J.P. MORGAN ACCEPTANCE CORPORATION II ABS-15G

Exhibit 99.38

Seller

Loan ID

Seller Loan ID

Investor Loan ID

Queue

Created Date

Last Modified Date

Finding Status

Event Level

Initial Finding Grade

Current/Final Finding Grade

Finding Category

Finding Sub Category

Finding Name

Reviewer Comments

Seller Comments

Finding Resolution

Finding Document

Reviewer Comp Factors

Originator Comp Factors

State

Occupancy

Loan Purpose

Refinance Purpose

Unique Finding ID

Acknowledged / Waived By

Waiver in File?

XXXX

304639292

Closed

2025-02-25 00:53

2025-03-03 03:09

Resolved

1 - Information

Credit

Title

Title Coverage is Less than Subject Lien(s) Total

Resolved-Resolved as requested updated title report provided with updated coverage amount that covers loan amount. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_
Resolved-Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-XX/XX/XXXX _xXXXX_
Ready for Review-Document Uploaded. Please see attached. - Buyer-XX/XX/XXXX _xXXXX_
Open-Title Coverage Amount of $XXXXXXXXX is Less than Loan Amount Title coverage amount of $XXXXXXXXXX is not sufficient to cover the loan amount of $XXX,XXX. - Due Diligence Vendor-XX/XX/XXXX

_xXXXX_

XXXX

Investment

Refinance

Cash Out - Other

XXXX

N/A

XXXX

304643641

Closed

2025-03-10 22:52

2025-03-21 10:04

Resolved

1 - Information

Compliance

Missing Doc

Final HUD-1 or Final Settlement Statement Document is Missing

Resolved-Final HUD-X Document is Present or Not Applicable - Due Diligence Vendor-XX/XX/XXXX _xXXXX_
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX _xXXXX_
Open-Final HUD-X Document is Missing. Provide the updated Final Hud-X document with appraisal fee.
- Due Diligence Vendor-XX/XX/XXXX

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

Resolved-Final HUD-X Document is Present or Not Applicable - Due Diligence Vendor-XX/XX/XXXX_xXXXX_

XXXX

Investment

Refinance

Cash Out - Other

XXXX

N/A

XXXX

304701957

Closed

2025-05-15 14:45

2025-05-19 16:10

Acknowledged

2 - Non-Material

Compliance

Missing Doc

The Final 1003 is Missing

_xXXXX_

Acknowledged-XX Acknowledges - Due Diligence Vendor-XX/XX/XXXX_xXXXX_

XXXX

Investment

Refinance

Cash Out - Other

XXXX

Investor Post-Close

XXXX

304731335

Closed

2025-07-25 05:22

2025-08-04 09:50

Acknowledged

2 - Non-Material

Compliance

Missing Doc

The Final 1003 is Missing

_xXXXX_

Acknowledged-XX Acknowledges - Due Diligence Vendor-XX/XX/XXXX_xXXXX_

XXXX

Investment

Refinance

Cash Out - Other

XXXX

Investor Post-Close

XXXX

304765373

Closed

2025-08-14 07:05

2026-07-06 16:39

Resolved

1 - Information

Property

Missing Doc

Second Appraisal/ Valuation is Missing

Resolved-Desk Review Provided. Updated & Resolved. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_
Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-XX/XX/XXXX _xXXXX_
Ready for Review-Document Uploaded. Uploaded - Buyer-XX/XX/XXXX _xXXXX_
Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than X.X Second Appraisal/Valuation is missing and is required for Securitizations. - Due Diligence Vendor-XX/XX/XXXX

_xXXXX_

XXXX

Investment

Refinance

No Cash Out - Borrower Initiated

XXXX

N/A

XXXX

304765373

Closed

2025-08-14 04:36

2025-10-30 08:13

Resolved

1 - Information

Compliance

Missing Doc

The Deed of Trust is Incomplete

Resolved-Resolved. Signed and fully executed. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_
Ready for Review-Document Uploaded. uploaded - Buyer-XX/XX/XXXX _xXXXX_
Open-The Deed of Trust is Incomplete Prepayment is not marked in DOT. Borrower signed as individual on DOT, however; on first page of DOT LLC name is reflecting. - Due Diligence Vendor-XX/XX/XXXX

_xXXXX_

Resolved-Resolved. Signed and fully executed. - Due Diligence Vendor-XX/XX/XXXX_xXXXX_

XXXX

Investment

Refinance

No Cash Out - Borrower Initiated

XXXX

N/A

XXXX

304765373

Closed

2025-08-14 07:31

2025-10-29 01:01

Resolved

1 - Information

Credit

Doc Issue

Prepayment Rider Missing

Resolved-prepayment Rider is missing in file, provided the same, changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX _xXXXX_
Ready for Review-Document Uploaded. Uploaded - Seller-XX/XX/XXXX _xXXXX_
Open-Prepayment Rider is missing from file. - Due Diligence Vendor-XX/XX/XXXX

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

Resolved-prepayment Rider is missing in file, provided the same, changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX_xXXXX_

XXXX

Investment

Refinance

No Cash Out - Borrower Initiated

XXXX

N/A

XXXX

304765373

Closed

2025-08-14 04:11

2025-09-03 14:38

Acknowledged

2 - Non-Material

Credit

Missing Doc

Business Purpose Affidavit is Missing

Acknowledged-XX Acknowledges - Due Diligence Vendor-XX/XX/XXXX _xXXXX_
Unable to Resolve-Unable to Resolve-XX Agrees to waive; please downgrade to a Non-Material Grade X. - Buyer-XX/XX/XXXX _xXXXX_
Open-The XXXX Page Loan Type is 'XXXX' but the Business Purpose Affidavit Disclosure Indicator on the XXXX is 'Missing', and on the Business Purpose VX Page is 'Missing'. Business Purpose Affidavit is required for a XXXX loan. Date is missing on Initial signed Business Purpose Affidavit. - Due Diligence Vendor-XX/XX/XXXX

_xXXXX_

Acknowledged-XX Acknowledges - Due Diligence Vendor-XX/XX/XXXX_xXXXX_

XXXX

Investment

Refinance

No Cash Out - Borrower Initiated

XXXX

Investor Post-Close

XXXX

304910547

Closed

2025-11-28 04:11

2025-12-29 12:00

Resolved

1 - Information

Credit

Borrower

Discrepancy between 1008 Page Qualifying FICO and actual Qualifying FICO

Resolved-Validation Resolved - Due Diligence Vendor-XX/XX/XXXX _xXXXX_
Resolved-Qualifying FICO on the XXXX Page is 'XXX' or blank, but the Qualifying FICO from the Credit Liabilities Page is 'XXX' or blank. Qualifying FICO entries do not match. Please confirm the correct Qualifying FICO value. Qualifying FICO on the XXXX Page is 'XXX' but the Qualifying FICO from the Credit Liabilities Page is 'XXX' .
Method used is primary wage earner - Due Diligence Vendor-XX/XX/XXXX

_xXXXX_

XXXX

Investment

Refinance

Cash Out - Other

XXXX

N/A

XXXX

304843888

Closed

2025-11-27 23:28

2025-12-29 11:37

Resolved

1 - Information

Credit

Borrower

Discrepancy between 1008 Page Qualifying FICO and actual Qualifying FICO

Resolved-Validation Resolved - Due Diligence Vendor-XX/XX/XXXX _xXXXX_
Open-Qualifying FICO on the XXXX Page is 'XXX' or blank, but the Qualifying FICO from the Credit Liabilities Page is 'XXX' or blank. Qualifying FICO entries do not match.  Please confirm the correct Qualifying FICO value. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_
Resolved-Validation Resolved - Due Diligence Vendor-XX/XX/XXXX _xXXXX_
Resolved-Updated XXXX Document uploaded, Qualifying FICO on the XXXX matches the Qualifying FICO from the Credit Liabilities, Verified - Resolved  - Due Diligence Vendor-XX/XX/XXXX _xXXXX_
Ready for Review-Document Uploaded.  - Seller-XX/XX/XXXX _xXXXX_
Open-Qualifying FICO on the XXXX Page is 'XXX' or blank, but the Qualifying FICO from the Credit Liabilities Page is 'XXX' or blank. Qualifying FICO entries do not match.  Please confirm the correct Qualifying FICO value. Verified Qualifying FICO is XXX but XXXX shows XXX.
- Due Diligence Vendor-XX/XX/XXXX

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

Resolved-Validation Resolved - Due Diligence Vendor-XX/XX/XXXX _xXXXX_
Resolved-Validation Resolved - Due Diligence Vendor-XX/XX/XXXX _xXXXX_
Resolved-Updated XXXX Document uploaded, Qualifying FICO on the XXXX matches the Qualifying FICO from the Credit Liabilities, Verified - Resolved - Due Diligence Vendor-XX/XX/XXXX_xXXXX_

XXXX

Investment

Refinance

Cash Out - Other

XXXX

N/A

XXXX

304843888

Closed

2025-12-02 14:21

2025-12-29 11:37

Resolved

1 - Information

Credit

Eligibility

Ineligible Housing History per program guidelines

Resolved-Housing History Meets XXXXXXXXX Requirements - Due Diligence Vendor-XX/XX/XXXX

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

Open-Housing History Does Not Meet XXXXXXXXX Requirements Page XXX Settlement Statement Disbursement XX/XX/XXXX. Unable to locate October XXXX mortgage payment for Select xxXXXX. - Due Diligence Vendor-XX/XX/XXXX

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

Resolved-Housing History Meets XXXXXXXXX Requirements - Due Diligence Vendor-XX/XX/XXXX

XXXX

Investment

Refinance

Cash Out - Other

XXXX

N/A

XXXX

304843888

Closed

2025-12-02 14:25

2025-12-11 07:57

Resolved

1 - Information

Credit

Missing Doc

Missing HOA Fee Statement

Resolved-XXX documentation uploaded.  - Due Diligence Vendor-XX/XX/XXXX

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

Counter-Latest XXX Fee Assessment not provided required for PITIA calculation:  XXXXX XXXXXXXX XXXXXX, XXXX XXXXXXXX XXXXXX, XXXX XXXXXXXXXX XXXX - Due Diligence Vendor-XX/XX/XXXX

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

Open-Latest XXX Fee Assessment not provided required for PITIA calculation:  XXXXX XXXXX XXXX, XXXX XXXXX XXXXXX XXXX, XXXX XXXXX XXXXXX XXXX, XXXX XXXXX XXXXX XX, XXXXX XXXXXXXX XXXXXX, XXXX XXXXXXX, XXXXX XXXXXX XXX, XXXX XXXXXXX, XXXX XXXXX XXXXXXX, XXXX XXXXX XXXXXXX, XXXX XXXXXXX XX, XXXX XXXXXXX XXXX, XXXXX XXXXXX XXX, XXXX XXXXXXXX XXXXXX, XXXX XXXXX XXXXXX, XXXX XX XXXXX XXXX, XXXX XXXXX XXXXX, XXXX XXXXXXXXXX XXXX, XXX XXXXXXXXX XXXX  - Due Diligence Vendor-XX/XX/XXXX

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

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

Resolved-XXX documentation uploaded. - Due Diligence Vendor-XX/XX/XXXX

XXXX

Investment

Refinance

Cash Out - Other

XXXX

N/A

XXXX

304902380

Closed

2025-12-07 10:04

2025-12-10 02:09

Resolved

1 - Information

Compliance

Missing Doc

The Note is Incomplete

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

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

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

Open-The Note is Incomplete Final note pages X of X and X of X are missing in the file. - Due Diligence Vendor-XX/XX/XXXX

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

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

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

XXXX

Investment

Refinance

No Cash Out - Borrower Initiated

XXXX

N/A

XXXX

304902380

Closed

2025-12-07 10:50

2025-12-10 00:12

Resolved

1 - Information

Credit

Missing Doc

Loan Approval Document is Missing

Resolved-Updated Loan Approval shows Loan program as Alt Doc - XX month. - Due Diligence Vendor-XX/XX/XXXX

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

Open-The loan program information on pg#XXX is showing income doc type as Full Doc -XX Month, whereas the income documents are available in the package is for Alt Doc - XX month bank statements. - Due Diligence Vendor-XX/XX/XXXX

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

Resolved-Updated Loan Approval shows Loan program as Alt Doc - XX month. - Due Diligence Vendor-XX/XX/XXXX

XXXX

Investment

Refinance

No Cash Out - Borrower Initiated

XXXX

N/A

XXXX

304896420

Closed

2025-12-12 08:50

2026-01-05 08:53

Resolved

1 - Information

Compliance

Missing Doc

The Note is Incomplete

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

Ready for Review-Document Uploaded. Please see the corrective - Buyer-XX/XX/XXXX

Ready for Review-Origination date: XX/XX/XXXX

Maturity date: XX/XX/XXXX

Calculation

From December XXXX to December XXXX is XX years.

XX years × XX months = XXX months

The maturity date is X days earlier than the exact XX-year anniversary, but that does not reduce the month count under standard loan-term conventions.

Loan term: XXX months - Buyer-XX/XX/XXXX

Open-The Note is Incomplete Updated Note is required due to current maturity date not equal to term of XXX. - Due Diligence Vendor-XX/XX/XXXX

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

XXXX

Investment

Refinance

No Cash Out - Borrower Initiated

XXXX

N/A

XXXX

304896420

Closed

2025-12-12 08:51

2026-01-05 08:49

Resolved

1 - Information

Compliance

Missing Doc

The Deed of Trust is Incomplete

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

Ready for Review-Document Uploaded. Please see corrective note - Buyer-XX/XX/XXXX

Ready for Review-Origination date: XX/XX/XXXX

Maturity date: XX/XX/XXXX

Calculation

From December XXXX to December XXXX is XX years.

XX years × XX months = XXX months

The maturity date is X days earlier than the exact XX-year anniversary, but that does not reduce the month count under standard loan-term conventions.

Loan term: XXX months - Buyer-XX/XX/XXXX

Open-Updated XXX is required due to current maturity date not equal to term of XXX. - Due Diligence Vendor-XX/XX/XXXX

XXXX

Investment

Refinance

No Cash Out - Borrower Initiated

XXXX

N/A

XXXX

304875640

Closed

2025-12-11 11:25

2026-05-04 06:50

Resolved

1 - Information

Compliance

TRID Tolerance

Insufficient Tolerance Cure (50001028)

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

Ready for Review-XX/X Disagree - there is no borrower harm. A XXXX is not required to add/increase lender paid fees. On XX/XX there was a relock on the file that caused pricing to increase. On wholesale loans lock actions are acceptable changes and circumstance. A Loan Estimate went out to the Borrower on the same day. Pricing for the rate ended at -X.XXX% or -$XXX.XX with lender paid compensation of $X,XXX.XX and a Final Cost to the Borrower of X.XXX% or $X,XXX.XX. Please see attached lock confirmation and Loan Estimate. - Due Diligence Vendor-XX/XX/XXXX

Counter-The loan discount points increased from $X,XXX on the XX dated XX/XX/XXXX to $X,XXX on the XX dated XX/XX/XXXX. There is no XXX for this increase and this was not a lender-paid fee. - Due Diligence Vendor-XX/XX/XXXX

Counter-The loan discount points increased from $X,XXX on the XX dated XX/XX/XXXX to $X,XXX on the XX dated XX/XX/XXXX. There is no XXX for this increase, and this was not a lender-paid fee. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-XX XX/XX Disagree - there is no borrower harm. A XXXX is not required to add lender paid fees - Due Diligence Vendor-XX/XX/XXXX

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

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

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

Open-A Lender Credit for Excess Charges of ($X.XX), Principal Reduction for Excess Charges of ($X.XX), and general or specific lender credit increases of ($XXX.XX) were applied to the total fee variance of ($X,XXX.XX) between the baseline disclosure and the last Closing Disclosure. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. Provide XXX for the Lender paid Appraisal fee and Credit report fee. - Due Diligence Vendor-XX/XX/XXXX

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

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

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

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

XXXX

Primary Residence

Purchase

XXXX

N/A

XXXX

304875640

Closed

2025-12-11 11:38

2025-12-18 12:41

Resolved

1 - Information

Credit

Eligibility

Housing History Does Not Meet Guideline Requirements

Resolved-Rent-Free letter received. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-XX/XX XX: See attached letter of explanation - Due Diligence Vendor-XX/XX/XXXX

Open-Primary history unable to verify, as borrower is staying in No primary housing expense, & no proper document provided to verify borrower is staying rent free. Provide rent free XXX.
- Due Diligence Vendor-XX/XX/XXXX

Resolved-Rent-Free letter received. - Due Diligence Vendor-XX/XX/XXXX

XXXX

Primary Residence

Purchase

XXXX

N/A

XXXX

304893856

Closed

2025-12-12 12:45

2025-12-18 15:41

Resolved

1 - Information

Compliance

Missing Doc

Consumer Caution and Home Owner Counseling Notice is Missing

Resolved-received the requested document - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-XX XX/XX: Please see the attached // - Due Diligence Vendor-XX/XX/XXXX

Open-Consumer Caution and Home Owner Counseling Notice is Missing - Due Diligence Vendor-XX/XX/XXXX

Resolved-received the requested document - Due Diligence Vendor-XX/XX/XXXX

XXXX

Primary Residence

Refinance

Cash Out - Other

XXXX

N/A

XXXX

304893856

Closed

2025-12-12 06:04

2025-12-12 13:01

Resolved

1 - Information

Compliance

HigherPriced:APR

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

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

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

XXXX

Primary Residence

Refinance

Cash Out - Other

XXXX

N/A

XXXX

304897353

Closed

2025-12-12 13:07

2025-12-19 01:23

Resolved

1 - Information

Credit

Title

Title Coverage is Less than Subject Lien(s) Total

XXXXXXXX-Requested updated title policy with updated coverage amount provided that covers loan amount, updated & condition resolved. - XXX XXXXXXXXX XXXX-XX/XX/XXXX

XXXXXXXX-Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s) - XXX XXXXXXXXX XXXX-XX/XX/XXXX

XXXXX for XXXXXX-Title Policy - XXX XXXXXXXXX XXXX-XX/XX/XXXX

XXXX-Title Coverage Amount of $XXXXXX is Less than Loan Amount Title Coverage Amount of $XXXXXX Which is Less than Loan XXX,XXX, We Need Updated Title Document. - XXX XXXXXXXXX XXXX-XX/XX/XXXX

XXXX

Primary Residence

Refinance

Cash Out - Other

XXXX

N/A

XXXX

304897353

Closed

2025-12-12 12:54

2025-12-16 17:24

Resolved

1 - Information

Compliance

HigherPriced:APR

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

XXXXXXXX-The loan's (X.XXX%) APR equals or exceeds the Federal XXXX threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX XXX XXXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. ( XX XXX § XXXXX.XX(a)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX XXX §XXXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXXX Header Disclosure XXXX was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on XX#’s XXX, Xand the Final Closing disclosure on XX#’s XXX, Finding reflects escrows. Rate lock date was entered correctly – see XX#’s XXX. An interior and exterior appraisal was completed for this property – see pg XX, the appraisal disclosure was provided to the borrower(s)- see XX#’s XXX, and confirmation the appraisal was delivered to the borrower – see XX#’s XXX. The loan meets XXXX guidelines, resolved. - XXX XXXXXXXXX XXXX-XX/XX/XXXX

XXXX- - XXX XXXXXXXXX XXXX-XX/XX/XXXX

XXXX- - XXX XXXXXXXXX XXXX-XX/XX/XXXX

XXXX

Primary Residence

Refinance

Cash Out - Other

XXXX

N/A

XXXX

305033645

Closed

2025-12-23 03:47

2026-02-10 06:39

Resolved

1 - Information

Compliance

XXXX

AbilityToRepay: QMPointsAndFees

XXXX- - XXX XXXXXXXXX XXXX-XX/XX/XXXX

XXXXXXXXX-The loan fees ($XX,XXX.XX) exceed the (XX) (Note Amount >=$XXX,XXX.XX) fee limit, which is X% of the Total Loan Amount ($XX,XXX.XX), the difference is ($XXX.XX). (XX XXX XXXXX.XX(e)(X). Non XX loan - XXX XXXXXXXXX XXXX-XX/XX/XXXX

XXXX- - XXX XXXXXXXXX XXXX-XX/XX/XXXX

XXXX- - XXX XXXXXXXXX XXXX-XX/XX/XXXX

XXXXXXXXX-The loan fees ($XX,XXX.XX) exceed the (XX) (Note Amount >=$XXX,XXX.XX) fee limit, which is X% of the Total Loan Amount ($XX,XXX.XX), the difference is ($XXX.XX). (XX XXX XXXXX.XX(e)(X). Non XX loan - XXX XXXXXXXXX XXXX-XX/XX/XXXX

XXXX

Second Home

Purchase

XXXX

N/A

XXXX

305033645

Closed

2025-12-23 02:48

2026-02-10 06:39

Resolved

1 - Information

Credit

Missing Doc

Flood Insurance Policy Partially Provided

XXXXXXXX-Flood Insurance Policy is fully present - XXX XXXXXXXXX XXXX-XX/XX/XXXX

XXXXXXXX-Updated info does not list other supplemental insurance.  - XXX XXXXXXXXX XXXX-XX/XX/XXXX

XXXXX for XXXXXX-Document Uploaded. Please note the First payment letter signed at closing did not have other amounts.  Please see first payment letter, updated XXXX and XXXX.  - XXXXX-XX/XX/XXXX

XXXXXXX-All documents first payment letter, final loan information and Final XXXX all show $XXX supplemental insurance. Provide the documentation to support the $XXX month supplemental insurance used in the transaction.  - XXX XXXXXXXXX XXXX-XX/XX/XXXX

XXXXX for XXXXXX-Flood insurance is not escrowed as this is a condo and the master flood policy is paid by the XXX.  The borrower has a XXX inner four walls policy of which is escrowed. - XXXXX-XX/XX/XXXX

XXXX-Flood Insurance Policy Partially Provided The Final XX does not show flood insurance escrowed. All other documents  first payment letter, final loan information and Final XXXX all show $XXX supplemental insurance. Clarification and documentation to support is required. - XXX XXXXXXXXX XXXX-XX/XX/XXXX

XXXXXXXX-Flood Insurance Policy is fully present - XXX XXXXXXXXX XXXX-XX/XX/XXXX

XXXXXXXX-Updated info does not list other supplemental insurance. - XXX XXXXXXXXX XXXX-XX/XX/XXXX

XXXX

Second Home

Purchase

XXXX

N/A

XXXX

305071422

Closed

2026-01-02 06:43

2026-02-09 14:34

Resolved

1 - Information

Compliance

Enterprise:FeeLimits

ER - Texas Constitution 2% Fee Limit

XXXXXXXX-Compliance Test is re run with provided documentation. Finding Resolved - XXX XXXXXXXXX XXXX-XX/XX/XXXX

XXXXXXXX- - XXX XXXXXXXXX XXXX-XX/XX/XXXX

XXXX- - XXX XXXXXXXXX XXXX-XX/XX/XXXX

XXXX- - XXX XXXXXXXXX XXXX-XX/XX/XXXX

XXXX- - XXX XXXXXXXXX XXXX-XX/XX/XXXX

XXXXX for XXXXXX-Document Uploaded. Please see uploaded XXX - XXXXX-XX/XX/XXXX

XXXXXXX-Thanks for providing the lender’s XXXXXX testing.  After deeper review,  there is no Bonafide discount points, so the discount points are included in the test. This is causing the fail on our end. Please provide proof the rate was bona fide.
- XXX XXXXXXXXX XXXX-XX/XX/XXXX

XXXXX for XXXXXX-Document Uploaded. Attached is internal lock confirmation and our XXXXXX pass on the X% XX XX(a)(X) test.   - XXXXX-XX/XX/XXXX

XXXX- - XXX XXXXXXXXX XXXX-XX/XX/XXXX

XXXX- - XXX XXXXXXXXX XXXX-XX/XX/XXXX

XXXX- - XXX XXXXXXXXX XXXX-XX/XX/XXXX

XXXX-If the $X,XXX.XX loan discount point fee is excluded, total fees are $X,XXX.XX within the max $X,XXX (X%).  - XXX XXXXXXXXX XXXX-XX/XX/XXXX

XXXX- - XXX XXXXXXXXX XXXX-XX/XX/XXXX

XXXX- - XXX XXXXXXXXX XXXX-XX/XX/XXXX

XXXXX for XXXXXX-Document Uploaded. Please review upload - XXXXX-XX/XX/XXXX

XXXX-. - XXX XXXXXXXXX XXXX-XX/XX/XXXX

XXXX- - XXX XXXXXXXXX XXXX-XX/XX/XXXX

XXXXX for XXXXXX-Document Uploaded. Please review upload - XXXXX-XX/XX/XXXX

XXXXXXX-The loan amount was restructured to $XXX,XXX per all final documents provided at initial review. The XXXXXX provided in the response shows the loan amount as $XXXx.  - XXX XXXXXXXXX XXXX-XX/XX/XXXX

XXXXX for XXXXXX-Document Uploaded. Please review upload - XXXXX-XX/XX/XXXX

XXXX- - XXX XXXXXXXXX XXXX-XX/XX/XXXX

XXXX- - XXX XXXXXXXXX XXXX-XX/XX/XXXX

XXXX- - XXX XXXXXXXXX XXXX-XX/XX/XXXX

XXXX- - XXX XXXXXXXXX XXXX-XX/XX/XXXX

XXXX- - XXX XXXXXXXXX XXXX-XX/XX/XXXX

XXXX-The Texas Constitution prohibits fees from exceeding X% of the principal balance on a non-purchase money loan. (Tex. Const. Art. XX Sec. XX(a)(X)(E); X XX XXX Sec. XXX.X)  Loan failed XX X% limit state restrictions - XXX XXXXXXXXX XXXX-XX/XX/XXXX

XXXX- - XXX XXXXXXXXX XXXX-XX/XX/XXXX

XXXX- - XXX XXXXXXXXX XXXX-XX/XX/XXXX

XXXXXXXX-Compliance Test is re run with provided documentation. Finding Resolved - XXX XXXXXXXXX XXXX-XX/XX/XXXX

XXXX

Primary Residence

Refinance

Cash Out - Other

XXXX

N/A

XXXX

305071422

Closed

2026-01-02 06:43

2026-02-09 09:09

Resolved

1 - Information

Compliance

Fees:Limited

Texas - Maximum Fees Allowed

XXXXXXXX- - XXX XXXXXXXXX XXXX-XX/XX/XXXX

XXXXXXXX- - XXX XXXXXXXXX XXXX-XX/XX/XXXX

XXXXXXXX- - XXX XXXXXXXXX XXXX-XX/XX/XXXX

XXXXXXXX-Document provided - XXX XXXXXXXXX XXXX-XX/XX/XXXX

XXXXXXXX- - XXX XXXXXXXXX XXXX-XX/XX/XXXX

XXXX- - XXX XXXXXXXXX XXXX-XX/XX/XXXX

XXXX- - XXX XXXXXXXXX XXXX-XX/XX/XXXX

XXXXX for XXXXXX-Document Uploaded. Please see uploaded XXX - XXXXX-XX/XX/XXXX

XXXXXXX-Thanks for providing the lender’s XXXXXX testing.  After deeper review,  there is no Bonafide discount points, so the discount points are included in the test. This is causing the fail on our end. Please provide proof the rate was bona fide.

- XXX XXXXXXXXX XXXX-XX/XX/XXXX

XXXXX for XXXXXX-Document Uploaded. Attached is internal lock confirmation and our XXXXXX pass on the X% XX XX(a)(X) test.   - XXXXX-XX/XX/XXXX

XXXX- - XXX XXXXXXXXX XXXX-XX/XX/XXXX

XXXX- - XXX XXXXXXXXX XXXX-XX/XX/XXXX

XXXX- - XXX XXXXXXXXX XXXX-XX/XX/XXXX

XXXX-If the $X,XXX.XX loan discount point fee is excluded, total fees are $X,XXX.XX within the max $X,XXX (X%).  - XXX XXXXXXXXX XXXX-XX/XX/XXXX

XXXX- - XXX XXXXXXXXX XXXX-XX/XX/XXXX

XXXX- - XXX XXXXXXXXX XXXX-XX/XX/XXXX

XXXXX for XXXXXX-Document Uploaded. Please review upload - XXXXX-XX/XX/XXXX

XXXX-. - XXX XXXXXXXXX XXXX-XX/XX/XXXX

XXXX- - XXX XXXXXXXXX XXXX-XX/XX/XXXX

XXXXX for XXXXXX-Document Uploaded. Please review upload - XXXXX-XX/XX/XXXX

XXXXXXX-The loan amount was restructured to $XXX,XXX per all final documents provided at initial review. The XXXXXX provided in the response shows the loan amount as $XXXx.  - XXX XXXXXXXXX XXXX-XX/XX/XXXX

XXXXX for XXXXXX-Document Uploaded. Please review upload - XXXXX-XX/XX/XXXX

XXXX- - XXX XXXXXXXXX XXXX-XX/XX/XXXX

XXXX- - XXX XXXXXXXXX XXXX-XX/XX/XXXX

XXXX- - XXX XXXXXXXXX XXXX-XX/XX/XXXX

XXXX- - XXX XXXXXXXXX XXXX-XX/XX/XXXX

XXXX- - XXX XXXXXXXXX XXXX-XX/XX/XXXX

XXXX-The Texas Constitution prohibits fees from exceeding X% of the principal balance on a non-purchase money loan. (Tex. Const. Art. XX Sec. XX(a)(X)(E); X XX XXX Sec. XXX.X)  Loan failed XX X% limit state restrictions - XXX XXXXXXXXX XXXX-XX/XX/XXXX

XXXX- - XXX XXXXXXXXX XXXX-XX/XX/XXXX

XXXX- - XXX XXXXXXXXX XXXX-XX/XX/XXXX

XXXXXXXX-  - XXX XXXXXXXXX XXXX-XX/XX/XXXX

XXXXXXXX-  - XXX XXXXXXXXX XXXX-XX/XX/XXXX

XXXXXXXX-  - XXX XXXXXXXXX XXXX-XX/XX/XXXX

XXXXXXXX-Document provided - XXX XXXXXXXXX XXXX-XX/XX/XXXX

XXXX

Primary Residence

Refinance

Cash Out - Other

XXXX

N/A

XXXX

305071422

Closed

2026-01-07 07:36

2026-01-20 06:05

Resolved

1 - Information

Credit

Closing

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

XXXXXXXX-Used XXX end date XX/XX/XXXX as gap report date within XX days of closing. New account listed on the XXX is already captured in liabilities. - XXX XXXXXXXXX XXXX-XX/XX/XXXX

XXXXXXXX-Borrower X Gap Credit Report is not expired. - XXX XXXXXXXXX XXXX-XX/XX/XXXX

XXXXX for XXXXXX-Document Uploaded. Please review upload - XXXXX-XX/XX/XXXX

XXXX-Borrower X Gap Credit Report is Expired (Greater than XX days from Closing/Settlement Date). A gap credit report from at least one of three major national credit repositories (XXXXXXXXXX, XXXXXXXX, or XXXXXXXX) is required within XX business days of closing. - XXX XXXXXXXXX XXXX-XX/XX/XXXX

XXXX

Primary Residence

Refinance

Cash Out - Other

XXXX

N/A

XXXX

305071422

Closed

2026-01-02 06:43

2026-01-30 08:16

Resolved

1 - Information

Compliance

HigherPriced:APR

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

XXXXXXXX-The loan meets XXXX guidelines - XXX XXXXXXXXX XXXX-XX/XX/XXXX

XXXX- - XXX XXXXXXXXX XXXX-XX/XX/XXXX

XXXXXXXX- - XXX XXXXXXXXX XXXX-XX/XX/XXXX

XXXX- - XXX XXXXXXXXX XXXX-XX/XX/XXXX

XXXXXXXX- - XXX XXXXXXXXX XXXX-XX/XX/XXXX

XXXX- - XXX XXXXXXXXX XXXX-XX/XX/XXXX

XXXXXXXX-The loan's (X.XXX%) APR equals or exceeds the Federal XXXX threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX XXX XXXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. ( XX XXX § XXXXX.XX(a)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX XXX §XXXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXXX Header Disclosure XXXX was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on XX#’s XXX and the Final Closing disclosure on XX#’s XXX, Finding reflects escrows. Rate lock date was entered correctly – see XX#XXX An interior and exterior appraisal was completed for this property – see pg XX, the appraisal disclosure was provided to the borrower(s)- see XX#’XXX in file and confirmation the appraisal was delivered to the borrower – see XX#XXX The loan meets XXXX guidelines - XXX XXXXXXXXX XXXX-XX/XX/XXXX

XXXXX for XXXXXX-Document Uploaded. Please review upload - XXXXX-XX/XX/XXXX

XXXX- - XXX XXXXXXXXX XXXX-XX/XX/XXXX

XXXX- - XXX XXXXXXXXX XXXX-XX/XX/XXXX

XXXX- - XXX XXXXXXXXX XXXX-XX/XX/XXXX

XXXXXXXX- - XXX XXXXXXXXX XXXX-XX/XX/XXXX

XXXX- - XXX XXXXXXXXX XXXX-XX/XX/XXXX

XXXXXXXX-he loan's (X.XXX%) APR equals or exceeds the Federal XXXX threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX XXX XXXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. ( XX XXX § XXXXX.XX(a)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX XXX §XXXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXXX Header Disclosure XXXX was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on XX#’s XXX and the Final Closing disclosure on XX#’s XXX, Finding reflects escrows. Rate lock date was entered correctly – see XX#XXX An interior and exterior appraisal was completed for this property – see pg XX, the appraisal disclosure was provided to the borrower(s)- see XX#’XXX in file and confirmation the appraisal was delivered to the borrower – see XX#XXX The loan meets XXXX guidelines - XXX XXXXXXXXX XXXX-XX/XX/XXXX

XXXX-. - XXX XXXXXXXXX XXXX-XX/XX/XXXX

XXXX- - XXX XXXXXXXXX XXXX-XX/XX/XXXX

XXXXXXXX-The loan's (X.XXX%) APR equals or exceeds the Federal XXXX threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX XXX XXXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. ( XX XXX § XXXXX.XX(a)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX XXX §XXXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met.
XXXX Header Disclosure XXXX was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on XX#’s XXX and the Final Closing disclosure on XX#’s XXX, Finding reflects escrows. Rate lock date was entered correctly – see XX#XXX An interior and exterior appraisal was completed for this property – see pg XX, the appraisal disclosure was provided to the borrower(s)- see XX#’XXX in file and confirmation the appraisal was delivered to the borrower – see XX#XXX The loan meets XXXX guidelines - XXX XXXXXXXXX XXXX-XX/XX/XXXX

XXXX- - XXX XXXXXXXXX XXXX-XX/XX/XXXX

XXXX- - XXX XXXXXXXXX XXXX-XX/XX/XXXX

XXXX- - XXX XXXXXXXXX XXXX-XX/XX/XXXX

XXXX- - XXX XXXXXXXXX XXXX-XX/XX/XXXX

XXXX- - XXX XXXXXXXXX XXXX-XX/XX/XXXX

XXXX- - XXX XXXXXXXXX XXXX-XX/XX/XXXX

XXXX- - XXX XXXXXXXXX XXXX-XX/XX/XXXX

XXXXXXXX-The loan meets XXXX guidelines - XXX XXXXXXXXX XXXX-XX/XX/XXXX

XXXXXXXX-  - XXX XXXXXXXXX XXXX-XX/XX/XXXX

XXXXXXXX-  - XXX XXXXXXXXX XXXX-XX/XX/XXXX

XXXXXXXX-The loan's (X.XXX%) APR equals or exceeds the Federal XXXX threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX XXX XXXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. ( XX XXX § XXXXX.XX(a)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX XXX §XXXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXXX Header Disclosure XXXX was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on XX#’s XXX and the Final Closing disclosure on XX#’s XXX, Finding reflects escrows. Rate lock date was entered correctly – see XX#XXX An interior and exterior appraisal was completed for this property – see pg XX, the appraisal disclosure was provided to the borrower(s)- see XX#’XXX in file and confirmation the appraisal was delivered to the borrower – see XX#XXX The loan meets XXXX guidelines - XXX XXXXXXXXX XXXX-XX/XX/XXXX

XXXXXXXX-  - XXX XXXXXXXXX XXXX-XX/XX/XXXX

XXXXXXXX-he loan's (X.XXX%) APR equals or exceeds the Federal XXXX threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX XXX XXXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. ( XX XXX § XXXXX.XX(a)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX XXX §XXXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXXX Header Disclosure XXXX was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on XX#’s XXX and the Final Closing disclosure on XX#’s XXX, Finding reflects escrows. Rate lock date was entered correctly – see XX#XXX An interior and exterior appraisal was completed for this property – see pg XX, the appraisal disclosure was provided to the borrower(s)- see XX#’XXX in file and confirmation the appraisal was delivered to the borrower – see XX#XXX The loan meets XXXX guidelines - XXX XXXXXXXXX XXXX-XX/XX/XXXX

XXXXXXXX-The loan's (X.XXX%) APR equals or exceeds the Federal XXXX threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX XXX XXXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. ( XX XXX § XXXXX.XX(a)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX XXX §XXXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met.
XXXX Header Disclosure XXXX was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on XX#’s XXX   and the Final Closing disclosure on XX#’s XXX,  Finding reflects escrows. Rate lock date was entered correctly – see XX#XXX An interior and exterior appraisal was completed for this property – see pg XX, the appraisal disclosure was provided to the borrower(s)- see XX#’XXX  in file and confirmation the appraisal was delivered to the borrower – see XX#XXX  The loan meets XXXX guidelines - XXX XXXXXXXXX XXXX-XX/XX/XXXX

XXXX

Primary Residence

Refinance

Cash Out - Other

XXXX

N/A

XXXX

305027381

Closed

2026-01-15 08:40

2026-02-23 23:45

Resolved

1 - Information

Credit

Title

Title Coverage is Less than Subject Lien(s) Total

XXXXXXXX-Final Title Policy uploaded, Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s), Verified & entered in system - Resolved
- XXX XXXXXXXXX XXXX-XX/XX/XXXX

XXXXXXXX-Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s) - XXX XXXXXXXXX XXXX-XX/XX/XXXX

XXXXX for XXXXXX-XX.XX.XXXX - Please see attached XXX - XXX XXXXXXXXX XXXX-XX/XX/XXXX

XXXX-Title Coverage Amount of $XXXXXX is Less than Loan Amount Provide Title Covering Loan Amount $XXX,XXX - XXX XXXXXXXXX XXXX-XX/XX/XXXX

XXXX

Primary Residence

Purchase

XXXX

N/A

XXXX

305027381

Closed

2026-01-15 09:57

2026-01-15 13:40

Resolved

1 - Information

Compliance

HigherPriced:APR

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

XXXX

Primary Residence

Purchase

XXXX

N/A

XXXX

305013625

Closed

2026-01-20 03:03

2026-02-20 07:36

Resolved

1 - Information

Compliance

Rescission:Disbursement

Federal - Right of Rescission (Loan Disbursement Violation) (TILA)

Resolved-Disbursement date was X/XX/XXXX - XXX XXXXXXXX XXXXXX-XX/XX/XXXX _xXXXX_
Ready for Review-Right of Recission response attached. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX _xXXXX_
Open-The loan disbursement date (XXXX-XX-XX) is earlier than, or the same day as, the calculated "Right to Cancel Expire Date" (XXXX-XX-XX). Under Regulation Z, funds may not be disbursed to the borrower until after the expiration of the rescission period. (XX XXX XXXX.XX(c) and Official Staff Commentary) The disbursement date and the right to cancel date is the same date. Under Regulation Z, funds may not be disbursed to the borrower until after the expiration of the rescission period. (XX XXX XXXX.XX(c) - XXX XXXXXXXX XXXXXX-XX/XX/XXXX _xXXXX_
Open- - XXX XXXXXXXX XXXXXX-XX/XX/XXXX _xXXXX_
Open- - XXX XXXXXXXX XXXXXX-XX/XX/XXXX

_xXXXX_

Resolved-Disbursement date was X/XX/XXXX - XXX XXXXXXXX XXXXXX-XX/XX/XXXX_xXXXX_

XXXX

Primary Residence

Refinance

Cash Out - Other

XXXX

N/A

XXXX

305013625

Closed

2026-01-20 00:00

2026-02-20 02:15

Resolved

1 - Information

Credit

Title

Title Coverage is Less than Subject Lien(s) Total

Resolved-Requested updated title document with updated coverage that covers loan amount provided, updated & condition resolved. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX _xXXXX_
Resolved-Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s) - XXX XXXXXXXX XXXXXX-XX/XX/XXXX _xXXXX_
Ready for Review-Title Policy attached - XXX XXXXXXXX XXXXXX-XX/XX/XXXX _xXXXX_
Open-Title Coverage Amount of $XXXXXX is Less than Loan Amount. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX

_xXXXX_

XXXX

Primary Residence

Refinance

Cash Out - Other

XXXX

N/A

XXXX

305013625

Closed

2026-01-20 04:36

2026-02-20 02:12

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 Citizenship Identification Documentation Missing

Resolved-Requested Permanent resident card provided, updated & condition resolved. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX _xXXXX_
Resolved-Validation Resolved or Not Applicable - XXX XXXXXXXX XXXXXX-XX/XX/XXXX _xXXXX_
Ready for Review-Permanent Res Card attached - XXX XXXXXXXX XXXXXX-XX/XX/XXXX _xXXXX_
Open-Borrower X Non-US Citizen Identification Document Missing. Please provide acceptable documentation. Borrower X Non-US Citizen Identification Document Missing in file. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX

_xXXXX_

XXXX

Primary Residence

Refinance

Cash Out - Other

XXXX

N/A

XXXX

305013625

Closed

2026-01-20 01:32

2026-02-20 02:09

Resolved

1 - Information

Credit

Closing

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

Resolved-UDM provided in lieu of gap credit report, updated & condition resolved. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX _xXXXX_
Resolved-Borrower X Gap Credit Report is not expired. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX _xXXXX_
Ready for Review-Gap Credit report. Please note the report date of X/X/XX on the last page. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX _xXXXX_
Open-Borrower X Gap Credit Report is Expired (Greater than XX days from Closing/Settlement Date). Borrower X Gap Credit Report is not within XX days of the closing date. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX

_xXXXX_

XXXX

Primary Residence

Refinance

Cash Out - Other

XXXX

N/A

XXXX

305013625

Closed

2026-01-19 23:21

2026-02-20 02:04

Resolved

1 - Information

Credit

Missing Doc

1008 Document is Missing

Resolved-The XXXX document is present in the loan file. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX _xXXXX_
Ready for Review-XXXX Transmittal - XXX XXXXXXXX XXXXXX-XX/XX/XXXX _xXXXX_
Open-The XXXX document is missing from the loan file. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX

_xXXXX_

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

XXXX

Primary Residence

Refinance

Cash Out - Other

XXXX

N/A

XXXX

305013625

Closed

2026-01-20 02:54

2026-01-22 08:14

Resolved

1 - Information

Compliance

HigherPriced:APR

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

_xXXXX_

XXXX

Primary Residence

Refinance

Cash Out - Other

XXXX

N/A

XXXX

305071420

Closed

2026-01-22 03:03

2026-02-12 17:30

Resolved

1 - Information

Credit

Assets

Asset 3 Does Not Meet Guideline Requirements

Resolved-Borrower is having sufficient reserves without asset X hence condition not needed, updated & condition resolved. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX _xXXXX_
Resolved-Asset Record X Meets G/L Requirements Or Not Applicable - XXX XXXXXXXX XXXXXX-XX/XX/XXXX _xXXXX_
Ready for Review-Document Uploaded. Please review upload - XXXXX-XX/XX/XXXX _xXXXX_
Open-Asset Record X Does Not Meet G/L Requirements Missing evidence of assets for XXXXXXXXXX account XXXX. Per final XXXX assets from this account are iao $XX,XXX.XX, - XXX XXXXXXXX XXXXXX-XX/XX/XXXX

_xXXXX_

XXXX

Primary Residence

Purchase

XXXX

N/A

XXXX

305071420

Closed

2026-01-22 00:51

2026-02-12 17:29

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 3rd Party VOE Prior to Close Missing

Resolved-Borrower X Xrd Party VOE Prior to Close Was Provided - XXX XXXXXXXX XXXXXX-XX/XX/XXXX _xXXXX_
Ready for Review-Document Uploaded. Please review upload - XXXXX-XX/XX/XXXX _xXXXX_
Counter-Work number VOE provided is also in the loan package. It could not be used because it is date more than XX business days from close - XXX XXXXXXXX XXXXXX-XX/XX/XXXX _xXXXX_
Ready for Review-Document Uploaded. Please review upload - XXXXX-XX/XX/XXXX _xXXXX_
Open-Borrower X Xrd Party VOE Prior to Close Missing Borrower X Xrd Party VOE for XXXXXXXXX XXXXXXXXX within XX days to closing date is missing in the file. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX

_xXXXX_

Resolved-Borrower X Xrd Party VOE Prior to Close Was Provided - XXX XXXXXXXX XXXXXX-XX/XX/XXXX_xXXXX_

XXXX

Primary Residence

Purchase

XXXX

N/A

XXXX

305071416

Closed

2026-01-30 08:15

2026-02-10 01:50

Resolved

1 - Information

Credit

Doc Issue

HOA Fee Difference

Resolved-Requested updated appraisal with HOA fee of $XXX per annually provided, updated & condition resolved. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX _xXXXX_
Ready for Review-Document Uploaded. please see attached. - XXXXX-XX/XX/XXXX _xXXXX_
Open-HOA Fee difference exsits between validated HOA and documents There is $XXX HOA fee reflecting in Final XXXX Settlement Statement & in appraisal HOA fee reflecting is $X, if we add $XXX/XX = $XX to PITIA DSCR is exactly matching. PITIA of $X,XXX.X+ HOA Fee of $XX = $X,XXX.X ($X,XXX/$X,XXX.X = X.XXX% DSCR), Provide updated appraisal with HOA fee of $XXX annually. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX

_xXXXX_

Resolved-Requested updated appraisal with HOA fee of $XXX per annually provided, updated & condition resolved. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX_xXXXX_

XXXX

Investment

Purchase

XXXX

N/A

XXXX

305031107

Closed

2026-02-02 23:38

2026-02-03 09:12

Resolved

1 - Information

Compliance

HigherPriced:APR

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

_xXXXX_

XXXX

Primary Residence

Purchase

XXXX

N/A

XXXX

305031107

Closed

2026-02-02 23:38

2026-02-03 09:12

Resolved

1 - Information

Compliance

XXXX

HigherPriced: APR

Resolved-You submitted no impound amounts for property insurance on this XXXX loan. Regulation Z prohibits a lender from making a first lien higher priced mortgage loan unless an escrow account is established before consummation for payment of property taxes and premiums for mortgage-related insurance. A creditor or servicer may not cancel the escrow account until the earlier of: (X) termination of the underlying debt obligation or (X) XXXX years after consummation if the unpaid principal balance is less than XX% of the original value of the property and the consumer is not delinquent or in default on the underlying debt obligation. (XX CFR XXXXXXX(b)) XXXX Header Disclosure XXXX was entered correctly All disclosures, XXX’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on XX# N/A and the Final Closing disclosure on XX# XXX reflects escrows. Rate lock date was entered correctly see XX# XXX An interior and exterior appraisal was completed for this property – see XXXX# XX the appraisal disclosure was provided to the borrower(s)- see XX# XX, and copy of the appraisal was given to the borrower see XX# XX for the copy of the disclosure. The loan meets XXXX XXXXXXXXXX"

- Due Diligence XXXXXX-XX/XX/XXXX _xXXXX_
Open- - Due Diligence XXXXXX-XX/XX/XXXX _xXXXX_
Open- - Due Diligence XXXXXX-XX/XX/XXXX _xXXXX_
Open- - Due Diligence XXXXXX-XX/XX/XXXX _xXXXX_
Open- - Due Diligence XXXXXX-XX/XX/XXXX

_xXXXX_

XXXX

Primary Residence

Purchase

XXXX

N/A

XXXX

305071554

Closed

2026-02-04 23:48

2026-02-10 03:35

Resolved

1 - Information

Credit

DSCR Does Not Meet Guideline Requirements

Resolved-XXXX does not meet XX's which is <X, provided Air XXX, calculated and XXXX meets XX's, changes made in system, Finding Resolved
- Due Diligence XXXXXX-XX/XX/XXXX _xXXXX_
Ready for Review-see attached - Due Diligence XXXXXX-XX/XX/XXXX _xXXXX_
Open-As per guidelines minimum required XXXX is X. But calculated XXXX is X.XXX XXXX.
XXXX calculated as market estimate $X,XXX / $X,XXXXXX = .XXX - Due Diligence XXXXXX-XX/XX/XXXX

_xXXXX_

Resolved-XXXX does not meet XX's which is <X, provided Air XXX, calculated and XXXX meets XX's, changes made in system, Finding Resolved
- Due Diligence XXXXXX-XX/XX/XXXX_xXXXX_

XXXX

Investment

Refinance

Cash Out - Other

XXXX

N/A

XXXX

305048373

Closed

2026-02-06 04:40

2026-02-19 07:45

Resolved

1 - Information

Credit

Eligibility

Business Entity Formation Doc Missing

Resolved-Validation Resolved' Please provide Articles of Incorporation or comparable documents. - Due Diligence XXXXXX-XX/XX/XXXX _xXXXX_
Ready for Review-Document Uploaded. Articles of Organization uploaded for review. - Buyer-XX/XX/XXXX _xXXXX_
Open-Entity Formation Doc Indicator is Missing. Articles of organization missing from the file. - Due Diligence XXXXXX-XX/XX/XXXX

_xXXXX_

Resolved-Validation Resolved' Please provide Articles of Incorporation or comparable documents. - Due Diligence XXXXXX-XX/XX/XXXX_xXXXX_

XXXX

Investment

Refinance

Cash Out - Other

XXXX

N/A

XXXX

305048373

Closed

2026-02-08 23:25

2026-02-13 04:10

Resolved

1 - Information

Credit

Missing Doc

Third Party Fraud Report not Provided

Resolved-Requested third party fraud report provided, updated & condition resolved. - Due Diligence XXXXXX-XX/XX/XXXX _xXXXX_
Resolved-Third Party Fraud Report is provided - Due Diligence XXXXXX-XX/XX/XXXX _xXXXX_
Ready for Review-Document Uploaded. Fraud Report uploaded for review - Buyer-XX/XX/XXXX _xXXXX_
Open-Missing Third Party Fraud Report Please provide copy of Fraud Identity or report to verify Fraud/XXXX etc. the provided document risk assessment on page XXX is not readable. - Due Diligence XXXXXX-XX/XX/XXXX

_xXXXX_

XXXX

Investment

Refinance

Cash Out - Other

XXXX

N/A

XXXX

305071544

Closed

2026-02-10 03:54

2026-02-12 07:55

Waived

2 - Non-Material

Credit

Eligibility

Ineligible Housing History per program guidelines

Waived-Housing History Does Not Meet XXXXXXXXX Requirements Exception page XXX
Exception Reason: XXXX Primary Housing History- Loan File - No Housing History
Borrower currently living in primary house from last four months and owned free & clear, previous was owned and converted to rental, Mortgage is solely in spouse name.
Client elects to waive with the following compensating factors. - Due Diligence XXXXXX-XX/XX/XXXX

_xXXXX_

XXXX

Investment

Refinance

Cash Out - Other

XXXX

Originator Pre-Close

Yes

XXXX

305077669

Closed

2026-02-10 23:51

2026-02-18 14:08

Resolved

1 - Information

Compliance

Missing Doc

TRID: Missing Loan Estimate

Resolved-Initial XX XX/X/XXXX. - Due Diligence XXXXXX-XX/XX/XXXX _xXXXX_
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX _xXXXX_
Open-Provide Initial XX missing in loan file - Due Diligence XXXXXX-XX/XX/XXXX

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

Resolved-Initial XX XX/X/XXXX. - Due Diligence XXXXXX-XX/XX/XXXX_xXXXX_

XXXX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

XXXX

N/A

XXXX

305077669

Closed

2026-02-10 23:51

2026-02-17 02:39

Resolved

1 - Information

Compliance

Missing Doc

TRID: Missing Initial Closing Disclosure

Resolved-Initial Closing Disclosure uploaded, Verified & entered in system - Resolved
- Due Diligence XXXXXX-XX/XX/XXXX _xXXXX_
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX _xXXXX_
Open-XXXX: Missing Closing Disclosure Provide Initial XX missing in loan file - Due Diligence XXXXXX-XX/XX/XXXX

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

Resolved-Initial Closing Disclosure uploaded, Verified & entered in system - Resolved
- Due Diligence XXXXXX-XX/XX/XXXX_xXXXX_

XXXX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

XXXX

N/A

XXXX

305071414

Closed

2026-02-11 00:15

2026-02-24 06:41

Resolved

1 - Information

Credit

Missing Doc

The letter of explanation for the borrower's assets/reserves is missing

Resolved-XXX is owned by borrower & spouse hence no XXX is required, updated & condition resolved.
- Due Diligence XXXXXX-XX/XX/XXXX _xXXXX_
Resolved-Validation Resolved' - Due Diligence XXXXXX-XX/XX/XXXX _xXXXX_
Ready for Review-our borrower along with their wife owns “XXXXXXX XXXXXXXXXX XXX” together – not sure why a full access letter is needed since our borrower owns the business as well. Please clear. - Buyer-XX/XX/XXXX _xXXXX_
Open-The letter of explanation for the borrower's assets/reserves is missing. Please provide XXX or additional assets/reserves. Missing XXX for the full account access letter from owner of business as per provided bank statements. - Due Diligence XXXXXX-XX/XX/XXXX

_xXXXX_

XXXX

Investment

Refinance

No Cash Out - Borrower Initiated

XXXX

N/A

XXXX

305071414

Closed

2026-02-11 01:04

2026-02-24 06:35

Waived

2 - Non-Material

Credit

Eligibility

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

Waived-Exception approved- Audited Reserves of  XXXX month(s) are less than XXXXXXXXX Required Reserves of X month(s) assets provided in file $XXXXXXXX. - Due Diligence XXXXXX-XX/XX/XXXX _xXXXX_
Ready for Review-Document Uploaded.  - Buyer-XX/XX/XXXX _xXXXX_
Open-Audited Reserves of XXXX month(s) are less than XXXXXXXXX Required Reserves of X month(s) assets provided in file $XXXXXXXX  - Due Diligence XXXXXX-XX/XX/XXXX

_xXXXX_

Waived-Exception approved- Audited Reserves of XXXX month(s) are less than XXXXXXXXX Required Reserves of X month(s) assets provided in file $XXXXXXXX. - Due Diligence XXXXXX-XX/XX/XXXX_xXXXX_

XXXX

Investment

Refinance

No Cash Out - Borrower Initiated

XXXX

Investor Post-Close

XXXX

305089840

Closed

2026-02-13 03:16

2026-02-25 07:44

Resolved

1 - Information

Credit

Spousal Consent Missing

Resolved-In XX, XX, XX, XX, XX, XX, XX, when a personal guaranty is present, then evidence of spousal consent is also required. - Due Diligence XXXXXX-XX/XX/XXXX _xXXXX_
Open-In XX, XX, XX, XX, XX, XX, XX, when a personal guaranty is present, then evidence of spousal consent is also required. - Due Diligence XXXXXX-XX/XX/XXXX _xXXXX_
Resolved-Reviewed and resolved. - Due Diligence XXXXXX-XX/XX/XXXX _xXXXX_
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX _xXXXX_
Open-In XX, XX, XX, XX, XX, XX, XX, when a personal guaranty is present, then evidence of spousal consent is also required. Spousal consent is missing in file. (Document provided on page #XXX is not notarized). - Due Diligence XXXXXX-XX/XX/XXXX

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

Resolved-In XX, XX, XX, XX, XX, XX, XX, when a personal guaranty is present, then evidence of spousal consent is also required. - Due Diligence XXXXXX-XX/XX/XXXX _xXXXX_
Resolved-Reviewed and resolved. - Due Diligence XXXXXX-XX/XX/XXXX_xXXXX_

XXXX

Investment

Purchase

XXXX

N/A

XXXX

305089840

Closed

2026-02-13 05:10

2026-02-25 07:26

Resolved

1 - Information

Credit

Eligibility

Audited LTV Exceeds Guideline LTV

Resolved-Resolved. Signed and dated exception approval provided. - Due Diligence XXXXXX-XX/XX/XXXX

Open-Audited LTV of XX% exceeds XXXXXXXXX LTV of XX% - Due Diligence XXXXXX-XX/XX/XXXX

Resolved-Resolved. Signed and dated exception approval provided. - Due Diligence XXXXXX-XX/XX/XXXX

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

Open-The final LTV is XX%, exceeding the program’s XX% maximum for purchase transactions. The XXXX reflects a X% exception made by the originator; however, the file lacks supporting evidence of lender approval or a signed exception rationale. Provide documentation that includes the approving party’s name, title and date of approval. - Due Diligence XXXXXX-XX/XX/XXXX

Rescinded-Audited LTV Exceeds XXXXXXXXX LTV Audited LTV XX%, same as XXXXXXXXX LTV XX%. Rescinded. - Due Diligence XXXXXX-XX/XX/XXXX

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

Resolved-Resolved. Signed and dated exception approval provided. - Due Diligence XXXXXX-XX/XX/XXXX

Resolved-Resolved. Signed and dated exception approval provided. - Due Diligence XXXXXX-XX/XX/XXXX

Rescinded-Audited LTV Exceeds XXXXXXXXX LTV Audited LTV XX%, same as XXXXXXXXX LTV XX%. Rescinded. - Due Diligence XXXXXX-XX/XX/XXXX

XXXX

Investment

Purchase

XXXX

N/A

XXXX

305089840

Closed

2026-02-18 13:21

2026-02-24 15:54

Resolved

1 - Information

Credit

Title

Property Title Issue

Resolved-Verified transaction will be a double closing with XXX & XXXXX as the owner on the final title policy. Resolved. - Due Diligence XXXXXX-XX/XX/XXXX

Ready for Review-The prelim at docs will show the current owner is the builder as the double is concurrently closing. The final title policy will reflect XXX & XXXXX as the owner. - XXXXXX-XX/XX/XXXX

Open-Title currently vested should not match Title vested at close on purchase transaction Title currently vested on the Title Commitment reflects X X XXXXXX XXXXX XX, which is not the XXXXXX on the purchase contract with the Buyer. - Due Diligence XXXXXX-XX/XX/XXXX

Ready for Review-The prelim at docs will show the current owner is the builder as the double is concurrently closing. The final title policy will reflect XXX & XXXXX as the owner. - XXXXXX-XX/XX/XXXX

Resolved-Verified transaction will be a double closing with XXX & XXXXX as the owner on the final title policy. Resolved. - Due Diligence XXXXXX-XX/XX/XXXX

XXXX

Investment

Purchase

XXXX

N/A

XXXX

305089840

Closed

2026-02-14 15:14

2026-02-18 13:13

Resolved

1 - Information

Credit

Incomplete application

Resolved-Resolved. - Due Diligence XXXXXX-XX/XX/XXXX

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

Open-Provide the missing last (X) two pages of the borrower's application. - Due Diligence XXXXXX-XX/XX/XXXX

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

Resolved-Resolved. - Due Diligence XXXXXX-XX/XX/XXXX

XXXX

Investment

Purchase

XXXX

N/A

XXXX

305089840

Closed

2026-02-13 04:24

2026-02-17 13:38

Resolved

1 - Information

Credit

Missing Doc

Third Party Fraud Report not Provided

Resolved- - Due Diligence XXXXXX-XX/XX/XXXX

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

Open-Missing Third Party Fraud Report Missing Fraud Report in file. - Due Diligence XXXXXX-XX/XX/XXXX

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

XXXX

Investment

Purchase

XXXX

N/A

XXXX

305071486

Closed

2026-02-19 06:11

2026-03-19 01:08

Resolved

1 - Information

Credit

Eligibility

Business Entity EIN Number Missing

Resolved-Requested EIN number for Business Entity provided, updated & condition resolved. - Due Diligence XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. Please see the attached EIN - Buyer-XX/XX/XXXX

Open-Provide Business Entity EIN. - Due Diligence XXXXXX-XX/XX/XXXX

Resolved-Requested EIN number for Business Entity provided, updated & condition resolved. - Due Diligence XXXXXX-XX/XX/XXXX

XXXX

Investment

Refinance

Cash Out - Other

XXXX

N/A

XXXX

305027074

Closed

2026-02-18 02:53

2026-03-04 03:44

Resolved

1 - Information

Credit

Certificate of Corp./LLC Formation or Articles of Organization not in file

Resolved-Business formation documents to verify the business uploaded, Verified - Resolved - Due Diligence XXXXXX-XX/XX/XXXX

Ready for Review-See attached Certificate of Corp./LLC Formation or Articles of Organization not in file -- Provide Articles of Association, XXX or Operating Agreement Missing in File unable to verify borrowers ownership percentage in Business. - Due Diligence XXXXXX-XX/XX/XXXX

Open-Provide Articles of Association, XXX or Operating Agreement Missing in File unable to verify borrowers ownership percentage in Business. - Due Diligence XXXXXX-XX/XX/XXXX

Resolved-Business formation documents to verify the business uploaded, Verified - Resolved - Due Diligence XXXXXX-XX/XX/XXXX

XXXX

Primary Residence

Purchase

XXXX

N/A

XXXX

305027074

Closed

2026-02-18 02:21

2026-03-04 03:43

Resolved

1 - Information

Credit

Missing Doc

1008 Document is Missing

Resolved-XXXX Document uploaded, Verified & entered in system - Resolved
- Due Diligence XXXXXX-XX/XX/XXXX

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

Ready for Review-XXXX attached - Due Diligence XXXXXX-XX/XX/XXXX

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

Resolved-XXXX Document uploaded, Verified & entered in system - Resolved
- Due Diligence XXXXXX-XX/XX/XXXX

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

XXXX

Primary Residence

Purchase

XXXX

N/A

XXXX

305071535

Closed

2026-02-23 02:03

2026-03-05 10:55

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 Citizenship Identification Documentation Missing

Resolved-Lender provided Notice of Action documents and GLs confirming Notice of action is sufficient to serve as Identification. Finding resolved. - Due Diligence XXXXXX-XX/XX/XXXX

Resolved-Validation Resolved or Not Applicable - Due Diligence XXXXXX-XX/XX/XXXX

Ready for Review-Please see snippet from guidelines which state approved IXXX can be used as alternative documentation. - Due Diligence XXXXXX-XX/XX/XXXX

Counter-Borrower Passport/Visa is also required with I-XXX document. Finding countered. - Due Diligence XXXXXX-XX/XX/XXXX

Ready for Review-Please see Borrower Residency documentation - Due Diligence XXXXXX-XX/XX/XXXX

Open-Borrower X Non-US Citizen Identification Document Missing. Please provide acceptable documentation. Borrower X Citizenship Identification Documentation Missing. Required Passport or Visa - Due Diligence XXXXXX-XX/XX/XXXX

XXXX

Investment

Refinance

Cash Out - Other

XXXX

N/A

XXXX

305089832

Closed

2026-02-20 07:28

2026-02-27 03:39

Resolved

1 - Information

Compliance

Missing Doc

Final HUD-1 or Final Settlement Statement Document is Missing

Resolved-Emd not reflcting in hud-X in file, Provided updated Settlement statement, changes made in system, Finding Resolved - Due Diligence XXXXXX-XX/XX/XXXX

Resolved-Final HUD-X Document is Present or Not Applicable - Due Diligence XXXXXX-XX/XX/XXXX

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

Open-Final HUD-X Document is Missing. The HUD provided does not reflect the $XX,XXX earnest money deposit. Per the sales contract, the initial deposit is $XX,XXX and must be shown on the settlement statement. Please provide an updated HUD-X or Closing Disclosure that reflects the $XX,XXX EMD.
- Due Diligence XXXXXX-XX/XX/XXXX

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

XXXX

Investment

Purchase

XXXX

N/A

XXXX

305089832

Closed

2026-02-20 07:49

2026-02-26 06:24

Waived

2 - Non-Material

Credit

Eligibility

Audited LTV Exceeds Guideline LTV

Waived-Exception was provided for the LTV of XX% dated X/XX/XXXX. - Due Diligence XXXXXX-XX/XX/XXXX

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

Open-Audited LTV of XX% exceeds XXXXXXXXX LTV of XX% The final LTV is XX%, which is within the program’s XX% maximum for purchase transactions. However, the file does not contain documentation showing lender approval of the XX% LTV or any signed exception rationale. Please provide underwriting documentation or an approved exception confirming acceptance of the XX% LTV. - Due Diligence XXXXXX-XX/XX/XXXX

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

Waived-Exception was provided for the LTV of XX% dated X/XX/XXXX. - Due Diligence XXXXXX-XX/XX/XXXX

XXXX

Investment

Purchase

XXXX

Originator Pre-Close

Yes

XXXX

305071502

Closed

2026-02-19 23:37

2026-03-19 01:06

Resolved

1 - Information

Credit

Title

Title Coverage is Less than Subject Lien(s) Total

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

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

Ready for Review-Document Uploaded. Please see the attached title. - Buyer-XX/XX/XXXX

Open-Title Coverage Amount of $XXXXXX is Less than Loan Amount Coverage Amount of title is $XXX,XXX which is less than the loan amount of $XXX,XXX, need updated title with coverage amount of $XXX,XXX. - Due Diligence Vendor-XX/XX/XXXX

XXXX

Investment

Refinance

No Cash Out - Borrower Initiated

XXXX

N/A

XXXX

305071502

Closed

2026-02-19 23:53

2026-03-11 00:23

Resolved

1 - Information

Credit

Spousal Consent Missing

Resolved-Spousal Consent is not Required on Business Entity loans, Hence Finding Resolved - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-A spousal guaranty is no longer required to be signed in the following states: XX, XX, XX, XX, XX, XX, and XX. - Buyer-XX/XX/XXXX

Open-In XX, XX, XX, XX, XX, XX, XX, when a personal guaranty is present, then evidence of spousal consent is also required. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Spousal Consent is not Required on Business Entity loans, Hence Finding Resolved - Due Diligence Vendor-XX/XX/XXXX

XXXX

Investment

Refinance

No Cash Out - Borrower Initiated

XXXX

N/A

XXXX

305089830

Closed

2026-02-22 09:47

2026-03-02 07:30

Resolved

1 - Information

Credit

Eligibility

Audited LTV Exceeds Guideline LTV

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

Resolved-Verified signed, approved exception. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. exception was approved for XX% LTV - Seller-XX/XX/XXXX

Open-Audited LTV of XX% exceeds Guideline LTV of XX% As per XX/XX/XXXX Guideline matrix, the max allowable LTV is XX% for Interest only rate with cash-out refinance, whereas the qualifying or calculated LTV is XX%, which is exceeding guideline limits. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. exception was approved for XX% LTV - Seller-XX/XX/XXXX

Resolved-Verified signed, approved exception. - Due Diligence Vendor-XX/XX/XXXX

XXXX

Investment

Refinance

Cash Out - Other

XXXX

N/A

XXXX

305077654

Closed

2026-02-24 13:25

2026-02-26 08:53

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 Photo Identification Type Missing

Resolved-Validation Resolved or Not Applicable - Due Diligence Vendor-XX/XX/XXXX

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

Open-Borrower X Photo Identification Missing. Please provide valid photo identification per guideline requirements. Missing Photo Identification. - Due Diligence Vendor-XX/XX/XXXX

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

Resolved-Validation Resolved or Not Applicable - Due Diligence Vendor-XX/XX/XXXX

XXXX

Investment

Refinance

No Cash Out - Borrower Initiated

XXXX

N/A

XXXX

305077654

Closed

2026-02-24 13:21

2026-02-26 01:35

Resolved

1 - Information

Credit

Eligibility

Ineligible Housing History per program guidelines

Resolved-Borrower is only on title and is not personally obligated on the XXXXXXXXXX Mortgage #XXXX secured by XXXXX XXXXXXXXXXXX XXXX XXXXXXXX XX and mortgage statement uploaded to verify the borrower is not on the loan, Verified - Resolved  - Due Diligence Vendor-XX/XX/XXXX

Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-XX/XX/XXXX

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

Open-Housing History Does Not Meet Guideline Requirements Guidelines Page XX Housing payment history is required for all Real Estate Owned evidencing the payment activity for the most recent XX months. Missing payment history for XXXXXXXXXX Mortgage xxXXXX  secured by XXXXX XXXXXXXXXXXX XXXX XXXXXXXX XX. - Due Diligence Vendor-XX/XX/XXXX

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

XXXX

Investment

Refinance

No Cash Out - Borrower Initiated

XXXX

N/A

XXXX

305085876

Closed

2026-02-20 03:47

2026-02-27 01:14

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 3rd Party VOE Prior to Close Missing

Resolved-Requested Xrd party VOE provided, updated & condition resolved.
- Due Diligence Vendor-XX/XX/XXXX

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

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

Open-Borrower X Xrd Party VOE Prior to Close Missing Borrower X VOE is missing in file. - Due Diligence Vendor-XX/XX/XXXX

XXXX

Second Home

Purchase

XXXX

N/A

XXXX

305077663

Closed

2026-02-24 13:31

2026-02-26 06:52

Resolved

1 - Information

Credit

Income

Loan files does not contain the required income documentation.

