirements of this section; or(XXX ata made available by the Bureau or HUD for lenders to use in complying with the requirements of this section, provided that the data is used in XXXance with instructions provided with the data his calculation take into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §XXX(b) and as it relates to §XXX (list of homeownership counseling organizations provided not later than XXX business days after a loan Originator receives an application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:As not being open on SundayAs not being open on SaturdayPLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, ComplianceAnalyzer calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict lease note: This test does not validate the content of any list of homeownership counseling organizations. Documentation required. Homeownership Counseling in file dated XXX/XXX/XXX; Initial 1003 date XXX/XXX/XXX. Additional testing to occur when Initial LE is provided.
Initial disclosures were issued on XXX/XXX/XXX. Borrower did not respond to that package which is why everything redisclosed on XX/XX/XXXX
03/05/2026
Lender provided the List of Homeowner Counseling Organizations sent to borrower on XXX/XXX/XXX. Condition cleared.; Lender provided the List of Homeowner Counseling Organizations sent to borrower on XXX/XXX/XXX. Condition cleared.; Material
03/06/2026
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
C
A
B
A
C
A
A
A
C
A
C
C
A
C
C
C
A
C
C
C
A
C
C
C
A
C
C
C
A
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052878
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/06/2026
Rescinded
finding-3652
Compliance
Lender Credits That Cannot Decrease Test
This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i) he loan contains charges that exceed the good faith determination XXXing to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits XXX does not exceed or equal the comparable sum of specific and non-specific lender credits ($XXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i) he loan contains charges that exceed the good faith determination XXXing to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits XXX does not exceed or equal the comparable sum of specific and non-specific lender credits ($XXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). COC in file dated XXX/XXX/XXX. Condition rescinded. COC in file dated XXX/XXX/XXX. Condition rescinded.
    
03/06/2026
  
C
A
C
A
C
A
A
A
C
A
C
C
A
C
C
C
A
C
C
C
A
C
C
C
A
C
C
C
A
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052878
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/02/2026
Resolved
finding-3634
Compliance
Charges That Cannot Increase Test
This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination XXXing to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure required. Refund in the amount of XXX cure package requires PCCD, LOE, Copy of Refund Check and Proof of delivery or valid COC. The exception is tied to missing initial LE issued within XXX business days of application dated XXX/XXX/XXX, earlies LE in file dated XXX/XXX/XXX. Additional Testing will be completed when Initial LE is provided.
Initial disclosures were issued on XXX/XXX/XXX. Borrower did not respond to that package which is why everything redisclosed on XXX/XXX. See documents uploaded to other condition.
03/05/2026
Lender provided the Initial LE dated XXX/XXX/XXX. Condition cleared.; Lender provided the Initial LE dated XXX/XXX/XXX. Condition cleared.
03/06/2026
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
C
A
C
A
C
A
A
A
C
A
C
C
A
C
C
C
A
C
C
C
A
C
C
C
A
C
C
C
A
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052878
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/02/2026
Resolved
finding-3635
Compliance
Charges That In Total Cannot Increase More Than XXX% Test
This loan failed the charges that in total cannot increase more than XXX% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance XXXing to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than XXX% XXX exceed the comparable charges XXX by more than XXX% Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures n estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than XXX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi).
Initial disclosures were issued on XXX/XXX/XXX. Borrower did not respond to that package which is why everything redisclosed on XXX/XXX. See documents uploaded to other condition.
03/05/2026
Lender provided the Initial LE dated XXX/XXX/XXX. Condition cleared.; Lender provided the Initial LE dated XXX/XXX/XXX. Condition cleared.
03/06/2026
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
C
A
C
A
C
A
A
A
C
A
C
C
A
C
C
C
A
C
C
C
A
C
C
C
A
C
C
C
A
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052878
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/02/2026
Resolved
finding-3515
Compliance
Initial Loan Estimate Delivery Date Test (from application)
Documentation required. The initial Loan Estimate in file dated XXX/XXX/XXX. The violation can be cured by providing evidence borrower received initial loan estimate within XXX days from application date XXX/XXX/XXX. This loan failed the initial loan estimate delivery date test (from application) due to one of the following: (12 CFR §1026.19(e)(1)(iii)(A) he initial loan estimate delivery date is later than the third business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions) after the creditor or broker receives the consumer's written application herefore, if additional disclosures are entered into ComplianceAnalyzer, any values that would change under a valid changed circumstance if the initial loan estimate had been delivered timely, will not reset the baseline for tolerance purposes. The comparable fees for this loan will be XXX regardless of the actual values on the disclosure his calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §XXX(a)(XXX) and as it relates to §1026.19(e)(1)(iii)(A) (initial loan estimate disclosure three business days after application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:As not being open on SundayAs not being open on SaturdayPLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, ComplianceAnalyzer calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict he creditor shall deliver or place in the mail the disclosures required under §1026.19(e)(1)(i) (provision of loan estimate form) not later than the third business day after the creditor receives the consumer's application.
Initial disclosures were issued on XXX/XXX/XXX. Borrower did not respond to that package which is why everything redisclosed on XXX/XXX. See documents uploaded to other condition.
03/05/2026
Lender provided the Initial LE dated XXX/XXX/XXX. Condition cleared.; Lender provided the Initial LE dated XXX/XXX/XXX. Condition cleared.
03/06/2026
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
C
A
C
A
C
A
A
A
C
A
C
C
A
C
C
C
A
C
C
C
A
C
C
C
A
C
C
C
A
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052878
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/03/2026
Resolved
FCRE3606
Credit
HMDA Data Tape Not Provided
Loan is pending HMDA data review. Additional conditions may apply.
    
HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided.
03/06/2026
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
C
A
C
A
C
A
A
A
C
A
C
C
A
C
C
C
A
C
C
C
A
C
C
C
A
C
C
C
A
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052835
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/02/2026
Resolved
FCRE3606
Credit
HMDA Data Tape Not Provided
Loan is pending HMDA data review. Additional conditions may apply.
    
HMDA received - no level XXX discrepancies - condition cleared; HMDA Data Tape Provided.
03/10/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job.
C
A
C
A
C
A
A
A
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052783
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
01/30/2026
Resolved
FPRO1137
Property
The appraiser was not licensed (Primary Value)
Primary Value appraiser's license was not effective prior to the Valuation Date or expired prior to the Valuation Date Per asc ov. Missing evidence of appraisers effective date on current license and ASC ov does not verify appraiser license active at time of appraisal report.
UWM LOE
02/05/2026
Primary Value appraiser's license was effective prior to the Valuation Date and expired after the Valuation Date Or Primary Valuation Is Not Selected Or Appraiser License Dates Are Not Provided -> After further review of State of IL and updated documentation audit validated the license was active at the time of the effective date of the initial appraisal report.; Document Uploaded. ; Primary Value appraiser's license was not effective prior to the Valuation Date or expired prior to the Valuation Date Per asc ov. Missing evidence of appraisers effective date on current license and ASC ov does not verify appraiser license active at time of appraisal report.
02/06/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 65.83% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 65.83% is less than Guideline LTV of 80%
C
A
C
A
C
A
C
A
A
A
C
C
C
A
C
C
C
A
C
C
C
A
C
C
C
A
C
C
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052783
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
01/30/2026
Resolved
FCRE3606
Credit
HMDA Data Tape Not Provided
Loan is pending HMDA data review. Additional conditions may apply.
    
HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided.
02/06/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 65.83% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 65.83% is less than Guideline LTV of 80%
C
A
C
A
C
A
C
A
A
A
C
C
C
A
C
C
C
A
C
C
C
A
C
C
C
A
C
C
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052754
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/10/2026
Resolved
FCRE3606
Credit
HMDA Data Tape Not Provided
Loan is pending HMDA data review. Additional conditions may apply.
    
HMDA received - no level XXX discrepancies - condition cleared ; HMDA Data Tape Provided.
03/16/2026
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
C
A
C
A
C
A
A
A
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052748
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/03/2026
Resolved
FCRE3606
Credit
HMDA Data Tape Not Provided
Loan is pending HMDA data review. Additional conditions may apply.
    
