J.P. MORGAN ACCEPTANCE CORPORATION II ABS-15G
Exhibit 99.18
| Seller Name | Seller Loan ID | Customer Loan ID | Exception ID | Exception ID Date | Exception Category | Exception Subcategory | Exception Description | Exception Comments | Seller Response | Reviewer Response | Compensating Factors | Exception Status | Cleared Date | Exception Approved Pre Origination | Initial Exception Grade | Final Exception Grade | Initial DBRS Exception Grade | Final DBRS Exception Grade | Initial Moodys Exception Grade | Final Moodys Exception Grade | Initial Fitch Exception Grade | Final Fitch Exception Grade | Initial Kroll Exception Grade | Final Kroll Exception Grade | Initial S&P Exception Grade | Final S&P Exception Grade |
| XXX | XXXXX | 305024755 | XXX-XXX | 12/8/2025 | Credit | Title or Lien | Title Insurance Coverage - XXX Coverage | XXX Title Insurance Coverage < XXX Minimum Coverage Required. | XX/XX/XXXX: Waived via overlay | XXX: Waived via overlay | DSCR XXX FICO XXX months reserves, | Acknowledged | 12/8/2025 | B | B | B | B | B | B | B | B | B | B | B | B | |
| XXX | XXXXX | 304493266 | XXX-XXX | 2/10/2025 | Credit | No Credit Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear | Cleared | 2/10/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 304635023 | XXX-XXX | 2/19/2025 | Property | Insurance | Hazard Insurance Missing or Defective | Hazard insurance policy is MISSING MORTGAGE clause after Lender's name. Please provide updated hazard policy with ISAOA/ATIMA verbiage | XX/XX/XXXX MM: Please see attached docs | XXX: Received | Cleared | 3/12/2025 | C | A | C | A | C | A | C | A | C | A | C | A | ||
| XXX | XXXXX | 304641856 | XXX-XXX | 3/13/2025 | Credit | Title/Lien | Title Insurance Coverage - XXX Coverage | XXX title insurance coverage < XXX minimum insurance required | XX/XX/XXXX: please see attached | XXX: Received title insurance | Cleared | 3/18/2025 | C | A | C | A | C | A | C | A | C | A | C | A | ||
| XXX | XXXXX | 304643363 | XXX-XXX | 3/26/2025 | Credit | No Credit Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear | Cleared | 3/26/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 304692679 | XXX-XXX | 6/4/2025 | Credit | No Credit Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear | Cleared | 6/4/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 304707675 | XXX-XXX | 6/5/2025 | Credit | No Credit Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear | Cleared | 6/5/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 304684693 | XXX-XXX | 6/10/2025 | Credit | Title or Lien | Title Insurance Missing or Defective | Missing XXX-month chain of title for subject property: XXX XXX | XX/XX/XXXX: Title Policy | XX/XX/XXXX: Received | Cleared | 6/11/2025 | D | A | D | A | D | A | D | A | D | A | D | A | ||
| XXX | XXXXX | 304734129 | XXX-XXX | 8/6/2025 | Credit | No Credit Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear | Cleared | 8/6/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 304685820 | XXX-XXX | 8/20/2025 | Credit | Closing Documentation | Note Missing or Defective | Audit prepayment penalty of XXX months does not align with client tape prepayment penalty of XXX months. Final CD and mortgage in file reflect XXX months PPP. | XX/XX/XXXX: The security instrument has a XXX month PPP rider attached. | XXX: Received | Cleared | 9/3/2025 | C | A | C | A | C | A | C | A | C | A | C | A | ||
| XXX | XXXXX | 304813206 | XXX-XXX | 9/16/2025 | Credit | No Credit Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear | Cleared | 9/16/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 304366875 | XXX-XXX | 8/28/2024 | Credit | Loan Documentation | Application/Processing | Missing loan application | XX/XX/XXXX: Waived via email | XXX: Waived via email | FICO XXX DSCR XXX months reserves | Acknowledged | 9/3/2024 | D | B | D | B | D | B | D | B | D | B | D | B | |
| XXX | XXXXX | 304366875 | XXX-XXX | 8/28/2024 | Credit | Loan Documentation | Closing Documentation | MISSING CONVEYANCE DEED from XXX to XXX | XX/XX/XXXX: Waived per XXX | XXX: Waived per XXX | FICO XXX DSCR XXX months reserves | Acknowledged | 8/28/2024 | B | B | B | B | B | B | B | B | B | B | B | B | |
| XXX | XXXXX | 304811693 | XXXXX-XXX | 8/21/2025 | Credit | No Credit Findings | No Findings | The loan meets all the applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear | Cleared | 8/21/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 304779662 | XXX-XXX | 9/8/2025 | Credit | Closing Documentation | Closing Disclosure/Settlement Statement Missing or Defective | Missing Settlement Statement | XX/XX/XXXX: Settlement Statement | XXX: Received | Cleared | 9/18/2025 | D | A | D | A | D | A | D | A | D | A | D | A | ||
| XXX | XXXXX | 305053631 | XXX | 1/23/2026 | Property | Ineligible Property | Ineligible Property | Subject Property square footage is XXX square feet for the XXX XXX Units. Minimum square footage for XX/XX/XXXX units is XXX square feet per guidelines. | XX/XX/XXXX: Team please waive, we're comfortable with the unit sizes as it's market for this geo and also loan close at 65% LTV with max of XXX% allowed and also FICO of XXX | XXX: Waived | FICO XXX x XXX x XXX months reserves | Acknowledged | 1/26/2026 | C | B | C | B | C | B | C | B | C | B | C | B | |
| XXX | XXXXX | 305053631 | XXX | 1/23/2026 | Credit | Insurance | Hazard Insurance Missing or Defective | Rent Loss Coverage Insuffcient: Qualifying Rent: XXX months of rent loss: XXX > XXX rent loss coverage. Please provide Hazard Insurance with upadted rent loss coverage. | XX/XX/XXXX: Team please waive, we're comfortable with the shortfall as its only XXX (we have XXX% coverage) and the loan closed at 65% LTV with max of XXX% allowed and also FICO of XXX | XXX: Waived | FICO XXX x XXX x XXX motnhs reserves | Acknowledged | 1/26/2026 | C | B | C | B | C | B | C | B | C | B | C | B | |
| XXX | XXXXX | 305033924 | XXX-XXX | 1/26/2026 | Credit | No Credit Findings | No Credit Findings | The loan meets all applicable guidelines. | Cleared | 1/26/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||||
| XXX | XXXXX | 305050551 | XXX-XXX | 3/2/2026 | Credit | No Credit Findings | No Credit Findings | The loan meets all applicable guidelines. | Cleared | 3/2/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||||
| XXX | XXXXX | 305066592 | XXX | 3/6/2026 | Credit | Credit | Closing Documentation Missing or Defective | Missing Security Instrument and all necessary Riders. | XXX: Uploaded Security Instrument and Riders | XXX: Received Security Instrument and Riders | Cleared | 3/10/2026 | D | A | D | A | D | A | D | A | D | A | D | A | ||
| XXX | XXXXX | 305066592 | XXX | 3/6/2026 | Credit | Loan Documentation | Deed Missing or Defective | MISSING CONVEYANCE DEED from XXX to XXX | XXX: Deed Uploaded | XXX: Deed Received | Cleared | 3/10/2026 | D | A | D | A | D | A | D | A | D | A | D | A | ||
| XXX | XXXXX | 305050444 | XXX-XXX | 3/6/2026 | Credit | No Credit Findings | No Credit Findings | The loan meets all applicable guidelines. | Cleared | 3/6/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||||
| XXX | XXXXX | 305037614 | XXX | 3/6/2026 | Credit | Title/Lien | Title Insurance Missing or Defective | Missing Supplemental Title Report including lenders name and proposed coverage amount. Please provide updated Supplemental Report, Title Commitment, or Final Title Policy | XXX: Title uploaded | XXX: Received Title | Cleared | 3/9/2026 | C | A | C | A | C | A | C | A | C | A | C | A | ||
| XXX | XXXXX | 305066657 | XXX | 3/11/2026 | Credit | Title/Lien | Title Insurance Missing or Defective | Provided Supplemental Title report includes XXX, but is missing ISAOA clause | XXX: Uploaded updated Supplemental Report | XXX: Received updated Supplemental Report | Cleared | 3/12/2026 | C | A | C | A | C | A | C | A | C | A | C | A | ||
| XXX | XXXXX | 305066514 | XXX-XXX | 3/12/2026 | Credit | No Credit Findings | No Credit Findings | The loan meets all applicable guidelines. | Cleared | 3/12/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||||
| XXX | XXXXX | 305066483 | XXX | 3/13/2026 | Credit | Property Data Collection | Subject Property Lease - Missing or Defective | Missing lease agreement and receipt of 1st months rent/security deposit or evidence of rental listing and vacancy LOE for subject property: XXX XXX | XXX: Lease agreement and receipt of rent/security deposit | XXX: Received lease agreement and receipt of rent/security deposit | Cleared | 3/23/2026 | D | A | D | A | D | A | D | A | D | A | D | A | ||
| XXX | XXXXX | 305066483 | XXX | 3/13/2026 | Credit | Borrower and Mortgage Eligibility | DSCR Minimum Not Met | XXX DSCR < XX/XX/XXXX minimum DSCR required for Core DSCR. Currently using XXX market rents as the subject is vacant and no current lease agreement has been provided. | XXX: Lease Agreement | XXX: Lease agreement received | Cleared | 3/18/2026 | C | A | C | A | C | A | C | A | C | A | C | A | ||
| XXX | XXXXX | 305066651 | XXX | 3/16/2026 | Credit | Title/Lien | Title Insurance Missing or Defective | Title supplement is missing ISAOA after the lender's name. Please provide an update. | XXX: Final title policy | XXX: Received final title policy | Cleared | 4/1/2026 | C | A | C | A | C | A | C | A | C | A | C | A | ||
| XXX | XXXXX | 305078101 | XXX-XXX | 3/20/2026 | Credit | No Credit Findings | No Credit Findings | The loan meets all applicable guidelines. | Cleared | 3/20/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||||
| XXX | XXXXX | 305078043 | XXX-XXX | 3/23/2026 | Credit | No Credit Findings | No Credit Findings | The loan meets all applicable guidelines. | Cleared | 3/23/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||||
| XXX | XXXXX | 305078130 | XXX-XXX | 3/23/2026 | Credit | No Credit Findings | No Credit Findings | The loan meets all applicable guidelines. | Cleared | 3/23/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||||
| XXX | XXXXX | 305078100 | XXX-XXX | 3/23/2026 | Credit | No Credit Findings | No Credit Findings | The loan meets all applicable guidelines. | Cleared | 3/23/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||||
| XXX | XXXXX | 305078108 | XXX-XXX | 3/24/2026 | Credit | No Credit Findings | No Credit Findings | The loan meets all applicable guidelines. | Cleared | 3/24/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||||
| XXX | XXXXX | 305078065 | XXX-XXX | 3/24/2026 | Credit | No Credit Findings | No Credit Findings | The loan meets all applicable guidelines. | Cleared | 3/24/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||||
| XXX | XXXXX | 305078105 | XXX-XXX | 3/24/2026 | Credit | No Credit Findings | No Credit Findings | The loan meets all applicable guidelines. | Cleared | 3/24/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||||
| XXX | XXXXX | 305077946 | XXX-XXX | 3/24/2026 | Credit | No Credit Findings | No Credit Findings | The loan meets all applicable guidelines. | Cleared | 3/24/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||||
| XXX | XXXXX | 305077958 | XXX-XXX | 3/25/2026 | Credit | No Credit Findings | No Credit Findings | The loan meets all applicable guidelines. | Cleared | 3/25/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||||
| XXX | XXXXX | 305078074 | XXX-XXX | 3/25/2026 | Credit | No Credit Findings | No Credit Findings | The loan meets all applicable guidelines. | Cleared | 3/25/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||||
| XXX | XXXXX | 305078029 | XXX-XXX | 3/25/2026 | Credit | No Credit Findings | No Credit Findings | The loan meets all applicable guidelines. | Cleared | 3/25/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||||
| XXX | XXXXX | 305077965 | XXX-XXX | 3/26/2026 | Credit | No Credit Findings | No Credit Findings | The loan meets all applicable guidelines. | Cleared | 3/26/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||||
| XXX | XXXXX | 305077922 | XXX-XXX | 3/26/2026 | Credit | No Credit Findings | No Credit Findings | The loan meets all applicable guidelines. | Cleared | 3/26/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||||
| XXX | XXXXX | 305078056 | XXX-XXX | 3/26/2026 | Credit | No Credit Findings | No Credit Findings | The loan meets all applicable guidelines. | Cleared | 3/26/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||||
| XXX | XXXXX | 305077925 | XXX-XXX | 3/27/2026 | Credit | No Credit Findings | No Credit Findings | The loan meets all applicable guidelines. | Cleared | 3/27/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||||
| XXX | XXXXX | 305077858 | XXX-XXX | 3/30/2026 | Credit | No Credit Findings | No Credit Findings | The loan meets all applicable guidelines. | Cleared | 3/30/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||||
| XXX | XXXXX | 305078060 | XXX | 3/30/2026 | Credit | Insurance | Hazard Insurance Missing or Defective | Missing Hazard Insurance Policy for subject Property: XXX XXX | XXX: Hazard policy | XXX: Hazard policy uploaded | Cleared | 4/1/2026 | D | A | D | A | D | A | D | A | D | A | D | A | ||
| XXX | XXXXX | 305077868 | XXX-XXX | 3/31/2026 | Credit | No Credit Findings | No Credit Findings | The loan meets all applicable guidelines. | Cleared | 3/31/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||||
| XXX | XXXXX | 305078070 | XXX-XXX | 3/31/2026 | Credit | No Credit Findings | No Credit Findings | The loan meets all applicable guidelines. | Cleared | 3/31/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||||
| XXX | XXXXX | 305077962 | XXX-XXX | 4/1/2026 | Credit | No Credit Findings | No Credit Findings | The loan meets all applicable guidelines. | Cleared | 4/1/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||||
| XXX | XXXXX | 305077970 | XXX-XXX | 4/1/2026 | Credit | No Credit Findings | No Credit Findings | The loan meets all applicable guidelines. | Cleared | 4/1/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||||
| XXX | XXXXX | 305078111 | XXX-XXX | 4/2/2026 | Credit | No Credit Findings | No Credit Findings | The loan meets all applicable guidelines. | Cleared | 4/2/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||||
| XXX | XXXXX | 305078137 | XXX-XXX | 4/2/2026 | Credit | No Credit Findings | No Credit Findings | The loan meets all applicable guidelines. | Cleared | 4/2/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||||
| XXX | XXXXX | 305066610 | XXX | 4/7/2026 | Credit | Assets | Insufficient Assets to Close | XXX assets < XXX minimum required to for cash to close and reserve requirements. In addition, we are missing an access letter from XXX XXXXX to XXX XXXXX giving him full access to the funds in their joint accounts with XXX #XXX and XXX #XXX | XXX: Uploaded additional assets | XXX: Received additional assets | Cleared | 4/14/2026 | C | A | C | A | C | A | C | A | C | A | C | A | ||
| XXX | XXXXX | 305077932 | XXX-XXX | 4/8/2026 | Credit | No Credit Findings | No Credit Findings | The loan meets all applicable guidelines. | Cleared | 4/8/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||||
| XXX | XXXXX | 305077879 | XXX-XXX | 4/9/2026 | Credit | No Credit Findings | No Credit Findings | The loan meets all applicable guidelines. | Cleared | 4/9/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||||
| XXX | XXXXX | 305077939 | XXX-XXX | 4/10/2026 | Credit | No Credit Findings | No Credit Findings | The loan meets all applicable guidelines. | Cleared | 4/15/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||||
| XXX | XXXXX | 305077914 | XXX-XXX | 4/13/2026 | Credit | No Credit Findings | No Credit Findings | The loan meets all applicable guidelines. | Cleared | 5/20/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||||
| XXX | XXXXX | 305095369 | XXX-XXX | 4/14/2026 | Credit | No Credit Findings | No Credit Findings | The loan meets all applicable guidelines. | Cleared | 4/14/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||||
| XXX | XXXXX | 305095326 | XXX-XXX | 4/14/2026 | Credit | No Credit Findings | No Credit Findings | The loan meets all applicable guidelines. | Cleared | 4/14/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||||
| XXX | XXXXX | 305088744 | XXX-XXX | 4/15/2026 | Credit | No Credit Findings | No Credit Findings | The loan meets all applicable guidelines. | Cleared | 4/15/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||||
| XXX | XXXXX | 305077791 | XXX-XXX | 4/15/2026 | Credit | No Credit Findings | No Credit Findings | The loan meets all applicable guidelines. | Cleared | 4/15/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||||
| XXX | XXXXX | 305076983 | XXX-XXX | 4/15/2026 | Credit | No Credit Findings | No Credit Findings | The loan meets all applicable guidelines. | Cleared | 4/15/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||||
| XXX | XXXXX | 305078064 | XXX-XXX | 4/16/2026 | Credit | No Credit Findings | No Credit Findings | The loan meets all applicable guidelines. | Cleared | 4/16/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||||
| XXX | XXXXX | 305095356 | XXX-XXX | 4/16/2026 | Credit | No Credit Findings | No Credit Findings | The loan meets all applicable guidelines. | Cleared | 4/16/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||||
| XXX | XXXXX | 305095265 | XXX-XXX | 4/17/2026 | Credit | No Credit Findings | No Credit Findings | The loan meets all applicable guidelines. | Cleared | 4/17/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||||
| XXX | XXXXX | 305095279 | XXX | 4/17/2026 | Credit | No Credit Findings | No Credit Findings | The loan meets all applicable guidelines. | Cleared | 4/17/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||||
| XXX | XXXXX | 305095247 | XXX | 4/17/2026 | Credit | Credit | Subject Property Lease - Missing or Defective | LTV is 80% for a no cash-out refinance. Please provide the lease agreement for Unit XXX For Unit XXX if vacant, provide an LOE explaining the vacancy and evidence it is being marketed for rent. If occupied, provide proof of active rental. | XXX: Uploaded Lease Agreements | XXX: Received Lease Agreements | Cleared | 4/20/2026 | D | A | D | A | D | A | D | A | D | A | D | A | ||
| XXX | XXXXX | 305078049 | XXX | 4/17/2026 | Credit | Title/Lien | Title Insurance Coverage - XXX Coverage | XXX title coverage < XXX minimum coverage required. Please provide an update title commitment or supplement. | XXX: Updated Title Coverage | XXX: Updated Title Coverage | Cleared | 4/20/2026 | C | A | C | A | C | A | C | A | C | A | C | A | ||
| XXX | XXXXX | 305095353 | XXX | 4/17/2026 | Credit | Property Data Collection | Subject Property Lease - Missing or Defective | Missing lease agreements for all XXX units of the subject: XXX XXX. Per guidelines, lease agreements are required when the LTV is over XXX% | XXX: Uploaded Lease Agreements | XXX: Received Lease Agreements | Cleared | 4/20/2026 | D | A | D | A | D | A | D | A | D | A | D | A | ||
| XXX | XXXXX | 305077952 | XXX-XXX | 4/20/2026 | Credit | No Credit Findings | No Credit Findings | The loan meets all applicable guidelines. | Cleared | 4/20/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||||
| XXX | XXXXX | 305095226 | XXX-XXX | 4/20/2026 | Credit | No Credit Findings | No Credit Findings | The loan meets all applicable guidelines. | Cleared | 4/20/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||||
| XXX | XXXXX | 305095339 | XXX | 4/21/2026 | Credit | Credit | Credit Report Aged | Credit report aged XXX days > XXX days allowed. Please provide updated credit report for borrower: XXX XXXXX | XXX: Exception Waiver | XXX: Exception Waiver received | DSCR > XXX C/O covers XXX mo of reserves, Experiences investor | Acknowledged | 5/5/2026 | C | B | C | B | C | B | C | B | C | B | C | B | |
| XXX | XXXXX | 305095339 | XXX | 4/21/2026 | Property | Appraisal | Appraisal Missing or Defective | Missing 1004D reflecting the required repairs have been completed on the subject property as indicated in the appraisal report: XXX XXX XXX | XXX: 1004D | XXX: 1004D received | Cleared | 4/24/2026 | D | A | D | A | D | A | D | A | D | A | D | A | ||
| XXX | XXXXX | 305095339 | XXX | 4/21/2026 | Credit | Property Data Collection | Subject Property Lease - Missing or Defective | Missing LOE for subject vacancy: XXX XXX XXX | XXX: Vacancy LOE | XXX: Vacancy LOE received | Cleared | 4/24/2026 | C | A | C | A | C | A | C | A | C | A | C | A | ||
| XXX | XXXXX | 305095314 | XXX-XXX | 4/22/2026 | Credit | No Credit Findings | No Credit Findings | The loan meets all applicable guidelines. | Cleared | 4/22/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||||
| XXX | XXXXX | 305101932 | XXX-XXX | 4/23/2026 | Credit | No Credit Findings | No Credit Findings | The loan meets all applicable guidelines. | Cleared | 4/23/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||||
| XXX | XXXXX | 305076972 | XXX | 4/27/2026 | Credit | Loan Documentation | Deed Missing or Defective | MISSING CONVEYANCE DEED from XXX XXXXX to XXX | XXX: Deed uploaded | XXX: Received Deed | Cleared | 4/28/2026 | D | A | D | A | D | A | D | A | D | A | D | A | ||
| XXX | XXXXX | 305095164 | XXX-XXX | 4/28/2026 | Credit | No Credit Findings | No Credit Findings | The loan meets all applicable guidelines. | Cleared | 4/28/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||||
| XXX | XXXXX | 305088310 | XXX | 4/28/2026 | Credit | Property Data Collection | Subject Property Lease - Missing or Defective | Missing lease agreements for all units: XXX XXX | XXX: Lease agreements | XXX: Lease agreements received | Cleared | 5/5/2026 | D | A | D | A | D | A | D | A | D | A | D | A | ||
| XXX | XXXXX | 305095263 | XXX-XXX | 4/28/2026 | Credit | No Credit Findings | No Credit Findings | The loan meets all applicable guidelines. | Cleared | 4/28/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||||
| XXX | XXXXX | 305089022 | XXX | 4/28/2026 | Credit | Property Data Collection | Subject Property Lease - Missing or Defective | Missing lease agreement for the subject: XXX XXX. Per guidelines, lease agreements are required when the LTV is over XXX% | XXX: Lease Agreement | XXX: Lease Agreement received | Cleared | 4/30/2026 | D | A | D | A | D | A | D | A | D | A | D | A | ||
| XXX | XXXXX | 305102755 | XXX | 4/28/2026 | Property | Appraisal | Appraisal Aged | Appraisal aged XXX days > maximum XXX days. Subject appraisal dated XXX/XXX/XXX: XXX XXX | XXX: New appraisal report | XXX: New appraisal report received | Cleared | 4/30/2026 | C | A | C | A | C | A | C | A | C | A | C | A | ||
| XXX | XXXXX | 305102755 | XXX | 4/28/2026 | Credit | Property Data Collection | Subject Property Lease - Missing or Defective | Missing receipt of 1st month's rent and security deposit for the subject new lease agreement: XXX XXX | XXX: Receipt of rent and security deposit | XXX: Receipt of rent and security deposit received | Cleared | 4/30/2026 | D | A | D | A | D | A | D | A | D | A | D | A | ||
| XXX | XXXXX | 305102735 | XXX-XXX | 4/29/2026 | Credit | No Credit Findings | No Credit Findings | The loan meets all applicable guidelines. | Cleared | 4/29/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||||
| XXX | XXXXX | 305065252 | XXX | 4/29/2026 | Credit | Loan Documentation | Closing Disclosure/Settlement Statement Missing or Defective | Missing final settlement Statement/HUD for subject: XXX-XXX XXX | XXX: Final Settlement Statement | XXX: Final Settlement Statement received | Cleared | 4/30/2026 | D | A | D | A | D | A | D | A | D | A | D | A | ||
| XXX | XXXXX | 305088849 | XXX | 4/29/2026 | Credit | Borrower and Mortgage Eligibility | Non-Arms Length Transaction | Missing XXX-month mortgage history on existing mortgage securing subject property confirming the sale is not a foreclosure bailout: XXX XXX. | XXX: Property profile | XXX: Property profile received | Cleared | 5/5/2026 | D | A | D | A | D | A | D | A | D | A | D | A | ||
| XXX | XXXXX | 305095248 | XXX-XXX | 4/29/2026 | Credit | No Credit Findings | No Credit Findings | The loan meets all applicable guidelines. | Cleared | 4/29/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||||
| XXX | XXXXX | 305088849 | XXX | 4/29/2026 | Credit | Assets | Asset Documentation Missing or Defective | Missing Gift Letter for XXX git of equity from seller | XXX: Gift Letter | XXX: Gift Letter received | Cleared | 4/30/2026 | D | A | D | A | D | A | D | A | D | A | D | A | ||
| XXX | XXXXX | 305102799 | XXX | 4/30/2026 | Credit | Loan Documentation | Excessive LTV Ratio | 80.00% LTV >XXX% Max LTV for subject property in declining market. | XXX: Uploaded Exception | XXX: Received Exception | FICO > XXX Experienced Investor, > XXX mos reserves | Acknowledged | 5/8/2026 | C | B | C | B | C | B | C | B | C | B | C | B | |
| XXX | XXXXX | 305088305 | XXX | 4/30/2026 | Credit | Title/Lien | Title Insurance Coverage - XXX Coverage | Title coverage of XXX < XXX minimum required amount. Please provide an updated title report of supplement. | XXX: Title Report | XXX: Title Report received | Cleared | 4/30/2026 | C | A | C | A | C | A | C | A | C | A | C | A | ||
| XXX | XXXXX | 305088765 | XXX-XXX | 5/1/2026 | Credit | No Credit Findings | No Credit Findings | The loan meets all applicable guidelines. | Cleared | 5/1/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||||
| XXX | XXXXX | 305102540 | XXX | 5/2/2026 | Credit | Credit | Note Missing or Defective | Missing Prepayment Addendum to Note | XXX: PPP Addendum | XXX: PPP Addendum received | Cleared | 5/5/2026 | D | A | D | A | D | A | D | A | D | A | D | A | ||
| XXX | XXXXX | 305095294 | XXX-XXX | 5/1/2026 | Credit | No Credit Findings | No Credit Findings | The loan meets all applicable guidelines. | Cleared | 5/1/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||||
| XXX | XXXXX | 305077792 | XXX-XXX | 5/2/2026 | Credit | No Credit Findings | No Credit Findings | The loan meets all applicable guidelines. | Cleared | 5/2/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||||
| XXX | XXXXX | 305088307 | XXX-XXX | 5/1/2026 | Credit | No Credit Findings | No Credit Findings | The loan meets all applicable guidelines. | Cleared | 5/1/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||||
| XXX | XXXXX | 305102738 | XXX | 5/2/2026 | Credit | Loan Documentation | Entity Documentation - Missing or Defective | Missing Operating Agreement for XXX to show the borrower's ownership interest and ability to use the assets in XXX acct #XXX | XXX: Entity docs | XXX: Entity docs received | Cleared | 5/15/2026 | D | A | D | A | D | A | D | A | D | A | D | A | ||
| XXX | XXXXX | 305095312 | XXX-XXX | 5/4/2026 | Credit | No Credit Findings | No Credit Findings | The loan meets all applicable guidelines. | Cleared | 5/4/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||||
| XXX | XXXXX | 305089016 | XXX-XXX | 5/4/2026 | Credit | No Credit Findings | No Credit Findings | The loan meets all applicable guidelines. | Cleared | 5/4/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||||
| XXX | XXXXX | 305047761 | XXX-XXX | 5/6/2026 | Credit | No Credit Findings | No Credit Findings | The loan meets all applicable guidelines. | Cleared | 5/18/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||||
| XXX | XXXXX | 305095330 | XXX-XXX | 5/6/2026 | Credit | No Credit Findings | No Credit Findings | The loan meets all applicable guidelines. | Cleared | 5/6/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||||
| XXX | XXXXX | 305102797 | XXX-XXX | 5/6/2026 | Credit | No Credit Findings | No Credit Findings | The loan meets all applicable guidelines. | Cleared | 5/6/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||||
| XXX | XXXXX | 305095282 | XXX-XXX | 5/6/2026 | Credit | No Credit Findings | No Credit Findings | The loan meets all applicable guidelines. | Cleared | 5/6/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||||
| XXX | XXXXX | 305102779 | XXX-XXX | 5/7/2026 | Credit | No Credit Findings | No Credit Findings | The loan meets all applicable guidelines. | Cleared | 5/7/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||||
| XXX | XXXXX | 305102691 | XXX-XXX | 5/7/2026 | Credit | No Credit Findings | No Credit Findings | The loan meets all applicable guidelines. | Cleared | 5/7/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||||
| XXX | XXXXX | 305088692 | XXX-XXX | 5/7/2026 | Credit | No Credit Findings | No Credit Findings | The loan meets all applicable guidelines. | Cleared | 5/7/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||||
| XXX | XXXXX | 305088312 | XXX-XXX | 5/6/2026 | Credit | No Credit Findings | No Credit Findings | The loan meets all applicable guidelines. | Cleared | 5/6/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||||
| XXX | XXXXX | 305101931 | XXX | 5/6/2026 | Property | Insurance | Hazard Insurance Missing or Defective | Hazard policy is missing lender's name and mortgagee clause: XXX XXX. | XXX: HOI uploaded | XXX: Received HOI | Cleared | 5/13/2026 | C | A | C | A | C | A | C | A | C | A | C | A | ||
| XXX | XXXXX | 305101931 | XXX | 5/6/2026 | Credit | Title/Lien | Deed Missing or Defective | MISSING CONVEYANCE DEED from: XXX to XXX | XXX: Deed | XXX: Received Deed | Cleared | 5/7/2026 | D | A | D | A | D | A | D | A | D | A | D | A | ||
| XXX | XXXXX | 305088923 | XXX-XXX | 5/6/2026 | Credit | No Credit Findings | No Credit Findings | The loan meets all applicable guidelines. | Cleared | 5/6/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||||
| XXX | XXXXX | 305102593 | XXX-XXX | 5/11/2026 | Credit | No Credit Findings | No Credit Findings | The loan meets all applicable guidelines. | Cleared | 5/11/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||||
| XXX | XXXXX | 305102597 | XXX-XXX | 5/11/2026 | Credit | No Credit Findings | No Credit Findings | The loan meets all applicable guidelines. | Cleared | 5/11/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||||
| XXX | XXXXX | 305088773 | XXX-XXX | 5/11/2026 | Credit | No Credit Findings | No Credit Findings | The loan meets all applicable guidelines. | Cleared | 5/11/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||||
| XXX | XXXXX | 305078040 | XXX-XXX | 5/11/2026 | Credit | No Credit Findings | No Credit Findings | The loan meets all applicable guidelines. | Cleared | 5/11/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||||
| XXX | XXXXX | 305102769 | XXX-XXX | 5/11/2026 | Credit | No Credit Findings | No Credit Findings | The loan meets all applicable guidelines. | Cleared | 5/11/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||||
| XXX | XXXXX | 305101930 | XXX | 5/11/2026 | Property | Appraisal | Appraisal Review - Missing | Missing Appraisal Review (BPO) for subject property: XXX XXX | XXX: Appraisal Review uploaded | XXX: Received Appraisal Review | Cleared | 5/12/2026 | D | A | D | A | D | A | D | A | D | A | D | A | ||
| XXX | XXXXX | 305102822 | XXX-XXX | 5/11/2026 | Credit | No Credit Findings | No Credit Findings | The loan meets all applicable guidelines. | Cleared | 5/11/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||||
| XXX | XXXXX | 305102610 | XXX-XXX | 5/14/2026 | Credit | No Credit Findings | No Credit Findings | The loan meets all applicable guidelines. | Cleared | 5/14/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||||
| XXX | XXXXX | 305102598 | XXX | 5/14/2026 | Credit | Property Data Collection | Subject Property Lease - Missing or Defective | Missing Lease Agreement and receipt of 1st month's rent and security deposit for the subject: XXX XXX. Per guidelines, lease agreements are required when the LTV is over XXX% In addition, the UW has qualified the borrowe with lease rent, without it the DSCR < XX/XX/XXXX minimum required. | XXX: Lease Agreement and receipt of security deposit and 1st month's rent | XXX: Lease Agreement and receipt of security deposit and 1st month's rent received | Cleared | 5/22/2026 | D | A | D | A | D | A | D | A | D | A | D | A | ||
| XXX | XXXXX | 305101929 | XXX | 5/14/2026 | Credit | No Credit Findings | No Credit Findings | The loan meets all applicable guidelines. | Cleared | 5/15/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||||
| XXX | XXXXX | 305088302 | XXX-XXX | 5/14/2026 | Credit | No Credit Findings | No Credit Findings | The loan meets all applicable guidelines. | Cleared | 5/14/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||||
| XXX | XXXXX | 305101926 | XXX-XXX | 5/15/2026 | Credit | No Credit Findings | No Credit Findings | The loan meets all applicable guidelines. | Cleared | 5/15/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||||
| XXX | XXXXX | 305102768 | XXX-XXX | 5/15/2026 | Credit | No Credit Findings | No Credit Findings | The loan meets all applicable guidelines. | Cleared | 5/15/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||||
| XXX | XXXXX | 305088308 | XXX-XXX | 5/19/2026 | Credit | No Credit Findings | No Credit Findings | The loan meets all applicable guidelines. | Cleared | 5/19/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||||
| XXX | XXXXX | 305102689 | XXX-XXX | 5/19/2026 | Credit | No Credit Findings | No Credit Findings | The loan meets all applicable guidelines. | Cleared | 5/19/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||||
| XXX | XXXXX | 305101927 | XXX-XXX | 5/19/2026 | Credit | No Credit Findings | No Credit Findings | The loan meets all applicable guidelines. | Cleared | 5/19/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||||
| XXX | XXXXX | 305088301 | XXX-XXX | 5/20/2026 | Credit | No Credit Findings | No Credit Findings | The loan meets all applicable guidelines. | Cleared | 5/20/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||||
| XXX | XXXXX | 305128463 | XXX-XXX | 5/20/2026 | Credit | No Credit Findings | No Credit Findings | The loan meets all applicable guidelines. | Cleared | 5/20/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||||
| XXX | XXXXX | 305128365 | XXX-XXX | 5/20/2026 | Credit | No Credit Findings | No Credit Findings | The loan meets all applicable guidelines. | Cleared | 5/20/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||||
| XXX | XXXXX | 305102539 | XXX-XXX | 5/21/2026 | Credit | No Credit Findings | No Credit Findings | The loan meets all applicable guidelines. | Cleared | 5/21/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||||
| XXX | XXXXX | 305122635 | XXX-XXX | 5/21/2026 | Credit | No Credit Findings | No Credit Findings | The loan meets all applicable guidelines. | Cleared | 5/21/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||||
| XXX | XXXXX | 305095064 | XXX-XXX | 5/26/2026 | Credit | No Credit Findings | No Credit Findings | The loan meets all applicable guidelines. | Cleared | 5/27/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||||
| XXX | XXXXX | 305095062 | XXX-XXX | 5/27/2026 | Credit | No Credit Findings | No Credit Findings | The loan meets all applicable guidelines. | Cleared | 5/27/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||||
| XXX | XXXXX | 305095063 | XXX | 5/26/2026 | Credit | Title/Lien | Title Insurance Missing or Defective | Missing partial release for the mortgage listed on Schedule B, Part XXX Item XXX | XXX: Email verification uploaded | XXX: Received email verification | Cleared | 6/1/2026 | D | A | D | A | D | A | D | A | D | A | D | A | ||
| XXX | XXXXX | 305095069 | XXX | 5/26/2026 | Credit | Title/Lien | Title Insurance Missing or Defective | Missing partial release for the mortgage listed on Schedule B, Part XXX Item XXX | XXX: Email verification uploaded | XXX: Received email verification | Cleared | 6/1/2026 | D | A | D | A | D | A | D | A | D | A | D | A | ||
| XXX | XXXXX | 305095059 | XXX-XXX | 5/27/2026 | Credit | No Credit Findings | No Credit Findings | The loan meets all applicable guidelines. | Cleared | 5/27/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||||