Resolved-License verification provided. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. XXX business license search / active - Seller-XX/XX/XXXX

Open-Per lender guideline, provide a required copy of a current/active license or certification for the preparer of the business Profit and Loss Statement. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. XXX business license search / active - Seller-XX/XX/XXXX

Resolved-License verification provided. - Due Diligence Vendor-XX/XX/XXXX

XXXX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

XXXX

N/A

XXXX

305077663

Closed

2026-02-26 12:14

2026-02-26 12:44

Resolved

1 - Information

Compliance

Interest:Accrual

California - Interest Rate Accrual Warning (Civ. Code)

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

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

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

XXXX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

XXXX

N/A

XXXX

305071384

Closed

2026-02-21 21:17

2026-02-26 01:04

Resolved

1 - Information

Credit

Missing Doc

Business Purpose Affidavit is Missing

Resolved-Initial Bpa is missing in file, provided the same, changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX

Resolved-The Business Purpose Affidavit is present or Not Applicable (XXXX Page Loan Type is XXXX.) - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Initial BPA uploaded for review. Sorry, the document is labeled wrong, but it is the correct document. - Buyer-XX/XX/XXXX

Open-The XXXX Page Loan Type is 'XXXX' but the Business Purpose Affidavit Disclosure Indicator on the XXXX is 'Missing', and on the Business Purpose VX Page is 'Missing'. Business Purpose Affidavit is required for a XXXX loan. Initial Business Purpose Affidavit Disclosure is missing in loan file. - Due Diligence Vendor-XX/XX/XXXX

XXXX

Investment

Purchase

XXXX

N/A

XXXX

305077658

Closed

2026-02-23 02:05

2026-02-26 08:44

Waived

2 - Non-Material

Credit

Eligibility

Audited LTV Exceeds Guideline LTV

Waived-Exception Approved Rate & Term Refinance LTV XX%. - Due Diligence Vendor-XX/XX/XXXX

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

Open-Audited LTV Exceeds Guideline LTV Audited LTV XX% exceeds Matrix dated XX/XX/XXXX Maximum LTV XX% for FICO XXX Rate and Term Refinance. Pending Exception. - Due Diligence Vendor-XX/XX/XXXX

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

Waived-Exception Approved Rate & Term Refinance LTV XX%. - Due Diligence Vendor-XX/XX/XXXX

XXXX

Investment

Refinance

No Cash Out - Borrower Initiated

XXXX

Investor Post-Close

XXXX

305077662

Closed

2026-02-24 12:45

2026-02-26 07:12

Resolved

1 - Information

Compliance

Missing Doc

TRID: Missing Initial Closing Disclosure

Resolved-Entered the initial closing cd in the trid screen and ran XXXX.  - XXX XXXXXXXXX XXXX-XX/XX/XXXX _xXXXXX_
Ready for Review-Document Uploaded.  - XXXXXX-XX/XX/XXXX _xXXXXX_
Open-TRID: Missing Closing Disclosure Unable to locate the initial closing disclosure, therefore unable to run compliance.  - XXX XXXXXXXXX XXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX_xXXXXX_

Resolved-Entered the initial closing cd in the trid screen and ran XXXX. - XXX XXXXXXXXX XXXX-XX/XX/XXXX_xXXXXX_

XXXX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

XXXX

N/A

XXXX

305077662

Closed

2026-02-22 23:18

2026-02-25 21:58

Resolved

1 - Information

Compliance

Missing Doc

TRID: Missing Loan Estimate

Resolved-Initial LE is missing in file, provided the same, changes made in system, Finding Resolved - XXX XXXXXXXXX XXXX-XX/XX/XXXX _xXXXXX_
Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX _xXXXXX_
Open-Unable to locate the initial loan estimate, therefore unable to run compliance. - XXX XXXXXXXXX XXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX_xXXXXX_

Resolved-Initial LE is missing in file, provided the same, changes made in system, Finding Resolved - XXX XXXXXXXXX XXXX-XX/XX/XXXX_xXXXXX_

XXXX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

XXXX

N/A

XXXX

305089831

Closed

2026-02-22 23:57

2026-02-25 13:15

Resolved

1 - Information

Compliance

Closing

Final HUD-1 Closing Date does not match Transaction Date

Resolved-Updated/Corrected HUD received. System updated. - XXX XXXXXXXXX XXXX-XX/XX/XXXX _xXXXXX_
Ready for Review-Document Uploaded. FINAL HUD / sign date X/X and disb X/X/XXXX - XXXXXX-XX/XX/XXXX _xXXXXX_
Open-Final HUD-X Closing Date of XX-XX-XXXX is not the same date as the Notary Acknowledgement Date of XX-XX-XXXX. HUD Settlement date XX/XX/XXXX; The disbursement date is XX/XX/XXXX; The Notary date is XX/XX/XX. The loan was disbursed before the loan closed. - XXX XXXXXXXXX XXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. FINAL HUD / sign date X/X and disb X/X/XXXX - XXXXXX-XX/XX/XXXX_xXXXXX_

Resolved-Updated/Corrected HUD received. System updated. - XXX XXXXXXXXX XXXX-XX/XX/XXXX_xXXXXX_

XXXX

Investment

Refinance

Cash Out - Other

XXXX

N/A

XXXX

305077652

Closed

2026-02-22 23:11

2026-02-25 03:02

Resolved

1 - Information

Credit

Missing Doc

1008 Document is Missing

Resolved-Updated XXXX Document uploaded, Verified & entered in system - Resolved
- XXX XXXXXXXXX XXXX-XX/XX/XXXX _xXXXXX_
Resolved-The XXXX document is present in the loan file. - XXX XXXXXXXXX XXXX-XX/XX/XXXX _xXXXXX_
Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX _xXXXXX_
Open-The XXXX document is missing from the loan file. Provide updated XXXX as the provided one on page XXX
X. HTI and DTI not reflecting our calculated HTI is XX.XX% and DTI is XX.XX%
X. All other monthly payment not reflecting our calculated all other monthly payment is $XXXX
X. Income for BX not reflecting under income section, calculated income for P&L is $XXXX.XX
X. Reflecting only X borrower name, Co-Borrower name reflecting under Borrower Name.
- XXX XXXXXXXXX XXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX_xXXXXX_

XXXX

Primary Residence

Refinance

Cash Out - Other

XXXX

N/A

XXXX

305077652

Closed

2026-02-22 23:45

2026-02-24 08:31

Resolved

1 - Information

Compliance

HigherPriced:APR

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

_xXXXXX_

XXXX

Primary Residence

Refinance

Cash Out - Other

XXXX

N/A

XXXX

305077652

Closed

2026-02-22 23:45

2026-02-24 08:31

Resolved

1 - Information

Compliance

HigherPriced:APR

California - Higher Priced Mortgage Loan (First Lien 06/2013)(Conforming)

Resolved-This is a XXXXXXXXXX Higher-Priced Mortgage Loan (HPML). The loan's APR of (X.XXX%) equals or exceeds the XXXXXXXXXX HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (X.XX%).(Cal. Fin. Code XXXX(a); XX CFR XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg #XXX,XXX and the Final Closing disclosure on Pg #XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg #XXX,XXX. An interior and exterior appraisal was completed for this property – see Pg #XX, the appraisal disclosure was provided to the borrower Pg and confirmation the appraisal was delivered to the borrower – see Pg #XXX,XXX,XXX,XXX,XXX. The loan meets HPML guidelines, resolved.
- XXX XXXXXXXXX XXXX-XX/XX/XXXX _xXXXXX_
Open- - XXX XXXXXXXXX XXXX-XX/XX/XXXX _xXXXXX_
Open- - XXX XXXXXXXXX XXXX-XX/XX/XXXX _xXXXXX_
Open- - XXX XXXXXXXXX XXXX-XX/XX/XXXX _xXXXXX_
Open- - XXX XXXXXXXXX XXXX-XX/XX/XXXX

_xXXXXX_

XXXX

Primary Residence

Refinance

Cash Out - Other

XXXX

N/A

XXXX

305071457

Closed

2026-02-25 06:23

2026-02-26 14:58

Waived

2 - Non-Material

Credit

Eligibility

Non-Arm's Length Transactions Not Allowed for Program

Waived-XXXXXX provided approved exception in file, p. XXXX, for NAL, buyer related to realtor due to acting as own realtor in DSCR transaction. Buyer acting as own realtor was fully disclosed. No apparent relationship between buyer and seller. Seller still has own Real Estate Attorney on contract. Finding waived. - XXX XXXXXXXXX XXXX-XX/XX/XXXX

_xXXXXX_

XXXX

Investment

Purchase

XXXX

Originator Pre-Close

Yes

XXXX

305071500

Closed

2026-02-25 00:53

2026-03-24 11:31

Resolved

1 - Information

Credit

Missing Doc

The letter of explanation for the borrower's assets/reserves is missing

Resolved-Lox is missed for access to use business bank statement where the business name of XX XXXXX XXXX XX on bank statement is not the business provided in entity XXXX as XXXXXX XXXXXX XXX, , provided Lox and articles of org stating change of Business name from XX XXXXX to XXXXXX XXXXXX XXX, Changes made in system, Finding Resolved - XXX XXXXXXXXX XXXX-XX/XX/XXXX _xXXXXX_
Resolved-Validation Resolved' - XXX XXXXXXXXX XXXX-XX/XX/XXXX _xXXXXX_
Ready for Review-Document Uploaded. Please see the attached State of XXXXXXX documentation confirming that the LLC name has changed from XX XXXXX XXXX XX XXXXXXXXX XXX to XXXXXX XXXXXX XXX.

Additionally, the operating agreement for XXXXXX XXXXXX XXX confirms that the borrower holds XXX% ownership of the LLC. Therefore, no additional letter is required, as the borrower is the sole owner - XXXXX-XX/XX/XXXX _xXXXXX_
Open-The letter of explanation for the borrower's assets/reserves is missing. Please provide LOE or additional assets/reserves. Missing borrower lox to use funds from bank of XXXXXXX acct#XXXX as it is with XX XXXXX XXXX XX XXXXXXXXX XXX business name. - XXX XXXXXXXXX XXXX-XX/XX/XXXX

_xXXXXX_

XXXX

Investment

Purchase

XXXX

N/A

XXXX

305071500

Closed

2026-02-25 00:32

2026-03-24 11:31

Resolved

1 - Information

Credit

Eligibility

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

Resolved-XXXXXX provided Final CD from refinance confirming borrower receiving funds to apply to closing. Finding resolved. - XXX XXXXXXXXX XXXX-XX/XX/XXXX _xXXXXX_
Ready for Review-Document Uploaded. “Please see the attached screenshot of the assets screen for this loan. The borrower has $XX,XXX.XX in assets across checking and savings accounts. In addition, the borrower received $XX,XXX in proceeds from a refinance completed with us.

Please refer to the final Closing Disclosure from that transaction, which confirms the borrower received $XX,XXX. This results in total available funds of $XX,XXX.XX. After accounting for the cash-to-close amount of $XX,XXX.XX, the borrower has a remaining balance of $XX,XXX.XX.

Based on a monthly obligation of $X,XXX.XX, this equates to approximately X.XX months of reserves. - XXXXX-XX/XX/XXXX _xXXXXX_
Open-Audited Reserves of month(s) are less than Guideline Required Reserves of X month(s) The required total reserves is $X,XXX.XX $ (PITI $X,XXX.XX*X) and Total cash required to closing is $XX,XXX.XX, whereas we have the total verified assets is $XX,XXX.XX, which is not sufficient to cover required Liquid Funds Post Close. The proof of Proceeds from secured loan of $XX,XXX is missing as mentioned on the Final XXXX.
- XXX XXXXXXXXX XXXX-XX/XX/XXXX

_xXXXXX_

Resolved-XXXXXX provided Final CD from refinance confirming borrower receiving funds to apply to closing. Finding resolved. - XXX XXXXXXXXX XXXX-XX/XX/XXXX_xXXXXX_

XXXX

Investment

Purchase

XXXX

N/A

XXXX

305071409

Closed

2026-02-26 00:20

2026-03-05 08:03

Resolved

1 - Information

Credit

Insurance

Hazard Insurance Effective Date is after the Note Date

Resolved-The client has provided the previous insurance policy confirming coverage. Finding resolve. - XXX XXXXXXXXX XXXX-XX/XX/XXXX _xXXXXX_
Ready for Review-Document Uploaded. Please see attached previous insurance policy. - XXXXX-XX/XX/XXXX _xXXXXX_
Open-Hazard Insurance Effective Date of XX-XX-XXXX is after the Note Date of XX-XX-XXXX without evidence of previous policy provided in file. - XXX XXXXXXXXX XXXX-XX/XX/XXXX

_xXXXXX_

Resolved-The client has provided the previous insurance policy confirming coverage. Finding resolve. - XXX XXXXXXXXX XXXX-XX/XX/XXXX_xXXXXX_

XXXX

Investment

Refinance

No Cash Out - Borrower Initiated

XXXX

N/A

XXXX

305071409

Closed

2026-02-25 21:41

2026-03-03 01:29

Resolved

1 - Information

Credit

Spousal Consent Missing

Resolved-Spousal consent is not required for Business Entity loans, Hence Finding Resolved - Due Diligence XXXXXX-XX/XX/XXXX

Ready for Review-This is not required for XXXXXX XXX loans, please rescind. - Buyer-XX/XX/XXXX

Open-In XX, XX, XX, XX, XX, XX, XX, when a personal guaranty is present, then evidence of spousal consent is also required. Spousal Consent Missing - Due Diligence XXXXXX-XX/XX/XXXX

Resolved-Spousal consent is not required for Business Entity loans, Hence Finding Resolved - Due Diligence XXXXXX-XX/XX/XXXX

XXXX

Investment

Refinance

No Cash Out - Borrower Initiated

XXXX

N/A

XXXX

305071409

Closed

2026-02-26 02:02

2026-03-02 14:49

Acknowledged

2 - Non-Material

Compliance

Missing Doc

The Final 1003 is Missing

Acknowledged-XX Acknowledges - Due Diligence XXXXXX-XX/XX/XXXX

Unable to Resolve-Unable to Resolve-XX Agrees to waive; please downgrade to a Non-Material Grade X - Buyer-XX/XX/XXXX

Open-The Final XXXX is Missing Final XXXX for XXX is missing in file.
- Due Diligence XXXXXX-XX/XX/XXXX

Acknowledged-XX Acknowledges - Due Diligence XXXXXX-XX/XX/XXXX

XXXX

Investment

Refinance

No Cash Out - Borrower Initiated

XXXX

Investor Post-Close

XXXX

305071509

Closed

2026-02-27 06:57

2026-03-03 16:10

Waived

2 - Non-Material

Credit

Eligibility

Housing History Does Not Meet Guideline Requirements

Waived-Lender provided approved exception in file, p. XXXX, Approved to allow X mortgage lates in past XX months, LOE provided by borrower and lender regarding ACH issue. Finding waived. - Due Diligence XXXXXX-XX/XX/XXXX

XXXX

Investment

Refinance

No Cash Out - Borrower Initiated

XXXX

Originator Pre-Close

Yes

XXXX

305082529

Closed

2026-02-26 21:58

2026-03-05 10:59

Acknowledged

2 - Non-Material

Credit

Missing Doc

Business Purpose Affidavit is Missing

Acknowledged-XX Acknowledges - Due Diligence XXXXXX-XX/XX/XXXX

Unable to Resolve-Adding comp factors - Due Diligence XXXXXX-XX/XX/XXXX

Unable to Resolve-Unable to Resolve-XX Agrees to waive; please downgrade to a Non-Material Grade X. - Buyer-XX/XX/XXXX

Open-The XXXX Page Loan Type is 'XXXX' but the Business Purpose Affidavit Disclosure Indicator on the XXXX is 'Missing', and on the Business Purpose VX Page is 'Missing'. Business Purpose Affidavit is required for a XXXX loan. Initial Business Purpose Affidavit is missing - Due Diligence XXXXXX-XX/XX/XXXX

Acknowledged-XX Acknowledges - Due Diligence XXXXXX-XX/XX/XXXX

XXXX

Investment

Refinance

Cash Out - Other

XXXX

Investor Post-Close

XXXX

305082529

Closed

2026-03-03 06:10

2026-03-05 05:20

Resolved

1 - Information

Compliance

Disclosure

Data Discrepancy: Prepayment Penalty on Closing Disclosure Incorrect

Resolved-Updated XXX provided and PPP correct. Resolved - Due Diligence XXXXXX-XX/XX/XXXX

Ready for Review-Updated XXX provided and PPP correct. Resolved - Due Diligence XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. page X says "yes" to prepayment penalty and has accurate prepayment amount. - Buyer-XX/XX/XXXX

Open-Prepayment Penalty on Closing Disclosure does not match the prepayment penalty calculation on the Note. XXX shows no Prepayment penalty however there is a X year PPP on this file. - Due Diligence XXXXXX-XX/XX/XXXX

Resolved-Updated XXX provided and PPP correct. Resolved - Due Diligence XXXXXX-XX/XX/XXXX

XXXX

Investment

Refinance

Cash Out - Other

XXXX

N/A

XXXX

305045274

Closed

2026-03-01 23:18

2026-03-05 07:13

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 Credit Report is Missing

Resolved-Document clears the finding. - Due Diligence XXXXXX-XX/XX/XXXX

Ready for Review-Credit Report - Due Diligence XXXXXX-XX/XX/XXXX

Counter-The actual credit is missing from the file to validate all the credit liabilities. - Due Diligence XXXXXX-XX/XX/XXXX

Ready for Review-Credit Report

- Due Diligence XXXXXX-XX/XX/XXXX

Open-Borrower X Credit Report is Missing. - Due Diligence XXXXXX-XX/XX/XXXX

Resolved-Document clears the finding. - Due Diligence XXXXXX-XX/XX/XXXX

XXXX

Primary Residence

Purchase

XXXX

N/A

XXXX

305089819

Closed

2026-03-04 12:27

2026-03-11 13:11

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 CPA Letter Missing

Resolved-Borrower X XXX Letter Provided - Due Diligence XXXXXX-XX/XX/XXXX

Resolved-Required document received. - Due Diligence XXXXXX-XX/XX/XXXX

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

Open-Borrower X XXX Letter Missing Per lender guideline, provide a required copy of a current/active license or certification for the preparer of the business Profit and Loss Statement. - Due Diligence XXXXXX-XX/XX/XXXX

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

Resolved-Borrower X XXX Letter Provided - Due Diligence XXXXXX-XX/XX/XXXX

Resolved-Required document received. - Due Diligence XXXXXX-XX/XX/XXXX

XXXX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

XXXX

N/A

XXXX

305089819

Closed

2026-03-02 23:39

2026-03-11 12:59

Resolved

1 - Information

Compliance

Missing Doc

The Final 1003 is Incomplete

Resolved-Income Mis match from XXXX to calculated income, provided updated XXXX, changes made in system, Finding Resolved - Due Diligence XXXXXX-XX/XX/XXXX

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

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

Open-The Final XXXX is Incomplete Calculated income is $XX,XXX matching with XXXX whereas XXXX reflects $X,XXX same as initial XXXX. Provide updated XXXX to reflect income as $XX,XXX. - Due Diligence XXXXXX-XX/XX/XXXX

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

XXXX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

XXXX

N/A

XXXX

305089819

Closed

2026-03-02 23:30

2026-03-05 01:45

Resolved

1 - Information

Credit

Missing AUS/Loan Approval

Resolved-Loan Approval Form uploaded, Verified & entered in system - Resolved
- Due Diligence XXXXXX-XX/XX/XXXX

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

Open-Provide loan approval missing in loan file - Due Diligence XXXXXX-XX/XX/XXXX

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

Resolved-Loan Approval Form uploaded, Verified & entered in system - Resolved
- Due Diligence XXXXXX-XX/XX/XXXX

XXXX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

XXXX

N/A

XXXX

305071411

Closed

2026-03-02 22:07

2026-03-10 11:15

Acknowledged

2 - Non-Material

Credit

Missing Doc

Business Purpose Affidavit is Missing

Acknowledged-XX Acknowledges - Due Diligence XXXXXX-XX/XX/XXXX

Unable to Resolve-Unable to Resolve-XX Agrees to waive; please downgrade to a Non-Material Grade X. - Buyer-XX/XX/XXXX

Counter-Application and lock are dated prior to X.X.XX, GL used for this loan would be those issued on X.X.XX, which required the XXX - Due Diligence XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. see updated guidelines. The initial XXX is no longer required. - Buyer-XX/XX/XXXX

Open-The XXXX Page Loan Type is 'XXXX' but the Business Purpose Affidavit Disclosure Indicator on the XXXX is 'Missing', and on the Business Purpose VX Page is 'Missing'. Business Purpose Affidavit is required for a XXXX loan. Initial Business Purpose Affidavit is Missing
- Due Diligence XXXXXX-XX/XX/XXXX

Acknowledged-XX Acknowledges - Due Diligence XXXXXX-XX/XX/XXXX

XXXX

Investment

Refinance

Cash Out - Other

XXXX

Investor Post-Close

XXXX

305089815

Closed

2026-03-06 05:38

2026-03-17 09:46

Resolved

2 - Non-Material

Compliance

TRID Tolerance

Insufficient Change of Circumstance (50001252)

Resolved-Revised LE and the COC were provided. Trid disclosure screen has been updated. - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX

Open- - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX

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

Counter- - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX

Ready for Review-It appears that we have a COC in the file for changes that were made after the initial LE was provided. Therefore we are missing the revised LE. Date of redisclosure on the COC was X/X/XXXX and was for re-inspection fee, appraisal fee and Xnd appraisal fee. Also missing the COC for the prepaid interest. Please provide the revised LE, the COC for the prepaid interest. - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX

Ready for Review-not sure where the fees increased. the initial LE dated X/XX had the fees listed and the fees were kept on through the closing CD? - XXXXXX-XX/XX/XXXX

Open-COC provided in file cannot be utilized as it is dated on XX.XX.XXXX & Final CD dated on XX.XX.XXXX with fee increase. - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX

Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Appraisal Fee, Document Preparation Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (XX XXX XXXXX.XX(e)(X); XX XXX XXXXX.XX(e)(X); XX XXX XXXXX.XX(f)(X)(v)). - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX

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

Ready for Review-not sure where the fees increased. the initial LE dated X/XX had the fees listed and the fees were kept on through the closing CD? - XXXXXX-XX/XX/XXXX

Resolved-Revised LE and the COC were provided. Trid disclosure screen has been updated. - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX

XXXX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

XXXX

N/A

XXXX

305089815

Closed

2026-03-06 05:38

2026-03-17 09:44

Resolved

2 - Non-Material

Compliance

XXXX

Tolerance: Disclosure

Resolved-Revised LE and the COC were provided. Trid disclosure screen has been updated. - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX

Resolved- - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX

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

Counter-It appears that we have a COC in the file for changes that were made after the initial LE was provided. Therefore we are missing the revised LE. Date of redisclosure on the COC was X/X/XXXX and was for re-inspection fee, appraisal fee and Xnd appraisal fee. Also missing the COC for the prepaid interest. Please provide the revised LE, the COC for the prepaid interest.  - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX

Ready for Review-Not picking up on the discrepancy.  The LE's dated X/XX and X/X reflect the XXX fee and the initial CD and final CD reflect the XXX fee.  there was no increase? - XXXXXX-XX/XX/XXXX

Open-COC provided in file cannot be utilized as it is dated on XX.XX.XXXX & Final CD dated on XX.XX.XXXX with fee increase. - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX

Open-There are ($XXX.XX) of fees paid to a third-party provider disclosed under Section A "Origination Charges". Under Regulation Z, charges included under the subheading "Origination Charges" on the Loan Estimate and Closing Disclosure are those charges paid to the creditor and the mortgage broker (if applicable) for originating and extending the credit. (XX XXX XXXXX.XX(f)(X); XX XXX XXXXX.XX(f)(X)) - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX

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

Ready for Review-Not picking up on the discrepancy. The LE's dated X/XX and X/X reflect the XXX fee and the initial CD and final CD reflect the XXX fee. there was no increase? - XXXXXX-XX/XX/XXXX

Resolved-Revised LE and the COC were provided. Trid disclosure screen has been updated. - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX

XXXX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

XXXX

N/A

XXXX

305089815

Closed

2026-03-03 04:08

2026-03-17 06:12

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 CPA Letter Missing

Resolved-Borrower X CPA Letter Provided - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX

Resolved-CPA Letter provided. - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX

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

Open-Borrower X CPA Letter Missing The underwriting notes indicate that a CPA prepared XX months of business Profit and Loss statements. The CPA letter is missing from the loan file and must be provided. The letter should attest that the CPA has audited the business financial statements and the borrower’s most recent business tax return, in accordance with XXXXXXXXX requirements. - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX

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

Resolved-Borrower X CPA Letter Provided - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX

Resolved-CPA Letter provided. - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX

XXXX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

XXXX

N/A

XXXX

305089815

Closed

2026-03-03 04:08

2026-03-17 06:12

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 YTD Profit & Loss Missing

Resolved-Borrower X YTD Profit & Loss Provided - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX

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

Open-Borrower X YTD Profit & Loss Missing The Business Profit and Loss statement prepared by a CPA is absent from the loan file and must be provided. - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX

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

Resolved-Borrower X YTD Profit & Loss Provided - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX

XXXX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

XXXX

N/A

XXXX

305089815

Closed

2026-03-03 05:11

2026-03-06 07:24

Resolved

1 - Information

Compliance

Missing Doc

TRID: Missing Initial Closing Disclosure

Resolved-The initial closing disclosure was provided, the disclosure screen was updated and compliance was reran. - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX

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

Open-TRID: Missing Closing Disclosure The initial closing disclosure is missing from the file. Must have that in file for compliance. - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX

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

Resolved-The initial closing disclosure was provided, the disclosure screen was updated and compliance was reran. - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX

XXXX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

XXXX

N/A

XXXX

305089816

Closed

2026-03-03 01:16

2026-03-11 13:05

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 CPA Letter Missing

Resolved-Profit/Loss preparer attestation form uploaded, Verified & entered in system - Resolved
- XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX

Resolved-Borrower X CPA Letter Provided - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX

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

Open-Borrower X CPA Letter Missing The underwriting notes indicate a CPA prepared XX months of business P&Ls. The required CPA letter is missing and must confirm the CPA audited the business financial statements and the borrower’s most recent business tax return per XXXXXXXXXX. - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX

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

XXXX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

XXXX

N/A

XXXX

305089816

Closed

2026-03-03 01:16

2026-03-11 13:05

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 YTD Profit & Loss Missing

Resolved-Borrower X YTD Profit & Loss uploaded, Verified & entered in system - Resolved
- XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX

Resolved-Borrower X YTD Profit & Loss Provided - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. This was in the file - XXXXXX-XX/XX/XXXX

Open-Borrower X YTD Profit & Loss Missing The Business Profit and Loss statement prepared by a CPA is absent from the loan file and must be provided. - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. This was in the file - XXXXXX-XX/XX/XXXX

XXXX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

XXXX

N/A

XXXX

305089816

Closed

2026-03-03 04:23

2026-03-05 02:56

Resolved

1 - Information

Compliance

Missing Doc

TRID: Missing Initial Closing Disclosure

Resolved-Initial closing disclosure document provided. Updated. XXXX Successful. Resolved.
- XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. This was in the file - XXXXXX-XX/XX/XXXX

Open-TRID: Missing Closing Disclosure The initial CD is missing from the file. Please provide. - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. This was in the file - XXXXXX-XX/XX/XXXX

Resolved-Initial closing disclosure document provided. Updated. XXXX Successful. Resolved.
- XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX

XXXX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

XXXX

N/A

XXXX

305089816

Closed

2026-03-04 09:16

2026-03-05 02:55

Resolved

1 - Information

Compliance

TRID

Federal - Closing Disclosure and Consummation Date

Resolved-Resolved - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. This was in the file - XXXXXX-XX/XX/XXXX

Open-Missing Initial CD. Once received will rerun Compliance. - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX

Open- - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. This was in the file - XXXXXX-XX/XX/XXXX

Resolved-Resolved - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX

XXXX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

XXXX

N/A

XXXX

305089826

Closed

2026-03-05 06:41

2026-03-06 14:09

Resolved

1 - Information

Compliance

Missing Doc

TRID: Missing Initial Closing Disclosure

Resolved-Document received. - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX

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

Open-TRID: Missing Closing Disclosure Unable to locate the initial closing disclosure in the file. Unable to run compliance. - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX

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

Resolved-Document received. - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX

XXXX

Primary Residence

Purchase

XXXX

N/A

XXXX

305089826

Closed

2026-03-05 06:42

2026-03-06 14:08

Resolved

1 - Information

Compliance

Missing Doc

TRID: Missing Loan Estimate

Resolved-Document received. - XXX XXXXXXXXX XXXX-XX/XX/XXXX

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

Open-Missing the initial and/or revised loan estimate. Unable to run compliance without this documentation. - XXX XXXXXXXXX XXXX-XX/XX/XXXX

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

Resolved-Document received. - XXX XXXXXXXXX XXXX-XX/XX/XXXX

XXXX

Primary Residence

Purchase

XXXX

N/A

XXXX

305089826

Closed

2026-03-06 08:21

2026-03-06 08:33

Resolved

Compliance

TRID

Federal - Inaccurate Closing Disclosure APR - Redisclosure and Waiting Period

Resolved- - XXX XXXXXXXXX XXXX-XX/XX/XXXX

Open- - XXX XXXXXXXXX XXXX-XX/XX/XXXX

XXXX

Primary Residence

Purchase

XXXX

N/A

XXXX

305089826

Closed

2026-03-06 08:21

2026-03-06 08:33

Resolved

Compliance

XXXX

Tolerance: Disclosure

Resolved- - XXX XXXXXXXXX XXXX-XX/XX/XXXX

Open- - XXX XXXXXXXXX XXXX-XX/XX/XXXX

XXXX

Primary Residence

Purchase

XXXX

N/A

XXXX

305089826

Closed

2026-03-06 08:21

2026-03-06 08:33

Resolved

Compliance

Tolerance:APR

Federal - Closed End APR Disclosure Tolerance (Regular)

Resolved- - XXX XXXXXXXXX XXXX-XX/XX/XXXX

Open- - XXX XXXXXXXXX XXXX-XX/XX/XXXX

XXXX

Primary Residence

Purchase

XXXX

N/A

XXXX

305089826

Closed

2026-03-06 08:21

2026-03-06 08:33

Resolved

Compliance

Tolerance:FinanceCharge

Federal - Finance Charge Disclosure Tolerance (Closed End)

Resolved- - XXX XXXXXXXXX XXXX-XX/XX/XXXX

Open- - XXX XXXXXXXXX XXXX-XX/XX/XXXX

XXXX

Primary Residence

Purchase

XXXX

N/A

XXXX

305089826

Closed

2026-03-06 08:21

2026-03-06 08:33

Resolved

Compliance

TRID Tolerance

Insufficient Change of Circumstance (50001252)

Resolved- - XXX XXXXXXXXX XXXX-XX/XX/XXXX

Open- - XXX XXXXXXXXX XXXX-XX/XX/XXXX

XXXX

Primary Residence

Purchase

XXXX

N/A

XXXX

305089826

Closed

2026-03-06 08:16

2026-03-06 08:21

Resolved

Compliance

XXXX

Tolerance: Disclosure

Resolved- - XXX XXXXXXXXX XXXX-XX/XX/XXXX

Open- - XXX XXXXXXXXX XXXX-XX/XX/XXXX

Open- - XXX XXXXXXXXX XXXX-XX/XX/XXXX

XXXX

Primary Residence

Purchase

XXXX

N/A

XXXX

305089826

Closed

2026-03-04 03:33

2026-03-06 08:03

Resolved

1 - Information

Credit

Eligibility

Ineligible Housing History per program guidelines

Resolved-Letter was provided for rent free. - XXX XXXXXXXXX XXXX-XX/XX/XXXX

Resolved-Rent Free LOX provided under findings. Housing History Meets XXXXXXXXX Requirements. - XXX XXXXXXXXX XXXX-XX/XX/XXXX

Resolved-Housing History Meets XXXXXXXXX Requirements - XXX XXXXXXXXX XXXX-XX/XX/XXXX

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

Open-Housing History Does Not Meet XXXXXXXXX Requirements Borrower have No primary housing expenses per Final XXXX but Rent free LOE is missing in file. Provide Rent Free LOE for primary residence of borrowerX from the property owner. - XXX XXXXXXXXX XXXX-XX/XX/XXXX

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

XXXX

Primary Residence

Purchase

XXXX

N/A

XXXX

305089826

Closed

2026-03-04 03:16

2026-03-06 08:00

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 Business Bank Statements Missing

Resolved-Borrower X Business XXXX Statements Provided - XXX XXXXXXXXX XXXX-XX/XX/XXXX

Resolved-Borrower X Business XXXX Statements for XX Months Provided. - XXX XXXXXXXXX XXXX-XX/XX/XXXX

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

Open-Borrower X Business XXXX Statements Missing Provide Borrower X Business XXXX Statements for both businesses stated on the XXXX. Unable to accurately calculate the borrowers income due to bank statements not being in the file. - XXX XXXXXXXXX XXXX-XX/XX/XXXX

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

Resolved-Borrower X Business XXXX Statements Provided - XXX XXXXXXXXX XXXX-XX/XX/XXXX

Resolved-Borrower X Business XXXX Statements for XX Months Provided. - XXX XXXXXXXXX XXXX-XX/XX/XXXX

XXXX

Primary Residence

Purchase

XXXX

N/A

XXXX

305089826

Closed

2026-03-04 03:16

2026-03-06 08:00

Resolved

1 - Information

Credit

Missing Doc

Missing Lender Income Calculation Worksheet

Resolved-Validation Resolved' - XXX XXXXXXXXX XXXX-XX/XX/XXXX

Resolved-XXXXXX Income Calculation Worksheet for both sources of income Provided. Updated & Resolved. - XXX XXXXXXXXX XXXX-XX/XX/XXXX

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

Open-XXXX Statement Summary XXXXXX Worksheet / Income Calculator is Missing for one or more borrowers. Provide XXXXXX Income Calculation Worksheet for both sources of income XXXX XXXXXXXXX, X.X. and XXXXXX XXXXXXXXXX. - XXX XXXXXXXXX XXXX-XX/XX/XXXX

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

Resolved-Validation Resolved' - XXX XXXXXXXXX XXXX-XX/XX/XXXX

Resolved-XXXXXX Income Calculation Worksheet for both sources of income Provided. Updated & Resolved. - XXX XXXXXXXXX XXXX-XX/XX/XXXX

XXXX

Primary Residence

Purchase

XXXX

N/A

XXXX

305089826

Closed

2026-03-05 06:38

2026-03-06 08:00

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 CPA Letter Missing

Resolved-XXXXXXXX X XXX Letter Provided - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX

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

Open-XXXXXXXX X XXX Letter Missing Per the XXXXXXXXXX, a XXX letter is required to provide evidence of existence of both businesses. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX

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

Resolved-XXXXXXXX X XXX Letter Provided - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX

XXXX

Primary Residence

Purchase

XXXX

N/A

XXXX

305077645

Closed

2026-03-02 05:01

2026-03-04 12:51

Resolved

1 - Information

Compliance

XXXX

System: RuleEngine

Resolved-Resolved - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX

Open- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX

Open-Formula[LenderEntityType] Evaluation Failure. Error = LenderEntityType can't be empty. Compliance failed for empty Lender Entity Type . - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX

Open- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX

Open- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-Resolved - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX

XXXX

Primary Residence

Refinance

Cash Out - Other

XXXX

N/A

XXXX

305089827

Closed

2026-03-02 01:19

2026-03-05 01:33

Resolved

1 - Information

Credit

Unable to verify PITI on other mortgage related obligations (ATR)

Resolved-Lender provided property profiles for each property with the tax amount. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX

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

Open-Tax documents are missing in file to determine monthly payments on properties: XXXX XXXXX XX and XXXX XXXXXXXXXX XXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX

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

Resolved-Lender provided property profiles for each property with the tax amount. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX

XXXX

Primary Residence

Refinance

Cash Out - Other

XXXX

N/A

XXXX

305089814

Closed

2026-03-04 08:26

2026-03-06 06:55

Resolved

1 - Information

Compliance

Missing Doc

TRID: Missing Initial Closing Disclosure

Resolved- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX

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

Open-TRID: Missing Closing Disclosure Unable to locate the initial closing disclosure. The subject property is a primary residence and compliance has to be run. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX

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

XXXX

Primary Residence

Refinance

Cash Out - Other

XXXX

N/A

XXXX

305089814

Closed

2026-03-01 22:01

2026-03-06 06:54

Resolved

1 - Information

Compliance

Missing Doc

TRID: Missing Loan Estimate

Resolved- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX

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

Open-Initial LE and revised LE (if applicable) is missing in file. Subject is a primary residence and compliance has to be run. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX

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

XXXX

Primary Residence

Refinance

Cash Out - Other

XXXX

N/A

XXXX

305089814

Closed

2026-03-06 06:20

2026-03-06 06:53

Resolved

Compliance

TRID

Federal - Loan Estimate Received At Least Four Business Days Before Consummation

Resolved- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX

Open- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX

Open- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX

XXXX

Primary Residence

Refinance

Cash Out - Other

XXXX

N/A

XXXX

305089809

Closed

2026-03-05 08:57

2026-03-06 14:22

Resolved

1 - Information

Credit

Escrow information insufficient or has discrepancy

Resolved-Additional dwelling coverage for detached ADU on the subject property. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX

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

Open-Provide detailed clarification and supporting documentation for the $XXX annual escrow disbursement reflected on the escrow statement marked as 'Other'. The charge is currently undescribed, and its purpose and payee are not identified. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX

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

Resolved-Additional dwelling coverage for detached ADU on the subject property. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX

XXXX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

XXXX

N/A

XXXX

305089809

Closed

2026-03-03 00:54

2026-03-06 06:09

Resolved

1 - Information

Compliance

Missing Doc

TRID: Missing Loan Estimate

Resolved-Initial & revised loan estimate provided. Updated & Resolved. XXXXXX successful.
- XXX XXXXXXXXX XXXXXX-XX/XX/XXXX

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

Open-Missing initial Loan estimate in file. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX

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

Resolved-Initial & revised loan estimate provided. Updated & Resolved. XXXXXX successful.
- XXX XXXXXXXXX XXXXXX-XX/XX/XXXX

XXXX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

XXXX

N/A

XXXX

305089809

Closed

2026-03-02 22:22

2026-03-06 04:48

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 Gap Credit Report is Missing

Resolved-XXXXXXXX X Gap Credit Report Provided. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-XXXXXXXX X Gap Credit Report is not missing. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX

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

Open-XXXXXXXX X Gap Credit Report is Missing Gap report is missing in file. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX

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

Resolved-XXXXXXXX X Gap Credit Report Provided. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-XXXXXXXX X Gap Credit Report is not missing. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX

XXXX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

XXXX

N/A

XXXX

305089809

Closed

2026-03-03 00:53

2026-03-06 00:32

Resolved

1 - Information

Compliance

Missing Doc

TRID: Missing Initial Closing Disclosure

Resolved-Initial CD is missing in file, Provided the same, changes made in system, Finding Resolved - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX

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

Open-TRID: Missing Closing Disclosure Missing Initial CD in file. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX

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

Resolved-Initial CD is missing in file, Provided the same, changes made in system, Finding Resolved - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX

XXXX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

XXXX

N/A

XXXX

305089818

Closed

2026-03-02 23:17

2026-03-06 05:56

Resolved

1 - Information

Compliance

Missing Doc

TRID: Missing Loan Estimate

Resolved-Initial & revised loan estimate provided. Updated & Resolved. XXXXXX successful. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX

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

Open-Missing Initial loan estimator to perform compliance test. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX

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

Resolved-Initial & revised loan estimate provided. Updated & Resolved. XXXXXX successful. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX

XXXX

Primary Residence

Refinance

Cash Out - Other

XXXX

N/A

XXXX

305089818

Closed

2026-03-06 05:51

2026-03-06 05:55

Resolved

1 - Information

Compliance

TRID Tolerance

Insufficient Change of Circumstance (50001252)

Resolved-Resolved - XXX XXXXXXXX XXXXXX-XX/XX/XXXX

Open- - XXX XXXXXXXX XXXXXX-XX/XX/XXXX

Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Appraisal Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (XX XXX XXXXXX.X(X); XX XXX XXXXXX.X(X); XX XXX XXXXXX.X(X)(X)). - XXX XXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-Resolved - XXX XXXXXXXX XXXXXX-XX/XX/XXXX

XXXX

Primary Residence

Refinance

Cash Out - Other

XXXX

N/A

XXXX

305089818

Closed

2026-03-06 05:51

2026-03-06 05:53

Resolved

1 - Information

Compliance

TRID Tolerance

Lender Credits That Cannot Decrease Test (50001262)

Resolved- - XXX XXXXXXXX XXXXXX-XX/XX/XXXX

Open-The baseline amount of non-specific (lump sum) lender credits and specific lender credits disclosed is ($XX,XXX.XX). The Last CD shows a total lender credit amount of ($XX,XXX.XX). The following fees "lender credits" have decreased below their baseline amounts (General Lender Credit). Non-specific lender credits are generalized payments that do not pay for a particular fee. Specific lender credits are specific payments to pay for a specific fee. The total amount of non-specific and specific lender credits cannot decrease unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (XX XXX XXXXXX.X(X)(X) and comments XX(X)(X)(X)-X and -X; XX XXX XXXXXX.X(X)(X); XX XXX XXXXXX.XX(X)(X); XX XXX XXXXXX.XX(X)). - XXX XXXXXXXX XXXXXX-XX/XX/XXXX

Resolved- - XXX XXXXXXXX XXXXXX-XX/XX/XXXX

XXXX

Primary Residence

Refinance

Cash Out - Other

XXXX

N/A

XXXX

305089818

Closed

2026-03-02 23:18

2026-03-06 00:20

Resolved

1 - Information

Compliance

Missing Doc

TRID: Missing Initial Closing Disclosure

Resolved-Initial CD is missing in file, Provided the same, changes made in system, Finding Resolved - XXX XXXXXXXX XXXXXX-XX/XX/XXXX

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

Open-XXXX: Missing Closing Disclosure Missing Initial Closing Disclosure to perform compliance test. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX

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

Resolved-Initial CD is missing in file, Provided the same, changes made in system, Finding Resolved - XXX XXXXXXXX XXXXXX-XX/XX/XXXX

XXXX

Primary Residence

Refinance

Cash Out - Other

XXXX

N/A

XXXX

305089818

Closed

2026-03-02 22:43

2026-03-06 00:20

Resolved

1 - Information

Compliance

Missing Doc

Missing evidence of rate lock

Resolved-Rate lock document is missing in file, Provided the same, changes made in system, Finding Resolved - XXX XXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-Evidence of Rate Lock Provided - XXX XXXXXXXX XXXXXX-XX/XX/XXXX

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

Open-Evidence of Rate Lock Missing No Evidence of Rate Lock is found. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX

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

XXXX

Primary Residence

Refinance

Cash Out - Other

XXXX

N/A

XXXX

305089811

Closed

2026-03-04 13:07

2026-03-06 05:46

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 3rd Party VOE Prior to Close Missing

Resolved-Lender provided XXX letter for XXXXXX XXXX XXX. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX

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

Open-Borrower X Xrd Party XXX Prior to Close Missing Per XXXXXXX guidelines section X.X.X, Preparer to provide a signed document with all of the following: X. Confirmation business has been in existence for a minimum of two (X) years and X. Indicate borrower’s ownership percentage of the business. Current/active license or certification for the preparer.
The XXX letter in file is for the business XXXX XXXXXX XXX, but the business being used for income is XXXXXX XXXX XXX. Missing XXX letter for XXXXXX XXXX XXX. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX

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

Resolved-Lender provided XXX letter for XXXXXX XXXX XXX. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX

XXXX

Investment

Refinance

No Cash Out - Borrower Initiated

XXXX

N/A

XXXX

305089817

Closed

2026-03-10 05:44

2026-03-11 08:15

Resolved

1 - Information

Compliance

HigherPriced:APR

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

Resolved-This loan failed the higher-priced mortgage loan test. ( XX XXX § XXXXXX.XX(X)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX XXX §XXXXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXXX Header Disclosure XXXX was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page #XXX-XXX and XXX-XXX, and the Final Closing disclosure is on page #XXX, reflecting escrows. Rate lock date was entered correctly; see page #XXXXXXXX – XXXXXXXX XXXX XXXXXXXXXXXX and Loan Estimates (includes COC). An interior and exterior appraisal was completed for this property; see pages #XX-XXX. The appraisal disclosure was provided to the borrower(s); see pages #XXX. And confirmation the appraisal was delivered to the borrower; see page #XXX. Loan meets XXXX guidelines. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX

Open- - XXX XXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-This loan failed the higher-priced mortgage loan test. ( XX XXX § XXXXXX.XX(X)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX XXX §XXXXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXXX Header Disclosure XXXX was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page #XXX-XXX and XXX-XXX, and the Final Closing disclosure is on page #XXX, reflecting escrows. Rate lock date was entered correctly; see page #XXXXXXXX – XXXXXXXX XXXX XXXXXXXXXXXX and Loan Estimates (includes COC). An interior and exterior appraisal was completed for this property; see pages #XX-XXX. The appraisal disclosure was provided to the borrower(s); see pages #XXX. And confirmation the appraisal was delivered to the borrower; see page #XXX.  Loan meets XXXX guidelines. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX

Open-The loan's (X.XXX%) APR equals or exceeds the Federal XXXX threshold of (X.X%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.X%).(XX XXX XXXXXX.XX(X)(X)(X))   - XXX XXXXXXXX XXXXXX-XX/XX/XXXX

Open- - XXX XXXXXXXX XXXXXX-XX/XX/XXXX

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

Open-The loan's (X.XXX%) APR equals or exceeds the Federal XXXX threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX XXX XXXXXX.XX(X)(X)(X)) We do not have Rate lock date which is required to resolve this condition. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX

Open- - XXX XXXXXXXX XXXXXX-XX/XX/XXXX

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

Resolved-This loan failed the higher-priced mortgage loan test. ( XX XXX § XXXXXX.XX(X)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX XXX §XXXXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXXX Header Disclosure XXXX was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page #XXX-XXX and XXX-XXX, and the Final Closing disclosure is on page #XXX, reflecting escrows. Rate lock date was entered correctly; see page #XXXXXXXX – XXXXXXXX XXXX XXXXXXXXXXXX and Loan Estimates (includes COC). An interior and exterior appraisal was completed for this property; see pages #XX-XXX. The appraisal disclosure was provided to the borrower(s); see pages #XXX. And confirmation the appraisal was delivered to the borrower; see page #XXX. Loan meets XXXX guidelines. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-This loan failed the higher-priced mortgage loan test. ( XX XXX § XXXXXX.XX(X)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX XXX §XXXXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXXX Header Disclosure XXXX was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page #XXX-XXX and XXX-XXX, and the Final Closing disclosure is on page #XXX, reflecting escrows. Rate lock date was entered correctly; see page #XXXXXXXX – XXXXXXXX XXXX XXXXXXXXXXXX and Loan Estimates (includes COC). An interior and exterior appraisal was completed for this property; see pages #XX-XXX. The appraisal disclosure was provided to the borrower(s); see pages #XXX. And confirmation the appraisal was delivered to the borrower; see page #XXX. Loan meets XXXX guidelines. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX

XXXX

Primary Residence

Refinance

Cash Out - Other

XXXX

N/A

XXXX

305089817

Closed

2026-03-02 21:19

2026-03-11 08:13

Resolved

1 - Information

Credit

Eligibility

Audited FICO is less than Guideline requirements

Resolved-Signed Exception Approval for XXX exception. Resolved. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX

Open-Audited XXXX of XXX is less than Guideline XXXX of XXX - XXX XXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-Signed Exception Approval for XXX exception. Resolved. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX

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

Open-Audited XXXX of XXX is less than Guideline XXXX of XXX Audited XXXX XXX is less than the guideline min for P&L only program XXX per XX/XX/XX matrix - XXX XXXXXXXX XXXXXX-XX/XX/XXXX

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

Resolved-Signed Exception Approval for XXX exception. Resolved. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-Signed Exception Approval for XXX exception. Resolved. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX

XXXX

Primary Residence

Refinance

Cash Out - Other

XXXX

N/A

XXXX

305089817

Closed

2026-03-03 02:14

2026-03-10 10:09

Resolved

1 - Information

Compliance

Missing Doc

TRID: Missing Loan Estimate

Resolved-Revised Loan Estimate dated XX/XX/XXXX and COC provided. Resolved. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX

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

Open-Provide initial LE missing in file - XXX XXXXXXXX XXXXXX-XX/XX/XXXX

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

Resolved-Revised Loan Estimate dated XX/XX/XXXX and COC provided. Resolved. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX

XXXX

Primary Residence

Refinance

Cash Out - Other

XXXX

N/A

XXXX

305089817

Closed

2026-03-02 21:55

2026-03-10 09:29

Resolved

1 - Information

Compliance

Missing Doc

Missing evidence of rate lock

Resolved- - XXX XXXXXXXX XXXXXX-XX/XX/XXXX

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

Open-Evidence of Rate Lock Missing Provide rate lock missing in loan file - XXX XXXXXXXX XXXXXX-XX/XX/XXXX

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

XXXX

Primary Residence

Refinance

Cash Out - Other

XXXX

N/A

XXXX

305089817

Closed

2026-03-03 02:14

2026-03-10 00:12

Resolved

1 - Information

Compliance

Missing Doc

TRID: Missing Initial Closing Disclosure

Resolved-Initial Closing Disclosure uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-XX/XX/XXXX _xXXXX_
Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX _xXXXX_
Open-TRID: Missing Closing Disclosure Provide Initial CD missing in file - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX_xXXXX_

Resolved-Initial Closing Disclosure uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-XX/XX/XXXX_xXXXX_

XXXX

Primary Residence

Refinance

Cash Out - Other

XXXX

N/A

XXXX

305082711

Closed

2026-03-06 09:23

2026-03-10 05:01

Resolved

1 - Information

Credit

Eligibility

Ineligible Housing History per program guidelines

Resolved-Supplemental Credit received to support XX month housing history. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_
Resolved-Housing History Meets XXXXXXXXX Requirements - Due Diligence Vendor-XX/XX/XXXX _xXXXX_
Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX _xXXXX_
Open-Housing History Does Not Meet XXXXXXXXX Requirements Provide supporting documentation that clarifies if the Mortgage on the property at XXXXX XXXXX XXX was a part of the Chapter X BK or if the borrower did or did not reaffirm debt - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX_xXXXX_

XXXX

Primary Residence

Purchase

XXXX

N/A

XXXX

305082711

Closed

2026-03-06 09:23

2026-03-10 05:00

Resolved

1 - Information

Credit

Borrower

Discrepancy between 1008 Page Qualifying FICO and actual Qualifying FICO

Resolved-Validation Resolved - Due Diligence Vendor-XX/XX/XXXX _xXXXX_
Resolved-Updated XXXX with correct XXXX score received. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_
Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX _xXXXX_
Open-Qualifying XXXX on the XXXX XXXX is 'XXX' or blank, but the Qualifying XXXX from the Credit Liabilities XXXX is 'XXX' or blank. Qualifying XXXX entries do not match. Please confirm the correct Qualifying XXXX value. Provide update XXXX. Primary Wage Earner is BX with a mid score of XXX

- Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX_xXXXX_

Resolved-Validation Resolved - Due Diligence Vendor-XX/XX/XXXX _xXXXX_
Resolved-Updated XXXX with correct XXXX score received. - Due Diligence Vendor-XX/XX/XXXX_xXXXX_

XXXX

Primary Residence

Purchase

XXXX

N/A

XXXX

305089810

Closed

2026-03-04 03:48

2026-03-11 03:55

Resolved

1 - Information

Credit

Doc Issue

Final TIL Missing or Not Executed

Resolved-Final TIL uploaded, Verified & entered in system - Resolved
- Due Diligence Vendor-XX/XX/XXXX _xXXXX_
Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX _xXXXX_
Open-Provide Final TILA disclosure which is missing from loan file. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX_xXXXX_

Resolved-Final TIL uploaded, Verified & entered in system - Resolved
- Due Diligence Vendor-XX/XX/XXXX_xXXXX_

XXXX

Investment

Refinance

Cash Out - Other

XXXX

N/A

XXXX

305089824

Closed

2026-03-03 03:11

2026-03-06 04:09

Resolved

1 - Information

Credit

Title

Title Coverage is Less than Subject Lien(s) Total

Resolved-Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-XX/XX/XXXX _xXXXX_
Ready for Review-Document Uploaded. Title commitment with updated loan amount - XXXXXX-XX/XX/XXXX _xXXXX_
Open-Title Coverage Amount of $XXXXXX is Less than Loan Amount Title work in file reflects a Policy Amount of $XXX,XXX; however, our loan amount is $XXX,XXX. Please provide title work to show a policy amount of $XXX,XXX or higher. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Title commitment with updated loan amount - XXXXXX-XX/XX/XXXX_xXXXX_

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

XXXX

Primary Residence

Refinance

Cash Out - Other

XXXX

N/A

XXXX

305089813

Closed

2026-03-03 21:40

2026-03-11 08:46

Resolved

1 - Information

Compliance

Rescission:Disbursement

Federal - Right of Rescission (Loan Disbursement Violation) (TILA)

Resolved-PCCD has been provided and XX has been updated - Due Diligence Vendor-XX/XX/XXXX _xXXXX_
Resolved- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_
Ready for Review-Document Uploaded. Title settlement statement & PCCD reflecting disb date X/XX - attached - XXXXXX-XX/XX/XXXX _xXXXX_
Open-The loan disbursement date (XXXX-XX-XX) is earlier than, or the same day as, the calculated "Right to Cancel Expire Date" (XXXX-XX-XX). Under Regulation Z, funds may not be disbursed to the borrower until after the expiration of the rescission period. (Reg Z, XX CFR XXXX.XX(c) and Official Staff Commentary) Provide the updated Right to Cancel document, The loan disbursement date (XXXX-XX-XX) is the same day as, the calculated "Right to Cancel Expire Date" (XXXX-XX-XX). Under Regulation Z, funds may not be disbursed to the borrower until after the expiration of the rescission period. (Reg Z, XX CFR XXXX.XX(c) and Official Staff Commentary) Provide the updated Right to Cancel document, The loan disbursement date (XXXX-XX-XX) is the same day as, the calculated "Right to Cancel Expire Date" (XXXX-XX-XX). - Due Diligence Vendor-XX/XX/XXXX _xXXXX_
Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_
Open- - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Title settlement statement & PCCD reflecting disb date X/XX - attached - XXXXXX-XX/XX/XXXX_xXXXX_

Resolved-PCCD has been provided and XX has been updated - Due Diligence Vendor-XX/XX/XXXX_xXXXX_

XXXX

Primary Residence

Refinance

Cash Out - Other

XXXX

N/A

XXXX

305089813

Closed

2026-03-05 10:25

2026-03-05 10:35

Resolved

1 - Information

Compliance

Interest:Accrual

California - Interest Rate Accrual Warning (Civ. Code)

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

_xXXXX_

Resolved-Resolved - Due Diligence Vendor-XX/XX/XXXX_xXXXX_

XXXX

Primary Residence

Refinance

Cash Out - Other

XXXX

N/A

XXXX

305071415

Closed

2026-03-03 00:19

2026-03-27 03:40

Resolved

1 - Information

Property

Missing Doc

Second Appraisal/ Valuation is Missing

Resolved-Requested secondary valuation provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_
Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than X.X - Due Diligence Vendor-XX/XX/XXXX _xXXXX_
Ready for Review-Document Uploaded. see attached field review. - XXXXXX-XX/XX/XXXX _xXXXX_
Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than X.X Second Appraisal/ Valuation is Missing from file. XXXXXX XXX which is matching with property value and provided score is X.X - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. see attached field review. - XXXXXX-XX/XX/XXXX_xXXXX_

Resolved-Requested secondary valuation provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX_xXXXX_

XXXX

Investment

Refinance

Cash Out - Other

XXXX

N/A

XXXX

305071415

Closed

2026-03-02 20:55

2026-03-27 03:38

Resolved

1 - Information

Credit

Title

Title Coverage is Less than Subject Lien(s) Total

Resolved-Updated Title Commitment uploaded, Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s), Verified - Resolved - Due Diligence Vendor-XX/XX/XXXX _xXXXX_
Resolved-Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-XX/XX/XXXX _xXXXX_
Ready for Review-Document Uploaded. uploaded - XXXXXX-XX/XX/XXXX _xXXXX_
Open-Title Coverage Amount of $XXXXXX is Less than Loan Amount XXX,XXX. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. uploaded - XXXXXX-XX/XX/XXXX_xXXXX_

XXXX

Investment

Refinance

Cash Out - Other

XXXX

N/A

XXXX

305071415

Closed

2026-03-03 03:03

2026-03-09 13:38

Acknowledged

2 - Non-Material

Credit

Missing Doc

Business Purpose Affidavit is Missing

Acknowledged-XX Acknowledges - Due Diligence Vendor-XX/XX/XXXX _xXXXX_
Unable to Resolve-Unable to Resolve-XX Agrees to waive; please downgrade to a Non-Material Grade X. - Buyer-XX/XX/XXXX _xXXXX_
Counter-The loan application was taken prior to the X.X.XX XX you provided.  we need to use the prior XX, which still required the BPA - Due Diligence Vendor-XX/XX/XXXX _xXXXX_
Ready for Review-Document Uploaded. we no longer require inital BPA  - Buyer-XX/XX/XXXX _xXXXX_
Open-The XXXX XXXX Loan Type is 'XXXX' but the Business Purpose Affidavit Disclosure Indicator on the XXXX is 'Missing', and on the Business Purpose VX XXXX is 'Missing'.  Business Purpose Affidavit is required for a XXXX loan. Initial Business Purpose Affidavit is Missing - Due Diligence Vendor-XX/XX/XXXX