HMDA received - no level XXX discrepancies - condition cleared; HMDA Data Tape Provided.
03/09/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 62.59% is less than Guideline CLTV of 75% | Original LTV is Below the Guideline Maximum - Calculated LTV of 62.59% is less than Guideline LTV of 75% | Borrower has stable job time - Borrower has XXX years on job.
C
A
C
A
C
A
A
A
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052748
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/03/2026
Rescinded
FCRE1440
Credit
Housing History Does Not Meet Guideline Requirements
Housing History Does Not Meet Guideline Requirements Missing XXX of XXX mo satisfactory mortgage history for subject property. Credit report shows opened XX/XX/XXXX last reported XX/XX/XXXX with a XXX mo rating. Mtg stmts in file shows due for XXX//XXX payment. Lender to provide mortgage history for entire period of that mortgage with SPS.
invalid ; attached
03/06/2026
Review of credit report supports a XXX mos mortgage history and title supports B1 aquired subject property XXX/XXX.
03/09/2026
  
C
A
A
A
C
A
A
A
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052793
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/25/2026
Resolved
FCRE3606
Credit
HMDA Data Tape Not Provided
Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply.
    
HMDA received - no level XXX discrepancies - condition cleared; HMDA Data Tape Provided.
03/30/2026
Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
C
A
C
A
C
A
A
A
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052806
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/09/2026
Resolved
finding-3635
Compliance
Charges That In Total Cannot Increase More Than XXX% Test
This loan failed the charges that in total cannot increase more than XXX% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance XXXing to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than XXX% XXX exceed the comparable charges XXX by more than XXX% Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures n estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than XXX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The XXX% tolerance violation in the amount of XXX is due to an increase in the following fees: Lender's Title XXX Policy from XXX to XXX Notary Fee from XXX to XXX Settlement or Closing Fee XXX to XXX Title E Doc Delivery Fee from XXX to XXX and Title Wire fee from XXX to XXX without valid COC.
LOX & PCCD
04/16/2026
PCCD provided; exception resolved; PCCD provided; exception resolved
04/17/2026
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
C
A
C
A
C
A
A
A
C
A
C
C
A
C
C
C
A
C
C
C
A
C
C
C
A
C
C
C
A
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052806
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/08/2026
Resolved
FCRE1437
Credit
Income and Employment Do Not Meet Guidelines
Income and Employment Do Not Meet Guidelines Missing the TWN WVOE/VOI used by DU to validate the income for B1 that includes Current and prior year to date earnings. The document should be retained in the loan file. The file contains a screen shot from employer that reflects the annual base pay but does not reflect any Current or Prior YTD earnings.
VVOE
04/14/2026
Lender provided the WVOE for the borrower. Condition cleared. ; Income and Employment Meet Guidelines
04/15/2026
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
C
A
C
A
C
A
A
A
C
A
C
C
A
C
C
C
A
C
C
C
A
C
C
C
A
C
C
C
A
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052806
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/08/2026
Resolved
FCRE3606
Credit
HMDA Data Tape Not Provided
Loan is pending HMDA data review. Additional conditions may apply.
    
HMDA received - no level XXX discrepancies - condition cleared.; HMDA Data Tape Provided.
04/13/2026
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
C
A
C
A
C
A
A
A
C
A
C
C
A
C
C
C
A
C
C
C
A
C
C
C
A
C
C
C
A
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052859
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/20/2026
Resolved
finding-3532
Compliance
Initial Closing Disclosure Delivery Date Test
This loan failed the initial closing disclosure delivery date test due to one of the following findings:(12 CFR §1026.19(f)(1)(ii) he initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"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 §1026.19(f)(1)(i) no later than three business days before consummation. Documentation required to clear exception: The initial CD is missing from the loan file. The earliest CD in the file is dated XX/XX/XXXX and signed at consummation. The violation can be cured by providing the initial CD as well as evidence showing that is was received by the consumer XXX business days prior to consummation on XXX/XXX/XXX.
ICD
04/27/2026
Initial CD received - exception resolved; Initial CD received - exception resolved
04/28/2026
Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 61.7% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 61.7% is less than Guideline CLTV of 80%
C
A
C
A
C
A
A
A
C
A
C
C
A
C
C
C
A
C
C
C
A
C
C
C
A
C
C
C
A
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052859
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/20/2026
Resolved
finding-3634
Compliance
Charges That Cannot Increase Test
This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination XXXing to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130 Cure Required. Refund in the amount of XXX cure package requires a PCCD, LOE, and Copy of Refund Check, or Valid COC. The zero tolerance violation in the amount of XXX is due to increase the addition of the Loan Discount Fee with no COC or initial CD in file
  
Initial CD received - exception resolved; Initial CD received - exception resolved
04/28/2026
Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 61.7% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 61.7% is less than Guideline CLTV of 80%
C
A
C
A
C
A
A
A
C
A
C
C
A
C
C
C
A
C
C
C
A
C
C
C
A
C
C
C
A
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052859
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/21/2026
Resolved
FCRE3606
Credit
HMDA Data Tape Not Provided
Loan is pending HMDA data review. Additional conditions may apply.
    