| XXX | XXXXX | 305095058 | XXX-XXX | 5/26/2026 | Credit | No Credit Findings | No Credit Findings | The loan meets all applicable guidelines. | Cleared | 5/26/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||||
| XXX | XXXXX | 305095057 | XXX | 5/26/2026 | Credit | Title/Lien | Title Insurance Missing or Defective | Missing partial release for the mortgage listed on Schedule B, Part XXX Item XXX | XXX: Email Confirmation | XXX: Received email confirmation that Title Agency will remove item from exceptions | Cleared | 5/28/2026 | D | A | D | A | D | A | D | A | D | A | D | A | ||
| XXX | XXXXX | 305095060 | XXX-XXX | 5/27/2026 | Credit | No Credit Findings | No Credit Findings | The loan meets all applicable guidelines. | Cleared | 5/27/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||||
| XXX | XXXXX | 305102809 | XXX-XXX | 5/27/2026 | Credit | No Credit Findings | No Credit Findings | The loan meets all applicable guidelines. | Cleared | 5/27/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||||
| XXX | XXXXX | 305128098 | XXX-XXX | 5/28/2026 | Credit | No Credit Findings | No Credit Findings | The loan meets all applicable guidelines. | Cleared | 5/28/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||||
| XXX | XXXXX | 305134226 | XXX-XXX | 5/27/2026 | Credit | No Credit Findings | No Credit Findings | The loan meets all applicable guidelines. | Cleared | 5/27/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||||
| XXX | XXXXX | 305128306 | XXX-XXX | 5/28/2026 | Credit | No Credit Findings | No Credit Findings | The loan meets all applicable guidelines. | Cleared | 5/28/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||||
| XXX | XXXXX | 304425257 | XXX | 10/17/2024 | Property | No Property Findings | Appraisal Review - Missing | Missing Appraisal review for subject property located at: XXX XXX | Hi, please see attached Appraisal Review. | XXX: Received appraisal review. | Cleared | 10/24/2024 | D | A | D | A | D | A | D | A | D | A | D | A | ||
| XXX | XXXXX | 304731630 | XXX-XXX | 6/27/2025 | Credit | No Credit Findings | No Credit Findings | The loan meets all applicable guidelines | Cleared | 6/27/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||||
| XXX | XXXXX | 305102837 | XXX-XXX | 7/17/2025 | Credit | No Credit Findings | No Credit Findings | The loan meets all applicable guidelines | Cleared | 7/17/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||||
| XXX | XXXXX | 304859735 | XXX | 10/20/2025 | Credit | Loan Documentation | Sales Contract Missing or Defective | Provided Purchase Agreement is unexecuted. Please provide signed copy of Purchase Agreement. | XXX: Purchase agreement | XXX: Signed Purchase agreement received | Cleared | 11/4/2025 | C | A | C | A | C | A | C | A | C | A | C | A | ||
| XXX | XXXXX | 304859735 | XXX | 10/20/2025 | Credit | Loan Documentation | Estoppel Certificate Missing or Defective | Missing Tenant Estoppel Certificate | XXX: Exception approval uploaded | XXX: Exception approval received | DSCR > XXX Verified > XXX mo reserves, Clean mgt history verified 0x30 for over XXX months, Experienced investor | Acknowledged | 1/9/2026 | D | B | D | B | D | B | D | B | D | B | D | B | |
| XXX | XXXXX | 304495519 | XXX-XXX | 2/3/2025 | Credit | No Credit Findings | No Credit Findings | The loan meets all applicable guidelines | Cleared | 2/3/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||||
| XXX | XXXXX | 304866893 | XXX | 10/10/2025 | Credit | Title/Lien | Title Insurance Missing or Defective | Commitment Title Schedule A XXX(b) is MISSING MORTGAGEe clause after lender's name. Please provide updated title policy with ISAOA/ATIMA verbiage | XXX: Title uploaded | XXX: Received Title | Resolved | 10/16/2025 | C | A | C | A | C | A | C | A | C | A | C | A | ||
| XXX | XXXXX | 304866925 | FCOM9186 | 11/14/2025 | Compliance | Missing Doc | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. The eSigned documents consent is missing. Nothing in file to reflect the initial e-signature dated on or before XXX/XXX/XXX. | Document Uploaded. | Evidence of eConsent is provided. | 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. | Resolved | 11/14/2025 | B | A | B | A | B | A | B | A | B | A | B | A | |
| XXX | XXXXX | 304866925 | FCRE9995 | 11/14/2025 | Credit | Assets | Audited Reserves are less than Guideline Required Reserves (Dollar Amount) | Audited Reserves of XXX are less than Guideline Required Reserves of $XXX. The most recent asset Statements verify reserves in the amount of XXX required reserves based on XXX months are XXX The assets are insufficient. | Document Uploaded. ; Document Uploaded. ; Borrower verified funds plus the gift = XXX Funds to close plus reserves = XXX Borrower has more than sufficient funds for closing plus reserves. ; Document Uploaded. ; Document Uploaded. | Received approved lender exception request; Requesting exception for XXX mos reserves. Borrower has a great income stream with very solid residual income with low DTI. Overall XXX borrower with stable recurring income. LG Exception approved for short reserves. Low DTI, high discretionary income. Compensating factors; DTI>XXX% below program requirement. High discretionary income. ; Lender exception received does not reflect a decision by XXX. Decision section of the Exception form is blank. Condition remains.; A re-review of the final CD indicates cash to close of XXX was calculated after gift funds credit of XXX was applied. Verified assets of XXX per asset acct#XXX is not sufficient for funds to close of XXX (per final CD) and XXX months reserves of $XXX. Assets are short by XXX for reserves. Condition remains.; Gift letters and evidence of gift receipts received. The final CD indicate the gift funds were applied – Other credits $XXX. The final cash to close on the CD is $XXX. Verified assets of XXX per asset acct#XXX is not sufficient for funds to close of XXX (per final CD) and XXX months reserves of $XXX. Assets are short by XXX for reserves. Condition remains. ; Verified assets of XXX per asset acct#XXX is not sufficient for funds to close of XXX (per final CD) and XXX months reserves of $XXX. Assets are short by XXX for reserves. | 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. | Acknowledged | No | C | B | C | B | C | B | C | B | C | B | C | B | |
| XXX | XXXXX | 304866925 | FCRE1198 | 11/14/2025 | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Audited Reserves of XX/XX/XXXX month(s) are less than Guideline Required Reserves of XXX month(s) The file verifies reserves covering XX/XX/XXXX months, the required number of Reserves per the Guidelines is XXX Months. Provided funds are insufficient to cover the reserves. | Document Uploaded. ; Document Uploaded. ; Borrower verified funds plus the gift = XXX Funds to close plus reserves = XXX Borrower has more than sufficient funds for closing plus reserves. ; Document Uploaded. ; Document Uploaded. | Received approved lender exception request; Requesting exception for XXX mos reserves. Borrower has a great income stream with very solid residual income with low DTI. Overall XXX borrower with stable recurring income. LG Exception approved for short reserves. Low DTI, high discretionary income. Compensating factors; DTI>XXX% below program requirement. High discretionary income. ; Lender exception received does not reflect a decision by XXX. Decision section of the Exception form is blank. Condition remains.; A re-review of the final CD indicates cash to close of XXX was calculated after gift funds credit of XXX was applied. Verified assets of XXX per asset acct#XXX is not sufficient for funds to close of XXX (per final CD) and XXX months reserves of $XXX. Assets are short by XXX for reserves. Condition remains.; Gift letters and evidence of gift receipts received. The final CD indicate the gift funds were applied – Other credits $XXX. The final cash to close on the CD is $XXX. Verified assets of XXX per asset acct#XXX is not sufficient for funds to close of XXX (per final CD) and XXX months reserves of $XXX. Assets are short by XXX for reserves. Condition remains. ; Verified assets of XXX per asset acct#XXX is not sufficient for funds to close of XXX (per final CD) and XXX months reserves of $XXX. Assets are short by XXX for reserves. | 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. | Acknowledged | No | C | B | C | B | C | B | C | B | C | B | C | B | |
| XXX | XXXXX | 304866925 | finding-XXX | 10/24/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML with established XXX and met appraisal requirements, therefore, downgraded to grade A. This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | HPML compliant | 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. | Resolved | 10/24/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 304866925 | FPRO8998 | 10/24/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | HPML compliant; Cleared | 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. | Resolved | 10/24/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 304904666 | FCOM3596 | 2/26/2026 | Credit | Missing Doc | Missing Prepayment Rider | Missing PPP addendum to note, PPP amount estimated from Rate Lock and final CD. Terms may be subject to change upon receipt of missing addendum. | Document Uploaded. PPP addendum, rider and LOI | ; PPP note addendum and deed with PPP | 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 32.22% is less than Guideline CLTV of 70% | XXX is Below the Guideline Maximum - Calculated LTV of 32.22% is less than Guideline LTV of 70% | Resolved | 2/26/2026 | D | A | D | A | D | A | D | A | D | A | D | A | |
| XXX | XXXXX | 304904666 | FPRO8998 | 12/5/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only; Informational Only | 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 32.22% is less than Guideline CLTV of 70% | XXX is Below the Guideline Maximum - Calculated LTV of 32.22% is less than Guideline LTV of 70% | Resolved | 12/5/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 304904666 | FCOM8997 | 12/5/2025 | Compliance | Data | No Compliance Findings | Transaction meets BP guidelines. Transaction is a DSCR cash out refinance and is exempt from TRID/QM. The loan is in compliance with all applicable laws and regulations. | Informational Only; Informational Only | 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 32.22% is less than Guideline CLTV of 70% | XXX is Below the Guideline Maximum - Calculated LTV of 32.22% is less than Guideline LTV of 70% | Resolved | 12/5/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 304892959 | FCOM8997 | 12/12/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | 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. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 63.07% is less than Guideline CLTV of 85% | XXX is Below the Guideline Maximum - Calculated LTV of 63.07% is less than Guideline LTV of 85% | Resolved | 12/12/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 304892959 | FCRE8999 | 12/12/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | 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. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 63.07% is less than Guideline CLTV of 85% | XXX is Below the Guideline Maximum - Calculated LTV of 63.07% is less than Guideline LTV of 85% | Resolved | 12/12/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 304892959 | FPRO8998 | 12/12/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | 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. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 63.07% is less than Guideline CLTV of 85% | XXX is Below the Guideline Maximum - Calculated LTV of 63.07% is less than Guideline LTV of 85% | Resolved | 12/12/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 304902423 | FCOM8997 | 12/11/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | HPML compliant; Cleared | 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 80% is less than Guideline CLTV of 90% | XXX is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% | Resolved | 12/11/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 304902423 | FCRE8999 | 12/11/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | HPML compliant; Cleared | 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 80% is less than Guideline CLTV of 90% | XXX is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% | Resolved | 12/11/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 304902423 | FPRO8998 | 12/11/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | HPML compliant; Cleared | 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 80% is less than Guideline CLTV of 90% | XXX is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% | Resolved | 12/11/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305035608 | FCOM8997 | 1/9/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 1/9/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305035608 | FCRE8999 | 1/9/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 1/9/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305035608 | FPRO8998 | 1/9/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 1/9/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305035699 | FCRE8999 | 1/13/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 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. | Resolved | 1/13/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305035699 | FPRO8998 | 1/13/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 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. | Resolved | 1/13/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305035699 | FCOM8997 | 1/13/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 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. | Resolved | 1/13/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305092283 | FCOM8997 | 2/24/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | Resolved | 2/24/2026 | A | A | A | A | A | A | A | A | A | A | A | A | |||
| XXX | XXXXX | 305092283 | FCRE8999 | 2/24/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | Resolved | 2/24/2026 | A | A | A | A | A | A | A | A | A | A | A | A | |||
| XXX | XXXXX | 305092283 | FPRO8998 | 2/24/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | Resolved | 2/24/2026 | A | A | A | A | A | A | A | A | A | A | A | A | |||
| XXX | XXXXX | 305064009 | FCRE8999 | 2/25/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | XXX is Below the Guideline Maximum - Calculated LTV of 50.13% is less than Guideline LTV of 75% | 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 50.13% is less than Guideline CLTV of 75% | Resolved | 2/25/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305064009 | FPRO8998 | 2/25/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | XXX is Below the Guideline Maximum - Calculated LTV of 50.13% is less than Guideline LTV of 75% | 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 50.13% is less than Guideline CLTV of 75% | Resolved | 2/25/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305064009 | FCOM8997 | 2/25/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | XXX is Below the Guideline Maximum - Calculated LTV of 50.13% is less than Guideline LTV of 75% | 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 50.13% is less than Guideline CLTV of 75% | Resolved | 2/25/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305064005 | FCRE8999 | 2/25/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 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. | XXX is Below the Guideline Maximum - Calculated LTV of 60% 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% | Resolved | 2/25/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305064005 | FPRO8998 | 2/25/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 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. | XXX is Below the Guideline Maximum - Calculated LTV of 60% 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% | Resolved | 2/25/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305064005 | FCOM8997 | 2/25/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 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. | XXX is Below the Guideline Maximum - Calculated LTV of 60% 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% | Resolved | 2/25/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305064001 | FCRE8999 | 2/25/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | XXX is Below the Guideline Maximum - Calculated LTV of 59.38% is less than Guideline LTV of 75% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 59.38% is less than Guideline CLTV of 75% | Resolved | 2/25/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305064001 | FPRO8998 | 2/25/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | XXX is Below the Guideline Maximum - Calculated LTV of 59.38% is less than Guideline LTV of 75% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 59.38% is less than Guideline CLTV of 75% | Resolved | 2/25/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305064001 | FCOM8997 | 2/25/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | XXX is Below the Guideline Maximum - Calculated LTV of 59.38% is less than Guideline LTV of 75% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 59.38% is less than Guideline CLTV of 75% | Resolved | 2/25/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305063996 | FCRE8999 | 2/25/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 73.44% is less than Guideline CLTV of 85% | XXX is Below the Guideline Maximum - Calculated LTV of 73.44% is less than Guideline LTV of 85% | Resolved | 2/25/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305063996 | FCOM8997 | 2/25/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 73.44% is less than Guideline CLTV of 85% | XXX is Below the Guideline Maximum - Calculated LTV of 73.44% is less than Guideline LTV of 85% | Resolved | 2/25/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305063996 | FPRO8998 | 2/25/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 73.44% is less than Guideline CLTV of 85% | XXX is Below the Guideline Maximum - Calculated LTV of 73.44% is less than Guideline LTV of 85% | Resolved | 2/25/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305063984 | FCRE8999 | 2/25/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | Resolved | 2/25/2026 | A | A | A | A | A | A | A | A | A | A | A | A | |||
| XXX | XXXXX | 305063984 | FPRO8998 | 2/25/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | Resolved | 2/25/2026 | A | A | A | A | A | A | A | A | A | A | A | A | |||
| XXX | XXXXX | 305063984 | FCOM8997 | 2/25/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | Resolved | 2/25/2026 | A | A | A | A | A | A | A | A | A | A | A | A | |||
| XXX | XXXXX | 305063979 | FCRE3653 | 2/27/2026 | Credit | Missing Doc | Missing letter of explanation | For cash-out transactions, Guidelines require borrowers indicate the purpose of the cash-out proceeds. In addition, the Borrower Certification of Business Purpose States the borrowers shall provide a letter of explanation for their intended use for any cash proceeds from the transaction, indicating none of the proceeds will be used for personal, family or household purposes. A Letter of Explanation from the borrowers indicating the purpose of the cash-out proceeds is required. | Document Uploaded. | Documentation is sufficient. LOE provided. Exception resolved. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 2/27/2026 | D | A | D | A | D | A | D | A | D | A | D | A | |
| XXX | XXXXX | 305063979 | FPRO8998 | 2/25/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 2/25/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305063979 | FCOM8997 | 2/25/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 2/25/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305063973 | FCRE1194 | 3/3/2026 | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Audited LTV of 76.14% exceeds Guideline LTV of 75% The lender approved loan with an appraisal value of XXX however the appraisal and desk review in the loan file is XXX which exceeds the 75% LTV/HLTV/CLTV Maximum. Lender to address appraisal value and LTV/HLTV and CLTV not meet guidelines maximum of XXX% | Document Uploaded. value is at XXX | Documentation is sufficient. Updated Appraisal and Desk Review provided. Exception resolved.; Audited LTV of 75% is less than or equal to Guideline LTV of 75% | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 3/3/2026 | C | A | C | A | C | A | C | A | C | A | C | A | |
| XXX | XXXXX | 305063973 | FCRE1196 | 3/3/2026 | Credit | Eligibility | Audited HCLTV Exceeds Guideline HCLTV | Audited HLTV of 76.14% exceeds Guideline HCLTV of 75% The lender approved loan with an appraisal value of XXX however the appraisal and desk review in the loan file is XXX which exceeds the 75% LTV/HLTV/CLTV Maximum. Lender to address appraisal value and LTV/HLTV and CLTV not meet guidelines maximum of XXX% | Document Uploaded. | Documentation is sufficient. Updated Appraisal and Desk Review provided. Exception resolved.; Audited HLTV of 75% is less than or equal to Guideline HCLTV of 75% | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 3/3/2026 | C | A | C | A | C | A | C | A | C | A | C | A | |
| XXX | XXXXX | 305063973 | FCRE1195 | 3/3/2026 | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV | Audited CLTV of 76.14% exceeds Guideline CLTV of 75% The lender approved loan with an appraisal value of XXX however the appraisal and desk review in the loan file is XXX which exceeds the 75% LTV/HLTV/CLTV Maximum. Lender to address appraisal value and LTV/HLTV and CLTV not meet guidelines maximum of XXX% | Document Uploaded. | Documentation is sufficient. Updated Appraisal and Desk Review provided. Exception resolved.; Audited CLTV of 75% is less than or equal to Guideline CLTV of 75% | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 3/3/2026 | C | A | C | A | C | A | C | A | C | A | C | A | |
| XXX | XXXXX | 305063973 | FCRE2009 | 3/2/2026 | Credit | Missing Doc | Rent Loss Insurance Missing | Missing rent loss insurance coverage Missing rent loss coverage - guidelines require XXX months rent loss insurance coverage. | Document Uploaded. | Explanation provided is sufficient. Per Guidelines - For Investment Properties - rent loss insurance covering a minimum of XXX months of the rental figure used to qualify is required for the subject property. No rental amount was used to qualify, therefore not required. ; Rent Loss Coverage Present | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 3/2/2026 | D | A | D | A | D | A | D | A | D | A | D | A | |
| XXX | XXXXX | 305063973 | FCRE5116 | 2/27/2026 | Credit | Missing Doc | Missing VOM or VOR | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. Missing verification that the XX/XX/XXXX payment for the mortgage with XXX #XXX was made in the month due. Missing the mortgage Statement showing due for the XX/XX/XXXX payment. | Document Uploaded. Documentation of XXX and XXX paid is on the payoff-due for XXX payment-no fee or late fee listed. | Documentation is sufficient. Statement provided. Exception resolved.; Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 2/27/2026 | D | A | D | A | D | A | D | A | D | A | D | A | |
| XXX | XXXXX | 305063973 | FCOM8997 | 2/25/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 2/25/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305063973 | FPRO8998 | 2/25/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 2/25/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305063970 | FCRE8999 | 2/25/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 65% is less than Guideline CLTV of 75% | XXX is Below the Guideline Maximum - Calculated LTV of 65% is less than Guideline LTV of 75% | Resolved | 2/25/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305063970 | FPRO8998 | 2/25/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 65% is less than Guideline CLTV of 75% | XXX is Below the Guideline Maximum - Calculated LTV of 65% is less than Guideline LTV of 75% | Resolved | 2/25/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305063970 | FCOM8997 | 2/25/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 65% is less than Guideline CLTV of 75% | XXX is Below the Guideline Maximum - Calculated LTV of 65% is less than Guideline LTV of 75% | Resolved | 2/25/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305063949 | FCOM1233 | 2/27/2026 | Credit | Missing Doc | The Final 1003 is Incomplete | The Final 1003 is Incomplete The Final 1003 reflects the Borrower's sex as Male, however the Borrower's ID reflects the Borrower is Female. Provide a corrected copy of the Final 1003. | Document Uploaded. | Documentation is sufficient. Updated 1003 provided. Exception resolved.; The Final 1003 is Present | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 68.97% is less than Guideline CLTV of 85% | XXX is Below the Guideline Maximum - Calculated LTV of 68.97% is less than Guideline LTV of 85% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 2/27/2026 | D | A | D | A | D | A | D | A | D | A | D | A | |
| XXX | XXXXX | 305063949 | finding-XXX | 2/26/2026 | Compliance | TRID | 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. The revised LE receipt date is less than XXX business prior to consummation | Document Uploaded. | Revised LE receipt date provided; exception resolved; Revised LE receipt date provided; exception resolved | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 68.97% is less than Guideline CLTV of 85% | XXX is Below the Guideline Maximum - Calculated LTV of 68.97% is less than Guideline LTV of 85% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 2/26/2026 | C | A | C | A | C | A | C | A | C | A | C | A | |
| XXX | XXXXX | 305063949 | FPRO8998 | 2/25/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 68.97% is less than Guideline CLTV of 85% | XXX is Below the Guideline Maximum - Calculated LTV of 68.97% is less than Guideline LTV of 85% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 2/25/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305063939 | FCRE6763 | 3/3/2026 | Credit | Income/Employment | Income documentation does not meet guidelines | Missing verification of 1st month rent in the amount of XXX Audit was only able to verify security deposit. Investor Guidelines States that the 1st month rent and security deposit must be verified for all new leases. | Document Uploaded. ; Document Uploaded. | Documentation is sufficient. Screen shot provided. Exception resolved.; The lease agreement States the initial payments are XXX pro-rated rent for Feb.; XXX rent; XXX security deposit; XXX admin fee. The screen shot shows the security deposit has been paid ($XXX + XXX + XXX = $XXX). Exception remains. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 3/3/2026 | C | A | C | A | C | A | C | A | C | A | C | A | |
| XXX | XXXXX | 305063939 | FCOM8997 | 2/25/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 2/25/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305063939 | FPRO8998 | 2/25/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 2/25/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305063922 | FCRE8999 | 2/25/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | XXX is Below the Guideline Maximum - Calculated LTV of 75% is less than Guideline LTV of 85% | 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% is less than Guideline CLTV of 85% | Resolved | 2/25/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305063922 | FPRO8998 | 2/25/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | XXX is Below the Guideline Maximum - Calculated LTV of 75% is less than Guideline LTV of 85% | 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% is less than Guideline CLTV of 85% | Resolved | 2/25/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305063922 | FCOM8997 | 2/25/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | XXX is Below the Guideline Maximum - Calculated LTV of 75% is less than Guideline LTV of 85% | 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% is less than Guideline CLTV of 85% | Resolved | 2/25/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305063992 | FCOM1233 | 3/5/2026 | Credit | Missing Doc | The Final 1003 is Incomplete | The Final 1003 is Incomplete An executed Final 1003 by the borrower and dated, XXX, is required. | Document Uploaded. ; Document Uploaded. ; Document Uploaded. | Documentation is sufficient. Updated 1003 provided. Exception resolved.; The Final 1003 is Present; 1003 still not signed by Borrower, only Originator. Please provide the Final 1003 signed by Borrower. Exception remains.; Final 1003 uploaded not signed by borrower as requested. Exception remains. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 3/5/2026 | D | A | D | A | D | A | D | A | D | A | D | A | |
| XXX | XXXXX | 305063992 | FPRO8998 | 2/26/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 2/26/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305063992 | FCOM8997 | 2/26/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 2/26/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305063954 | FCOM8997 | 2/26/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 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 | Resolved | 2/26/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305063954 | FCRE8999 | 2/26/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 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 | Resolved | 2/26/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305063954 | FPRO8998 | 2/26/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 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 | Resolved | 2/26/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305063937 | FCRE7347 | 3/4/2026 | Credit | Missing Doc | Missing Lease Agreement | Missing Lease Agreements. Lender used currently Rented Lease amounts of XXX per appraisal XXX | we are using the lower of the market rent listed on the XXX we do not need the lease. ; Document Uploaded. | Documentation is sufficient. Market rent figures are XXX. Exception resolved.; Guidelines show the rents used is the lower of market rents or actual rents supported by a lease agreement. Higher rents may be used if documented with receipts, which does not apply in this case. Current lease agreement is required. Exception remains. | Resolved | 3/4/2026 | D | A | D | A | D | A | D | A | D | A | D | A | ||
| XXX | XXXXX | 305063937 | FPRO8998 | 2/26/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | Resolved | 2/26/2026 | A | A | A | A | A | A | A | A | A | A | A | A | |||
| XXX | XXXXX | 305063937 | FCOM8997 | 2/26/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | Resolved | 2/26/2026 | A | A | A | A | A | A | A | A | A | A | A | A | |||
| XXX | XXXXX | 305063876 | FCRE8999 | 2/26/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 2/26/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305063876 | FPRO8998 | 2/26/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 2/26/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305063876 | FCOM8997 | 2/26/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 2/26/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305064003 | FCRE8999 | 2/27/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | XXX is Below the Guideline Maximum - Calculated LTV of 69.35% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 69.35% is less than Guideline CLTV of 90% | 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 | Resolved | 2/27/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305064003 | FPRO8998 | 2/27/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | XXX is Below the Guideline Maximum - Calculated LTV of 69.35% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 69.35% is less than Guideline CLTV of 90% | 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 | Resolved | 2/27/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305064003 | FCOM8997 | 2/27/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | XXX is Below the Guideline Maximum - Calculated LTV of 69.35% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 69.35% is less than Guideline CLTV of 90% | 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 | Resolved | 2/27/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305063958 | FPRO8998 | 2/27/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 2/27/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305063958 | FCOM8997 | 2/27/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 2/27/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305063958 | FCRE8999 | 2/27/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 2/27/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305063945 | FCRE8999 | 2/27/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 2/27/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305063945 | FPRO8998 | 2/27/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 2/27/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305063945 | FCOM8997 | 2/27/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 2/27/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305060132 | FPRO8998 | 3/2/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 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. | Resolved | 3/2/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305060132 | FCRE8999 | 3/2/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 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. | Resolved | 3/2/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305060132 | FCOM8997 | 3/2/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 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. | Resolved | 3/2/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305060130 | FCOM8997 | 3/2/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 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. | Resolved | 3/2/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305060130 | FPRO8998 | 3/2/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 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. | Resolved | 3/2/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305060130 | FCRE8999 | 3/2/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 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. | Resolved | 3/2/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305060131 | FCRE8999 | 3/2/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 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 | Resolved | 3/2/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305060131 | FPRO8998 | 3/2/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 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 | Resolved | 3/2/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305060131 | FCOM8997 | 3/2/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 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 | Resolved | 3/2/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305064008 | FCOM8997 | 3/2/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | XXX is Below the Guideline Maximum - Calculated LTV of 25.53% is less than Guideline LTV of 75% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 25.53% is less than Guideline CLTV of 75% | Resolved | 3/2/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305064008 | FCRE8999 | 3/2/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | XXX is Below the Guideline Maximum - Calculated LTV of 25.53% is less than Guideline LTV of 75% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 25.53% is less than Guideline CLTV of 75% | Resolved | 3/2/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305064008 | FPRO8998 | 3/2/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | XXX is Below the Guideline Maximum - Calculated LTV of 25.53% is less than Guideline LTV of 75% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 25.53% is less than Guideline CLTV of 75% | Resolved | 3/2/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305063965 | FCRE8999 | 3/2/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 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. | Resolved | 3/2/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305063965 | FPRO8998 | 3/2/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 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. | Resolved | 3/2/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305063965 | FCOM8997 | 3/2/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 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. | Resolved | 3/2/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305063944 | FCRE8999 | 3/2/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 3/2/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305063944 | FPRO8998 | 3/2/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 3/2/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305063944 | FCOM8997 | 3/2/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 3/2/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305063926 | FCRE8999 | 3/2/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 3/2/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305063926 | FPRO8998 | 3/2/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 3/2/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305063926 | FCOM8997 | 3/2/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 3/2/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305063924 | FCRE1183 | 3/5/2026 | Credit | Missing Doc | Approval/Underwriting Summary Partially Provided | Approval/Underwriting Summary Partially Provided. Missing Final XXX and Final approval with updated final loan amount of XXX | Document Uploaded. | Documentation is sufficient. Approval provided. Exception resolved.; Approval/Underwriting Summary is fully present | XXX is Below the Guideline Maximum - Calculated LTV of 53.87% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 53.87% 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 | Resolved | 3/5/2026 | B | A | B | A | B | A | B | A | B | A | B | A | |