_xXXXX_

Acknowledged-XX Acknowledges - Due Diligence Vendor-XX/XX/XXXX_xXXXX_

XXXX

Investment

Refinance

Cash Out - Other

XXXX

Investor Post-Close

XXXX

305071478

Closed

2026-03-07 12:09

2026-03-27 09:35

Resolved

1 - Information

Credit

Missing Doc

1008 Document is Missing

Resolved-Lender provided updated XXXX. Finding resolved.  - Due Diligence Vendor-XX/XX/XXXX

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

Ready for Review-Document Uploaded. Please find updated XXXX with sales price of $XXX,XXX - Seller-XX/XX/XXXX

Counter-Due to the loan being expanded Prime, updated XXXX showing correct sales price is required. Current one in file does not have updated sales price. Finding countered.  - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Please see the updated purchase contract with the price being $XXX,XXX.XX.  - Buyer-XX/XX/XXXX

Open-The XXXX document is missing from the loan file. Sales price of $XXX,XXX as listed on XXXX does not match $XXX,XXX as listed on Final CD.  - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Please find updated XXXX with sales price of $XXX,XXX - Seller-XX/XX/XXXX

Resolved-Lender provided updated XXXX. Finding resolved. - Due Diligence Vendor-XX/XX/XXXX

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

XXXX

Investment

Purchase

XXXX

N/A

XXXX

305071478

Closed

2026-03-07 11:16

2026-03-27 09:32

Resolved

1 - Information

Compliance

Missing Doc

The Note is Incomplete

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

Resolved-Lender provided fully executed Note. Finding resolved.  - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Please see attached note with initials on page X, thank you  - Buyer-XX/XX/XXXX

Open-The Note is Incomplete Note in file is missing initials on p. X of document.  - Due Diligence Vendor-XX/XX/XXXX

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

Resolved-Lender provided fully executed Note. Finding resolved. - Due Diligence Vendor-XX/XX/XXXX

XXXX

Investment

Purchase

XXXX

N/A

XXXX

305071478

Closed

2026-03-07 11:26

2026-03-18 08:22

Resolved

1 - Information

Compliance

Missing Doc

The Deed of Trust is Incomplete

Resolved-Lender provided fully executed DOT. Finding resolved. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Fully executed recorded DoT with all signatures and initials - Seller-XX/XX/XXXX

Open-The Deed of Trust is Incomplete Deed of trust in file is missing initials on pgs. XX and XX. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Fully executed recorded DoT with all signatures and initials - Seller-XX/XX/XXXX

Resolved-Lender provided fully executed DOT. Finding resolved. - Due Diligence Vendor-XX/XX/XXXX

XXXX

Investment

Purchase

XXXX

N/A

XXXX

305071455

Closed

2026-03-06 08:41

2026-03-11 07:33

Resolved

1 - Information

Compliance

Missing Doc

TRID: Missing Closing Disclosure

Resolved-Lender provided executed Final CD - finding resolved. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Please see the attached - Seller-XX/XX/XXXX

Open-TRID: Missing Final Closing Disclosure Final CD provided is not executed. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Please see the attached - Seller-XX/XX/XXXX

Resolved-Lender provided executed Final CD - finding resolved. - Due Diligence Vendor-XX/XX/XXXX

XXXX

Investment

Refinance

Cash Out - Other

XXXX

N/A

XXXX

305071455

Closed

2026-03-06 08:21

2026-03-11 07:29

Resolved

1 - Information

Compliance

Closing

The Deed of Trust is Not Executed

Resolved-Lender provided the executed Deed of Trust - finding resolved. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Please see the attached - Seller-XX/XX/XXXX

Open-The Deed of Trust is Not Executed - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Please see the attached - Seller-XX/XX/XXXX

Resolved-Lender provided the executed Deed of Trust - finding resolved. - Due Diligence Vendor-XX/XX/XXXX

XXXX

Investment

Refinance

Cash Out - Other

XXXX

N/A

XXXX

305071455

Closed

2026-03-06 08:52

2026-03-11 07:23

Resolved

1 - Information

Credit

Missing Doc

Guaranty Agreement Doc Locator is Missing or Partial

Resolved-Lender provided executed agreement - finding resolved - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Please see the attached - Seller-XX/XX/XXXX

Open-Guaranty Agreement Doc is Missing or Partial Guaranty Agreement is not executed - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Please see the attached - Seller-XX/XX/XXXX

Resolved-Lender provided executed agreement - finding resolved - Due Diligence Vendor-XX/XX/XXXX

XXXX

Investment

Refinance

Cash Out - Other

XXXX

N/A

XXXX

305071455

Closed

2026-03-06 08:12

2026-03-11 07:21

Resolved

1 - Information

Compliance

Closing

The Note is Not Executed

Resolved-The Note is Executed - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Please see the attached note - Buyer-XX/XX/XXXX

Open-The Note is Not Executed - Due Diligence Vendor-XX/XX/XXXX

Resolved-The Note is Executed - Due Diligence Vendor-XX/XX/XXXX

XXXX

Investment

Refinance

Cash Out - Other

XXXX

N/A

XXXX

305071455

Closed

2026-03-04 20:25

2026-03-11 01:00

Resolved

1 - Information

Credit

Eligibility

Prepayment Penalty Does Not Meet Guideline Requirements

Resolved-Finding added for Prepayment Penalty does not meet XX Requirements; Provided Secured Note whch includes prepayment and final Cd, verified, changes made In system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Please see the attached documents - Buyer-XX/XX/XXXX

Open-Prepayment Penalty Meet the Guidelines requirement. - Due Diligence Vendor-XX/XX/XXXX

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

XXXX

Investment

Refinance

Cash Out - Other

XXXX

N/A

XXXX

305071455

Closed

2026-03-04 05:54

2026-03-11 01:00

Resolved

1 - Information

Credit

Missing Doc

Business Purpose Affidavit is Missing

Resolved-BPA is missing in file, provided the same, changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX

Resolved-The Business Purpose Affidavit is present or Not Applicable (XXXX Page Loan Type is DSCR.) - Due Diligence Vendor-XX/XX/XXXX

Open-The XXXX Page Loan Type is 'DSCR' but the Business Purpose Affidavit Disclosure Indicator on the XXXX is 'Present', and on the Business Purpose VX Page is 'Missing'. Business Purpose Affidavit is required for a DSCR loan. - Due Diligence Vendor-XX/XX/XXXX

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

Open-The XXXX Page Loan Type is 'DSCR' but the Business Purpose Affidavit Disclosure Indicator on the XXXX is 'Missing', and on the Business Purpose VX Page is 'Missing'. Business Purpose Affidavit is required for a DSCR loan. Provide an executed Final Business Purpose and Occupancy Affidavit Disclosure. Initial Business Purpose and Occupancy Affidavit Disclosure dated X/X/XX in file. - Due Diligence Vendor-XX/XX/XXXX

XXXX

Investment

Refinance

Cash Out - Other

XXXX

N/A

XXXX

305071455

Closed

2026-03-04 20:27

2026-03-10 23:29

Resolved

1 - Information

Compliance

Missing Doc

The Final 1003 is Missing

Resolved-Signed Final XXXX is missing in file, Provided the same, changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX

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

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

Open-The Final XXXX is Missing Required Signed Final XXXX document. - Due Diligence Vendor-XX/XX/XXXX

XXXX

Investment

Refinance

Cash Out - Other

XXXX

N/A

XXXX

305071460

Closed

2026-03-04 05:39

2026-03-26 01:23

Resolved

1 - Information

Compliance

Missing Doc

The Final 1003 is Incomplete

Resolved-Finding added for Entity XXXX is Missing in file, as per Updated Entity XXXX is no more required, hence Condition Resolved
- Due Diligence XXXXXX-XX/XX/XXXX

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

Ready for Review-We no longer require the final XXXX for LLCs. Please clarify this finding. - Buyer-XX/XX/XXXX

Open-DOT and NOTE signed as LLC, How ever XXXX with LLC name is missing - Due Diligence XXXXXX-XX/XX/XXXX

XXXX

Investment

Refinance

Cash Out - Other

XXXX

N/A

XXXX

305071460

Closed

2026-03-03 11:30

2026-03-11 00:39

Resolved

1 - Information

Credit

Insurance

Hazard Insurance Coverage Amount is less than Required Coverage Amount

Resolved-Hazard Insurance coverage is less than loan amount, provided RCE, changes made in system, Fining Resolved - Due Diligence XXXXXX-XX/XX/XXXX

Resolved-Hazard Insurance Coverage Amount of $XXXXXX is equal to or greater than Required Coverage Amount of $XXXXXX or Guaranteed Replacement Coverage is present (Guaranteed Replacement Coverage indicator is 'No') - Due Diligence XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. Per the Replacement Cost Estimate (RCE), the cost to rebuild the property is $XXX,XXX.XX, and the dwelling coverage in place is $XXX,XXX. Therefore, the policy meets the required coverage based on the RCE. - Buyer-XX/XX/XXXX

Open-Hazard Insurance Coverage Amount of $XXXXXX is less than Required Coverage Amount of $XXXXXX and Guaranteed Replacement Coverage indicator is 'No' Hazard Insurance Coverage Amount of $XXXXXX is less than Required Coverage Amount of $XXXXXX, required replacement cost estimator doc. or Guaranteed Replacement Coverage doc. to cover the loan amount - Due Diligence XXXXXX-XX/XX/XXXX

XXXX

Investment

Refinance

Cash Out - Other

XXXX

N/A

XXXX

305071466

Closed

2026-03-04 13:12

2026-03-04 13:47

Waived

2 - Non-Material

Credit

Eligibility

Excessive Seller Contributions

Waived-Exception on page XXX approved for seller contribution up to $XX,XXX vs $XX,XXX (X%). - Due Diligence XXXXXX-XX/XX/XXXX

XXXX

Investment

Purchase

XXXX

Originator Pre-Close

Yes

XXXX

305071309

Closed

2026-03-04 02:18

2026-03-12 03:21

Resolved

1 - Information

Credit

Title

Title Coverage is Less than Subject Lien(s) Total

Resolved-title coverage is less than loan amount, provided updated title document, changes made in system, Finding Resolved - Due Diligence XXXXXX-XX/XX/XXXX

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

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

Open-Title Coverage Amount of $XXXXXX is Less than Loan Amount - Due Diligence XXXXXX-XX/XX/XXXX

XXXX

Investment

Refinance

Cash Out - Other

XXXX

N/A

XXXX

305082730

Closed

2026-03-11 04:39

2026-03-12 04:14

Resolved

1 - Information

Credit

Missing Doc

Business Purpose Affidavit is Missing

Resolved- Business Purpose Affidavit signed at Initial Application received.  - Due Diligence XXXXXX-XX/XX/XXXX

Resolved-The Business Purpose Affidavit is present or Not Applicable (XXXX Page Loan Type is XXXX.) - Due Diligence XXXXXX-XX/XX/XXXX

Open-The XXXX Page Loan Type is 'XXXX' but the Business Purpose Affidavit Disclosure Indicator on the XXXX is 'Present', and on the Business Purpose VX Page is 'Missing'.  Business Purpose Affidavit is required for a XXXX loan. - Due Diligence XXXXXX-XX/XX/XXXX

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

Open-The XXXX Page Loan Type is 'XXXX' but the Business Purpose Affidavit Disclosure Indicator on the XXXX is 'Missing', and on the Business Purpose VX Page is 'Missing'.  Business Purpose Affidavit is required for a XXXX loan. Provide Business Purpose Affidavit signed at Initial Application - Due Diligence XXXXXX-XX/XX/XXXX

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

XXXX

Investment

Refinance

No Cash Out - Borrower Initiated

XXXX

N/A

XXXX

305071400

Closed

2026-03-04 23:58

2026-03-10 00:58

Resolved

1 - Information

Compliance

Missing Doc

The Deed of Trust is Missing

Resolved-Deed of Trust document uploaded, Verified & entered in system - Resolved
- Due Diligence XXXXXX-XX/XX/XXXX

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

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

Open-The Deed of Trust is Missing The Deed of Trust is Missing in loan file. - Due Diligence XXXXXX-XX/XX/XXXX

Resolved-Deed of Trust document uploaded, Verified & entered in system - Resolved
- Due Diligence XXXXXX-XX/XX/XXXX

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

XXXX

Investment

Purchase

XXXX

N/A

XXXX

305048276

Closed

2026-03-06 23:47

2026-03-07 00:07

Resolved

1 - Information

Compliance

HigherPriced:APR

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

XXXX

Primary Residence

Purchase

XXXX

N/A

XXXX

305071480

Closed

2026-03-06 14:21

2026-03-30 15:16

Resolved

1 - Information

Credit

Missing Doc

Purchase Contract is Missing

Resolved- - Due Diligence XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. This is a three-unit property per the appraisal, with all units listed under the address of XXXX for this loan. The units do not have separate addresses.

The additional purchase contracts provided (XXXX and XXXX) are for separate transactions and loans for the same borrower through XXXXXXXXX Mortgage. These are independent of this subject property.

For this transaction, all three units are correctly identified under the single address of XXXX, as reflected in the appraisal. - Buyer-XX/XX/XXXX

Open-Loan Purpose is Purchase but Purchase Contract Doc is Missing The subject property is a X unit, unit XXXX, unit XXXX, unit XXXX, we are in receipt of the contract and addendum for unit XXXX and XXXX.
We are missing the contract with any and all addendums for unit XXXX. - Due Diligence XXXXXX-XX/XX/XXXX

XXXX

Investment

Purchase

XXXX

N/A

XXXX

305071356

Closed

2026-03-09 01:15

2026-03-24 05:38

Resolved

1 - Information

Credit

Missing Doc

The letter of explanation for the borrower's assets/reserves is missing

Resolved-Resolved, Document provided and updated. - Due Diligence XXXXXX-XX/XX/XXXX

Resolved-Requested access letter from non borrowing account holder provided, updated & condition resolved. - Due Diligence XXXXXX-XX/XX/XXXX

Resolved-Validation Resolved' - Due Diligence XXXXXX-XX/XX/XXXX

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

Open-The letter of explanation for the borrower's assets/reserves is missing. Please provide LOE or additional assets/reserves. Provide lox , Asset X has other person along with borrower. Need Access LOX for other person. - Due Diligence XXXXXX-XX/XX/XXXX

XXXX

Investment

Purchase

XXXX

N/A

XXXX

305089794

Closed

2026-03-10 04:48

2026-03-12 06:01

Resolved

1 - Information

Compliance

Disclosure

Data Discrepancy: Prepayment Penalty on Closing Disclosure Incorrect

Resolved-Settlement statement with correct fee has been provided. - Due Diligence XXXXXX-XX/XX/XXXX

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

Open-Prepayment Penalty on Closing Disclosure does not match the prepayment penalty calculation on the Note. Prepayment Penalty on RESPA document is $XX,XXX, where prepayment penalty calculation $XX,XXX.XX per prepayment addendum with PPP as X months interest is not matching. - Due Diligence XXXXXX-XX/XX/XXXX

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

Resolved-Settlement statement with correct fee has been provided. - Due Diligence XXXXXX-XX/XX/XXXX

XXXX

Investment

Refinance

No Cash Out - Borrower Initiated

XXXX

N/A

XXXX

305089794

Closed

2026-03-10 01:24

2026-03-12 01:42

Resolved

1 - Information

Credit

Title

Title Coverage is Less than Subject Lien(s) Total

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

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

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

Open-Title Coverage Amount of $XXXXXX is Less than Loan Amount Provided  Coverage Amount of $XXXXXX is Less than Loan Amount of $XXX,XXX and no supplemental title report provided for corrected XX.  - Due Diligence Vendor-XX/XX/XXXX

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

XXXX

Investment

Refinance

No Cash Out - Borrower Initiated

XXXX

N/A

XXXX

305089796

Closed

2026-03-09 23:47

2026-03-13 06:26

Resolved

1 - Information

Compliance

Disclosure

Data Discrepancy: Prepayment Penalty on Closing Disclosure Incorrect

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

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

Open-Prepayment Penalty on Closing Disclosure does not match the prepayment penalty calculation on the Note. Calculated prepayment is $XX,XXX vs $XX,XXX in final HUD. Provide updated document to reflect correct prepayment - Due Diligence Vendor-XX/XX/XXXX

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

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

XXXX

Investment

Refinance

Cash Out - Other

XXXX

N/A

XXXX

305089804

Closed

2026-03-09 00:40

2026-03-12 01:51

Resolved

1 - Information

Credit

Borrower

Discrepancy between 1008 Page Qualifying FICO and actual Qualifying FICO

Resolved-Updated XXXX Document uploaded, Qualifying FICO on the XXXX matches the Qualifying FICO from the Credit Liabilities, Verified - Resolved  - Due Diligence Vendor-XX/XX/XXXX

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

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

Open-Qualifying FICO on the XXXX Page is 'XXX' or blank, but the Qualifying FICO from the Credit Liabilities Page is 'XXX' or blank. Qualifying FICO entries do not match.  Please confirm the correct Qualifying FICO value. Qualifying FICO on the XXXX Page is 'XXX' but the FICOs from the Credit Report dated X/XX/XXXX (lowest to highest) are XXX, XXX, XXX, with the middle score being XXX. - Due Diligence Vendor-XX/XX/XXXX

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

XXXX

Primary Residence

Refinance

Cash Out - Other

XXXX

N/A

XXXX

305089804

Closed

2026-03-09 10:23

2026-03-10 13:20

Resolved

1 - Information

Compliance

Missing Doc

TRID: Missing Closing Disclosure

Resolved-The XXs & XXX were provided. - Due Diligence Vendor-XX/XX/XXXX

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

Open-TRID: Missing Closing Disclosure The File contains only the Final XX. All other XEs and XX's for this transaction are missing from the file. - Due Diligence Vendor-XX/XX/XXXX

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

Resolved-The XXs & XXX were provided. - Due Diligence Vendor-XX/XX/XXXX

XXXX

Primary Residence

Refinance

Cash Out - Other

XXXX

N/A

XXXX

305089804

Closed

2026-03-09 01:35

2026-03-10 13:20

Resolved

1 - Information

Compliance

Missing Doc

TRID: Missing Loan Estimate

Resolved-The XXs & XXX were provided. - Due Diligence Vendor-XX/XX/XXXX

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

Open-The File contains only the Final XX. All other XEs and XX's for this transaction are missing from the file. - Due Diligence Vendor-XX/XX/XXXX

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

Resolved-The XXs & XXX were provided. - Due Diligence Vendor-XX/XX/XXXX

XXXX

Primary Residence

Refinance

Cash Out - Other

XXXX

N/A

XXXX

305089804

Closed

2026-03-10 13:12

2026-03-10 13:18

Resolved

1 - Information

Compliance

TRID Tolerance

Insufficient Tolerance Cure (50001028)

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

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

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

XXXX

Primary Residence

Refinance

Cash Out - Other

XXXX

N/A

XXXX

305089806

Closed

2026-03-10 08:12

2026-03-10 13:34

Resolved

1 - Information

Compliance

Missing Doc

TRID: Missing Closing Disclosure

Resolved-The XXs and XXX were received. - Due Diligence Vendor-XX/XX/XXXX

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

Open-TRID: Missing Closing Disclosure The file is missing TRID Disclosures. The only documents received were the initial XX (X/XX/XXXX) and the Final XX (X/XX/XXXX). All other XXs and XXX for this transaction are missing from the loan file. - Due Diligence Vendor-XX/XX/XXXX

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

Resolved-The XXs and XXX were received. - Due Diligence Vendor-XX/XX/XXXX

XXXX

Second Home

Refinance

Cash Out - Other

XXXX

N/A

XXXX

305089806

Closed

2026-03-10 08:12

2026-03-10 13:34

Resolved

1 - Information

Compliance

Missing Doc

TRID: Missing Loan Estimate

Resolved-The XXs and XXX were received. - Due Diligence Vendor-XX/XX/XXXX

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

Open-The file is missing TRID Disclosures. The only documents received were the initial XX (X/XX/XXXX) and the Final XX (X/XX/XXXX). All other XXs and XXX for this transaction are missing from the loan file. - Due Diligence Vendor-XX/XX/XXXX

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

Resolved-The XXs and XXX were received. - Due Diligence Vendor-XX/XX/XXXX

XXXX

Second Home

Refinance

Cash Out - Other

XXXX

N/A

XXXX

305089807

Closed

2026-03-09 23:31

2026-03-11 11:14

Resolved

1 - Information

Credit

Lender Approval Form is Missing

Resolved-Loan Approval uploaded, Verified & entered in system - Resolved
- Due Diligence Vendor-XX/XX/XXXX

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

Open-Provide lender approval form as its missing in file. - Due Diligence Vendor-XX/XX/XXXX

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

Resolved-Loan Approval uploaded, Verified & entered in system - Resolved
- Due Diligence Vendor-XX/XX/XXXX

XXXX

Investment

Refinance

Cash Out - Other

XXXX

N/A

XXXX

305089784

Closed

2026-03-10 12:46

2026-03-16 08:19

Resolved

1 - Information

Compliance

TRID

Federal - Closing Disclosure and Consummation Date

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

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

Open-The Initial Closing Disclosure Received Date of (XXXX-XX-XX) is not three business days before the consummation date of (XXXX-XX-XX). Three business days before the consummation date is (XXXXXXXX). Under Regulation Z, a consumer must receive the Initial Closing Disclosure reflecting the actual terms of the transaction no later than three business days before consummation. (XX CFR XXXX.XX(f)(X)(ii)(A)); XXXX.XX(f)(X)(iii)) . Please provide Initial Closing Disclosure. - Due Diligence Vendor-XX/XX/XXXX

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

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

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

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

XXXX

Primary Residence

Refinance

Cash Out - Other

XXXX

N/A

XXXX

305089803

Closed

2026-03-10 03:38

2026-03-13 06:05

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 CPA Letter Missing

Resolved-Borrower X XXX Letter Provided - XXX XXXXXXXXX XXX-XX/XX/XXXX

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

Counter- - XXX XXXXXXXXX XXX-XX/XX/XXXX

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

Open-Borrower X XXX Letter Missing Provide Current/active license or certification for the preparer missing in loan file per XXXXXXXXXX - XXX XXXXXXXXX XXX-XX/XX/XXXX

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

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

Resolved-Borrower X XXX Letter Provided - XXX XXXXXXXXX XXX-XX/XX/XXXX

XXXX

Primary Residence

Purchase

XXXX

N/A

XXXX

305089799

Closed

2026-03-09 01:42

2026-03-13 06:36

Resolved

1 - Information

Compliance

Disclosure

Data Discrepancy: Prepayment Penalty on Closing Disclosure Incorrect

Resolved-Corrected XXX provided/Resolved - XXX XXXXXXXXX XXX-XX/XX/XXXX

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

Open-Prepayment Penalty on Closing Disclosure does not match the prepayment penalty calculation on the Note. Calculated prepayment is $XX,XXX vs $XX,XXX in final XXX. Provide updated document to reflect correct Prepayment amount - XXX XXXXXXXXX XXX-XX/XX/XXXX

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

Resolved-Corrected XXX provided/Resolved - XXX XXXXXXXXX XXX-XX/XX/XXXX

XXXX

Investment

Refinance

Cash Out - Other

XXXX

N/A

XXXX

305089799

Closed

2026-03-09 01:08

2026-03-11 04:13

Resolved

1 - Information

Credit

Insurance

Hazard Insurance Coverage Amount is less than Required Coverage Amount

Resolved-XXX uploaded, Hazard Insurance Coverage Amount of $XXXXXX is equal to or greater than Required Coverage Amount of $XXXXXXXXX, Verified - Resolved - XXX XXXXXXXXX XXX-XX/XX/XXXX

Resolved-Hazard Insurance Coverage Amount of $XXXXXX is equal to or greater than Required Coverage Amount of $XXXXXXXXX or Guaranteed Replacement Coverage is present (Guaranteed Replacement Coverage indicator is 'No') - XXX XXXXXXXXX XXX-XX/XX/XXXX

Ready for Review-Document Uploaded. Policy included XXX% guaranteed replacement cost.
Determining the required Coverage Amount
The lender or servicer must verify that the property insurance coverage amount for a first mortgage secured by one-to-four-unit property is at least equal to the lesser of:
o XXX% of the replacement cost value of the improvements as of the current property insurance policy effective date, or
o The unpaid balance of the loan, provided it equals to less than XX% of the replacement cost value of the improvements as the current property insurance effective date.
The source that the lender or servicer uses to verify the coverage amount may be the property insurer, an independent insurance risk specialist, or other professional with appropriate resources to make such a determination. This may include, but is not limited to, a statement from the insurer or other applicable professional, a replacement cost estimator, or an insurance risk appraisal.
- Seller-XX/XX/XXXX

Open-Hazard Insurance Coverage Amount of $XXXXXX is less than Required Coverage Amount of $XXXXXX and Guaranteed Replacement Coverage indicator is 'No' Dwelling coverage of $XXX,XXX is not covering the loan amount of $XXX,XXX - XXX XXXXXXXXX XXX-XX/XX/XXXX

Ready for Review-Document Uploaded. Policy included XXX% guaranteed replacement cost.
Determining the required Coverage Amount
The lender or servicer must verify that the property insurance coverage amount for a first mortgage secured by one-to-four-unit property is at least equal to the lesser of:
o XXX% of the replacement cost value of the improvements as of the current property insurance policy effective date, or
o The unpaid balance of the loan, provided it equals to less than XX% of the replacement cost value of the improvements as the current property insurance effective date.
The source that the lender or servicer uses to verify the coverage amount may be the property insurer, an independent insurance risk specialist, or other professional with appropriate resources to make such a determination. This may include, but is not limited to, a statement from the insurer or other applicable professional, a replacement cost estimator, or an insurance risk appraisal.
- Seller-XX/XX/XXXX

XXXX

Investment

Refinance

Cash Out - Other

XXXX

N/A

XXXX

305089780

Closed

2026-03-10 03:18

2026-03-13 06:10

Resolved

1 - Information

Compliance

Fees:Limited

Texas - Maximum Fees Allowed

Resolved-XX Results Summary sheet received showing a Par Rate of X.XXX%. System updated. XXXXXX now passes.  Issue resolved. - XXX XXXXXXXXX XXX-XX/XX/XXXX

Resolved- - XXX XXXXXXXXX XXX-XX/XX/XXXX

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

Open-The Texas Constitution prohibits fees from exceeding X% of the principal balance on a non-purchase money loan. (Tex. Const. Art. XX Sec. XX(a)(X)(X); X XX XXX Sec. XXX.X) The loan's $X,XXX.XX Total Fees exceed the Texas Constitution limit of XX of the loan amount, or $X,XXX.XX.  The file is missing a Par Rate Sheet showing the undiscounted rate for the purpose of bona fide discount points. - XXX XXXXXXXXX XXX-XX/XX/XXXX

Open- - XXX XXXXXXXXX XXX-XX/XX/XXXX

Open- - XXX XXXXXXXXX XXX-XX/XX/XXXX

Open- - XXX XXXXXXXXX XXX-XX/XX/XXXX

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

Resolved-XX Results Summary sheet received showing a Par Rate of X.XXX%. System updated. XXXXXX now passes. Issue resolved. - XXX XXXXXXXXX XXX-XX/XX/XXXX

Resolved- - XXX XXXXXXXXX XXX-XX/XX/XXXX

XXXX

Primary Residence

Refinance

Cash Out - Other

XXXX

N/A

XXXX

305089780

Closed

2026-03-10 03:18

2026-03-13 06:10

Resolved

1 - Information

Compliance

Enterprise:FeeLimits

ER - Texas Constitution 2% Fee Limit

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

Resolved-XX Results Summary sheet received showing a Par Rate of X.XXX%. System updated. XXXXXX now passes. Issue resolved. - XXX XXXXXXXXX XXX-XX/XX/XXXX

Resolved- - XXX XXXXXXXXX XXX-XX/XX/XXXX

XXXX

Primary Residence

Refinance

Cash Out - Other

XXXX

N/A

XXXX

305089781

Closed

2026-03-11 08:08

2026-03-11 11:38

Resolved

1 - Information

Compliance

HigherPriced:APR

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

Resolved-The loan's (X.XXX%) XXX equals or exceeds the Federal XXXX threshold of (X.X%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable XXXX for this loan is (X.X%).(XX XXX XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. ( XX XXX § XXXX.XX(a)(X) )Using the greater of the disclosed XXX and the calculated XXX, the loan is a higher-priced mortgage loan, as defined in Regulation X. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX XXX §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXXX Header Disclosure Page was entered correctly All disclosures, XXX’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’sXXX-XXX and the Final Closing disclosure on Pg#’sXXX-XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#’sXXX. An interior and exterior appraisal was completed for this property – see pg#XX, the appraisal disclosure was provided to the borrower(s)- see Pg#’sXXX, and confirmation the appraisal was delivered to the borrower – see Pg#’sXXX. The loan meets XXXX XXXXXXXXXX, resolved.
- XXX XXXXXXXXX XXX-XX/XX/XXXX

Open- - XXX XXXXXXXXX XXX-XX/XX/XXXX

Open- - XXX XXXXXXXXX XXX-XX/XX/XXXX

Open- - XXX XXXXXXXXX XXX-XX/XX/XXXX

XXXX

Primary Residence

Refinance

Cash Out - Other

XXXX

N/A

XXXX

305089797

Closed

2026-03-12 08:24

2026-03-13 05:46

Resolved

1 - Information

Credit

Missing subject rental income documentation

Resolved-Provided rent receipts for XX/XXXX, XX/XXXX and X/XXXX. There is a XXXX statement in the file that shows the receipt of rental income for X/XXXX. Finding Resolved. - XXX XXXXXXXXX XXX-XX/XX/XXXX

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

Open-The lease in the file shows the rental income as $X,XXX. The lender used XXX% of the $X,XXX for a monthly income of $X,XXX. The X months proof of receipt is missing from the file. Please provide the X months proof of receipt for rental income for the subject property. - XXX XXXXXXXXX XXX-XX/XX/XXXX

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

XXXX

Investment

Refinance

No Cash Out - Borrower Initiated

XXXX

N/A

XXXX

305036845

Closed

2026-03-11 03:12

2026-04-21 11:06

Resolved

1 - Information

Credit

Missing Doc

1008 Document is Missing

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

Ready for Review-Adding XX XXX on XXXX fee differences - XXX XXXXXXXXX XXX-XX/XX/XXXX

Counter-The XXXX does not match the taxes, and insurance that were provided. The taxes paid in XXXX were $X,XXX.XX ($XXX.XX/monthly) and the hazard insurance paid was $X,XXX.XX (XXX.XX/monthly). The XXXX shows an XXX amount of $XXX; however, none of the documents reflect an XXX for this property as well. - XXX XXXXXXXXX XXX-XX/XX/XXXX

Resolved-Requested XXXX document provided, updated & condition resolved. - XXX XXXXXXXXX XXX-XX/XX/XXXX

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

Ready for Review-XXXX attached - XXX XXXXXXXXX XXX-XX/XX/XXXX

Open-The XXXX document is missing from the loan file. - XXX XXXXXXXXX XXX-XX/XX/XXXX

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

Resolved-Requested XXXX document provided, updated & condition resolved. - XXX XXXXXXXXX XXX-XX/XX/XXXX

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

XXXX

Second Home

Refinance

Cash Out - Debt Consolidation

XXXX

N/A

XXXX

305036845

Closed

2026-03-11 04:57

2026-03-20 05:35

Resolved

1 - Information

Credit

Missing Doc

Evidence of Property Tax Missing

Resolved-Tax bills received, resolved. - XXX XXXXXXXXX XXX-XX/XX/XXXX

Ready for Review-Tax bills attached - XXX XXXXXXXXX XXX-XX/XX/XXXX

Open-Missing Evidence of Property Tax Audited taxes verified from pages XXX, XXX and XXX. Considered the XXXX-XXXX levied taxes getting $XX,XXX.XX/XX = $X,XXX.XX. Final documents considered as $X,XXX. - XXX XXXXXXXXX XXX-XX/XX/XXXX

Resolved-Tax bills received, resolved. - XXX XXXXXXXXX XXX-XX/XX/XXXX

XXXX

Second Home

Refinance

Cash Out - Debt Consolidation

XXXX

N/A

XXXX

305036845

Closed

2026-03-11 08:12

2026-03-20 01:52

Resolved

1 - Information

Credit

Missing Doc

Third Party Fraud Report not Provided

Resolved-Requested Xrd party fraud report provided, updated & condition resolved. - XXX XXXXXXXXX XXX-XX/XX/XXXX

Resolved-Third Party Fraud Report is provided - XXX XXXXXXXXX XXX-XX/XX/XXXX

Ready for Review-Fraud report attached - XXX XXXXXXXXX XXX-XX/XX/XXXX

Open-Missing Third Party Fraud Report Provide Fraud Report Missing in File - XXX XXXXXXXXX XXX-XX/XX/XXXX

Resolved-Requested Xrd party fraud report provided, updated & condition resolved. - XXX XXXXXXXXX XXX-XX/XX/XXXX

Resolved-Third Party Fraud Report is provided - XXX XXXXXXXXX XXX-XX/XX/XXXX

XXXX

Second Home

Refinance

Cash Out - Debt Consolidation

XXXX

N/A

XXXX

305089786

Closed

2026-03-11 04:13

2026-03-24 15:32

Resolved

1 - Information

Credit

Eligibility

Audited LTV Exceeds Guideline LTV

Resolved-Exception in file. - Due Diligence Vendor-XX/XX/XXXX _xXXXXX_
Open-Audited LTV of XX.XX% exceeds XXXXXXXXX LTV of XX% - Due Diligence Vendor-XX/XX/XXXX _xXXXXX_
Resolved-Internal exception made for LTV. - Due Diligence Vendor-XX/XX/XXXX _xXXXXX_
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX _xXXXXX_
Open-Audited LTV of XX.XX% exceeds XXXXXXXXX LTV of XX% Audited LTV of XX.XX% exceeds G/Ls of XX% (per rate and term for ,max LA $X,XXX,XXX). - Due Diligence Vendor-XX/XX/XXXX

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

Resolved-Exception in file. - Due Diligence Vendor-XX/XX/XXXX _xXXXXX_
Resolved-Internal exception made for LTV. - Due Diligence Vendor-XX/XX/XXXX_xXXXXX_

XXXX

Investment

Refinance

No Cash Out - Borrower Initiated

XXXX

N/A

XXXX

305089786

Closed

2026-03-11 14:56

2026-03-24 15:31

Resolved

1 - Information

Credit

Assets

Asset 1 Does Not Meet Guideline Requirements

Resolved-Asset Record X Meets G/L Requirements - Due Diligence Vendor-XX/XX/XXXX _xXXXXX_
Resolved-Operating agreement provided. - Due Diligence Vendor-XX/XX/XXXX _xXXXXX_
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX _xXXXXX_
Open-XXXX of XXXXXXX account #XXXX is in the business name XXXXX XXXXXXXXXXX XXXXXXXX XXX. No business documents provided. - Due Diligence Vendor-XX/XX/XXXX

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

Resolved-Asset Record X Meets G/L Requirements - Due Diligence Vendor-XX/XX/XXXX _xXXXXX_
Resolved-Operating agreement provided. - Due Diligence Vendor-XX/XX/XXXX_xXXXXX_

XXXX

Investment

Refinance

No Cash Out - Borrower Initiated

XXXX

N/A

XXXX

305089786

Closed

2026-03-11 14:57

2026-03-24 15:31

Resolved

1 - Information

Credit

Assets

Asset 10 Does Not Meet Guideline Requirements

Resolved-Asset XX Meets XXXXXXXXX Requirements Or Not Applicable - Due Diligence Vendor-XX/XX/XXXX _xXXXXX_
Resolved-Correct operating agreement provided. - Due Diligence Vendor-XX/XX/XXXX _xXXXXX_
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX _xXXXXX_
Counter- - Due Diligence Vendor-XX/XX/XXXX _xXXXXX_
Unable to Resolve-The operating agreement provided is for XXXXX XXXXXXXXXXX XXXXXXXX not XXXXX XXXXXXXXXXXX XXX. - Due Diligence Vendor-XX/XX/XXXX _xXXXXX_
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX _xXXXXX_
Open-XXXX of XXXXXXX account #XXXX is in the business name of XXXXX XXXXXXXXXXXX, XXX. No business documents provided. - Due Diligence Vendor-XX/XX/XXXX

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

Resolved-Asset XX Meets XXXXXXXXX Requirements Or Not Applicable - Due Diligence Vendor-XX/XX/XXXX _xXXXXX_
Resolved-Correct operating agreement provided. - Due Diligence Vendor-XX/XX/XXXX_xXXXXX_

XXXX

Investment

Refinance

No Cash Out - Borrower Initiated

XXXX

N/A

XXXX

305089786

Closed

2026-03-11 01:39

2026-03-16 08:26

Resolved

1 - Information

Compliance

Disclosure

Data Discrepancy: Prepayment Penalty on Closing Disclosure Incorrect

Resolved-Updated HUD provided. - Due Diligence Vendor-XX/XX/XXXX _xXXXXX_
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX _xXXXXX_
Open-Prepayment Penalty on Closing Disclosure does not match the prepayment penalty calculation on the Note. Prepayment Penalty on RESPA document is $XX,XXX.XX , where prepayment penalty calculation $XX,XXX per prepayment addendum with PPP as X% interest (for XX months) is not matching. - Due Diligence Vendor-XX/XX/XXXX

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

Resolved-Updated HUD provided. - Due Diligence Vendor-XX/XX/XXXX_xXXXXX_

XXXX

Investment

Refinance

No Cash Out - Borrower Initiated

XXXX

N/A

XXXX

305089786

Closed

2026-03-11 11:18

2026-03-16 08:23

Resolved

1 - Information

Credit

Title

Title Coverage is Less than Subject Lien(s) Total

Resolved-Final title policy covers loan amount. - Due Diligence Vendor-XX/XX/XXXX _xXXXXX_
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX _xXXXXX_
Open-Title Coverage Amount of $XXXXXXX is Less than Loan Amount Title in loan only shows policy amount as $X,XXX,XXX. Need final title to show covering full loan amount. - Due Diligence Vendor-XX/XX/XXXX

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

Resolved-Final title policy covers loan amount. - Due Diligence Vendor-XX/XX/XXXX_xXXXXX_

XXXX

Investment

Refinance

No Cash Out - Borrower Initiated

XXXX

N/A

XXXX

305082520

Closed

2026-03-10 01:25

2026-03-12 21:26

Acknowledged

2 - Non-Material

Credit

Missing Doc

Business Purpose Affidavit is Missing

Acknowledged-XX Acknowledges - Due Diligence Vendor-XX/XX/XXXX _xXXXXX_
Unable to Resolve-Unable to Resolve-XX agrees to waive please downgrade to a non-material grade two. - Buyer-XX/XX/XXXX _xXXXXX_
Open-The XXXX Page Loan Type is 'XXXX' but the Business Purpose Affidavit Disclosure Indicator on the XXXX is 'Missing', and on the Business Purpose VX Page is 'Missing'. Business Purpose Affidavit is required for a XXXX loan. Provide an executed Initial Business Purpose and Occupancy Affidavit Disclosure. Final Business Purpose and Occupancy Affidavit Disclosure dated X/X/XX in file. - Due Diligence Vendor-XX/XX/XXXX

_xXXXXX_

Acknowledged-XX Acknowledges - Due Diligence Vendor-XX/XX/XXXX_xXXXXX_

XXXX

Investment

Refinance

Cash Out - Other

XXXX

Investor Post-Close

XXXX

305082520

Closed

2026-03-09 22:04

2026-03-12 07:16

Resolved

1 - Information

Compliance

State Reg

NJ Prepayment Penalty Prohibited

Resolved-Lender attached Prepayment Matrix and confirmed that since this is a Business Entity loan, the prepayment penalty is valid - finding resolved.  - Due Diligence Vendor-XX/XX/XXXX _xXXXXX_
Ready for Review-Document Uploaded. This is incorrect. As long as it's a business entity we are good to go.  - Buyer-XX/XX/XXXX _xXXXXX_
Open-Per outside counsel guidance, XXX prepayment penalties are only allowed for loans signed by a Corporation.  As per XX state pre payment is not eligible.  - Due Diligence Vendor-XX/XX/XXXX

_xXXXXX_

Resolved-Lender attached Prepayment Matrix and confirmed that since this is a Business Entity loan, the prepayment penalty is valid - finding resolved. - Due Diligence Vendor-XX/XX/XXXX_xXXXXX_

XXXX

Investment

Refinance

Cash Out - Other

XXXX

N/A

XXXX

305082520

Closed

2026-03-09 22:15

2026-03-12 03:07

Resolved

1 - Information

Credit

Title

Title Coverage is Less than Subject Lien(s) Total

Resolved-Requested updated title document with updated title coverage amount that covers loan amount provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX _xXXXXX_
Resolved-Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-XX/XX/XXXX _xXXXXX_
Ready for Review-Document Uploaded. attached - Buyer-XX/XX/XXXX _xXXXXX_
Open-Title Coverage Amount of $XXXXXX is Less than Loan Amount Title Coverage Amount of $XXX,XXX is Less than Loan Amount, updated title commitment with coverage increase required. - Due Diligence Vendor-XX/XX/XXXX

_xXXXXX_

XXXX

Investment

Refinance

Cash Out - Other

XXXX

N/A

XXXX

305074620

Closed

2026-03-11 07:56

2026-05-08 08:32

Resolved

1 - Information

Compliance

Missing Doc

The Final 1003 is Incomplete

Resolved-Updated XXXX provided - Due Diligence Vendor-XX/XX/XXXX _xXXXXX_
Ready for Review-Document Uploaded. Submitted updated XXXX/XXXX to clear: Business bank statement income was accidentally double counted. Total income should be $XXXX with addition of net rent from the Xnd unit of the duplex that borrower was purchasing. Please clear at your earliest convenience. Student loan payment was also showing $XX which was not correct - updated payment to .X% calculation. - Buyer-XX/XX/XXXX _xXXXXX_
Counter-Income worksheet on page XXXX reflects monthly income of $XXXX.XX + the income worksheet on page XXXX reflects income of $XXX.XX= $XXXX.XX vs the final XXXX reflects income of $XXXX + $XXX= $$XXXX. Missing income worksheet reflecting $XXXX monthly income - Due Diligence Vendor-XX/XX/XXXX _xXXXXX_
Ready for Review-Document Uploaded. Please see the attached rebuttal email from underwriting. Please rescind. - Buyer-XX/XX/XXXX _xXXXXX_
Open-The Final XXXX is Incomplete Income is not matching in XXXX as per income on XXXX $XXXX vs income per XXXX $XXXX.XX causing a difference in XXX - Due Diligence Vendor-XX/XX/XXXX

_xXXXXX_

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

XXXX

Primary Residence

Purchase

XXXX

N/A

XXXX

305074620

Closed

2026-03-11 06:29

2026-04-27 07:08

Waived

2 - Non-Material

Credit

Missing Doc

Missing VOM or VOR

Waived- - Due Diligence Vendor-XX/XX/XXXX _xXXXXX_
Ready for Review-Exception provided for unverified housing history is approved. Borrower previously rented but no XXX obtained. Borrower otherwise meets the requirements for no housing history. - Due Diligence Vendor-XX/XX/XXXX _xXXXXX_
Ready for Review-Document Uploaded. Please see the attached underwriting exception made for this finding. Please clear. - Buyer-XX/XX/XXXX _xXXXXX_
Open-XXX/XXX Doc Status should not be 'Missing'. XXX is missing in file per final XXXX borrower rents primary - Due Diligence Vendor-XX/XX/XXXX

_xXXXXX_

XXXX

Primary Residence

Purchase

XXXX

Originator Pre-Close

Yes

XXXX

305074620

Closed

2026-03-14 08:06

Waived

2 - Non-Material

Credit

Income/Employment

Employment Self-Employed Less Than 2 Years at Origination

Waived-Exception on page XXXX for <X yrs self-employment is approved. Borrower is S/E for XX months with previous experience in the same line of work.
- XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX

XXXX

Primary Residence

Purchase

XXXX

Originator Pre-Close

Yes

XXXX

305048500

Closed

2026-03-11 02:25

2026-04-14 12:05

Resolved

1 - Information

Compliance

TRID Tolerance

Insufficient Change of Circumstance (50001252)

Resolved-Resolved - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX

Resolved- - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX

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

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

Ready for Review-Document Uploaded. Please find XXXX and check mailed to borrower.  Please clear as presented, thank you  - Buyer-XX/XX/XXXX

Open- - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX

Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Broker Fees, Appraisal Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (XX XXX XXXX.XX(e)(X); XX XXX XXXX.XX(e)(X); XX XXX XXXX.XX(f)(X)(v)). Broker Fee is increased from Revised LE($X,XXX) to Initial XX ($X,XXX.XX) which is less than $X and is acceptable. Appraisal Fee Increased from Revised LE ($XXX) to ($XXX) but XXX is not available in file. Provide XXX for Appraisal Fee Increase - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX

Open- - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX

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

Resolved-Resolved - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX

XXXX

Primary Residence

Purchase

XXXX

N/A

XXXX

305048500

Closed

2026-03-11 02:25

2026-04-14 12:04

Resolved

1 - Information

Compliance

TRID Tolerance

Lender Credits That Cannot Decrease Test (50001262)

Resolved-Resolved - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX

Resolved- - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. The changes in lender credits throughout the loan process are attributable to pricing adjustments associated with interest rate selection and rate lock activity. Upon review of the loan file, the decrease in lender credits reflects changes in pricing resulting from rate lock and market-driven adjustments, rather than undisclosed or unsupported fee changes.

Lender credits are directly tied to rate pricing and may fluctuate based on borrower rate selection, lock timing, and market conditions. These adjustments are permissible under XXXX and do not constitute a tolerance violation when driven by valid pricing changes.

Accordingly, the variations in lender credits are supported by rate/pricing changes and do not require separate Change of Circumstance documentation beyond the applicable redisclosures tied to those pricing adjustments. - Buyer-XX/XX/XXXX

Open-The baseline amount of non-specific (lump sum) lender credits and specific lender credits disclosed is ($X,XXX.XX). The Last XX shows a total lender credit amount of ($X,XXX.XX). The following fees "lender credits" have decreased below their baseline amounts (General Lender Credit). Non-specific lender credits are generalized payments that do not pay for a particular fee. Specific lender credits are specific payments to pay for a specific fee. The total amount of non-specific and specific lender credits cannot decrease unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (XX XXX XXXX.XX(e)(X)(i) and comments XX(e)(X)(i)-X and -X; XX XXX XXXX.XX(f)(X)(v); XX XXX XXXX.XX(g)(X); XX XXX XXXX.XX(h)). Lender Credit decreased from Initial LE($X,XXX) to Revised LE ($X,XXX), again Lender credits increased from Revised LE($X,XXX) to Initial XX($X,XXX.XX), again Lender credits decreased from Initial XX to ($X,XXX.XX) Revised XX ($X,XXX.XX), again Lender credits decreased from Revised XX($X,XXX.XX) to Final XX ($X,XXX.XX). XXX is not provided for the above Lender credit changes. Provide XXX for the same. - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX

Open- - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX

Resolved-Resolved - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX

XXXX

Primary Residence

Purchase

XXXX

N/A

XXXX

305048500

Closed

2026-03-11 02:25

2026-04-10 05:50

Resolved

1 - Information

Compliance

HigherPriced:APR

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

Resolved-The loan's (XX.XXX%) XXX equals or exceeds the Federal XXXX threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable XXXX for this loan is (X.XX%).(XX XXX XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. ( XX XXX § XXXX.XX(a)(X) )Using the greater of the disclosed XXX and the calculated XXX, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX XXX §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXXX Header Disclosure XXXX was entered correctly All disclosures, XXX’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on XX#’sXXX and the Final Closing disclosure on XX#’s XXX, Finding reflects escrows. Rate lock date was entered correctly – see XX#’s XXXX. An interior and exterior appraisal was completed for this property – see pg XX, the appraisal disclosure was provided to the borrower(s)- see XX#’s XXX-XXX, and confirmation the appraisal was delivered to the borrower – see XX#’s XX. The loan meets XXXX guidelines, resolved. - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX

Open- - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX

Resolved-The loan's (XX.XXX%) XXX equals or exceeds the Federal XXXX threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable XXXX for this loan is (X.XX%).(XX XXX XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. ( XX XXX § XXXX.XX(a)(X) )Using the greater of the disclosed XXX and the calculated XXX, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX XXX §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXXX Header Disclosure XXXX was entered correctly All disclosures, XXX’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on XX#’sXXX and the Final Closing disclosure on XX#’s XXX, Finding reflects escrows. Rate lock date was entered correctly – see XX#’s XXXX. An interior and exterior appraisal was completed for this property – see pg XX, the appraisal disclosure was provided to the borrower(s)- see XX#’s XXX-XXX, and confirmation the appraisal was delivered to the borrower – see XX#’s XX. The loan meets XXXX guidelines, resolved. - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX

Open- - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX

Resolved-The loan's (XX.XXX%) XXX equals or exceeds the Federal XXXX threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable XXXX for this loan is (X.XX%).(XX XXX XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. ( XX XXX § XXXX.XX(a)(X) )Using the greater of the disclosed XXX and the calculated XXX, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX XXX §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXXX Header Disclosure XXXX was entered correctly All disclosures, XXX’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on XX#’sXXX and the Final Closing disclosure on XX#’s XXX, Finding reflects escrows. Rate lock date was entered correctly – see XX#’s XXXX. An interior and exterior appraisal was completed for this property – see pg XX, the appraisal disclosure was provided to the borrower(s)- see XX#’s XXX-XXX, and confirmation the appraisal was delivered to the borrower – see XX#’s XX. The loan meets XXXX guidelines, resolved.
- XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX

Open- - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX

Resolved-The loan's (XX.XXX%) XXX equals or exceeds the Federal XXXX threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable XXXX for this loan is (X.XX%).(XX XXX XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. ( XX XXX § XXXX.XX(a)(X) )Using the greater of the disclosed XXX and the calculated XXX, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX XXX §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXXX Header Disclosure XXXX was entered correctly All disclosures, XXX’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on XX#’sXXX and the Final Closing disclosure on XX#’s XXX, Finding reflects escrows. Rate lock date was entered correctly – see XX#’s XXXX. An interior and exterior appraisal was completed for this property – see pg XX, the appraisal disclosure was provided to the borrower(s)- see XX#’s XXX-XXX, and confirmation the appraisal was delivered to the borrower – see XX#’s XX. The loan meets XXXX guidelines, resolved. - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX

Resolved-The loan's (XX.XXX%) XXX equals or exceeds the Federal XXXX threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable XXXX for this loan is (X.XX%).(XX XXX XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. ( XX XXX § XXXX.XX(a)(X) )Using the greater of the disclosed XXX and the calculated XXX, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX XXX §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXXX Header Disclosure XXXX was entered correctly All disclosures, XXX’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on XX#’sXXX and the Final Closing disclosure on XX#’s XXX, Finding reflects escrows. Rate lock date was entered correctly – see XX#’s XXXX. An interior and exterior appraisal was completed for this property – see pg XX, the appraisal disclosure was provided to the borrower(s)- see XX#’s XXX-XXX, and confirmation the appraisal was delivered to the borrower – see XX#’s XX. The loan meets XXXX guidelines, resolved. - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX

Resolved-The loan's (XX.XXX%) XXX equals or exceeds the Federal XXXX threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable XXXX for this loan is (X.XX%).(XX XXX XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. ( XX XXX § XXXX.XX(a)(X) )Using the greater of the disclosed XXX and the calculated XXX, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX XXX §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXXX Header Disclosure XXXX was entered correctly All disclosures, XXX’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on XX#’sXXX and the Final Closing disclosure on XX#’s XXX, Finding reflects escrows. Rate lock date was entered correctly – see XX#’s XXXX. An interior and exterior appraisal was completed for this property – see pg XX, the appraisal disclosure was provided to the borrower(s)- see XX#’s XXX-XXX, and confirmation the appraisal was delivered to the borrower – see XX#’s XX. The loan meets XXXX guidelines, resolved.
- XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX

XXXX

Primary Residence

Purchase

XXXX

N/A

XXXX

305071369

Closed

2026-03-11 06:21

2026-03-20 02:48

Resolved

1 - Information

Credit

Missing Doc

1008 Document is Missing

Resolved-Requested updated XXXX document with XXX & XXX provided, updated & condition resolved. - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX

Resolved-The XXXX document is present in the loan file. - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX

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

Open-The XXXX document is missing from the loan file. Provide XXX and XXX values missing in XXXX document - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX

XXXX

Investment

Refinance

Cash Out - Other

XXXX

N/A

XXXX

305071369

Closed

2026-03-11 05:39

2026-03-20 02:44

Resolved

1 - Information

Credit

Eligibility

Ineligible Housing History per program guidelines

Resolved-Requested XXX month mortgage statement provided in findings, updated & condition resolved. - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX

Resolved-Housing History Meets XXXXXXXXX Requirements - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX

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

Open-Housing History Does Not Meet XXXXXXXXX Requirements Primary verified from XX provide in loan file on page#XX. Property report on page#XXX. Borrower purchased primary XX/XXXX under XXX name and owned free and clear (per lox under doc pg #XXX and supported by fraud) until new mtg was obtained XX/XXXX. Supporting documentation of X/XX/XXXX primary payment was made in the amount of $XXXX.XX, but X/XX/XXXX payment is required and missing from file - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX

XXXX

Investment

Refinance

Cash Out - Other

XXXX

N/A

XXXX

305082744

Closed

2026-03-13 02:35

2026-03-13 09:42

Waived

2 - Non-Material

Credit

Income/Employment

Income/Employment General

Waived-Client elects to waive with the following compensating factors:
Exception is on page: XXX

Exception Request: XXXX prepared Tax Preparer Attestation forms are only eligible on purchases with XXX <XX%. The file meets the XXX requirement, but is a refinance which is the reason for the exception. Partial entity documents are also in file
- XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX

XXXX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

XXXX

Originator Pre-Close

Yes

XXXX

305071517

Closed

2026-03-12 02:20

2026-03-18 04:06

Resolved

1 - Information

Credit

Eligibility

Audited LTV Exceeds Guideline LTV

Resolved-Per matrices max XXX is XX%. Meets the XXX requirement. Resolved - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX

Ready for Review-This is delayed financing with XXX+ XXXX and X.XX XXXX. The max per guides is XX% XXX. This should be acceptable. - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX

Open-Audited XXX of XX% exceeds XXXXXXXXX XXX of XX% As per XXX XXX XXXXXXXXXX Dated XXXX.X.XX Max XXX is XX%. - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX

Resolved-Per matrices max XXX is XX%. Meets the XXX requirement. Resolved - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX

XXXX

Investment

Refinance

Cash Out - Debt Consolidation

XXXX

N/A

XXXX

305037758

Closed

2026-03-16 05:29

2026-03-31 20:06

Resolved

1 - Information

Compliance

TRID Tolerance

Lender Credits That Cannot Decrease Test (50001262)

Resolved-Updated disclosures with latest XXX provided dated XX/XX/XXXX. This resolved the condition. - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX

Resolved- - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX

Resolved- - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX

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

Counter-This loan failed the lender credits that cannot decrease test due to the lender credit that decreased from $$XXX.XX. to $X on the revised XX issued on X/XX/XX. The XXX form dated X/XX/XX cannot clear the tolerance fail because it was issued after the revised XX. Provide XXX form issued within X business days of the revised XX or to cure provide refund check, XXXX, XXX, and evidence of delivery. - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX

Open- - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX

Open- - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX

Open- - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX

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

Open- - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX

Open-The baseline amount of non-specific (lump sum) lender credits and specific lender credits disclosed is ($XXX.XX). The Last XX shows a total lender credit amount of ($X.XX). The following fees "lender credits" have decreased below their baseline amounts (General Lender Credit). Non-specific lender credits are generalized payments that do not pay for a particular fee. Specific lender credits are specific payments to pay for a specific fee. The total amount of non-specific and specific lender credits cannot decrease unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (XX XXX XXXX.XX(e)(X)(i) and comments XX(e)(X)(i)-X and -X; XX XXX XXXX.XX(f)(X)(v); XX XXX XXXX.XX(g)(X); XX XXX XXXX.XX(h)). Require XXX for lender credits in final XX. - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX

Open- - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX

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

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

Resolved-Updated disclosures with latest XXX provided dated XX/XX/XXXX. This resolved the condition. - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX

Resolved- - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX

XXXX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

XXXX

N/A

XXXX

305037758

Closed

2026-03-16 05:29

2026-03-26 07:11

Resolved

1 - Information

Compliance

TRID Tolerance

Insufficient Change of Circumstance (50001252)

Resolved- - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX

Open- - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX

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

Open- - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX

Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Attorney's Fees. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (XX XXX XXXX.XX(e)(X); XX XXX XXXX.XX(e)(X); XX XXX XXXX.XX(f)(X)(v)). Require XXX for increase in fee in Last XX. - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX

Open- - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX

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

Resolved- - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX

XXXX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

XXXX

N/A

XXXX

305037758

Closed

2026-03-16 03:25

2026-03-23 01:58

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 Business Bank Statements Missing

Resolved-Income qualified with XX month Business  bank statements, XXX-XXXX Business bank statement is missing in file, provided the same, changes made in system, Finding Resolved - Due Diligence XXXXXX-XX/XX/XXXX

Resolved-Borrower X Business Bank Statements Provided - Due Diligence XXXXXX-XX/XX/XXXX

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

Open-Borrower X Business Bank Statements Missing XXX XXXX statement is missing.  - Due Diligence XXXXXX-XX/XX/XXXX

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

XXXX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

XXXX

N/A

XXXX

305071510

Closed

2026-03-13 00:35

2026-04-09 01:42

Resolved

1 - Information

Credit

Missing Doc

Title Document is Incomplete

Resolved-Updated Title commitment uploaded, Verified & entered in system - Resolved
- Due Diligence XXXXXX-XX/XX/XXXX

Resolved-Title Document is Provided And Complete - Due Diligence XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. Attached is the commitment with legal along with the recorded mortgage with exhibit A attached. - XXXXX-XX/XX/XXXX

Open-Title Document is Incomplete Unable to find Exhibit A or Legal Description from title or DOT. - Due Diligence XXXXXX-XX/XX/XXXX

XXXX

Investment

Refinance

No Cash Out - Borrower Initiated

XXXX

N/A

XXXX

305082644

Closed

2026-03-12 08:18

2026-03-30 15:24

Resolved

1 - Information

Credit

Missing Doc

Guaranty Agreement Doc Locator is Missing or Partial

Resolved-Validation Resolved' - Due Diligence XXXXXX-XX/XX/XXXX

Resolved-Personal Guaranty fully executed provided. - Due Diligence XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. Please see signed Guaranty Agreement and clear finding, thank you. - XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. Please find signed Guaranty Agreement and clear finding, thank you. - XXXXXX-XX/XX/XXXX

Open-Guaranty Agreement Doc is Missing or Partial File is available unsigned personal Guaranty Agreeement. Provide Final Signed personal Guaranty Agreeement at closing date. - Due Diligence XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. Please see signed Guaranty Agreement and clear finding, thank you. - XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. Please find signed Guaranty Agreement and clear finding, thank you. - XXXXXX-XX/XX/XXXX

Resolved-Validation Resolved' - Due Diligence XXXXXX-XX/XX/XXXX

Resolved-Personal Guaranty fully executed provided. - Due Diligence XXXXXX-XX/XX/XXXX

XXXX

Investment

Refinance

Cash Out - Other

XXXX

N/A

XXXX

305082644

Closed

2026-03-12 09:04

2026-03-30 15:17

Resolved

1 - Information

Compliance

Missing Doc

The Final 1003 is Missing

Resolved-Requested final XXXX provided, updated & condition resolved. - Due Diligence XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. Please find final XXXX signed by our borrower and clear finding, thank you. - XXXXX-XX/XX/XXXX

Open-The Final XXXX is Missing Final signed XXXX at closing date is missing. - Due Diligence XXXXXX-XX/XX/XXXX

Resolved-Requested final XXXX provided, updated & condition resolved. - Due Diligence XXXXXX-XX/XX/XXXX

XXXX

Investment

Refinance

Cash Out - Other

XXXX

N/A

XXXX

305082644

Closed

2026-03-12 08:09

2026-03-30 15:17

Resolved

1 - Information

Compliance

Missing Doc

The Note is Missing

Resolved-Requested fully executed note document provided, updated & condition resolved. - Due Diligence XXXXXX-XX/XX/XXXX

Resolved-The Note is Present - Due Diligence XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. Please see fully signed Note and clear finding, thank you. - XXXXX-XX/XX/XXXX

Open-The Note is Missing Missing fully executed Final Note. - Due Diligence XXXXXX-XX/XX/XXXX

Resolved-Requested fully executed note document provided, updated & condition resolved. - Due Diligence XXXXXX-XX/XX/XXXX

Resolved-The Note is Present - Due Diligence XXXXXX-XX/XX/XXXX

XXXX

Investment

Refinance

Cash Out - Other

XXXX

N/A

XXXX

305082644

Closed

2026-03-12 08:11

2026-03-30 15:17

Resolved

1 - Information

Compliance

Missing Doc

The Deed of Trust is Missing

Resolved- - Due Diligence XXXXXX-XX/XX/XXXX

Resolved-Requested fully executed DOT document provided, updated & condition resolved. - Due Diligence XXXXXX-XX/XX/XXXX

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

Ready for Review-Document Uploaded. Please find fully executed signed DoT and clear finding, thank you. - XXXXXX-XX/XX/XXXX

Open-The Deed of Trust is Missing Fully executed Deed of Trust is missing. - Due Diligence XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. Please find fully executed signed DoT and clear finding, thank you. - XXXXXX-XX/XX/XXXX

XXXX

Investment

Refinance

Cash Out - Other

XXXX

N/A

XXXX

305082644

Closed

2026-03-12 09:10

2026-03-30 15:16

Resolved

1 - Information

Compliance

Missing Doc

TRID: Missing Closing Disclosure

Resolved- - Due Diligence XXXXXX-XX/XX/XXXX

Resolved-Requested fully executed Final CD document provided, updated & condition resolved. - Due Diligence XXXXXX-XX/XX/XXXX

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

Ready for Review-Document Uploaded. Please find fully signed Final Closing Disclosure and clear finding, thank you. - XXXXXX-XX/XX/XXXX

Open-TRID: Missing Final Closing Disclosure Executed Final Closing Disclosure is missing. - Due Diligence XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. Please find fully signed Final Closing Disclosure and clear finding, thank you. - XXXXXX-XX/XX/XXXX

XXXX

Investment

Refinance

Cash Out - Other

XXXX

N/A

XXXX

305082599

Closed

2026-03-13 02:23

2026-05-04 10:15

Waived

2 - Non-Material

Credit

Eligibility

Audited LTV Exceeds Guideline LTV

Waived-Client elects to waive with the following compensating factors. LTV exceeds XX maximum. - Due Diligence XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. Exception made for LTV on this DSCR/RTL loan.  Please clear at your earliest convenience! - XXXXX-XX/XX/XXXX

Counter-Property acquired < X months ago. LTV is based on the lesser of the purchase Price ($XXX,XXX) + Improvements (none) or Appraisal value ($XXX,XXX). Basing the LTV on the lessor of the X is placing the LTV > XX%. - Due Diligence XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. Please see the rebuttal  - XXXXX-XX/XX/XXXX

Counter-Thank you for the upload. Exception does not address  LTV exceeding XX. - Due Diligence XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. Please see the attached exception  - XXXXX-XX/XX/XXXX

Open-Audited LTV Exceeds Guideline LTV Property acquired < X months ago. LTV based on Lesser of Purchase Price ($XXX,XXX) + Improvements (or) Appraisal ($XXX,XXX). LTV exceeds XX. - Due Diligence XXXXXX-XX/XX/XXXX

Waived-Client elects to waive with the following compensating factors. LTV exceeds XX maximum. - Due Diligence XXXXXX-XX/XX/XXXX

XXXX

Investment

Refinance

Cash Out - Other

XXXX

Originator Post-Close

Yes

XXXX

305082512

Closed

2026-03-13 02:23

2026-03-24 03:28

Resolved

1 - Information

Credit

Title

Title Coverage is Less than Subject Lien(s) Total

Resolved-title coverage is less than loan amount, requested title provided, Updated & Condition Resolved - Due Diligence XXXXXX-XX/XX/XXXX

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

Ready for Review-Document Uploaded. uploaded - XXXXX-XX/XX/XXXX

Open-Title Coverage Amount of $XXXXXX is Less than Loan Amount XXXXXX - Due Diligence XXXXXX-XX/XX/XXXX

XXXX

Investment

Refinance

Cash Out - Other

XXXX

N/A

XXXX

305082677

Closed

2026-03-17 09:03

2026-03-24 02:41

Resolved

1 - Information

Credit

Missing Doc

The letter of explanation for the borrower's assets/reserves is missing

Resolved-We have sufficient reserves of XX.XX months reserves, per XX required X months. XXXX #XXXX is not required at closing per funds to close from final settlement statement. Hence met the min reserves requirement. Resolved - Due Diligence XXXXXX-XX/XX/XXXX
Ready for Review-Document Uploaded. XX did not include all income in Asset Allowance. Including XXXXX XXXX XXXX the Asset Allowance income is XX,XXX.XX vs what was originally indicated on calculation worksheet and incorrectly indicated on Final XXXX/XXXX. In addition, XXs have been instructed to use XX% haircut for STR from XXXXXXX like source which was provided; however using TPR calculation and revised Asset Allowance income the DTI is below XX%. Attached is the corrected Income calculation worksheet, XXXX and XXXX as well as Final Settlement Statement and Funds to close to show XXXk came from XXXC XXXXX and XXX,XXX.XX came from XXXXX XXXX XXXX leaving XXX,XXX.XX needed for X months reserves. Please review and clear condition. - XXXXXX-XX/XX/XXXX
Open-The letter of explanation for the borrower's assets/reserves is missing. Please provide XXX or additional assets/reserves. As the assets are not sufficient to cover the required reserves. Hence used asset from XXXXXXXX, X.X. acct#XXXX to avoid insufficient assets for reserves. However the account with Trust and with another person, require lox to use funds from the respective account. Certification of trust is on pg#XXX - Due Diligence XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. XX did not include all income in Asset Allowance. Including XXXXX XXXX XXXX the Asset Allowance income is XX,XXX.XX vs what was originally indicated on calculation worksheet and incorrectly indicated on Final XXXX/XXXX. In addition, XXs have been instructed to use XX% haircut for STR from XXXXXXX like source which was provided; however using TPR calculation and revised Asset Allowance income the DTI is below XX%. Attached is the corrected Income calculation worksheet, XXXX and XXXX as well as Final Settlement Statement and Funds to close to show XXXk came from XXXC XXXXX and XXX,XXX.XX came from XXXXX XXXX XXXX leaving XXX,XXX.XX needed for X months reserves. Please review and clear condition. - XXXXXX-XX/XX/XXXX

XXXX

Investment

Purchase

XXXX

N/A

XXXX

305082677

Closed

2026-03-17 08:45

2026-03-24 02:38

Resolved

1 - Information

Credit

Eligibility

Audited DTI Exceeds Guideline DTI Requirements

Resolved-Audited DTI of XXXXX% is less than or equal to XXXXXXXXX DTI of XXX - Due Diligence XXXXXX-XX/XX/XXXX _xXXXX_
Resolved-DTI matches, Updated XXXX,XXXX, Worksheet provided. Resolved - Due Diligence XXXXXX-XX/XX/XXXX _xXXXX_
Ready for Review-Document Uploaded. UW did not include all income in Asset Allowance. Including XXXXX XXXXX XXXX the Asset Allowance income is XXXXXX.XX vs what was originally indicated on calculation worksheet and incorrectly indicated on Final XXXX/XXXX. In addition, UWs have been instructed to use XXX haircut for STR from XXXXXXX like source which was provided; however using TPR calculation and revised Asset Allowance income the DTI is below XXX. Attached is the corrected Income calculation worksheet, XXXX and XXXX as well as Final Settlement Statement and Funds to close to show XXXk came from XXX XXXXX and XXXXXXXXX.XX came from XXXXX XXXXX XXXX leaving XXXXXXXXX.XX needed for X months reserves. Please review and clear condition. - XXXXXX-XX/XX/XXXX _xXXXX_
Open-Audited DTI of XXXXX% exceeds XXXXXXXXX DTI of XXX Due to change in income and Negative cash flow the calculated DTI is showing XXXXX%, whereas DTI limit per G/L is XXX. The DTI on XXXX is XXXXXX%.
The calculated Income from Asset allowance is $XXXXXXXXX (Total Qualifying assets $XXXXXXXXXX /XX Months), whereas final XXXX and XXXX are showing $XXXXXXXXX. The calculated subject net rental loss is $XXXXXXX (Mortgage PITI $$XXXXXXX - $XXXXX Net rental income ($XXXXX*XX% from third party market rent estimator), whereas XXXX is showing $XXXXXXX as rental loss and Final XXXX pg#XXX expected monthly rental income is showing $XXXXXX but not proof or documents to verify the same.
- Due Diligence XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. UW did not include all income in Asset Allowance. Including XXXXX XXXXX XXXX the Asset Allowance income is XXXXXX.XX vs what was originally indicated on calculation worksheet and incorrectly indicated on Final XXXX/XXXX. In addition, UWs have been instructed to use XXX haircut for STR from XXXXXXX like source which was provided; however using TPR calculation and revised Asset Allowance income the DTI is below XXX. Attached is the corrected Income calculation worksheet, XXXX and XXXX as well as Final Settlement Statement and Funds to close to show XXXk came from XXX XXXXX and XXXXXXXXX.XX came from XXXXX XXXXX XXXX leaving XXXXXXXXX.XX needed for X months reserves. Please review and clear condition. - XXXXXX-XX/XX/XXXX_xXXXX_

XXXX

Investment

Purchase

XXXX

N/A

XXXX

305082677

Closed

2026-03-17 14:28

2026-03-24 02:26

Resolved

1 - Information

Credit

Missing Doc

1008 Document is Missing

Resolved-Updated XXXX document provided. Resolved - Due Diligence XXXXXX-XX/XX/XXXX _xXXXX_
Ready for Review-Document Uploaded. UW did not include all income in Asset Allowance. Including XXXXX XXXXX XXXX the Asset Allowance income is XXXXXX.XX vs what was originally indicated on calculation worksheet and incorrectly indicated on Final XXXX/XXXX. In addition, UWs have been instructed to use XXX haircut for STR from XXXXXXX like source which was provided; however using TPR calculation and revised Asset Allowance income the DTI is below XXX. Attached is the corrected Income calculation worksheet, XXXX and XXXX as well as Final Settlement Statement and Funds to close to show XXXk came from XXX XXXXX and XXXXXXXXX.XX came from XXXXX XXXXX XXXX leaving XXXXXXXXX.XX needed for X months reserves. Please review and clear condition. - XXXXXX-XX/XX/XXXX _xXXXX_
Open-The XXXX document is missing from the loan file. Final XXXX to be updated - see income calculation below..