HMDA received - no level XXX discrepancies - condition cleared; HMDA Data Tape Provided.
04/27/2026
Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 61.7% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 61.7% is less than Guideline CLTV of 80%
C
A
C
A
C
A
A
A
C
A
C
C
A
C
C
C
A
C
C
C
A
C
C
C
A
C
C
C
A
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052671
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/21/2026
Resolved
FCRE3606
Credit
HMDA Data Tape Not Provided
Loan is pending HMDA data review. Additional conditions may apply.
    
HMDA review completed, no Level XXX findings noted, condition cleared. ; HMDA Data Tape Provided.
04/27/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
C
A
C
A
C
A
A
A
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052671
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/21/2026
Resolved
FCRE1159
Credit
Hazard XXX Effective Date is after the Disbursement Date
Hazard XXX Effective Date of XX/XX/XXXX is after the Disbursement Date of XXX-XXX-XXX. Missing Hazard XXX effective as of disbursement date of XXX/XXX/XXX.
HOI
04/23/2026
Hazard XXX Effective Date of XX/XX/XXXX is prior to or equal to the Disbursement Date of XXX-XXX-XXX. Condition cleared.
04/24/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
C
A
C
A
C
A
A
A
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052840
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/17/2026
Resolved
FCRE3606
Credit
HMDA Data Tape Not Provided
Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply.
    
HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided.
04/22/2026
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job.
C
A
C
A
C
A
A
A
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052691
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
02/11/2026
Resolved
FCOM8997
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational Only
02/12/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 66.42% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 66.42% is less than Guideline CLTV of 80% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052691
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
02/11/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational Only
02/12/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 66.42% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 66.42% is less than Guideline CLTV of 80% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052691
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
02/12/2026
Resolved
FCRE8999
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational Only
02/12/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 66.42% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 66.42% is less than Guideline CLTV of 80% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052694
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
02/03/2026
Resolved
finding-3634
Compliance
Charges That Cannot Increase Test
This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination XXXing to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of XXX is due to an increase of the loan discount points fee from XXX to XXX on the final CD dated XX/XX/XXXX without valid COC.
Document Uploaded. COC uploaded
02/09/2026
Valid COC provided; exception resolved; Valid COC provided; exception resolved
02/09/2026
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 69.5% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 69.5% is less than Guideline CLTV of 80%
C
A
C
A
B
A
A
A
C
A
C
B
A
C
C
B
A
C
C
B
A
C
C
B
A
C
C
B
A
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052694
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
02/04/2026
Resolved
FCRE9785
Credit
XXX Contract is Incomplete
XXX is XXX but XXX Contract Doc is Incomplete The Closing Disclosure (CD) reflects a seller credit of XXX that is not reflected on the sales contract or addendums in file. An addendum to the contract reflecting the credit is required.
Document Uploaded. LOE
02/09/2026
XXX Contract Doc is complete.; Client provided Preferred Lender & Preferred Title Company - Disclosure reflecting XXX to be used towards Buyers closing costs/price reduction/Buy down on speculative homes already built or construction by builder. XXX from the Seller and XXX from the Lender. LM Updated.; XXX is XXX but XXX Contract Doc is Incomplete The Closing Disclosure (CD) reflects a seller credit of XXX that is not reflected on the sales contract or addendums in file. An addendum to the contract reflecting the credit is required.
02/09/2026
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 69.5% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 69.5% is less than Guideline CLTV of 80%
C
A
B
A
B
A
A
A
C
A
C
B
A
C
C
B
A
C
C
B
A
C
C
B
A
C
C
B
A
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052694
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
02/03/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational Only
02/05/2026
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 69.5% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 69.5% is less than Guideline CLTV of 80%
C
A
A
A
B
A
A
A
C
A
C
B
A
C
C
B
A
C
C
B
A
C
C
B
A
C
C
B
A
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052743
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/02/2026
Resolved
FCOM8997
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational Only
03/03/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job.
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052743
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/02/2026
Resolved
FCRE8999
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational Only
03/03/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job.
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
409052743
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/02/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational Only
03/03/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job.
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