| XXX | XXXXX | 305063924 | FCOM8997 | 3/2/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | XXX is Below the Guideline Maximum - Calculated LTV of 53.87% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 53.87% 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 | Resolved | 3/2/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305063924 | FPRO8998 | 3/2/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | XXX is Below the Guideline Maximum - Calculated LTV of 53.87% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 53.87% 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 | Resolved | 3/2/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305063912 | FPRO8998 | 3/2/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | XXX is Below the Guideline Maximum - Calculated LTV of 69% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 69% is less than Guideline CLTV of 80% | Resolved | 3/2/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305063912 | FCRE8999 | 3/2/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | XXX is Below the Guideline Maximum - Calculated LTV of 69% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 69% is less than Guideline CLTV of 80% | Resolved | 3/2/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305063912 | FCOM8997 | 3/2/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | XXX is Below the Guideline Maximum - Calculated LTV of 69% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 69% is less than Guideline CLTV of 80% | Resolved | 3/2/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305063906 | FCOM8997 | 3/2/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | Resolved | 3/2/2026 | A | A | A | A | A | A | A | A | A | A | A | A | |||
| XXX | XXXXX | 305063906 | FCRE8999 | 3/2/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | Resolved | 3/2/2026 | A | A | A | A | A | A | A | A | A | A | A | A | |||
| XXX | XXXXX | 305063906 | FPRO8998 | 3/2/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | Resolved | 3/2/2026 | A | A | A | A | A | A | A | A | A | A | A | A | |||
| XXX | XXXXX | 305063901 | FCRE8999 | 3/2/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | Resolved | 3/2/2026 | A | A | A | A | A | A | A | A | A | A | A | A | |||
| XXX | XXXXX | 305063901 | FPRO8998 | 3/2/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | Resolved | 3/2/2026 | A | A | A | A | A | A | A | A | A | A | A | A | |||
| XXX | XXXXX | 305063901 | FCOM8997 | 3/2/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | Resolved | 3/2/2026 | A | A | A | A | A | A | A | A | A | A | A | A | |||
| XXX | XXXXX | 305063889 | FCRE7496 | 3/4/2026 | Credit | Missing Doc | Missing Verification of Subject Property Taxes, Insurance, HOA or Other Payments | Missing verification of monthly HOA dues in the amount of XXX | Document Uploaded. HOA dues were erroneously entered. The subject is not a PUD and does not have HOA dues. Corrected URLA and XXX uploaded without HOA dues. | Documentation is sufficient. Updated 1008 and 1003 provided. Exception resolved. | 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% | Resolved | 3/4/2026 | D | A | D | A | D | A | D | A | D | A | D | A | |
| XXX | XXXXX | 305063889 | FPRO8998 | 3/2/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 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% | Resolved | 3/2/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305063889 | FCOM8997 | 3/2/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 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% | Resolved | 3/2/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305063871 | FCRE8999 | 3/2/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | Resolved | 3/2/2026 | A | A | A | A | A | A | A | A | A | A | A | A | |||
| XXX | XXXXX | 305063871 | FPRO8998 | 3/2/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | Resolved | 3/2/2026 | A | A | A | A | A | A | A | A | A | A | A | A | |||
| XXX | XXXXX | 305063871 | FCOM8997 | 3/2/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | Resolved | 3/2/2026 | A | A | A | A | A | A | A | A | A | A | A | A | |||
| XXX | XXXXX | 305063861 | FCRE8999 | 3/2/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | Borrower has stable job time - Borrower has XXX years on job. | XXX is Below the Guideline Maximum - Calculated LTV of 68.41% is less than Guideline LTV of 85% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 68.41% is less than Guideline CLTV of 85% | 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 | Resolved | 3/2/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305063861 | FPRO8998 | 3/2/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | Borrower has stable job time - Borrower has XXX years on job. | XXX is Below the Guideline Maximum - Calculated LTV of 68.41% is less than Guideline LTV of 85% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 68.41% is less than Guideline CLTV of 85% | 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 | Resolved | 3/2/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305063861 | FCOM8997 | 3/2/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | Borrower has stable job time - Borrower has XXX years on job. | XXX is Below the Guideline Maximum - Calculated LTV of 68.41% is less than Guideline LTV of 85% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 68.41% is less than Guideline CLTV of 85% | 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 | Resolved | 3/2/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305064000 | FCOM8997 | 3/3/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 3/3/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305064000 | FCRE8999 | 3/3/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 3/3/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305064000 | FPRO8998 | 3/3/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 3/3/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305063983 | FCRE8999 | 3/3/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 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 36.13% is less than Guideline CLTV of 90% | XXX is Below the Guideline Maximum - Calculated LTV of 36.13% is less than Guideline LTV of 90% | Resolved | 3/3/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305063983 | FPRO8998 | 3/3/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 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 36.13% is less than Guideline CLTV of 90% | XXX is Below the Guideline Maximum - Calculated LTV of 36.13% is less than Guideline LTV of 90% | Resolved | 3/3/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305063983 | FCOM8997 | 3/3/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 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 36.13% is less than Guideline CLTV of 90% | XXX is Below the Guideline Maximum - Calculated LTV of 36.13% is less than Guideline LTV of 90% | Resolved | 3/3/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305063987 | FPRO8998 | 3/3/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 3/3/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305063987 | FCRE8999 | 3/3/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 3/3/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305063987 | FCOM8997 | 3/3/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 3/3/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305063975 | FCRE1326 | 3/10/2026 | Credit | Missing Doc | Borrower 1 YTD Profit & Loss Missing | Borrower 1 YTD Profit & Loss Missing P & L Statement looks to cover XX/XX/XXXX to XXX/XXX; however, the document looks to have been composed on XXX/XXX/XXX. Need a P & L with updated date. | Document Uploaded. | Documentation is sufficient. Updated CPA letter provided. Exception resolved.; Borrower 1 YTD Profit & Loss Provided | 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 80% is less than Guideline CLTV of 90% | XXX is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 3/10/2026 | D | A | D | A | D | A | D | A | D | A | D | A | |
| XXX | XXXXX | 305063975 | FPRO8998 | 3/3/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 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 80% is less than Guideline CLTV of 90% | XXX is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 3/3/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305063975 | FCOM8997 | 3/3/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 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 80% is less than Guideline CLTV of 90% | XXX is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 3/3/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305063968 | FCRE8999 | 3/3/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 3/3/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305063968 | FPRO8998 | 3/3/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 3/3/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305063968 | FCOM8997 | 3/3/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 3/3/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305063962 | FCRE3653 | 3/5/2026 | Credit | Missing Doc | Missing letter of explanation | Missing letter of explanation from al parties to address if there are any costs to our borrower for the removal of XXX XXX XXXXX from title. Previous vesting included XXX XXX XXXXX and XXX XXXXX. | Document Uploaded. Grant Deed in file indicates cost association with the removal of title holder. | Documentation is sufficient. Quit Claim Deed provided. Exception resolved. | 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. | Resolved | 3/5/2026 | D | A | D | A | D | A | D | A | D | A | D | A | |
| XXX | XXXXX | 305063962 | FPRO8998 | 3/3/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 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. | Resolved | 3/3/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305063962 | FCOM8997 | 3/3/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 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. | Resolved | 3/3/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305063933 | FCOM8997 | 3/3/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 3/3/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305063933 | FPRO8998 | 3/3/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 3/3/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305063933 | FCRE8999 | 3/3/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 3/3/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305063930 | FCRE8999 | 3/3/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 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 56.9% is less than Guideline CLTV of 80% | XXX is Below the Guideline Maximum - Calculated LTV of 56.9% is less than Guideline LTV of 80% | Resolved | 3/3/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305063930 | FPRO8998 | 3/3/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 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 56.9% is less than Guideline CLTV of 80% | XXX is Below the Guideline Maximum - Calculated LTV of 56.9% is less than Guideline LTV of 80% | Resolved | 3/3/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305063930 | FCOM8997 | 3/3/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 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 56.9% is less than Guideline CLTV of 80% | XXX is Below the Guideline Maximum - Calculated LTV of 56.9% is less than Guideline LTV of 80% | Resolved | 3/3/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305063915 | FCRE8999 | 3/3/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 64.12% is less than Guideline CLTV of 90% | XXX is Below the Guideline Maximum - Calculated LTV of 64.12% is less than Guideline LTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 3/3/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305063915 | FPRO8998 | 3/3/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 64.12% is less than Guideline CLTV of 90% | XXX is Below the Guideline Maximum - Calculated LTV of 64.12% is less than Guideline LTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 3/3/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305063915 | FCOM8997 | 3/3/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 64.12% is less than Guideline CLTV of 90% | XXX is Below the Guideline Maximum - Calculated LTV of 64.12% is less than Guideline LTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 3/3/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305063893 | FCRE7347 | 3/5/2026 | Credit | Missing Doc | Missing Lease Agreement | The lender is utilizing the lease amount Stated on the Appraisal but loan file does not contain a lease agreement. | we are not qualifying above market rents, we do not need a lease. | Documentation is sufficient. Below market rents utilized. Exception resolved. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 3/5/2026 | D | A | D | A | D | A | D | A | D | A | D | A | |
| XXX | XXXXX | 305063893 | FCOM8997 | 3/3/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 3/3/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305063893 | FPRO8998 | 3/3/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 3/3/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305063963 | FCRE1169 | 3/6/2026 | Credit | Insurance | Flood Insurance Effective Date is after the Disbursement Date | Flood Insurance Effective Date of XX/XX/XXXX is after the Disbursement Date of XX/XX/XXXX | Document Uploaded. | Documentation is sufficient. Updated policy provided. Exception resolved.; Flood Insurance Effective Date of XX/XX/XXXX is prior to or equal to the Disbursement Date of XX/XX/XXXX Or Flood Insurance Effective Date Is Not Provided | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 72.48% is less than Guideline CLTV of 85% | XXX is Below the Guideline Maximum - Calculated LTV of 72.48% is less than Guideline LTV of 85% | 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% | Resolved | 3/6/2026 | C | A | C | A | C | A | C | A | C | A | C | A | |
| XXX | XXXXX | 305063963 | FPRO8998 | 3/4/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 72.48% is less than Guideline CLTV of 85% | XXX is Below the Guideline Maximum - Calculated LTV of 72.48% is less than Guideline LTV of 85% | 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% | Resolved | 3/4/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305063963 | FCOM8997 | 3/4/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 72.48% is less than Guideline CLTV of 85% | XXX is Below the Guideline Maximum - Calculated LTV of 72.48% is less than Guideline LTV of 85% | 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% | Resolved | 3/4/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305063947 | FCOM8997 | 3/4/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 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 43.24% is less than Guideline CLTV of 85% | XXX is Below the Guideline Maximum - Calculated LTV of 43.24% is less than Guideline LTV of 85% | Resolved | 3/4/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305063947 | FCRE8999 | 3/4/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 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 43.24% is less than Guideline CLTV of 85% | XXX is Below the Guideline Maximum - Calculated LTV of 43.24% is less than Guideline LTV of 85% | Resolved | 3/4/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305063947 | FPRO8998 | 3/4/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 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 43.24% is less than Guideline CLTV of 85% | XXX is Below the Guideline Maximum - Calculated LTV of 43.24% is less than Guideline LTV of 85% | Resolved | 3/4/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305063885 | FCOM8997 | 3/4/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 54.6% is less than Guideline CLTV of 75% | XXX is Below the Guideline Maximum - Calculated LTV of 54.6% is less than Guideline LTV of 75% | Resolved | 3/4/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305063885 | FCRE8999 | 3/4/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 54.6% is less than Guideline CLTV of 75% | XXX is Below the Guideline Maximum - Calculated LTV of 54.6% is less than Guideline LTV of 75% | Resolved | 3/4/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305063885 | FPRO8998 | 3/4/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 54.6% is less than Guideline CLTV of 75% | XXX is Below the Guideline Maximum - Calculated LTV of 54.6% is less than Guideline LTV of 75% | Resolved | 3/4/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305063878 | FCOM8997 | 3/4/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 3/4/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305063878 | FCRE8999 | 3/4/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 3/4/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305063878 | FPRO8998 | 3/4/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 3/4/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305063875 | FCOM8997 | 3/4/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 3/4/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305063875 | FPRO8998 | 3/4/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 3/4/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305063875 | FCRE8999 | 3/4/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 3/4/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305063874 | FCRE8999 | 3/4/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | XXX is Below the Guideline Maximum - Calculated LTV of 44.72% is less than Guideline LTV of 85% | 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 44.72% is less than Guideline CLTV of 85% | Resolved | 3/4/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305063874 | FPRO8998 | 3/4/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | XXX is Below the Guideline Maximum - Calculated LTV of 44.72% is less than Guideline LTV of 85% | 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 44.72% is less than Guideline CLTV of 85% | Resolved | 3/4/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305063874 | FCOM8997 | 3/4/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | XXX is Below the Guideline Maximum - Calculated LTV of 44.72% is less than Guideline LTV of 85% | 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 44.72% is less than Guideline CLTV of 85% | Resolved | 3/4/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305063860 | FCRE8999 | 3/4/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 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. | Resolved | 3/4/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305063860 | FPRO8998 | 3/4/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 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. | Resolved | 3/4/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305063860 | FCOM8997 | 3/4/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 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. | Resolved | 3/4/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305064011 | FVAL9739 | 3/10/2026 | Property | Appraisal | Property/Appraisal General | Property/Appraisal guideline violation: Appraisal does not acknowledge ADU with a check mark by Units, 'One with Accessory Unit', in the General Description of the Improvement section. | Document Uploaded. | Documentation is sufficient. Updated appraisal provided. Exception resolved.; Property/Appraisal Meets Guidelines | Resolved | 3/10/2026 | C | A | C | A | C | A | C | A | C | A | C | A | ||
| XXX | XXXXX | 305064011 | FCOM8997 | 3/5/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | Resolved | 3/5/2026 | A | A | A | A | A | A | A | A | A | A | A | A | |||
| XXX | XXXXX | 305064011 | FCRE8999 | 3/5/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | Resolved | 3/5/2026 | A | A | A | A | A | A | A | A | A | A | A | A | |||
| XXX | XXXXX | 305063986 | FCRE1146 | 3/9/2026 | Credit | Missing Doc | Title Document is Partially Present | Title Document is incomplete or only partially present. Missing release, or satisfactory proof liens and judgment on title does not belong to our borrower. Refer to items #XXX-XXX on title. | Document Uploaded. | Documentation is sufficient. Updated Title document provided. Exception resolved.; Title Document is fully Present. | 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% | Resolved | 3/9/2026 | D | A | D | A | D | A | D | A | D | A | D | A | |
| XXX | XXXXX | 305063986 | FCOM8997 | 3/5/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 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% | Resolved | 3/5/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305063986 | FPRO8998 | 3/5/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 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% | Resolved | 3/5/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305063935 | FCOM8997 | 3/5/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 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. | Resolved | 3/5/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305063935 | FCRE8999 | 3/5/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 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. | Resolved | 3/5/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305063935 | FPRO8998 | 3/5/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 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. | Resolved | 3/5/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305063934 | FCOM9186 | 3/10/2026 | Compliance | Missing Doc | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. Documentation required, 1st e-signed document (intent to proceed) in the file is dated XXX/XXX, however missing proof of e-consent dated XX/XX/XXXX or before | Document Uploaded. | Evidence of eConsent is provided. | 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 50% is less than Guideline CLTV of 90% | XXX is Below the Guideline Maximum - Calculated LTV of 50% is less than Guideline LTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 3/10/2026 | B | A | B | A | B | A | B | A | B | A | B | A | |
| XXX | XXXXX | 305063934 | FCRE8999 | 3/5/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 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 50% is less than Guideline CLTV of 90% | XXX is Below the Guideline Maximum - Calculated LTV of 50% is less than Guideline LTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 3/5/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305063934 | FPRO8998 | 3/5/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 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 50% is less than Guideline CLTV of 90% | XXX is Below the Guideline Maximum - Calculated LTV of 50% is less than Guideline LTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 3/5/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305063902 | FCOM1233 | 3/10/2026 | Credit | Missing Doc | The Final 1003 is Incomplete | The Final 1003 is Incomplete Missing Final 1003 with the Co-Borrower's XXXhip section complete. | Document Uploaded. | Documentation is sufficient. Updated 1003 provided. Exception resolved.; The Final 1003 is Present | Resolved | 3/10/2026 | D | A | D | A | D | A | D | A | D | A | D | A | ||
| XXX | XXXXX | 305063902 | FCOM8997 | 3/5/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | Resolved | 3/5/2026 | A | A | A | A | A | A | A | A | A | A | A | A | |||
| XXX | XXXXX | 305063902 | FPRO8998 | 3/5/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | Resolved | 3/5/2026 | A | A | A | A | A | A | A | A | A | A | A | A | |||
| XXX | XXXXX | 305063891 | FCOM8997 | 3/5/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 3/5/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305063891 | FCRE8999 | 3/5/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 3/5/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305063891 | FPRO8998 | 3/5/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 3/5/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305063887 | FCOM8997 | 3/5/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 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 | XXX is Below the Guideline Maximum - Calculated LTV of 71.92% is less than Guideline LTV of 85% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 71.92% is less than Guideline CLTV of 85% | Resolved | 3/5/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305063887 | FCRE8999 | 3/5/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 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 | XXX is Below the Guideline Maximum - Calculated LTV of 71.92% is less than Guideline LTV of 85% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 71.92% is less than Guideline CLTV of 85% | Resolved | 3/5/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305063887 | FPRO8998 | 3/5/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 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 | XXX is Below the Guideline Maximum - Calculated LTV of 71.92% is less than Guideline LTV of 85% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 71.92% is less than Guideline CLTV of 85% | Resolved | 3/5/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305063883 | FVAL5524 | 3/9/2026 | Property | Property | Ineligible Property | Condo HOA is in pending litigation. See Condo questionnaire | Document Uploaded. This was dismissed, dismissal was in the file. | Documentation is sufficient. Litigation documentation provided. Exception resolved. | XXX is Below the Guideline Maximum - Calculated LTV of 63.23% is less than Guideline LTV of 75% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 63.23% is less than Guideline CLTV of 75% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 3/9/2026 | C | A | C | A | C | A | C | A | C | A | C | A | |
| XXX | XXXXX | 305063883 | FCOM8997 | 3/5/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | XXX is Below the Guideline Maximum - Calculated LTV of 63.23% is less than Guideline LTV of 75% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 63.23% is less than Guideline CLTV of 75% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 3/5/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305063883 | FCRE8999 | 3/5/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | XXX is Below the Guideline Maximum - Calculated LTV of 63.23% is less than Guideline LTV of 75% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 63.23% is less than Guideline CLTV of 75% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 3/5/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305063873 | FCOM8997 | 3/5/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | XXX is Below the Guideline Maximum - Calculated LTV of 52.5% is less than Guideline LTV of 85% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 52.5% is less than Guideline CLTV of 85% | Resolved | 3/5/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305063873 | FCRE8999 | 3/5/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | XXX is Below the Guideline Maximum - Calculated LTV of 52.5% is less than Guideline LTV of 85% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 52.5% is less than Guideline CLTV of 85% | Resolved | 3/5/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305063873 | FPRO8998 | 3/5/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | XXX is Below the Guideline Maximum - Calculated LTV of 52.5% is less than Guideline LTV of 85% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 52.5% is less than Guideline CLTV of 85% | Resolved | 3/5/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305063865 | FCRE1183 | 3/9/2026 | Credit | Missing Doc | Approval/Underwriting Summary Partially Provided | Approval/Underwriting Summary Partially Provided. The PITI of XXX does not match the Approval PITI of $XXX. Need an Approval to match actual figures. | Document Uploaded. | Documentation is sufficient. Updated approval provided. Exception resolved.; Approval/Underwriting Summary is fully present | 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 65% is less than Guideline CLTV of 80% | XXX is Below the Guideline Maximum - Calculated LTV of 65% is less than Guideline LTV of 80% | Resolved | 3/9/2026 | B | A | B | A | B | A | B | A | B | A | B | A | |
| XXX | XXXXX | 305063865 | FCOM8997 | 3/5/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 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 65% is less than Guideline CLTV of 80% | XXX is Below the Guideline Maximum - Calculated LTV of 65% is less than Guideline LTV of 80% | Resolved | 3/5/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305063865 | FPRO8998 | 3/5/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 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 65% is less than Guideline CLTV of 80% | XXX is Below the Guideline Maximum - Calculated LTV of 65% is less than Guideline LTV of 80% | Resolved | 3/5/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305064007 | FCRE8999 | 3/6/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | XXX is Below the Guideline Maximum - Calculated LTV of 48.26% is less than Guideline LTV of 75% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 48.26% is less than Guideline CLTV of 75% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 3/6/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305064007 | FPRO8998 | 3/6/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | XXX is Below the Guideline Maximum - Calculated LTV of 48.26% is less than Guideline LTV of 75% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 48.26% is less than Guideline CLTV of 75% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 3/6/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305064007 | FCOM8997 | 3/6/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | XXX is Below the Guideline Maximum - Calculated LTV of 48.26% is less than Guideline LTV of 75% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 48.26% is less than Guideline CLTV of 75% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 3/6/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305063995 | FCOM8997 | 3/6/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | XXX is Below the Guideline Maximum - Calculated LTV of 58.33% is less than Guideline LTV of 75% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 58.33% is less than Guideline CLTV of 75% | Resolved | 3/6/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305063995 | FCRE8999 | 3/6/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | XXX is Below the Guideline Maximum - Calculated LTV of 58.33% is less than Guideline LTV of 75% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 58.33% is less than Guideline CLTV of 75% | Resolved | 3/6/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305063995 | FPRO8998 | 3/6/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | XXX is Below the Guideline Maximum - Calculated LTV of 58.33% is less than Guideline LTV of 75% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 58.33% is less than Guideline CLTV of 75% | Resolved | 3/6/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305063989 | FCOM8997 | 3/6/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 3/6/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305063989 | FCRE8999 | 3/6/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 3/6/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305063989 | FPRO8998 | 3/6/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 3/6/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305063982 | FCOM8997 | 3/6/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | XXX is Below the Guideline Maximum - Calculated LTV of 45.45% is less than Guideline LTV of 75% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 45.45% is less than Guideline CLTV of 75% | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 3/6/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305063982 | FCRE8999 | 3/6/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | XXX is Below the Guideline Maximum - Calculated LTV of 45.45% is less than Guideline LTV of 75% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 45.45% is less than Guideline CLTV of 75% | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 3/6/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305063982 | FPRO8998 | 3/6/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | XXX is Below the Guideline Maximum - Calculated LTV of 45.45% is less than Guideline LTV of 75% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 45.45% is less than Guideline CLTV of 75% | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 3/6/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305063966 | FCOM8997 | 3/6/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 3/6/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305063966 | FCRE8999 | 3/6/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 3/6/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305063966 | FPRO8998 | 3/6/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 3/6/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305063960 | FCOM8997 | 3/6/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | Resolved | 3/6/2026 | A | A | A | A | A | A | A | A | A | A | A | A | |||