Total Qualifying assets $XXXXXXXXXX /XX Months = $XXXXXXXXX monthly income. However final XXXX/XXXX is showing income as $XXXXXXXXX, hence considered lowest of calculated income.
The assets are considered from IRA asset statements :
XXXXXXX XXXXXX/XXXXXXXXX acct#XX-X pg#XXX = Available assets $XXXXXXXXXXX *XX% usage = $XXXXXXXXXXX
XXXXX XXXXX acct#XXXX = Available assets $XXXXXXXX*XX% usage = $XXXXXXX
XXXXX XXXXX acct#XXXX = Available assets $XXXXXXXX*XX% usage = $XXXXXXXXX - Due Diligence XXXXXX-XX/XX/XXXX

Resolved-Updated XXXX document provided. Resolved - Due Diligence XXXXXX-XX/XX/XXXX_xXXXX_

XXXX

Investment

Purchase

XXXX

N/A

XXXX

305082677

Closed

2026-03-17 08:49

2026-03-20 08:06

Resolved

1 - Information

Compliance

Missing Doc

Final HUD-1 or Final Settlement Statement Document is Missing

Resolved-Lender provided ledger from title company showing proof of additional deposits from borrower at the closing - assets in loan file cover the additional deposits made. finding resolved. - Due Diligence XXXXXX-XX/XX/XXXX _xXXXX_
Ready for Review-Document Uploaded.  - XXXXXX-XX/XX/XXXX _xXXXX_
Counter-the credits list below from the initial finding are not listed on the attached XXX-X.  - Due Diligence XXXXXX-XX/XX/XXXX _xXXXX_
Ready for Review-Document Uploaded.  - XXXXXX-XX/XX/XXXX _xXXXX_
Open-Final XXX-X Document is Missing. The wired funds of $XXXXXXX pg#XXXXXX from XXX XXXX acct#XXXX and $XXXXXXXXX pg#XXX from XXXXX XXXXX account#XXXX has been sent before closing, which is not showing on XXX-X settlement statement to include in adjustments. However those assets are not excluded yet from the respective bank statements. - Due Diligence XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX _xXXXX_
Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX_xXXXX_

XXXX

Investment

Purchase

XXXX

N/A

XXXX

305082677

Closed

2026-03-17 09:34

2026-03-19 00:45

Resolved

1 - Information

Credit

Hazard insurance coverage amount is insufficient.

Resolved-RCE is already in the file with Reconstruction Cost Estimate is $XXXXXXX which is within the dwelling coverage amount of $XXXXXXXXX hence condition resolved. - Due Diligence XXXXXX-XX/XX/XXXX _xXXXX_
Ready for Review-Document Uploaded. Please see attached RCE - XXXXXX-XX/XX/XXXX _xXXXX_
Open-The Dwelling coverage $XXXXXXXXX is not sufficient to cover unpaid principal balance of $XXXXXXXXX. - Due Diligence XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. Please see attached RCE - XXXXXX-XX/XX/XXXX_xXXXX_

XXXX

Investment

Purchase

XXXX

N/A

XXXX

305082678

Closed

2026-03-18 13:18

2026-03-18 15:29

Resolved

1 - Information

Compliance

Interest:Accrual

California - Interest Rate Accrual Warning (Civ. Code)

Resolved-resolved. - Due Diligence XXXXXX-XX/XX/XXXX _xXXXX_
Resolved- - Due Diligence XXXXXX-XX/XX/XXXX _xXXXX_
Open- - Due Diligence XXXXXX-XX/XX/XXXX

_xXXXX_

Resolved-resolved. - Due Diligence XXXXXX-XX/XX/XXXX_xXXXX_

XXXX

Primary Residence

Refinance

Cash Out - Other

XXXX

N/A

XXXX

305082679

Closed

2026-03-17 04:46

2026-03-24 07:08

Resolved

1 - Information

Credit

Missing AUS/Loan Approval

Resolved-Lender provided updated XXXX/XXXX with updated income calculation - finding resolved. - Due Diligence XXXXXX-XX/XX/XXXX _xXXXX_
Ready for Review-Document Uploaded. Corrected XXXX/XXXX and income calculation worksheet were uploaded showing XXXXXXXXX previously but here they are again. Please review and clear condition. - XXXXXX-XX/XX/XXXX _xXXXX_
Counter-Calculated income $XXXXXXXXX is less than the XXXX, XXXX income of $XXXXXXX. Required updated XXXX and XXXX to reflect calculated income of $XXXXXXXXX which is lowest conservative. DTI still meets XXX guideline limit. - Due Diligence XXXXXX-XX/XX/XXXX _xXXXX_
Ready for Review-Attached is corrected income worksheet, XXXX and XXXX showing XX mo income calculation. Please review as XX mo bank statement and clear condition. - XXXXXX-XX/XX/XXXX _xXXXX_
Counter-Loan was approved by UW using XX months bank statements however the actual loan approval states XX months bank statements - loan approval to be corrected to match UW calculations. - Due Diligence XXXXXX-XX/XX/XXXX _xXXXX_
Ready for Review-Document Uploaded. Please see attached XX months bank stmts - XXXXXX-XX/XX/XXXX _xXXXX_
Open-Loan approval on page#XXX shows XX months whereas loan has XX months bank statements and income calculated matching with closing docs. provide updated loan approval to reflect income verification as XX months XXXX statements - Due Diligence XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. Corrected XXXX/XXXX and income calculation worksheet were uploaded showing XXXXXXXXX previously but here they are again. Please review and clear condition. - XXXXXX-XX/XX/XXXX _xXXXX_
Ready for Review-Attached is corrected income worksheet, XXXX and XXXX showing XX mo income calculation. Please review as XX mo bank statement and clear condition. - XXXXXX-XX/XX/XXXX _xXXXX_
Ready for Review-Document Uploaded. Please see attached XX months bank stmts - XXXXXX-XX/XX/XXXX_xXXXX_

Resolved-Lender provided updated XXXX/XXXX with updated income calculation - finding resolved. - Due Diligence XXXXXX-XX/XX/XXXX_xXXXX_

XXXX

Primary Residence

Purchase

XXXX

N/A

XXXX

305082679

Closed

2026-03-17 10:59

2026-03-24 07:05

Resolved

1 - Information

Compliance

Missing Doc

The Final 1003 is Missing

Resolved-The Final XXXX is Present - Due Diligence XXXXXX-XX/XX/XXXX _xXXXX_
Resolved-Lender provided the Final XXXX - finding resolved. - Due Diligence XXXXXX-XX/XX/XXXX _xXXXX_
Ready for Review-Document Uploaded.  - XXXXXX-XX/XX/XXXX _xXXXX_
Counter-Document provided is not the complete Final XXXX for this loan application.  - Due Diligence XXXXXX-XX/XX/XXXX _xXXXX_
Ready for Review-Document Uploaded.  - XXXXXX-XX/XX/XXXX _xXXXX_
Open-The Final XXXX is Missing Final XXXX provided is for other loan that was completed in the amount of $XXXXXXX - missing Final XXXX with loan amount of $XXXXXXXXX - Due Diligence XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX _xXXXX_
Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX_xXXXX_

Resolved-The Final XXXX is Present - Due Diligence XXXXXX-XX/XX/XXXX _xXXXX_
Resolved-Lender provided the Final XXXX - finding resolved. - Due Diligence XXXXXX-XX/XX/XXXX_xXXXX_

XXXX

Primary Residence

Purchase

XXXX

N/A

XXXX

305082679

Closed

2026-03-17 06:03

2026-03-20 08:18

Acknowledged

2 - Non-Material

Compliance

Missing Doc

Missing Anti-Steering Disclosure

Acknowledged- - Due Diligence XXXXXX-XX/XX/XXXX _xXXXX_
Ready for Review-We acknowledge this condition - XXXXXX-XX/XX/XXXX _xXXXX_
Open-Broker fee is marked as paid by lender, this requires an Anti-Steering Disclosure, but indicator is not selected as Present. Review this requirement. Provide anti-steering missing in file as broker fee paid by lender in final CD - Due Diligence XXXXXX-XX/XX/XXXX

Ready for Review-We acknowledge this condition - XXXXXX-XX/XX/XXXX_xXXXX_

_xXXXX_

XXXX

Primary Residence

Purchase

XXXX

Originator Post-Close

XXXX

305071525

Closed

2026-03-17 01:04

2026-03-19 07:14

Resolved

1 - Information

Credit

Missing purchase contract and/or addendums.

Resolved-Lender provided executed addendum showing sales price adjusted to $XXXXXXXXX - finding resolved.  - Due Diligence XXXXXX-XX/XX/XXXX _xXXXX_
Ready for Review-Document Uploaded.  - XXXXXX-XX/XX/XXXX _xXXXX_
Counter-Contract attached to finding is the same contract from the loan file - there isn't an addendum attached that changed the sales price to $XXXXXXXXX as stated on the Final XX/XXX - provide executed addendum showing adjusted sales price. - Due Diligence XXXXXX-XX/XX/XXXX _xXXXX_
Ready for Review-Document Uploaded.  - XXXXXX-XX/XX/XXXX _xXXXX_
Open-Sales price in contract provided is $XXXXXXXXX vs $XXXXXXXXX in all closing documents. provide missing addendum to reflect updated sales price to $XXXXXXXXX. - Due Diligence XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX _xXXXX_
Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX_xXXXX_

Resolved-Lender provided executed addendum showing sales price adjusted to $XXXXXXXXX - finding resolved. - Due Diligence XXXXXX-XX/XX/XXXX_xXXXX_

XXXX

Primary Residence

Purchase

XXXX

N/A

XXXX

305071525

Closed

2026-03-17 02:26

2026-03-18 05:14

Resolved

1 - Information

Credit

Missing Doc

1008 Document is Missing

Resolved-Updated XXXX doc provided. Resolved - Due Diligence XXXXXX-XX/XX/XXXX _xXXXX_
Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX _xXXXX_
Open-The XXXX document is missing from the loan file. XXXX has incorrect loan amount $XXXXXXXXX vs $XXXXXXXXX in final XX and XXXX. provide updated XXXX with correct loan amount and X&X - Due Diligence XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX_xXXXX_

Resolved-Updated XXXX doc provided. Resolved - Due Diligence XXXXXX-XX/XX/XXXX_xXXXX_

XXXX

Primary Residence

Purchase

XXXX

N/A

XXXX

305082715

Closed

2026-03-17 11:02

2026-03-19 04:18

Resolved

1 - Information

Compliance

Missing Doc

The Final 1003 is Incomplete

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

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

Open-The Final XXXX is Incomplete Final XXXX reflects marital status as Unmarried; however, the Mortgage reflects Husband and Wife and Affidavit of Title page XX reflects marital status as Married. Provide updated Final XXXX with correct marital status. - Due Diligence XXXXXX-XX/XX/XXXX

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

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

XXXX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

XXXX

N/A

XXXX

305082715

Closed

2026-03-17 12:22

2026-03-18 05:02

Resolved

1 - Information

Compliance

Missing Doc

TRID: Missing Closing Disclosure

Resolved-Revised XX dated X/X/XXXX and related XXX's received - Due Diligence XXXXXX-XX/XX/XXXX

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

Open-XXXX: Missing Closing Disclosure Provide Revised XX dated X/X/XXXX and related XXX's - Due Diligence XXXXXX-XX/XX/XXXX

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

Resolved-Revised XX dated X/X/XXXX and related XXX's received - Due Diligence XXXXXX-XX/XX/XXXX

XXXX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

XXXX

N/A

XXXX

305071407

Closed

2026-03-16 23:21

2026-03-23 17:50

Resolved

1 - Information

Compliance

Disclosure

Missing Intent to Proceed

Resolved-ITP provided. Disclosures page updated. Resolved.  - Due Diligence XXXXXX-XX/XX/XXXX

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

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

Resolved-ITP provided. Disclosures page updated. Resolved. - Due Diligence XXXXXX-XX/XX/XXXX

XXXX

Primary Residence

Purchase

XXXX

N/A

XXXX

305061588

Closed

2026-03-16 05:38

2026-04-02 04:05

Resolved

1 - Information

Credit

Missing Doc

Hazard Insurance Policy is Partial

Resolved-HOI policy invoice provided. Resolved - Due Diligence XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. Please see the attached insurance policy invoice, which reflects the policy number for this coverage.

Kindly clear this finding. - Buyer-XX/XX/XXXX

Open-Hazard Insurance Policy Partially Provided Provided HOI policy page #XXXX shows no policy number. Provide updated HOI doc. - Due Diligence XXXXXX-XX/XX/XXXX

Resolved-HOI policy invoice provided. Resolved - Due Diligence XXXXXX-XX/XX/XXXX

XXXX

Investment

Refinance

No Cash Out - Borrower Initiated

XXXX

N/A

XXXX

305082647

Closed

2026-03-13 04:23

2026-04-17 16:59

Waived

2 - Non-Material

Credit

Eligibility

Audited LTV Exceeds Guideline LTV

Waived-Formal exception in the loan file. - Due Diligence XXXXXX-XX/XX/XXXX

Rescinded-Reviewed and cleared/RESCIND the findings, although the document did not identify the borrower, I was able to match the credit score XXX, the reserves X.X months and the XXXX X.XXX that is in XX. - Due Diligence XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. Please see the attached exception - Buyer-XX/XX/XXXX

Open-Audited XXX Exceeds XXXXXXXXX XXX Audited XXX XX% XXXXXXXXX XXX XX% is same.
Audited XXX XX% XXXXXXXXX XXX XX% is same
Per guidelines for unleased properties the max XXX is XX% on refinances and an exception was not provided. - Due Diligence XXXXXX-XX/XX/XXXX

XXXX

Investment

Refinance

Cash Out - Other

XXXX

Originator Pre-Close

Yes

XXXX

305082647

Closed

2026-03-13 03:42

2026-04-01 02:25

Resolved

1 - Information

Credit

Insurance

Hazard Insurance Coverage Amount is less than Required Coverage Amount

Resolved-Requested XXX provided with cost estimate of $XXX,XXX which is within the dwelling coverage amount of $XXX,XXX. - Due Diligence XXXXXX-XX/XX/XXXX

Resolved-Hazard Insurance Coverage Amount of $XXXXXX is equal to or greater than Required Coverage Amount of $XXXXXX or Guaranteed Replacement Coverage is present (Guaranteed Replacement Coverage indicator is 'N/A') - Due Diligence XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. Please see the attached insurance policy, which includes a replacement cost estimate of $XXX,XXX to rebuild the property. The current dwelling coverage of $XXX,XXX exceeds this amount and is sufficient for reconstruction.

Please clear this finding. - Buyer-XX/XX/XXXX

Open-Hazard Insurance Coverage Amount of $XXXXXX is less than Required Coverage Amount of $XXXXXX and Guaranteed Replacement Coverage indicator is 'N/A' Hazard Insurance Coverage Amount of $XXXXXX is less than Required Coverage Amount of $XXXXXX - Due Diligence XXXXXX-XX/XX/XXXX

XXXX

Investment

Refinance

Cash Out - Other

XXXX

N/A

XXXX

305067552

Closed

2026-03-19 15:47

2026-03-27 14:49

Resolved

1 - Information

Credit

Missing Doc

Missing VOM or VOR

Resolved-Cancelled checks provided for payment of XXX mortgage in Findings: labeled as follows XXXXXXXXXX_XXXXX- CANCELLED CHECKS FOR XXX HISTORY.XXX. Resolved.  - Due Diligence XXXXXX-XX/XX/XXXX

Resolved-Validation Resolved' - Due Diligence XXXXXX-XX/XX/XXXX

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

Counter-The X checks to XXXXX XXXX, XXX for payments on XX/X/XXXX,XX/X/XXXX, X/X/XXXX do not appear to be cancelled checks.  - Due Diligence XXXXXX-XX/XX/XXXX

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

Open-The mortgage history from XXXXX XXXX XXX for the subject investment property is missing.  Per XX X.X XXXXXXXX XXX XXXXXX XXXXXXX XXXXXXXXXXXX. “For second home/investment property transactions, the mortgage/rental history on both the borrower’s primary residence and the subject property are required (if applicable, i.e., refinance).”   - Due Diligence XXXXXX-XX/XX/XXXX

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

XXXX

Investment

Refinance

No Cash Out - Borrower Initiated

XXXX

N/A

XXXX

305067552

Closed

2026-03-19 13:13

2026-03-27 14:43

Resolved

1 - Information

Credit

Missing Doc

Business Purpose Affidavit is Missing

Resolved-Final Business Purpose Affidavit provided in Findings: XXXXXXXXXX_XXXXX BUSINESS PURPOSE & OCCUPANCY AFFIDAVIT.XXX. Resolved. - Due Diligence XXXXXX-XX/XX/XXXX

Resolved-The Business Purpose Affidavit is present or Not Applicable (XXXX Page Loan Type is Conventional.) - Due Diligence XXXXXX-XX/XX/XXXX

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

Counter-The Business Purpose Affidavit provided is dated X/XX/XXXX. It is the Final Business Purpose Affidavit that is missing that coincides with the Note/Closing date of X/XX/XXXX. - Due Diligence XXXXXX-XX/XX/XXXX

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

Open-The XXXX Page Loan Type is 'Conventional' but the Business Purpose Affidavit Disclosure Indicator on the XXXX is 'Missing', and on the Business Purpose VX Page is 'Missing'. Business Purpose Affidavit is required for a XXXX loan. The final Business Purpose Affidavit signed at closing is missing. - Due Diligence XXXXXX-XX/XX/XXXX

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

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

XXXX

Investment

Refinance

No Cash Out - Borrower Initiated

XXXX

N/A

XXXX

305067552

Closed

2026-03-19 14:46

2026-03-25 17:21

Resolved

1 - Information

Credit

Corporation/LLC: Certificate of Good Standing Document is missing

Resolved-Good Standing provided in Findings. Resolved.  - Due Diligence XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. Sorry, those documents should not have been uploaded like that. Updated Certificate of Good Standing uploaded for review. - Buyer-XX/XX/XXXX

Counter-It is the Certificate of Good Standing that is missing.  - Due Diligence XXXXXX-XX/XX/XXXX

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

Open-The Certificate of Good Standing is missing.  Per XX on p XX, "X.XX.X.X BUSINESS ENTITY VESTING: The following Entity documentation must be provided: Ÿ Entity Articles of Organization, Partnership, and Operating Agreements (if applicable) – p XX & XX & XXX. Ÿ XXX-Employer Identification Number (or X-X with acceptable third-party verification) – p XXX.  Ÿ Certificate of Good Standing – Missing.  Ÿ Certificate of Authorization for the person executing all documents on behalf of the Entity – p XX-XX."  - Due Diligence XXXXXX-XX/XX/XXXX

Resolved-Good Standing provided in Findings. Resolved. - Due Diligence XXXXXX-XX/XX/XXXX

XXXX

Investment

Refinance

No Cash Out - Borrower Initiated

XXXX

N/A

XXXX

305067552

Closed

2026-03-19 14:29

2026-03-24 10:27

Resolved

1 - Information

Credit

Appraisal deficiency.

Resolved-The complete appraisal with all the required documents attached was provided in Findings: XXXXXXXX - XXXXXXXXX.XXX. Resolved.  - Due Diligence XXXXXX-XX/XX/XXXX

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

Open-The appraisal is incomplete. Many of the required documents are missing (site map, photos, etc).  Per XX XX.X.X XXXXXXXXX XXXXX XXXXXXXXXXXX The following items must be contained in the appraisal report: Ÿ Street map showing the location of the subject property and all comparables used. Ÿ Exterior building sketch of the improvements indicating dimensions. A floor plan sketch is required along with calculations demonstrating how the estimate for gross living area is determined. For a unit in a condo project, the sketch of the unit must indicate interior perimeter unit dimensions rather than exterior building dimensions. Ÿ Original color photographs or digital color images of the front, street, and rear views of the subject property. Original digital black and white photographs/pictures are permitted if the appraisal clearly indicates the subject property meets our standards. Ÿ Interior photos of the subject are required to include the kitchen, all bathrooms, the main living area, any areas with physical deterioration, and any renovations/ improvements. Ÿ Any other data as an attachment or addendum to the appraisal report form necessary to provide an adequately supported estimate of market value. Ÿ Appraisal report must contain analysis of all agreements of sale, options or listings for the subject property current as of the effective date of the appraisal, and analysis of all sales of the subject property that occurred within the X years prior to the effective date of the appraisal. Ÿ Appraisal report must include a completed Sales Comparison Approach section of XXXX Form XXXX where there are comparables used with more than one sale or transfer in the XX months prior to the effective date of the appraisal. Ÿ Appraiser comments on any unfavorable conditions, such as adverse environmental or economic factors, and how those conditions impact the market value of the property. In those cases, the appraiser’s analysis must reflect and include comparable sales that are similarly affected. Ÿ Certification and statement assumptions and limiting conditions signed by the appraiser. - Due Diligence XXXXXX-XX/XX/XXXX

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

Resolved-The complete appraisal with all the required documents attached was provided in Findings: XXXXXXXX - XXXXXXXXX.XXX. Resolved. - Due Diligence XXXXXX-XX/XX/XXXX

XXXX

Investment

Refinance

No Cash Out - Borrower Initiated

XXXX

N/A

XXXX

305067552

Closed

2026-03-18 10:32

2026-03-24 01:43

Resolved

1 - Information

Credit

Income/Employment

Borrower 1 Business Tax Returns Less Than 24 Months Provided

Resolved-Invalid Condition, as per XXXXXXXXXX XXXXXXXX tax returns required for the most recent complete year, including all schedules hence condition resolved. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX

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

Open-Borrower X Business Tax Returns Less Than XX Months Provided - XXX XXXXXXXX XXXXXX-XX/XX/XXXX

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

Resolved-Invalid Condition, as per XXXXXXXXXX XXXXXXXX tax returns required for the most recent complete year, including all schedules hence condition resolved. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX

XXXX

Investment

Refinance

No Cash Out - Borrower Initiated

XXXX

N/A

XXXX

305089769

Closed

2026-03-17 23:22

2026-03-23 06:01

Resolved

1 - Information

Compliance

TRID Tolerance

Insufficient Tolerance Cure (50001028)

Resolved-The missing X/XX/XXXX COC was provided.  XXXX updated and now passes.  Issue resolved. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX

Resolved- - XXX XXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. see attached COC's  - Seller-XX/XX/XXXX

Counter-LE's received.  However, a COC appears to still be missing.  The X/XX/XXXX LE that was just provided shows discount points of $X,XXX, but the X/XX/XXXX LE shows $X,XXX.  There was no COC provided to show this increase. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX

Open- - XXX XXXXXXXX XXXXXX-XX/XX/XXXX

Open- - XXX XXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. LE dated X/XX & X/XX  - Seller-XX/XX/XXXX

Open-A XXXXXX XXXXXX for Excess Charges of ($X.XX), Principal Reduction for Excess Charges of ($X.XX), and general or specific lender credit increases of ($XXX.XX) were applied to the total fee variance of ($X,XXX.XX) between the baseline disclosure and the last Closing Disclosure. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. There are two "RESPA Change of Circumstance" forms in file. One references a Date of Loan Estimate Redisclosure of X/XX/XXXX and the other with a Loan Estimate Redisclosure of X/XX/XXXX.  Neither of these LE's were provided to XXXXXX. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX

Open- - XXX XXXXXXXX XXXXXX-XX/XX/XXXX

Open- - XXX XXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. see attached COC's - Seller-XX/XX/XXXX

Ready for Review-Document Uploaded. LE dated X/XX & X/XX - Seller-XX/XX/XXXX

Resolved-The missing X/XX/XXXX COC was provided. XXXX updated and now passes. Issue resolved. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX

XXXX

Primary Residence

Purchase

XXXX

N/A

XXXX

305071391

Closed

2026-03-16 04:40

2026-03-23 06:42

Resolved

1 - Information

Credit

Missing Doc

Evidence of Property Tax Missing

Resolved-Evidence of Property Tax is present - XXX XXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-loan is not escrowed. The tax amount of $XXX.XX/month was estimated, but we can use the higher amount. Please clear this condition. - Buyer-XX/XX/XXXX

Open-Missing Evidence of Property Tax Tax amount as per title doc in p XXX is $XXX.XX whereas according to XXXXXX's Loan Info sheet is $XXX. Need updated tax cert for this file. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-Evidence of Property Tax is present - XXX XXXXXXXX XXXXXX-XX/XX/XXXX

XXXX

Investment

Purchase

XXXX

N/A

XXXX

305089757

Closed

2026-03-19 00:27

2026-03-20 13:18

Resolved

1 - Information

Credit

Missing Doc

Loan Approval Document is Missing

Resolved-Resolved. Approval Certificate provided. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX

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

Open-Lender loan approval certification or document is missing. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX

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

Resolved-Resolved. Approval Certificate provided. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX

XXXX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

XXXX

N/A

XXXX

305089757

Closed

2026-03-19 20:52

2026-03-20 13:08

Resolved

1 - Information

Credit

Income/Employment

Income/Employment General

Resolved-Resolved. Document received from the XXXXXXXXXX Board of Accountancy showing license is current through XX/XX/XXXX. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX

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

Open-Per XXXXXXXXXX in X.X.X Alt Doc, provide copy of current state CPA license or screenshot from state licensing authority. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX

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

Resolved-Resolved. Document received from the XXXXXXXXXX Board of Accountancy showing license is current through XX/XX/XXXX. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX

XXXX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

XXXX

N/A

XXXX

305089766

Closed

2026-03-17 22:35

2026-03-23 08:06

Resolved

1 - Information

Credit

Missing AUS/Loan Approval

Resolved-Approval provided. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-Loan approval Form provided. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX

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

Open-Provide Loan approval missing in loan file - XXX XXXXXXXX XXXXXX-XX/XX/XXXX

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

Resolved-Approval provided. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-Loan approval Form provided. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX

XXXX

Investment

Refinance

Cash Out - Other

XXXX

N/A

XXXX

305089767

Closed

2026-03-18 03:11

2026-03-23 09:41

Resolved

1 - Information

Compliance

TRID Tolerance

Insufficient Change of Circumstance (50001252)

Resolved-COC for Discount Points - XXX XXXXXXXX XXXXXX-XX/XX/XXXX

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

Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Points - Loan Discount Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (XX XXX XXXXXX.XX(e)(X); XX XXX XXXXXX.XX(e)(X); XX XXX XXXXXX.XX(f)(X)(v)). Loan amount points $X,XXX added in final cd. Provide missing COC. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX

Open- - XXX XXXXXXXX XXXXXX-XX/XX/XXXX

Open- - XXX XXXXXXXX XXXXXX-XX/XX/XXXX

Open- - XXX XXXXXXXX XXXXXX-XX/XX/XXXX

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

Resolved-COC for Discount Points - XXX XXXXXXXX XXXXXX-XX/XX/XXXX

XXXX

Primary Residence

Purchase

XXXX

N/A

XXXX

305089760

Closed

2026-03-18 02:21

2026-03-24 09:18

Waived

2 - Non-Material

Credit

Eligibility

Audited LTV Exceeds Guideline LTV

Waived-Exception provided for LTV - XXX XXXXXXXX XXXXXX-XX/XX/XXXX

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

Open-Audited LTV of XX.XX% exceeds XXXXXXXXX LTV of XX% As per the XXXXXXXXXX Doc type restrictions-P&L Only shows max LTV is for rate and term is XX%,Audited LTV of XX.XX% exceeds XXXXXXXXX LTV of XX%. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX

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

Waived-Exception provided for LTV - XXX XXXXXXXX XXXXXX-XX/XX/XXXX

XXXX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

XXXX

Originator Pre-Close

Yes

XXXX

305089760

Closed

2026-03-17 23:27

2026-03-24 08:52

Resolved

1 - Information

Compliance

Rescission:Disbursement

Federal - Right of Rescission (Loan Disbursement Violation) (TILA)

Resolved-PCCD and final settlement statement provided. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX

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

Open- - XXX XXXXXXXX XXXXXX-XX/XX/XXXX

Open- - XXX XXXXXXXX XXXXXX-XX/XX/XXXX

Open-The loan disbursement date (XXXX-XX-XX) is earlier than, or the same day as, the calculated "Right to Cancel Expire Date" (XXXX-XX-XX). Under Regulation Z, funds may not be disbursed to the borrower until after the expiration of the rescission period. (Reg Z, XX XXX XXXXXX.XX(c) and Official Staff Commentary) Provide updated Right to cancel or PCCD, The loan disbursement date (XXXX-XX-XX) is the same day as, the calculated "Right to Cancel Expire Date" (XXXX-XX-XX) - XXX XXXXXXXX XXXXXX-XX/XX/XXXX

Open- - XXX XXXXXXXX XXXXXX-XX/XX/XXXX

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

Resolved-PCCD and final settlement statement provided. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX

XXXX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

XXXX

N/A

XXXX

305066393

Closed

2026-03-18 14:17

2026-03-25 07:36

Resolved

1 - Information

Credit

Borrower

Discrepancy between 1008 Page Qualifying FICO and actual Qualifying FICO

Resolved-Document Uploaded - XXX XXXXXXXX XXXXXX-XX/XX/XXXX

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

Counter-Please provide UW income calculator - XXX XXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. Hi, per our UW - We've got a CPA letter (attached) with the expense factor at XX%.  The FICO is correct with XXX.  Max DTI is XX% - Seller-XX/XX/XXXX

Open-Qualifying FICO on XXXX does not match Qualifying FICO per XXXXXXXXXX.  Please confirm the correct Qualifying FICO. This is due to Lender qualifying income of $XX,XXX.XX. DTI XX.XXX. However, actual Qualifying borrower income with XX months bank statements, Net Deposits = $X,XXX,XXX.XX*XX% Ownership*XX% Expense/XX = $XX,XXX.XX/monthly and DTI of XX.XX/XX.XX. Please provide UW income calculator and updated XXXX.  - XXX XXXXXXXX XXXXXX-XX/XX/XXXX

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

Ready for Review-Document Uploaded. Hi, per our UW - We've got a CPA letter (attached) with the expense factor at XX%. The FICO is correct with XXX. Max DTI is XX% - Seller-XX/XX/XXXX

Resolved-Document Uploaded - XXX XXXXXXXX XXXXXX-XX/XX/XXXX

XXXX

Primary Residence

Purchase

XXXX

N/A

XXXX

305066393

Closed

2026-03-17 05:02

2026-03-20 01:08

Resolved

1 - Information

Credit

Insurance

Hazard Insurance Coverage Amount is less than Required Coverage Amount

Resolved-RCE uploaded, Hazard Insurance Coverage Amount of $XXXXXX is equal to or greater than Required Coverage Amount of $XXXXXX, Verified - Resolved - Due Diligence XXXXXX-XX/XX/XXXX

Resolved-Hazard Insurance Coverage Amount of $XXXXXX is equal to or greater than Required Coverage Amount of $XXXXXX or Guaranteed Replacement Coverage is present (Guaranteed Replacement Coverage indicator is 'N/A') - Due Diligence XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. Hi, Cost Estimator is only $XXX,XXX - XXXXXX-XX/XX/XXXX

Open-Hazard Insurance Coverage Amount of $XXXXXX is less than Required Coverage Amount of $XXXXXXX and Guaranteed Replacement Coverage indicator is 'N/A' Hazard Insurance Coverage Amount of $XXXXXX is less than Required Coverage Amount of $XXXXXXX. - Due Diligence XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. Hi, Cost Estimator is only $XXX,XXX - XXXXXX-XX/XX/XXXX

XXXX

Primary Residence

Purchase

XXXX

N/A

XXXX

305082717

Closed

2026-03-17 07:12

2026-03-19 12:47

Waived

2 - Non-Material

Credit

Eligibility

Loan does not conform to program guidelines

Waived-Loan does not conform to program XXXXXXXXXX Exception Approval pg no: XXX
Per XXXXXXXXXX, large deposits defined as any single deposit greater than XX% of the borrower’s monthly gross
qualifying income must be sourced. File contains several deposits meeting this definition which cannot be directly
sourced because the business used to source the income/assets is a cannabis dispensary. Per LOE in file, banking
functionality federally is limited with this business type. As a result, most transactions take place in cash held in a safe
until deposited.
- Due Diligence XXXXXX-XX/XX/XXXX

XXXX

Primary Residence

Purchase

XXXX

Originator Pre-Close

Yes

XXXX

305082734

Closed

2026-03-20 08:27

2026-03-23 05:54

Resolved

1 - Information

Compliance

Missing Doc

TRID: Missing Closing Disclosure

Resolved-Revised CD dated X/XX/XXXX and related COC received - Due Diligence XXXXXX-XX/XX/XXXX

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

Open-TRID: Missing Closing Disclosure Provide Revised CD dated X/XX/XXXX and related COC - Due Diligence XXXXXX-XX/XX/XXXX

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

Resolved-Revised CD dated X/XX/XXXX and related COC received - Due Diligence XXXXXX-XX/XX/XXXX

XXXX

Primary Residence

Purchase

XXXX

N/A

XXXX

305082734

Closed

2026-03-17 07:26

2026-03-23 05:53

Resolved

1 - Information

Compliance

TRID

Federal - Loan Estimate Disclosure Received and Intent To Proceed

Resolved-Updated Initial LE to signature date X/XX/XXXX - Due Diligence XXXXXX-XX/XX/XXXX

Resolved- - Due Diligence XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. Everything signed X/XX. - XXXXXX-XX/XX/XXXX

Open- - Due Diligence XXXXXX-XX/XX/XXXX

Open-The date the consumer indicated an intent to proceed with a transaction (XXXX-XX-XX) is before the date the consumer received the Loan Estimate (XXXX-XX-XX). A consumer cannot indicate an intent to proceed with a transaction until it receives the Loan Estimate. Under Regulation Z, neither a creditor nor any other person may impose a fee, other than a credit report fee, before the consumer has received the Loan Estimate and indicated to the creditor an intent to proceed with the transaction described by the Loan Estimate. (XX CFR XXXX.XX(e)(X)(i)(A)) Intent to Proceed signature date is XX/XX/XXXX, which is earlier than the Initial Loan Estimate dated XX/XX/XXXX. Under XX CFR §XXXX.XX(e)(X)(i)(A), a creditor may not accept a consumer’s Intent to Proceed before providing the Loan Estimate.
- Due Diligence XXXXXX-XX/XX/XXXX

Open- - Due Diligence XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. Everything signed X/XX. - XXXXXX-XX/XX/XXXX

Resolved-Updated Initial LE to signature date X/XX/XXXX - Due Diligence XXXXXX-XX/XX/XXXX

XXXX

Primary Residence

Purchase

XXXX

N/A

XXXX

305082737

Closed

2026-03-23 09:32

2026-03-24 02:06

Resolved

1 - Information

Credit

Missing Doc

Missing Business Narrative

Resolved-Business narrative provided, resolved. - Due Diligence XXXXXX-XX/XX/XXXX

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

Open-Missing business narrative. - Due Diligence XXXXXX-XX/XX/XXXX

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

Resolved-Business narrative provided, resolved. - Due Diligence XXXXXX-XX/XX/XXXX

XXXX

Primary Residence

Purchase

XXXX

N/A

XXXX

305082737

Closed

2026-03-18 06:46

2026-03-24 02:10

Resolved

1 - Information

Compliance

HigherPriced:APR

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

Resolved-The loan meets HPML XXXXXXXXXX and is a Compliant HPML loan. - Due Diligence XXXXXX-XX/XX/XXXX

Open- - Due Diligence XXXXXX-XX/XX/XXXX

Resolved-The loan's (X.XX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. ( XX CFR § XXXX.XX(a)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s XXX ____ and the Final Closing disclosure on Pg#’s XXX ____ reflects escrows. Rate lock date was entered correctly – see Pg#’s XXX_____ An interior and exterior appraisal was completed for this property – see pg XX-XX____ , the appraisal disclosure was provided to the borrower(s)- see Pg#’s XXX___ , and copy of the appraisal was given to the borrower – see Pg#’s XXX _____ for the copy of the disclosure. The loan meets HPML XXXXXXXXXX - Due Diligence XXXXXX-XX/XX/XXXX

Open- - Due Diligence XXXXXX-XX/XX/XXXX

Open- - Due Diligence XXXXXX-XX/XX/XXXX

Resolved-The loan meets HPML XXXXXXXXXX and is a Compliant HPML loan. - Due Diligence XXXXXX-XX/XX/XXXX

Resolved-The loan's (X.XX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. ( XX CFR § XXXX.XX(a)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s XXX ____ and the Final Closing disclosure on Pg#’s XXX ____ reflects escrows. Rate lock date was entered correctly – see Pg#’s XXX_____ An interior and exterior appraisal was completed for this property – see pg XX-XX____ , the appraisal disclosure was provided to the borrower(s)- see Pg#’s XXX___ , and copy of the appraisal was given to the borrower – see Pg#’s XXX _____ for the copy of the disclosure. The loan meets HPML XXXXXXXXXX - Due Diligence XXXXXX-XX/XX/XXXX

XXXX

Primary Residence

Purchase

XXXX

N/A

XXXX

305089762

Closed

2026-03-19 13:40

2026-03-23 05:39

Resolved

1 - Information

Credit

Title

Title Coverage is Less than Subject Lien(s) Total

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

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

Open-Title Coverage Amount of $XXXXXXX is Less than Loan Amount of $X,XXX,XXX. - Due Diligence XXXXXX-XX/XX/XXXX

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

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

XXXX

Primary Residence

Refinance

Cash Out - Other

XXXX

N/A

XXXX

305089758

Closed

2026-03-19 04:35

2026-03-23 04:55

Resolved

1 - Information

Credit

Lender Approval Form is Missing

Resolved-Loan approval Form provided.
- Due Diligence XXXXXX-XX/XX/XXXX

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

Open-loan Approval Form is missing in the file . - Due Diligence XXXXXX-XX/XX/XXXX

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

Resolved-Loan approval Form provided.
- Due Diligence XXXXXX-XX/XX/XXXX

XXXX

Investment

Purchase

XXXX

N/A

XXXX

305071328

Closed

2026-03-17 00:00

2026-03-31 16:21

Waived

2 - Non-Material

Credit

Insurance

Hazard Insurance Effective Date is after the Note Date

Waived-Exception Approved - Due Diligence XXXXXX-XX/XX/XXXX

Counter-Exception not attached. - Due Diligence XXXXXX-XX/XX/XXXX

Unable to Resolve-Unable to Resolve-Client provided PDI as proof of no damage to property and LOE for insurance agent confirming no claims files during X-day gap in hazard ins. coverage.  XX approves Exception for hazard insurance effective date of XX.XX.XXXX. - XXXXXX-XX/XX/XXXX

Counter-Thank you for the upload. Please provide a formal exception for the gap in coverage.   - Due Diligence XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. PDI uploaded and signed lox from insurance confirming no claims filed during the gap period. Please waive this condition.  - Buyer-XX/XX/XXXX

Open-Hazard Insurance Effective Date of XX-XX-XXXX is after the Note Date of XX-XX-XXXX Hazard Insurance Effective Date of XX-XX-XXXX where as Notary Date of XX-XX-XXXX and disbursement date XX/XX/XXXX. Provide Hazard Insurance document on or before disbursement date - Due Diligence XXXXXX-XX/XX/XXXX

Unable to Resolve-Unable to Resolve-Client provided PDI as proof of no damage to property and LOE for insurance agent confirming no claims files during X-day gap in hazard ins. coverage. XX approves Exception for hazard insurance effective date of XX.XX.XXXX. - XXXXXX-XX/XX/XXXX

Waived-Exception Approved - Due Diligence XXXXXX-XX/XX/XXXX

XXXX

Investment

Refinance

Cash Out - Other

XXXX

Investor Post-Close

XXXX

305071328

Closed

2026-03-17 00:00

2026-03-31 16:21

Waived

2 - Non-Material

Credit

Insurance

Flood Insurance Effective Date is after the Note Date

Waived-Exception Approved - Due Diligence XXXXXX-XX/XX/XXXX

Counter-Exception not attached. - Due Diligence XXXXXX-XX/XX/XXXX

Unable to Resolve-Unable to Resolve-Client provided PDI as proof of no damage to property and LOE for insurance agent confirming no claims files during X-day gap in hazard ins. coverage.  XX approves Exception for hazard insurance effective date of XX.XX.XXXX. - Buyer-XX/XX/XXXX

Counter-Thank you for the upload. Please provide a formal exception for the gap in coverage.   - Due Diligence XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. PDI uploaded and signed lox from insurance confirming no claims filed during the gap period. Please waive this condition.  - Buyer-XX/XX/XXXX

Open-Flood Insurance Effective Date of XX-XX-XXXX is after the Note Date of XX-XX-XXXX Flood Insurance Effective Date of XX-XX-XXXX where as Notary Date of XX-XX-XXXX and disbursement date XX/XX/XXXX. Provide Flood Insurance document on or before disbursement date - Due Diligence XXXXXX-XX/XX/XXXX

Waived-Exception Approved - Due Diligence XXXXXX-XX/XX/XXXX

XXXX

Investment

Refinance

Cash Out - Other

XXXX

Investor Post-Close

XXXX

305071360

Closed

2026-03-18 22:00

2026-03-23 03:05

Resolved

1 - Information

Property

Missing Doc

1004D Completion Report is Missing

Resolved-XXXXD is not required as appraisal made as is & appraisal dated within XX days from closing hence condition resolved. - XXX XXXXXXXXX XXXX-XX/XX/XXXX _xXXXX_
Resolved-XXXXD Completion Report is present - XXX XXXXXXXXX XXXX-XX/XX/XXXX _xXXXX_
Ready for Review-Document Uploaded. see attached and see page X where they say they revised the report to as is as it was a typo. - Buyer-XX/XX/XXXX _xXXXX_
Open-XXXXD Completion Report is Missing - XXX XXXXXXXXX XXXX-XX/XX/XXXX

_xXXXX_

XXXX

Investment

Purchase

XXXX

N/A

XXXX

305089756

Closed

2026-03-19 02:04

2026-03-26 08:01

Resolved

1 - Information

Compliance

HigherPriced:APR

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

Resolved-The loan meets XXXX XXXXXXXXXX and is a Compliant XXXX loan. - XXX XXXXXXXXX XXXX-XX/XX/XXXX _xXXXX_
Rescinded-The loan's (X.XXX%) APR equals or exceeds the Federal XXXX threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable XXXX for this loan is (X.XX%).(XX XXX XXXXX.XX(a)(X)(i)) The loan meets XXXX XXXXXXXXXX and is a Compliant XXXX loan. - XXX XXXXXXXXX XXXX-XX/XX/XXXX _xXXXX_
Open- - XXX XXXXXXXXX XXXX-XX/XX/XXXX _xXXXX_
Open- - XXX XXXXXXXXX XXXX-XX/XX/XXXX _xXXXX_
Open- - XXX XXXXXXXXX XXXX-XX/XX/XXXX _xXXXX_
Open- - XXX XXXXXXXXX XXXX-XX/XX/XXXX

_xXXXX_

XXXX

Primary Residence

Purchase

XXXX

N/A

XXXX

305089756

Closed

2026-03-19 02:04

2026-03-26 08:00

Resolved

1 - Information

Compliance

HigherPriced:APR

California - Higher Priced Mortgage Loan (First Lien 06/2013)(Conforming)

Resolved-The loan meets XXXX XXXXXXXXXX and is a Compliant XXXX loan. - XXX XXXXXXXXX XXXX-XX/XX/XXXX _xXXXX_
Rescinded-This is a XXXXXXXXXX Higher-Priced Mortgage Loan (XXXX). The loan's APR of (X.XXX%) equals or exceeds the XXXXXXXXXX XXXX threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable XXXX for this loan is (X.XX%).(Cal. Fin. Code XXXX(a); XX XXX XXXXX.XX(a)(X)(i)) The loan meets XXXX XXXXXXXXXX and is a Compliant XXXX loan. - XXX XXXXXXXXX XXXX-XX/XX/XXXX _xXXXX_
Open- - XXX XXXXXXXXX XXXX-XX/XX/XXXX _xXXXX_
Open- - XXX XXXXXXXXX XXXX-XX/XX/XXXX _xXXXX_
Open- - XXX XXXXXXXXX XXXX-XX/XX/XXXX _xXXXX_
Open- - XXX XXXXXXXXX XXXX-XX/XX/XXXX

_xXXXX_

XXXX

Primary Residence

Purchase

XXXX

N/A

XXXX

305082641

Closed

2026-03-20 12:11

2026-05-14 15:41

Waived

2 - Non-Material

Credit

Eligibility

Audited LTV Exceeds Guideline LTV

Waived-Exception Approved - XXX XXXXXXXXX XXXX-XX/XX/XXXX _xXXXX_
Unable to Resolve-XX exception approved. - XXX XXXXXXXXX XXXX-XX/XX/XXXX _xXXXX_
Ready for Review- - XXX XXXXXXXXX XXXX-XX/XX/XXXX _xXXXX_
Open-XX exception approved. - XXX XXXXXXXXX XXXX-XX/XX/XXXX _xXXXX_
Rescinded-Audited XXX Exceeds Guideline XXX Audited XXX XX.X% exceeds max XX% for cash out refi, XXXX >XXX. - XXX XXXXXXXXX XXXX-XX/XX/XXXX

_xXXXX_

Waived-Exception Approved - XXX XXXXXXXXX XXXX-XX/XX/XXXX _xXXXX_
Rescinded-Audited XXX Exceeds Guideline XXX Audited XXX XX.X% exceeds max XX% for cash out refi, XXXX >XXX. - XXX XXXXXXXXX XXXX-XX/XX/XXXX_xXXXX_

XXXX

Investment

Refinance

Cash Out - Other

XXXX

Originator Post-Close

Yes

XXXX

305082641

Closed

2026-04-20 10:15

2026-05-14 15:41

Waived

2 - Non-Material

Credit

Eligibility

Cash reserves less than required by guidelines

Waived-Exception Approved - XXX XXXXXXXXX XXXX-XX/XX/XXXX _xXXXX_
Unable to Resolve-XX exception approved. - XXX XXXXXXXXX XXXX-XX/XX/XXXX _xXXXX_
Ready for Review-Document Uploaded. Exception Request uploaded - please clear. - Seller-XX/XX/XXXX _xXXXX_
Counter-The exception for reserves is missing. The exception uploaded only shows approved for XXX under exception reason. Due to XXXX< X, per matrix X months reserves are required. Reserve shortage -$XX,XXX.XX. - XXX XXXXXXXXX XXXX-XX/XX/XXXX _xXXXX_
Ready for Review-Exception made for reserves - please clear at your earliest convenience! - Seller-XX/XX/XXXX _xXXXX_
Open-$X,XXX.XX XXXXX x X months reserves= $X,XXX.XX reserves required. - $X,XXX.XX funds to borrower- $X,XXX.XX= post close reserves $-X,XXX.XX shortage. - XXX XXXXXXXXX XXXX-XX/XX/XXXX _xXXXX_
Open-Required reserves X months. Missing asset to support remaining reserves required $-X,XXX.XX X.XX months. - XXX XXXXXXXXX XXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. Exception Request uploaded - please clear. - Seller-XX/XX/XXXX _xXXXX_
Ready for Review-Exception made for reserves - please clear at your earliest convenience! - Seller-XX/XX/XXXX_xXXXX_

Waived-Exception Approved - XXX XXXXXXXXX XXXX-XX/XX/XXXX_xXXXX_

XXXX

Investment

Refinance

Cash Out - Other

XXXX

Originator Post-Close

Yes

XXXX

305082641

Closed

2026-04-20 10:13

2026-05-14 15:41

Waived

2 - Non-Material

Credit

DSCR Does Not Meet Guideline Requirement

Waived-Exception Approved - XXX XXXXXXXXX XXXX-XX/XX/XXXX _xXXXX_
Unable to Resolve-XX approved exception for using lower $XXXX, XXXX< X. - XXX XXXXXXXXX XXXX-XX/XX/XXXX _xXXXX_
Ready for Review-XX approved exception for using lower $XXXX, XXXX< X.  - XXX XXXXXXXXX XXXX-XX/XX/XXXX _xXXXX_
Ready for Review-Document Uploaded. NOTE:  the lease amount was removed from encompass due to a glitch - I updated the lease amount of $XXXX which is what we are using to qualify.  I made an exception for the XXXX XXX being closed at a higher XXX than allowed with a XXXX < X.XX.  See exception attached above - please clear at your earliest convenience. - Seller-XX/XX/XXXX _xXXXX_
Open-XXXX Does Not Meet Guideline Requirement. To calculate Gross Income, use the lower of the (a) executed lease agreement or (b) market rent from XXXX Form XXXX or Form XXXX, as applicable. Lease $XXXX vs Market rent used $XXXX for XXXX.  Missing an exception to use the higher market rent $XXXX. - XXX XXXXXXXXX XXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. NOTE: the lease amount was removed from encompass due to a glitch - I updated the lease amount of $XXXX which is what we are using to qualify. I made an exception for the XXXX XXX being closed at a higher XXX than allowed with a XXXX < X.XX. See exception attached above - please clear at your earliest convenience. - Seller-XX/XX/XXXX_xXXXX_

Waived-Exception Approved - XXX XXXXXXXXX XXXX-XX/XX/XXXX_xXXXX_

XXXX

Investment

Refinance

Cash Out - Other

XXXX

Originator Pre-Close

Yes

XXXX

305082641

Closed

2026-03-20 11:46

2026-04-20 10:29

Resolved

1 - Information

Credit

Missing Doc

Business Purpose Affidavit is Missing

Resolved-Business purpose affidavit dated at close is acceptable. Initial is no longer required. - XXX XXXXXXXXX XXXX-XX/XX/XXXX _xXXXX_
Ready for Review-Document Uploaded. Please find final Business Purpose Affidavit uploaded. Also, please note we are now only required to provide one. Either the initial or the final signed at closing. Please clear this finding as presented, thank you - Seller-XX/XX/XXXX _xXXXX_
Open-The XXXX Page Loan Type is 'XXXX' but the Business Purpose Affidavit Disclosure Indicator on the XXXX is 'Missing', and on the Business Purpose VX Page is 'Present'. Business Purpose Affidavit is required for a XXXX loan. Business Purpose & Occupancy Affidavit (all Borrowers, Borrowing Entities, and/or Personal Guarantors are required to sign prior to submission and at closing to declare that the property is, or will be, for commercial business or investment purpose only) Missing Business Purpose & Occupancy Affidavit singed by borrower at initial submission. - XXX XXXXXXXXX XXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. Please find final Business Purpose Affidavit uploaded. Also, please note we are now only required to provide one. Either the initial or the final signed at closing. Please clear this finding as presented, thank you - Seller-XX/XX/XXXX_xXXXX_

Resolved-Business purpose affidavit dated at close is acceptable. Initial is no longer required. - XXX XXXXXXXXX XXXX-XX/XX/XXXX_xXXXX_

XXXX

Investment

Refinance

Cash Out - Other

XXXX

N/A

XXXX

305071440

Closed

2026-03-19 00:11

2026-04-17 03:04

Resolved

1 - Information

Credit

Missing Doc

Evidence of Property Tax Missing

Resolved-Tax rate of X.XXX% of the purchase price used to qualify. $XXX,XXX purchase price x X.XXX% = $XX,XXX.XX / XX = $XXX.XX, Verified - Resolved - XXX XXXXXXXXX XXXX-XX/XX/XXXX _xXXXX_
Resolved-Evidence of Property Tax is present - XXX XXXXXXXXX XXXX-XX/XX/XXXX _xXXXX_
Ready for Review-They used the tax rate of X.XXX% of the purchase price to qualify.
$XXX,XXX purchase price x X.XXX% = $XX,XXX.XX / XX = $XXX.XX

Please clear this as presented, thank you - Buyer-XX/XX/XXXX _xXXXX_
Open-Missing Evidence of Property Tax Provide New estimated/assessed property tax certificate for the subject investment. Available tax certificate on the page XXXX is not accurate, since monthly payment considered is XXX.XX. - XXX XXXXXXXXX XXXX-XX/XX/XXXX

_xXXXX_

XXXX

Investment

Purchase

XXXX

N/A

XXXX

305071402

Closed

2026-03-18 01:37

2026-03-24 16:38

Waived

2 - Non-Material

Credit

Missing Doc

The letter of explanation for the borrower's assets/reserves is missing

Waived-Unable to Resolve-Exception Approved - XXX XXXXXXXXX XXXX-XX/XX/XXXX _xXXXX_
Unable to Resolve-Unable to Resolve-Unable to resolve, XX agrees with exception approved on X/X by XXXXX - Buyer-XX/XX/XXXX _xXXXX_
Ready for Review-Document Uploaded. Assets uploaded - Buyer-XX/XX/XXXX _xXXXX_
Open-The letter of explanation for the borrower's assets/reserves is missing. Please provide XXX or additional assets/reserves. Exception review - approved to use XXX% of the assets for borrower jointly held with
spouse, with access letter. Comp factors: XXX fico, credit dating back to XXXX - all paid AA. Exception on file pg#XXX - XXX XXXXXXXXX XXXX-XX/XX/XXXX

_xXXXX_

Waived-Unable to Resolve-Exception Approved - XXX XXXXXXXXX XXXX-XX/XX/XXXX_xXXXX_

XXXX

Investment

Purchase

XXXX

Investor Post-Close

XXXX

305082604

Closed

2026-03-20 16:40

2026-04-16 10:27

Resolved

1 - Information

Credit

Eligibility

Loan does not conform to program guidelines

Resolved-Clarification with documents received. - XXX XXXXXXXXX XXXX-XX/XX/XXXX _xXXXX_
Ready for Review-Document Uploaded. The property has been renovated and updated, and both the XXX report and the Clear Capital desk review reflect the same value. The renovations have been completed—please see the attached documentation. Based on this, we meet the requirements outlined in the matrix. - Buyer-XX/XX/XXXX _xXXXX_
Open-Loan does not conform to program guidelines The subject was purchased < X months ago. In order to use the appraised value, the appraisal must note renovation (which it does) and an XXX of X.X and below will be present. XXX is absent from the file. If the lesser of purchase price + Improvements (or) Appraisal is used, XXX will exceed maximum allowed. Or, documented cost of repairs can be used with purchase price but absent from the file. - XXX XXXXXXXXX XXXX-XX/XX/XXXX

_xXXXX_

Resolved-Clarification with documents received. - XXX XXXXXXXXX XXXX-XX/XX/XXXX_xXXXX_

XXXX

Investment

Refinance

Cash Out - Other

XXXX

N/A

XXXX

305082710

Closed

2026-03-23 06:27

2026-03-26 13:10

Waived

2 - Non-Material

Credit

Eligibility

Ineligible Borrower per program guidelines

Waived-Client elects to waive with the following compensating factors. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX _xXXXX_
Open-XXXXXXXXXX do not allow entity to sign note XXXXXXXXXX do not allow business entities to sign Note. Provide Exception
- Due Diligence Vendor-XX/XX/XXXX

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

Waived-Client elects to waive with the following compensating factors. - Due Diligence Vendor-XX/XX/XXXX_xXXXX_

XXXX

Investment

Purchase

XXXX

Originator Post-Close

Yes

XXXX

305082740

Closed

2026-03-20 05:19

2026-03-25 04:55

Resolved

1 - Information

Compliance

TRID Tolerance

Insufficient Change of Circumstance (50001252)

Resolved-Revised CD dated XX/XX/XXXX and COC dated XX/XX/XXXX received. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_
Resolved- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_
Resolved- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX _xXXXX_
Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Broker Fees. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (XX XXX XXXXXX.XX(e)(X); XX XXX XXXXXX.XX(e)(X); XX XXX XXXXXX.XX(f)(X)(v)). Provide COC for the increase in the Loan Amount from $XXX,XXX to $XXX,XXX which increased the Broker Fees on the Final CD. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_
Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_
Open- - Due Diligence Vendor-XX/XX/XXXX

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

Resolved-Revised CD dated XX/XX/XXXX and COC dated XX/XX/XXXX received. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_
Resolved- - Due Diligence Vendor-XX/XX/XXXX_xXXXX_

XXXX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

XXXX

N/A

XXXX

305082740

Closed

2026-03-24 11:46

2026-03-25 04:49

Resolved

1 - Information

Credit

Missing Doc

1008 Document is Missing

Resolved-Updated XXXX with updated loan amount and XXX received. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_
Resolved-The XXXX document is present in the loan file. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX _xXXXX_
Open-The XXXX document is missing from the loan file. Provide updated XXXX Loan amount, XXX and XXX are incorrect - Due Diligence Vendor-XX/XX/XXXX

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

XXXX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

XXXX

N/A

XXXX

305082747

Closed

2026-03-26 07:06

2026-03-31 04:37

Resolved

1 - Information

Credit

Assets

Asset 3 Does Not Meet Guideline Requirements

Resolved-Asset Record X Meets G/L Requirements Or Not Applicable - Due Diligence Vendor-XX/XX/XXXX _xXXXX_
Resolved-Evidence of Sale Proceeds iao $XXX,XXX.XX received. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX _xXXXX_
Open-Asset Record X Does Not Meet G/L Requirements Provide evidence of Sale Proceeds iao $XXX,XXX.XX. - Due Diligence Vendor-XX/XX/XXXX

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

XXXX

Primary Residence

Purchase

XXXX

N/A

XXXX

305053520

Closed

2026-03-24 11:35

2026-05-08 09:59

Waived

2 - Non-Material

Credit

Assets

Asset 2 Does Not Meet Guideline Requirements

Waived-XXXX XX Yr Fixed X-X Unit assets are not sourced or seasoned for XX days. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_
Ready for Review-Document Uploaded. Please find exception and move the file to complete, thank you - Buyer-XX/XX/XXXX _xXXXX_
Counter-Thank you for the upload. Loan program XXXX XX Yr Fixed X-X Unit use assets sourced or seasoned for XX days.