| XXX | XXXXX | 305063960 | FPRO8998 | 3/6/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | Resolved | 3/6/2026 | A | A | A | A | A | A | A | A | A | A | A | A | |||
| XXX | XXXXX | 305063960 | FCRE8999 | 3/6/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | Resolved | 3/6/2026 | A | A | A | A | A | A | A | A | A | A | A | A | |||
| XXX | XXXXX | 305063910 | FPRO8998 | 3/6/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 3/6/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305063910 | FCRE8999 | 3/6/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 3/6/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305063910 | FCOM8997 | 3/6/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 3/6/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305063900 | FPRO8998 | 3/6/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | Resolved | 3/6/2026 | A | A | A | A | A | A | A | A | A | A | A | A | |||
| XXX | XXXXX | 305063900 | FCOM8997 | 3/6/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | Resolved | 3/6/2026 | A | A | A | A | A | A | A | A | A | A | A | A | |||
| XXX | XXXXX | 305063900 | FCRE8999 | 3/6/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | Resolved | 3/6/2026 | A | A | A | A | A | A | A | A | A | A | A | A | |||
| XXX | XXXXX | 305063888 | FCOM8997 | 3/6/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | XXX is Below the Guideline Maximum - Calculated LTV of 20.73% is less than Guideline LTV of 75% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 20.73% is less than Guideline CLTV of 75% | Resolved | 3/6/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305063888 | FCRE8999 | 3/6/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | XXX is Below the Guideline Maximum - Calculated LTV of 20.73% is less than Guideline LTV of 75% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 20.73% is less than Guideline CLTV of 75% | Resolved | 3/6/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305063888 | FPRO8998 | 3/6/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | XXX is Below the Guideline Maximum - Calculated LTV of 20.73% is less than Guideline LTV of 75% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 20.73% is less than Guideline CLTV of 75% | Resolved | 3/6/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305063882 | FCOM8997 | 3/6/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | Qualifying DTI below max allowed. - Calculated DTI of % 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 | XXX is Below the Guideline Maximum - Calculated LTV of 58.33% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 58.33% is less than Guideline CLTV of 90% | Resolved | 3/6/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305063882 | FCRE8999 | 3/6/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | Qualifying DTI below max allowed. - Calculated DTI of % 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 | XXX is Below the Guideline Maximum - Calculated LTV of 58.33% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 58.33% is less than Guideline CLTV of 90% | Resolved | 3/6/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305063882 | FPRO8998 | 3/6/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | Qualifying DTI below max allowed. - Calculated DTI of % 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 | XXX is Below the Guideline Maximum - Calculated LTV of 58.33% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 58.33% is less than Guideline CLTV of 90% | Resolved | 3/6/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305063881 | FPRO8998 | 3/6/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 75% is less than Guideline CLTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | XXX is Below the Guideline Maximum - Calculated LTV of 75% is less than Guideline LTV of 85% | Resolved | 3/6/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305063881 | FCRE8999 | 3/6/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 75% is less than Guideline CLTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | XXX is Below the Guideline Maximum - Calculated LTV of 75% is less than Guideline LTV of 85% | Resolved | 3/6/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305063881 | FCOM8997 | 3/6/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 75% is less than Guideline CLTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | XXX is Below the Guideline Maximum - Calculated LTV of 75% is less than Guideline LTV of 85% | Resolved | 3/6/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305063872 | FCRE8999 | 3/6/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 3/6/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305063872 | FPRO8998 | 3/6/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 3/6/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305063872 | FCOM8997 | 3/6/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 3/6/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305063870 | FCRE8999 | 3/6/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | XXX is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 3/6/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305063870 | FPRO8998 | 3/6/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | XXX is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 3/6/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305063870 | FCOM8997 | 3/6/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | XXX is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 3/6/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305063927 | FCRE8999 | 3/10/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | Resolved | 3/10/2026 | A | A | A | A | A | A | A | A | A | A | A | A | |||
| XXX | XXXXX | 305063927 | FPRO8998 | 3/10/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | Resolved | 3/10/2026 | A | A | A | A | A | A | A | A | A | A | A | A | |||
| XXX | XXXXX | 305063927 | FCOM8997 | 3/10/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | Resolved | 3/10/2026 | A | A | A | A | A | A | A | A | A | A | A | A | |||
| XXX | XXXXX | 305050440 | finding-XXX | 3/17/2026 | Compliance | TRID Tolerance | 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 according 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 to the borrower or valid COC. The Lender Credit violation is due to the Lender Credit decrease from XXX to XXX on the CD dated XX/XX/XXXX without valid COC. | Document Uploaded. | Valid COC provided; Exception resolved; Valid COC provided; Exception resolved | Borrower has stable job time - Borrower has XXX years on job. | XXX is Below the Guideline Maximum - Calculated LTV of 46.09% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 46.09% is less than Guideline CLTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 3/17/2026 | C | A | C | A | C | A | C | A | C | A | C | A | |
| XXX | XXXXX | 305050440 | FCRE8999 | 3/14/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | Borrower has stable job time - Borrower has XXX years on job. | XXX is Below the Guideline Maximum - Calculated LTV of 46.09% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 46.09% is less than Guideline CLTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 3/14/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305050440 | FPRO8998 | 3/14/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | Borrower has stable job time - Borrower has XXX years on job. | XXX is Below the Guideline Maximum - Calculated LTV of 46.09% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 46.09% is less than Guideline CLTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 3/14/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305050516 | FCRE7497 | 3/25/2026 | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Please provide verification documents for expense of XXX at XXX XXX property. | Document Uploaded. This property does not belong to our borrower. The 1003/XXX and a property profile have been uploaded.. | Evidence provided showing no ownership | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 50.19% is less than Guideline CLTV of 85% | XXX is Below the Guideline Maximum - Calculated LTV of 50.19% is less than Guideline LTV of 85% | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 3/25/2026 | D | A | D | A | D | A | D | A | D | A | D | A | |
| XXX | XXXXX | 305050516 | FCOM8997 | 3/17/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 50.19% is less than Guideline CLTV of 85% | XXX is Below the Guideline Maximum - Calculated LTV of 50.19% is less than Guideline LTV of 85% | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 3/17/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305050516 | FPRO8998 | 3/17/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 50.19% is less than Guideline CLTV of 85% | XXX is Below the Guideline Maximum - Calculated LTV of 50.19% is less than Guideline LTV of 85% | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 3/17/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305050510 | finding-XXX | 3/23/2026 | Compliance | Right to Rescind | TILA Right of Rescission Test | 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. Documentation required: The disbursement date of XXX is the same day as the Cancel date on the ROR XXX. Proof of actual disbursement date is required to resolve or a cure package requires PCCD, LOE, New ROR providing XXX days right to cancel. | Document Uploaded. | PCCD provided with updated disbursement date; exception resolved; PCCD provided with updated disbursement date; exception resolved | 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. | Resolved | 3/23/2026 | C | A | C | A | C | A | C | A | C | A | C | A | |
| XXX | XXXXX | 305050510 | FPRO8998 | 3/18/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 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. | Resolved | 3/18/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305050510 | FCRE8999 | 3/18/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 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. | Resolved | 3/18/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305066612 | FCOM8997 | 3/26/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 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 | Resolved | 3/26/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305066612 | FCRE8999 | 3/26/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 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 | Resolved | 3/26/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305066612 | FPRO8998 | 3/26/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 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 | Resolved | 3/26/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305066577 | FCRE1334 | 4/20/2026 | Credit | Missing Doc | Borrower 1 Executed 4506-T Missing | Borrower 1 Executed 4506-T Missing An executed XXX-T was not found in the loan file for Borrower 1. The Lender Guidline States: A completed, signed, and dated IRS Form XXX-C is required for each borrower. | Document Uploaded. B1; Document Uploaded. | Borrower 1 Executed XXX-T Provided; XXX provided; Client provided B2 XXX - Condition is for B1. Countered; 4506C executed provided | 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. | Resolved | 4/20/2026 | D | A | D | A | D | A | D | A | D | A | D | A | |
| XXX | XXXXX | 305066577 | FCRE1196 | 4/8/2026 | Credit | Eligibility | Audited HCLTV Exceeds Guideline HCLTV | Audited HLTV of 80% exceeds Guideline HCLTV of 70% The subject loan was approved with a HCLTV of 80%. The loan file includes a private VOR. The maximum HCLTV for a loan with a private VOR under the Core program is XXX% | Audited HLTV of 80% is less than or equal to Guideline HCLTV 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. | Resolved | 4/8/2026 | C | A | C | A | C | A | C | A | C | A | C | A | ||
| XXX | XXXXX | 305066577 | FCRE1194 | 4/8/2026 | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Audited LTV of 80% exceeds Guideline LTV of 70% The subject loan was approved with a LTV of 80%. The loan file includes a private VOR. The maximum LTV for a loan with a private VOR under the Core program is XXX% | Audited LTV of 80% is less than or equal to Guideline LTV 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. | Resolved | 4/8/2026 | C | A | C | A | C | A | C | A | C | A | C | A | ||
| XXX | XXXXX | 305066577 | FCRE1195 | 4/8/2026 | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV | Audited CLTV of 80% exceeds Guideline CLTV of 70% The subject loan was approved with a CLTV of 80%. The loan file includes a private VOR. The maximum CLTV for a loan with a private VOR under the Core program is XXX% | Hi, this is a 80% LTV with a XXX FICO. This is allow. Private Party VOR's => LTV ≤ XXX% & ≥ XXX FICO | Re-review of guides - Conditions rescinded. | Rescinded | A | A | A | A | A | A | A | A | A | A | A | A | |||
| XXX | XXXXX | 305066577 | finding-XXX | 3/26/2026 | Compliance | Points & Fees | CA AB 260 Higher-Priced Mortgage Loan Test | This loan failed the XXX AB 260 higher-priced mortgage loan test. (XXX AB 260, XXX Financial Code Division 1.9 4995(a))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX Financial Code hile the XXX Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established XXX and appraisal requirements have been met. HPML Downgraded | HPML compliant | 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. | Resolved | 3/26/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305066577 | finding-XXX | 3/26/2026 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established XXX and appraisal requirements have been met. HPML Downgraded | HPML compliant | 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. | Resolved | 3/26/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305066577 | FPRO8998 | 3/26/2026 | Property | Data | No Property Findings | No property findings. Property and valuations related findings were not identified on the loan. | Informational | 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. | Resolved | 3/26/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305087465 | FCOM8997 | 3/30/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | XXX is Below the Guideline Maximum - Calculated LTV of 58.46% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 58.46% is less than Guideline CLTV of 90% | 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. | Resolved | 3/30/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305087465 | FCRE8999 | 3/30/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | XXX is Below the Guideline Maximum - Calculated LTV of 58.46% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 58.46% is less than Guideline CLTV of 90% | 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. | Resolved | 3/30/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305087465 | FPRO8998 | 3/30/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | XXX is Below the Guideline Maximum - Calculated LTV of 58.46% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 58.46% is less than Guideline CLTV of 90% | 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. | Resolved | 3/30/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305077942 | finding-XXX | 4/1/2026 | Compliance | Points & Fees | CA AB 260 Higher-Priced Mortgage Loan Test | This loan failed the XXX AB 260 higher-priced mortgage loan test. (XXX AB 260, XXX Financial Code Division 1.9 4995(a))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX Financial Code hile the XXX Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established XXX and appraisal requirements have been met. HPML Downgraded | HPML compliant | 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 57.76% is less than Guideline CLTV of 90% | XXX is Below the Guideline Maximum - Calculated LTV of 57.76% is less than Guideline LTV of 90% | Resolved | 4/1/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305077942 | finding-XXX | 4/1/2026 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established XXX and appraisal requirements have been met. HPML Downgraded | HPML compliant | 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 57.76% is less than Guideline CLTV of 90% | XXX is Below the Guideline Maximum - Calculated LTV of 57.76% is less than Guideline LTV of 90% | Resolved | 4/1/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305077942 | FCRE8999 | 4/1/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. The loan meets all applicable credit guidelines. | Informational | 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 57.76% is less than Guideline CLTV of 90% | XXX is Below the Guideline Maximum - Calculated LTV of 57.76% is less than Guideline LTV of 90% | Resolved | 4/1/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305077942 | FPRO8998 | 4/1/2026 | Property | Data | 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 | 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 57.76% is less than Guideline CLTV of 90% | XXX is Below the Guideline Maximum - Calculated LTV of 57.76% is less than Guideline LTV of 90% | Resolved | 4/1/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305066547 | FPRO8998 | 4/1/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 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 80% is less than Guideline CLTV of 90% | XXX is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 4/1/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305066547 | FCRE8999 | 4/1/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 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 80% is less than Guideline CLTV of 90% | XXX is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 4/1/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305066547 | FCOM8997 | 4/1/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 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 80% is less than Guideline CLTV of 90% | XXX is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 4/1/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305066452 | FPRO8998 | 4/2/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 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 80% is less than Guideline CLTV of 90% | XXX is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% | Resolved | 4/2/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305066452 | FCRE8999 | 4/2/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 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 80% is less than Guideline CLTV of 90% | XXX is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% | Resolved | 4/2/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305066452 | FCOM8997 | 4/2/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 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 80% is less than Guideline CLTV of 90% | XXX is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% | Resolved | 4/2/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305077852 | finding-XXX | 5/4/2026 | Compliance | Points & Fees | CA AB 260 Higher-Priced Mortgage Loan Test | This loan failed the XXX AB 260 higher-priced mortgage loan test. (XXX AB 260, XXX Financial Code Division 1.9 4995(a))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX Financial Code hile the XXX Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established XXX and appraisal requirements have been met. HPML Downgraded | HPML compliant | 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% | Resolved | 5/4/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305077852 | finding-XXX | 5/4/2026 | Compliance | TRID Tolerance | 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 according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). 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 addition of the appraisal review fee on the CD dated XX/XX/XXXX without valid COC. | Document Uploaded. ; Document Uploaded. | Cure package provided to the borrower; exception downgraded to a 2/B; Cure package provided to the borrower; exception downgraded to a 2/B; Documentation provided was a a shipping label, the remaining cure package was missing | 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% | Cured | C | B | C | B | C | B | C | B | C | B | C | B | ||
| XXX | XXXXX | 305077852 | finding-XXX | 5/4/2026 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXX with established XXX and appraisal requirements have been met. HPML Downgraded | HPML compliant | 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% | Resolved | 5/4/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305077852 | FCRE8999 | 4/3/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 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% | Resolved | 4/3/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305077852 | FPRO8998 | 4/3/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 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% | Resolved | 4/3/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305066628 | FCOM8997 | 4/3/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 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 | Resolved | 4/3/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305066628 | FCRE8999 | 4/3/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 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 | Resolved | 4/3/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305066628 | FPRO8998 | 4/3/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 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 | Resolved | 4/3/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305066383 | FCRE8999 | 4/6/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70.24% is less than Guideline CLTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | XXX is Below the Guideline Maximum - Calculated LTV of 70.24% is less than Guideline LTV of 90% | 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. | Resolved | 4/6/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305066383 | FPRO8998 | 4/6/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70.24% is less than Guideline CLTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | XXX is Below the Guideline Maximum - Calculated LTV of 70.24% is less than Guideline LTV of 90% | 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. | Resolved | 4/6/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305066383 | FCOM8997 | 4/6/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70.24% is less than Guideline CLTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | XXX is Below the Guideline Maximum - Calculated LTV of 70.24% is less than Guideline LTV of 90% | 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. | Resolved | 4/6/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305077993 | FCRE5802 | 4/15/2026 | Credit | Eligibility | Cash reserves less than required by guidelines | The Lender Matrix for the Select Program requires XXX months reserves for the subject property and XXX additional months for each investment property. Therefore, the subject loan required XXX months reserves. The Matrix also States cash-out cannot be utilized to meet the reserve requirement. | Document Uploaded. The XXX and loan approval have been updated to reflect the correct loan program, and no reserves are required | Updated program - 70% LTV no reserves required. Core NonQM | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 4/15/2026 | C | A | C | A | C | A | C | A | C | A | C | A | |
| XXX | XXXXX | 305077993 | FCRE1159 | 4/8/2026 | Credit | Insurance | Hazard Insurance Effective Date is after the Disbursement Date | Hazard Insurance Effective Date of XX/XX/XXXX is after the Disbursement Date of XX/XX/XXXX. The Hazard Insurance inception date is XX/XX/XXXX, the XXX is XX/XX/XXXX. | Document Uploaded. Hi, that's the renewal policy. Here is the current policy from XXX - XXX | Hazard Insurance Effective Date of XX/XX/XXXX is prior to or equal to the Disbursement Date of XX/XX/XXXX Or Hazard Insurance Effective Date Is Not Provided.; Insurance cert provided. | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 4/8/2026 | C | A | C | A | C | A | C | A | C | A | C | A | |
| XXX | XXXXX | 305077993 | FPRO8998 | 4/6/2026 | Property | Data | No Property Findings | No property findings. Property and valuations related findings were not identified on the loan. | Informational | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 4/6/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305077993 | FCOM8997 | 4/6/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 4/6/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305077950 | FPRO8998 | 4/7/2026 | Property | Data | No Property Findings | No property findings. Property and valuations related findings were not identified on the loan. | Informational | 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. | Resolved | 4/7/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305077950 | FCRE8999 | 4/7/2026 | Credit | Data | No Credit Findings | No credit findings. The loan meets all applicable credit guidelines. | Informational | 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. | Resolved | 4/7/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305077950 | FCOM8997 | 4/7/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 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. | Resolved | 4/7/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305087464 | FCOM8997 | 4/7/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 4/7/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305087464 | FCRE8999 | 4/7/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 4/7/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305087464 | FPRO8998 | 4/7/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 4/7/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305092291 | finding-XXX | 4/7/2026 | Compliance | Points & Fees | XXX Higher-Priced Mortgage Loan Test | HPML escrow established, appraisal requirement met This loan failed theXXX higher-priced mortgage loan test. (XXX, XXX Division 1.9 4995(a))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX hile the XXX provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | Informational | 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 | XXX 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% | Resolved | 4/7/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305092291 | finding-XXX | 4/7/2026 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML escrow established, appraisal requirement met This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | Informational | 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 | XXX 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% | Resolved | 4/7/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305092291 | FCRE8999 | 4/7/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 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 | XXX 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% | Resolved | 4/7/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305092291 | FPRO8998 | 4/7/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 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 | XXX 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% | Resolved | 4/7/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305085284 | FCRE1295 | 4/22/2026 | Credit | Income/Employment | Income 4 Months Income Verified is Missing | Income XXX Months Income Verified is Missing Investment property located at, XXX : The Final 1003 REO page disclosed a monthly mortgage payment of XXX and a monthly tax payment of XXX this was used to qualify the subject property transaction for this investment property at origination. The loan file only contained XXX mortgage payment checks for XXX each for months XX/XX/XXXX thru XX/XX/XXXX and a tax document verifying the monthly tax payment. Per the Lender's guidelines, the most recent XXX month XXX is to be provided for verification. This mortgage was not disclosed on the credit report or any of the credit supplement reports provided in the loan file. The loan file did not contain any additional XXX verification documents for this investment property. Please provide XXX month XXX verification documents for this investment property. | Document Uploaded. We have the payment history from the time of purchase. Closed XX/XX/XXXX | XXX not available as purchased XX/XX/XXXX. Rescinded. | Rescinded | A | A | A | A | A | A | A | A | A | A | A | A | |||
| XXX | XXXXX | 305085284 | FCOM8997 | 4/9/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 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% | Resolved | 4/9/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305085284 | FPRO8998 | 4/9/2026 | Property | Data | 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 | 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% | Resolved | 4/9/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305092295 | FCOM1208 | 4/10/2026 | Credit | Missing Doc | The Note is Incomplete | The Note is Incomplete Page XXX of the Note is missing from the loan file. | Document Uploaded. | Documentation is sufficient. Note provided. Exception resolved.; The Note is Present | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 69.9% is less than Guideline CLTV of 80% | XXX is Below the Guideline Maximum - Calculated LTV of 69.9% 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 | Resolved | 4/10/2026 | D | A | D | A | D | A | D | A | D | A | D | A | |
| XXX | XXXXX | 305092295 | FPRO8998 | 4/8/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | informational | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 69.9% is less than Guideline CLTV of 80% | XXX is Below the Guideline Maximum - Calculated LTV of 69.9% 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 | Resolved | 4/8/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305092295 | FCOM8997 | 4/8/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | informational | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 69.9% is less than Guideline CLTV of 80% | XXX is Below the Guideline Maximum - Calculated LTV of 69.9% 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 | Resolved | 4/8/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305092292 | FCRE1479 | 4/10/2026 | Credit | Assets | Asset 1 Does Not Meet Guideline Requirements | Asset Record XXX Does Not Meet G/L Requirements. Missing XXX evidence of the source of the XXX large deposits into XXX acct #XXX XX/XX/XXXX and XX/XX/XXXX. Guideline defines a large deposit as XXX% of the loan amount for the subject transaction. | Document Uploaded. Per XXX-Those two deposits were backed out since the borrower has sufficient funds to close with out them. | Documentation is sufficient. Updated XXX provided backing out large deposits. Exception resolved.; Asset Record XXX Meets G/L Requirements | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 53.49% is less than Guideline CLTV of 85% | XXX is Below the Guideline Maximum - Calculated LTV of 53.49% is less than Guideline LTV of 85% | 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% | Resolved | 4/10/2026 | C | A | C | A | C | A | C | A | C | A | C | A | |
| XXX | XXXXX | 305092292 | FCRE7497 | 4/10/2026 | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Missing documentation of the PITIA for the property located at XXX listed on the Final 1003 REO section with a total payment of $XXX. | Document Uploaded. | Documentation is sufficient. Payment slip, Final CD provided. Exception resolved. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 53.49% is less than Guideline CLTV of 85% | XXX is Below the Guideline Maximum - Calculated LTV of 53.49% is less than Guideline LTV of 85% | 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% | Resolved | 4/10/2026 | D | A | D | A | D | A | D | A | D | A | D | A | |
| XXX | XXXXX | 305092292 | FCOM8997 | 4/8/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | informational | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 53.49% is less than Guideline CLTV of 85% | XXX is Below the Guideline Maximum - Calculated LTV of 53.49% is less than Guideline LTV of 85% | 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% | Resolved | 4/8/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305092292 | FPRO8998 | 4/8/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | informational | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 53.49% is less than Guideline CLTV of 85% | XXX is Below the Guideline Maximum - Calculated LTV of 53.49% is less than Guideline LTV of 85% | 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% | Resolved | 4/8/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305092290 | FCRE8999 | 4/8/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | informational | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 47.82% is less than Guideline CLTV of 75% | XXX is Below the Guideline Maximum - Calculated LTV of 47.82% is less than Guideline LTV of 75% | Resolved | 4/8/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305092290 | FPRO8998 | 4/8/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | informational | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 47.82% is less than Guideline CLTV of 75% | XXX is Below the Guideline Maximum - Calculated LTV of 47.82% is less than Guideline LTV of 75% | Resolved | 4/8/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305092290 | FCOM8997 | 4/8/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | informational | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 47.82% is less than Guideline CLTV of 75% | XXX is Below the Guideline Maximum - Calculated LTV of 47.82% is less than Guideline LTV of 75% | Resolved | 4/8/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305092289 | FCRE1437 | 4/10/2026 | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines - As borrower employment history does not meet lender guidelines: However, the loan file contains a lender approved Exception allowing employment history and proceeding with the loan. The borrower has only been employed with current employer since XX/XX/XXXX, which is not a full XXX months. The lender identified the following compensating factors to justify the approval; XXX credit history/minimal use of consumer credit, no discretionary debt, minimal to no payment shock, low DTI, significant residual income and excessive reserves. Income has been averaged over XXX months and prior employment in the same line of work. Exception downgraded to a level 2/B. | Please downgrade to B and close. | Guidelines require a XXX month employment history. The Borrower started with the company XX/XX/XXXX, which is not a full XXX months, against guideline requirements. However, a credit exception was approved, citing compensating factors of an XXX credit history/minimal use of consumer credit, minimal to no payment shock, significant residual income and excessive reserves. Acknowledged and downgraded.; Income and Employment Meet Guidelines | XXX is Below the Guideline Maximum - Calculated LTV of 45.23% is less than Guideline LTV of 85% | 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 45.23% is less than Guideline CLTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Acknowledged | Yes | C | B | C | B | C | B | C | B | C | B | C | B | |
| XXX | XXXXX | 305092289 | FCRE1183 | 4/10/2026 | Credit | Missing Doc | Approval/Underwriting Summary Partially Provided | Approval/Underwriting Summary Partially Provided. Final XXX and Lender Approval appraised value XXX needs to be updated to match appraisal and desk review value XXX | Document Uploaded. ; Document Uploaded. | Documentation is sufficient. Updated XXX and Approval provided. Exception resolved.; Approval/Underwriting Summary is fully present | XXX is Below the Guideline Maximum - Calculated LTV of 45.23% is less than Guideline LTV of 85% | 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 45.23% is less than Guideline CLTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 4/10/2026 | B | A | B | A | B | A | B | A | B | A | B | A | |
| XXX | XXXXX | 305092289 | FCOM8997 | 4/8/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | informational | XXX is Below the Guideline Maximum - Calculated LTV of 45.23% is less than Guideline LTV of 85% | 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 45.23% is less than Guideline CLTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 4/8/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305092289 | FPRO8998 | 4/8/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | informational | XXX is Below the Guideline Maximum - Calculated LTV of 45.23% is less than Guideline LTV of 85% | 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 45.23% is less than Guideline CLTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 4/8/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305092285 | FCRE8999 | 4/8/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | informational | 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 85% | XXX is Below the Guideline Maximum - Calculated LTV of 60% is less than Guideline LTV of 85% | Resolved | 4/8/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305092285 | FPRO8998 | 4/8/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | informational | 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 85% | XXX is Below the Guideline Maximum - Calculated LTV of 60% is less than Guideline LTV of 85% | Resolved | 4/8/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305092285 | FCOM8997 | 4/8/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | informational | 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 85% | XXX is Below the Guideline Maximum - Calculated LTV of 60% is less than Guideline LTV of 85% | Resolved | 4/8/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305092273 | FCOM8997 | 4/8/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | informational | Resolved | 4/8/2026 | A | A | A | A | A | A | A | A | A | A | A | A | |||
| XXX | XXXXX | 305092273 | FCRE8999 | 4/8/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | informational | Resolved | 4/8/2026 | A | A | A | A | A | A | A | A | A | A | A | A | |||
| XXX | XXXXX | 305092273 | FPRO8998 | 4/8/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | informational | Resolved | 4/8/2026 | A | A | A | A | A | A | A | A | A | A | A | A | |||
| XXX | XXXXX | 305092269 | FCRE8999 | 4/8/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | informational | XXX is Below the Guideline Maximum - Calculated LTV of 58% is less than Guideline LTV of 70% | 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% is less than Guideline CLTV of 70% | Resolved | 4/8/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305092269 | FPRO8998 | 4/8/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | informational | XXX is Below the Guideline Maximum - Calculated LTV of 58% is less than Guideline LTV of 70% | 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% is less than Guideline CLTV of 70% | Resolved | 4/8/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305092269 | FCOM8997 | 4/8/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | informational | XXX is Below the Guideline Maximum - Calculated LTV of 58% is less than Guideline LTV of 70% | 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% is less than Guideline CLTV of 70% | Resolved | 4/8/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305092265 | FCRE8999 | 4/8/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | informational | 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 | XXX is Below the Guideline Maximum - Calculated LTV of 25% is less than Guideline LTV of 90% | 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 25% is less than Guideline CLTV of 90% | Resolved | 4/8/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305092265 | FPRO8998 | 4/8/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | informational | 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 | XXX is Below the Guideline Maximum - Calculated LTV of 25% is less than Guideline LTV of 90% | 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 25% is less than Guideline CLTV of 90% | Resolved | 4/8/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305092265 | FCOM8997 | 4/8/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | informational | 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 | XXX is Below the Guideline Maximum - Calculated LTV of 25% is less than Guideline LTV of 90% | 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 25% is less than Guideline CLTV of 90% | Resolved | 4/8/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305092264 | FCOM8997 | 4/8/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | informational | Resolved | 4/8/2026 | A | A | A | A | A | A | A | A | A | A | A | A | |||
| XXX | XXXXX | 305092264 | FCRE8999 | 4/8/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | informational | Resolved | 4/8/2026 | A | A | A | A | A | A | A | A | A | A | A | A | |||
| XXX | XXXXX | 305092264 | FPRO8998 | 4/8/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | informational | Resolved | 4/8/2026 | A | A | A | A | A | A | A | A | A | A | A | A | |||
| XXX | XXXXX | 305092249 | FCRE9780 | 4/14/2026 | Credit | Missing Doc | Business Purpose Affidavit/Disclosure Missing | Business Purpose Affidavit/Disclosure Missing. Missing fully executed Business Purpose Disclosure for the subject transaction. | Document Uploaded. | Documentation is sufficient. Business Purpose in file, Business Narrative provided. Exception resolved.; Business Purpose Affidavit/Disclosure Provided | 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% | Resolved | 4/14/2026 | D | A | D | A | D | A | D | A | D | A | D | A | |
| XXX | XXXXX | 305092249 | FCRE3653 | 4/13/2026 | Credit | Missing Doc | Missing letter of explanation | Received rental agreement for the property at XXX in loan file. Property is not listed on the 1003s provided. Missing borrower explanation to address if this property was recently purchased, document its payment if required and VOM to insure paid as agreed. | Document Uploaded. | Documentation is sufficient. Updated 1003 provided. Exception resolved. | 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% | Resolved | 4/13/2026 | D | A | D | A | D | A | D | A | D | A | D | A | |
| XXX | XXXXX | 305092249 | FCRE7497 | 4/13/2026 | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Missing verification of the HOA dues for the property at XXX . Web search indicates HOA dues are required for this property. | Document Uploaded. Property is not in a PUD. Property profile in file shows no HOA. ; This is an alt XXX- reserves are calculated off the subject's PITIA-I don't believe this is necessary. "Additional Financed REO – when the borrower owns any additional financed property(ies) the minimum reserve requirement is XXX months of the subject property’s PITIA. If the subject transaction loan amount requires a minimum nine XXX months reserves then the requirement is automatically increased to match the same XXX months subject PITIA requirement. The reserve calculation is based on the subject property‘s PITIA – not the additional financed REO." | Documentation is sufficient. Property not in an HOA. Exception resolved.; Need the HOA documentation so the PITIA can be documented, not for reserves. Exception remains. | 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% | Resolved | 4/13/2026 | D | A | D | A | D | A | D | A | D | A | D | A | |
| XXX | XXXXX | 305092249 | FCOM1232 | 4/10/2026 | Credit | Missing Doc | The Final 1003 is Missing | The Final 1003 is Missing. Missing fully executed Final 1003. | Document Uploaded. | Documentation is sufficient. 1003 provided. Exception resolved.; The Final 1003 is Present | 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% | Resolved | 4/10/2026 | D | A | D | A | D | A | D | A | D | A | D | A | |
| XXX | XXXXX | 305092249 | FCOM1223 | 4/10/2026 | Credit | Closing | The Deed of Trust is Not Executed | The Deed of Trust is Not Executed Missing fully executed copy of the Deed Of Trust. | Document Uploaded. | Documentation is sufficient. Executed Deed of Trust provided. Exception resolved.; The Deed of Trust is Executed | 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% | Resolved | 4/10/2026 | D | A | D | A | D | A | D | A | D | A | D | A | |
| XXX | XXXXX | 305092249 | FCRE5116 | 4/10/2026 | Credit | Missing Doc | Missing VOM or VOR | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. Missing updated VOM for the property at XXX to verify paid on time through the XX/XX/XXXX payment. | Document Uploaded. current VOR shows next due as XX/XX/XXXX | Documentation is sufficient. VOM provided. Exception resolved. | 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% | Resolved | 4/10/2026 | D | A | D | A | D | A | D | A | D | A | D | A | |
| XXX | XXXXX | 305092249 | FPRO8998 | 4/8/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | informational | 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% | Resolved | 4/8/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305092249 | FCOM8997 | 4/8/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | informational | 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% | Resolved | 4/8/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305092243 | FCOM2196 | 4/20/2026 | Credit | Closing | Rider to note is unsigned | Non borrower did not sign and date the XXX | Document Uploaded. | Signed PPP Rider provide with both borrowers signatures. | Resolved | 4/20/2026 | C | A | C | A | C | A | C | A | C | A | C | A | ||
| XXX | XXXXX | 305092243 | FCRE2052 | 4/10/2026 | Credit | Missing Doc | Missing Tax Cert | Missing tax certificate verifying tax rate XXX used by Lender. | Document Uploaded. | Documentation is sufficient. Tax cert provided. Exception resolved. | Resolved | 4/10/2026 | D | A | D | A | D | A | D | A | D | A | D | A | ||
| XXX | XXXXX | 305092243 | FPRO8998 | 4/8/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | informational | Resolved | 4/8/2026 | A | A | A | A | A | A | A | A | A | A | A | A | |||
| XXX | XXXXX | 305092238 | FCRE8999 | 4/8/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | informational | Resolved | 4/8/2026 | A | A | A | A | A | A | A | A | A | A | A | A | |||
| XXX | XXXXX | 305092238 | FCOM8997 | 4/8/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | informational | Resolved | 4/8/2026 | A | A | A | A | A | A | A | A | A | A | A | A | |||
| XXX | XXXXX | 305092238 | FPRO8998 | 4/8/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | informational | Resolved | 4/8/2026 | A | A | A | A | A | A | A | A | A | A | A | A | |||
| XXX | XXXXX | 305092216 | FCOM8997 | 4/8/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | informational | 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 85% | XXX is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 85% | Resolved | 4/8/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305092216 | FCRE8999 | 4/8/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | informational | 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 85% | XXX is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 85% | Resolved | 4/8/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305092216 | FPRO8998 | 4/8/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | informational | 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 85% | XXX is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 85% | Resolved | 4/8/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305092213 | FCOM8997 | 4/8/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | informational | Resolved | 4/8/2026 | A | A | A | A | A | A | A | A | A | A | A | A | |||
| XXX | XXXXX | 305092213 | FCRE8999 | 4/8/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | informational | Resolved | 4/8/2026 | A | A | A | A | A | A | A | A | A | A | A | A | |||
| XXX | XXXXX | 305092213 | FPRO8998 | 4/8/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | informational | Resolved | 4/8/2026 | A | A | A | A | A | A | A | A | A | A | A | A | |||
| XXX | XXXXX | 305092208 | FCRE8999 | 4/8/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | informational | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 4/8/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305092208 | FPRO8998 | 4/8/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | informational | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 4/8/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305092208 | FCOM8997 | 4/8/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | informational | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 4/8/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305092202 | FCOM8997 | 4/8/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | informational | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 4/8/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305092202 | FCRE8999 | 4/8/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | informational | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 4/8/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305092202 | FPRO8998 | 4/8/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | informational | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 4/8/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305092197 | FCOM8997 | 4/8/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | informational | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 4/8/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305092197 | FCRE8999 | 4/8/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | informational | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 4/8/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305092197 | FPRO8998 | 4/8/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | informational | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 4/8/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305092193 | FCRE8999 | 4/9/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 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 35.59% is less than Guideline CLTV of 75% | XXX is Below the Guideline Maximum - Calculated LTV of 35.59% is less than Guideline LTV of 75% | Resolved | 4/9/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305092193 | FPRO8998 | 4/9/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 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 35.59% is less than Guideline CLTV of 75% | XXX is Below the Guideline Maximum - Calculated LTV of 35.59% is less than Guideline LTV of 75% | Resolved | 4/9/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305092193 | FCOM8997 | 4/9/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 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 35.59% is less than Guideline CLTV of 75% | XXX is Below the Guideline Maximum - Calculated LTV of 35.59% is less than Guideline LTV of 75% | Resolved | 4/9/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305078005 | finding-XXX | 4/13/2026 | Compliance | Right to Rescind | TILA Right of Rescission Test | 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. Documentation Required: The disbursement date of XX/XX/XXXX is before the cancel by date on the ROR listed as XX/XX/XXXX. Proof of actual disbursement date is required to resolve or a cure package requires PCCD, LOE, new ROR providing XXX days right to cancel | Document Uploaded. | PCCD provided with updated disbursement date; exception resolved; PCCD provided with updated disbursement date; exception resolved | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 71.17% is less than Guideline CLTV of 85% | Borrower has stable job time - Borrower has XXX years on job. | XXX is Below the Guideline Maximum - Calculated LTV of 71.17% is less than Guideline LTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 4/13/2026 | C | A | C | A | C | A | C | A | C | A | C | A | |
| XXX | XXXXX | 305078005 | FCRE1254 | 4/13/2026 | Credit | Title | Property Title Issue | Property Title Issue The Preliminary Title Report includes a lien from XX/XX/XXXX, item XXX An updated Title Report or supplement stating that the items was removed was not found in the loan file. | Document Uploaded. | Property Title Issue Resolved; Updated report provided. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 71.17% is less than Guideline CLTV of 85% | Borrower has stable job time - Borrower has XXX years on job. | XXX is Below the Guideline Maximum - Calculated LTV of 71.17% is less than Guideline LTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 4/13/2026 | C | A | C | A | C | A | C | A | C | A | C | A | |
| XXX | XXXXX | 305078005 | FPRO8998 | 4/9/2026 | Property | Data | No Property Findings | No property findings. Property and valuations related findings were not identified on the loan. | Informational | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 71.17% is less than Guideline CLTV of 85% | Borrower has stable job time - Borrower has XXX years on job. | XXX is Below the Guideline Maximum - Calculated LTV of 71.17% is less than Guideline LTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 4/9/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305078025 | FCOM8997 | 4/9/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | XXX is Below the Guideline Maximum - Calculated LTV of 55.49% is less than Guideline LTV of 85% | 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 55.49% is less than Guideline CLTV of 85% | 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 | Resolved | 4/9/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305078025 | FCRE8999 | 4/9/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | XXX is Below the Guideline Maximum - Calculated LTV of 55.49% is less than Guideline LTV of 85% | 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 55.49% is less than Guideline CLTV of 85% | 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 | Resolved | 4/9/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305078025 | FPRO8998 | 4/9/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | XXX is Below the Guideline Maximum - Calculated LTV of 55.49% is less than Guideline LTV of 85% | 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 55.49% is less than Guideline CLTV of 85% | 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 | Resolved | 4/9/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305092294 | FCRE8999 | 4/9/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 19.79% is less than Guideline CLTV of 85% | XXX is Below the Guideline Maximum - Calculated LTV of 19.79% is less than Guideline LTV of 85% | Resolved | 4/9/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305092294 | FPRO8998 | 4/9/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 19.79% is less than Guideline CLTV of 85% | XXX is Below the Guideline Maximum - Calculated LTV of 19.79% is less than Guideline LTV of 85% | Resolved | 4/9/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305092294 | FCOM8997 | 4/9/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 19.79% is less than Guideline CLTV of 85% | XXX is Below the Guideline Maximum - Calculated LTV of 19.79% is less than Guideline LTV of 85% | Resolved | 4/9/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305092247 | FCOM8997 | 4/9/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | Resolved | 4/9/2026 | A | A | A | A | A | A | A | A | A | A | A | A | |||
| XXX | XXXXX | 305092247 | FCRE8999 | 4/9/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | Resolved | 4/9/2026 | A | A | A | A | A | A | A | A | A | A | A | A | |||
| XXX | XXXXX | 305092247 | FPRO8998 | 4/9/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | Resolved | 4/9/2026 | A | A | A | A | A | A | A | A | A | A | A | A | |||
| XXX | XXXXX | 305092234 | FCRE8999 | 4/9/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 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. | Resolved | 4/9/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305092234 | FPRO8998 | 4/9/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 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. | Resolved | 4/9/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305092234 | FCOM8997 | 4/9/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 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. | Resolved | 4/9/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305077919 | finding-XXX | 4/9/2026 | Compliance | Points & Fees | XXX Higher-Priced Mortgage Loan Test | This loan failed theXXX higher-priced mortgage loan test. (XXX, XXX Division 1.9 4995(a))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX hile the XXX provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. No Cure required. HPML with established XXX and appraisal requirements met. Exception downgraded | HPML compliant | 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 | XXX is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% | 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 80% is less than Guideline CLTV of 90% | Resolved | 4/9/2026 | C | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305077919 | finding-XXX | 4/9/2026 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. No Cure required. HPML with established XXX and appraisal requirements met. Exception downgraded | HPML compliant | 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 | XXX is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% | 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 80% is less than Guideline CLTV of 90% | Resolved | 4/9/2026 | C | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305077919 | FCRE8999 | 4/9/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 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 | XXX is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% | 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 80% is less than Guideline CLTV of 90% | Resolved | 4/9/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305077919 | FPRO8998 | 4/9/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 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 | XXX is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% | 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 80% is less than Guideline CLTV of 90% | Resolved | 4/9/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305092274 | FCRE8999 | 4/10/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | XXX is Below the Guideline Maximum - Calculated LTV of 67.93% 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 67.93% is less than Guideline CLTV of 80% | Resolved | 4/10/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305092274 | FPRO8998 | 4/10/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | XXX is Below the Guideline Maximum - Calculated LTV of 67.93% 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 67.93% is less than Guideline CLTV of 80% | Resolved | 4/10/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305092274 | FCOM8997 | 4/10/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | XXX is Below the Guideline Maximum - Calculated LTV of 67.93% 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 67.93% is less than Guideline CLTV of 80% | Resolved | 4/10/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305092231 | FCOM8997 | 4/10/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 68.75% is less than Guideline CLTV of 80% | XXX is Below the Guideline Maximum - Calculated LTV of 68.75% is less than Guideline LTV of 80% | Resolved | 4/10/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305092231 | FPRO8998 | 4/10/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 68.75% is less than Guideline CLTV of 80% | XXX is Below the Guideline Maximum - Calculated LTV of 68.75% is less than Guideline LTV of 80% | Resolved | 4/10/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305092231 | FCRE8999 | 4/10/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 68.75% is less than Guideline CLTV of 80% | XXX is Below the Guideline Maximum - Calculated LTV of 68.75% is less than Guideline LTV of 80% | Resolved | 4/10/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305092230 | FPRO8998 | 4/10/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | XXX is Below the Guideline Maximum - Calculated LTV of 51.28% is less than Guideline LTV of 75% | 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 51.28% is less than Guideline CLTV of 75% | Resolved | 4/10/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305092230 | FCOM8997 | 4/10/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | XXX is Below the Guideline Maximum - Calculated LTV of 51.28% is less than Guideline LTV of 75% | 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 51.28% is less than Guideline CLTV of 75% | Resolved | 4/10/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305092230 | FCRE8999 | 4/10/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | XXX is Below the Guideline Maximum - Calculated LTV of 51.28% is less than Guideline LTV of 75% | 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 51.28% is less than Guideline CLTV of 75% | Resolved | 4/10/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305092276 | FCRE8999 | 4/13/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | XXX is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 85% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 4/13/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305092276 | FPRO8998 | 4/13/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | XXX is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 85% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 4/13/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305092276 | FCOM8997 | 4/13/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | XXX is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 85% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 4/13/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305092268 | FCRE8999 | 4/13/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 4/13/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305092268 | FCOM8997 | 4/13/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 4/13/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305092268 | FPRO8998 | 4/13/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 4/13/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305092256 | FCOM8997 | 4/13/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | XXX is Below the Guideline Maximum - Calculated LTV of 73.17% is less than Guideline LTV of 85% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 73.17% is less than Guideline CLTV of 85% | Resolved | 4/13/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305092256 | FCRE8999 | 4/13/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | XXX is Below the Guideline Maximum - Calculated LTV of 73.17% is less than Guideline LTV of 85% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 73.17% is less than Guideline CLTV of 85% | Resolved | 4/13/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305092256 | FPRO8998 | 4/13/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | XXX is Below the Guideline Maximum - Calculated LTV of 73.17% is less than Guideline LTV of 85% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 73.17% is less than Guideline CLTV of 85% | Resolved | 4/13/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305092250 | FPRO8998 | 4/13/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 4/13/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305092250 | FCOM8997 | 4/13/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 4/13/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305092250 | FCRE8999 | 4/13/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 4/13/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305092228 | finding-XXX | 4/15/2026 | Compliance | TRID | 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 XXX and specified legal XXX) 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 XXX and specified legal XXX) 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 XXX and specified legal XXX) 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 closing. The defect can be cured by providing evidence showing the consumer received the loan estimate at least XXX business days prior to closing | Document Uploaded. | Revised LE receipt date provided; exception resolved; Revised LE receipt date provided; exception resolved | 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 | XXX is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 90% | Resolved | 4/15/2026 | C | A | C | A | C | A | C | A | C | A | C | A | |
| XXX | XXXXX | 305092228 | finding-XXX | 4/15/2026 | Compliance | TRID Tolerance | 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 according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130B Cure required, Because the loan failed the delivery date test due to missing proof of delivery. COC in file is valid, once proof of the revised XXX receipt date at least XXX days prior to consummation is provided the exception will be resolved | Document Uploaded. | Revised LE receipt date provided; exception resolved; Revised LE receipt date provided; exception resolved | 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 | XXX is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 90% | Resolved | 4/15/2026 | C | A | C | A | C | A | C | A | C | A | C | A | |
| XXX | XXXXX | 305092228 | FPRO8998 | 4/13/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 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 | XXX is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 90% | Resolved | 4/13/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305092228 | FCRE8999 | 4/13/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 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 | XXX is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 90% | Resolved | 4/13/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305092223 | FCRE8999 | 4/13/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 4/13/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305092223 | FCOM8997 | 4/13/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 4/13/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305092223 | FPRO8998 | 4/13/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 4/13/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305092222 | FCRE8999 | 4/13/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | Resolved | 4/13/2026 | A | A | A | A | A | A | A | A | A | A | A | A | |||
| XXX | XXXXX | 305092222 | FPRO8998 | 4/13/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | Resolved | 4/13/2026 | A | A | A | A | A | A | A | A | A | A | A | A | |||
| XXX | XXXXX | 305092222 | FCOM8997 | 4/13/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | Resolved | 4/13/2026 | A | A | A | A | A | A | A | A | A | A | A | A | |||
| XXX | XXXXX | 305092205 | FCOM8997 | 4/13/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | XXX is Below the Guideline Maximum - Calculated LTV of 75% is less than Guideline LTV of 85% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 75% is less than Guideline CLTV of 85% | Resolved | 4/13/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305092205 | FCRE8999 | 4/13/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | XXX is Below the Guideline Maximum - Calculated LTV of 75% is less than Guideline LTV of 85% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 75% is less than Guideline CLTV of 85% | Resolved | 4/13/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305092205 | FPRO8998 | 4/13/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | XXX is Below the Guideline Maximum - Calculated LTV of 75% is less than Guideline LTV of 85% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 75% is less than Guideline CLTV of 85% | Resolved | 4/13/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305092196 | FCOM8997 | 4/13/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 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% | Resolved | 4/13/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305092196 | FCRE8999 | 4/13/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 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% | Resolved | 4/13/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305092196 | FPRO8998 | 4/13/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 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% | Resolved | 4/13/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305092190 | FCRE7495 | 4/17/2026 | Credit | Missing Doc | Verification of Borrower Liabilities Missing or Incomplete | Final 1003 reflects a 2nd lien with XXX, #XXX, on primary residence, XXX . Documentation validating terms of repayment and proceeds to borrower, if applicable, is required. Final 1003 reflects a new refinance/purchase thru XXX, XXX. Final, executed documentation validating PITIA payments and cash out, if applicable, is required. Final 1003 reflects a new refinance thru XXX, XXX . Final, executed documentation validating PITIA payments and minimum cash out of, XXX is required. The Lease Agreement for REO, XXX, reflecting a lease amount of, XXX is missing from the loan file. | Document Uploaded. sorry about that! ; Document Uploaded. ; Document Uploaded. | Documentation is sufficient. HELOC Statement and lease agreements provided. Exception resolved.; Received lese agreement for XXX. Still need documentation for 2nd lien on XXX . Exception remains.; Still missing documentation for the 2nd lien on XXX; missing the lease agreement for XXX . Exception remains. | 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. | Resolved | 4/17/2026 | D | A | D | A | D | A | D | A | D | A | D | A | |
| XXX | XXXXX | 305092190 | FPRO8998 | 4/13/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 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. | Resolved | 4/13/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305092190 | FCOM8997 | 4/13/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 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. | Resolved | 4/13/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305092267 | FCOM8997 | 4/14/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | XXX is Below the Guideline Maximum - Calculated LTV of 59.02% is less than Guideline LTV of 85% | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 59.02% is less than Guideline CLTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 4/14/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305092267 | FCRE8999 | 4/14/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | XXX is Below the Guideline Maximum - Calculated LTV of 59.02% is less than Guideline LTV of 85% | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 59.02% is less than Guideline CLTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 4/14/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305092267 | FPRO8998 | 4/14/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | XXX is Below the Guideline Maximum - Calculated LTV of 59.02% is less than Guideline LTV of 85% | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 59.02% is less than Guideline CLTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 4/14/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305092263 | FCOM8997 | 4/14/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 4/14/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305092263 | FCRE8999 | 4/14/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 4/14/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305092263 | FPRO8998 | 4/14/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 4/14/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305092262 | FCOM1221 | 4/16/2026 | Credit | Missing Doc | The Deed of Trust is Incomplete | The Deed of Trust is Incomplete Executed XXX in file but Deed of Trust was not marked for a XXX and did not receive a XXX to the Note. Is the XXX valid? If XXX is Valid provide an updated Deed of Trust marking that XXX is attached and a XXX to the Note. | Document Uploaded. This printed erroneously, but was removed prior to recording. XXX uploaded -there's no PPP on this loan. | Documentation provided is sufficient. Exception resolved.; The Deed of Trust is Present and Complete | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | XXX is Below the Guideline Maximum - Calculated LTV of 67.4% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 67.4% is less than Guideline CLTV of 80% | Resolved | 4/16/2026 | D | A | D | A | D | A | D | A | D | A | D | A | |