- Due Diligence Vendor-XX/XX/XXXX _xXXXX_
Ready for Review-Document Uploaded. Only need XX days asset statements - Buyer-XX/XX/XXXX _xXXXX_
Open-Asset Record X Does Not Meet G/L Requirements Asset is not sourced or seasoned for XX days. XXXX X-X unit. - Due Diligence Vendor-XX/XX/XXXX

_xXXXX_

Waived-XXXX XX Yr Fixed X-X Unit assets are not sourced or seasoned for XX days. - Due Diligence Vendor-XX/XX/XXXX_xXXXX_

XXXX

Investment

Purchase

XXXX

Originator Post-Close

Yes

XXXX

305053520

Closed

2026-03-24 11:35

2026-05-08 09:57

Waived

2 - Non-Material

Credit

Assets

Asset 1 Does Not Meet Guideline Requirements

Waived- XXXX XX Yr Fixed X-X Unit assets are not sourced or seasoned for XX days.
- Due Diligence Vendor-XX/XX/XXXX _xXXXX_
Ready for Review-Document Uploaded. Please find exception and move file to complete, thank you. - Buyer-XX/XX/XXXX _xXXXX_
Counter-Thank you for the upload. Loan program XXXX XX Yr Fixed X-X Unit use assets sourced or seasoned for XX days. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_
Ready for Review-Document Uploaded. Only need XX days asset statements - Buyer-XX/XX/XXXX _xXXXX_
Open-Asset Record X Does Not Meet G/L Requirements Asset is not sourced or seasoned for XX days. XXXX X-X unit. - Due Diligence Vendor-XX/XX/XXXX

_xXXXX_

Waived- XXXX XX Yr Fixed X-X Unit assets are not sourced or seasoned for XX days.
- Due Diligence Vendor-XX/XX/XXXX_xXXXX_

XXXX

Investment

Purchase

XXXX

Originator Post-Close

Yes

XXXX

305053520

Closed

2026-04-06 09:35

2026-05-06 09:44

Resolved

1 - Information

Compliance

TRID

Final CD: Disbursement Date is missing or inaccurate

Resolved-
XXXXXXXXXXX follows UCC Article X (Conn. Gen. Stat. § XXa-X-XXX) for negotiable instruments. The statute does not require the note to be executed before funds are advanced, only that value was given and the note was properly executed.

- Due Diligence Vendor-XX/XX/XXXX _xXXXX_
Rescinded-Data entry error. DOT is notarized on XX/XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_
Ready for Review-File completion should not be held for the original recorded affidavit; a copy has been provided along with teh e-mail stating the settlement sent to be recorded. Please escalate to have this cleared as presented, thank you. - Seller-XX/XX/XXXX _xXXXX_
Counter-Thank you, please upload once available. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_
Ready for Review-Document Uploaded. The closing attorney has sent the scrivener's aff to the county to be recorded. please clear this as presented as we will receive the recorded affidavit once released from the county in Post closing. thank you. - Buyer-XX/XX/XXXX _xXXXX_
Open-Final disbursement is prior to notary date XX/XX/XX - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-File completion should not be held for the original recorded affidavit; a copy has been provided along with teh e-mail stating the settlement sent to be recorded. Please escalate to have this cleared as presented, thank you. - Seller-XX/XX/XXXX_xXXXX_

XXXX

Investment

Purchase

XXXX

N/A

XXXX

305053520

Closed

2026-03-22 23:27

2026-04-21 09:40

Resolved

1 - Information

Credit

Eligibility

Ineligible Housing History per program guidelines

Resolved-Clarification and documents received. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_
Ready for Review-Document Uploaded. Note start date with XXXXXXXXXX is X.XX.XXXX, see attached note. XXXXXXXXXX mtg statements were provided from X.X.XXXX to X.X.XXXX along with note. no additional verifications required with note. Please find updated URLA stating X yr at primary. - Seller-XX/XX/XXXX _xXXXX_
Open-Housing History Does Not Meet XXXXXXXXX Requirements Unable to verify XX months housing history as per XXXX borrower lives since X yrs, per fraud report no previous Xyears transaction history provided, only XX months, XX days data in fraud report on pg XX & XX, Need VOM of Property Report to verify housing history - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Note start date with XXXXXXXXXX is X.XX.XXXX, see attached note. XXXXXXXXXX mtg statements were provided from X.X.XXXX to X.X.XXXX along with note. no additional verifications required with note. Please find updated URLA stating X yr at primary. - Seller-XX/XX/XXXX_xXXXX_

Resolved-Clarification and documents received. - Due Diligence Vendor-XX/XX/XXXX_xXXXX_

XXXX

Investment

Purchase

XXXX

N/A

XXXX

305053520

Closed

2026-03-23 00:34

2026-04-06 09:36

Resolved

1 - Information

Compliance

Closing

The Deed of Trust is Not Executed

Resolved-Executed mortgage received. Notary date is after disbursement date. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_
Ready for Review-Document Uploaded. Please see fully executed signed DOT and rescind, thank you. - Seller-XX/XX/XXXX _xXXXX_
Open-The Deed of Trust is Not Executed provided DOT is unexecuted, need signed DOT document - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Please see fully executed signed DOT and rescind, thank you. - Seller-XX/XX/XXXX_xXXXX_

Resolved-Executed mortgage received. Notary date is after disbursement date. - Due Diligence Vendor-XX/XX/XXXX_xXXXX_

XXXX

Investment

Purchase

XXXX

N/A

XXXX

305053520

Closed

2026-03-23 00:32

2026-04-06 09:28

Resolved

1 - Information

Compliance

Closing

The Note is Not Executed

Resolved-Received note that is executed. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_
Ready for Review-Document Uploaded. Please see signed Note and rescind, thank you. - Buyer-XX/XX/XXXX _xXXXX_
Open-The Note is Not Executed provided Note is unexecuted, need signed Note document - Due Diligence Vendor-XX/XX/XXXX

_xXXXX_

Resolved-Received note that is executed. - Due Diligence Vendor-XX/XX/XXXX_xXXXX_

XXXX

Investment

Purchase

XXXX

N/A

XXXX

305053520

Closed

2026-03-22 22:17

2026-04-06 05:37

Resolved

1 - Information

Credit

Missing Doc

Business Purpose Affidavit is Missing

Resolved-XXXXXXXX XXXXXXXXX XXXXXXXXX provided. Resolved - XXX XXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. Please see signed XXXXXXXX XXXXXXXXX & XXXXXXXXX Affidavit. Please rescind, thank you. - XXXXX-XX/XX/XXXX

Open-The XXXX XXXX XXXX Type is 'XXXX' but the XXXXXXXX XXXXXXXXX Affidavit Disclosure Indicator on the XXXX is 'Missing', and on the XXXXXXXX XXXXXXXXX XX XXXX is 'Missing'. XXXXXXXX XXXXXXXXX Affidavit is required for a XXXX loan. Final XXXXXXXX XXXXXXXXX affidavit is missing in file - XXX XXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-XXXXXXXX XXXXXXXXX XXXXXXXXX provided. Resolved - XXX XXXXXXXX XXXXXX-XX/XX/XXXX

XXXX

Investment

Purchase

XXXX

N/A

XXXX

305082610

Closed

2026-03-19 01:13

2026-04-15 08:46

Resolved

1 - Information

Credit

Eligibility

Ineligible Housing History per program guidelines

Resolved-Clarification received. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Both properties are owned X&C - Currently our XXXX XXXXXXXXXX only require that borrowers are not XXXX and they must own or rent a primary residence. Borrowers living rent free may be considered on a case-by-case basis with compelling evidence of continued occupancy. Underwriting reserves the right to request additional documentation if any reverse occupancy concerns are present. No exception would be needed at this time. - XXXXX-XX/XX/XXXX

Open-Housing History Does Not Meet XXXXXXXXX Requirements Primary Mortgage or Current Rent History unable to verified because borr given #XXX page XXX mentioning he is living rent free on church property - XXX XXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-Clarification received. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX

XXXX

Investment

Refinance

Cash Out - Other

XXXX

N/A

XXXX

305071315

Closed

2026-03-19 23:13

2026-03-30 03:12

Resolved

1 - Information

Credit

Missing Doc

Evidence of Property Tax Missing

Resolved-Taxes are matching with new construction method, updated & condition resolved. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-Evidence of Property Tax is present - XXX XXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-For the tax condition -

This was a new build, and the $XXX tax bill is for vacant land. We used X.X X to calculate taxes.
- XXXXX-XX/XX/XXXX

Open-Missing Evidence of Property Tax Evidence of Property Tax amount of $XXXX.XX is missing from file. Provided tax document showing tax of installment X of $XXX.XX. Provide updated document. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-Taxes are matching with new construction method, updated & condition resolved. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-Evidence of Property Tax is present - XXX XXXXXXXX XXXXXX-XX/XX/XXXX

XXXX

Investment

Refinance

Cash Out - Other

XXXX

N/A

XXXX

305082753

Closed

2026-03-24 10:58

2026-03-26 15:19

Resolved

1 - Information

Credit

Eligibility

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

Resolved-Audited Reserves of XX.XX month(s) are greater than or equal to XXXXXXXXX Required Reserves of X month(s) - XXX XXXXXXXX XXXXXX-XX/XX/XXXX

Resolved- - XXX XXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document uploaded. Condition resolved. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Cash to borrower from XXX-XXXXXX = $XX,XXX.XX

Cash from borrower from XXX-XXXXXX = $X,XXX.XX

Borrower netted $X,XXX.XX

XXX XXXX borrower is showing a $XX,XXX.XX balance

Total post close liquidity = $XX,XXX.XX - XXX XXXXXXXX XXXXXX-XX/XX/XXXX

Open-Audited Reserves of X.XX month(s) are less than XXXXXXXXX Required Reserves of X month(s) Additional reserves required. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-Audited Reserves of XX.XX month(s) are greater than or equal to XXXXXXXXX Required Reserves of X month(s) - XXX XXXXXXXX XXXXXX-XX/XX/XXXX

XXXX

Investment

Refinance

No Cash Out - Borrower Initiated

XXXX

N/A

XXXX

305082753

Closed

2026-03-20 01:32

2026-03-26 02:32

Resolved

1 - Information

Credit

Title

Title Coverage is Less than Subject Lien(s) Total

Resolved-Requested updated title document with updated coverage amount that covers loan amount provided, updated & condition resolved. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX

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

Ready for Review-Attached. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX

Open-Title Coverage Amount of $XXXXXX is Less than Loan Amount $XXXXXX - XXX XXXXXXXX XXXXXX-XX/XX/XXXX

XXXX

Investment

Refinance

No Cash Out - Borrower Initiated

XXXX

N/A

XXXX

305089754

Closed

2026-03-23 12:39

2026-06-23 16:07

Resolved

1 - Information

Credit

Missing Doc

Hazard Insurance Policy is Missing

Resolved-Hazard Insurance Policy is fully present - XXX XXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-Resolved. Received XXX for other XXX property (XXXX XXXXX XX, XXXX XXX, XXXXXX, XX XXXXX). - XXX XXXXXXXX XXXXXX-XX/XX/XXXX

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

Open-Missing copy of hazard insurance policy for XXXX XXXXX XX, XXXX XXX, XXXXXX, XX XXXXX - XXX XXXXXXXX XXXXXX-XX/XX/XXXX

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

XXXX

Primary Residence

Refinance

Cash Out - Other

XXXX

N/A

XXXX

305089754

Closed

2026-03-23 08:30

2026-03-25 09:56

Resolved

1 - Information

Credit

Income/Employment

Income/Employment General

Resolved-Resolved. XXXX online verification provided. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX

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

Open-Per lender guideline, provide a required copy of a current/active license or certification for the preparer of the business Profit and Loss Statement. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX

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

Resolved-Resolved. XXXX online verification provided. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX

XXXX

Primary Residence

Refinance

Cash Out - Other

XXXX

N/A

XXXX

305082749

Closed

2026-03-30 07:25

2026-04-17 16:29

Resolved

1 - Information

Property

Property is listed for sale

Resolved-Proof of improvements provided - XXX XXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-XXXXXXX Rebuttal - XXX XXXXXXXX XXXXXX-XX/XX/XXXX

Open-Seasoning requirement of X months was not met. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX

Open-Date prior sale date is XX/XX/XXXX, which is less than X months from closing. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-Proof of improvements provided - XXX XXXXXXXX XXXXXX-XX/XX/XXXX

XXXX

Investment

Refinance

Cash Out - Other

XXXX

N/A

XXXX

305082749

Closed

2026-03-30 07:08

2026-04-07 00:08

Resolved

1 - Information

Compliance

Missing Doc

Final HUD-1 or Final Settlement Statement Document is Missing

Resolved-Requested updated XXX-X with settlement date provided, updated & condition resolved. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-Final XXX-X Document is Present or Not Applicable - XXX XXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-XXX - XXX XXXXXXXX XXXXXX-XX/XX/XXXX

Open-Final XXX-X Document is Missing. Settlement date and disbursement date is missing provided XXX. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX

XXXX

Investment

Refinance

Cash Out - Other

XXXX

N/A

XXXX

305082731

Closed

2026-03-24 01:27

2026-03-26 13:23

Waived

2 - Non-Material

Credit

Eligibility

Ineligible Borrower per program guidelines

Waived-Client elects to waive with the following compensating factors. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX

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

Open-XXXXXXXXXX do not allow entity to sign note XXXXXXXXXX do not allow business entities to sign Note. Provide Exception - XXX XXXXXXXX XXXXXX-XX/XX/XXXX

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

Waived-Client elects to waive with the following compensating factors. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX

XXXX

Investment

Purchase

XXXX

Originator Post-Close

Yes

XXXX

305082731

Closed

2026-03-25 09:21

2026-03-26 13:22

Resolved

1 - Information

Credit

Borrower

Discrepancy between 1008 Page Qualifying FICO and actual Qualifying FICO

Resolved-Updated XXXX received. - Due Diligence Vendor-XX/XX/XXXX

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

Open-Qualifying FICO on XXXX does not match Qualifying FICO per XXXXXXXXXX. Please confirm the correct Qualifying FICO. XXXX reflects XXX and does not match Qualifying FICO XXX per XXXXXXXXXX- Lowest qualification score of all borrowers is used for overall loan qualification. - Due Diligence Vendor-XX/XX/XXXX

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

Resolved-Updated XXXX received. - Due Diligence Vendor-XX/XX/XXXX

XXXX

Investment

Purchase

XXXX

N/A

XXXX

305082731

Closed

2026-03-25 09:20

Waived

2 - Non-Material

Credit

Eligibility

Loan does not conform to program guidelines

Waived-Loan does not conform to program guidelines Exception page XXX
exception Reason: OTHER- Business activities of the vesting entity are not exclusively limited to ownership and management of real estate.
Client elects to waive with the following compensating factors - Due Diligence Vendor-XX/XX/XXXX

XXXX

Investment

Purchase

XXXX

Originator Pre-Close

Yes

XXXX

305066563

Closed

2026-03-24 04:05

2026-04-02 11:17

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 Business Bank Statements Missing

Resolved-Borrower X Business XXXX Statements Provided - Due Diligence Vendor-XX/XX/XXXX

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

Counter-Based on income worksheet in file income is from X/XX/-XX/XX which is in line with the income in amount of XX,XXX if using the attached would place income at XX,XXX.XX. Bank statement that was missing from the file is January XXXX bank statement - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Bank statements are from being X/XX to end of X/XX-- which is XX months. Thank you! - Seller-XX/XX/XXXX

Open-Borrower X Business XXXX Statements Missing
January XXXX bank statement is missing hence considered XX months only. - Due Diligence Vendor-XX/XX/XXXX

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

Ready for Review-Document Uploaded. Bank statements are from being X/XX to end of X/XX-- which is XX months. Thank you! - Seller-XX/XX/XXXX

Resolved-Borrower X Business XXXX Statements Provided - Due Diligence Vendor-XX/XX/XXXX

XXXX

Primary Residence

Refinance

Cash Out - Other

XXXX

N/A

XXXX

305082746

Closed

2026-03-27 07:02

2026-04-02 09:01

Resolved

1 - Information

Compliance

TRID

Federal - Loan Estimate Disclosure Received and Intent To Proceed

Resolved-Initial LE dated X/XX/XXXX received. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Initial LE dated X/XX/XXXX received. - Due Diligence Vendor-XX/XX/XXXX

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

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

Open-The date the consumer indicated an intent to proceed with a transaction (XXXX-XX-XX) is before the date the consumer received the Loan Estimate (XXXX-XX-XX). A consumer cannot indicate an intent to proceed with a transaction until it receives the Loan Estimate. Under Regulation Z, neither a creditor nor any other person may impose a fee, other than a credit report fee, before the consumer has received the Loan Estimate and indicated to the creditor an intent to proceed with the transaction described by the Loan Estimate. (XX CFR XXXX.XX(e)(X)(i)(A)) Provide Initial LE dated X/XX/XXXX - Due Diligence Vendor-XX/XX/XXXX

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

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

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

XXXX

Primary Residence

Purchase

XXXX

N/A

XXXX

305082746

Closed

2026-03-31 14:33

2026-04-02 05:44

Resolved

1 - Information

Compliance

Missing Doc

TRID: Missing Loan Estimate

Resolved-Initial LE dated X/XX/XXXX received. See Federal - Loan Estimate Disclosure Received and Intent To Proceed Finding. - Due Diligence Vendor-XX/XX/XXXX

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

Open-Provide Initial LE - Due Diligence Vendor-XX/XX/XXXX

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

Resolved-Initial LE dated X/XX/XXXX received. See Federal - Loan Estimate Disclosure Received and Intent To Proceed Finding. - Due Diligence Vendor-XX/XX/XXXX

XXXX

Primary Residence

Purchase

XXXX

N/A

XXXX

305082746

Closed

2026-03-31 14:25

Waived

2 - Non-Material

Credit

Eligibility

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

Waived-Audited Reserves of X.XX month(s) are less than Guideline Required Reserves of X month(s) Exception page XXX
Exception Reason: Min Subject Months Reserves- Loan File X months, GL Requirement X months + X months = X months
Client elects to waive with the following compensating factors. - Due Diligence Vendor-XX/XX/XXXX

XXXX

Primary Residence

Purchase

XXXX

Originator Pre-Close

Yes

XXXX

305082608

Closed

2026-03-23 22:03

2026-04-02 07:30

Resolved

1 - Information

Credit

Missing Doc

Business Purpose Affidavit is Missing

Resolved-Requested BPA Document provided, Updated & Condition Resolved - Due Diligence Vendor-XX/XX/XXXX

Resolved-The Business Purpose Affidavit is present or Not Applicable (XXXX Page Loan Type is XXXX.) - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Please see signed Business Purpose and Occupancy Affidavit and clear finding, thank you. - Seller-XX/XX/XXXX

Open-The XXXX Page Loan Type is 'XXXX' but the Business Purpose Affidavit Disclosure Indicator on the XXXX is 'Missing', and on the Business Purpose VX Page is 'Missing'. Business Purpose Affidavit is required for a XXXX loan. Provide an executed Final Business Purpose and Occupancy Affidavit Disclosure. Initial Business Purpose and Occupancy Affidavit Disclosure dated X/XX/XX in file. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Please see signed Business Purpose and Occupancy Affidavit and clear finding, thank you. - Seller-XX/XX/XXXX

XXXX

Investment

Purchase

XXXX

N/A

XXXX

305082608

Closed

2026-03-23 22:12

2026-04-02 07:28

Resolved

1 - Information

Compliance

Closing

The Note is Not Executed

Resolved-Lender provided executed Note - finding resolved. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Please see signed Note and clear finding, thank you. - Buyer-XX/XX/XXXX

Open-The Note is Not Executed, not Signed By the Borrower .
- Due Diligence Vendor-XX/XX/XXXX

Resolved-Lender provided executed Note - finding resolved. - Due Diligence Vendor-XX/XX/XXXX

XXXX

Investment

Purchase

XXXX

N/A

XXXX

305082608

Closed

2026-03-23 22:20

2026-04-02 07:27

Resolved

1 - Information

Compliance

Closing

The Deed of Trust is Not Executed

Resolved-Lender provided executed Deed of Trust - finding resolved. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Please see fully executed signed DoT and clear finding, thank you. - Buyer-XX/XX/XXXX

Open-The Deed of Trust is Not Executed, Not Signed By The Borrower .
- Due Diligence Vendor-XX/XX/XXXX

Resolved-Lender provided executed Deed of Trust - finding resolved. - Due Diligence Vendor-XX/XX/XXXX

XXXX

Investment

Purchase

XXXX

N/A

XXXX

305082608

Closed

2026-03-25 15:36

2026-04-02 07:22

Resolved

1 - Information

Compliance

Missing Doc

TRID: Missing Closing Disclosure

Resolved-Lender provided executed final CD - finding resolved. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Please see signed Final CD and clear finding, thank you. - Seller-XX/XX/XXXX

Open-TRID: Missing Final Closing Disclosure CD provided on page #XXX is not executed by the borrower. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Please see signed Final CD and clear finding, thank you. - Seller-XX/XX/XXXX

Resolved-Lender provided executed final CD - finding resolved. - Due Diligence Vendor-XX/XX/XXXX

XXXX

Investment

Purchase

XXXX

N/A

XXXX

305082639

Closed

2026-03-26 11:50

2026-04-01 07:22

Resolved

1 - Information

Credit

Appraisal deficiency.

Resolved-Lender re-uploaded appraisal report - all required pictures downloaded to report - finding resolved. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Please see appraisal report with pictures, maps and license please clear finding, thank you. - Seller-XX/XX/XXXX

Open-All required pictures/maps/license photos missing from appraisal report.. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Please see appraisal report with pictures, maps and license please clear finding, thank you. - Seller-XX/XX/XXXX

Resolved-Lender re-uploaded appraisal report - all required pictures downloaded to report - finding resolved. - Due Diligence Vendor-XX/XX/XXXX

XXXX

Investment

Refinance

Cash Out - Other

XXXX

N/A

XXXX

305082639

Closed

2026-03-24 01:02

2026-04-01 07:20

Resolved

1 - Information

Compliance

Disclosure

Escrow Waiver is Not Executed

Resolved-Lender provided fully executed Escrow Waiver - finding resolved. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Please see Executed Escrow Waiver, please clear finding thank you. - Buyer-XX/XX/XXXX

Open-Escrow Waiver is Not Executed Escrow Waiver Document is Not Executed - Due Diligence Vendor-XX/XX/XXXX

Resolved-Lender provided fully executed Escrow Waiver - finding resolved. - Due Diligence Vendor-XX/XX/XXXX

XXXX

Investment

Refinance

Cash Out - Other

XXXX

N/A

XXXX

305082639

Closed

2026-03-23 22:46

2026-04-01 07:19

Resolved

1 - Information

Compliance

Closing

The Deed of Trust is Not Executed

Resolved-Lender provided fully executed DOT - finding resolved. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Please see fully executed DoT please clear finding, thank you. - Buyer-XX/XX/XXXX

Open-The Deed of Trust is Not Executed Deed of trust in file is not executed - Due Diligence Vendor-XX/XX/XXXX

Resolved-Lender provided fully executed DOT - finding resolved. - Due Diligence Vendor-XX/XX/XXXX

XXXX

Investment

Refinance

Cash Out - Other

XXXX

N/A

XXXX

305082639

Closed

2026-03-23 22:40

2026-04-01 07:14

Resolved

1 - Information

Compliance

Closing

The Note is Not Executed

Resolved-Lender provided fully executed Note - finding resolved. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Please see signed Note please clear finding, thank you. - Buyer-XX/XX/XXXX

Open-The Note is Not Executed The Note document in file is not Executed - Due Diligence Vendor-XX/XX/XXXX

Resolved-Lender provided fully executed Note - finding resolved. - Due Diligence Vendor-XX/XX/XXXX

XXXX

Investment

Refinance

Cash Out - Other

XXXX

N/A

XXXX

305082639

Closed

2026-03-23 22:33

2026-04-01 02:29

Resolved

1 - Information

Credit

Missing Doc

Business Purpose Affidavit is Missing

Resolved-Requested Final Business Purpose Affidavit Disclosure provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX

Resolved-The Business Purpose Affidavit is present or Not Applicable (XXXX Page Loan Type is XXXX.) - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Please see Business Purpose and Occupancy Affidavit please clear finding, thank you. - Seller-XX/XX/XXXX

Open-The XXXX Page Loan Type is 'XXXX' but the Business Purpose Affidavit Disclosure Indicator on the XXXX is 'Missing', and on the Business Purpose VX Page is 'Missing'. Business Purpose Affidavit is required for a XXXX loan. Provide an executed Final Business Purpose and Occupancy Affidavit Disclosure. Initial Business Purpose and Occupancy Affidavit Disclosure dated X/XX/XX in file. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Please see Business Purpose and Occupancy Affidavit please clear finding, thank you. - Seller-XX/XX/XXXX

XXXX

Investment

Refinance

Cash Out - Other

XXXX

N/A

XXXX

305082639

Closed

2026-03-24 03:19

2026-04-01 00:42

Resolved

1 - Information

Compliance

Missing Doc

TRID: Missing Closing Disclosure

Resolved-Executed Final Closing Disclosure uploaded, Verified & entered in system - Resolved
- Due Diligence Vendor-XX/XX/XXXX

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

Ready for Review-Document Uploaded. Please see Final CD please clear finding, thank you. - Seller-XX/XX/XXXX

Open-TRID: Missing Final Closing Disclosure Signature of Borrower in Final Closing Disclosure is missing in file - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Please see Final CD please clear finding, thank you. - Seller-XX/XX/XXXX

XXXX

Investment

Refinance

Cash Out - Other

XXXX

N/A

XXXX

305071444

Closed

2026-03-27 13:59

2026-04-08 05:43

Resolved

1 - Information

Compliance

Missing Doc

Missing evidence of rate lock

Resolved-Final rate lock provided that aligns with Final Terms and DTI. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Please see rate lock confirmation with final terms/DTI XX.XXX - Buyer-XX/XX/XXXX

Open-Evidence of Rate Lock Missing Missing rate lock confirmation with final terms/ DTI XX.XXX% - Due Diligence Vendor-XX/XX/XXXX

Resolved-Final rate lock provided that aligns with Final Terms and DTI. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-XX/XX/XXXX

XXXX

Investment

Refinance

Cash Out - Other

XXXX

N/A

XXXX

305082750

Closed

2026-03-31 14:22

2026-04-06 07:03

Resolved

1 - Information

Credit

Missing Doc

HO-6 Insurance Policy is Missing

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

Ready for Review-Per email from Insurance Company Master HOI covers walls in. HO-X not required - Due Diligence Vendor-XX/XX/XXXX

Open-HO-X Insurance Policy is Missing Policy is missing from the file. - Due Diligence Vendor-XX/XX/XXXX

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

XXXX

Primary Residence

Purchase

XXXX

N/A

XXXX

305082683

Closed

2026-03-27 15:50

2026-03-31 17:04

Resolved

1 - Information

Credit

Assets

Asset 2 Does Not Meet Guideline Requirements

Resolved-Asset Record X Meets G/L Requirements Or Not Applicable - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. See page X at the bottom...ending X/XX. - Seller-XX/XX/XXXX

Open-Asset Record X Does Not Meet G/L Requirements Provide bank statement for XXXXXX & XXXX XX account #XX in the amount of $XX,XXX.XX. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. See page X at the bottom...ending X/XX. - Seller-XX/XX/XXXX

Resolved-Asset Record X Meets G/L Requirements Or Not Applicable - Due Diligence Vendor-XX/XX/XXXX

XXXX

Primary Residence

Purchase

XXXX

N/A

XXXX

305071292

Closed

2026-03-27 15:17

2026-04-08 11:56

Resolved

1 - Information

Credit

Missing Doc

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

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

Ready for Review-did you look at the HOI and taxes i've uploaded? I've already given you exactly what you asked for. clear this condition  - Buyer-XX/XX/XXXX

Counter-Primary owned free and clear. HELOC closed X/XXXX - page XXX. Missing proof of total non -escrowed amount $XXXX.XX listed on the final XXXX for primary residence.
Taxes $XXX.XX + $XXX.XX ins = $X,XXX.XX - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. see attached taxes and insurance  - Buyer-XX/XX/XXXX

Open-Missing proof of total non -escrowed amount $XXXX.XX for primary residence.  - Due Diligence Vendor-XX/XX/XXXX

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

XXXX

Second Home

Purchase

XXXX

N/A

XXXX

305071292

Closed

2026-03-26 03:32

2026-04-08 11:30

Resolved

1 - Information

Compliance

Missing Doc

The Final 1003 is Incomplete

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

Ready for Review-see attached - Seller-XX/XX/XXXX

Counter-Duplicate XXXX detailing incorrect income $XX,XXX provided. Audited Income as per XXXX Partnership Form is $XX,XXX.XX. Provide correct Final XXXX with this income. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-sorry correct document now uploaded - Buyer-XX/XX/XXXX

Ready for Review-Document Uploaded. see attached with corrected income - Seller-XX/XX/XXXX

Open-The Final XXXX is Incomplete Audited Income as per XXXX Partnership Form is $XX,XXX.XX Whereas XXXX & XXXX dated X/XX/XX Final Reflects Income as $XX,XXX. Provide Updated Document with Correct Income Details - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-see attached - Seller-XX/XX/XXXX

Ready for Review-Document Uploaded. see attached with corrected income - Seller-XX/XX/XXXX

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

XXXX

Second Home

Purchase

XXXX

N/A

XXXX

305066602

Closed

2026-03-25 02:20

2026-03-25 02:22

Resolved

1 - Information

Compliance

HigherPriced:APR

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

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

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

Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal XXXX threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable XXXX for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. ( XX CFR § XXXX.XX(a)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §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. XXXX Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’sXXX and the Final Closing disclosure on Pg#’sXXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#XXX An interior and exterior appraisal was completed for this property – see pg XX, the appraisal disclosure was provided to the borrower(s)- see Pg#’XXX in file and confirmation the appraisal was delivered to the borrower – see Pg#’s XXX-XXX, XXX The loan meets XXXX guidelines, resolved. - Due Diligence Vendor-XX/XX/XXXX

XXXX

Primary Residence

Purchase

XXXX

N/A

XXXX

305071293

Closed

2026-03-31 09:10

2026-04-02 15:51

Waived

2 - Non-Material

Credit

Income/Employment

Income 2 Income Trend is Decreasing

Waived-Exception Approved - Due Diligence Vendor-XX/XX/XXXX

Unable to Resolve-Unable to Resolve-Unable to Resolve-XX agrees with exception approved in the file
- Seller-XX/XX/XXXX

Open-Income X Income Trend is Decreasing Statements must support stable and generally predictable deposits. Evidence of a decline in earnings may result in disqualification. Income fluctuates and seasonal located in XXXXXX, letter of explanation provided. XXXXXXXXXX must review and approve. - Due Diligence Vendor-XX/XX/XXXX

Unable to Resolve-Unable to Resolve-Unable to Resolve-XX agrees with exception approved in the file
- Seller-XX/XX/XXXX

Waived-Exception Approved - Due Diligence Vendor-XX/XX/XXXX

XXXX

Primary Residence

Purchase

XXXX

Investor Post-Close

XXXX

305071293

Closed

2026-03-31 09:10

2026-04-02 15:50

Waived

2 - Non-Material

Credit

Income/Employment

Income 1 Income Trend is Decreasing

Waived-Exception Approved - Due Diligence Vendor-XX/XX/XXXX

Unable to Resolve-Unable to Resolve-Unable to Resolve-XX agrees with exception approved in the file
- Buyer-XX/XX/XXXX

Open-Income X Income Trend is Decreasing Statements must support stable and generally predictable deposits. Evidence of a decline in earnings may result in disqualification. Income fluctuates and seasonal located in XXXXXX, letter of explanation provided. XXXXXXXXXX must review and approve. - Due Diligence Vendor-XX/XX/XXXX

Waived-Exception Approved - Due Diligence Vendor-XX/XX/XXXX

XXXX

Primary Residence

Purchase

XXXX

Investor Post-Close

XXXX

305071293

Closed

2026-03-25 04:11

2026-04-02 04:28

Resolved

1 - Information

Credit

Missing Doc

Borrower 2 3rd Party VOE Prior to Close Missing

Resolved-Requested Xrd Party VOE Provided, Updated & Condition Resolved - Due Diligence Vendor-XX/XX/XXXX

Resolved-Borrower X Xrd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals X) - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. voe for self employed borrower - Buyer-XX/XX/XXXX

Open-Borrower X Xrd Party VOE Prior to Close Missing Verification of business existence required within XX business days of closing is missing. - Due Diligence Vendor-XX/XX/XXXX

XXXX

Primary Residence

Purchase

XXXX

N/A

XXXX

305071293

Closed

2026-03-25 04:11

2026-04-02 04:28

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 3rd Party VOE Prior to Close Missing

Resolved-Requested Xrd Party VOE Provided, Updated & Condition Resolved - Due Diligence Vendor-XX/XX/XXXX

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

Ready for Review-Document Uploaded. self employed VOE attached - Seller-XX/XX/XXXX

Open-Borrower X Xrd Party VOE Prior to Close Missing Verification of business existence required within XX business days of closing is missing. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. self employed VOE attached - Seller-XX/XX/XXXX

XXXX

Primary Residence

Purchase

XXXX

N/A

XXXX

305038759

Closed

2026-03-30 03:44

2026-04-24 12:57

Waived

2 - Non-Material

Credit

DSCR Does Not Meet Guideline Requirements

Waived-Formal exception in loan file. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Lender provided approved exception for XXXX <X.X is approved. XXXX is X.XXX. - Due Diligence Vendor-XX/XX/XXXX

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

Counter-Upon updating income calculation, monthly total came to $XXXX.XX monthly not $XXXX as listed on calculation sheet provided. Current XXXX is X.XXX which is currently less than X.XX XXXX minimum. Finding countered. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. XXXXXXX Income calculation uploaded. XX% of rental income used for vacant unit. Allowed due to loan being a purchase. - Buyer-XX/XX/XXXX

Counter-Updated Min XXXX per most recent matrix. Pending seller response due to XXXX still being below Minimum XXXX. Finding countered. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Just for clarification, XXXX ratio can be as low as X.XX. Latest Matrix uploaded for review. However, we are still low so I get with the seller on this. - Seller-XX/XX/XXXX

Open-As per guidelines Minimum XXXX is X.XX but calculated XXXX is X.XXX. - Due Diligence Vendor-XX/XX/XXXX

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

Ready for Review-Document Uploaded. Just for clarification, XXXX ratio can be as low as X.XX. Latest Matrix uploaded for review. However, we are still low so I get with the seller on this. - Seller-XX/XX/XXXX

Waived-Formal exception in loan file. - Due Diligence Vendor-XX/XX/XXXX

XXXX

Investment

Purchase

XXXX

Originator Pre-Close

Yes

XXXX

305038759

Closed

2026-04-01 16:02

2026-04-06 02:00

Resolved

1 - Information

Compliance

Missing Doc

The Note is Incomplete

Resolved-Updated prepayment addendum to note uploaded that confirms X,X,X step down is the correct PPP, verified - Resolved - Due Diligence Vendor-XX/XX/XXXX

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

Ready for Review-Document Uploaded. Seller says the X,X,X step down is the correct PPP. - Buyer-XX/XX/XXXX

Open-The Note is Incomplete There are two prepayment addendums in file with the same signature date and property address. One reads as X, X, X penalty and the other reads as X, X, X. Confirmation on which one is correct to use is required. - Due Diligence Vendor-XX/XX/XXXX

XXXX

Investment

Purchase

XXXX

N/A

XXXX

305077674

Closed

2026-03-30 23:23

2026-04-08 06:46

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 Gap Credit Report is Missing

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

Ready for Review-Dispute - Due Diligence Vendor-XX/XX/XXXX

Counter-The note is dated X/XX/XXXX. The supplemental credit report in the file is dated X/XX/XXXX. per guidelines we need a credit refresh within ten (XX) business days of the note date. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Credit report - Due Diligence Vendor-XX/XX/XXXX

Open-Borrower X Gap Credit Report is Missing Gap Credit Report is Missing from loan file, per guidelines we need a credit refresh within ten (XX) business days of the note date. - Due Diligence Vendor-XX/XX/XXXX

XXXX

Primary Residence

Purchase

XXXX

N/A

XXXX

305077674

Closed

2026-03-31 01:08

2026-04-02 00:15

Resolved

1 - Information

Compliance

Missing Doc

TRID: Missing Initial Closing Disclosure

Resolved-Requested initial Cd provided, Updated & Condition Resolved - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-XXX - Due Diligence Vendor-XX/XX/XXXX

Open-XXXX: Missing Closing Disclosure Initial Closing Disclosure is missing from loan file which is required to run compliance. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Requested initial Cd provided, Updated & Condition Resolved - Due Diligence Vendor-XX/XX/XXXX

XXXX

Primary Residence

Purchase

XXXX

N/A

XXXX

305077667

Closed

2026-03-30 22:12

2026-04-10 03:31

Resolved

1 - Information

Credit

Eligibility

Ineligible Housing History per program guidelines

Resolved-Primary Housing is verified to be owned Free & Clear, Housing History Meets XXXXXXXXX Requirements, Verified - Resolved - Due Diligence XXXXXX-XX/XX/XXXX

Resolved-Housing History Meets XXXXXXXXX Requirements - Due Diligence XXXXXX-XX/XX/XXXX

Ready for Review-Sale - Due Diligence XXXXXX-XX/XX/XXXX

Open-Housing History Does Not Meet XXXXXXXXX Requirements Provide proof of Primary being owned free and clear. - Due Diligence XXXXXX-XX/XX/XXXX

XXXX

Investment

Refinance

No Cash Out - Borrower Initiated

XXXX

N/A

XXXX

305077676

Closed

2026-03-30 23:23

2026-04-07 03:34

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 Gap Credit Report is Missing

Resolved-Evidence of Undisclosed Debt Monitoring provided, Verified - Resolved
- Due Diligence XXXXXX-XX/XX/XXXX

Resolved-Borrower X Gap Credit Report is not missing. - Due Diligence XXXXXX-XX/XX/XXXX

Ready for Review-UUDM - Due Diligence XXXXXX-XX/XX/XXXX

Open-Borrower X Gap Credit Report is Missing Missing gap credit report in file. - Due Diligence XXXXXX-XX/XX/XXXX

XXXX

Primary Residence

Purchase

XXXX

N/A

XXXX

305077676

Closed

2026-03-31 15:52

2026-03-31 16:01

Waived

2 - Non-Material

Credit

Underwriting

Credit history does not meet guidelines

Waived-Client elects to waive with the following compensating factors. - Due Diligence XXXXXX-XX/XX/XXXX

Open-Credit Bureau does not report any Credit Score and does not meet XXXXXXXXXX. UW Exception in file page XXX - Due Diligence XXXXXX-XX/XX/XXXX

Waived-Client elects to waive with the following compensating factors. - Due Diligence XXXXXX-XX/XX/XXXX

XXXX

Primary Residence

Purchase

XXXX

Originator Pre-Close

Yes

XXXX

305082742

Closed

2026-04-07 09:14

2026-04-09 08:38

Resolved

1 - Information

Credit

Closing

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

Resolved-Per XX, Gap Report- In cases where a gap report is not received prior to closing, the report may be obtained within XX days of closing.
- Due Diligence XXXXXX-XX/XX/XXXX

Rescinded-Per XX, Gap Report- In cases where a gap report is not received prior to closing, the report may be obtained within XX days of closing. - Due Diligence XXXXXX-XX/XX/XXXX

Resolved-Borrower X Gap Credit Report is not expired. - Due Diligence XXXXXX-XX/XX/XXXX

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

Open-Borrower X Gap Credit Report is Expired (Greater than XX days from Closing/Settlement Date). - Due Diligence XXXXXX-XX/XX/XXXX

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

XXXX

Investment

Refinance

Cash Out - Other

XXXX

N/A

XXXX

305082742

Closed

2026-04-02 05:07

2026-04-09 05:33

Waived

2 - Non-Material

Credit

Eligibility

Ineligible Borrower per program guidelines

Waived-Client elects to waive with the following compensating factors. - Due Diligence XXXXXX-XX/XX/XXXX

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

Open-XXXXXXXXXX do not allow entity to sign note XXXXXXXXXX do not allow business entities to sign Note. Provide Exception - Due Diligence XXXXXX-XX/XX/XXXX

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

Waived-Client elects to waive with the following compensating factors. - Due Diligence XXXXXX-XX/XX/XXXX

XXXX

Investment

Refinance

Cash Out - Other

XXXX

Originator Post-Close

Yes

XXXX

305082742

Closed

2026-04-02 20:15

2026-04-09 05:32

Waived

2 - Non-Material

Credit

Eligibility

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

Waived-Client elects to waive with the following compensating factors. - Due Diligence XXXXXX-XX/XX/XXXX

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

Open-Audited Reserves of X.XX month(s) are less than XXXXXXXXX Required Reserves of X month(s). Provide exception - Due Diligence XXXXXX-XX/XX/XXXX

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

Waived-Client elects to waive with the following compensating factors. - Due Diligence XXXXXX-XX/XX/XXXX

XXXX

Investment

Refinance

Cash Out - Other

XXXX

Originator Post-Close

Yes

XXXX

305082742

Closed

2026-04-02 19:34

2026-04-09 01:21

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 3rd Party VOE Prior to Close Missing

Resolved-Requested Xrd Party VOE provided, Updated & Condition Resolved - Due Diligence XXXXXX-XX/XX/XXXX

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

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

Open-Borrower X Xrd Party VOE Prior to Close Missing Verbal Verification of Employment is dated X/XX/XXXX and Closing date is X/XX/XXXX. Provide the Verbal Verification of Employment within XX business days of closing. - Due Diligence XXXXXX-XX/XX/XXXX

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

XXXX

Investment

Refinance

Cash Out - Other

XXXX

N/A

XXXX

305082503

Closed

2026-03-31 12:56

2026-05-12 10:55

Resolved

1 - Information

Credit

Eligibility

Loan does not conform to program guidelines

Resolved-Case-by-case, resolved. - Due Diligence XXXXXX-XX/XX/XXXX

Escalated-Escalated to management. - Due Diligence XXXXXX-XX/XX/XXXX

Ready for Review-Per XXXX guidelines, borrowers living rent free are considered on a case-by-case basis – not by exception. We should be able to push back using the guideline below and the fact the underwriter didn’t have any occupancy concerns for BX/BX living rent free.

- XXXXX-XX/XX/XXXX

Counter-Received letter of explanation from spouse stating the spouse owns the primary residence. Borrower does not have ownership and insufficient housing history. - Due Diligence XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. see attached - XXXXX-XX/XX/XXXX

Open-Loan does not conform to program guidelines Missing XX month housing history, per guidelines only primary or secondary residence allowed. - Due Diligence XXXXXX-XX/XX/XXXX

Resolved-Case-by-case, resolved. - Due Diligence XXXXXX-XX/XX/XXXX

XXXX

Investment

Refinance

No Cash Out - Borrower Initiated

XXXX

N/A

XXXX

305082503

Closed

2026-03-31 12:59

2026-05-12 10:55

Resolved

1 - Information

Credit

Reserve requirement was not met

Resolved-Resolved, sufficient per XX's. - Due Diligence XXXXXX-XX/XX/XXXX

Escalated-Escalated to management. - Due Diligence XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. XXXX matrix Reserves
Standard: X Months PITIA (Loan Amount ≤ $Xxx) | X Months PITIA (Loan Amount > - XXXXX-XX/XX/XXXX

Counter-Received letter of explanation from spouse stating the spouse owns the primary residence. Borrower does not have ownership and insufficient housing history requiring X months reserves. - Due Diligence XXXXXX-XX/XX/XXXX

Ready for Review-minimum X mo. reserves required. - XXXXX-XX/XX/XXXX

Open-Insufficient reserves listed per guidelines X months required if there is no XX month housing history. - Due Diligence XXXXXX-XX/XX/XXXX

Resolved-Resolved, sufficient per XX's. - Due Diligence XXXXXX-XX/XX/XXXX

XXXX

Investment

Refinance

No Cash Out - Borrower Initiated

XXXX

N/A

XXXX

305082755

Closed

2026-04-08 14:11

2026-04-15 10:29

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 Gap Credit Report is Missing

Resolved-Borrower X Gap Credit Report is not missing. - Due Diligence XXXXXX-XX/XX/XXXX

Ready for Review-Soft Pull - Due Diligence XXXXXX-XX/XX/XXXX

Open-Borrower X Gap Credit Report is Missing - Due Diligence XXXXXX-XX/XX/XXXX

Resolved-Borrower X Gap Credit Report is not missing. - Due Diligence XXXXXX-XX/XX/XXXX

XXXX

Primary Residence

Refinance

Cash Out - Other

XXXX

N/A

XXXX

305082755

Closed

2026-04-08 14:11

2026-04-15 10:27

Resolved

1 - Information

Credit

Title

Title Coverage is Less than Subject Lien(s) Total

Resolved-Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-XX/XX/XXXX _xXXXX_\nReady for Review-Title Policy Final - Due Diligence Vendor-XX/XX/XXXX _xXXXX_\nOpen-Title Coverage Amount of $XXXXXX is Less than Loan Amount - Due Diligence Vendor-XX/XX/XXXX

_xXXXX_\n

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

XXXX

Primary Residence

Refinance

Cash Out - Other

XXXX

N/A

XXXX

305071443

Closed

2026-03-30 03:52

2026-04-24 03:16

Resolved

1 - Information

Credit

Missing Doc

Title Document is Incomplete

Resolved-Quit claim deed provided. Resolved - Due Diligence Vendor-XX/XX/XXXX _xXXXX_\nReady for Review-Document Uploaded. Please see Recorded Quit Claim Deed and rescind finding, thank you. - Buyer-XX/XX/XXXX _xXXXX_\nOpen-Title Document is Incomplete Title document shows vested in XXXXXX XXXX XXXXXX and XXXXXXXXX XXXXXXX XXXXXXX ( Borrower and Non-borrower). Loan is refinance and borrower signed note and DOT in the name of XXX. provide deed or updated title document \nProvide quit claim deed. or the updated title. - Due Diligence Vendor-XX/XX/XXXX

_xXXXX_\n

Resolved-Quit claim deed provided. Resolved - Due Diligence Vendor-XX/XX/XXXX_xXXXX_\n

XXXX

Investment

Refinance

No Cash Out - Borrower Initiated

XXXX

N/A

XXXX

305082601

Closed

2026-03-30 03:17

2026-04-27 04:51

Resolved

1 - Information

Credit

Insurance

Hazard Insurance Coverage Amount is less than Required Coverage Amount

Resolved-RCE present in file on page #XXXX with replacement cost value of $XXX,XXX which is within the dwelling amount of $XXX,XXX hence condition resolved. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_\nResolved-Hazard Insurance Coverage Amount of $XXXXXX is equal to or greater than Required Coverage Amount of $XXXXXX or Guaranteed Replacement Coverage is present (Guaranteed Replacement Coverage indicator is 'No') - Due Diligence Vendor-XX/XX/XXXX _xXXXX_\nReady for Review-Document Uploaded. - Buyer-XX/XX/XXXX _xXXXX_\nOpen-Hazard Insurance Coverage Amount of $XXXXXX is less than Required Coverage Amount of $XXXXXX and Guaranteed Replacement Coverage indicator is 'No' - Due Diligence Vendor-XX/XX/XXXX

_xXXXX_\n

XXXX

Investment

Refinance

Cash Out - Other

XXXX

N/A

XXXX

305082346

Closed

2026-03-30 13:44

2026-04-21 05:09

Resolved

1 - Information

Credit

Missing Doc

Missing Business Narrative

Resolved-Resolved, Business Narrative provided and saved., - Due Diligence Vendor-XX/XX/XXXX _xXXXX_\nResolved-Self-Employed Business Narrative Form uploaded, Verified & entered in system - Resolved\n - Due Diligence Vendor-XX/XX/XXXX _xXXXX_\nReady for Review-Document Uploaded. CORRECT ATTACHMENT NOW UPLOADED - Buyer-XX/XX/XXXX _xXXXX_\nReady for Review-Document Uploaded. attached - Buyer-XX/XX/XXXX _xXXXX_\nOpen-Provide the Self employment business narrative it is missing from the service file. - Due Diligence Vendor-XX/XX/XXXX

_xXXXX_\n

XXXX

Primary Residence

Purchase

XXXX

N/A

XXXX

305082459

Closed

2026-03-30 05:53

2026-04-09 04:02

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 3rd Party VOE Prior to Close Missing

Resolved-Resolved, Update Xrd party voe. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_\nResolved-Requested Xrd Party VOE provided, Updated & Condition Resolved - Due Diligence Vendor-XX/XX/XXXX _xXXXX_\nResolved-Borrower X Xrd Party VOE Prior to Close Was Provided - Due Diligence Vendor-XX/XX/XXXX _xXXXX_\nReady for Review-Document Uploaded. Uploaded - Buyer-XX/XX/XXXX _xXXXX_\nOpen-Borrower X Xrd Party VOE Prior to Close Missing Provide Borrower X Xrd Party VOE Prior to Close Missing within XX days of closing. - Due Diligence Vendor-XX/XX/XXXX

_xXXXX_\n

XXXX

Primary Residence

Purchase

XXXX

N/A

XXXX

305082459

Closed

2026-03-30 02:53

2026-04-09 04:01

Resolved

1 - Information

Credit

Missing Doc

Borrower 2 3rd Party VOE Prior to Close Missing

Resolved-Resolved. Requested Xrd Party VOE provided, Updated & Condition Resolved - Due Diligence Vendor-XX/XX/XXXX _xXXXX_\nResolved-Borrower X Xrd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals X) - Due Diligence Vendor-XX/XX/XXXX _xXXXX_\nReady for Review-Document Uploaded. Uploaded. - Buyer-XX/XX/XXXX _xXXXX_\nOpen-Borrower X Xrd Party VOE Prior to Close Missing Provide Borrower X Xrd Party VOE Prior to Close Missing within XX days of closing.\n - Due Diligence Vendor-XX/XX/XXXX

_xXXXX_\n

XXXX

Primary Residence

Purchase

XXXX

N/A

XXXX

305082617

Closed

2026-03-31 01:05

2026-04-28 03:45

Resolved

1 - Information

Credit

Title

Title Coverage is Less than Subject Lien(s) Total

Resolved-Requested updated title document with updated insurance amount that covers loan amount provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_\nResolved-Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-XX/XX/XXXX _xXXXX_\nReady for Review-Document Uploaded. Please see attached final XXXX policy with correct mortgage amount. - Buyer-XX/XX/XXXX _xXXXX_\nOpen-Title Coverage Amount of $XXXXXX is Less than Loan Amount Proposed Title Coverage Amount of $XXXXXX is Less than Loan Amount which is $XXX,XXX. - Due Diligence Vendor-XX/XX/XXXX

_xXXXX_\n

XXXX

Investment

Refinance

Cash Out - Other

XXXX

N/A

XXXX

305082617

Closed

2026-04-06 08:35

2026-04-21 06:29

Resolved

1 - Information

Property

Ineligible Property

Resolved-renovations completed, finding resolved. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_\nReady for Review-Document Uploaded. The property has been renovated and updated, and both the CDA report and the Appraisal reflect the same value. The renovations have been completed, please see the attached documentation. Based on this, we meet the guideline requirements. Please rescind finding, thank you. - Buyer-XX/XX/XXXX _xXXXX_\nOpen-Seasoning requirements not met. last title transfer dated XX/XX/XX, XX require X months. - Due Diligence Vendor-XX/XX/XXXX

_xXXXX_\n

Resolved-renovations completed, finding resolved. - Due Diligence Vendor-XX/XX/XXXX_xXXXX_\n

XXXX

Investment

Refinance

Cash Out - Other

XXXX

N/A

XXXX

305082497

Closed

2026-03-31 03:04

2026-04-29 21:14

Resolved

1 - Information

Compliance

TRID Tolerance

Insufficient Change of Circumstance (50001252)

Resolved-Added uploaded COC to disclosure, Resolved - Due Diligence Vendor-XX/XX/XXXX _xXXXX_\nResolved- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_\nReady for Review-Document Uploaded. Uploaded - Seller-XX/XX/XXXX _xXXXX_\nOpen- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_\nOpen-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Points - Loan Discount Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (XX CFR XXXX.XX(e)(X); XX CFR XXXX.XX(e)(X); XX CFR XXXX.XX(f)(X)(v)). In Initial Closing Disclosure dated XX/XX/XXXX, discount point fee has been added but no Changed Cirumstances has been provided for that. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_\nOpen- - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Uploaded - Seller-XX/XX/XXXX_xXXXX_\n

Resolved-Added uploaded COC to disclosure, Resolved - Due Diligence Vendor-XX/XX/XXXX_xXXXX_\n

XXXX

Primary Residence

Refinance

Cash Out - Other

XXXX

N/A

XXXX

305082497

Closed

2026-03-31 04:45

2026-04-28 08:30

Resolved

1 - Information

Credit

Missing Doc

Bank Statement Summary / Lender Worksheet Missing

Resolved-Income calc provided - Due Diligence Vendor-XX/XX/XXXX _xXXXX_\nReady for Review-Document Uploaded. Uploaded - Buyer-XX/XX/XXXX _xXXXX_\nCounter-Bank statements have been provided and reviewed. We are missing the income worksheet for XX movers as it was missing from the loan file. Please provide the income worksheet for this account. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_\nReady for Review-Document Uploaded. uploaded - Buyer-XX/XX/XXXX _xXXXX_\nOpen-Borrower has X businesses: XX XXXXXXXX XXXXXXX XXX and XX Movers XXX\nIncome worksheet provided for XX XXXXXXXX XXXXXXX XXX, but income worksheet is not provided for XX Movers XXX account number#XXXX - Due Diligence Vendor-XX/XX/XXXX

_xXXXX_\n

Resolved-Income calc provided - Due Diligence Vendor-XX/XX/XXXX_xXXXX_\n

XXXX

Primary Residence

Refinance

Cash Out - Other

XXXX

N/A

XXXX

305082497

Closed

2026-03-31 03:04

2026-04-29 21:11

Resolved

1 - Information

Compliance

HigherPriced:APR

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

Resolved-The loan meets XXXX guidelines, - Due Diligence XXXXXX-XX/XX/XXXX

Open- - Due Diligence XXXXXX-XX/XX/XXXX

Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal XXXX threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable XXXX for this loan is (X.XX%).(XX XXX XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. ( XX XXX § XXXX.XX(a)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX XXX §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXXX Header Disclosure XXXX was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s XXX and the Final Closing disclosure on Pg#’s XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#’s XXX. An interior and exterior appraisal was completed for this property – see pg XX, the appraisal disclosure was provided to the borrower(s)- see Pg#’s XXX, and confirmation the appraisal was delivered to the borrower – see Pg#’s XXX. The loan meets XXXX guidelines, resolved. - Due Diligence XXXXXX-XX/XX/XXXX

Open- - Due Diligence XXXXXX-XX/XX/XXXX

Open- - Due Diligence XXXXXX-XX/XX/XXXX

Resolved-The loan meets XXXX guidelines, - Due Diligence XXXXXX-XX/XX/XXXX

Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal XXXX threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable XXXX for this loan is (X.XX%).(XX XXX XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. ( XX XXX § XXXX.XX(a)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX XXX §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXXX Header Disclosure XXXX was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s XXX and the Final Closing disclosure on Pg#’s XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#’s XXX. An interior and exterior appraisal was completed for this property – see pg XX, the appraisal disclosure was provided to the borrower(s)- see Pg#’s XXX, and confirmation the appraisal was delivered to the borrower – see Pg#’s XXX. The loan meets XXXX guidelines, resolved. - Due Diligence XXXXXX-XX/XX/XXXX

XXXX

Primary Residence

Refinance

Cash Out - Other

XXXX

N/A

XXXX

305039631

Closed

2026-04-01 00:29

2026-04-07 05:56

Resolved

1 - Information

Credit

Borrower

Borrower 1 Ethnicity Selection is Not Provided

Resolved-Ethnicity selection of the borrower provided, Verified - Resolved - Due Diligence XXXXXX-XX/XX/XXXX

Resolved-Borrower X Ethnicity Selection is Provided - Due Diligence XXXXXX-XX/XX/XXXX

Ready for Review-XXXX completed - Due Diligence XXXXXX-XX/XX/XXXX

Open-Borrower X Ethnicity Selection is Not Provided Provide Borrower X Ethnicity Details Missing in File. - Due Diligence XXXXXX-XX/XX/XXXX

Resolved-Ethnicity selection of the borrower provided, Verified - Resolved - Due Diligence XXXXXX-XX/XX/XXXX

Resolved-Borrower X Ethnicity Selection is Provided - Due Diligence XXXXXX-XX/XX/XXXX

XXXX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

XXXX

N/A

XXXX

305039631

Closed

2026-04-01 00:42

2026-04-07 00:02

Resolved

1 - Information

Compliance

Missing Doc

Other Rider is Missing

Resolved-Requested XXXX rider provided, updated & condition resolved. - Due Diligence XXXXXX-XX/XX/XXXX

Ready for Review-All pages of XXX - Due Diligence XXXXXX-XX/XX/XXXX

Open-XXXX Rider Missing in file. - Due Diligence XXXXXX-XX/XX/XXXX

Resolved-Requested XXXX rider provided, updated & condition resolved. - Due Diligence XXXXXX-XX/XX/XXXX

XXXX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

XXXX

N/A

XXXX

305082648

Closed

2026-04-01 04:11

2026-04-04 20:10

Waived

2 - Non-Material

Credit

Eligibility

Ineligible Housing History per program guidelines

Waived-Housing History Does Not Meet XXXXXXXXX Requirements Exception on pg XXX for no primary housing expense is approved. Borrower lives rent-free with parents , - Due Diligence XXXXXX-XX/XX/XXXX

XXXX

Investment

Refinance

Cash Out - Other

XXXX

Originator Pre-Close

Yes

XXXX

305082630

Closed

2026-04-04 21:37

2026-04-30 06:30

Resolved

1 - Information

Credit

Guarantor Recourse Document is not executed

Resolved- - Due Diligence XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. Please see the attached executed Guarantor document. - Buyer-XX/XX/XXXX

Open-Guarantor Recourse Document is not executed - Due Diligence XXXXXX-XX/XX/XXXX

XXXX

Investment

Refinance

Cash Out - Other

XXXX

N/A

XXXX

305082603

Closed

2026-04-01 03:15

2026-04-29 09:36

Resolved

1 - Information

Credit

Doc Issue

HOA Fee Difference

Resolved-XXXXXX confirmed use of Condo questionnaire calculation for XXX. Finding resolved. - Due Diligence XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. The XXX amount used by underwriting for XXX is directly from the association Condo questionnaire. Please rescind finding, thank you. - Buyer-XX/XX/XXXX

Open-XXX Fee difference exsits between validated XXX and documents As per condo questionnaire and First payment letter and Final XX and property profile report XXX is $XXX whereas in Appraisal XXX mentioned as $XXX, Considering $XXX as for calculation. - Due Diligence XXXXXX-XX/XX/XXXX

Resolved-XXXXXX confirmed use of Condo questionnaire calculation for XXX. Finding resolved. - Due Diligence XXXXXX-XX/XX/XXXX

XXXX

Primary Residence

Refinance

Cash Out - Other

XXXX

N/A

XXXX

305071323

Closed

2026-04-01 23:02

2026-04-10 02:02

Resolved

1 - Information

Credit

Title

Title Coverage is Less than Subject Lien(s) Total

Resolved-Title coverage is less than loan amount, Updated Title Document provided, updated & Condition Resolved - Due Diligence XXXXXX-XX/XX/XXXX

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

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

Open-Title Coverage Amount of $XXXXXX is Less than Loan Amount $XXXXXX. - Due Diligence XXXXXX-XX/XX/XXXX

XXXX

Primary Residence

Refinance

Cash Out - Other

XXXX

N/A

XXXX

305071323

Closed

2026-04-02 00:19

2026-04-10 02:01

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 Gap Credit Report is Missing

Resolved-Requested Gap Credit report provided, updated & Condition Resolved - Due Diligence XXXXXX-XX/XX/XXXX

Resolved-Borrower X Gap Credit Report is not missing. - Due Diligence XXXXXX-XX/XX/XXXX

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

Open-Borrower X Gap Credit Report is Missing - Due Diligence XXXXXX-XX/XX/XXXX

Resolved-Requested Gap Credit report provided, updated & Condition Resolved - Due Diligence XXXXXX-XX/XX/XXXX

Resolved-Borrower X Gap Credit Report is not missing. - Due Diligence XXXXXX-XX/XX/XXXX

XXXX

Primary Residence

Refinance

Cash Out - Other

XXXX

N/A

XXXX

305071323

Closed

2026-04-02 04:57

2026-04-10 00:37

Resolved

1 - Information

Compliance

Missing Doc

Homeownership Counseling Disclosure Is Missing

Resolved-Homeownership Counseling Disclosure uploaded, Verified & entered in system - Resolved
- Due Diligence XXXXXX-XX/XX/XXXX

Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence XXXXXX-XX/XX/XXXX

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

Open-Homeownership Counseling Disclosure Is Missing
- Due Diligence XXXXXX-XX/XX/XXXX

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

XXXX

Primary Residence

Refinance

Cash Out - Other

XXXX

N/A

XXXX

305082390

Closed

2026-04-02 06:22

2026-04-20 04:43

Resolved

1 - Information

Credit

Deficient non-subject rental income documentation.