| XXX | XXXXX | 305092262 | FCOM8997 | 4/14/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | XXX is Below the Guideline Maximum - Calculated LTV of 67.4% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 67.4% is less than Guideline CLTV of 80% | Resolved | 4/14/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305092262 | FPRO8998 | 4/14/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | XXX is Below the Guideline Maximum - Calculated LTV of 67.4% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 67.4% is less than Guideline CLTV of 80% | Resolved | 4/14/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305092242 | FCOM8997 | 4/14/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | XXX is Below the Guideline Maximum - Calculated LTV of 75% is less than Guideline LTV of 85% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 75% is less than Guideline CLTV of 85% | Resolved | 4/14/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305092242 | FCRE8999 | 4/14/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | XXX is Below the Guideline Maximum - Calculated LTV of 75% is less than Guideline LTV of 85% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 75% is less than Guideline CLTV of 85% | Resolved | 4/14/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305092242 | FPRO8998 | 4/14/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | XXX is Below the Guideline Maximum - Calculated LTV of 75% is less than Guideline LTV of 85% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 75% is less than Guideline CLTV of 85% | Resolved | 4/14/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305092241 | FCOM8997 | 4/14/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 74.86% is less than Guideline CLTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | XXX is Below the Guideline Maximum - Calculated LTV of 74.86% is less than Guideline LTV of 85% | Resolved | 4/14/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305092241 | FCRE8999 | 4/14/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 74.86% is less than Guideline CLTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | XXX is Below the Guideline Maximum - Calculated LTV of 74.86% is less than Guideline LTV of 85% | Resolved | 4/14/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305092241 | FPRO8998 | 4/14/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 74.86% is less than Guideline CLTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | XXX is Below the Guideline Maximum - Calculated LTV of 74.86% is less than Guideline LTV of 85% | Resolved | 4/14/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305077892 | FCOM8997 | 4/15/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 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 | Resolved | 4/15/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305077892 | FPRO8998 | 4/15/2026 | Property | Data | No Property Findings | No property findings. Property and valuations related findings were not identified on the loan. | Informational | 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 | Resolved | 4/15/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305077892 | FCRE8999 | 4/15/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 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 | Resolved | 4/15/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305088916 | FCOM8997 | 4/17/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 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 63.86% is less than Guideline CLTV of 80% | XXX is Below the Guideline Maximum - Calculated LTV of 63.86% 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. | Resolved | 4/17/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305088916 | FPRO8998 | 4/17/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 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 63.86% is less than Guideline CLTV of 80% | XXX is Below the Guideline Maximum - Calculated LTV of 63.86% 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. | Resolved | 4/17/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305088916 | FCRE8999 | 4/17/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 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 63.86% is less than Guideline CLTV of 80% | XXX is Below the Guideline Maximum - Calculated LTV of 63.86% 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. | Resolved | 4/17/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305088910 | FPRO8998 | 4/20/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 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. | Resolved | 4/20/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305088910 | FCRE8999 | 4/20/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 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. | Resolved | 4/20/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305088910 | FCOM8997 | 4/20/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 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. | Resolved | 4/20/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305095373 | finding-XXX | 4/21/2026 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXX with established XXX and appraisal requirements have been met. HPML Downgraded HPML compliant | HPML compliant | 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. | Resolved | 4/21/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305095373 | FCRE8999 | 4/20/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 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. | Resolved | 4/20/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305095373 | FPRO8998 | 4/20/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 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. | Resolved | 4/20/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305095335 | FCRE2109 | 4/27/2026 | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | The subject loan was approved under the XXX month bank Statement program. The Lender income worksheet only accounts for XXX months of income calculations. | Document Uploaded. correct income calc uploaded, please review/clear. | Calculation provided. | 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. | Resolved | 4/27/2026 | D | A | D | A | D | A | D | A | D | A | D | A | |
| XXX | XXXXX | 305095335 | FCOM8997 | 4/20/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 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. | Resolved | 4/20/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305095335 | FPRO8998 | 4/20/2026 | Property | Data | No Property Findings | No property income. Property and valuations related findings were not identified on the loan. | Informational | 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. | Resolved | 4/20/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305088781 | FCRE9992 | 4/27/2026 | Credit | Assets | Borrower Contributions Do Not Met Guideline Minimum | Percent of Borrowers Funds for Down Payment of XXX% does not meet guideline minimum XXX% Down payment required is XXX vs borrower received a gift of XXX Per XXX guidelines gift funds are XXX with either: XXX% of gift funds with 10% LTV reduction or XXX% down payment has been made by the borrower from their own resources. LTV is already at XXX% | Document Uploaded. exception attached from management. | Exception Decision provided. Exception approved for not meeting the minimum borrower contribution requirement of XXX% ($XXX). The borrower's total contribution is XXX which is XXX below the requirement. | Borrower has stable job time - Borrower has XXX years on job. | Acknowledged | No | C | B | C | B | C | B | C | B | C | B | C | B | |
| XXX | XXXXX | 305088781 | finding-XXX | 4/21/2026 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXX with established XXX and appraisal requirements have been met. HPML Downgraded HPML compliant | HPML compliant | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 4/21/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305088781 | FPRO8998 | 4/21/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 4/21/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305077992 | finding-XXX | 4/24/2026 | Compliance | TRID Tolerance | 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 according 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. | Document Uploaded. | Valid COC provided; exception resolved; Valid COC provided; exception resolved | 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. | Resolved | 4/24/2026 | C | A | C | A | C | A | C | A | C | A | C | A | |
| XXX | XXXXX | 305077992 | finding-XXX | 4/24/2026 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXX with established XXX and the appraisal requirements have been met. HPML Downgraded | HPML compliant | 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. | Resolved | 4/24/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305077992 | FCRE8999 | 4/21/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 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. | Resolved | 4/21/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305077992 | FPRO8998 | 4/21/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 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. | Resolved | 4/21/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305078125 | FCRE1193 | 4/23/2026 | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Audited DTI of XXX% exceeds Guideline DTI of XXX% DTI is over the XXX% max DTI allowed by guidelines due to the debt total being higher than final XXX by XXX The Final 1003 shows the XXX being paid off at closing, however, the XXX account was actually paid at closing instead, which had a lower monthly payment than the XXX. Does not qualify for the XXX% DTI requirements as this is a refinance not a purchase on the primary residence. | Document Uploaded. Hi, XXX is pay at closing. | Audited DTI of XXX% is less than or equal to Guideline DTI of XXX%; CD with Lowes paid off. | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 63.81% is less than Guideline CLTV of 85% | XXX is Below the Guideline Maximum - Calculated LTV of 63.81% is less than Guideline LTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 4/23/2026 | C | A | C | A | C | A | C | A | C | A | C | A | |
| XXX | XXXXX | 305078125 | finding-XXX | 4/21/2026 | Compliance | Points & Fees | XXX Higher-Priced Mortgage Loan Test | This loan failed theXXX higher-priced mortgage loan test. (XXX, XXX Division 1.9 4995(a))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX hile the XXX provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXX with established XXX and appraisal requirements have been met. HPML Downgraded | HPML compliant | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 63.81% is less than Guideline CLTV of 85% | XXX is Below the Guideline Maximum - Calculated LTV of 63.81% is less than Guideline LTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 4/21/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305078125 | finding-XXX | 4/21/2026 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXX with established XXX and appraisal requirements have been met. HPML Downgraded | HPML compliant | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 63.81% is less than Guideline CLTV of 85% | XXX is Below the Guideline Maximum - Calculated LTV of 63.81% is less than Guideline LTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 4/21/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305078125 | FPRO8998 | 4/21/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 63.81% is less than Guideline CLTV of 85% | XXX is Below the Guideline Maximum - Calculated LTV of 63.81% is less than Guideline LTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 4/21/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305088876 | FPRO9990 | 5/21/2026 | Property | Third Party Valuation | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. The desk review value is over the XXX% allowed variance; value is less than appraisal completed on the property. | Accepting lower value, property rating downgraded to 2/B grade; Document Uploaded. | 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% | Acknowledged | No | B | B | B | B | B | B | B | B | B | B | B | B | ||
| XXX | XXXXX | 305088876 | FCOM9186 | 5/14/2026 | Compliance | Missing Doc | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. Documentation required- First e-signed document in the file is dated XX/XX/XXXX; however, the file is missing proof of e-consent dated XX/XX/XXXX or before. LE dated XX/XX/XXXX was e-signed on XX/XX/XXXX. | Document Uploaded. | Initial documents were ink signed by the borrower, exception resolved.; Evidence of eConsent is provided. | 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% | Resolved | 5/14/2026 | B | A | B | A | B | A | B | A | B | A | B | A | |
| XXX | XXXXX | 305088876 | FCRE1345 | 5/6/2026 | Credit | Missing Doc | Borrower 1 Lease Agreements Missing | Borrower 1 Lease Agreements Missing Per guidelines for rental income to be verified and used as qualified income the current lease agreement must be in the file to support. Also required per guidelines please provide the most recent XXX month's rent to verify prior to closing. | Document Uploaded. | Borrower 1 Lease Agreements Provided; Updated 1003 and XXX showing no rental income. 1003 shows one sold investment and other escrow only debt. | 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% | Resolved | 5/6/2026 | D | A | D | A | D | A | D | A | D | A | D | A | |
| XXX | XXXXX | 305088876 | finding-XXX | 4/23/2026 | Compliance | Points & Fees | XXX Higher-Priced Mortgage Loan Test | This loan failed the XXX higher-priced mortgage loan test. The loan is a higher-priced mortgage loan, as defined in the legislation. For more information please see the XXX Article section of the full ComplianceAnalyzer report hile the XXX provisions specify that lenders may lawfully make this type of loan subject to certain conditions, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXX with established XXX and appraisal requirements have been met. HPML Downgraded | HPML compliant | 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% | Resolved | 4/23/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305088997 | FCOM1233 | 4/29/2026 | Credit | Missing Doc | The Final 1003 is Incomplete | The Final 1003 is Incomplete. The spouse signed the Note so that person is considered a Borrower. A Final 1003 was not found in the loan file for the spouse and Co-Borrower. | Document Uploaded. Hi, there is no Co-Borrower. The 1003 is only XXX.; Hi, the spouse is on Title only. Do you need us to get a new Note Signed? | Documentation is sufficient. Updated 1003 provided. Exception resolved.; The Final 1003 is Present; | 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 | 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% | Resolved | 4/29/2026 | D | A | D | A | D | A | D | A | D | A | D | A | |
| XXX | XXXXX | 305088997 | FCRE5771 | 4/27/2026 | Credit | Missing Doc | Borrower 2 Credit Report is Missing | Borrower 2 Credit Report is Missing. The spouse signed the Note so she is considered a Borrower. A Credit Report was not found in the loan file for that person the spouse and Co-Borrower. | Hi, the XXX is on Title only. Do you need us to get a new Note Signed? | Client understands spouse is not a borrower. Not actually missing XXX. Rescinded. Signature issues are being handled on other condition. | Rescinded | A | A | A | A | A | A | A | A | A | A | A | A | |||
| XXX | XXXXX | 305088997 | finding-XXX | 4/26/2026 | Compliance | TRID Tolerance | 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 according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). 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 of the discount points fee from XXX on initial LE to XXX on the CD dated XX/XX/XXXX and the addition of the appraisal review fee on the LE dated XX/XX/XXXX without valid COC. | Document Uploaded. This wasn't sent. The loan was locked at a Discount. | 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 according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). | 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 | 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% | Resolved | 4/26/2026 | C | A | C | A | C | A | C | A | C | A | C | A | |
| XXX | XXXXX | 305088997 | finding-XXX | 4/26/2026 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXX with established XXX and appraisal requirements have been met. HPML Downgraded | HPML compliant | 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 | 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% | Resolved | 4/26/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305088997 | FCOM1266 | 4/26/2026 | Compliance | Missing Doc | 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 XXX of XX/XX/XXXX. | Document Uploaded. Our team didn't send you these. | Homeownership Counseling Disclosure Is Present or Not Applicable | 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 | 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% | Resolved | 4/26/2026 | B | A | B | A | B | A | B | A | B | A | B | A | |
| XXX | XXXXX | 305088997 | FCOM3608 | 4/26/2026 | Compliance | Missing Doc | Intent to Proceed is Missing | The intent to proceed is missing. Please provide either a signed intent to proceed document or provide the date the borrower gave the Lender/Broker their intent to proceed. | Document Uploaded. | Proof of Intent to Proceed has been provided. | 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 | 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% | Resolved | 4/26/2026 | B | A | B | A | B | A | B | A | B | A | B | A | |
| XXX | XXXXX | 305088997 | FCOM9186 | 4/26/2026 | Compliance | Missing Doc | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. Documentation required: First e-signed document in the file is dated XX/XX/XXXX; however, the file is missing proof of e-consent dated XX/XX/XXXX or before. | Document Uploaded. | Evidence of eConsent is provided. | 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 | 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% | Resolved | 4/26/2026 | B | A | B | A | B | A | B | A | B | A | B | A | |
| XXX | XXXXX | 305088997 | FPRO8998 | 4/23/2026 | Property | Data | No Property Findings | No property findings. Property and valuations related findings were not identified on the loan. | Informational | 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 | 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% | Resolved | 4/23/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305088618 | FCRE1198 | 5/13/2026 | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Audited Reserves of XX/XX/XXXX month(s) are less than Guideline Required Reserves of XXX month(s) The subject loan closed with an LTV of 80% which requires XXX months reserves. The required reserves are short XX/XX/XXXX months or $XXX. | Document Uploaded. exception from management attached. | Exception provided. "Exception approved for not meeting the min XXX month reserve requirement. Verified total assets XXX - funds to close $XXX= Remaining assets of XXX which covers XX/XX/XXXX months of reserves. The variance is supported by the residual income of XXX equivalent to XXX months of the PITI, providing additional liquidity support." | 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. | Acknowledged | No | C | B | C | B | C | B | C | B | C | B | C | B | |
| XXX | XXXXX | 305088618 | FCRE9995 | 5/13/2026 | Credit | Assets | Audited Reserves are less than Guideline Required Reserves (Dollar Amount) | Audited Reserves of XXX are less than Guideline Required Reserves of $XXX. The subject loan closed with an LTV of 80% which requires XXX months reserves. The required reserves are short by $XXX. | Document Uploaded. exception from management attached. | Exception provided. "Exception approved for not meeting the min XXX month reserve requirement. Verified total assets XXX - funds to close $XXX= Remaining assets of XXX which covers XX/XX/XXXX months of reserves. The variance is supported by the residual income of XXX equivalent to XXX months of the PITI, providing additional liquidity support." | 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. | Acknowledged | No | C | B | C | B | C | B | C | B | C | B | C | B | |
| XXX | XXXXX | 305088618 | FCOM8997 | 4/23/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 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. | Resolved | 4/23/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305088618 | FPRO8998 | 4/23/2026 | Property | Data | No Property Findings | No property findings. Property and valuations related findings were not identified on the loan. | Informational | 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. | Resolved | 4/23/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305077957 | FCRE7497 | 6/1/2026 | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | The Final 1003 reflects that the Borrower owns an investment property with XXX, HOI and HOA cost of $XXX. The loan file includes a VOM that reflects cost for P&I only. The information for taxes, HOI and HOA were not found in the loan file. | Document Uploaded. | Property detail report with XXX, HOI and HOA cost of XXX breakdown provided. | 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. | Resolved | 6/1/2026 | D | A | D | A | D | A | D | A | D | A | D | A | |
| XXX | XXXXX | 305077957 | finding-XXX | 4/23/2026 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXX with established XXX and appraisal requirements have been met. HPML Downgraded | HPML compliant | 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. | Resolved | 4/23/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305077957 | FPRO8998 | 4/23/2026 | Property | Data | No Property Findings | No property findings. Property and valuations related findings were not identified on the loan. | Informational | 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. | Resolved | 4/23/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305089031 | FCOM8997 | 4/23/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 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. | Resolved | 4/23/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305089031 | FCRE8999 | 4/23/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 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. | Resolved | 4/23/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305089031 | FPRO8998 | 4/23/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 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. | Resolved | 4/23/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305095223 | FCOM8997 | 4/24/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | Borrower has stable job time - Borrower has XXX years on job. | XXX is Below the Guideline Maximum - Calculated LTV of 65.96% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 65.96% is less than Guideline CLTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 4/24/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305095223 | FPRO8998 | 4/24/2026 | Property | Data | No Property Findings | No property findings. Property and valuations related findings were not identified on the loan. | Informational | Borrower has stable job time - Borrower has XXX years on job. | XXX is Below the Guideline Maximum - Calculated LTV of 65.96% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 65.96% is less than Guideline CLTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 4/24/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305095223 | FCRE8999 | 4/24/2026 | Credit | Data | No Credit Findings | No credit findings. The loan meets all applicable credit guidelines. | Informational | Borrower has stable job time - Borrower has XXX years on job. | XXX is Below the Guideline Maximum - Calculated LTV of 65.96% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 65.96% is less than Guideline CLTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 4/24/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305088753 | FCOM8997 | 4/24/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | XXX 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% | 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 | Resolved | 4/24/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305088753 | FCRE8999 | 4/24/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | XXX 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% | 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 | Resolved | 4/24/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305088753 | FPRO8998 | 4/24/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | XXX 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% | 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 | Resolved | 4/24/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305077786 | finding-XXX | 4/27/2026 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXX with established XXX and appraisal requirements have been met. HPML Downgraded | HPML compliant | 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 | Resolved | 4/27/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305077786 | FCRE8999 | 4/27/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 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 | Resolved | 4/27/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305077786 | FPRO8998 | 4/27/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 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 | Resolved | 4/27/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305066521 | FCRE1193 | 5/19/2026 | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Audited DTI of XXX% exceeds Guideline DTI of XXX% Client sent in trailing 1003 with updated income for B1 with reduction of $XXX which causes DTI to exceed allowable guides. Client did not send in evidence of XXX as original condition requested. | Document Uploaded. | Exception report provided. Exception approved to proceed with DTI at XXX% Comp Factor #XXX: Residual income greater than XXX Comp Factor #XXX: C/O covers over XXX months of reservevs Comp Factor #XXX: No derogatory credi reported in over XXX months | 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 | Acknowledged | No | C | B | C | B | C | B | C | B | C | B | C | B | |
| XXX | XXXXX | 305066521 | FCRE1964 | 5/14/2026 | Credit | Missing Doc | Missing income documentation | The Final 1003 reflects XXX in other income for Borrower 1. The documentation of the other income of XXX was not found in the loan file. The DTI will exceed XXX% and additional findings will be issues if the XXX per month can not be supported. | Document Uploaded. | Client sent in trailing 1003 with updated income for B1 with reduction of $XXX which causes DTI to exceed allowable guides. ; 1003 provided. Re-review pending | 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 | Acknowledged | No | D | B | D | B | D | B | D | B | D | B | D | B | |
| XXX | XXXXX | 305066521 | finding-XXX | 4/27/2026 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML requirements met. | HPML compliant | 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 | Resolved | 4/27/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305066521 | FPRO8998 | 4/27/2026 | Property | Data | No Property Findings | No property findings. Property and valuations related findings were not identified on the loan. | Informational | 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 | Resolved | 4/27/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305088841 | FCRE8999 | 4/27/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 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. | Resolved | 4/27/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305088841 | FPRO8998 | 4/27/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 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. | Resolved | 4/27/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305088841 | FCOM8997 | 4/27/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 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. | Resolved | 4/27/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305077834 | FCOM9186 | 5/1/2026 | Compliance | Missing Doc | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. Documentation required- First e-signed document in the file is dated XX/XX/XXXX for Borrower and XX/XX/XXXX for Co-Borrower; however, the file is missing proof of e-consent dated XX/XX/XXXX for Borrower and XX/XX/XXXX for Co-Borrower or before. | Document Uploaded. | Evidence of eConsent is provided. | 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. | Resolved | 5/1/2026 | B | A | B | A | B | A | B | A | B | A | B | A | |
| XXX | XXXXX | 305077834 | FPRO8998 | 4/27/2026 | Property | Data | No Property Findings | No property findings. Property and valuations related findings were not identified on the loan. | Informational | 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. | Resolved | 4/27/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305077834 | FCRE8999 | 4/27/2026 | Credit | Data | No Credit Findings | No credit findings. The loan meets all applicable credit guidelines. | Informational | 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. | Resolved | 4/27/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305077816 | FCOM1231 | 5/4/2026 | Credit | Missing Doc | The Initial 1003 is Missing | The Initial 1003 is Missing. The Initial 1003 is Missing. | Document Uploaded. ; Document Uploaded. | The Initial 1003 is Present; Initial 1003 provided dated XX/XX/XXXX. ; ; 1003 in file dated XX/XX/XXXX which appears to be final - Countered - Missing initial 1003 | Borrower has stable job time - Borrower has XXX years on job. | XXX is Below the Guideline Maximum - Calculated LTV of 59.81% is less than Guideline LTV of 75% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 59.81% is less than Guideline CLTV of 75% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 5/4/2026 | D | A | D | A | D | A | D | A | D | A | D | A | |
| XXX | XXXXX | 305077816 | FCOM7353 | 5/1/2026 | Compliance | Disclosure | Clarification of XXX | Documentation required to clear exception: Provide documentation to verify XXX. Additional testing may be completed once the XXX is verified. | Document Uploaded. ; Document Uploaded. | Lender confirmed the XXX; exception resolved; 1003 provided was not the initial 1003, please provide the XXX | Borrower has stable job time - Borrower has XXX years on job. | XXX is Below the Guideline Maximum - Calculated LTV of 59.81% is less than Guideline LTV of 75% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 59.81% is less than Guideline CLTV of 75% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 5/1/2026 | C | A | C | A | C | A | C | A | C | A | C | A | |
| XXX | XXXXX | 305077816 | finding-XXX | 4/30/2026 | Compliance | Points & Fees | XXX Higher-Priced Mortgage Loan Test | This loan failed theXXX higher-priced mortgage loan test. (XXX, XXX Division 1.9 4995(a))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX hile the XXX provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXX with established XXX and appraisal requirements have been met. HPML Downgraded | HPML compliant | Borrower has stable job time - Borrower has XXX years on job. | XXX is Below the Guideline Maximum - Calculated LTV of 59.81% is less than Guideline LTV of 75% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 59.81% is less than Guideline CLTV of 75% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 4/30/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305077816 | finding-XXX | 4/30/2026 | Compliance | TRID Tolerance | 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 according 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 of Lender Credit from XXX to XXX on the CD dated XX/XX/XXXX without valid COC. | Document Uploaded. | Valid COC provided; exception resolved ; Valid COC provided; exception resolved | Borrower has stable job time - Borrower has XXX years on job. | XXX is Below the Guideline Maximum - Calculated LTV of 59.81% is less than Guideline LTV of 75% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 59.81% is less than Guideline CLTV of 75% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 4/30/2026 | C | A | C | A | C | A | C | A | C | A | C | A | |
| XXX | XXXXX | 305077816 | finding-XXX | 4/30/2026 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXX with established XXX and appraisal requirements have been met. HPML Downgraded | HPML compliant | Borrower has stable job time - Borrower has XXX years on job. | XXX is Below the Guideline Maximum - Calculated LTV of 59.81% is less than Guideline LTV of 75% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 59.81% is less than Guideline CLTV of 75% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 4/30/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305077816 | FCOM9186 | 4/30/2026 | Compliance | Missing Doc | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. Documentation required- First e-signed document in the file is dated XX/XX/XXXX; however, the file is missing proof of e-consent dated XX/XX/XXXX or before. | Document Uploaded. | Evidence of eConsent is provided. | Borrower has stable job time - Borrower has XXX years on job. | XXX is Below the Guideline Maximum - Calculated LTV of 59.81% is less than Guideline LTV of 75% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 59.81% is less than Guideline CLTV of 75% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 4/30/2026 | B | A | B | A | B | A | B | A | B | A | B | A | |