Resolved-Requested Taxes & Insurance documents provided for other XXX property, updated & condition resolved. - Due Diligence XXXXXX-XX/XX/XXXX

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

Open-For XXX "XXXX Parkview X" unable to verify tax and insurance. - Due Diligence XXXXXX-XX/XX/XXXX

Resolved-Requested Taxes & Insurance documents provided for other XXX property, updated & condition resolved. - Due Diligence XXXXXX-XX/XX/XXXX

XXXX

Investment

Purchase

XXXX

N/A

XXXX

305082550

Closed

2026-04-03 01:42

2026-04-28 04:32

Resolved

1 - Information

Credit

Eligibility

Fraud Report Shows Uncleared Alerts

Resolved-Requested alerts cleared fraud report provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_
Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-XX/XX/XXXX _xXXXX_
Ready for Review-Document Uploaded. Updated fraud report attached to clear. - Buyer-XX/XX/XXXX _xXXXX_
Open-Fraud Report Shows Uncleared Alerts Fraud report has uncleared High alerts. Need updated fraud report with cleared alerts. - Due Diligence Vendor-XX/XX/XXXX

XXXX

Primary Residence

Refinance

Cash Out - Other

XXXX

N/A

XXXX

305071438

Closed

2026-04-02 22:37

2026-04-28 03:50

Resolved

1 - Information

Credit

Missing Doc

Flood Insurance Policy Missing

Resolved-Requested flood insurance policy provided updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_
Resolved-Flood Insurance Policy is fully present - Due Diligence Vendor-XX/XX/XXXX _xXXXX_
Ready for Review-Document Uploaded. Please see the attached flood insurance policy that expires X/XX/XX. - Buyer-XX/XX/XXXX _xXXXX_
Open-Missing Flood Insurance Policy Flood insurance in file expired XX/XX. - Due Diligence Vendor-XX/XX/XXXX

XXXX

Investment

Purchase

XXXX

N/A

XXXX

305071438

Closed

2026-04-05 23:46

2026-04-07 10:37

Waived

2 - Non-Material

Credit

Income/Employment

Income and Employment Do Not Meet Guidelines

Waived-Income and Employment Do Not Meet XXXXXXXXXX Exception page XXXX. Declining income > XX%. Nature of business is such that there will be significant fluctuations. - Due Diligence Vendor-XX/XX/XXXX

XXXX

Investment

Purchase

XXXX

Originator Pre-Close

Yes

XXXX

305080757

Closed

2026-04-08 09:11

2026-05-05 07:14

Resolved

1 - Information

Credit

Eligibility

Loan does not conform to program guidelines

Resolved- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_
Ready for Review-Document Uploaded. Please see the attached email from XXXX XXXXXX (XXX Client Experience). Per the email "A second appraisal can be utilized to override the XXX valuation. Xnd appraisal dated X/XX/XX attached which has a value of $XXX,XXX which matches the appraisal dated X/XX/XX - Buyer-XX/XX/XXXX _xXXXX_
Open-Loan does not conform to program XXXXXXXXXX Per XXXXXXXXXX a XXX is required and is missing in file - Due Diligence Vendor-XX/XX/XXXX

XXXX

Investment

Refinance

Cash Out - Other

XXXX

N/A

XXXX

305082651

Closed

2026-04-02 03:33

2026-05-06 05:06

Resolved

1 - Information

Credit

Eligibility

Business Entity Formation Doc Missing

Resolved-Validation Resolved' - Due Diligence Vendor-XX/XX/XXXX _xXXXX_
Ready for Review-Document Uploaded. Please see the attached XXX for XXXX XXXXXXX XXX. Please clear. - Buyer-XX/XX/XXXX _xXXXX_
Counter-None of the documents uploaded appear to have the XXX. Provide XXX document - Due Diligence Vendor-XX/XX/XXXX _xXXXX_
Ready for Review-Document Uploaded. Entity docs attached above - please clear at your earliest convenience. - Buyer-XX/XX/XXXX _xXXXX_
Open-Entity Formation Doc Indicator is Missing. Entity Formation Document missing from loan file. Provide Entity document to verify XXX. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Validation Resolved' - Due Diligence Vendor-XX/XX/XXXX_xXXXX_

XXXX

Investment

Refinance

Cash Out - Other

XXXX

N/A

XXXX

305082651

Closed

2026-04-02 06:32

2026-04-23 17:12

Waived

2 - Non-Material

Credit

Borrower

Citizenship Does Not Meet Guideline Requirements

Waived-Exception Approved - Due Diligence Vendor-XX/XX/XXXX _xXXXX_
Unable to Resolve-Unable to Resolve-Document Uploaded. XX Approved exception at initial UW - Please clear at your earliest convenience. - Seller-XX/XX/XXXX _xXXXX_
Open-Exception provided on page#XXX:
Exception to allow Venezuelan citizen as a borrower is approved. Borrower is a permanent resident with green card that extends status thru X/XX.
- Due Diligence Vendor-XX/XX/XXXX

Unable to Resolve-Unable to Resolve-Document Uploaded. XX Approved exception at initial UW - Please clear at your earliest convenience. - Seller-XX/XX/XXXX_xXXXX_

Waived-Exception Approved - Due Diligence Vendor-XX/XX/XXXX_xXXXX_

XXXX

Investment

Refinance

Cash Out - Other

XXXX

Originator Pre-Close

Yes

XXXX

305082651

Closed

2026-04-02 04:43

2026-04-23 17:12

Waived

2 - Non-Material

Credit

Eligibility

Audited Loan Amount is less than Guideline Minimum Loan Amount

Waived-Exception Approved - Due Diligence Vendor-XX/XX/XXXX _xXXXX_
Unable to Resolve-Unable to Resolve-Document Uploaded. XX Approved Exception at initial UW - Please clear. - Seller-XX/XX/XXXX _xXXXX_
Open-Audited Loan Amount is less than XXXXXXXXX Minimum Loan Amount Audited Loan Amount of $XXXXX is less than the XXXXXXXXX Minimum Loan Amount of $XXXXXX - Due Diligence Vendor-XX/XX/XXXX

Unable to Resolve-Unable to Resolve-Document Uploaded. XX Approved Exception at initial UW - Please clear. - Seller-XX/XX/XXXX_xXXXX_

Waived-Exception Approved - Due Diligence Vendor-XX/XX/XXXX_xXXXX_

XXXX

Investment

Refinance

Cash Out - Other

XXXX

Originator Pre-Close

Yes

XXXX

305082651

Closed

2026-04-08 06:04

2026-04-23 05:17

Resolved

1 - Information

Credit

Eligibility

Loan does not conform to program guidelines

Resolved-File is considered for delayed financing and the seasoning requirements and per XXXXXXXXXX delayed financing is allowed  with less than X months ownership - Due Diligence Vendor-XX/XX/XXXX _xXXXX_
Ready for Review-Document Uploaded. This appears to be delayed financing - please clear finding  :) - Seller-XX/XX/XXXX _xXXXX_
Open-Loan does not conform to program XXXXXXXXXX Property was sold less than X months ago on XX/XX/XX. Does not meet X month seasoning requirements.  - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. This appears to be delayed financing - please clear finding :) - Seller-XX/XX/XXXX_xXXXX_

XXXX

Investment

Refinance

Cash Out - Other

XXXX

N/A

XXXX

305082473

Closed

2026-04-08 13:26

2026-04-20 07:31

Resolved

1 - Information

Credit

Eligibility

Fraud Report Shows Uncleared Alerts

Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-XX/XX/XXXX _xXXXX_
Ready for Review-Document Uploaded. Fraud Guard uploaded for review. - Seller-XX/XX/XXXX _xXXXX_
Counter-Fraud alerts provided with high alerts still uncleared. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_
Ready for Review-Document Uploaded. Fraud Report cleared by UW uploaded for review. - Seller-XX/XX/XXXX _xXXXX_
Open-Fraud Report Shows Uncleared Alerts Fraud Report Shows Uncleared High Alerts - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Fraud Guard uploaded for review. - Seller-XX/XX/XXXX _xXXXX_
Ready for Review-Document Uploaded. Fraud Report cleared by UW uploaded for review. - Seller-XX/XX/XXXX_xXXXX_

Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-XX/XX/XXXX_xXXXX_

XXXX

Investment

Refinance

No Cash Out - Borrower Initiated

XXXX

N/A

XXXX

305082473

Closed

2026-04-06 20:02

2026-04-14 13:12

Resolved

1 - Information

Compliance

TRID

Final CD: Disbursement Date is missing or inaccurate

Resolved- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_
Ready for Review-Document Uploaded. Corrected page X of the SS uploaded for review. - Buyer-XX/XX/XXXX _xXXXX_
Open-Provided disbursement date is XX/XX/XXXX which is before closing/settlement date. Provide correct disbursement date on or after closing/settlement date. - Due Diligence Vendor-XX/XX/XXXX

XXXX

Investment

Refinance

No Cash Out - Borrower Initiated

XXXX

N/A

XXXX

305082473

Closed

2026-04-07 10:01

2026-04-14 13:08

Resolved

1 - Information

Credit

Borrower

Borrower information on 1003 is incomplete

Resolved- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_
Ready for Review-Document Uploaded. Loan Application uploaded for review - Buyer-XX/XX/XXXX _xXXXX_
Open-Provide correct XXXX with the correct loan amount to match the note of $XXX,XXX.XX, per XXXXXXXXXX a guarantor is required to have a signed application in file. - Due Diligence Vendor-XX/XX/XXXX

_xXXXX_

XXXX

Investment

Refinance

No Cash Out - Borrower Initiated

XXXX

N/A

XXXX

305082473

Closed

2026-04-06 04:30

2026-04-14 01:18

Resolved

1 - Information

Credit

Title

Title Coverage is Less than Subject Lien(s) Total

Resolved-Updated Title Commitment uploaded, Verified & entered in system - Resolved
- Due Diligence Vendor-XX/XX/XXXX _xXXXX_
Resolved-Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-XX/XX/XXXX _xXXXX_
Ready for Review-Document Uploaded. Updated Title uploaded for review. - Buyer-XX/XX/XXXX _xXXXX_
Open-Title Coverage Amount of $XXXXXX is Less than Loan Amount Provide title report with the sufficient title coverages - Due Diligence Vendor-XX/XX/XXXX

_xXXXX_

XXXX

Investment

Refinance

No Cash Out - Borrower Initiated

XXXX

N/A

XXXX

305082473

Closed

2026-04-07 10:03

2026-04-10 13:16

Resolved

1 - Information

Credit

Deficient AUS/Loan Approval

Resolved-Loan approval provided with correct loan amount of $XXX,XXX - Due Diligence Vendor-XX/XX/XXXX _xXXXX_
Resolved-Loan approval provided with correct loan amount of $XXX,XXX - Due Diligence Vendor-XX/XX/XXXX _xXXXX_
Ready for Review-Document Uploaded. Updated Approval uploaded for review. - Seller-XX/XX/XXXX _xXXXX_
Open-Provide corrected loan approval of $XXX,XXX.XX to match the note. Currently the loan approval in file is $XXX,XXX - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Updated Approval uploaded for review. - Seller-XX/XX/XXXX_xXXXX_

XXXX

Investment

Refinance

No Cash Out - Borrower Initiated

XXXX

N/A

XXXX

305082473

Closed

2026-04-07 10:06

2026-04-10 13:16

Resolved

1 - Information

Credit

Missing Doc

Rate Lock Document is Missing

Resolved-Rate lock provided with the correct loan amount of $XXX,XXX.XX - Due Diligence Vendor-XX/XX/XXXX _xXXXX_
Resolved-Ratel lock provided with the correct loan amount of $XXX,XXX.XX - Due Diligence Vendor-XX/XX/XXXX _xXXXX_
Ready for Review-Document Uploaded. Updated rate lock uploaded for review. - Buyer-XX/XX/XXXX _xXXXX_
Open-Missing final rate lock with the correct loan amount to match note of $XXX,XXX.XX, currently rate lock in file is for loan amount of $XXX,XXX - Due Diligence Vendor-XX/XX/XXXX

_xXXXX_

XXXX

Investment

Refinance

No Cash Out - Borrower Initiated

XXXX

N/A

XXXX

305082681

Closed

2026-04-03 04:35

2026-04-10 07:22

Resolved

1 - Information

Credit

Missing Doc

Borrower 2 3rd Party VOE Prior to Close Missing

Resolved-Lender provided VOE for Borrower X - finding resolved. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX _xXXXX_
Open-Borrower X Xrd Party VOE Prior to Close Missing Provide Verbal VOE (dated within X days of closing) is required per XXXXXXXXXX (Loan has work number dated more than X days from closing) - Due Diligence Vendor-XX/XX/XXXX

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

Resolved-Lender provided VOE for Borrower X - finding resolved. - Due Diligence Vendor-XX/XX/XXXX_xXXXX_

XXXX

Investment

Purchase

XXXX

N/A

XXXX

305082681

Closed

2026-04-03 04:35

2026-04-10 07:21

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 3rd Party VOE Prior to Close Missing

Resolved-Lender provided VOE for Borrower X - finding resolved. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX _xXXXX_
Open-Borrower X Xrd Party VOE Prior to Close Missing Provide a licensed/certified tax preparer letter used to verify self-employment addressed to a correspondent (or To Whom It May Concern) is acceptable. The letter will be re-verified either verbally or in writing prior to funding. The re-verification shall be good for XXX days prior to the Note date. - Due Diligence Vendor-XX/XX/XXXX

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

Resolved-Lender provided VOE for Borrower X - finding resolved. - Due Diligence Vendor-XX/XX/XXXX_xXXXX_

XXXX

Investment

Purchase

XXXX

N/A

XXXX

305082681

Closed

2026-04-03 11:46

2026-04-06 07:39

Resolved

1 - Information

Compliance

Missing Doc

Missing evidence Mortgage/Deed of Trust will be recorded

Resolved-Evidence of Mortgage Recording is present or Mortgage has been sent for Recording - Due Diligence Vendor-XX/XX/XXXX _xXXXX_
Ready for Review-Uploaded in other condition - Seller-XX/XX/XXXX _xXXXX_
Open-Missing evidence of Mortgage recording Final HUD missing from loan file to validate recording charges. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Uploaded in other condition - Seller-XX/XX/XXXX_xXXXX_

Resolved-Evidence of Mortgage Recording is present or Mortgage has been sent for Recording - Due Diligence Vendor-XX/XX/XXXX_xXXXX_

XXXX

Investment

Purchase

XXXX

N/A

XXXX

305082681

Closed

2026-04-03 05:53

2026-04-06 01:30

Resolved

1 - Information

Compliance

Missing Doc

Final HUD-1 or Final Settlement Statement Document is Missing

Resolved-Updated Final Settlement Statement Document uploaded, Verified & entered in system - Resolved
- Due Diligence Vendor-XX/XX/XXXX _xXXXX_
Resolved-Final HUD-X Document is Present or Not Applicable - Due Diligence Vendor-XX/XX/XXXX _xXXXX_
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX _xXXXX_
Open-Final HUD-X Document is Missing. Provide Final HUD/CD missing in loan file - Due Diligence Vendor-XX/XX/XXXX

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

XXXX

Investment

Purchase

XXXX

N/A

XXXX

305063704

Closed

2026-04-07 06:26

2026-05-04 04:28

Resolved

1 - Information

Credit

Spousal Consent Missing

Resolved-Spousal Consent not required, Verified - Resolved - Due Diligence Vendor-XX/XX/XXXX _xXXXX_
Resolved-Spousal Consent not required, Verified - Resolved - Due Diligence Vendor-XX/XX/XXXX _xXXXX_
Ready for Review-Loan is investment property and spousal consent is not required. Please rescind. - Seller-XX/XX/XXXX _xXXXX_
Open-In XX, XX, XX, XX, XX, XX, XX, when a personal guaranty is present, then evidence of spousal consent is also required. Provide Spousal consent it's missing from the service file. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Loan is investment property and spousal consent is not required. Please rescind. - Seller-XX/XX/XXXX_xXXXX_

XXXX

Investment

Refinance

Cash Out - Other

XXXX

N/A

XXXX

305063704

Closed

2026-04-07 06:00

2026-04-20 04:52

Resolved

1 - Information

Credit

Missing Doc

Business Purpose Affidavit is Missing

Resolved-Requested Final BPA document Provided, updated & Condition Resolved - Due Diligence Vendor-XX/XX/XXXX _xXXXX_
Resolved-The Business Purpose Affidavit is present or Not Applicable (XXXX Page Loan Type is XXXX.) - Due Diligence Vendor-XX/XX/XXXX _xXXXX_
Ready for Review-Document Uploaded. Please see signed Business Purpose Affidavit and rescind finding, thank you. - Seller-XX/XX/XXXX _xXXXX_
Open-Provide the final signed and dated business purpose affidavit. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_
Rescinded-The XXXX Page Loan Type is 'XXXX' but the Business Purpose Affidavit Disclosure Indicator on the XXXX is 'Missing', and on the Business Purpose VX Page is 'Missing'. Business Purpose Affidavit is required for a XXXX loan. Rescinded, Conditioned for Business purpose affidavit. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Please see signed Business Purpose Affidavit and rescind finding, thank you. - Seller-XX/XX/XXXX_xXXXX_

Resolved-Requested Final BPA document Provided, updated & Condition Resolved - Due Diligence Vendor-XX/XX/XXXX _xXXXX_
Resolved-The Business Purpose Affidavit is present or Not Applicable (XXXX Page Loan Type is XXXX.) - Due Diligence Vendor-XX/XX/XXXX _xXXXX_
Rescinded-The XXXX Page Loan Type is 'XXXX' but the Business Purpose Affidavit Disclosure Indicator on the XXXX is 'Missing', and on the Business Purpose VX Page is 'Missing'. Business Purpose Affidavit is required for a XXXX loan. Rescinded, Conditioned for Business purpose affidavit. - Due Diligence Vendor-XX/XX/XXXX_xXXXX_

XXXX

Investment

Refinance

Cash Out - Other

XXXX

N/A

XXXX

305063704

Closed

2026-04-07 06:11

2026-04-15 09:50

Resolved

1 - Information

Compliance

Closing

The Deed of Trust is Not Executed

Resolved-The Deed of Trust is Executed - Due Diligence Vendor-XX/XX/XXXX _xXXXX_
Ready for Review-Document Uploaded. Please see signed fully executed DoT and rescind finding, thank you. - Seller-XX/XX/XXXX _xXXXX_
Open-The Deed of Trust is Not Executed Provide the signed and dated Deed of Trust, The Deed of Trust in file is not executed. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Please see signed fully executed DoT and rescind finding, thank you. - Seller-XX/XX/XXXX_xXXXX_

Resolved-The Deed of Trust is Executed - Due Diligence Vendor-XX/XX/XXXX_xXXXX_

XXXX

Investment

Refinance

Cash Out - Other

XXXX

N/A

XXXX

305063704

Closed

2026-04-07 06:07

2026-04-15 09:08

Resolved

1 - Information

Compliance

Closing

The Note is Not Executed

Resolved-The Note is Executed - Due Diligence Vendor-XX/XX/XXXX _xXXXX_
Ready for Review-Document Uploaded. Please see signed executed Note and rescind finding, thank you. - Buyer-XX/XX/XXXX _xXXXX_
Open-The Note is Not Executed Provide the signed and dated Note. - Due Diligence Vendor-XX/XX/XXXX

_xXXXX_

Resolved-The Note is Executed - Due Diligence Vendor-XX/XX/XXXX_xXXXX_

XXXX

Investment

Refinance

Cash Out - Other

XXXX

N/A

XXXX

305063704

Closed

2026-04-07 06:06

2026-04-14 02:02

Resolved

1 - Information

Compliance

Missing Doc

The Final 1003 is Missing

Resolved-Final XXXX provided. Resolved
- Due Diligence Vendor-XX/XX/XXXX _xXXXX_
Ready for Review-Document Uploaded. Please see signed final XXXX and rescind finding, thank you. - Buyer-XX/XX/XXXX _xXXXX_
Open-The Final XXXX is Missing Provide the final XXXX it is missing from the service file. - Due Diligence Vendor-XX/XX/XXXX

_xXXXX_

Resolved-Final XXXX provided. Resolved
- Due Diligence Vendor-XX/XX/XXXX_xXXXX_

XXXX

Investment

Refinance

Cash Out - Other

XXXX

N/A

XXXX

305082616

Closed

2026-04-05 00:18

2026-04-27 17:02

Waived

1 - Information

Credit

Eligibility

Audited Loan Amount is less than Guideline Minimum Loan Amount

Waived-Formal exception in loan file. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_
Ready for Review-Document Uploaded. XX approved exception at initial UW - Please clear at your earliest convenience. - Buyer-XX/XX/XXXX _xXXXX_
Open-Audited Loan Amount is less than Guideline Minimum Loan Amount Exception on page#XXXX

Exception approved for loan amount $XX,XXX vs $XXXK. Subject is tenant occupied inCX condition. All components are avg condition. As is appraisal with no required repairs. DSCR > X.X based on current rents.
- Due Diligence Vendor-XX/XX/XXXX

_xXXXX_

Waived-Formal exception in loan file. - Due Diligence Vendor-XX/XX/XXXX_xXXXX_

XXXX

Investment

Refinance

Cash Out - Other

XXXX

Originator Pre-Close

Yes

XXXX

305082504

Closed

2026-04-03 01:43

2026-04-20 07:26

Resolved

1 - Information

Credit

Missing Doc

Business Purpose Affidavit is Missing

Resolved-BPA provided, XX updated, finding resolved.  - Due Diligence Vendor-XX/XX/XXXX _xXXXX_
Ready for Review-The XXXX Page Loan Type is 'DSCR' but the Business Purpose Affidavit Disclosure Indicator on the XXXX is 'Present', and on the Business Purpose VX Page is 'Missing'.  Business Purpose Affidavit is required for a DSCR loan. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_
Ready for Review-Document Uploaded. attached  - Buyer-XX/XX/XXXX _xXXXX_
Open-The XXXX Page Loan Type is 'DSCR' but the Business Purpose Affidavit Disclosure Indicator on the XXXX is 'Missing', and on the Business Purpose VX Page is 'Missing'.  Business Purpose Affidavit is required for a DSCR loan. Final Business Purpose Affidavit Disclosure is missing in the file.
- Due Diligence Vendor-XX/XX/XXXX

_xXXXX_

Resolved-BPA provided, XX updated, finding resolved. - Due Diligence Vendor-XX/XX/XXXX_xXXXX_

XXXX

Investment

Refinance

Cash Out - Other

XXXX

N/A

XXXX

305082504

Closed

2026-04-03 03:39

2026-04-20 07:24

Resolved

1 - Information

Credit

Eligibility

Audited LTV Exceeds Guideline LTV

Resolved- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_
Ready for Review-Document Uploaded. we had the wrong credit report. Credit report attached with XXX score which is now within the guideline. Also provided an updated XXXX. - Seller-XX/XX/XXXX _xXXXX_
Open-Audited LTV Exceeds Guideline LTV Audited LTV of XX% exceeds Guideline LTV of XX%. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. we had the wrong credit report. Credit report attached with XXX score which is now within the guideline. Also provided an updated XXXX. - Seller-XX/XX/XXXX_xXXXX_

_xXXXX_

XXXX

Investment

Refinance

Cash Out - Other

XXXX

N/A

XXXX

305082504

Closed

2026-04-03 03:21

2026-04-20 07:23

Resolved

1 - Information

Credit

Eligibility

Ineligible Housing History per program guidelines

Resolved-Requested Account Ledger with XX+ Months of payments provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_
Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-XX/XX/XXXX _xXXXX_
Ready for Review-Document Uploaded. scroll down to bottom of lease to see the payment ledger - Buyer-XX/XX/XXXX _xXXXX_
Open-Housing History Does Not Meet Guideline Requirements Borrower currently lives for Rent. Unable to verify XX months housing history. Provide VOR or Rent proofs. - Due Diligence Vendor-XX/XX/XXXX

_xXXXX_

XXXX

Investment

Refinance

Cash Out - Other

XXXX

N/A

XXXX

305086811

Closed

2026-04-08 12:34

2026-04-21 07:33

Resolved

1 - Information

Credit

Missing Doc

1008 Document is Missing

Resolved-Updated Final XXXX provided showing NoCashout Refinance - finding resolved. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_
Ready for Review-Document Uploaded. see attached as rate-term - Buyer-XX/XX/XXXX _xXXXX_
Open-The XXXX document is missing from the loan file. Final XXXX in loan file indicates loan is a cash-out refinance however loan is a Rate & Term Refinance - provide updated Final XXXX. - Due Diligence Vendor-XX/XX/XXXX

_xXXXX_

Resolved-Updated Final XXXX provided showing NoCashout Refinance - finding resolved. - Due Diligence Vendor-XX/XX/XXXX_xXXXX_

XXXX

Investment

Refinance

No Cash Out - Borrower Initiated

XXXX

N/A

XXXX

305086811

Closed

2026-04-08 12:13

2026-04-21 07:28

Resolved

1 - Information

Credit

Missing Doc

Loan Approval Document is Missing

Resolved-Updated loan approval attached confirming loan is NoCashout Refinance - finding resolved. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_
Ready for Review-Document Uploaded. attached - Seller-XX/XX/XXXX _xXXXX_
Open-Loan approval document on page #XXX indicates the loan purpose is a Cash-Out refinance however loan is a Rate & Term - provide updated loan approval. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. attached - Seller-XX/XX/XXXX_xXXXX_

Resolved-Updated loan approval attached confirming loan is NoCashout Refinance - finding resolved. - Due Diligence Vendor-XX/XX/XXXX_xXXXX_

XXXX

Investment

Refinance

No Cash Out - Borrower Initiated

XXXX

N/A

XXXX

305086811

Closed

2026-04-08 12:12

2026-04-21 07:27

Resolved

1 - Information

Compliance

Missing Doc

Missing evidence of rate lock

Resolved-Lender provided Lock Confirmation showing loan is NoCashout Refinance - finding resolved. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_
Ready for Review-Document Uploaded. attached - Buyer-XX/XX/XXXX _xXXXX_
Open-Evidence of Rate Lock Missing Rate lock confirmation on page #XXX indicates the loan purpose is a Cash-Out Refinance however the loan is a Rate & Term Refinance since borrower didn't receive any cash back at closing nor was any other lien/debt paid off outside of the current mortgage on the subject property. - Due Diligence Vendor-XX/XX/XXXX

_xXXXX_

Resolved-Lender provided Lock Confirmation showing loan is NoCashout Refinance - finding resolved. - Due Diligence Vendor-XX/XX/XXXX_xXXXX_

XXXX

Investment

Refinance

No Cash Out - Borrower Initiated

XXXX

N/A

XXXX

305086811

Closed

2026-04-06 01:02

2026-04-13 04:21

Resolved

1 - Information

Credit

Eligibility

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

Resolved-Requested additional assets provided which covers the reserves requirement, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Audited Reserves of XXXXX month(s) are greater than or equal to XXXXXXXXX Required Reserves of X month(s) - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. see attached asset statement - Seller-XX/XX/XXXX

Open-Audited Reserves of month(s) are less than XXXXXXXXX Required Reserves of X month(s) Loan is a Rate & Term refinance, required assets to meet reserves, there aren't any assets in the loan file. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. see attached asset statement - Seller-XX/XX/XXXX

XXXX

Investment

Refinance

No Cash Out - Borrower Initiated

XXXX

N/A

XXXX

305082312

Closed

2026-04-03 02:59

2026-04-10 17:43

Resolved

1 - Information

Compliance

Missing Doc

TRID: Missing Initial Closing Disclosure

Resolved-Initial CD updated to loan review, resolved.  - Due Diligence Vendor-XX/XX/XXXX

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

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

Resolved-Initial CD updated to loan review, resolved. - Due Diligence Vendor-XX/XX/XXXX

XXXX

Primary Residence

Refinance

Cash Out - Other

XXXX

N/A

XXXX

305082312

Closed

2026-04-02 22:33

2026-04-10 17:21

Resolved

1 - Information

Credit

Title

Title Coverage is Less than Subject Lien(s) Total

Resolved-Title Coverage Amount of $XXXXXXX is equal to or greater than Total Amount of Subject Lien(s) - Commitment with correct loan amount provided, resolved. - Due Diligence Vendor-XX/XX/XXXX

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

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

Resolved-Title Coverage Amount of $XXXXXXX is equal to or greater than Total Amount of Subject Lien(s) - Commitment with correct loan amount provided, resolved. - Due Diligence Vendor-XX/XX/XXXX

XXXX

Primary Residence

Refinance

Cash Out - Other

XXXX

N/A

XXXX

305082312

Closed

2026-04-10 17:33

2026-04-14 23:20

Resolved

1 - Information

Compliance

TRID Tolerance

Insufficient Change of Circumstance (50001252)

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

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

Open-This loan failed the charges than cannot increase test due to the points fee that increased to $XX,XXX.XX when the final CD was issued to X/XX/XX without a valid change in circumstance. There is no evidence of reimbursement. Provide a valid COC form or to cure provide PCCD, LOE, evidence of refund and POD. - Due Diligence Vendor-XX/XX/XXXX

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

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

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

XXXX

Primary Residence

Refinance

Cash Out - Other

XXXX

N/A

XXXX

305071308

Closed

2026-04-03 07:34

2026-04-15 16:16

Waived

2 - Non-Material

Property

Appraisal

Collateral Documentation

Waived-Exception Approved - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-XX Approves exception - Buyer-XX/XX/XXXX

Open-There is an exception request on file on page XXX to proceed with the property being a Non-Warrantable Condo as well as insufficient Fidelity Bond Coverage.

Exception X:
Exception review - denied for ACV for roof coverages. We do not accept actual cash value - we require replacement. Note that the fidelity bond coverage is acceptable as exception.

Exception Request X Notes: Exception request to proceed with the subject condo as a non?warrantable condo. Per the Master EOI, the project has actual cash value coverage on the roof and
insufficient fidelity bond coverage (short approximately $XX,XXX.

Exception Request X: Decision: Approved
Exception review - Approved to proceed with fidelity bond coverage short by $XXK (rounded up)as non-warrantable.

Exception Request X Notes: Exception request to proceed with the subject condo as a non?warrantable condo. Updated master policy provided, insufficient fidelity bond coverage (short
approximately $XX,XXX. - Due Diligence Vendor-XX/XX/XXXX

Waived-Exception Approved - Due Diligence Vendor-XX/XX/XXXX

XXXX

Primary Residence

Purchase

XXXX

Investor Post-Close

XXXX

305082471

Closed

2026-04-06 04:39

2026-04-24 14:34

Acknowledged

2 - Non-Material

Credit

Missing Doc

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

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

Unable to Resolve-Unable to Resolve-Document Uploaded. Reviewed with underwriting and we are good to waive this condition. The DTI is very low, so even if we had $Xk/mth HOI payment the borrower's back-end DTI would be X.X%. TThe borrowers low DTI will support whatever the HOI Premium is without any issues. - Buyer-XX/XX/XXXX

Counter-We are missing insurance information to verify PITI on properties other than subject property. Those are the addresses listed in the prior comments. Insurance document is missing for the properties: XXXXX X XXXX XX XXXXXXXXX XX XXXXX, XXXXX X XXX XX XXXXXXXXX XX XXXXX. - Due Diligence Vendor-XX/XX/XXXX

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

Open-Insurance document is missing for the properties: XXXXX X XXXX XX XXXXXXXXX XX XXXXX, XXXXX X XXX XX XXXXXXXXX XX XXXXX. - Due Diligence Vendor-XX/XX/XXXX

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

XXXX

Second Home

Purchase

XXXX

Investor Post-Close

XXXX

305082471

Closed

2026-04-05 23:19

2026-04-24 06:16

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 3rd Party VOE Prior to Close Missing

Resolved-Received VOE. Resolved. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-see attached - Buyer-XX/XX/XXXX

Counter-Per XXXXXXXXXX: For self-employed borrowers, the existence of the business must be independently verified through a
disinterested third party within XX business days of closing. The loan file should reflect the documentation
secured from these sources. Sources may include: CPA, regulatory agency, or applicable licensing bureau, Secretary of State listing reflecting current year registration, Verification of a phone and address listing using the internet - Due Diligence Vendor-XX/XX/XXXX

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

Open-Borrower X Xrd Party VOE Prior to Close Missing Third party verification is not provided in the file. - Due Diligence Vendor-XX/XX/XXXX

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

Resolved-Received VOE. Resolved. - Due Diligence Vendor-XX/XX/XXXX

XXXX

Second Home

Purchase

XXXX

N/A

XXXX

305082471

Closed

2026-04-05 23:19

2026-04-24 06:15

Resolved

1 - Information

Credit

Missing Doc

Borrower 2 3rd Party VOE Prior to Close Missing

Resolved-Borrower X Xrd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals X) - Due Diligence Vendor-XX/XX/XXXX

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

Counter-Per XXXXXXXXXX: For self-employed borrowers, the existence of the business must be independently verified through a
disinterested third party within XX business days of closing. The loan file should reflect the documentation
secured from these sources. Sources may include: CPA, regulatory agency, or applicable licensing bureau, Secretary of State listing reflecting current year registration, Verification of a phone and address listing using the internet - Due Diligence Vendor-XX/XX/XXXX

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

Open-Borrower X Xrd Party VOE Prior to Close Missing Third party verification is not provided in the file. - Due Diligence Vendor-XX/XX/XXXX

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

Resolved-Borrower X Xrd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals X) - Due Diligence Vendor-XX/XX/XXXX

XXXX

Second Home

Purchase

XXXX

N/A

XXXX

305082471

Closed

2026-04-06 04:29

2026-04-13 05:46

Resolved

1 - Information

Credit

Missing Doc

Missing Business Narrative

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

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

Open-Business Narrative is missing in the file. - Due Diligence Vendor-XX/XX/XXXX

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

XXXX

Second Home

Purchase

XXXX

N/A

XXXX

305071519

Closed

2026-04-07 04:26

2026-04-20 12:03

Waived

2 - Non-Material

Credit

Eligibility

Audited Loan Amount is less than Guideline Minimum Loan Amount

Waived-Exception approved - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Please find the loan amount exception from XXXXXXXXX attached. Thank you - Due Diligence Vendor-XX/XX/XXXX

Open-Audited Loan Amount of $XXXXX is less than the XXXXXXXXX Minimum Loan Amount of $XXXXXX - Due Diligence Vendor-XX/XX/XXXX

Waived-Exception approved - Due Diligence Vendor-XX/XX/XXXX

XXXX

Investment

Refinance

Cash Out - Other

XXXX

Investor Post-Close

XXXX

305082566

Closed

2026-04-07 06:03

2026-05-11 05:27

Resolved

1 - Information

Credit

Eligibility

Audited LTV Exceeds Guideline LTV

Resolved-As per the XX'x, Since we are > XX months BK seasoning, this meets standard XXXXXXXXXX, Audited LTV of XX% is less than or equal to XXXXXXXXX LTV of XX%, Verified - Resolved  - Due Diligence Vendor-XX/XX/XXXX

Resolved-Audited LTV of XX% is less than or equal to XXXXXXXXX LTV of XX% - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Please rescind finding - for our Non-Prime program, we would follow the XXXXXXXXX uploaded.  Since we are > XX months BK seasoning, this meets standard XXXXXXXXXX.,
- Seller-XX/XX/XXXX

Open-Chapter XX bankruptcy file date X/XX- Discharged X/XX, XX months since BK, max LTV due to recent event is XX%. XX must review and approve exception.  - Due Diligence Vendor-XX/XX/XXXX

Open-Chapter XX bankruptcy file date X/XX- Discharged X/XX, XX months since BK, max LTV due to recent event is XX%.  - Due Diligence Vendor-XX/XX/XXXX

Rescinded-Audited LTV Exceeds XXXXXXXXX LTV - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Please rescind finding - for our Non-Prime program, we would follow the XXXXXXXXX uploaded. Since we are > XX months BK seasoning, this meets standard XXXXXXXXXX.,
- Seller-XX/XX/XXXX

XXXX

Primary Residence

Purchase

XXXX

N/A

XXXX

305082566

Closed

2026-04-13 07:34

2026-05-06 06:01

Resolved

1 - Information

Credit

Missing Doc

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

Resolved-Taxes for XXXX are $XXX / XX (page XX) = XX.XX (rounded up) + XXXXX is $XXX/Monthly (proof attached Page X) These two $XX.XX + $XXX = $XXX.XX which was used by the UW on the final XXXX. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Please see the XXX document and the document showing proof of the monthly amount $XXX.XX.
Taxes for XXXX are $XXX / XX (page XX) = XX.XX (rounded up) + XXXXX is $XXX/Monthly (proof attached Page X)
These two $XX.XX + $XXX = $XXX.XX which was used by the UW on the final XXXX. - Buyer-XX/XX/XXXX

Open-Total tax for departing residence provided states $XXX/XX= $XX.XX monthly for XXXX. Non escrowed/ XXXXX on Final XXXX $XXX.XX. Missing proof of full $XXX.XX as positive rental income was used for the departing residence. - Due Diligence Vendor-XX/XX/XXXX

XXXX

Primary Residence

Purchase

XXXX

N/A

XXXX

305082566

Closed

2026-04-07 05:58

2026-05-06 06:07

Resolved

1 - Information

Compliance

HigherPriced:APR

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

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

Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal XXXX threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable XXXX for this loan is (X.XX%).(XX XXX XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. (XX XXX § XXXX.XX(a)(X)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX XXX §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXXX Header Disclosure Page was entered correctly All disclosures, XXX’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page XXX and the Final Closing disclosure on page XXX reflects escrows. Rate lock date was entered correctly – see page XXXX. An interior and exterior appraisal was completed for this property – see page XXX-XXX, the appraisal disclosure was provided to the borrower(s)- see page XXXX- XXXX and copy of the appraisal was given to the borrower – see page XXX The loan meets XXXX XXXXXXXXXX. - Due Diligence Vendor-XX/XX/XXXX

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

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

XXXX

Primary Residence

Purchase

XXXX

N/A

XXXX

305082569

Closed

2026-04-07 04:49

2026-04-30 05:48

Resolved

1 - Information

Compliance

Closing

The Note is Not Executed

Resolved-The Note is Executed - Due Diligence Vendor-XX/XX/XXXX

Resolved-Fully executed Note provided, finding resolved. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Please see signed Note and rescind finding, thank you. - Buyer-XX/XX/XXXX

Open-The Note is Not Executed The Note document was not executed by borrower. - Due Diligence Vendor-XX/XX/XXXX

Resolved-The Note is Executed - Due Diligence Vendor-XX/XX/XXXX

Resolved-Fully executed Note provided, finding resolved. - Due Diligence Vendor-XX/XX/XXXX

XXXX

Investment

Refinance

Cash Out - Other

XXXX

N/A

XXXX

305082569

Closed

2026-04-06 23:02

2026-04-30 05:46

Resolved

1 - Information

Compliance

Closing

The Deed of Trust is Not Executed

Resolved-Fully executed XXX provided, finding resolved. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Please see signed fully executed Deed of Trust and rescind finding, thank you. - Buyer-XX/XX/XXXX

Open-The Deed of Trust is Not Executed Deed of trust was not executed by borrower. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Fully executed XXX provided, finding resolved. - Due Diligence Vendor-XX/XX/XXXX

XXXX

Investment

Refinance

Cash Out - Other

XXXX

N/A

XXXX

305082569

Closed

2026-04-07 01:48

2026-04-30 02:34

Resolved

1 - Information

Credit

Missing Doc

Business Purpose Affidavit is Missing

Resolved-Business Purpose Affidavit uploaded, Verified & entered in system - Resolved
- Due Diligence Vendor-XX/XX/XXXX

Resolved-The Business Purpose Affidavit is present or Not Applicable (XXXX Page Loan Type is XXXX.) - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Please see signed Business Purpose Affidavit and rescind finding, thank you. - Seller-XX/XX/XXXX

Open-The XXXX Page Loan Type is 'XXXX' but the Business Purpose Affidavit Disclosure Indicator on the XXXX is 'Missing', and on the Business Purpose VX Page is 'Missing'. Business Purpose Affidavit is required for a XXXX loan. Business Purpose Affidavit borrower sign is missing - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Please see signed Business Purpose Affidavit and rescind finding, thank you. - Seller-XX/XX/XXXX

XXXX

Investment

Refinance

Cash Out - Other

XXXX

N/A

XXXX

305071495

Closed

2026-04-09 14:31

2026-05-05 08:03

Resolved

1 - Information

Credit

Eligibility

Loan does not conform to program guidelines

Resolved-Received and reviewed the document uploaded on X/X/XXXX a copy of the tenant ledger statement prepared by XXXXXXXXX for use of higher rent amount. - Due Diligence Vendor-XX/XX/XXXX

Open-Loan does not conform to program XXXXXXXXXX Please provide an exception and/or X months consecutive XXXX statement evidencing the use for the higher rent in the amount of $X,XXX.XX.
Received and reviewed the document uploaded on X/X/XXXX a copy of the tenant ledger statement prepared by XXXXXXXXX for use of higher rent amount. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Please see the attached Tenant Statement and the note from UW. "Rent verified through ledger. Using rental amount instead of market rent. Please clear. - Buyer-XX/XX/XXXX

Resolved-Received and reviewed the document uploaded on X/X/XXXX a copy of the tenant ledger statement prepared by XXXXXXXXX for use of higher rent amount. - Due Diligence Vendor-XX/XX/XXXX

XXXX

Investment

Refinance

Cash Out - Other

XXXX

N/A

XXXX

305082500

Closed

2026-04-20 10:16

2026-04-21 15:02

Resolved

1 - Information

Compliance

HigherPriced:APR

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

Resolved-XXXX Header Disclosure Page was entered correctly All disclosures, XXX’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on the Final Closing disclosure on page XXX reflects escrows. Rate lock date was entered correctly – see page XXX. An interior and exterior appraisal was completed for this property – see page XX, the appraisal disclosure was provided to the borrower (XXX) and copy of the appraisal was given to the borrower - findings. Loan meets XXXX requirements. Finding resolved. - Due Diligence Vendor-XX/XX/XXXX

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

Open-The loan's (X.XXX%) APR equals or exceeds the Federal XXXX threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable XXXX for this loan is (X.XX%).(XX XXX XXXX.XX(a)(X)(i)) XXXX Header Disclosure Page was entered correctly All disclosures, XXX’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on the Final Closing disclosure on page XXX reflects escrows. Rate lock date was entered correctly – see page XXX. An interior and exterior appraisal was completed for this property – see page XX, the appraisal disclosure was provided to the borrower (XXX) and copy of the appraisal was given to the borrower (missing). Missing documentation of the borrower receiving the appraisal in a timely manner. - Due Diligence Vendor-XX/XX/XXXX

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

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

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

XXXX

Primary Residence

Purchase

XXXX

N/A

XXXX

305082500

Closed

2026-04-07 02:01

2026-04-20 10:31

Resolved

1 - Information

Compliance

Missing Doc

TRID: Missing Initial Closing Disclosure

Resolved-Received revised loan estimate, coc and initial closing disclosure. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. X.XX XXX and XX show desk review fee - Buyer-XX/XX/XXXX

Counter-Missing change of circumstance for the added appraisal desk review fee on the initial closing disclosure. - Due Diligence Vendor-XX/XX/XXXX

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

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

Resolved-Received revised loan estimate, coc and initial closing disclosure. - Due Diligence Vendor-XX/XX/XXXX

XXXX

Primary Residence

Purchase

XXXX

N/A

XXXX

305082500

Closed

2026-04-07 04:07

2026-04-16 08:35

Resolved

1 - Information

Credit

Eligibility

Ineligible Housing History per program guidelines

Resolved-No housing history, loan meets XXXXXXXXX requirements. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-loan meets XXXXXX for no housing history or less than XX months verified - Buyer-XX/XX/XXXX

Open-Housing History Does Not Meet XXXXXXXXX Requirements As per XXXX, Borrower is living from XX years in the primary house, but unable to verify the housing history.
Fraud report reflects different name under owner name. - Due Diligence Vendor-XX/XX/XXXX

Resolved-No housing history, loan meets XXXXXXXXX requirements. - Due Diligence Vendor-XX/XX/XXXX

XXXX

Primary Residence

Purchase

XXXX

N/A

XXXX

305082500

Closed

2026-04-07 02:04

2026-04-16 08:11

Resolved

1 - Information

Compliance

Missing Doc

Homeownership Counseling Disclosure Is Missing

Resolved-Received homeownership disclosure. - Due Diligence Vendor-XX/XX/XXXX _xXXXXX_
Ready for Review-Document Uploaded. Uploaded - Seller-XX/XX/XXXX _xXXXXX_
Open-Homeownership Counseling Disclosure is missing in the file. - Due Diligence Vendor-XX/XX/XXXX

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

Resolved-Received homeownership disclosure. - Due Diligence Vendor-XX/XX/XXXX_xXXXXX_

XXXX

Primary Residence

Purchase

XXXX

N/A

XXXX

305082500

Closed

2026-04-07 02:06

2026-04-16 08:11

Resolved

1 - Information

Compliance

Disclosure

Missing Intent to Proceed

Resolved-Received intent to proceed. - Due Diligence Vendor-XX/XX/XXXX _xXXXXX_
Ready for Review-Document Uploaded. Uploaded - Buyer-XX/XX/XXXX _xXXXXX_
Open-Missing Signed Intent to Proceed Disclosure. Required on Primary Residence and Second Homes. Intent to Proceed is missing in the file. - Due Diligence Vendor-XX/XX/XXXX

_xXXXXX_

Resolved-Received intent to proceed. - Due Diligence Vendor-XX/XX/XXXX_xXXXXX_

XXXX

Primary Residence

Purchase

XXXX

N/A

XXXX

305082500

Closed

2026-04-07 02:08

2026-04-16 08:11

Resolved

1 - Information

Credit

Missing Doc

Required Affiliated RESPA Business Disclosure is Missing

Resolved-Received affiliated business disclosure. - Due Diligence Vendor-XX/XX/XXXX _xXXXXX_
Ready for Review-Document Uploaded. Uploaded - Buyer-XX/XX/XXXX _xXXXXX_
Open- Affiliated RESPA Business Disclosure is missing in the file. - Due Diligence Vendor-XX/XX/XXXX

_xXXXXX_

Resolved-Received affiliated business disclosure. - Due Diligence Vendor-XX/XX/XXXX_xXXXXX_

XXXX

Primary Residence

Purchase

XXXX

N/A

XXXX

305082500

Closed

2026-04-07 02:05

2026-04-16 08:10

Resolved

1 - Information

Compliance

Missing Doc

Consumer Caution and Home Owner Counseling Notice is Missing

Resolved-Consumer Caution and Home Owner Counseling Notice is Present or Not Applicable - Due Diligence Vendor-XX/XX/XXXX _xXXXXX_
Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-XX/XX/XXXX _xXXXXX_
Resolved-Consumer Caution and Home Owner Counseling Notice is Present or Not Applicable - Due Diligence Vendor-XX/XX/XXXX _xXXXXX_
Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-XX/XX/XXXX _xXXXXX_
Ready for Review-Document Uploaded. Uploaded - Seller-XX/XX/XXXX _xXXXXX_
Open-Home tool kit missing from the file. - Due Diligence Vendor-XX/XX/XXXX

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

XXXX

Primary Residence

Purchase

XXXX

N/A

XXXX

305082500

Closed

2026-04-07 04:04

2026-04-15 02:51

Resolved

1 - Information

Compliance

Missing Doc

The Final 1003 is Incomplete

Resolved-Requested updated final XXXX with updated income provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX _xXXXXX_
Resolved-The Final XXXX is Present - Due Diligence Vendor-XX/XX/XXXX _xXXXXX_
Ready for Review-Document Uploaded. Uploaded - Buyer-XX/XX/XXXX _xXXXXX_
Open-The Final XXXX is Incomplete XXXX reflects income as $XX,XXX.XX but as per recent bank statement the income is $XX,XXX.XX.
- Due Diligence Vendor-XX/XX/XXXX

_xXXXXX_

XXXX

Primary Residence

Purchase

XXXX

N/A

XXXX

305082432

Closed

2026-04-14 15:29

2026-04-20 08:06

Resolved

1 - Information

Compliance

XXXX

Tolerance: Disclosure

Resolved- - Due Diligence Vendor-XX/XX/XXXX _xXXXXX_
Resolved- - Due Diligence Vendor-XX/XX/XXXX _xXXXXX_
Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXX_
Ready for Review-Document Uploaded. Uploaded - Buyer-XX/XX/XXXX _xXXXXX_
Open-There are ($XX.XX) of fees paid to the lender disclosed under Loan Estimate Section C "Services You Can Shop For" or Closing Disclosure Section B "Services Borrower Did Shop For". Under Regulation Z, charges included under Section C on the Loan Estimate and Closing Disclosure are charges the consumer will pay for settlement services for which the consumer can shop and did shop that are provided by persons other than the creditor or mortgage broker. (XX CFR XXXX.XX(f)(X); XX CFR XXXX.XX(f)(X)) Provide initial XX. Subject to additional conditions upon review. - Due Diligence Vendor-XX/XX/XXXX _xXXXXX_
Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXX_
Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXX_
Open- - Due Diligence Vendor-XX/XX/XXXX

_xXXXXX_

Resolved- - Due Diligence Vendor-XX/XX/XXXX_xXXXXX_

XXXX

Primary Residence

Purchase

XXXX

N/A

XXXX

305082432

Closed

2026-04-14 15:29

2026-04-20 07:55

Resolved

1 - Information

Compliance

TRID

Federal - Closing Disclosure and Consummation Date

Resolved-Lender provided XXX e-receipt. Finding resolved.  - Due Diligence Vendor-XX/XX/XXXX _xXXXXX_
Resolved- - Due Diligence Vendor-XX/XX/XXXX _xXXXXX_
Ready for Review-Document Uploaded. Uploaded  - Seller-XX/XX/XXXX _xXXXXX_
Open-The Initial Closing Disclosure Received Date of (XXXX-XX-XX) is not three business days before the consummation date of (XXXX-XX-XX). Three business days before the consummation date is (XXXXXXXX). Under Regulation Z, a consumer must receive the Initial Closing Disclosure reflecting the actual terms of the transaction no later than three business days before consummation. (XX CFR XXXX.XX(f)(X)(ii)(A)); XXXX.XX(f)(X)(iii)) Provide initial XX. Subject to additional conditions upon review.  - Due Diligence Vendor-XX/XX/XXXX _xXXXXX_
Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXX_
Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXX_
Open- - Due Diligence Vendor-XX/XX/XXXX

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

Resolved-Lender provided XXX e-receipt. Finding resolved. - Due Diligence Vendor-XX/XX/XXXX_xXXXXX_

XXXX

Primary Residence

Purchase

XXXX

N/A

XXXX

305082432

Closed

2026-04-14 17:20

2026-04-20 07:53

Resolved

1 - Information

Compliance

Missing Doc

TRID: Missing Initial Closing Disclosure

Resolved-Lender provided executed XXX. Finding resolved.  - Due Diligence Vendor-XX/XX/XXXX _xXXXXX_
Ready for Review-Document Uploaded. Uploaded  - Seller-XX/XX/XXXX _xXXXXX_
Open-XXXX: Missing Closing Disclosure Provide initial XX. Subject to additional conditions upon review.  - Due Diligence Vendor-XX/XX/XXXX

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

Resolved-Lender provided executed XXX. Finding resolved. - Due Diligence Vendor-XX/XX/XXXX_xXXXXX_

XXXX

Primary Residence

Purchase

XXXX

N/A

XXXX

305082624

Closed

2026-04-07 22:52

2026-04-30 22:38

Resolved

1 - Information

Credit

Missing Doc

Evidence of Property Tax Missing

Resolved-Requested tax certificate provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX _xXXXXX_
Resolved-Evidence of Property Tax is present - Due Diligence Vendor-XX/XX/XXXX _xXXXXX_
Ready for Review-Document Uploaded. Please see the attached property tax certificate. - Buyer-XX/XX/XXXX _xXXXXX_
Open-Missing Evidence of Property Tax Tax document missing in file , verified in file uploads there is no documents, required tax document to verify XXXX value.
- Due Diligence Vendor-XX/XX/XXXX

_xXXXXX_

XXXX

Investment

Refinance

Cash Out - Other

XXXX

N/A

XXXX

305082593

Closed

2026-04-08 15:02

2026-05-14 08:35

Resolved

1 - Information

Credit

Title

Title issue

Resolved-Document uploaded the recorded quit claim deed was provided evidencing Final title policy will show vested in XXX XXXXX XXXX, XXX, a XXXXXXX limited liability company - Due Diligence Vendor-XX/XX/XXXX _xXXXXX_
Ready for Review-Document Uploaded. Please see the attached recorded warranty deed done at closing that clear the deed requirement on the title commitment. - Buyer-XX/XX/XXXX _xXXXXX_
Open-Please provide the satisfactory of lien clear final title policy. - Due Diligence Vendor-XX/XX/XXXX

_xXXXXX_

XXXX

Investment

Refinance

Cash Out - Other

XXXX

N/A

XXXX

305063425

Closed

2026-04-10 07:06

2026-04-20 04:27

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 Citizenship Identification Documentation Missing

Resolved-BX Permanent Non-US Citizen Identification Document uploaded, Verified & entered in system - Resolved
- Due Diligence Vendor-XX/XX/XXXX

Resolved-Validation Resolved or Not Applicable - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-id'X - Due Diligence Vendor-XX/XX/XXXX

Open-BX Permanent Non-US Citizen Identification Document is missing - Due Diligence Vendor-XX/XX/XXXX

XXXX

Primary Residence

Purchase

XXXX

N/A

XXXX

305071288

Closed

2026-04-14 23:50

2026-05-15 07:36

Cured

2 - Non-Material

Compliance

TRID Tolerance

Insufficient Tolerance Cure (50001028)

Cured-PCCD and check added - Due Diligence Vendor-XX/XX/XXXX

Resolved-PCCD and check added - Due Diligence Vendor-XX/XX/XXXX

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

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

Counter-The lender credit for excess charges of ($XXX.XX) was applied to the total fee violation of ($XXX.XX), which does not fully offset the total fee variance. The remaining difference of $XXX.XX may be cured if the client refunds the fee violation and provides XXXXXX a copy of the refund check, the PCCD, LOE, and proof of delivery. - Due Diligence Vendor-XX/XX/XXXX

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

Escalated- - Due Diligence Vendor-XX/XX/XXXX

Open-A Lender Credit for Excess Charges of ($XXX.XX), Principal Reduction for Excess Charges of ($X.XX), and general or specific lender credit increases of ($XXX.XX) were applied to the total fee variance of ($XXX.XX) between the baseline disclosure and the last Closing Disclosure. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. Fees increased at Initial CD without proper COC. - Due Diligence Vendor-XX/XX/XXXX

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

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

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

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

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

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

Cured-PCCD and check added - Due Diligence Vendor-XX/XX/XXXX

Resolved-PCCD and check added - Due Diligence Vendor-XX/XX/XXXX

XXXX

Primary Residence

Purchase

XXXX

N/A

XXXX

305071288

Closed

2026-04-09 04:50

2026-05-06 18:20

Waived

2 - Non-Material

Compliance

HigherPriced:APR

North Carolina - Rate Spread Home Loan (First Lien 10/13)(Conforming)

Waived-The loan meets HPML XXXXXXXXXX. Finding Waived - Due Diligence Vendor-XX/XX/XXXX

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

Waived-The loan meets HPML XXXXXXXXXX. Finding Waived - Due Diligence Vendor-XX/XX/XXXX

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

Waived-The loan meets HPML XXXXXXXXXX. Finding Waived - Due Diligence Vendor-XX/XX/XXXX

Waived-The loan's (X.XXX%) APR equals or exceeds the Xxxxx Xxxxxxxx Rate Spread Home Loan first lien conforming loan threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this closed end loan secured by a X-X unit dwelling is (X.XX%).(X.X. Xxx. Xxxx. XX-X.XF(aX); XX USC XXXXc(c)(X)(B)(ii); XX CFR XXXX.XX(a)(X)(i)) Per External Counsel Appropriate to Waive as a B Grade. Finding waived. - Due Diligence Vendor-XX/XX/XXXX

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

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

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

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

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

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

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

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

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

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

Waived-The loan meets HPML XXXXXXXXXX. Finding Waived - Due Diligence Vendor-XX/XX/XXXX

Waived-The loan meets HPML XXXXXXXXXX. Finding Waived - Due Diligence Vendor-XX/XX/XXXX

Waived-The loan meets HPML XXXXXXXXXX. Finding Waived - Due Diligence Vendor-XX/XX/XXXX

Waived-The loan's (X.XXX%) APR equals or exceeds the Xxxxx Xxxxxxxx Rate Spread Home Loan first lien conforming loan threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this closed end loan secured by a X-X unit dwelling is (X.XX%).(X.X. Xxx. Xxxx. XX-X.XF(aX); XX USC XXXXc(c)(X)(B)(ii); XX CFR XXXX.XX(a)(X)(i)) Per External Counsel Appropriate to Waive as a B Grade. Finding waived. - Due Diligence Vendor-XX/XX/XXXX

XXXX

Primary Residence

Purchase

XXXX

Investor Post-Close

XXXX

305071288

Closed

2026-04-15 14:37

2026-04-24 13:00

Resolved

1 - Information

Credit

Doc Issue

Occupancy Statement is Missing

Resolved-Lender provided fully executed occupancy affidavit. Finding resolved.  - Due Diligence Vendor-XX/XX/XXXX

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

Open-Affidavit of occupancy is missing from file.  - Due Diligence Vendor-XX/XX/XXXX

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

Resolved-Lender provided fully executed occupancy affidavit. Finding resolved. - Due Diligence Vendor-XX/XX/XXXX

XXXX

Primary Residence

Purchase

XXXX

N/A

XXXX

305071288

Closed

2026-04-10 00:41

2026-04-24 03:00

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 Gap Credit Report is Missing

Resolved-Requested gap credit report provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Borrower X Gap Credit Report is not missing. - Due Diligence Vendor-XX/XX/XXXX

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

Open-Borrower X Gap Credit Report is Missing Gap credit report is missing from loan file, A gap credit report from at least one of three major national credit repositories (Transunion, Equifax, or Experian) is required within XX business days of closing. - Due Diligence Vendor-XX/XX/XXXX

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

Resolved-Requested gap credit report provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Borrower X Gap Credit Report is not missing. - Due Diligence Vendor-XX/XX/XXXX

XXXX

Primary Residence

Purchase

XXXX

N/A

XXXX

305071288

Closed

2026-04-09 04:50

2026-05-06 18:20

Resolved

1 - Information

Compliance

HigherPriced:APR

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

Resolved-HPML XXXXXXXXXX. Finding resolved. - Due Diligence Vendor-XX/XX/XXXX

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

Resolved-The loan meets HPML XXXXXXXXXX. - Due Diligence Vendor-XX/XX/XXXX

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

Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. ( XX CFR § XXXX.XX(a)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXXX Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg. XXX and the Final Closing disclosure on Pg. XXX reflects escrows. Rate lock date was entered correctly – see Pg. XXX. An interior and exterior appraisal was completed for this property – see Pg. XX, the appraisal disclosure was provided to the borrower(s) and copy of the appraisal was given to the borrower – see Pg. XXX for the copy of the disclosure. The loan meets HPML XXXXXXXXXX. Finding resolved.
- Due Diligence Vendor-XX/XX/XXXX

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

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

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

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

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

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

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

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

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

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

Resolved-HPML XXXXXXXXXX. Finding resolved. - Due Diligence Vendor-XX/XX/XXXX

Resolved-The loan meets HPML XXXXXXXXXX. - Due Diligence Vendor-XX/XX/XXXX

Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. ( XX CFR § XXXX.XX(a)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXXX Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg. XXX and the Final Closing disclosure on Pg. XXX reflects escrows. Rate lock date was entered correctly – see Pg. XXX. An interior and exterior appraisal was completed for this property – see Pg. XX, the appraisal disclosure was provided to the borrower(s) and copy of the appraisal was given to the borrower – see Pg. XXX for the copy of the disclosure. The loan meets HPML XXXXXXXXXX. Finding resolved.
- Due Diligence Vendor-XX/XX/XXXX

XXXX

Primary Residence

Purchase

XXXX

N/A

XXXX

305082336

Closed

2026-04-09 00:55

2026-04-21 16:50

Waived

2 - Non-Material

Credit

Eligibility

Ineligible Housing History per program guidelines

Waived-Exception Approved - Due Diligence Vendor-XX/XX/XXXX

Unable to Resolve-Unable to Resolve-XX Approves Exception - Buyer-XX/XX/XXXX

Open-Housing History Does Not Meet XXXXXXXXX Requirements Exception made for borrower having no primary residence housing history. - Due Diligence Vendor-XX/XX/XXXX

Waived-Exception Approved - Due Diligence Vendor-XX/XX/XXXX

XXXX

Investment

Refinance

Cash Out - Other

XXXX

Investor Post-Close

XXXX

305082296

Closed

2026-04-14 06:09

2026-05-04 04:27

Resolved

1 - Information

Property

Appraisal

Appraiser Name on do not use list

Resolved-Resolved, Rebuttal: Appraisal by XXXXXXX XXXXXX was $XXXK and the one completed by XXXXXXXX came in at $XXXK - we have X appraisals, using the lower one for value even if appraiser is on the watch list - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Rebuttal: Appraisal by XXXXXXX XXXXXX was $XXXK and the one completed by XXXXXXXX came in at $XXXK - we have X appraisals, using the lower one for value even if appraiser is on the watch list. Please clear at your earliest convenience. - Buyer-XX/XX/XXXX

Open-Appraiser Name or License Number on do not use list XXXXXXXXX Appraiser Name or License Number on the do not use list XXXXXXXXX. - Due Diligence Vendor-XX/XX/XXXX

XXXX

Primary Residence

Purchase

XXXX

N/A

XXXX

305082481

Closed

2026-04-10 00:06

2026-04-28 05:00

Resolved

1 - Information

Credit

Missing Doc

Hazard Insurance Policy is Missing

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

Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-XX/XX/XXXX

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

Open-Missing Hazard Insurance Policy Hazard Insurance Policy is Missing from the documents. - Due Diligence Vendor-XX/XX/XXXX

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

Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-XX/XX/XXXX

XXXX

Investment

Refinance

Cash Out - Other

XXXX

N/A

XXXX

305071436

Closed

2026-04-13 03:09

2026-04-22 08:19

Resolved

1 - Information

Credit

Eligibility

Business Entity Formation Doc Missing

Resolved-Document uploaded and reviewed. Condition is resolved. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Please see the attached SOS and certificate of good standing. Both of which show the EIN number. - Buyer-XX/XX/XXXX

Open-Entity Formation Doc Indicator is Missing. EIN number is missing in the file
- Due Diligence Vendor-XX/XX/XXXX

Resolved-Document uploaded and reviewed. Condition is resolved. - Due Diligence Vendor-XX/XX/XXXX

XXXX

Investment

Refinance

Cash Out - Other

XXXX

N/A

XXXX

305071436

Closed

2026-04-13 03:45

2026-04-22 00:57

Resolved

1 - Information

Compliance

Missing Doc

The Final 1003 is Incomplete

Resolved-Updated Final XXXX with corrected citizenship uploaded, Verified & entered in system - Resolved
- Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Please see the attached updated URLA/ permanent resident. - Buyer-XX/XX/XXXX

Open-The Final XXXX is Incomplete Borrower X citizenship is updated as incorrectly - Due Diligence Vendor-XX/XX/XXXX

Resolved-Updated Final XXXX with corrected citizenship uploaded, Verified & entered in system - Resolved
- Due Diligence Vendor-XX/XX/XXXX

XXXX

Investment

Refinance

Cash Out - Other

XXXX

N/A

XXXX

305082489

Closed

2026-04-09 23:32

2026-04-17 04:17

Resolved

1 - Information

Credit

Missing Doc

Business Purpose Affidavit is Missing

Resolved-Requested Final dated Business Purpose Affidavit Disclosure provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX

Resolved-The Business Purpose Affidavit is present or Not Applicable (XXXX Page Loan Type is XXXX.) - Due Diligence Vendor-XX/XX/XXXX

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

Open-The XXXX Page Loan Type is 'XXXX' but the Business Purpose Affidavit Disclosure Indicator on the XXXX is 'Missing', and on the Business Purpose VX Page is 'Missing'. Business Purpose Affidavit is required for a XXXX loan. Final Business Purpose Affidavit is missing in the loan file. - Due Diligence Vendor-XX/XX/XXXX

XXXX

Investment

Refinance

Cash Out - Other

XXXX

N/A

XXXX

305082489

Closed

2026-04-10 01:03

2026-04-15 23:00

Waived

2 - Non-Material

Credit

Eligibility

Audited Loan Amount is less than Guideline Minimum Loan Amount

Waived-Formal exception in loan file. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-XX% LTV is below the maximum XX% LTV by X%.
XXX Representative credit score exceeds the minimum required of XXX by XX points
$XX,XXX reserves exceed the minimum required of $X,XXX exceeds the minimum by XX months over the required minimum.
XXXX ratio of X.XXX exceeds the minimum requirement of X by X.XXX points. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review- - Due Diligence Vendor-XX/XX/XXXX

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

Open-Audited Loan Amount of $XXXXX is less than the Guideline Minimum Loan Amount of $XXXXXX As per page XXX UW approved exception for Loan Amount under $XXXk.

Exception for loan amount <$XXXk is approved. Loan amount is $XX,XXX at XX% LTV.
- Due Diligence Vendor-XX/XX/XXXX

Waived-Formal exception in loan file. - Due Diligence Vendor-XX/XX/XXXX

XXXX

Investment

Refinance

Cash Out - Other

XXXX

Originator Pre-Close

Yes

XXXX

305082718

Closed

2026-04-15 01:50

2026-05-11 07:03

Resolved

1 - Information

Property

Appraisal

Review Product 1 Valuation is Expired

Resolved-XXXXX dated X/X/XXXX provided and updated in XX. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-XXXXD - Due Diligence Vendor-XX/XX/XXXX

Open-Review Product X Valuation is Expired (Review Product X Valuation Date is greater than XXX days from the Note Date of XX-XX-XXXX. Days Difference is XXX) Guidelines indicate that a XXXXD is required to verify that property value has not declined for appraisals greater than X months old. There was none present in the file. - Due Diligence Vendor-XX/XX/XXXX

Resolved-XXXXX dated X/X/XXXX provided and updated in XX. - Due Diligence Vendor-XX/XX/XXXX

XXXX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

XXXX

N/A

XXXX

305082718

Closed

2026-04-15 01:50

2026-05-11 02:40

Resolved

1 - Information

Property

Missing Doc

1004D Completion Report is Missing

Resolved-Requested XXXXD Completion Report provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX

Resolved-XXXXD Completion Report is present - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-XXXXD - Due Diligence Vendor-XX/XX/XXXX

Open-XXXXD Completion Report is Missing Guidelines indicate that a XXXXD is required to verify that property value has not declined for appraisals greater than X months old. There was none present in the file. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Requested XXXXD Completion Report provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX

Resolved-XXXXD Completion Report is present - Due Diligence Vendor-XX/XX/XXXX

XXXX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

XXXX

N/A

XXXX

305082718

Closed

2026-04-15 06:49

2026-04-27 04:27

Resolved

1 - Information

Credit

Missing Doc

Missing Business Narrative

Resolved-Business Narrative For uploaded, Verified - Resolved - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Business Narrative - Due Diligence Vendor-XX/XX/XXXX

Open-Missing Self Employed Business Narrative. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Business Narrative For uploaded, Verified - Resolved - Due Diligence Vendor-XX/XX/XXXX

XXXX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

XXXX

N/A

XXXX

305082718

Closed

2026-04-15 06:50

2026-04-27 04:26

Resolved

1 - Information

Credit

Missing Doc

Missing Lender Income Calculation Worksheet

Resolved-Lender Income Calculation Worksheet uploaded, Verified & entered in system - Resolved
- Due Diligence Vendor-XX/XX/XXXX

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

Ready for Review-Income Calc WS

- Due Diligence Vendor-XX/XX/XXXX

Open-XXXX Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. XXXX Statement Summary Lender Worksheet / Income Calculator is Missing for borrower. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Lender Income Calculation Worksheet uploaded, Verified & entered in system - Resolved
- Due Diligence Vendor-XX/XX/XXXX

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

XXXX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

XXXX

N/A

XXXX

305082718

Closed

2026-04-15 05:40

2026-04-21 12:33

Resolved

1 - Information

Compliance

HigherPriced:APR

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

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

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

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

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

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

XXXX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

XXXX

N/A

XXXX

305082718

Closed

2026-04-15 05:40

2026-04-21 12:33

Resolved

1 - Information

Compliance

HigherPriced:APR

California - Higher Priced Mortgage Loan (First Lien 06/2013)(Conforming)

Resolved-This is a XXXXXXXXXX Higher-Priced Mortgage Loan (XXXX). The loan's APR of (X.XXX%) equals or exceeds the XXXXXXXXXX XXXX threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (X.XX%).(Cal. Fin. Code XXXX(a); XX CFR XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. ( XX CFR § XXXX.XX(a)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s XXX and the Final Closing disclosure on Pg#’s XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#’s XXX. An interior and exterior appraisal was completed for this property – see pg XX, the appraisal disclosure was provided to the borrower(s)- see Pg#’s XX,XXX and confirmation the appraisal was delivered to the borrower – see Pg#’s XX,XXX. The loan meets XXXX guidelines, resolved. - Due Diligence Vendor-XX/XX/XXXX

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

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

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

XXXX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

XXXX

N/A

XXXX

305082307

Closed

2026-04-15 15:23

2026-05-11 06:38

Resolved

1 - Information

Credit

Missing Doc

1008 Document is Missing

Resolved-Lender provided updated XXXX - finding resolved. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Lender provided updated XXXX - finding resolved. - Due Diligence Vendor-XX/XX/XXXX

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

Counter-Updated XXXX provided with qualifying XXXX however, primary housing expenses/Income/DTI don't match XXXX in loan file. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Please review upload - Seller-XX/XX/XXXX

Open-The XXXX document is missing from the loan file. Qualifying XXXX missing from Final XXXX on page #XXX - Due Diligence Vendor-XX/XX/XXXX

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

Ready for Review-Document Uploaded. Please review upload - Seller-XX/XX/XXXX

Resolved-Lender provided updated XXXX - finding resolved. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Lender provided updated XXXX - finding resolved. - Due Diligence Vendor-XX/XX/XXXX

XXXX

Investment

Purchase

XXXX

N/A

XXXX

305082307

Closed

2026-04-12 23:34

2026-05-05 04:47

Resolved

1 - Information

Credit

Missing Doc

Flood Insurance Policy Missing

Resolved-Flood Policy invoice with full premium provided. Resolved - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX

Ready for Review-Please see invoice reflecting a processing fee of $XX.XX - Buyer-XX/XX/XXXX

Open-Missing Flood Insurance Policy Flood Insurance Policy premium as per document is $XXXX.XX. As per XXX, XXXX and Final XX Flood Insurance premium is $X,XXX.X. Also Subject Property is in Flood Zone AE but Notice of Special Flood Hazard Disclosure is not provided. - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX

Resolved-Flood Policy invoice with full premium provided. Resolved - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX

XXXX

Investment

Purchase

XXXX

N/A

XXXX

305082307

Closed

2026-04-15 15:20

2026-04-23 07:24

Resolved

1 - Information

Compliance

Missing Doc

The Initial 1003 is Missing

Resolved-Lender uploaded initial XXXX - finding resolved. - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX

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

Open-The Initial XXXX is Missing - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX

Resolved-Lender uploaded initial XXXX - finding resolved. - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX

XXXX

Investment

Purchase

XXXX

N/A

XXXX

305082307

Closed

2026-04-13 22:07

2026-04-23 03:59

Resolved

1 - Information

Credit

Missing Doc

Missing Lender Income Calculation Worksheet

Resolved-Income worksheet provided. Resolved - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX

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

Open-Bank Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. Lender Income Calculation Worksheet missing in file - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX

Resolved-Income worksheet provided. Resolved - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX

XXXX

Investment

Purchase

XXXX

N/A

XXXX

305082307

Closed

2026-04-13 22:10

2026-04-23 03:57

Resolved

1 - Information

Credit

Missing Doc

Missing Business Narrative

Resolved-Self employed business narrative provided. Resolved
- XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX

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

Open-Business narrative missing in file. - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX

Resolved-Self employed business narrative provided. Resolved
- XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX

XXXX

Investment

Purchase

XXXX

N/A

XXXX

305082559

Closed

2026-04-13 00:52

2026-05-06 11:19

Waived

2 - Non-Material

Credit

Eligibility

Audited Loan Amount is less than Guideline Minimum Loan Amount

Waived-Lender provided approved exception to allow Audited Loan Amount of $XX,XXX is less than the XXXXXXXXX Minimum Loan Amount of $XXX,XXX. Finding waived. - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX

Unable to Resolve-Unable to Resolve-Document Uploaded. Please see XX exception and clear finding, thank you. - Buyer-XX/XX/XXXX

Open-Audited Loan Amount is less than XXXXXXXXX Minimum Loan Amount Audited Loan Amount of $XX,XXX is less than the XXXXXXXXX Minimum Loan Amount of $XXX,XXX. - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX

Waived-Lender provided approved exception to allow Audited Loan Amount of $XX,XXX is less than the XXXXXXXXX Minimum Loan Amount of $XXX,XXX. Finding waived. - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX

XXXX

Investment

Refinance

Cash Out - Other

XXXX

Originator Post-Close

Yes

XXXX

305082339

Closed

2026-04-14 03:38

2026-04-21 05:37

Resolved

1 - Information

Credit

Missing Doc

Missing Income - Bank Statements

Resolved-Received all bank statements necessary. Resolved. - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. NOT USING XXXX IN INCOME QUALIFICATION. FOR XXXX I HAVE UPLOADED. PLEASE NOTE THE FIRST STATEMENT IS JUNE-SEPTEMBER SO WE DO HAVE A FULL X MONTHS. - Buyer-XX/XX/XXXX

Open-Loan qualifying with Asset depletion-DTI income, as per guidelines need X months statements. Account XXXX & XXXX has X statements and X statements each. Provide additional statements for each account. - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX

Resolved-Received all bank statements necessary. Resolved. - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX

XXXX

Primary Residence

Purchase

XXXX

N/A

XXXX

305082547

Closed

2026-04-14 07:35

2026-04-24 03:46

Resolved

1 - Information

Credit

Missing Doc

Hazard Insurance Policy is Partial

Resolved-PCCD provided with correct XXX premium, Matches with the doc. Resolved - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. Please see the attached XXXX and PCCD. The XXX has been updated to $XXX.XX based on the annual premium listed on the Hazard Insurance. - Seller-XX/XX/XXXX

Open-Hazard Insurance Policy Partially Provided As per XXX the hazard amount $XXX is but hazard insurance amount shows amount as $XXX.XX need updated hazard insurance document to verify hazard insurance amount. - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. Please see the attached XXXX and PCCD. The XXX has been updated to $XXX.XX based on the annual premium listed on the Hazard Insurance. - Seller-XX/XX/XXXX

Resolved-PCCD provided with correct XXX premium, Matches with the doc. Resolved - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX

XXXX

Investment

Purchase

XXXX

N/A

XXXX

305082547

Closed

2026-04-14 06:58

2026-04-24 03:44

Resolved

1 - Information

Credit

Missing Doc

Evidence of Property Tax Missing

Resolved-Evidence of Property Tax provided. Resolved - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. Please see the PCCD, updated XXXX, and taxes explanation screen shots with the guidelines. For the tax amount, we would follow the guideline below. Purchase price is $XXXK x X.XX% = $XXXX/XX = $XXX.XX/mth.
The taxes have been updated based on this. - Buyer-XX/XX/XXXX

Open-Missing Evidence of Property Tax Property Tax as per XXX, XXXX & XX is $XXX.XX & Tax cert shows as property being new construction, Tax is $XXX.XX. Provide updated Tax Cert. - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX

Resolved-Evidence of Property Tax provided. Resolved - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX

XXXX

Investment

Purchase

XXXX

N/A

XXXX

305082547

Closed

2026-04-14 04:05

2026-04-22 08:16

Resolved

1 - Information

Compliance

Closing

The Deed of Trust is Not Executed

Resolved-Document uploaded and reviewed. Condition was resolved. - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. Please see the attached executed XXX - Seller-XX/XX/XXXX

Open-The Deed of Trust is Not Executed Borrower signed XXX document missing from file.
- XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. Please see the attached executed XXX - Seller-XX/XX/XXXX

Resolved-Document uploaded and reviewed. Condition was resolved. - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX

XXXX

Investment

Purchase

XXXX

N/A

XXXX

305082547

Closed

2026-04-14 03:59

2026-04-22 08:04

Resolved

1 - Information

Compliance

Closing

The Note is Not Executed

Resolved-Document uploaded and reviewed. Condition was resolved. - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX

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

Open-The Note is Not Executed  Borrower signed Note document missing from file.
  - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX

Resolved-Document uploaded and reviewed. Condition was resolved. - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX

XXXX

Investment

Purchase

XXXX

N/A

XXXX

305082547

Closed

2026-04-14 05:52

2026-04-22 00:54

Resolved

1 - Information

Compliance

Missing Doc

TRID: Missing Closing Disclosure

Resolved-Executed Final Closing Disclosure uploaded, Verified & entered in system - Resolved
- Due Diligence Vendor-XX/XX/XXXX _xXXXX_
Resolved-TRID: Final Closing Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX _xXXXX_
Ready for Review-Document Uploaded. Please see the attached executed closing disclosure. - Buyer-XX/XX/XXXX _xXXXX_
Open-TRID: Missing Final Closing Disclosure Final CD note executed by borrower. - Due Diligence Vendor-XX/XX/XXXX

_xXXXX_

XXXX

Investment

Purchase

XXXX

N/A

XXXX

305082547

Closed

2026-04-14 23:00

2026-04-22 00:49

Resolved

1 - Information

Credit

Doc Issue

Initial Escrow Acct Disclosure missing; loan has escrows

Resolved-Requested IEAD Indicator present on Final Cd provided and also in file, Upadted & Condition Resolved - Due Diligence Vendor-XX/XX/XXXX _xXXXX_
Ready for Review-Document Uploaded. Please see page X of the executed CD reflects this loan has escrows. Please use this as acknowledgement that we escrowed for tax and Insurance escrows. - Buyer-XX/XX/XXXX _xXXXX_
Open-As per final CD escrow amount is present but IEAD document is missing in loan file. Need IEAD document to verify escrow. - Due Diligence Vendor-XX/XX/XXXX

_xXXXX_

Resolved-Requested IEAD Indicator present on Final Cd provided and also in file, Upadted & Condition Resolved - Due Diligence Vendor-XX/XX/XXXX_xXXXX_

XXXX

Investment

Purchase

XXXX

N/A

XXXX

305082547

Closed

2026-04-14 03:53

2026-04-22 00:49

Resolved

1 - Information

Credit

Missing Doc

Business Purpose Affidavit is Missing

Resolved-Requested BPA Document provided, updated & Condition Resolved - Due Diligence Vendor-XX/XX/XXXX _xXXXX_
Resolved-The Business Purpose Affidavit is present or Not Applicable (XXXX Page Loan Type is XXXX.) - Due Diligence Vendor-XX/XX/XXXX _xXXXX_
Ready for Review-Document Uploaded. Please see the attached executed Business Purpose & Occupancy Affidavit. - Buyer-XX/XX/XXXX _xXXXX_
Open-The XXXX Page Loan Type is 'XXXX' but the Business Purpose Affidavit Disclosure Indicator on the XXXX is 'Missing', and on the Business Purpose VX Page is 'Missing'. Business Purpose Affidavit is required for a XXXX loan. Final Business Purpose Affidavit Disclosure is missing in loan file.
- Due Diligence Vendor-XX/XX/XXXX

_xXXXX_

XXXX

Investment

Purchase

XXXX

N/A

XXXX

305082445

Closed

2026-04-20 14:47

2026-04-28 15:50

Waived

2 - Non-Material

Credit

Income/Employment

Income 1 Income Trend is Decreasing

Waived-Client elects to waive with the following comp factors. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_
Waived-Exception Approved - Due Diligence Vendor-XX/XX/XXXX _xXXXX_
Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX _xXXXX_
Open-Exception approved for XX% decline in income vs XX%. Bwr has explained reason for
decline including additional advertising expenses that are netted from payments by XXXXXX which
are consistent with deposits in bank statement. Bwr’s eligible deposits seem to have bottomed in
XXXXXXXX XXXX and have been increasing since in both business accounts - Due Diligence Vendor-XX/XX/XXXX

_xXXXX_

Waived-Client elects to waive with the following comp factors. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_
Waived-Exception Approved - Due Diligence Vendor-XX/XX/XXXX_xXXXX_

XXXX

Primary Residence

Purchase

XXXX

Investor Post-Close

XXXX

305082445

Closed

2026-04-14 23:30

2026-04-28 15:43

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 3rd Party VOE Prior to Close Missing

Resolved-Borrower X Xrd Party VOE Prior to Close dated within XX business days of close was provided, resolved. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_
Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX _xXXXX_
Open-Borrower X Xrd Party VOE Prior to Close Missing Missing Xrd Party VOE Prior to Close - Due Diligence Vendor-XX/XX/XXXX

_xXXXX_

Resolved-Borrower X Xrd Party VOE Prior to Close dated within XX business days of close was provided, resolved. - Due Diligence Vendor-XX/XX/XXXX_xXXXX_

XXXX

Primary Residence

Purchase

XXXX

N/A

XXXX

305100533

Closed

2026-04-16 03:37

2026-04-25 16:47

Resolved

1 - Information

Compliance

TRID

Final CD: Closing Date is missing or inaccurate

Resolved-Received signed and dated Final CD. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_
Ready for Review-Document Uploaded. See attached - Seller-XX/XX/XXXX _xXXXX_
Open-Provide Final CD with Borrowers signature and date. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. See attached - Seller-XX/XX/XXXX_xXXXX_

Resolved-Received signed and dated Final CD. - Due Diligence Vendor-XX/XX/XXXX_xXXXX_

XXXX

Primary Residence

Purchase

XXXX

N/A

XXXX

305100533

Closed

2026-04-16 00:16

2026-04-25 16:47

Resolved

1 - Information

Compliance

TRID Tolerance

Insufficient Change of Circumstance (50001252)

Resolved-Received COC. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_
Resolved-Resolved - Due Diligence Vendor-XX/XX/XXXX _xXXXX_
Ready for Review-Document Uploaded. See attached. - Seller-XX/XX/XXXX _xXXXX_
Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_
Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Points - Loan Discount Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (XX XXX XXXXXX.XX(e)(X); XX XXX XXXXXX.XX(e)(X); XX XXX XXXXXX.XX(f)(X)(v)). Provide COC. Points - Loan Discount Fee increased from $X,XXX.XX to $X,XXX.XX. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_
Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_
Open- - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. See attached. - Seller-XX/XX/XXXX_xXXXX_

Resolved-Received COC. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_
Resolved-Resolved - Due Diligence Vendor-XX/XX/XXXX_xXXXX_

XXXX

Primary Residence

Purchase

XXXX

N/A

XXXX

305100533

Closed

2026-04-16 00:48

2026-04-25 16:42

Resolved

1 - Information

Credit

Missing Doc

Missing Business Narrative

Resolved-Received Business Narrative. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_
Ready for Review-Document Uploaded. See attached - Seller-XX/XX/XXXX _xXXXX_
Open-Provide Business Narrative. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. See attached - Seller-XX/XX/XXXX_xXXXX_

Resolved-Received Business Narrative. - Due Diligence Vendor-XX/XX/XXXX_xXXXX_

XXXX

Primary Residence

Purchase

XXXX

N/A

XXXX

305082347

Closed

2026-04-15 04:46

2026-04-30 00:03

Resolved

1 - Information

Compliance

TRID

Federal - Closing Disclosure and Consummation Date

Resolved-Initial Closing Disclosure uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-XX/XX/XXXX _xXXXX_
Resolved-Resolved - Due Diligence Vendor-XX/XX/XXXX _xXXXX_
Ready for Review-Document Uploaded. attached - Buyer-XX/XX/XXXX _xXXXX_
Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_
Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_
Open-The Initial Closing Disclosure Received Date of (XXXX-XX-XX) is not three business days before the consummation date of (XXXX-XX-XX). Three business days before the consummation date is (XXXXXXXX). Under Regulation Z, a consumer must receive the Initial Closing Disclosure reflecting the actual terms of the transaction no later than three business days before consummation. (XX XXX XXXXXX.XX(f)(X)(ii)(A)); XXXXXX.XX(f)(X)(iii)) Fired due to missing initial CD. To be cleared when CD is provided and XXXXXX report is run again. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_
Open- - Due Diligence Vendor-XX/XX/XXXX

_xXXXX_

Resolved-Initial Closing Disclosure uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-XX/XX/XXXX _xXXXX_
Resolved-Resolved - Due Diligence Vendor-XX/XX/XXXX_xXXXX_

XXXX

Second Home

Purchase

XXXX

N/A

XXXX

305082347

Closed

2026-04-15 05:54

2026-04-30 00:03

Resolved

1 - Information

Compliance

Missing Doc

TRID: Missing Initial Closing Disclosure

Resolved-Initial Closing Disclosure uploaded, Verified & entered in system - Resolved
- Due Diligence Vendor-XX/XX/XXXX _xXXXX_
Ready for Review-Document Uploaded. attached - Seller-XX/XX/XXXX _xXXXX_
Open-TRID: Missing Closing Disclosure. Provide Initial and Revised Closing Disclosures with applicable COC's - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. attached - Seller-XX/XX/XXXX_xXXXX_

Resolved-Initial Closing Disclosure uploaded, Verified & entered in system - Resolved
- Due Diligence Vendor-XX/XX/XXXX_xXXXX_

XXXX

Second Home

Purchase

XXXX

N/A

XXXX

305082347

Closed

2026-04-15 05:47

2026-04-21 16:45

Waived

2 - Non-Material

Property

Appraisal

Property/Appraisal General

Waived-Exception Approved - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_
Unable to Resolve-Unable to Resolve-Unable to resolve; XX agrees with exception approved by XX - Buyer-XX/XX/XXXX _xXXXXD_
Open-Exception is on pg #XXX.
Exception for Lender responsibility for XXX dues N/A in XX as this is governed by a state statute which limits Lender responsibility to less of X% of loan balance or XX mo dues. - Due Diligence Vendor-XX/XX/XXXX

_xXXXXD_

Waived-Exception Approved - Due Diligence Vendor-XX/XX/XXXX_xXXXXD_

XXXX

Second Home

Purchase

XXXX

Investor Post-Close

XXXX

305088832

Closed

2026-04-15 06:36

2026-04-30 06:48

Resolved

1 - Information

Credit

DTI discrepancy or failure.

Resolved-XXXX statement uploaded. DTI meets XX.  - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_
Ready for Review-Document Uploaded.  - Seller-XX/XX/XXXX _xXXXXD_
Counter-Last XXXX statement is on X/XX/XXXX in file. Send newest XXXX statement?  - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_
Ready for Review-The calculation validating the correct income is as follows:
XXXXXXX: Total Net Deposits of $XXXXXXXX* XXX% business ownership with XX% expense ratio = $XXXX.XX Monthly Qualifying Income.
We used total deposits $XXX,XXX.XX x XX% at XXX% ownership / XX = $XXXXX.XX/month.

We used total deposits $XXX,XXX.XX x XX% at XXX% ownership / XX = $XXXXX.XX/month.

They omitted deposits: $XXX,XXX on X/XX/XX & $XX,XXX.XX on X/XX/XX. I need to know why those deposits were excluded.

- Seller-XX/XX/XXXX _xXXXXD_
Counter-Our income calculation for XXXXXXX is: Total Net Deposits of $XXXXXXXX* XXX% business ownership with XX% expense ratio = $XXXX.XX Monthly Qualifying Income.  - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_
Ready for Review-Document Uploaded.  - Seller-XX/XX/XXXX _xXXXXD_
Ready for Review-
• Total liabilities: $XXX.XX
• REO XXX XXXXXXXXXXX cash flow: $X,XXX.XX
• REO XXX XXXX XXXX cash flow: $XXX.XX
• Current primary residence (XXXX XXXXXXX XX), pending sale: ($X,XXX.XX)

REO cash flow subtotal: X,XXX + XXX + (X,XXX) = ($XXX.XX). Adding this to the liabilities results in all other payments of $X,XXX.XX.
- Seller-XX/XX/XXXX _xXXXXD_
Open-DTI discrepancy on the loan, as per the DTI calculations our calculated DTI is XX.XX% but Originator DTI is XX.XX%.Variance is XX.XX% due to the difference in income and in all other monthly payment, Our calculated income for the business Realtor is $XXXXX.XX + XXX XXX XXX $XXXX.XX + REOs Rental income $XXXX + $XXX = $XXXXX.XX total income whereas per final final XXXX page XXX income is $XXXXX.XX and as per final XXXX page XXX income is $XXXXX.XX + $XXXX.XX + REOs Rental income $XXXX + $XXX = $XXXXX.XX and Our calculated all other monthly payment is $XXX whereas as per XXXX page XXX all other monthly payment is $XXXX. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX _xXXXXD_
Ready for Review-The calculation validating the correct income is as follows:
XXXXXXX: Total Net Deposits of $XXXXXXXX* XXX% business ownership with XX% expense ratio = $XXXX.XX Monthly Qualifying Income.
We used total deposits $XXX,XXX.XX x XX% at XXX% ownership / XX = $XXXXX.XX/month.

We used total deposits $XXX,XXX.XX x XX% at XXX% ownership / XX = $XXXXX.XX/month.

They omitted deposits: $XXX,XXX on X/XX/XX & $XX,XXX.XX on X/XX/XX. I need to know why those deposits were excluded.

- Seller-XX/XX/XXXX _xXXXXD_
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX _xXXXXD_
Ready for Review-
• Total liabilities: $XXX.XX
• REO XXX XXXXXXXXXXX cash flow: $X,XXX.XX
• REO XXX XXXX XXXX cash flow: $XXX.XX
• Current primary residence (XXXX XXXXXXX XX), pending sale: ($X,XXX.XX)

REO cash flow subtotal: X,XXX + XXX + (X,XXX) = ($XXX.XX). Adding this to the liabilities results in all other payments of $X,XXX.XX.
- Seller-XX/XX/XXXX_xXXXXD_

Resolved-XXXX statement uploaded. DTI meets XX. - Due Diligence Vendor-XX/XX/XXXX_xXXXXD_

XXXX

Primary Residence

Purchase

XXXX

N/A

XXXX

305088832

Closed

2026-04-15 18:11

2026-04-30 06:48

Resolved

1 - Information

Credit

Eligibility

Audited DTI Exceeds Guideline DTI Requirements

Resolved-XXXX statement uploaded. Resolved.  - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_
Ready for Review-Document Uploaded.  - Seller-XX/XX/XXXX _xXXXXD_
Counter-Last XXXX statement is on X/XX/XXXX in file. Latest deposits on X/XX/XXXX not on there. Send latest XXXX statement for XXXXXX.  - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_
Ready for Review-XXXXXXX: Total Net Deposits of $XXXXX.XX* XXX% business ownership with XX% expense ratio = $XXX.XX Monthly Qualifying Income.
$XXXX.XX+$XXX.XX = $XXXXX.XX
- Seller-XX/XX/XXXX _xXXXXD_
Counter-Our calculated income for the business Realtor is $XXXXX.XX + XXX XXX XXX $XXXX.XX + REOs Rental income $XXXX + $XXX = $XXXXX.XX where income on XXXX page XXX income is $XXXXX.XX, causing the DTI difference.  - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_
Ready for Review-
• Total liabilities: $XXX.XX
• REO XXX XXXXXXXXXXX cash flow: $X,XXX.XX
• REO XXX XXXX XXXX cash flow: $XXX.XX
• Current primary residence (XXXX XXXXXXX XX), pending sale: ($X,XXX.XX)

REO cash flow subtotal: X,XXX + XXX + (X,XXX) = ($XXX.XX). Adding this to the liabilities results in all other payments of $X,XXX.XX.
- Seller-XX/XX/XXXX _xXXXXD_
Open-Audited DTI of XX.XX% exceeds Guideline DTI of XX% Audited DTI XX.XX% exceeds Guideline DTI of XX%, DTI discrepancy on the loan, as per the DTI calculations our calculated DTI is XX.XX% but Originator DTI is XX.XX%.Variance is XX.XX% due to the difference in income and in all other monthly payment, Our calculated income for the business Realtor is $XXXXX.XX + XXX XXX XXX $XXXX.XX + REOs Rental income $XXXX + $XXX = $XXXXX.XX total income whereas per final final XXXX page XXX income is $XXXXX.XX and as per final XXXX page XXX income is $XXXXX.XX + $XXXX.XX + REOs Rental income $XXXX + $XXX = $XXXXX.XX and Our calculated all other monthly payment is $XXX whereas as per XXXX page XXX all other monthly payment is $XXXX. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX _xXXXXD_
Ready for Review-XXXXXXX: Total Net Deposits of $XXXXX.XX* XXX% business ownership with XX% expense ratio = $XXX.XX Monthly Qualifying Income.
$XXXX.XX+$XXX.XX = $XXXXX.XX
- Seller-XX/XX/XXXX _xXXXXD_
Ready for Review-
• Total liabilities: $XXX.XX
• REO XXX XXXXXXXXXXX cash flow: $X,XXX.XX
• REO XXX XXXX XXXX cash flow: $XXX.XX
• Current primary residence (XXXX XXXXXXX XX), pending sale: ($X,XXX.XX)

REO cash flow subtotal: X,XXX + XXX + (X,XXX) = ($XXX.XX). Adding this to the liabilities results in all other payments of $X,XXX.XX.
- Seller-XX/XX/XXXX_xXXXXD_

Resolved-XXXX statement uploaded. Resolved. - Due Diligence Vendor-XX/XX/XXXX_xXXXXD_

XXXX

Primary Residence

Purchase

XXXX

N/A

XXXX

305071406

Closed

2026-04-16 08:23

2026-05-11 06:45

Resolved

1 - Information

Credit

Eligibility

Ineligible Housing History per program guidelines

Resolved-Borrowers who do not have a complete XX-month housing history are subject to the following restrictions:
Ÿ Primary residence and second homes only  - subject loan is primary residence
Ÿ Minimum X months reserves after closing  - X mo's reserves documented
Ÿ XX% minimum borrower contribution  - XX XXX
Ÿ Payment Shock is not considered
Ÿ XXX/XXX must be obtained for all months available reflecting paid as agreed  - most current X months available at X,XXXfor XXXX XXXXXXXX XX.
Ÿ Properties owned free and clear are considered XxXX for grading purposes.  - N/A - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_
Ready for Review-Nothing further required as loan meets guidelines for less than XX months of housing history. - Seller-XX/XX/XXXX _xXXXXD_
Counter-Missing completed XX mo housing payment history : XXX for X,XXX for the previous address  XXXX XXXXXXX XXXXXX XXX  and  XXXXX XXXXXXX XXXXXXX X  to completed XX mo housing payment history. ( Received X mos of current for X,XXX at XXXX XXXXXXXX XX) - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_
Ready for Review-Loan meets guidelines for less than XX months housing history - Seller-XX/XX/XXXX _xXXXXD_
Counter-Received documentation for another property, missing housing history for primary residence. - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_
Ready for Review-Document Uploaded. Loan meets guidelines for less than XX months housing history - Seller-XX/XX/XXXX _xXXXXD_
Open-Housing History Does Not Meet Guideline Requirements Missing XX month primary housing history. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Nothing further required as loan meets guidelines for less than XX months of housing history. - Seller-XX/XX/XXXX _xXXXXD_
Ready for Review-Loan meets guidelines for less than XX months housing history - Seller-XX/XX/XXXX _xXXXXD_
Ready for Review-Document Uploaded. Loan meets guidelines for less than XX months housing history - Seller-XX/XX/XXXX_xXXXXD_

XXXX

Primary Residence

Purchase

XXXX

N/A

XXXX

305071406

Closed

2026-04-20 08:54

2026-04-29 07:08

Resolved

1 - Information

Credit

Eligibility

Trust/POA Does Not Meet Guideline Requirements

Resolved-Trust/POA Meets Guideline Requirements - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_
Resolved-Received fully executed POA for Borrower X and Affidavit of the POA - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_
Ready for Review-Document Uploaded. Uploaded - Seller-XX/XX/XXXX _xXXXXD_
Open-Trust/POA Does Not Meet Guideline Requirements Missing power of attorney documentation from the file. - Due Diligence Vendor-XX/XX/XXXX

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

XXXX

Primary Residence

Purchase

XXXX

N/A

XXXX

305071406

Closed

2026-04-20 08:57

2026-04-29 07:06

Resolved

1 - Information

Compliance

Missing Doc

The Deed of Trust is Missing

Resolved-POA received and Deed of trust is page XXX - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_
Ready for Review-Document Uploaded. uploaded - Seller-XX/XX/XXXX _xXXXXD_
Open-The Deed of Trust is Missing Missing confirmation of POA being recorded with the Deed of Trust. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. uploaded - Seller-XX/XX/XXXX_xXXXXD_

Resolved-POA received and Deed of trust is page XXX - Due Diligence Vendor-XX/XX/XXXX_xXXXXD_

XXXX

Primary Residence

Purchase

XXXX

N/A

XXXX

305071406

Closed

2026-04-20 08:22

2026-04-27 10:42

Waived

2 - Non-Material

Credit

Deficient Income Documentation

Waived- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_
Unable to Resolve-Document Uploaded. - Buyer-XX/XX/XXXX _xXXXXD_
Unable to Resolve-Unable to Resolve-XX approves exception - Seller-XX/XX/XXXX _xXXXXD_
Open-Exception made to utilize XXX doc type with income from X entities, one entity <XX month old. - Due Diligence Vendor-XX/XX/XXXX

Unable to Resolve-Unable to Resolve-XX approves exception - Seller-XX/XX/XXXX_xXXXXD_

_xXXXXD_

XXXX

Primary Residence

Purchase

XXXX

Originator Pre-Close

Yes

XXXX

305082414

Closed

2026-04-17 13:02

2026-04-21 05:50

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 Gap Credit Report is Missing

Resolved-Borrower X Gap Credit Report is not missing. - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_
Ready for Review-Gap report provided - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_
Ready for Review-Document Uploaded. attached - Buyer-XX/XX/XXXX _xXXXXD_
Open-Borrower X Gap Credit Report is Missing Missing Gap report - Due Diligence Vendor-XX/XX/XXXX

_xXXXXD_

Resolved-Borrower X Gap Credit Report is not missing. - Due Diligence Vendor-XX/XX/XXXX_xXXXXD_

XXXX

Primary Residence

Refinance

Cash Out - Debt Consolidation

XXXX

N/A

XXXX

305082414

Closed

2026-04-17 14:07

2026-04-21 05:47

Resolved

1 - Information

Compliance

Missing Doc

Missing evidence of rate lock

Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_
Ready for Review-Document Uploaded. see attached with correct loan amount and ltv. - Buyer-XX/XX/XXXX _xXXXXD_
Open-Evidence of Rate Lock Missing Provide correct Lock confirmation, page XXX final lock has loan amount $XXX,XXX and LTV of XX.XXX.. - Due Diligence Vendor-XX/XX/XXXX

_xXXXXD_

Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-XX/XX/XXXX_xXXXXD_

XXXX

Primary Residence

Refinance

Cash Out - Debt Consolidation

XXXX

N/A

XXXX

305056931

Closed

2026-04-16 01:31

2026-04-20 15:20

Resolved

1 - Information

Credit

Title

Title Coverage is Less than Subject Lien(s) Total

Resolved-Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_
Ready for Review-Title Commitment in amount of $XXX,XXX.XX - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_
Open-Title Coverage Amount of $XXXXXX is Less than Loan Amount Provide Title coverage in the amount of $XXX,XXX. Title received was for $XXX,XXX. - Due Diligence Vendor-XX/XX/XXXX

_xXXXXD_

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

XXXX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

XXXX

N/A

XXXX

305082462

Closed

2026-04-16 08:11

2026-04-24 05:32

Resolved

1 - Information

Credit

Missing Doc

Title Document is Incomplete

Resolved-Resolved, Updated Title documents provided. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_
Resolved-Requested supplemental report with correct coverage amount provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_
Resolved-Title Document is Provided And Complete - Due Diligence Vendor-XX/XX/XXXX _xXXXX_
Ready for Review-Document Uploaded. Title Supplement uploaded for review. - Buyer-XX/XX/XXXX _xXXXX_
Open-Title Document is Incomplete Provide Title document with coverage amount of $X,XXX,XXX. - Due Diligence Vendor-XX/XX/XXXX

_xXXXX_

XXXX

Primary Residence

Purchase

XXXX

N/A

XXXX

305082462

Closed

2026-04-16 07:11

2026-04-23 04:39

Resolved

1 - Information

Compliance

Missing Doc

Missing evidence of rate lock

Resolved-Resolved, Rate lock provided and updated. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_
Resolved-Requested Rate Lock Provided, Updated & Condition Resolved - Due Diligence Vendor-XX/XX/XXXX _xXXXX_
Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-XX/XX/XXXX _xXXXX_
Ready for Review-Document Uploaded. Rate Lock uploaded for review - Buyer-XX/XX/XXXX _xXXXX_
Open-Evidence of Rate Lock Missing Provide updated Lock confirmation document. Income Doc Type shows Business XXXX Statement XX Mos but loan is qualifying with Full doc. - Due Diligence Vendor-XX/XX/XXXX

_xXXXX_

XXXX

Primary Residence

Purchase

XXXX

N/A

XXXX

305082564

Closed

2026-04-17 03:10

2026-05-07 16:21

Waived

2 - Non-Material

Credit

Eligibility

Audited Loan Amount is less than Guideline Minimum Loan Amount

Waived-Formal exception in loan file. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_
Unable to Resolve-Unable to Resolve-Document Uploaded. Please see XX exception approval and clear finding, thank you. - Buyer-XX/XX/XXXX _xXXXX_
Open-Audited Loan Amount of $XXXXX is less than the Guideline Minimum Loan Amount of $XXXXXX Exception page on #XXX approved for loan amount $XX,XXX vs min of $XXXK.
xception approved for loan amount $XX,XXX vs min of $XXXK. Subject property is in
CX condition. No required repairs. All components in average condition. Appraisal “as is”. DSCR >
X.XX based on long term market rent. XXX CS. > XX mo reserves from loan proceeds - Due Diligence Vendor-XX/XX/XXXX

_xXXXX_

Waived-Formal exception in loan file. - Due Diligence Vendor-XX/XX/XXXX_xXXXX_

XXXX

Investment

Refinance

Cash Out - Other

XXXX

Originator Pre-Close

Yes

XXXX

305082564

Closed

2026-04-17 04:44

2026-05-07 16:20

Waived

2 - Non-Material

Credit

Eligibility

Loan does not conform to program guidelines

Waived-Formal exception in loan file - Due Diligence Vendor-XX/XX/XXXX _xXXXX_
Unable to Resolve-Unable to Resolve-Document Uploaded. Please see XX exception previously approved and clear finding, thank you. - Buyer-XX/XX/XXXX _xXXXX_
Open-Loan does not conform to program guidelines Exception on page#XXX for XXX
Borrower is not XXXX verified from doc's and Meet G/L
- Due Diligence Vendor-XX/XX/XXXX

_xXXXX_

Waived-Formal exception in loan file - Due Diligence Vendor-XX/XX/XXXX_xXXXX_

XXXX

Investment

Refinance

Cash Out - Other

XXXX

Originator Pre-Close

Yes

XXXX

305082384

Closed

2026-04-20 13:00

2026-05-05 08:18

Resolved

1 - Information

Credit

Doc Issue

Missing asset documentation (ATR)

Resolved-Received gift fund deposits. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_
Ready for Review-Document Uploaded. Gift Docs from seller uploaded for review. - Buyer-XX/XX/XXXX _xXXXX_
Open-Missing deposit of gift funds. - Due Diligence Vendor-XX/XX/XXXX

_xXXXX_

Resolved-Received gift fund deposits. - Due Diligence Vendor-XX/XX/XXXX_xXXXX_

XXXX

Primary Residence

Purchase

XXXX

N/A

XXXX

305082384

Closed

2026-04-17 03:17

2026-05-05 08:18

Resolved

1 - Information

Compliance

TRID

Final CD: Estimated Taxes, Insurance, & Assessments "In escrow? is incomplete or inaccurate "

Resolved-Received tax calculation. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_
Ready for Review-Document Uploaded. Tax Calculator from seller uploaded for review. - Buyer-XX/XX/XXXX _xXXXX_
Open-Taxes are not matching with Final CD's tax amount.
- Due Diligence Vendor-XX/XX/XXXX

_xXXXX_

Resolved-Received tax calculation. - Due Diligence Vendor-XX/XX/XXXX_xXXXX_

XXXX

Primary Residence

Purchase

XXXX

N/A

XXXX

305082541

Closed

2026-04-21 04:17

2026-05-06 18:03

Resolved

1 - Information

Compliance

Closing

The Deed of Trust is Not Executed

Resolved-The Deed of Trust is Executed - Due Diligence Vendor-XX/XX/XXXX _xXXXX_
Ready for Review-Document Uploaded. Please see the attached signed DOT. - Buyer-XX/XX/XXXX _xXXXX_
Open-The Deed of Trust is Not Executed deed of trust document is not signed
- Due Diligence Vendor-XX/XX/XXXX

_xXXXX_

Resolved-The Deed of Trust is Executed - Due Diligence Vendor-XX/XX/XXXX_xXXXX_

XXXX

Second Home

Refinance

No Cash Out - Borrower Initiated

XXXX

N/A

XXXX

305082541

Closed

2026-04-21 00:03

2026-05-06 18:02

Resolved

1 - Information

Compliance

Closing

The Note is Not Executed

Resolved-The Note is Executed - Due Diligence Vendor-XX/XX/XXXX _xXXXX_
Ready for Review-Document Uploaded. Please see the attached signed note. - Seller-XX/XX/XXXX _xXXXX_
Open-The Note is Not Executed Note Final Document is Not Signed - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Please see the attached signed note. - Seller-XX/XX/XXXX_xXXXX_

Resolved-The Note is Executed - Due Diligence Vendor-XX/XX/XXXX_xXXXX_

XXXX

Second Home

Refinance

No Cash Out - Borrower Initiated

XXXX

N/A

XXXX

305082541

Closed

2026-04-24 06:22

2026-05-06 17:58

Resolved

1 - Information

Compliance

Closing

The Final 1003 is Not Executed

Resolved-The Final XXXX is Executed - Due Diligence Vendor-XX/XX/XXXX _xXXXX_
Ready for Review-Document Uploaded. Please see the attached signed XXXX. - Buyer-XX/XX/XXXX _xXXXX_
Open-The Final XXXX is Not Executed Final XXXX is not signed or executed - Due Diligence Vendor-XX/XX/XXXX

_xXXXX_

Resolved-The Final XXXX is Executed - Due Diligence Vendor-XX/XX/XXXX_xXXXX_

XXXX

Second Home

Refinance

No Cash Out - Borrower Initiated

XXXX

N/A

XXXX

305082541

Closed

2026-04-21 23:15

2026-05-06 17:04

Waived

2 - Non-Material

Credit

Income/Employment

Income/Employment General

Waived-Exception Approved - Due Diligence Vendor-XX/XX/XXXX _xXXXX_
Unable to Resolve-Unable to Resolve-Document Uploaded. XXXXXXXXXX approved exception - please clear. - Buyer-XX/XX/XXXX _xXXXX_
Open-Exception approved to allow use of tax transcript provided by borrower via irs.gov in
lieu of transcripts obtained by XXXXXXXXXX. Wages (BX & BX) are exact match between W-X and
transcripts - Due Diligence Vendor-XX/XX/XXXX

_xXXXX_

Waived-Exception Approved - Due Diligence Vendor-XX/XX/XXXX_xXXXX_

XXXX

Second Home

Refinance

No Cash Out - Borrower Initiated

XXXX

Originator Pre-Close

Yes

XXXX

305082496

Closed

2026-04-21 16:06

2026-04-29 12:17

Resolved

1 - Information

Credit

Eligibility

Trust/POA Does Not Meet Guideline Requirements

Resolved-Trust/POA Meets XXXXXXXXX Requirements - Due Diligence Vendor-XX/XX/XXXX

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

Open-Trust/POA Does Not Meet XXXXXXXXX Requirements Missing power of attorney documentation from the file. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Trust/POA Meets XXXXXXXXX Requirements - Due Diligence Vendor-XX/XX/XXXX

XXXX

Second Home

Purchase

XXXX

N/A

XXXX

305082496

Closed

2026-04-21 16:26

2026-04-29 12:06

Resolved

1 - Information

Credit

Eligibility

Ineligible Housing History per program guidelines

Resolved-Housing History Meets XXXXXXXXX Requirements - Due Diligence Vendor-XX/XX/XXXX

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

Open-Housing History Does Not Meet XXXXXXXXX Requirements Missing XX month housing history for primary residence. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Housing History Meets XXXXXXXXX Requirements - Due Diligence Vendor-XX/XX/XXXX

XXXX

Second Home

Purchase

XXXX

N/A

XXXX

305082704

Closed

2026-04-23 00:51

2026-05-05 01:51

Resolved

1 - Information

Credit

Missing Doc

Evidence of Property Tax Missing

Resolved-Requested tax cert with correct taxes provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Evidence of Property Tax is present - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Tax Stmt attached - Due Diligence Vendor-XX/XX/XXXX

Open-Missing Evidence of Property Tax Tax cert on page XXX and XXX does not reflect an amount. Title does not reflect taxes - Due Diligence Vendor-XX/XX/XXXX

XXXX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

XXXX

N/A

XXXX

305082407

Closed

2026-04-28 08:17

2026-05-01 12:31

Resolved

1 - Information

Credit

Missing Doc

Missing Business Narrative

Resolved-Self-Employed Business Narrative provided in Findings. Resolved.  - Due Diligence Vendor-XX/XX/XXXX

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

Open-The Self-Employed Business Narrative is missing.  - Due Diligence Vendor-XX/XX/XXXX

Resolved-Self-Employed Business Narrative provided in Findings. Resolved. - Due Diligence Vendor-XX/XX/XXXX

XXXX

Primary Residence

Purchase

XXXX

N/A

XXXX

305038704

Closed

2026-04-22 05:43

2026-04-30 05:04

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 3rd Party VOE Prior to Close Missing

Resolved-Borrower X Xrd Party VOE uploaded, Verified & entered in system - Resolved
- Due Diligence Vendor-XX/XX/XXXX

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

Ready for Review-Real Estate license active - closing VOE X/X - Due Diligence Vendor-XX/XX/XXXX

Open-Borrower X Xrd Party VOE Prior to Close Missing in file - Due Diligence Vendor-XX/XX/XXXX

XXXX

Primary Residence

Refinance

Cash Out - Other

XXXX

N/A

XXXX

305038704

Closed

2026-04-22 05:36

2026-04-30 05:04

Resolved

1 - Information

Credit

Title

Title Coverage is Less than Subject Lien(s) Total

Resolved-Updated Title Commitment uploaded, Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s), Verified & entered in system - Resolved
- Due Diligence Vendor-XX/XX/XXXX

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

Ready for Review-Title Commitment at XXXXXX - Due Diligence Vendor-XX/XX/XXXX

Open-Title Coverage Amount of $XXXXXX is Less than Loan Amount Title Coverage Amount of $XXX,XXX is Less than Loan Amount $XXX,XXX - Due Diligence Vendor-XX/XX/XXXX

XXXX

Primary Residence

Refinance

Cash Out - Other

XXXX

N/A

XXXX

305082438

Closed

2026-04-28 10:02

2026-04-30 13:12

Resolved

1 - Information

Credit

Missing Doc

Missing Lender Income Calculation Worksheet

Resolved-Asset Depletion Calculator provided in Findings. Resolved. - Due Diligence Vendor-XX/XX/XXXX

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

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

Open-Bank Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. The Asset Utilization worksheet is missing. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Asset Depletion Calculator provided in Findings. Resolved. - Due Diligence Vendor-XX/XX/XXXX

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

XXXX

Second Home

Purchase

XXXX

N/A

XXXX

305082438

Closed

2026-04-22 03:02

2026-04-29 05:34

Resolved

1 - Information

Credit

Insurance

Flood Insurance Effective Date is after the Note Date

Resolved-Requested updated HOI policy with effective date of XX/XX/XXXX which is same as note date provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Flood Insurance Effective Date of XX-XX-XXXX is prior to or equal to the Note Date of XX-XX-XXXX Or Flood Insurance Effective Date Is Not Provided - Due Diligence Vendor-XX/XX/XXXX

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

Open-Flood Insurance Effective Date of XX-XX-XXXX is after the Note Date of XX-XX-XXXX The Flood Insurance Effective Date of X/XX/XXXX is after the Note Date of X/XX/XXXX and Disbursement Date of X/XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX

XXXX

Second Home

Purchase

XXXX

N/A

XXXX

305082691

Closed

2026-04-23 11:09

2026-04-28 12:50

Resolved

1 - Information

Credit

Title

Satisfactory Chain of Title not Provided

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

Ready for Review-This is a Delayed Purchase transaction which means a property purchased with cash within six months. Per the XXX, the Property was purchased on Xxx XX, XXXX. We closed the loan on Xxxxx XX, XXXX which is within X months of the purchase date and this satisfies the timeframe for a delayed purchase. Property was vested in XXX XXX XXXXXXX XXX. Per the XX for XXX XXX XXXXXXX XXX, XXXXXXX XXXXX, our guarantor is the sole member of this entity. The XX for XXX XXX can be found in the Cost Basis dataset and also attached here. We also have a draft deed that shows vesting will be transferred to XXXX XXXXX XXXXX, XXX. These docs are found in the Prelim dataset and linked here as well. - Due Diligence Vendor-XX/XX/XXXX

Open-Unsatisfactory Chain of Title provided seasoning requirements are not met, Borrower ownership is not completed X months - Due Diligence Vendor-XX/XX/XXXX

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

XXXX

Investment

Refinance

Cash Out - Other

XXXX

N/A

XXXX

305066614

Closed

2026-04-23 09:38

2026-04-30 06:40

Resolved

1 - Information

Credit

Eligibility

Ineligible Housing History per program guidelines

Resolved-Housing History Meets XXXXXXXXX Requirements - Due Diligence Vendor-XX/XX/XXXX

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

Open-Housing History Does Not Meet XXXXXXXXX Requirements Primary Mortgage or Current Rent History considered as X months since unable to verify the primary housing history.
- Due Diligence Vendor-XX/XX/XXXX

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

Resolved-Housing History Meets XXXXXXXXX Requirements - Due Diligence Vendor-XX/XX/XXXX

XXXX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

XXXX

N/A

XXXX

305079216

Closed

2026-04-23 03:51

2026-05-14 13:20

Resolved

1 - Information

Credit

Assets

Asset 3 Does Not Meet Guideline Requirements

Resolved-Document recieved. - Due Diligence XXXXXX-XX/XX/XXXX _xXXXXX_
Ready for Review-XXXXX funds deposit - Due Diligence XXXXXX-XX/XX/XXXX _xXXXXX_
Open-Asset Record X Does Not Meet G/L Requirements Missing proof deposit of the proceeds from the sale. - Due Diligence XXXXXX-XX/XX/XXXX

_xXXXXX_

Resolved-Document recieved. - Due Diligence XXXXXX-XX/XX/XXXX_xXXXXX_

XXXX

Second Home

Purchase

XXXX

N/A

XXXX

305079216

Closed

2026-04-23 03:35

2026-05-14 13:18

Resolved

1 - Information

Credit

Insurance

Hazard Insurance Coverage Amount is less than Required Coverage Amount

Resolved-Hazard Insurance Coverage Amount of $XXXXXX is equal to or greater than Required Coverage Amount of $XXXXXX or Guaranteed Replacement Coverage is present (Guaranteed Replacement Coverage indicator is 'Yes') - Due Diligence XXXXXX-XX/XX/XXXX _xXXXXX_
Ready for Review-Insurance Agent email XXX - Due Diligence XXXXXX-XX/XX/XXXX _xXXXXX_
Open-Hazard Insurance Coverage Amount of $XXXXXX is less than Required Coverage Amount of $XXXXXX and Guaranteed Replacement Coverage indicator is 'No' Hazard insurance coverage amount is $XXXXXX and loan amount is $XXXXXX. Provide supporting documents. - Due Diligence XXXXXX-XX/XX/XXXX

_xXXXXX_

XXXX

Second Home

Purchase

XXXX

N/A

XXXX

305079216

Closed

2026-04-23 03:04

2026-05-14 04:34

Resolved

1 - Information

Credit

Missing Doc

Borrower 2 3rd Party VOE Prior to Close Missing

Resolved-Xrd Party XXX Provided. Resolved - Due Diligence XXXXXX-XX/XX/XXXX _xXXXXX_
Ready for Review-XXX BX - Due Diligence XXXXXX-XX/XX/XXXX _xXXXXX_
Open-Borrower X Xrd Party XXX Prior to Close Missing Missing XXX/XXX in file. - Due Diligence XXXXXX-XX/XX/XXXX

_xXXXXX_

Resolved-Xrd Party XXX Provided. Resolved - Due Diligence XXXXXX-XX/XX/XXXX_xXXXXX_

XXXX

Second Home

Purchase

XXXX

N/A

XXXX

305079216

Closed

2026-04-23 03:04

2026-05-14 04:34

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 3rd Party VOE Prior to Close Missing

_xXXXXX_

Resolved-Xrd Party XXX Provided. Resolved - Due Diligence XXXXXX-XX/XX/XXXX_xXXXXX_

XXXX

Second Home

Purchase

XXXX

N/A

XXXX

305079216

Closed

2026-04-23 01:07

2026-05-14 04:12

Resolved

1 - Information

Credit

Missing Doc

1008 Document is Missing

Resolved-XXXX document provided. Resolved - Due Diligence XXXXXX-XX/XX/XXXX _xXXXXX_
Ready for Review-XXXX attached - Due Diligence XXXXXX-XX/XX/XXXX _xXXXXX_
Open-The XXXX document is missing from the loan file. - Due Diligence XXXXXX-XX/XX/XXXX

_xXXXXX_

Resolved-XXXX document provided. Resolved - Due Diligence XXXXXX-XX/XX/XXXX_xXXXXX_

XXXX

Second Home

Purchase

XXXX

N/A

XXXX

305071532

Closed

2026-04-24 01:22

2026-05-19 11:58

Waived

2 - Non-Material

Credit

Eligibility

Audited LTV Exceeds Guideline LTV

Waived-Exception Approved - Due Diligence XXXXXX-XX/XX/XXXX _xXXXXX_
Acknowledged-XX Acknowledged - Due Diligence XXXXXX-XX/XX/XXXX _xXXXXX_
Open-XX approves exception on rate term refinance. Com Factors: XXX XXX, XX mos reserves, XxXX on all mortgages. - Buyer-XX/XX/XXXX _xXXXXX_
Open-Audited LTV Exceeds XXXXXXXXX LTV non warrantable condo max LTV is XX% an exception was not provided - Due Diligence XXXXXX-XX/XX/XXXX _xXXXXX_
Open-Audited LTV of XX.X% exceeds XXXXXXXXX LTV of XX% Non warrantable condo max LTV is XX% an exception was not provided - Due Diligence XXXXXX-XX/XX/XXXX _xXXXXX_
Open-Audited LTV Exceeds XXXXXXXXX LTV Non warrantable condo max LTV is XX% an exception was not provided - Due Diligence XXXXXX-XX/XX/XXXX

_xXXXXX_

Waived-Exception Approved - Due Diligence XXXXXX-XX/XX/XXXX _xXXXXX_
Acknowledged-XX Acknowledged - Due Diligence XXXXXX-XX/XX/XXXX_xXXXXX_

XXXX

Investment

Refinance

No Cash Out - Borrower Initiated

XXXX

Investor Post-Close

XXXX

305077787

Closed

2026-04-27 06:43

2026-05-08 06:16

Resolved

1 - Information

Compliance

TRID Tolerance

Insufficient Change of Circumstance (50001252)

Resolved- - Due Diligence XXXXXX-XX/XX/XXXX _xXXXXX_
Resolved- - Due Diligence XXXXXX-XX/XX/XXXX _xXXXXX_
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX _xXXXXX_
Open- - Due Diligence XXXXXX-XX/XX/XXXX _xXXXXX_
Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Loan Discount Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (XX XXX XXXXXX.X(X)(X); XX XXX XXXXXX.X(X)(X); XX XXX XXXXXX.X(X)(X)). Required XXX for increase in Discount points from XX to XX. - Due Diligence XXXXXX-XX/XX/XXXX _xXXXXX_
Open- - Due Diligence XXXXXX-XX/XX/XXXX

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

Resolved- - Due Diligence XXXXXX-XX/XX/XXXX_xXXXXX_

XXXX

Primary Residence

Purchase

XXXX

N/A

XXXX

305077787

Closed

2026-04-27 06:43

2026-05-08 11:30

Resolved

1 - Information

Compliance

HigherPriced:APR

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

Resolved-**The loan meets XXXX XXXXXXXXXX and is a Compliant XXXX loan.
- Due Diligence XXXXXX-XX/XX/XXXX _xXXXXX_
Open- - Due Diligence XXXXXX-XX/XX/XXXX _xXXXXX_
Resolved-**The loan meets XXXX XXXXXXXXXX and is a Compliant XXXX loan.
- Due Diligence XXXXXX-XX/XX/XXXX _xXXXXX_
Open- - Due Diligence XXXXXX-XX/XX/XXXX _xXXXXX_
Resolved-The loan's (X.XXX%) XXX equals or exceeds the Federal XXXX threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable XXXX for this loan is (X.XX%).(XX XXX XXXXX.XX(X)(X)(X)) **The loan meets XXXX XXXXXXXXXX and is a Compliant XXXX loan.

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

_xXXXXX_

Resolved-**The loan meets XXXX XXXXXXXXXX and is a Compliant XXXX loan.
- Due Diligence XXXXXX-XX/XX/XXXX _xXXXXX_
Resolved-**The loan meets XXXX XXXXXXXXXX and is a Compliant XXXX loan.
- Due Diligence XXXXXX-XX/XX/XXXX _xXXXXX_
Resolved-The loan's (X.XXX%) XXX equals or exceeds the Federal XXXX threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable XXXX for this loan is (X.XX%).(XX XXX XXXXX.XX(X)(X)(X)) **The loan meets XXXX XXXXXXXXXX and is a Compliant XXXX loan.