| XXX | XXXXX | 305077816 | FPRO8998 | 4/28/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | Borrower has stable job time - Borrower has XXX years on job. | XXX is Below the Guideline Maximum - Calculated LTV of 59.81% is less than Guideline LTV of 75% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 59.81% is less than Guideline CLTV of 75% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 4/28/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305088812 | finding-XXX | 4/30/2026 | Compliance | Points & Fees | XXX Higher-Priced Mortgage Loan Test | This loan failed theXXX higher-priced mortgage loan test. (XXX, XXX Division 1.9 4995(a))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX hile the XXX provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXX with established XXX and appraisal requirements have been met. HPML Downgraded | HPML compliance | 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% | Resolved | 4/30/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305088812 | finding-XXX | 4/30/2026 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXX with established XXX and appraisal requirements have been met. HPML Downgraded | HPML compliance | 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% | Resolved | 4/30/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305088812 | FPRO8998 | 4/30/2026 | Property | Data | No Property Findings | No property findings. Property and valuations related findings were not identified on the loan. | Informational | 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% | Resolved | 4/30/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305088812 | FCRE8999 | 4/30/2026 | Credit | Data | No Credit Findings | No credit findings. The loan meets all applicable credit guidelines. | Informational | 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% | Resolved | 4/30/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305088912 | finding-XXX | 4/28/2026 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXX with established XXX and appraisal requirements have been met. HPML Downgraded | HPML compliant | 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% | Resolved | 4/28/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305088912 | FCRE8999 | 4/28/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 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% | Resolved | 4/28/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305088912 | FPRO8998 | 4/28/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 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% | Resolved | 4/28/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305078092 | FCOM8997 | 4/30/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 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 58.29% is less than Guideline CLTV of 80% | XXX is Below the Guideline Maximum - Calculated LTV of 58.29% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 4/30/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305078092 | FCRE8999 | 4/30/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 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 58.29% is less than Guideline CLTV of 80% | XXX is Below the Guideline Maximum - Calculated LTV of 58.29% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 4/30/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305078092 | FPRO8998 | 4/30/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 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 58.29% is less than Guideline CLTV of 80% | XXX is Below the Guideline Maximum - Calculated LTV of 58.29% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 4/30/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305102684 | FCOM8997 | 5/4/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | XXX is Below the Guideline Maximum - Calculated LTV of 50% is less than Guideline LTV of 85% | 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 50% is less than Guideline CLTV of 85% | Resolved | 5/4/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305102684 | FCRE8999 | 5/4/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | XXX is Below the Guideline Maximum - Calculated LTV of 50% is less than Guideline LTV of 85% | 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 50% is less than Guideline CLTV of 85% | Resolved | 5/4/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305102684 | FPRO8998 | 5/4/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | XXX is Below the Guideline Maximum - Calculated LTV of 50% is less than Guideline LTV of 85% | 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 50% is less than Guideline CLTV of 85% | Resolved | 5/4/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305078023 | FCOM8997 | 5/4/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 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. | Resolved | 5/4/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305078023 | FCRE8999 | 5/4/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 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. | Resolved | 5/4/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305078023 | FPRO8998 | 5/4/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 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. | Resolved | 5/4/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305102747 | FCRE1201 | 5/6/2026 | Credit | Missing Doc | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. Please provide. | Document Uploaded.XXX report | Third Party Fraud Report is provided; Fraud evidence provided | 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. | Resolved | 5/6/2026 | D | A | D | A | D | A | D | A | D | A | D | A | |
| XXX | XXXXX | 305102747 | finding-XXX | 5/4/2026 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXX with established XXX and appraisal requirements have been met. HPML Downgraded | HPML compliant | 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. | Resolved | 5/4/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305102747 | FPRO8998 | 5/4/2026 | Property | Data | 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 | 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. | Resolved | 5/4/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305088871 | FCOM8997 | 5/4/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 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 | Resolved | 5/4/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305088871 | FCRE8999 | 5/4/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 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 | Resolved | 5/4/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305088871 | FPRO8998 | 5/4/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 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 | Resolved | 5/4/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305089008 | finding-XXX | 5/20/2026 | Compliance | Right to Rescind | TILA Right of Rescission Test | 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 XXX 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. Documentation Required: The File is missing the Final CD or Settlement Statement showing the Disbursement date. Proof of actual disbursement date is required to resolve or a cure package requires a PCCD, LOE, New ROR providing XXX days right to cancel. | Document Uploaded. CD final attached, did not disburse until XX/XX/XXXX. XXX is ok. | Final CD provided; exception resolved ; Final CD provided; exception resolved | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 72.88% is less than Guideline CLTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | XXX is Below the Guideline Maximum - Calculated LTV of 72.88% is less than Guideline LTV of 85% | Resolved | 5/20/2026 | C | A | C | A | C | A | C | A | C | A | C | A | |
| XXX | XXXXX | 305089008 | FCOM1544 | 5/20/2026 | Compliance | Missing Doc | TRID: Missing Closing Disclosure | TRID: Missing Final Closing Disclosure Documentation required to clear exception: The Final CD XXX is missing from the loan file. All testing was completed using Initial CD dated XXX. Please provide Final CD for additional testing. | Document Uploaded. attached | TRID: Final Closing Disclosure Provided | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 72.88% is less than Guideline CLTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | XXX is Below the Guideline Maximum - Calculated LTV of 72.88% is less than Guideline LTV of 85% | Resolved | 5/20/2026 | D | A | D | A | D | A | D | A | D | A | D | A | |
| XXX | XXXXX | 305089008 | FCRE8999 | 5/11/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 72.88% is less than Guideline CLTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | XXX is Below the Guideline Maximum - Calculated LTV of 72.88% is less than Guideline LTV of 85% | Resolved | 5/11/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305089008 | FPRO8998 | 5/11/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 72.88% is less than Guideline CLTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | XXX is Below the Guideline Maximum - Calculated LTV of 72.88% is less than Guideline LTV of 85% | Resolved | 5/11/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305095278 | FCOM9186 | 5/13/2026 | Compliance | Missing Doc | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. The eSigned documents consent is missing. Provide eConsent dated XX/XX/XXXX or before. | Document Uploaded. | Evidence of eConsent is provided. | Borrower has stable job time - Borrower has XXX years on job. | XXX is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% | 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 80% is less than Guideline CLTV of 90% | Resolved | 5/13/2026 | B | A | B | A | B | A | B | A | B | A | B | A | |
| XXX | XXXXX | 305095278 | finding-XXX | 5/11/2026 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXX with established XXX and appraisal requirements have been met. HPML Downgraded | HPML compliant | Borrower has stable job time - Borrower has XXX years on job. | XXX is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% | 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 80% is less than Guideline CLTV of 90% | Resolved | 5/11/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305095278 | finding-XXX | 5/11/2026 | Compliance | Points & Fees | XXX Higher-Priced Mortgage Loan Test | This loan failed the XXX higher-priced mortgage loan test. (XXX ) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX hile the XXX provisions specify that lenders can legally make this type of loan subject to certain disclosure requirements, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXX with established XXX and appraisal requirements have been met. HPML Downgraded | HPML compliant | Borrower has stable job time - Borrower has XXX years on job. | XXX is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% | 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 80% is less than Guideline CLTV of 90% | Resolved | 5/11/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305095278 | FCRE8999 | 5/11/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | Borrower has stable job time - Borrower has XXX years on job. | XXX is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% | 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 80% is less than Guideline CLTV of 90% | Resolved | 5/11/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305095278 | FPRO8998 | 5/11/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | Borrower has stable job time - Borrower has XXX years on job. | XXX is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% | 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 80% is less than Guideline CLTV of 90% | Resolved | 5/11/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305077799 | finding-XXX | 5/5/2026 | Compliance | Points & Fees | XXX Higher-Priced Mortgage Loan Test | This loan failed the XXX higher-priced mortgage loan test. (XXX sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX hile the XXX provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Compliant | HPML compliant | 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. | Resolved | 5/5/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305077799 | finding-XXX | 5/5/2026 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Compliant | HPML compliant | 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. | Resolved | 5/5/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305077799 | FCRE8999 | 5/5/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 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. | Resolved | 5/5/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305077799 | FPRO8998 | 5/5/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 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. | Resolved | 5/5/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305102556 | FCRE1440 | 5/8/2026 | Credit | Eligibility | XXX Does Not Meet Guideline Requirements | XXX Does Not Meet Guideline Requirements Per guidelines, the Borrower must validate that they previously lived rent-free. The Final 1003 indicates the Borrower previously lived without a primary housing expense for XXX years but the file is missing a rent-free verification letter. | Document Uploaded. | XXX Meets Guideline Requirements; Lox and pertaining evidence provided | 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 | XXX is Below the Guideline Maximum - Calculated LTV of 72.44% is less than Guideline LTV of 85% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 72.44% is less than Guideline CLTV of 85% | Resolved | 5/8/2026 | C | A | C | A | C | A | C | A | C | A | C | A | |
| XXX | XXXXX | 305102556 | FPRO8998 | 5/5/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 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 | XXX is Below the Guideline Maximum - Calculated LTV of 72.44% is less than Guideline LTV of 85% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 72.44% is less than Guideline CLTV of 85% | Resolved | 5/5/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305102556 | FCOM8997 | 5/5/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 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 | XXX is Below the Guideline Maximum - Calculated LTV of 72.44% is less than Guideline LTV of 85% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 72.44% is less than Guideline CLTV of 85% | Resolved | 5/5/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305102508 | finding-XXX | 5/7/2026 | Compliance | Points & Fees | XXX Higher-Priced Mortgage Loan Test | This loan failed theXXX higher-priced mortgage loan test. (XXX, XXX Division 1.9 4995(a))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX hile the XXX provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. No Cure required. HPML with established XXX and appraisal requirements met. Exception downgraded to a A. | HPML compliant | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% | 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 | XXX is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 5/7/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305102508 | finding-XXX | 5/7/2026 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. No Cure required. HPML with established XXX and appraisal requirements met. Exception downgraded to a A. | HPML compliant | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% | 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 | XXX is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 5/7/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305102508 | FPRO8998 | 5/7/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% | 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 | XXX is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 5/7/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305102508 | FCRE8999 | 5/7/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% | 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 | XXX is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 5/7/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305102737 | FCOM8997 | 5/7/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 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 | Resolved | 5/7/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305102737 | FCRE8999 | 5/7/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 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 | Resolved | 5/7/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305102737 | FPRO8998 | 5/7/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 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 | Resolved | 5/7/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305095115 | FCRE8999 | 5/7/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 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. | Resolved | 5/7/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305095115 | FPRO8998 | 5/7/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 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. | Resolved | 5/7/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305095115 | FCOM8997 | 5/7/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 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. | Resolved | 5/7/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305078011 | finding-XXX | 5/7/2026 | Compliance | TRID Tolerance | 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 according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). 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 points increasing on CD XX/XX/XXXX without a COC. | Document Uploaded. | Valid COC provided; Exception resolved; Valid COC provided; Exception resolved | 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 | Resolved | 5/7/2026 | C | A | C | A | C | A | C | A | C | A | C | A | |
| XXX | XXXXX | 305078011 | FPRO8998 | 5/7/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 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 | Resolved | 5/7/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305078011 | FCRE8999 | 5/7/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 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 | Resolved | 5/7/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305102655 | FPRO8998 | 5/7/2026 | Property | Data | 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 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 5/7/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305102655 | FCRE8999 | 5/7/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 5/7/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305102655 | FCOM8997 | 5/7/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 5/7/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305095221 | finding-XXX | 5/7/2026 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXX with established XXX and appraisal requirements have been met. HPML Downgraded | HPML compliant | 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. | Resolved | 5/7/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305095221 | FCRE8999 | 5/7/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 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. | Resolved | 5/7/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305095221 | FPRO8998 | 5/7/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 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. | Resolved | 5/7/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305095066 | FPRO0383 | 5/12/2026 | Property | Missing Doc | FEMA Post Disaster Inspection Report not Provided | The subject property is a FEMA disaster case; however, the inspection report was not provided. Look back period after closing shows a disaster declared by FEMA on XX/XX/XXXX for on XX/XX/XXXX through XX/XX/XXXX. There is not a post disaster inspection showing the property was free of damage. | Document Uploaded. | FEMA Post Disaster Inspection report was provided.; Disaster report provided. | 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. | Resolved | 5/12/2026 | D | A | D | A | D | A | D | A | D | A | D | A | |
| XXX | XXXXX | 305095066 | FCRE7497 | 5/11/2026 | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Please provide the supporting verification documents for the properties at XXX and XXX showing additional expenses on the Final 1003. | XXX a taxes and insurance in loan package as well ; XXX additional expenses are for the insurance already in loan package | Client States: XXX additional expenses are for the insurance already in loan package. XXX a taxes and insurance in loan package. LM Updated. | Rescinded | A | A | A | A | A | A | A | A | A | A | A | A | |||
| XXX | XXXXX | 305095066 | FCOM8997 | 5/7/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 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. | Resolved | 5/7/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305102758 | FCOM1206 | 5/11/2026 | Credit | Missing Doc | The Note is Missing | The Note is Missing. The Note was not found in the loan file. Documentation required to clear exception. Please provide the Missing Note | Document Uploaded. Note | The Note is Present.; Executed Note provided | 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% | Resolved | 5/11/2026 | D | A | D | A | D | A | D | A | D | A | D | A | |
| XXX | XXXXX | 305102758 | finding-XXX | 5/8/2026 | Compliance | Points & Fees | XXX Higher-Priced Mortgage Loan Test | This loan failed theXXX higher-priced mortgage loan test. (XXX, XXX Division 1.9 4995(a))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX hile the XXX provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. No Cure required. HPML with established XXX and appraisal requirements met. Exception downgraded to a A. | HPML compliant | 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% | Resolved | 5/8/2026 | C | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305102758 | finding-XXX | 5/8/2026 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. No Cure required. HPML with established XXX and appraisal requirements met. Exception downgraded to a A. | HPML compliant | 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% | Resolved | 5/8/2026 | C | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305102758 | FPRO8998 | 5/8/2026 | Property | Data | No Property Findings | No property findings. Property and valuations related findings were not identified on the loan. | Informational | 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% | Resolved | 5/8/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305095176 | finding-XXX | 5/12/2026 | Compliance | TRID Tolerance | Lender Credits That Cannot Decrease Test | TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of XXX is due to decrease from XXX to XXX for the Lender's Credit on the Final CD XX/XX/XXXX without a COC. This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i) he loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits XXX does not exceed or equal the comparable sum of specific and non-specific lender credits ($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. | Valid COC provided - exception resolved; Valid COC provided - exception resolved | 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. | Resolved | 5/12/2026 | C | A | C | A | C | A | C | A | C | A | C | A | |
| XXX | XXXXX | 305095176 | finding-XXX | 5/12/2026 | Compliance | Points & Fees | XXX Loan Test | No Cure required. HPML with established XXX and appraisal requirements met. Exception downgraded to a A. This loan failed the XXX loan test. ( NC GS §24-1.1F(a)(7))The loan is a rate spread home loan, as defined in the legislation. For more information please see the XXX Spread Home Loan Article section of the full ComplianceAnalyzer report hile the XXX Spread Home Loan provisions specify that lenders can legally make this type of loan subject to certain conditions, some lenders and secondary market investors may prefer not to fund or buy rate spread home loans even if the additional conditions are met. | HPML compliant | 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. | Resolved | 5/12/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305095176 | finding-XXX | 5/12/2026 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | No Cure required. HPML with established XXX and appraisal requirements met. Exception downgraded to a A. This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | HPML compliant | 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. | Resolved | 5/12/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305095176 | FCRE8999 | 5/8/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 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. | Resolved | 5/8/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305095176 | FPRO8998 | 5/8/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 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. | Resolved | 5/8/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305102801 | FPRO8998 | 5/8/2026 | Property | Data | No Property Findings | No property findings. Property and valuations related findings were not identified on the loan. | Informational | 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 | XXX is Below the Guideline Maximum - Calculated LTV of 60.75% 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 60.75% is less than Guideline CLTV of 80% | Resolved | 5/8/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305102801 | FCRE8999 | 5/8/2026 | Credit | Data | No Credit Findings | No credit findings. The loan meets all applicable credit guidelines. | Informational | 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 | XXX is Below the Guideline Maximum - Calculated LTV of 60.75% 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 60.75% is less than Guideline CLTV of 80% | Resolved | 5/8/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305102801 | FCOM8997 | 5/8/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 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 | XXX is Below the Guideline Maximum - Calculated LTV of 60.75% 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 60.75% is less than Guideline CLTV of 80% | Resolved | 5/8/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305095079 | FCRE0377 | 5/14/2026 | Credit | Data | The Total Hazard Coverage is LESS than the Required Coverage Amount | The hazard insurance dwelling coverage of XXX is insufficient, not meeting the required coverage amount of ($XXX). HOI policy must cover all liens against the property per lender guidelines and must provide coverage on a replacement cost basis. Insufficient coverage per policy in the file. | The loan is in XXX, they don't provide XXX. | Corrected insurance page. Coverage sufficient. ; The Total Hazard Coverage is greater than or equal to the Required Coverage Amount | Rescinded | A | A | A | A | A | A | A | A | A | A | A | A | |||
| XXX | XXXXX | 305095079 | finding-XXX | 5/12/2026 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. No Cure required. HPML with established XXX and appraisal requirements met. Exception downgraded to a A. | HPML compliant | 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 | Resolved | 5/12/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305095079 | FPRO8998 | 5/12/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 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 | Resolved | 5/12/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305120723 | FCRE8999 | 5/12/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 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% | Resolved | 5/12/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305120723 | FPRO8998 | 5/12/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 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% | Resolved | 5/12/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305120723 | FCOM8997 | 5/12/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 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% | Resolved | 5/12/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305120724 | FPRO8998 | 5/13/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 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% | Resolved | 5/13/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305120724 | FCRE8999 | 5/13/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 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% | Resolved | 5/13/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305120724 | FCOM8997 | 5/13/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 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% | Resolved | 5/13/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305102783 | FCRE9995 | 5/15/2026 | Credit | Assets | 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 asset Statements. The guidelines require XXX months for the subject and XXX for each financed property in addition to the subject. There are XXX months of reserves required. | Document Uploaded. Hi, we have XXX in verified assets. Borrower just need to come in with XXX but is getting a refund of $XXX. XXX months is $XXX. XXX - XXX + XXX = $XXX | Client provided PCCD with XXX funds at close and a wire reflecting 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 | Resolved | 5/15/2026 | C | A | C | A | C | A | C | A | C | A | C | A | |
| XXX | XXXXX | 305102783 | FCRE1198 | 5/15/2026 | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Audited Reserves of XX/XX/XXXX month(s) are less than Guideline Required Reserves of XXX month(s) Please provide sufficient asset Statements. The guidelines require XXX months for the subject and XXX for each financed property in addition to the subject. There are XXX months of reserves required. | Document Uploaded. Hi, we have XXX in verified assets. Borrower just need to come in with XXX but is getting a refund of $XXX. XXX months is $XXX. XXX - XXX + XXX = $XXX | Audited Reserves of XXX month(s) are greater than or equal to Guideline Required Reserves of XXX month(s); Audited Reserves of XXX month(s) are greater than or equal to Guideline Required Reserves of XXX month(s) | 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 | Resolved | 5/15/2026 | C | A | C | A | C | A | C | A | C | A | C | A | |
| XXX | XXXXX | 305102783 | finding-XXX | 5/15/2026 | Compliance | TRID Tolerance | 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 according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). 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 the increase of the discount points fee from XXX to XXX on the CD dated XX/XX/XXXX without a valid COC. | Document Uploaded. Loan Amount increased. | Missing COC that was dated XX/XX/XXXX was provided for testing; exception resolved.; Missing COC that was dated XX/XX/XXXX was provided for testing; exception resolved. | 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 | Resolved | 5/15/2026 | C | A | C | A | C | A | C | A | C | A | C | A | |
| XXX | XXXXX | 305102783 | FPRO8998 | 5/13/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 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 | Resolved | 5/13/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305095132 | FCRE8999 | 5/14/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | XXX is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 5/14/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305095132 | FPRO8998 | 5/14/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | XXX is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 5/14/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305095132 | FCOM8997 | 5/14/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | XXX is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 5/14/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305095078 | FCRE1442 | 5/15/2026 | Credit | Assets | Asset 1 Expired | Asset 1 Expired. The XXX Statement is dated XX/XX/XXXX which is XXX days from the XX/XX/XXXX closing date. | Document Uploaded. | Asset 1 Not Expired; Updated 1003 with removal of asset in question. | 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. | Resolved | 5/15/2026 | C | A | C | A | C | A | C | A | C | A | C | A | |
| XXX | XXXXX | 305095078 | FCRE1437 | 5/15/2026 | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines The file does not contain a HOA Statement or a letter of no HOA for the property located at XXX. | Document Uploaded. | Income and Employment Meet Guidelines; HOA evidence provided. | 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. | Resolved | 5/15/2026 | C | A | C | A | C | A | C | A | C | A | C | A | |
| XXX | XXXXX | 305095078 | FPRO8998 | 5/13/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 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. | Resolved | 5/13/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305095078 | FCOM8997 | 5/13/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 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. | Resolved | 5/13/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305120735 | finding-XXX | 5/13/2026 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXX with established XXX and appraisal requirements have been met. HPML Downgraded | HPML compliant | 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 | Resolved | 5/13/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305120735 | FPRO8998 | 5/13/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 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 | Resolved | 5/13/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305120735 | FCRE8999 | 5/13/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 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 | Resolved | 5/13/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305120768 | finding-XXX | 5/18/2026 | Compliance | TRID Tolerance | 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 according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). 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 points-loan discount fee. The change occurred on the final CD issued XX/XX/XXXX without a valid COC. | Document Uploaded. | Valid COC provided - exception resolved; Valid COC provided - exception resolved | 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. | Resolved | 5/18/2026 | C | A | C | A | C | A | C | A | C | A | C | A | |
| XXX | XXXXX | 305120768 | FPRO8998 | 5/14/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 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. | Resolved | 5/14/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305120768 | FCRE8999 | 5/14/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 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. | Resolved | 5/14/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305088958 | FCOM1266 | 5/18/2026 | Compliance | Missing Doc | 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 XXX | Document Uploaded. attached | Homeownership Counseling Disclosure provided - exception resolved | 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. | Resolved | 5/18/2026 | B | A | B | A | B | A | B | A | B | A | B | A | |
| XXX | XXXXX | 305088958 | finding-XXX | 5/14/2026 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXX with established XXX and appraisal requirements have been met. HPML Downgraded | HPML compliant | 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. | Resolved | 5/14/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305088958 | FPRO8998 | 5/14/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 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. | Resolved | 5/14/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305088958 | FCRE8999 | 5/14/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 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. | Resolved | 5/14/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305120586 | FPRO8998 | 5/14/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 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 70% is less than Guideline CLTV of 80% | XXX is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 80% | Resolved | 5/14/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305120586 | FCOM8997 | 5/14/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 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 70% is less than Guideline CLTV of 80% | XXX is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 80% | Resolved | 5/14/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305120586 | FCRE8999 | 5/14/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 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 70% is less than Guideline CLTV of 80% | XXX is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 80% | Resolved | 5/14/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305102483 | finding-XXX | 5/15/2026 | Compliance | Points & Fees | XXX Higher-Priced Mortgage Loan Test | This loan failed theXXX higher-priced mortgage loan test. (XXX, XXX Division 1.9 4995(a))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX hile the XXX provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. No Cure required. HPML with established XXX and appraisal requirements met. Exception downgraded to a A. | HPML compliant | 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. | Resolved | 5/15/2026 | C | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305102483 | finding-XXX | 5/15/2026 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. No Cure required. HPML with established XXX and appraisal requirements met. Exception downgraded to a A. | HPML compliant | 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. | Resolved | 5/15/2026 | C | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305102483 | FCRE8999 | 5/15/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 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. | Resolved | 5/15/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305102483 | FPRO8998 | 5/15/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 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. | Resolved | 5/15/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305102644 | FCRE7497 | 5/22/2026 | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | The Final 1003 indicates the Borrower owns the property located on XXX . The file contains a Letter of Explanation regarding the address. The Borrower Stated the property is a rental. Please provide verification with a mortgage Statement, hazard insurance, a tax certificate and if applicable, any XXX. | The property at XXX is listed on the 1003 as a prior address/ former address, not as a current REO. This property was already sold. | Rescinded - Previous property - No longer owned. | Rescinded | A | A | A | A | A | A | A | A | A | A | A | A | |||
| XXX | XXXXX | 305102644 | FPRO8998 | 5/15/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 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. | Resolved | 5/15/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305102644 | FCOM8997 | 5/15/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 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. | Resolved | 5/15/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305102777 | FCRE1342 | 5/21/2026 | Credit | Missing Doc | Borrower 1 Business Bank Statements Missing | Borrower 1 Business Bank Statements Missing The Borrower's income was verified with XXX months business bank Statements. Please provide the XXX months of bank Statements as they are missing from the file. | Document Uploaded. XXX Months | Documentation is sufficient. Bank Statements provided. Exception resolved.; Borrower 1 Business Bank Statements Provided | 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. | Resolved | 5/21/2026 | D | A | D | A | D | A | D | A | D | A | D | A | |
| XXX | XXXXX | 305102777 | FCOM8550 | 5/20/2026 | Compliance | TRID | Final CD: Escrowed Property Costs over Year XXX calculation XXX | Documentation required-Provide PCCD with a box checked in the escrow account section on page XXX indicating whether the Borrower declined the escrow account or the Lender does not offer one. Cure package requires a PCCD, LOE and proof of delivery. | Document Uploaded. Attached. | Cure package provided to the borrower; exception downgraded to a 2/B | 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. | Cured | C | B | C | B | C | B | C | B | C | B | C | B | ||
| XXX | XXXXX | 305102777 | FPRO8998 | 5/18/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 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. | Resolved | 5/18/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305095143 | FCRE7805 | 5/20/2026 | Credit | Missing Doc | Missing Income - Bank Statements | The bank Statement of XXX for account #XXX is missing in the file and lender used it on the income worksheet. Income is less than lender by $XXX. | Document Uploaded. | Statement provided for acct XXX for 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 | Resolved | 5/20/2026 | D | A | D | A | D | A | D | A | D | A | D | A | |
| XXX | XXXXX | 305095143 | FCRE7495 | 5/20/2026 | Credit | Missing Doc | Verification of Borrower Liabilities Missing or Incomplete | The Final 1003 shows another XXX on liabilities with balance of XXX and payment of XXX however, this is not reflected on the credit report. Please provide supplement or credit Statement to support Final 1003 figures. There is also a discrepancy in the monthly payment for the first XXX showing on Final 1003 of XXX monthly, credit report shows lower payment therefore using this for DTI calculations. | Document Uploaded. | Supplemental report provided reflecting debt. | 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 | Resolved | 5/20/2026 | D | A | D | A | D | A | D | A | D | A | D | A | |
| XXX | XXXXX | 305095143 | FCOM8997 | 5/18/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 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 | Resolved | 5/18/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305095143 | FPRO8998 | 5/18/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 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 | Resolved | 5/18/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305102514 | FPRO8998 | 5/18/2026 | Property | Data | No Property Findings | No property findings. Property and valuations related findings were not identified on the loan. | Informational | XXX is Below the Guideline Maximum - Calculated LTV of 52.38% is less than Guideline LTV of 85% | 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 52.38% is less than Guideline CLTV of 85% | Resolved | 5/18/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305102514 | FCOM8997 | 5/18/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | XXX is Below the Guideline Maximum - Calculated LTV of 52.38% is less than Guideline LTV of 85% | 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 52.38% is less than Guideline CLTV of 85% | Resolved | 5/18/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305102514 | FCRE8999 | 5/18/2026 | Credit | Data | No Credit Findings | No credit findings. The loan meets all applicable credit guidelines. | Informational | XXX is Below the Guideline Maximum - Calculated LTV of 52.38% is less than Guideline LTV of 85% | 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 52.38% is less than Guideline CLTV of 85% | Resolved | 5/18/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305102654 | FCRE1437 | 5/22/2026 | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines The Final 1003 is showing additional employment with XXX for XXX monthly. However, the only documentation in the file supporting an additional employment income for XXX is a independent contractor agreement with XXX dated in XX/XX/XXXX. There are no other supporting income documents in the file to verify this income or explanation as to why they are two different companies. | Document Uploaded. | Income and Employment Meet Guidelines; Updated 1003 with correct employer name provided | 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 | Resolved | 5/22/2026 | C | A | C | A | C | A | C | A | C | A | C | A | |
| XXX | XXXXX | 305102654 | finding-XXX | 5/18/2026 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. No Cure required. HPML with established XXX and appraisal requirements met. Exception downgraded to a XXX | HPML compliant | 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 | Resolved | 5/18/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305102654 | FPRO8998 | 5/18/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 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 | Resolved | 5/18/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305095283 | FCOM9186 | 5/21/2026 | Compliance | Missing Doc | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. Documentation required- First e-signed document in the file is dated XX/XX/XXXX; however, the file is missing proof of e-consent dated XX/XX/XXXX or before. | Document Uploaded. | E consent provided, exception resolved; Evidence of eConsent is provided. | 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 53.03% is less than Guideline CLTV of 80% | XXX is Below the Guideline Maximum - Calculated LTV of 53.03% is less than Guideline LTV of 80% | Resolved | 5/21/2026 | B | A | B | A | B | A | B | A | B | A | B | A | |
| XXX | XXXXX | 305095283 | FCOM6928 | 5/20/2026 | Compliance | TRID | Final CD: Non-Escrowed Property Costs over Year XXX description is missing or XXX | Documentation required- Provide PCCD with a box checked in the escrow account section on page XXX indicating whether the Borrower declined the escrow account or the Lender does not offer one. Cure package requires a PCCD, LOE, and proof of delivery. | Document Uploaded. | Cure package provided to the borrower; exception downgraded to a 2/B | 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 53.03% is less than Guideline CLTV of 80% | XXX is Below the Guideline Maximum - Calculated LTV of 53.03% is less than Guideline LTV of 80% | Cured | C | B | C | B | C | B | C | B | C | B | C | B | ||
| XXX | XXXXX | 305095283 | FCRE8999 | 5/18/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. The loan meets all applicable credit guidelines. | Informational | 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 53.03% is less than Guideline CLTV of 80% | XXX is Below the Guideline Maximum - Calculated LTV of 53.03% is less than Guideline LTV of 80% | Resolved | 5/18/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305095283 | FPRO8998 | 5/18/2026 | Property | Data | 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 | 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 53.03% is less than Guideline CLTV of 80% | XXX is Below the Guideline Maximum - Calculated LTV of 53.03% is less than Guideline LTV of 80% | Resolved | 5/18/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305088758 | finding-XXX | 5/18/2026 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXX with established XXX and appraisal requirements have been met. HPML Downgraded | HPML compliant | 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. | Resolved | 5/18/2026 | C | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305088758 | FCRE8999 | 5/18/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. The loan meets all applicable credit guidelines. | Informational | 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. | Resolved | 5/18/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305088758 | FPRO8998 | 5/18/2026 | Property | Data | 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 | 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. | Resolved | 5/18/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305066420 | FCRE1161 | 5/21/2026 | Credit | Missing Doc | Flood Certificate Missing | Missing Flood Certificate Please provide a copy of the Flood Certificate. | Document Uploaded. | Documentation is sufficient. Flood cert provided. Exception resolved.; Flood Certificate is fully present | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 40.06% is less than Guideline CLTV of 85% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | XXX is Below the Guideline Maximum - Calculated LTV of 40.06% is less than Guideline LTV of 85% | 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. | Resolved | 5/21/2026 | D | A | D | A | D | A | D | A | D | A | D | A | |
| XXX | XXXXX | 305066420 | FCRE5770 | 5/21/2026 | Credit | Missing Doc | Borrower 1 Credit Report is Missing | Borrower 1 Credit Report is Missing. Please provide the Borrower's credit report. | Document Uploaded. | Documentation is sufficient. Credit report provided. Exception resolved.; Borrower 1 Credit Report is not missing. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 40.06% is less than Guideline CLTV of 85% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | XXX is Below the Guideline Maximum - Calculated LTV of 40.06% is less than Guideline LTV of 85% | 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. | Resolved | 5/21/2026 | D | A | D | A | D | A | D | A | D | A | D | A | |
| XXX | XXXXX | 305066420 | finding-XXX | 5/19/2026 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXX with established XXX and appraisal requirements have been met. HPML Downgraded | HPML compliant | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 40.06% is less than Guideline CLTV of 85% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | XXX is Below the Guideline Maximum - Calculated LTV of 40.06% is less than Guideline LTV of 85% | 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. | Resolved | 5/19/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305066420 | FPRO8998 | 5/19/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 40.06% is less than Guideline CLTV of 85% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | XXX is Below the Guideline Maximum - Calculated LTV of 40.06% is less than Guideline LTV of 85% | 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. | Resolved | 5/19/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305102762 | FCRE7495 | 5/21/2026 | Credit | Missing Doc | Verification of Borrower Liabilities Missing or Incomplete | For liabilities #XXX and #XXX – The Final 1003, liabilities page, the payments and balances are higher than on the credit report. On the credit report, these XXX accounts have lower payments and balances. Per the XXX the higher monthly payments for these XXX accounts, from the Final 1003 liabilities page, were included in the total debts calculations at origination. Please provide the supporting documents for these XXX accounts with the higher payments and balances. | Document Uploaded. Please see Refresh with amount matching. | Supplemental report provided. | 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% | Resolved | 5/21/2026 | D | A | D | A | D | A | D | A | D | A | D | A | |
| XXX | XXXXX | 305102762 | FPRO8998 | 5/19/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 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% | Resolved | 5/19/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305102762 | FCOM8997 | 5/19/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 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% | Resolved | 5/19/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305102551 | FCOM1233 | 5/22/2026 | Credit | Missing Doc | The Final 1003 is Incomplete | The Final 1003 is Incomplete. The Final 1003 list that the Borrower's income is from XXX. However, the Lender income worksheet reflects income from XXX. | Document Uploaded. | Documentation is sufficient. Updated 1003 provided. Exception resolved.; The Final 1003 is Present | 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. | Resolved | 5/22/2026 | D | A | D | A | D | A | D | A | D | A | D | A | |
| XXX | XXXXX | 305102551 | FCOM8997 | 5/19/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 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. | Resolved | 5/19/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305102551 | FPRO8998 | 5/19/2026 | Property | Data | No Property Findings | No property findings. Property and valuations related findings were not identified on the loan. | Informational | 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. | Resolved | 5/19/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305120646 | finding-XXX | 5/22/2026 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXX with established XXX and appraisal requirements have been met. HPML Downgraded | HPML compliant | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 5/22/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305120646 | FCRE8999 | 5/22/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 5/22/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305120646 | FPRO8998 | 5/22/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 5/22/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305095088 | FCRE7497 | 5/26/2026 | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | The subject transaction is a purchase of an investment property. The tax information for the Primary Residence was not found in the loan file. | Document Uploaded. | Client provided Property Tax Statement for the Borrower's Primary residence. LM Updated. | 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. | Resolved | 5/26/2026 | D | A | D | A | D | A | D | A | D | A | D | A | |
| XXX | XXXXX | 305095088 | FCOM8997 | 5/21/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 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. | Resolved | 5/21/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305095088 | FPRO8998 | 5/21/2026 | Property | Data | No Property Findings | No property findings. Property and valuations related findings were not identified on the loan. | Informational | 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. | Resolved | 5/21/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305128381 | finding-XXX | 5/21/2026 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. No Cure required. HPML with established XXX and appraisal requirements met. Exception downgraded to a A. | HPML compliant | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 5/21/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305128381 | FCRE8999 | 5/21/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 5/21/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305128381 | FPRO8998 | 5/21/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 5/21/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305088928 | finding-XXX | 5/21/2026 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXX with established XXX and appraisal requirements have been met. HPML Downgraded | HPML compliant | 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% | Resolved | 5/21/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305088928 | finding-XXX | 5/21/2026 | Compliance | Points & Fees | XXX Test | This loan failed the XXX test he loan is a nonprime home loan, as defined in the legislation. For more information please see the XXX Article section of the full ComplianceAnalyzer report hile the XXX provisions specify that lenders may lawfully make this type of loan subject to certain conditions, some lenders and secondary market investors may prefer not to fund or buy nonprime home loans even if the additional conditions are met. XXX with established XXX and appraisal requirements have been met. HPML Downgraded | HPML compliant | 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% | Resolved | 5/21/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305088928 | FPRO8998 | 5/21/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 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% | Resolved | 5/21/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305088928 | FCRE8999 | 5/21/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 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% | Resolved | 5/21/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305120681 | finding-XXX | 5/22/2026 | Compliance | TRID Tolerance | 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 according 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 to the borrower 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 the Final CD and the file is missing from the file explaining the reason. Please provide a Valid COC or Cure Package | Document Uploaded. COC | Valid COC provided; exception resolved; Valid COC provided; exception resolved | 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. | Resolved | 5/22/2026 | C | A | C | A | C | A | C | A | C | A | C | A | |
| XXX | XXXXX | 305120681 | finding-XXX | 5/22/2026 | Compliance | TRID Tolerance | 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 according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure Required Refund in the amount of XXX Cure Package requires a PCCD, LOE, Copy of refund check and proof of delivery to the borrower OR Valid COC. The Zero tolerance violation in the amount of XXX is due to increase from XXX to XXX for the Discount Points on the Final CD and the file is missing from the file explaining the reason. Please provide a Valid COC or Cure Package | Document Uploaded. COC | Valid COC provided; exception resolved; Valid COC provided; exception resolved | 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. | Resolved | 5/22/2026 | C | A | C | A | C | A | C | A | C | A | C | A | |
| XXX | XXXXX | 305120681 | finding-XXX | 5/22/2026 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXX with established XXX and appraisal requirements have been met. HPML Downgraded | HPML compliant | 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. | Resolved | 5/22/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305120681 | FPRO8998 | 5/21/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. No property findings. | Informational | 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. | Resolved | 5/21/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305120681 | FCRE8999 | 5/21/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. No credit findings. | Informational | 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. | Resolved | 5/21/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305102756 | FCRE2800 | 5/26/2026 | Credit | Assets | Verified Liquid Assets Insufficient For Closing | Verified Liquid Assets are insufficient for closing in the amount of $-XXX. The loan file verified total assets for the borrower of $XXX. The borrower had to bring assets of XXX to the closing of the subject loan transaction. As a result, there is a shortage of verified assets totaling $XXX. Please provide asset documentation for the shortage of assets. | Document Uploaded. | Verified Liquid Assets are sufficient for closing. | 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. | Resolved | 5/26/2026 | C | A | C | A | C | A | C | A | C | A | C | A | |
| XXX | XXXXX | 305102756 | finding-XXX | 5/22/2026 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. No Cure required. HPML with established XXX and appraisal requirements met. Exception downgraded to a A. | HPML compliant | 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. | Resolved | 5/22/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305102756 | FPRO8998 | 5/22/2026 | Property | Data | 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 | 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. | Resolved | 5/22/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305066630 | FCRE1437 | 5/26/2026 | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines CPA is missing. Required XXX. | Guides XXX -Verify the existence of the business, within XXX-days of the XXX, to ensure the business is active with the following; a letter from either the business tax professional certifying XXX years of self-employment in the same business, or regulatory agency or licensing XXX reflecting license is still active and not expired; or an internet search that verifies business' phone number or address or for self-employed independent contractors a letter from third party company currently utilizing their service(s). We have business lookup, articles, and business narrative. Condition is satisfied. | Rescinded - Original file evidence satisfied business verification. | Rescinded | A | A | A | A | A | A | A | A | A | A | A | A | |||
| XXX | XXXXX | 305066630 | finding-XXX | 5/22/2026 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. No Cure required. HPML with established XXX and appraisal requirements met. Exception downgraded to a A. | HPML compliant | XXX is Below the Guideline Maximum - Calculated LTV of 79.89% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 79.89% is less than Guideline CLTV of 90% | 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. | Resolved | 5/22/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305066630 | FPRO8998 | 5/22/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | XXX is Below the Guideline Maximum - Calculated LTV of 79.89% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 79.89% is less than Guideline CLTV of 90% | 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. | Resolved | 5/22/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305088743 | FVAL9739 | 5/29/2026 | Property | Appraisal | Property/Appraisal General | Property/Appraisal guideline violation: The subject loan was approved under the XXX month P&L only program. The Lender/Client on the Appraisal was not the same as the Lender on the Note. The Lender Matrix States transferred appraisals are ineligible. | Document Uploaded. reuploaded exception form; Document Uploaded. | Exception Decision provided. Per client, "Exception to allow a transferred appraisal is approved." Comp Factor #XXX: LTV under XXX% - Comp Factor #XXX: CU score XX/XX/XXXX & XXX% - Comp Factor #XXX: DTI under XXX% - Comp Factor #XXX: R/T refi, paying off a balloon; Lender provided Exception decision form however no decision listed on the form. Loan information filled out however no decision made. Countered. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 55.45% is less than Guideline CLTV of 80% | XXX is Below the Guideline Maximum - Calculated LTV of 55.45% 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. | Acknowledged | No | C | B | C | B | C | B | C | B | C | B | C | B | |
| XXX | XXXXX | 305088743 | FCOM8997 | 5/22/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 55.45% is less than Guideline CLTV of 80% | XXX is Below the Guideline Maximum - Calculated LTV of 55.45% 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. | Resolved | 5/22/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305088743 | FCRE8999 | 5/22/2026 | Credit | Data | No Credit Findings | No credit findings. The loan meets all applicable credit guidelines. | Informational | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 55.45% is less than Guideline CLTV of 80% | XXX is Below the Guideline Maximum - Calculated LTV of 55.45% 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. | Resolved | 5/22/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305120753 | FPRO8998 | 5/22/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | XXX is Below the Guideline Maximum - Calculated LTV of 56.18% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 56.18% is less than Guideline CLTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 5/22/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305120753 | FCOM8997 | 5/22/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | XXX is Below the Guideline Maximum - Calculated LTV of 56.18% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 56.18% is less than Guideline CLTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 5/22/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305120753 | FCRE8999 | 5/22/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | XXX is Below the Guideline Maximum - Calculated LTV of 56.18% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 56.18% is less than Guideline CLTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 5/22/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305088840 | FCOM8997 | 5/22/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 73.31% is less than Guideline CLTV of 85% | XXX is Below the Guideline Maximum - Calculated LTV of 73.31% is less than Guideline LTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 5/22/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305088840 | FPRO8998 | 5/22/2026 | Property | Data | No Property Findings | No property findings. Property and valuations related findings were not identified on the loan. | Informational | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 73.31% is less than Guideline CLTV of 85% | XXX is Below the Guideline Maximum - Calculated LTV of 73.31% is less than Guideline LTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 5/22/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305088840 | FCRE8999 | 5/22/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 73.31% is less than Guideline CLTV of 85% | XXX is Below the Guideline Maximum - Calculated LTV of 73.31% is less than Guideline LTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 5/22/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305128276 | finding-XXX | 5/27/2026 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXX with established XXX and appraisal requirements have been met. HPML Downgraded | HPML compliant; HPML compliant | 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. | Resolved | 5/27/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305128276 | FCRE8999 | 5/26/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 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. | Resolved | 5/26/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305128276 | FPRO8998 | 5/26/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 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. | Resolved | 5/26/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305102550 | FCOM8997 | 5/22/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 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. | XXX is Below the Guideline Maximum - Calculated LTV of 79.63% is less than Guideline LTV of 90% | 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 79.63% is less than Guideline CLTV of 90% | Resolved | 5/22/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305102550 | FCRE8999 | 5/22/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 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. | XXX is Below the Guideline Maximum - Calculated LTV of 79.63% is less than Guideline LTV of 90% | 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 79.63% is less than Guideline CLTV of 90% | Resolved | 5/22/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305102550 | FPRO8998 | 5/22/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 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. | XXX is Below the Guideline Maximum - Calculated LTV of 79.63% is less than Guideline LTV of 90% | 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 79.63% is less than Guideline CLTV of 90% | Resolved | 5/22/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305120616 | FCOM8997 | 5/26/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | XXX is Below the Guideline Maximum - Calculated LTV of 45.51% is less than Guideline LTV of 75% | 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 45.51% is less than Guideline CLTV of 75% | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 5/26/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305120616 | FCRE8999 | 5/26/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | XXX is Below the Guideline Maximum - Calculated LTV of 45.51% is less than Guideline LTV of 75% | 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 45.51% is less than Guideline CLTV of 75% | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 5/26/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305120616 | FPRO8998 | 5/26/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | XXX is Below the Guideline Maximum - Calculated LTV of 45.51% is less than Guideline LTV of 75% | 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 45.51% is less than Guideline CLTV of 75% | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 5/26/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305102660 | FCRE1347 | 6/1/2026 | Credit | Missing Doc | Borrower 2 3rd Party VOE Prior to Close Missing | Borrower 2 3rd Party VOE Prior to Close Missing. B2 Verbal Verification of Employment was obtained more than XXX business day prior to the Note - Condition for the document. | Document Uploaded. ; Document Uploaded. | Borrower 2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals XXX).; Client provided Third Party VVOE for B2 dated XX/XX/XXXX. LM Updated.; B2 Verbal Verification of Employment dated XX/XX/XXXX was obtained more than XXX business day prior to the XXXd XX/XX/XXXX. Exception remains. | XXX 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% | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 6/1/2026 | D | A | D | A | D | A | D | A | D | A | D | A | |
| XXX | XXXXX | 305102660 | FCRE3472 | 5/29/2026 | Credit | Assets | Overdraft/NSF Count Exceeds Tolerance | Overdraft/NSF count exceeds tolerance. There are XXX activities in the last XXX month account Statement, and no Letter of Explanation (LOX) from the borrower is included in the loan package regarding these NSF occurrences. Therefore, I have added a condition for NSF/overdraft in LM. | From XXX. I was not able to identify three NSF occurrences in the review of the XXX months of XXX Statements for account ending XXX These are only fees reflected on the account, and there were no NSF events. The account maintained a positive balance month over month, covering all debits with no NSF or overdraft fees noted; This is a business alt doc no LOE required | ; Overdraft/NSF count within tolerance. | Rescinded | A | A | A | A | A | A | A | A | A | A | A | A | |||
| XXX | XXXXX | 305102660 | FPRO8998 | 5/27/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | XXX 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% | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 5/27/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305102660 | FCOM8997 | 5/27/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | XXX 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% | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 5/27/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305102575 | FCOM8997 | 5/29/2026 | Compliance | Data | No Compliance Findings | This transaction meets the Business Purpose criteria and is classified as a Rate and Term Refinance secured by an investment property. As such, it is exempt from TRID and Qualified Mortgage (QM) requirements. The loan is in compliance with all applicable laws and regulations. | Informational | 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 73.7% is less than Guideline CLTV of 85% | XXX is Below the Guideline Maximum - Calculated LTV of 73.7% is less than Guideline LTV of 85% | Resolved | 5/29/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305102575 | FPRO8998 | 5/29/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 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 73.7% is less than Guideline CLTV of 85% | XXX is Below the Guideline Maximum - Calculated LTV of 73.7% is less than Guideline LTV of 85% | Resolved | 5/29/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305102575 | FCRE8999 | 5/29/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 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 73.7% is less than Guideline CLTV of 85% | XXX is Below the Guideline Maximum - Calculated LTV of 73.7% is less than Guideline LTV of 85% | Resolved | 5/29/2026 | A | A | A | A | A | A | A | A | A | A | A | A |