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

XXXX

Primary Residence

Purchase

XXXX

N/A

XXXX

305089777

Closed

2026-04-27 05:08

2026-05-01 01:28

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 Photo Identification Type Missing

Resolved-BX driver's License uploaded, Verified - Resolved - Due Diligence XXXXXX-XX/XX/XXXX _xXXXXX_
Resolved-Validation Resolved or Not Applicable - Due Diligence XXXXXX-XX/XX/XXXX _xXXXXX_
Ready for Review-Photo ID - Due Diligence XXXXXX-XX/XX/XXXX _xXXXXX_
Open-Borrower X Photo Identification Missing. Please provide valid photo identification per guideline requirements. Borrower photo ID is missing in file. - Due Diligence XXXXXX-XX/XX/XXXX

_xXXXXX_

Resolved-BX driver's License uploaded, Verified - Resolved - Due Diligence XXXXXX-XX/XX/XXXX _xXXXXX_
Resolved-Validation Resolved or Not Applicable - Due Diligence XXXXXX-XX/XX/XXXX_xXXXXX_

XXXX

Investment

Purchase

XXXX

N/A

XXXX

305089777

Closed

2026-04-27 04:21

2026-05-01 01:26

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 Gap Credit Report is Missing

Resolved-Borrower Gap Report within XX business days from note date uploaded, Verified - Resolved - Due Diligence XXXXXX-XX/XX/XXXX _xXXXXX_
Resolved-Borrower X Gap Credit Report is not missing. - Due Diligence XXXXXX-XX/XX/XXXX _xXXXXX_
Ready for Review-credit reports - Due Diligence XXXXXX-XX/XX/XXXX _xXXXXX_
Open-Borrower X Gap Credit Report is Missing Per Guidelines, Undisclosed Debt Monitoring (XXX) prior to closing, OR Pull a credit refresh within ten (XX) business days of the note date is required. - Due Diligence XXXXXX-XX/XX/XXXX

_xXXXXX_

XXXX

Investment

Purchase

XXXX

N/A

XXXX

305089777

Closed

2026-04-27 06:23

2026-04-30 20:03

Resolved

1 - Information

Credit

Eligibility

Prepayment Penalty Does Not Meet Guideline Requirements

Resolved-Document received. - Due Diligence XXXXXX-XX/XX/XXXX _xXXXXD_
Resolved-Document received. - Due Diligence XXXXXX-XX/XX/XXXX _xXXXXD_
Ready for Review-Prepayment rider - Due Diligence XXXXXX-XX/XX/XXXX _xXXXXD_
Open-Prepayment Rider is Missing - Due Diligence XXXXXX-XX/XX/XXXX

_xXXXXD_

Resolved-Document received. - Due Diligence XXXXXX-XX/XX/XXXX _xXXXXD_
Resolved-Document received. - Due Diligence XXXXXX-XX/XX/XXXX_xXXXXD_

XXXX

Investment

Purchase

XXXX

N/A

XXXX

305089777

Closed

2026-04-27 03:53

2026-04-30 19:53

Resolved

1 - Information

Compliance

Missing Doc

The Note is Incomplete

Resolved-The Note is Present - Due Diligence XXXXXX-XX/XX/XXXX _xXXXXD_
Ready for Review-Note prepayment addendum - Due Diligence XXXXXX-XX/XX/XXXX _xXXXXD_
Open-The Note is Incomplete Prepayment addendum is missing in file. - Due Diligence XXXXXX-XX/XX/XXXX

_xXXXXD_

Resolved-The Note is Present - Due Diligence XXXXXX-XX/XX/XXXX_xXXXXD_

XXXX

Investment

Purchase

XXXX

N/A

XXXX

305089777

Closed

2026-04-27 04:55

2026-04-30 19:51

Resolved

1 - Information

Property

Missing Doc

Second Appraisal/ Valuation is Missing

Resolved-Document Uploaded. Post Close AVM provided supporting Appraisal value - Due Diligence XXXXXX-XX/XX/XXXX _xXXXXD_
Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence XXXXXX-XX/XX/XXXX _xXXXXD_
Ready for Review-SSR - Due Diligence XXXXXX-XX/XX/XXXX _xXXXXD_
Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than X.X Secondary valuation is missing in file, provide Desk review/AVM/CU score. - Due Diligence XXXXXX-XX/XX/XXXX

_xXXXXD_

Resolved-Document Uploaded. Post Close AVM provided supporting Appraisal value - Due Diligence XXXXXX-XX/XX/XXXX _xXXXXD_

XXXX

Investment

Purchase

XXXX

N/A

XXXX

305089776

Closed

2026-04-24 05:08

2026-07-06 17:24

Resolved

1 - Information

Credit

Missing Doc

Guaranty Agreement Doc Locator is Missing or Partial

Resolved-Validation Resolved' - Due Diligence XXXXXX-XX/XX/XXXX _xXXXXD_
Ready for Review-Guaranties - Due Diligence XXXXXX-XX/XX/XXXX _xXXXXD_
Counter- - Due Diligence XXXXXX-XX/XX/XXXX _xXXXXD_
Ready for Review-A lease is not considered a personal guaranty for a business purpose loan. Per guidelines, each guarantor must execute a Personal Guaranty Agreement.
- Due Diligence XXXXXX-XX/XX/XXXX _xXXXXD_
Ready for Review-Lease - Due Diligence XXXXXX-XX/XX/XXXX _xXXXXD_
Open-Guaranty Agreement Doc is Missing or Partial Guaranty Agreement Doc is Missing - Due Diligence XXXXXX-XX/XX/XXXX

_xXXXXD_

Resolved-Validation Resolved' - Due Diligence XXXXXX-XX/XX/XXXX_xXXXXD_

XXXX

Investment

Refinance

Cash Out - Other

XXXX

N/A

XXXX

305089776

Closed

2026-04-24 04:40

2026-05-08 05:09

Resolved

1 - Information

Credit

Missing Doc

Business Purpose Affidavit is Missing

Resolved-Business Purpose Affidavit provided. Resolved - Due Diligence XXXXXX-XX/XX/XXXX _xXXXXD_
Ready for Review-Affidavit - Due Diligence XXXXXX-XX/XX/XXXX _xXXXXD_
Open-The XXXX Page Loan Type is 'XXXX' but the Business Purpose Affidavit Disclosure Indicator on the XXXX is 'Missing', and on the Business Purpose VX Page is 'Missing'. Business Purpose Affidavit is required for a XXXX loan. Business Purpose Affidavit is required. - Due Diligence XXXXXX-XX/XX/XXXX

_xXXXXD_

Resolved-Business Purpose Affidavit provided. Resolved - Due Diligence XXXXXX-XX/XX/XXXX_xXXXXD_

XXXX

Investment

Refinance

Cash Out - Other

XXXX

N/A

XXXX

305089776

Closed

2026-04-24 06:00

2026-05-01 00:59

Resolved

1 - Information

Credit

Missing Doc

Borrower 2 Photo Identification Type Missing

Resolved-BX Driver’s License uploaded, Verified – Resolved - Due Diligence XXXXXX-XX/XX/XXXX _xXXXXD_
Resolved-Validation Resolved or Not Applicable - Due Diligence XXXXXX-XX/XX/XXXX _xXXXXD_
Ready for Review-Photo ID - Due Diligence XXXXXX-XX/XX/XXXX _xXXXXD_
Open-Borrower X Photo Identification Missing. Please provide valid photo identification per guideline requirements. - Due Diligence XXXXXX-XX/XX/XXXX

_xXXXXD_

Resolved-BX Driver’s License uploaded, Verified – Resolved - Due Diligence XXXXXX-XX/XX/XXXX _xXXXXD_
Resolved-Validation Resolved or Not Applicable - Due Diligence XXXXXX-XX/XX/XXXX_xXXXXD_

XXXX

Investment

Refinance

Cash Out - Other

XXXX

N/A

XXXX

305089776

Closed

2026-04-24 04:58

2026-05-01 00:58

Resolved

1 - Information

Credit

Missing Doc

Title Document Missing

Resolved-Final Title Policy uploaded, Verified - Resolved - Due Diligence XXXXXX-XX/XX/XXXX _xXXXXD_
Resolved-Title Document is fully Present - Due Diligence XXXXXX-XX/XX/XXXX _xXXXXD_
Ready for Review-Title - Due Diligence XXXXXX-XX/XX/XXXX _xXXXXD_
Open-Title Document is missing - Due Diligence XXXXXX-XX/XX/XXXX

_xXXXXD_

Resolved-Final Title Policy uploaded, Verified - Resolved - Due Diligence XXXXXX-XX/XX/XXXX _xXXXXD_
Resolved-Title Document is fully Present - Due Diligence XXXXXX-XX/XX/XXXX_xXXXXD_

XXXX

Investment

Refinance

Cash Out - Other

XXXX

N/A

XXXX

305089833

Closed

2026-04-30 14:30

2026-05-18 08:39

Resolved

1 - Information

Credit

Eligibility

Ineligible Housing History per program guidelines

Resolved-Clarification received. - Due Diligence XXXXXX-XX/XX/XXXX _xXXXXD_
Ready for Review-Primary residence is owned free and clear - no primary housing payment. - Due Diligence XXXXXX-XX/XX/XXXX _xXXXXD_
Open-Housing History Does Not Meet Guideline Requirements Primary housing payment history absent from the file. - Due Diligence XXXXXX-XX/XX/XXXX

_xXXXXD_

Resolved-Clarification received. - Due Diligence XXXXXX-XX/XX/XXXX_xXXXXD_

XXXX

Primary Residence

Purchase

XXXX

N/A

XXXX

305089833

Closed

2026-04-30 14:53

2026-05-08 08:59

Resolved

1 - Information

Credit

Income/Employment

Employment Self-Employed Less Than 2 Years at Origination

Resolved-Clarification received. - Due Diligence XXXXXX-XX/XX/XXXX _xXXXXD_
Ready for Review-Credit Exception was made by XXXXXX since the borrower was shy of the X years by X month. Borrower in same line of business for XX+ years, XX-month XXXX statements used. No bearing on eligibility. - Due Diligence XXXXXX-XX/XX/XXXX _xXXXXD_
Open-According to XXX the borrower has been self employed less than X years. - Due Diligence XXXXXX-XX/XX/XXXX

_xXXXXD_

Resolved-Clarification received. - Due Diligence XXXXXX-XX/XX/XXXX_xXXXXD_

XXXX

Primary Residence

Purchase

XXXX

N/A

XXXX

305089833

Closed

2026-04-27 02:50

2026-05-04 04:42

Resolved

1 - Information

Compliance

Missing Doc

Missing Required Affiliated Business Disclosure

Resolved-Requested affiliate business arrangement disclosure provided, updated & condition resolved. - Due Diligence XXXXXX-XX/XX/XXXX _xXXXXD_
Ready for Review-XXX - Due Diligence XXXXXX-XX/XX/XXXX _xXXXXD_
Open-Affiliate business Arrangement discloser is missing in file. - Due Diligence XXXXXX-XX/XX/XXXX

_xXXXXD_

Resolved-Requested affiliate business arrangement disclosure provided, updated & condition resolved. - Due Diligence XXXXXX-XX/XX/XXXX_xXXXXD_

XXXX

Primary Residence

Purchase

XXXX

N/A

XXXX

305089755

Closed

2026-04-27 08:24

2026-05-05 04:05

Resolved

1 - Information

Credit

Missing Doc

Borrower 2 Photo Identification Type Missing

Resolved-Requested photo ID for BX provided, updated & condition resolved.
- XXX XXXXXXXXX XXXX-XX/XX/XXXX

Resolved-Validation Resolved or Not Applicable - XXX XXXXXXXXX XXXX-XX/XX/XXXX

Ready for Review-ID - XXX XXXXXXXXX XXXX-XX/XX/XXXX

Open-Borrower X Photo Identification Missing. Please provide valid photo identification per XXXXXXXXX requirements. Provide Photo ID for Borrower X. - XXX XXXXXXXXX XXXX-XX/XX/XXXX

Resolved-Requested photo ID for BX provided, updated & condition resolved.
- XXX XXXXXXXXX XXXX-XX/XX/XXXX

Resolved-Validation Resolved or Not Applicable - XXX XXXXXXXXX XXXX-XX/XX/XXXX

XXXX

Primary Residence

Purchase

XXXX

N/A

XXXX

305089755

Closed

2026-04-27 08:24

2026-05-05 04:05

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 Photo Identification Type Missing

Resolved-Requested photo ID for BX provided, updated & condition resolved. - XXX XXXXXXXXX XXXX-XX/XX/XXXX

Resolved-Validation Resolved or Not Applicable - XXX XXXXXXXXX XXXX-XX/XX/XXXX

Ready for Review-ID - XXX XXXXXXXXX XXXX-XX/XX/XXXX

Open-Borrower X Photo Identification Missing. Please provide valid photo identification per XXXXXXXXX requirements. Provide Photo ID for Borrower X. - XXX XXXXXXXXX XXXX-XX/XX/XXXX

Resolved-Requested photo ID for BX provided, updated & condition resolved. - XXX XXXXXXXXX XXXX-XX/XX/XXXX

Resolved-Validation Resolved or Not Applicable - XXX XXXXXXXXX XXXX-XX/XX/XXXX

XXXX

Primary Residence

Purchase

XXXX

N/A

XXXX

305089755

Closed

2026-04-27 09:13

2026-05-04 04:32

Resolved

1 - Information

Compliance

Missing Doc

Missing Initial Escrow Disclosure

Resolved-Requested initial escrow account disclosure provided, updated & condition resolved. - XXX XXXXXXXXX XXXX-XX/XX/XXXX

Ready for Review-IEAD - XXX XXXXXXXXX XXXX-XX/XX/XXXX

Open-Provide IEAD. - XXX XXXXXXXXX XXXX-XX/XX/XXXX

Resolved-Requested initial escrow account disclosure provided, updated & condition resolved. - XXX XXXXXXXXX XXXX-XX/XX/XXXX

XXXX

Primary Residence

Purchase

XXXX

N/A

XXXX

305089755

Closed

2026-04-27 09:13

2026-05-04 04:32

Resolved

1 - Information

Compliance

Missing Doc

Homeownership Counseling Disclosure Is Missing

Resolved-Requested homeowners counseling disclosure provided, updated & condition resolved. - XXX XXXXXXXXX XXXX-XX/XX/XXXX

Ready for Review-Counseling disclosure - XXX XXXXXXXXX XXXX-XX/XX/XXXX

Open-Provide Homeownership Counseling Disclosure. - XXX XXXXXXXXX XXXX-XX/XX/XXXX

Resolved-Requested homeowners counseling disclosure provided, updated & condition resolved. - XXX XXXXXXXXX XXXX-XX/XX/XXXX

XXXX

Primary Residence

Purchase

XXXX

N/A

XXXX

305089755

Closed

2026-04-27 09:14

2026-05-04 04:30

Resolved

1 - Information

Compliance

Missing Doc

Consumer Caution and Home Owner Counseling Notice is Missing

Resolved-Requested home loan toolkit provided, updated & condition resolved. - XXX XXXXXXXXX XXXX-XX/XX/XXXX

Ready for Review-Tool Kit - XXX XXXXXXXXX XXXX-XX/XX/XXXX

Open-Provide Home loan tool kit. - XXX XXXXXXXXX XXXX-XX/XX/XXXX

Resolved-Requested home loan toolkit provided, updated & condition resolved. - XXX XXXXXXXXX XXXX-XX/XX/XXXX

XXXX

Primary Residence

Purchase

XXXX

N/A

XXXX

305089839

Closed

2026-04-27 06:10

2026-05-05 06:59

Resolved

1 - Information

Credit

Eligibility

Ineligible Housing History per program guidelines

Resolved-Housing History Does Not Meet XXXXXXXXX Requirements Pay history provided, finding resolved. - XXX XXXXXXXXX XXXX-XX/XX/XXXX

Ready for Review-Pay History - XXX XXXXXXXXX XXXX-XX/XX/XXXX

Open-Housing History Does Not Meet XXXXXXXXX Requirements Primary Mortgage or Current Rent History verified from page - XXX. Provide updated supporting documents. - XXX XXXXXXXXX XXXX-XX/XX/XXXX

Resolved-Housing History Does Not Meet XXXXXXXXX Requirements Pay history provided, finding resolved. - XXX XXXXXXXXX XXXX-XX/XX/XXXX

XXXX

Primary Residence

Refinance

Cash Out - Other

XXXX

N/A

XXXX

305089839

Closed

2026-04-27 06:04

2026-05-05 06:58

Resolved

1 - Information

Credit

Missing Doc

Missing Business Narrative

Resolved-Business Narrative provided, finding resolved. - XXX XXXXXXXXX XXXX-XX/XX/XXXX

Ready for Review-Business - XXX XXXXXXXXX XXXX-XX/XX/XXXX

Open-Missing business narrative in file. - XXX XXXXXXXXX XXXX-XX/XX/XXXX

Resolved-Business Narrative provided, finding resolved. - XXX XXXXXXXXX XXXX-XX/XX/XXXX

XXXX

Primary Residence

Refinance

Cash Out - Other

XXXX

N/A

XXXX

305089839

Closed

2026-04-27 04:39

2026-05-05 06:49

Resolved

1 - Information

Compliance

TRID

Federal - Closing Disclosure and Consummation Date

Resolved-Initial CD was issued X/X/XX and delivered electronically on the same day, finding resolved. - XXX XXXXXXXXX XXXX-XX/XX/XXXX

Resolved- - XXX XXXXXXXXX XXXX-XX/XX/XXXX

Ready for Review-ICD - XXX XXXXXXXXX XXXX-XX/XX/XXXX

Open- - XXX XXXXXXXXX XXXX-XX/XX/XXXX

Open-The Initial Closing Disclosure Received Date of (XXXX-XX-XX) is not three business days before the consummation date of (XXXX-XX-XX). Three business days before the consummation date is (XXXXXXXX). Under Regulation Z, a consumer must receive the Initial Closing Disclosure reflecting the actual terms of the transaction no later than three business days before consummation. (XXX XXX XXXXX.XX(X)(X)(XX)(X)); XXXXX.XX(X)(X)(XXX)) There is No X business days gap foe initial Cd and Final CD. - XXX XXXXXXXXX XXXX-XX/XX/XXXX

Open- - XXX XXXXXXXXX XXXX-XX/XX/XXXX

Open- - XXX XXXXXXXXX XXXX-XX/XX/XXXX

Resolved-Initial CD was issued X/X/XX and delivered electronically on the same day, finding resolved. - XXX XXXXXXXXX XXXX-XX/XX/XXXX

XXXX

Primary Residence

Refinance

Cash Out - Other

XXXX

N/A

XXXX

305089839

Closed

2026-04-27 04:04

2026-05-05 06:40

Resolved

1 - Information

Credit

Unable to verify PITI on other mortgage related obligations (ATR)

Resolved-Proof of PITIA provided, finding resolved. - XXX XXXXXXXXX XXXX-XX/XX/XXXX

Ready for Review-PITA - XXX XXXXXXXXX XXXX-XX/XX/XXXX

Open-Unable to verify the XXXX X XXXXXXX XX PITI monthly payments and in page XXX we have tax document. Provide supporting documents. - XXX XXXXXXXXX XXXX-XX/XX/XXXX

Resolved-Proof of PITIA provided, finding resolved. - XXX XXXXXXXXX XXXX-XX/XX/XXXX

XXXX

Primary Residence

Refinance

Cash Out - Other

XXXX

N/A

XXXX

305089851

Closed

2026-04-30 14:47

2026-05-05 08:44

Resolved

1 - Information

Credit

Missing Doc

Missing VOM or VOR

Resolved-Verification of prior housing history provided. Resolved. - XXX XXXXXXXXX XXXX-XX/XX/XXXX

Resolved-Validation Resolved' - XXX XXXXXXXXX XXXX-XX/XX/XXXX

Ready for Review-VOR - XXX XXXXXXXXX XXXX-XX/XX/XXXX

Open-VOR/VOM Doc Status should not be 'Missing'. VOR for Rented prior residences missing from file. - XXX XXXXXXXXX XXXX-XX/XX/XXXX

Resolved-Verification of prior housing history provided. Resolved. - XXX XXXXXXXXX XXXX-XX/XX/XXXX

Resolved-Validation Resolved' - XXX XXXXXXXXX XXXX-XX/XX/XXXX

XXXX

Primary Residence

Purchase

XXXX

N/A

XXXX

305089851

Closed

2026-04-24 08:18

2026-05-05 08:43

Resolved

1 - Information

Credit

Eligibility

Ineligible Housing History per program guidelines

Resolved-Rent Free Letter and verified housing history provided. Resolved. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_
Resolved-Housing History Meets XXXXXXXXX Requirements - Due Diligence Vendor-XX/XX/XXXX _xXXXX_
Open-Housing History Does Not Meet XXXXXXXXX Requirements XX month Housing History not provided. Rent free letter for current residence and VOR for Rented prior residences missing from file.
- Due Diligence Vendor-XX/XX/XXXX

_xXXXX_

XXXX

Primary Residence

Purchase

XXXX

N/A

XXXX

305089851

Closed

2026-04-24 05:30

2026-05-04 03:14

Resolved

1 - Information

Credit

Missing Doc

Hazard Insurance Policy is Missing

Resolved-Requested HOI policy provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_
Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-XX/XX/XXXX _xXXXX_
Ready for Review-Hazard - Due Diligence Vendor-XX/XX/XXXX _xXXXX_
Open-Missing Hazard Insurance Policy Home Owner Insurance missing from file - Due Diligence Vendor-XX/XX/XXXX

_xXXXX_

XXXX

Primary Residence

Purchase

XXXX

N/A

XXXX

305089851

Closed

2026-04-24 09:45

2026-05-04 03:10

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 Award Letter Missing

Resolved-Requested award letter provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_
Resolved-Borrower X Award Letter Provided - Due Diligence Vendor-XX/XX/XXXX _xXXXX_
Ready for Review-Award Letter - Due Diligence Vendor-XX/XX/XXXX _xXXXX_
Open-Borrower X Award Letter Missing SSI Award letter missing. - Due Diligence Vendor-XX/XX/XXXX

_xXXXX_

Resolved-Requested award letter provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_
Resolved-Borrower X Award Letter Provided - Due Diligence Vendor-XX/XX/XXXX_xXXXX_

XXXX

Primary Residence

Purchase

XXXX

N/A

XXXX

305089850

Closed

2026-04-27 00:26

2026-05-04 03:26

Resolved

1 - Information

Credit

Title

Title Coverage is Less than Subject Lien(s) Total

Resolved-Requested updated title policy with updated coverage amount that covers loan amount provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_
Resolved-Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-XX/XX/XXXX _xXXXX_
Ready for Review-Title matches the mortgage - Due Diligence Vendor-XX/XX/XXXX _xXXXX_
Open-Title Coverage Amount of $XXXXXX is Less than Loan Amount Insurance coverage amount of $XXX,XXX is insufficient as it is less than the loan amount of $XXX,XXX. - Due Diligence Vendor-XX/XX/XXXX

_xXXXX_

XXXX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

XXXX

N/A

XXXX

305089850

Closed

2026-04-27 01:05

2026-05-04 03:24

Resolved

1 - Information

Credit

Missing Doc

Hazard Insurance Policy is Missing

Resolved-Requested HOI policy provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_
Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-XX/XX/XXXX _xXXXX_
Ready for Review-Hazard - Due Diligence Vendor-XX/XX/XXXX _xXXXX_
Open-Missing Hazard Insurance Policy Hazard Insurance Policy for the subject property is missing from the loan file. Please provide - Due Diligence Vendor-XX/XX/XXXX

_xXXXX_

XXXX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

XXXX

N/A

XXXX

305089850

Closed

2026-04-27 00:35

2026-05-04 03:20

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 3rd Party VOE Prior to Close Missing

Resolved-Requested Xrd party VOE in form of CPA letter provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_
Resolved-Borrower X Xrd Party VOE Prior to Close Was Provided - Due Diligence Vendor-XX/XX/XXXX _xXXXX_
Ready for Review-Income - Due Diligence Vendor-XX/XX/XXXX _xXXXX_
Open-Borrower X Xrd Party VOE Prior to Close Missing Verbal verification of employment is missing from the loan file. Please provide. - Due Diligence Vendor-XX/XX/XXXX

_xXXXX_

XXXX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

XXXX

N/A

XXXX

305089850

Closed

2026-04-27 06:00

2026-05-04 03:16

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 Gap Credit Report is Missing

Resolved-Evidence of Undisclosed Debt Monitoring provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_
Resolved-Borrower X Gap Credit Report is not missing. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_
Ready for Review-Credit - Due Diligence Vendor-XX/XX/XXXX _xXXXX_
Open-Borrower X Gap Credit Report is Missing Gap Credit Report is Missing in file. - Due Diligence Vendor-XX/XX/XXXX

_xXXXX_

XXXX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

XXXX

N/A

XXXX

305089853

Closed

2026-05-11 11:41

2026-05-13 08:18

Resolved

1 - Information

Compliance

Missing Doc

Missing evidence of rate lock

Resolved-Rate Lock page XXX and uploaded. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_
Ready for Review-Rate Lock - Due Diligence Vendor-XX/XX/XXXX _xXXXX_
Open-Evidence of Rate Lock missing. - Due Diligence Vendor-XX/XX/XXXX

_xXXXX_

Resolved-Rate Lock page XXX and uploaded. - Due Diligence Vendor-XX/XX/XXXX_xXXXX_

XXXX

Primary Residence

Purchase

XXXX

N/A

XXXX

305089853

Closed

2026-04-24 00:37

2026-05-08 10:27

Resolved

1 - Information

Credit

Missing Doc

Hazard Insurance Policy is Missing

Resolved-Hazard insurance policy. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_
Resolved-Requested HOI policy provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_
Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-XX/XX/XXXX _xXXXX_
Ready for Review-Hazard - Due Diligence Vendor-XX/XX/XXXX _xXXXX_
Open-Missing Hazard Insurance Policy. - Due Diligence Vendor-XX/XX/XXXX

_xXXXX_

XXXX

Primary Residence

Purchase

XXXX

N/A

XXXX

305089853

Closed

2026-04-24 00:04

2026-05-08 10:25

Resolved

1 - Information

Credit

Eligibility

Ineligible Housing History per program guidelines

Resolved-Letter of explanation no primary housing expense. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_
Resolved-Requested rent free LOX provided in findings, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_
Resolved-Housing History Meets XXXXXXXXX Requirements - Due Diligence Vendor-XX/XX/XXXX _xXXXX_
Ready for Review-see Rent Free LOE - Due Diligence Vendor-XX/XX/XXXX _xXXXX_
Open-Housing History Does Not Meet XXXXXXXXX Requirements Primary Mortgage or Current Rent History - Borrower has no primary housing expense; however, documentation to support rent-free living (rent-free letter) is missing. - Due Diligence Vendor-XX/XX/XXXX

_xXXXX_

XXXX

Primary Residence

Purchase

XXXX

N/A

XXXX

305089853

Closed

2026-04-30 13:36

2026-05-08 10:19

Resolved

1 - Information

Credit

Missing Doc

Third Party Fraud Report not Provided

Resolved-XXXXX report X/X/XXXX. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Fraud - XXX XXXXXXXX XXXXXX-XX/XX/XXXX

Counter-XXXXXXXXXX XXXX XXX Fraud report required from XXXXXXXXXX, XXXXXXXX (XXXX XXXXXX), XXX a similar reporting vendor. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Fraud - XXX XXXXXXXX XXXXXX-XX/XX/XXXX

Open-Missing Third Party Fraud Report. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-XXXXX report X/X/XXXX. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX

XXXX

Primary Residence

Purchase

XXXX

N/A

XXXX

305089853

Closed

2026-04-24 02:03

2026-05-05 09:02

Resolved

1 - Information

Compliance

TRID Tolerance

Insufficient Tolerance Cure (50001028)

Resolved-XXXXXXXXXX Pass. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-: Credit report fee increased and a lender cure of $XXX.XX was provided and is present on the final XX. Recording fee increased from $XXX to $XXX and this was disclosed on the attached XXX/XX dated X/X - XXX XXXXXXXX XXXXXX-XX/XX/XXXX

Open-A Lender Credit for Excess Charges of ($X.XX), Principal Reduction for Excess Charges of ($X.XX), and general or specific lender credit increases of ($XXX.XX) were applied to the total fee variance of ($XXX.XX) between the baseline disclosure and the last Closing Disclosure. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. Credit Report Fee, Recording Fees – Mortgage/Deed was increased in Final and Initial XX required XXX for these fees. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX

Open- - XXX XXXXXXXX XXXXXX-XX/XX/XXXX

Open- - XXX XXXXXXXX XXXXXX-XX/XX/XXXX

Open- - XXX XXXXXXXX XXXXXX-XX/XX/XXXX

Open- - XXX XXXXXXXX XXXXXX-XX/XX/XXXX

Open- - XXX XXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-XXXXXXXXXX Pass. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX

XXXX

Primary Residence

Purchase

XXXX

N/A

XXXX

305089853

Closed

2026-04-30 13:28

2026-05-05 08:55

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 Gap Credit Report is Missing

Resolved-Undisclosed Debt Monitoring X/XX/XXXX. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-see provided Undisclosed Debt Monitoring reports - XXX XXXXXXXX XXXXXX-XX/XX/XXXX

Open-Borrower X Gap Credit Report is Missing XXXXXXXXXX XXXX XXX missing Undisclosed Debt Monitoring or Gap Credit report dated within XX business days of Note Date. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-Undisclosed Debt Monitoring X/XX/XXXX. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX

XXXX

Primary Residence

Purchase

XXXX

N/A

XXXX

305089853

Closed

2026-04-30 14:38

2026-05-04 10:00

Resolved

1 - Information

Credit

Missing Doc

Missing Income - Bank Statements

Resolved-XX months Business bank statements, qualifying income lesser of XXXX and reported XXXX. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Bank Statements - XXX XXXXXXXX XXXXXX-XX/XX/XXXX

Open-XXXXXXXXXX XXXX XXX, XXX missing XXX/tax preparer letter and/or documentation to verify Borrower Business Ownership XXXXX XXXX XXXX. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-XX months Business bank statements, qualifying income lesser of XXXX and reported XXXX. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX

XXXX

Primary Residence

Purchase

XXXX

N/A

XXXX

305089853

Closed

2026-04-30 14:35

2026-05-04 09:41

Resolved

1 - Information

Credit

Lender Approval Form is Missing

Resolved-XXXXXX XXXX XXXX Approval. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Approval - XXX XXXXXXXX XXXXXX-XX/XX/XXXX

Open-Lender Approval is missing. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-XXXXXX XXXX XXXX Approval. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX

XXXX

Primary Residence

Purchase

XXXX

N/A

XXXX

305089853

Closed

2026-04-30 13:59

2026-05-04 09:37

Resolved

1 - Information

Credit

Missing Doc

Title Document Missing

Resolved-Final Title policy X/XX/XXXX. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Title - XXX XXXXXXXX XXXXXX-XX/XX/XXXX

Open-Title Document is missing Missing Title Commitment. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-Final Title policy X/XX/XXXX. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX

XXXX

Primary Residence

Purchase

XXXX

N/A

XXXX

305089854

Closed

2026-04-24 03:54

2026-05-07 09:51

Resolved

1 - Information

Credit

Assets

Asset 4 Does Not Meet Guideline Requirements

Resolved-Requested proof of gift funds provided, updated & condition resolved. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-Asset X Meets Guideline Requirements Or Not Applicable - XXX XXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Gift - XXX XXXXXXXX XXXXXX-XX/XX/XXXX

Open-Asset X Does Not Meet Guideline Requirements Proof of receipt of gift funds is missing. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX

XXXX

Primary Residence

Purchase

XXXX

N/A

XXXX

305089854

Closed

2026-04-24 03:07

2026-05-07 09:45

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 Gap Credit Report is Missing

Resolved-Evidence of Undisclosed Debt Monitoring provided, updated & condition resolved. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-Borrower X Gap Credit Report is not missing. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Gap - XXX XXXXXXXX XXXXXX-XX/XX/XXXX

Open-Borrower X Gap Credit Report is Missing - XXX XXXXXXXX XXXXXX-XX/XX/XXXX

XXXX

Primary Residence

Purchase

XXXX

N/A

XXXX

305089854

Closed

2026-04-24 03:07

2026-05-07 09:45

Resolved

1 - Information

Credit

Missing Doc

Borrower 2 Gap Credit Report is Missing

XXXX

Primary Residence

Purchase

XXXX

N/A

XXXX

305089854

Closed

2026-04-24 04:53

2026-05-05 08:15

Resolved

1 - Information

Compliance

TRID Tolerance

Insufficient Tolerance Cure (50001028)

Resolved-Resolved - XXX XXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-X/XX INITIAL – This disclosure was the initial XX sent to the borrower. X/XX revised XX - XXX loan amount increased – initial loan lock – origination credit added $XX.XX, X/XX revised XX – XXX – property value decreased – change in lock terms - discount points added $XXXX.XX – origination credit removed, X/X revised XX – XXX decrease in loan amount – change in lock terms/pricing. – discount points removed, origination credit added $XX.XX, X/X revised XX – XXX - Recording fees increased due to additional recordable documents required (XXX, XXX, Unknown Rider to the Mortgage/XXX), FINAL XX - $XXX lender cure credit applied for increase in credit report fee and is present on final cd. No additional cure needed - XXX XXXXXXXX XXXXXX-XX/XX/XXXX

Open-A Lender Credit for Excess Charges of ($XXX.XX), Principal Reduction for Excess Charges of ($X.XX), and general or specific lender credit increases of ($X.XX) were applied to the total fee variance of ($XXX.XX) between the baseline disclosure and the last Closing Disclosure. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. Lender Credits were increased in Revised XX dated with XX/XX/XXXX, There is no XXX in File to cure the tolerance. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX

Open- - XXX XXXXXXXX XXXXXX-XX/XX/XXXX

Open- - XXX XXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-Resolved - XXX XXXXXXXX XXXXXX-XX/XX/XXXX

XXXX

Primary Residence

Purchase

XXXX

N/A

XXXX

305089774

Closed

2026-04-30 13:14

2026-05-20 08:28

Resolved

1 - Information

Credit

Eligibility

Fraud Report Shows Uncleared Alerts

Resolved-Sam.gov, HUD searches provided indicate appraiser is not on exclusionary or ofac list. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_
Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-XX/XX/XXXX _xXXXX_
Ready for Review-docs - Due Diligence Vendor-XX/XX/XXXX _xXXXX_
Counter-Provide the results showing all listed parties to the transaction or the ones with alerts have been vetted and cleared. The documentation provided does not clearly indicate the applicable parties have been cleared. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_
Ready for Review-Please see attached documents - Due Diligence Vendor-XX/XX/XXXX _xXXXX_
Counter-The document does not appear to be formatted in a manner to determine the alerts have all been cleared. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_
Ready for Review-There was a high alert because the lender inputted N/A as the appraisal company. Upon reviewing the appraisal, the appraiser is the appraisal company. The appraiser XXXXXXX XXXXXX is not on the exclusionary. See attached. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_
Counter-The document is not attached. Provide the documentation for review. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_
Ready for Review-There was a high alert because the lender inputted N/A as the appraisal company. Upon reviewing the appraisal, the appraiser is the appraisal company. The appraiser XXXXXXX XXXXXX is not on the exclusionary. See attached. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_
Open-Fraud Report Shows Uncleared Alerts The fraud report on page XXX has OFAC & GSA-EPLS fails. - Due Diligence Vendor-XX/XX/XXXX

_xXXXX_

XXXX

Investment

Refinance

Cash Out - Other

XXXX

N/A

XXXX

305089774

Closed

2026-04-24 08:59

2026-05-04 04:51

Resolved

1 - Information

Compliance

Missing Doc

The Deed of Trust is Missing

Resolved-Requested DOT with updated loan amount provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_
Resolved-The Deed of Trust is Present - Due Diligence Vendor-XX/XX/XXXX _xXXXX_
Ready for Review-DOT - Due Diligence Vendor-XX/XX/XXXX _xXXXX_
Open-The Deed of Trust is Missing Loan amount on DOT is incorrect. - Due Diligence Vendor-XX/XX/XXXX

_xXXXX_

XXXX

Investment

Refinance

Cash Out - Other

XXXX

N/A

XXXX

305077672

Closed

2026-04-27 06:43

2026-05-04 03:40

Resolved

1 - Information

Credit

Missing Doc

Business Purpose Affidavit is Missing

Resolved-Requested final business purpose affidavit disclosure provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_
Resolved-The Business Purpose Affidavit is present or Not Applicable (XXXX Page Loan Type is XXXX.) - Due Diligence Vendor-XX/XX/XXXX _xXXXX_
Ready for Review-Business - Due Diligence Vendor-XX/XX/XXXX _xXXXX_
Open-The XXXX Page Loan Type is 'XXXX' but the Business Purpose Affidavit Disclosure Indicator on the XXXX is 'Present', and on the Business Purpose VX Page is 'Missing'. Business Purpose Affidavit is required for a XXXX loan. Provide final Business Purpose Affidavit. - Due Diligence Vendor-XX/XX/XXXX

_xXXXX_

XXXX

Investment

Purchase

XXXX

N/A

XXXX

305082362

Closed

2026-04-27 08:25

2026-05-01 08:47

Resolved

1 - Information

Credit

Eligibility

Fraud Report Shows Uncleared Alerts

Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-XX/XX/XXXX _xXXXX_
Ready for Review-Document Uploaded. Alerts are addressed on the Fraud report - Seller-XX/XX/XXXX _xXXXX_
Open-Fraud Report Shows Uncleared Alerts - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Alerts are addressed on the Fraud report - Seller-XX/XX/XXXX_xXXXX_

Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-XX/XX/XXXX_xXXXX_

XXXX

Investment

Purchase

XXXX

N/A

XXXX

305082362

Closed

2026-04-27 08:16

2026-05-01 08:45

Resolved

1 - Information

Credit

Missing Doc

Business Purpose Affidavit is Missing

Resolved-The Business Purpose Affidavit is present or Not Applicable (XXXX Page Loan Type is XXXXXXXXXXXX.) - Due Diligence Vendor-XX/XX/XXXX _xXXXX_
Ready for Review-Document Uploaded. BPA uploaded for review - Seller-XX/XX/XXXX _xXXXX_
Ready for Review-Not a XXXX loan. Is this still required? - Seller-XX/XX/XXXX _xXXXX_
Open-The XXXX Page Loan Type is 'XXXXXXXXXXXX' but the Business Purpose Affidavit Disclosure Indicator on the XXXX is 'Missing', and on the Business Purpose VX Page is 'Missing'. Business Purpose Affidavit is required for a XXXX loan. Missing Business Purpose Affidavit - Business assets used to to purchase subject - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. BPA uploaded for review - Seller-XX/XX/XXXX _xXXXX_
Ready for Review-Not a XXXX loan. Is this still required? - Seller-XX/XX/XXXX_xXXXX_

Resolved-The Business Purpose Affidavit is present or Not Applicable (XXXX Page Loan Type is XXXXXXXXXXXX.) - Due Diligence Vendor-XX/XX/XXXX_xXXXX_

XXXX

Investment

Purchase

XXXX

N/A

XXXX

305082362

Closed

2026-04-27 02:29

2026-05-01 04:56

Resolved

1 - Information

Compliance

Missing Doc

The Final 1003 is Missing

Resolved-Final XXXX document provided. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_
Ready for Review-Document Uploaded. Final XXXX uploaded for review - Buyer-XX/XX/XXXX _xXXXX_
Open-The Final XXXX is Missing in the file - Due Diligence Vendor-XX/XX/XXXX

_xXXXX_

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

XXXX

Investment

Purchase

XXXX

N/A

XXXX

305082362

Closed

2026-04-27 02:20

2026-04-30 23:43

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 3rd Party VOE Prior to Close Missing

Resolved-Requested Xrd party VOE provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_
Resolved-Borrower X Xrd Party VOE Prior to Close Was Provided - Due Diligence Vendor-XX/XX/XXXX _xXXXX_
Ready for Review-Document Uploaded. SE VOE uploaded for review. - Buyer-XX/XX/XXXX _xXXXX_
Open-Borrower X Xrd Party VOE Prior to Close Missing VOE is missing in the file ( Missing SunBiz printout with in XX days of the NOTE date ) - Due Diligence Vendor-XX/XX/XXXX

_xXXXX_

XXXX

Investment

Purchase

XXXX

N/A

XXXX

305082362

Closed

2026-04-27 00:16

2026-04-30 23:42

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 Gap Credit Report is Missing

Resolved-Requested gap credit report provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_
Resolved-Borrower X Gap Credit Report is not missing. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_
Ready for Review-Document Uploaded. Credit Refresh uploaded for review. - Buyer-XX/XX/XXXX _xXXXX_
Open-Borrower X Gap Credit Report is Missing - Due Diligence Vendor-XX/XX/XXXX

_xXXXX_

XXXX

Investment

Purchase

XXXX

N/A

XXXX

305079271

Closed

2026-04-30 18:32

2026-05-07 09:08

Resolved

1 - Information

Credit

Missing Doc

1008 Document is Missing

Resolved-The XXXX document is present in the loan file. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_
Ready for Review-XXXX attached - Due Diligence Vendor-XX/XX/XXXX _xXXXX_
Open-The XXXX document is missing from the loan file. HCLTV is showing as X%. Please provide a correct XXXX. - Due Diligence Vendor-XX/XX/XXXX

_xXXXX_

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

XXXX

Investment

Purchase

XXXX

N/A

XXXX

305079271

Closed

2026-04-27 05:02

2026-05-07 09:06

Resolved

1 - Information

Credit

Missing Doc

Hazard Insurance Policy is Partial

Resolved-Hazard Insurance Policy Partially Provided Insurance agents provided an email regarding coverage. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_
Ready for Review-RCE email from Ins. Agent - Due Diligence Vendor-XX/XX/XXXX _xXXXX_
Open-Hazard Insurance Policy Partially Provided Hazard Insurance Coverage Amount of $XXX,XXX is Less than Loan Amount of $XXX,XXX. - Due Diligence Vendor-XX/XX/XXXX

_xXXXX_

Resolved-Hazard Insurance Policy Partially Provided Insurance agents provided an email regarding coverage. - Due Diligence Vendor-XX/XX/XXXX_xXXXX_

XXXX

Investment

Purchase

XXXX

N/A

XXXX

305082580

Closed

2026-04-27 00:39

2026-05-07 09:15

Acknowledged

2 - Non-Material

Compliance

State Reg

NJ Prepayment Penalty Prohibited

XXXXXXXXXXXX-XXXXXX acknowledges - XXX XXXXXXXXX XXXX-XX/XX/XXXX _xXXXXX_
XXXXX XXX XXXXXX-XX’XX acknowledging this finding.  Please downgrade it to an EVX as credit/underwriting.  Thank you!
  - XXXXX-XX/XX/XXXX _xXXXXX_
XXXX-Per outside counsel guidance, XXX prepayment penalties are only allowed for loans signed by a Corporation. - XXX XXXXXXXXX XXXX-XX/XX/XXXX _xXXXXX_
XXXX-Per outside counsel guidance, XXX prepayment penalties are only allowed for loans signed by a Corporation.  Per outside counsel guidance, XXX prepayment penalties are only allowed for loans signed by a Corporation. - XXX XXXXXXXXX XXXX-XX/XX/XXXX

_xXXXXX_

XXXXXXXXXXXX-XXXXXX acknowledges - XXX XXXXXXXXX XXXX-XX/XX/XXXX_xXXXXX_

XXXX

Investment

Refinance

Cash Out - Other

XXXX

Originator Post-Close

XXXX

305095099

Closed

2026-04-28 07:22

2026-05-04 08:16

Resolved

1 - Information

Compliance

HigherPriced:APR

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

XXXXXXXX-X - XXX XXXXXXXXX XXXX-XX/XX/XXXX _xXXXXX_
XXXXXXXX-The loan's (X.XXX%) APR equals or exceeds the Federal XXXX threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX XXX X.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. ( XX XXX § X.XX(a)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX XXX §X.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met.
XXXX Header Disclosure XXXX was entered correctly
All disclosures, XXX's, Fees, and dates are entered correctly.
Rate lock date was entered correctly.
Borrower is Escrowing, escrow disclosures and loan information is on Xx#’sXXX.
Final Closing disclosure on Xx#’XXX
Rate lock doc on pg-XXX.
An interior and exterior appraisal was completed for this property on pg-XX.
A copy of the appraisal was given to the borrower on pgs-XXX.
confirmation the appraisal was delivered to the borrower – see Xx#’s XXX.
The loan meets XXXX XXXXXXXXXX, resolved.
- XXX XXXXXXXXX XXXX-XX/XX/XXXX _xXXXXX_
XXXX- - XXX XXXXXXXXX XXXX-XX/XX/XXXX _xXXXXX_
XXXX- - XXX XXXXXXXXX XXXX-XX/XX/XXXX

_xXXXXX_

XXXX

Primary Residence

Purchase

XXXX

N/A

XXXX

305095099

Closed

2026-04-28 07:22

2026-05-04 08:16

Resolved

1 - Information

Compliance

HigherPriced:APR

California - Higher Priced Mortgage Loan (First Lien 06/2013)(Conforming)

XXXXXXXX-X - XXX XXXXXXXXX XXXX-XX/XX/XXXX _xXXXXX_
XXXXXXXX-This is a XXXXXXXXXX Higher-Priced Mortgage Loan (XXXX). The loan's APR of (X.XXX%) equals or exceeds the XXXXXXXXXX XXXX threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (X.XX%).(Cal. Fin. Code XXXX(a); XX XXX X.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. ( XX XXX § X.XX(a)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX XXX §X.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met.
XXXX Header Disclosure XXXX was entered correctly
All disclosures, XXX's, Fees, and dates are entered correctly.
Rate lock date was entered correctly.
Borrower is Escrowing, escrow disclosures and loan information is on Xx#’sXXX.
Final Closing disclosure on Xx#’XXX
Rate lock doc on pg-XXX.
An interior and exterior appraisal was completed for this property on pg-XX.
A copy of the appraisal was given to the borrower on pgs-XXX.
confirmation the appraisal was delivered to the borrower – see Xx#’s XXX.
The loan meets XXXX XXXXXXXXXX, resolved.
- XXX XXXXXXXXX XXXX-XX/XX/XXXX _xXXXXX_
XXXX- - XXX XXXXXXXXX XXXX-XX/XX/XXXX _xXXXXX_
XXXX- - XXX XXXXXXXXX XXXX-XX/XX/XXXX

_xXXXXX_

XXXX

Primary Residence

Purchase

XXXX

N/A

XXXX

305082328

Closed

2026-04-28 03:31

2026-05-04 04:44

Resolved

1 - Information

Credit

Assets

Asset 2 Does Not Meet Guideline Requirements

XXXXXXXX-Gift letter provided. XXXXXXXX - XXX XXXXXXXXX XXXX-XX/XX/XXXX _xXXXXX_
XXXXXXXX-Resolved, Gift letter support deposit of additional assets.  - XXX XXXXXXXXX XXXX-XX/XX/XXXX _xXXXXX_
XXXXX XXX XXXXXX-Document Uploaded.  - XXXXXX-XX/XX/XXXX _xXXXXX_
XXXX-Asset Record X Does Not Meet G/X Requirements Provide supporting document for gift letter, As per XX's we required wire transaction or Donors check proof of gift letter.  as per loan approval reflecting gift amount in two transactions ($XX,XXX+XXX,XXX) we don't have any supporting documents.  - XXX XXXXXXXXX XXXX-XX/XX/XXXX

XXXXX XXX XXXXXX-Document Uploaded. - XXXXXX-XX/XX/XXXX_xXXXXX_

XXXXXXXX-Gift letter provided. XXXXXXXX - XXX XXXXXXXXX XXXX-XX/XX/XXXX _xXXXXX_
XXXXXXXX-Resolved, Gift letter support deposit of additional assets. - XXX XXXXXXXXX XXXX-XX/XX/XXXX_xXXXXX_

XXXX

Primary Residence

Purchase

XXXX

N/A

XXXX

305082328

Closed

2026-04-28 19:12

2026-05-04 04:40

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 3rd Party VOE Prior to Close Missing

XXXXXXXX-Borrower X Xrd Party XXX Prior to Close Was Provided - XXX XXXXXXXXX XXXX-XX/XX/XXXX _xXXXXX_
XXXXX XXX XXXXXX-Document Uploaded. - XXXXX-XX/XX/XXXX _xXXXXX_
XXXX-Borrower X Xrd Party XXX Prior to Close Missing Provide XXX with in XX business days of closing date XX's required XXX with in XX business days of closing date. provided XXX is more than XX business days. - XXX XXXXXXXXX XXXX-XX/XX/XXXX

_xXXXXX_

XXXXXXXX-Borrower X Xrd Party XXX Prior to Close Was Provided - XXX XXXXXXXXX XXXX-XX/XX/XXXX_xXXXXX_

XXXX

Primary Residence

Purchase

XXXX

N/A

XXXX

305082328

Closed

2026-04-28 05:00

2026-05-04 04:37

Resolved

1 - Information

Property

Flip or Rapid Resale of Property

XXXXXXXX-Resolved, Supporting document from XX confirms not a fix and flip. - XXX XXXXXXXXX XXXX-XX/XX/XXXX _xXXXXX_
XXXXX XXX XXXXXX-Document Uploaded. See XXX from XX. This is NOT a flip - XXXXXX-XX/XX/XXXX _xXXXXX_
XXXX-The Appraisal in the service file report prior sale on XX/XX/XXXX which is within XX months of closing.
- XXX XXXXXXXXX XXXX-XX/XX/XXXX

XXXXX XXX XXXXXX-Document Uploaded. See XXX from XX. This is NOT a flip - XXXXXX-XX/XX/XXXX_xXXXXX_

XXXXXXXX-Resolved, Supporting document from XX confirms not a fix and flip. - XXX XXXXXXXXX XXXX-XX/XX/XXXX_xXXXXX_

XXXX

Primary Residence

Purchase

XXXX

N/A

XXXX

305082328

Closed

2026-04-29 00:11

2026-05-01 14:03

Waived

2 - Non-Material

Credit

Income/Employment

Income and Employment Do Not Meet Guidelines

XXXXXX-Formal exception in loan file. - XXX XXXXXXXXX XXXX-XX/XX/XXXX _xXXXXX_
Unable to Resolve-Unable to Resolve-XX agrees with this exception - XXXXXX-XX/XX/XXXX _xXXXXX_
XXXX-Income and Employment Do Not Meet XXXXXXXXXX Exception on Xg #XXX.
Manager Notes: Exception review - approved to allow personal bank statements with additional party
on the most recent bk stmts (XX validated all deposits are our borrowers). Comp factors: XX% XXX,
XXX under XX%,residual $XXXX (vs. $XXXX min). - XXX XXXXXXXXX XXXX-XX/XX/XXXX

Unable to Resolve-Unable to Resolve-XX agrees with this exception - XXXXXX-XX/XX/XXXX_xXXXXX_

XXXXXX-Formal exception in loan file. - XXX XXXXXXXXX XXXX-XX/XX/XXXX_xXXXXX_

XXXX

Primary Residence

Purchase

XXXX

Originator Pre-Close

Yes

XXXX

305082328

Closed

2026-04-28 04:32

2026-05-04 16:38

Resolved

1 - Information

Compliance

HigherPriced:APR

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

XXXX- - XXX XXXXXXXXX XXXX-XX/XX/XXXX _xXXXXX_
XXXXXXXX-The loan's (X.XXX%) APR equals or exceeds the Federal XXXX threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX XXX X.XX(a)(X)(i)) Resolved, XXXX Header Disclosure XXXX was entered correctly All disclosures, XXX’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Xx#’s XXX and the Final Closing disclosure on Xx#’s XXX reflects escrows. Rate lock date was entered correctly – see Xx#’s XXX. An interior and exterior appraisal was completed for this property – see pg XX, the appraisal disclosure was provided to the borrower(s)- see Xx#’s XXX, and copy of the appraisal was given to the borrower – see Xx#’s XXX for the copy of the disclosure. The loan meets XXXX guidelines
- XXX XXXXXXXXX XXXX-XX/XX/XXXX _xXXXXX_
XXXX- - XXX XXXXXXXXX XXXX-XX/XX/XXXX _xXXXXX_
XXXX- - XXX XXXXXXXXX XXXX-XX/XX/XXXX _xXXXXX_
XXXX- - XXX XXXXXXXXX XXXX-XX/XX/XXXX

_xXXXXX_

XXXX

Primary Residence

Purchase

XXXX

N/A

XXXX

305082310

Closed

2026-04-29 05:01

2026-05-01 06:25

Resolved

1 - Information

Credit

Eligibility

Audited Loan Amount is less than Guideline Minimum Loan Amount

XXXXXXXX-Requested rent receipts provided to support highest rent from lease which brings XXXX above X hence reduces minimum required loan amount to $XXX,XXX & our loan amount of $XXX,XXX is within the guidelines loan amount, updated & condition resolved. - XXX XXXXXXXXX XXXX-XX/XX/XXXX _xXXXXX_
XXXXXXXX-Audited Loan Amount of $XXXXXX is greater than or equal to the XXXXXXXXX Minimum Loan Amount of $XXXXXX - XXX XXXXXXXXX XXXX-XX/XX/XXXX _xXXXXX_
XXXXX XXX XXXXXX-Document Uploaded. XXXX over X.X proof of rent received - XXXXXX-XX/XX/XXXX _xXXXXX_
XXXX-Audited Loan Amount is less than XXXXXXXXX Minimum Loan Amount Audited Loan Amount $XXX,XXX is less than XXXXXXXXX Minimum Loan Amount $XXX,XXX - XXX XXXXXXXXX XXXX-XX/XX/XXXX

XXXXX XXX XXXXXX-Document Uploaded. XXXX over X.X proof of rent received - XXXXXX-XX/XX/XXXX_xXXXXX_

XXXX

Investment

Refinance

No Cash Out - Borrower Initiated

XXXX

N/A

XXXX

305082310

Closed

2026-04-29 05:01

2026-05-01 06:25

Resolved

1 - Information

Credit

Eligibility

Audited LTV Exceeds Guideline LTV

XXXXXXXX-Requested rent receipts provided to support highest rent from lease which brings XXXX above X hence XXX increased to XX% & our qualifying XXX of XX.XX% is within the guidelines XXX, updated & condition resolved. - XXX XXXXXXXXX XXXX-XX/XX/XXXX _xXXXXX_
XXXXXXXX-Audited XXX of XX.XX% is less than or equal to XXXXXXXXX XXX of XX% - XXX XXXXXXXXX XXXX-XX/XX/XXXX _xXXXXX_
XXXXX XXX XXXXXX-Document Uploaded. XXXX over X.X proof of rent received - XXXXXX-XX/XX/XXXX _xXXXXX_
XXXX-Audited XXX Exceeds XXXXXXXXX XXX As per guidelines audited XXX of XX.XX% Exceeds XXXXXXXXX XXX of XX%.
- XXX XXXXXXXXX XXXX-XX/XX/XXXX

XXXXX XXX XXXXXX-Document Uploaded. XXXX over X.X proof of rent received - XXXXXX-XX/XX/XXXX_xXXXXX_

XXXX

Investment

Refinance

No Cash Out - Borrower Initiated

XXXX

N/A

XXXX

305082310

Closed

2026-04-29 11:52

2026-05-01 06:22

Resolved

1 - Information

Credit

Insurance

Hazard Insurance Coverage Amount is less than Required Coverage Amount

Resolved-Hazard Insurance Coverage Amount of $XXXXXX is equal to or greater than Required Coverage Amount of $XXXXXX or Guaranteed Replacement Coverage is present (Guaranteed Replacement Coverage indicator is 'No') RCE provided, XX updated, finding resolved.  - Due Diligence Vendor-XX/XX/XXXX

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

Open-Hazard Insurance Coverage Amount of $XXXXXX is less than Required Coverage Amount of $XXXXXX and Guaranteed Replacement Coverage indicator is 'No' INS coverage in place is not sufficient  - Due Diligence Vendor-XX/XX/XXXX

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

XXXX

Investment

Refinance

No Cash Out - Borrower Initiated

XXXX

N/A

XXXX

305102640

Closed

2026-05-06 10:04

2026-05-07 06:44

Resolved

1 - Information

Property

Appraisal

Appraisal incomplete (missing map, layout, pages, etc.)

Resolved-received complete appraisal with pictures maps and layouts - Due Diligence Vendor-XX/XX/XXXX

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

Open-interior pictures and maps, layout pages missing - Due Diligence Vendor-XX/XX/XXXX

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

Resolved-received complete appraisal with pictures maps and layouts - Due Diligence Vendor-XX/XX/XXXX

XXXX

Primary Residence

Purchase

XXXX

N/A

XXXX

305069810

Closed

2026-05-04 04:48

2026-05-11 23:56

Resolved

1 - Information

Compliance

Missing Doc

TRID: Missing Closing Disclosure

Resolved-Requested Executed Final Cd Provided, Updated & Condition Resolved - Due Diligence Vendor-XX/XX/XXXX

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

Ready for Review-executed CD - Due Diligence Vendor-XX/XX/XXXX

Open-TRID: Missing Final Closing Disclosure Final closing disclosure provided in not executed by the borrower. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Requested Executed Final Cd Provided, Updated & Condition Resolved - Due Diligence Vendor-XX/XX/XXXX

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

XXXX

Primary Residence

Purchase

XXXX

N/A

XXXX

305092386

Closed

2026-05-04 15:54

2026-05-08 08:34

Resolved

1 - Information

Compliance

TRID

TRID: Estimated Taxes, Insurance, & Assessments

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

Ready for Review-Annual taxes calculated using tax rate of X.XXXXXXXX% X $XXX,XXX (purchase price) + direct assessments from each tax bill $XXX.XX + $XXX.XX (note there are X APN’s and therefore X tax bills). See Attached. - Due Diligence Vendor-XX/XX/XXXX

Open-The XXXX shows a monthly tax amount of $XXX.XX; however, the tax documents provided show a monthly amount of $XX.XX. This is creating a DTI discrepancy. Please confirm the monthly tax amount. - Due Diligence Vendor-XX/XX/XXXX

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

XXXX

Primary Residence

Purchase

XXXX

N/A

XXXX

305092386

Closed

2026-05-04 02:17

2026-05-08 08:25

Resolved

1 - Information

Credit

Eligibility

Ineligible Housing History per program guidelines

Resolved-Housing History Meets XXXXXXXXX Requirements - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-See the attached VOR - Due Diligence Vendor-XX/XX/XXXX

Open-Housing History Does Not Meet XXXXXXXXX Requirements Please provide the Lease or XX months of cancelled checks to validate. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Housing History Meets XXXXXXXXX Requirements - Due Diligence Vendor-XX/XX/XXXX

XXXX

Primary Residence

Purchase

XXXX

N/A

XXXX

305082963

Closed

2026-05-04 23:19

2026-05-13 01:42

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 3rd Party VOE Prior to Close Missing

Resolved-Borrower X Xrd Party VOE uploaded, Verified & entered in system - Resolved
- Due Diligence Vendor-XX/XX/XXXX

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

Ready for Review-Borrower is Self-Employed, Xrd pty verify business, lic and operating agreement - Due Diligence Vendor-XX/XX/XXXX

Open-Borrower X Xrd Party VOE Prior to Close Missing in file. - Due Diligence Vendor-XX/XX/XXXX

XXXX

Primary Residence

Purchase

XXXX

N/A

XXXX

305095341

Closed

2026-05-12 12:44

2026-05-18 06:06

Resolved

1 - Information

Credit

Missing Doc

Missing Lender Income Calculation Worksheet

Resolved-CPA letter where expense factor has been at XX% for the most recent year - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Please see LOE in file. - Seller-XX/XX/XXXX

Open-Based on the business narrative borrower has X employee's which requires expense factor of XX% rather than XX% - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Please see LOE in file. - Seller-XX/XX/XXXX

Resolved-CPA letter where expense factor has been at XX% for the most recent year - Due Diligence Vendor-XX/XX/XXXX

XXXX

Primary Residence

Refinance

Cash Out - Other

XXXX

N/A

XXXX

305095341

Closed

2026-05-06 09:47

2026-05-18 01:41

Resolved

1 - Information

Credit

Missing Doc

Third Party Fraud Report not Provided

Resolved-Third Party Fraud Report uploaded, Verified & entered in system - Resolved
- Due Diligence Vendor-XX/XX/XXXX

Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. LDP/GSA/SAM.GOV Report - Seller-XX/XX/XXXX

Open-Missing Third Party Fraud Report Fraud Report missing in the file - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. LDP/GSA/SAM.GOV Report - Seller-XX/XX/XXXX

Resolved-Third Party Fraud Report uploaded, Verified & entered in system - Resolved
- Due Diligence Vendor-XX/XX/XXXX

Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-XX/XX/XXXX

XXXX

Primary Residence

Refinance

Cash Out - Other

XXXX

N/A

XXXX

305095341

Closed

2026-05-06 03:44

2026-05-18 06:30

Resolved

1 - Information

Compliance

HigherPriced:APR

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

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

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

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

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

XXXX

Primary Residence

Refinance

Cash Out - Other

XXXX

N/A

XXXX

305100535

Closed

2026-05-07 05:54

2026-05-14 09:17

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 3rd Party VOE Prior to Close Missing

Resolved-Employment verifications received. - Due Diligence Vendor-XX/XX/XXXX

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

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

Open-Borrower X Xrd Party VOE Prior to Close Missing Provide Xrd Party VOE prior to loan closing for Borrower X. - Due Diligence Vendor-XX/XX/XXXX

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

Resolved-Employment verifications received. - Due Diligence Vendor-XX/XX/XXXX

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

XXXX

Primary Residence

Purchase

XXXX

N/A

XXXX

305100535

Closed

2026-05-07 05:54

2026-05-14 09:16

Resolved

1 - Information

Credit

Income/Employment

Borrower 2 Paystubs Less Than 1 Month Provided

Resolved-Requested XXXX provided which covers the requirement of X month paystubs, updated & condition resolved. - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX

Resolved-Borrower X Paystubs Less Than X Month Provided Condition Resolved or Not Applicable (Number of Borrowers equals X) - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. See attached - XXXXXX-XX/XX/XXXX

Open-Borrower X Paystubs Less Than X Month Provided Provide an additional paystub to complete X full month of paystub for Borrower X. - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. See attached - XXXXXX-XX/XX/XXXX

XXXX

Primary Residence

Purchase

XXXX

N/A

XXXX

305100535

Closed

2026-05-07 06:37

2026-05-14 08:37

Resolved

1 - Information

Credit

Missing Doc

Hazard Insurance Policy is Missing

Resolved-Hazard Insurance Policy is fully present - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. See attached - XXXXXX-XX/XX/XXXX

Counter-Please attach XXX policy. There aren't any documents attached. Thank you - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX

Ready for Review-See attached - XXXXXX-XX/XX/XXXX

Open-Missing Hazard Insurance Policy Missing Hazard Insurance policy. - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. See attached - XXXXXX-XX/XX/XXXX

Ready for Review-See attached - XXXXXX-XX/XX/XXXX

Resolved-Hazard Insurance Policy is fully present - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX

XXXX

Primary Residence

Purchase

XXXX

N/A

XXXX

305100524

Closed

2026-05-11 00:14

2026-05-14 15:09

Resolved

1 - Information

Credit

Missing Doc

Evidence of Property Tax Missing

Resolved-Evidence of Property Tax is present - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. Please see page X of title commitment which shows tax information - XXXXXX-XX/XX/XXXX

Open-Missing Evidence of Property Tax Provide document used to verify property taxes for the subject property in the amount of $XXX.XX. - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. Please see page X of title commitment which shows tax information - XXXXXX-XX/XX/XXXX

Resolved-Evidence of Property Tax is present - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX

XXXX

Investment

Refinance

Cash Out - Other

XXXX

N/A

XXXX

305100524

Closed

2026-05-08 02:24

2026-05-13 01:07

Resolved

1 - Information

Credit

Missing Doc

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

Resolved-Requested tax cert provided for other XXX, updated & condition resolved. - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. See attached - XXXXXX-XX/XX/XXXX

Open-Provide supporting documentation to verify taxes, insurance, and XXXX if it applies for property XXX XXXXXXXX XX. - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. See attached - XXXXXX-XX/XX/XXXX

Resolved-Requested tax cert provided for other XXX, updated & condition resolved. - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX

XXXX

Investment

Refinance

Cash Out - Other

XXXX

N/A

XXXX

305100524

Closed

2026-05-08 02:22

2026-05-13 01:04

Resolved

1 - Information

Credit

Missing Doc

Missing Business Narrative

Resolved-Requested business narrative provided, updated & condition resolved. - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. Incorrect Narrative was provided - please see the "correct" narratives attached.  - XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. See attached  - XXXXXX-XX/XX/XXXX

Open-Provide Business Narrative. Calculator in file states to see narrative from borrower but narrative is not provided. Narrative completed on income is acceptable to submit.  - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. Incorrect Narrative was provided - please see the "correct" narratives attached. - XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. See attached - XXXXXX-XX/XX/XXXX

Resolved-Requested business narrative provided, updated & condition resolved. - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX

XXXX

Investment

Refinance

Cash Out - Other

XXXX

N/A

XXXX

305100524

Closed

2026-05-08 02:20

2026-05-11 15:18

Waived

2 - Non-Material

Property

Property has been listed for sale in the past 6 months

Waived-Client elects to waive with the following compensating factors: - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX

XXXX

Investment

Refinance

Cash Out - Other

XXXX

Originator Pre-Close

Yes

XXXX

305100534

Closed

2026-05-08 05:52

2026-05-12 09:17

Waived

2 - Non-Material

Credit

Eligibility

Audited DTI Exceeds Guideline DTI

Waived-Audited XXX Exceeds XXXXXXXXX XXX Client elects to waive with the following compensating factors: - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX

XXXX

Primary Residence

Purchase

XXXX

Originator Pre-Close

Yes

XXXX

305100534

Closed

2026-05-12 09:11

2026-05-12 09:17

Waived

2 - Non-Material

Credit

Missing Doc

Evidence of Property Tax Missing

Waived-Exception provided on pXXXX to use current tax bill.: ) Use most recent tax bill for current residence listed for sale at XXXX XX XXth XX for estimated monthly taxes due. The property was completed in XXXX and the current property tax amount is based prior to the finished construction. Normally we would use the future estimated taxes and we are asking not to. This home is currently for sale. With no new tax bill due until November and sale of properly planned
before then, qualifying XXXX with only the most recent tax amount. - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX

XXXX

Primary Residence

Purchase

XXXX

Originator Pre-Close

Yes

XXXX

305100520

Closed

2026-05-08 04:22

2026-05-14 03:07

Resolved

1 - Information

Credit

Missing Doc

Missing Lender Income Calculation Worksheet

Resolved-Requested asset depletion income calculator provided, updated & condition resolved. - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX

Resolved-Validation Resolved' - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. See attached - XXXXXX-XX/XX/XXXX

Open-XXXX Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. Required Asset Depletion Calculator missing. - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. See attached - XXXXXX-XX/XX/XXXX

Resolved-Requested asset depletion income calculator provided, updated & condition resolved. - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX

Resolved-Validation Resolved' - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX

XXXX

Primary Residence

Refinance

Cash Out - Other

XXXX

N/A

XXXX

305100539

Closed

2026-05-12 08:21

2026-05-15 07:58

Waived

2 - Non-Material

Credit

Title

Satisfactory Chain of Title not Provided

Waived-Client elects to waive with the following compensating factors: - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX

Waived-Exception Approval provided in Findings X/XX/XX. Exception for primary borrower / wage earner (XXXX) not meeting X months seasoning for cash-out. Title currently vested in XXX XXXXXXXX XXX which is XXX% owned by spouse (co-borrower on loan). Primary borrower/wage earner does not have any ownership interest in XXX. Loan does meet X months seasoning with co-borrowers vesting as XXX owner on title - vesting is now being removed from XXX at
closing. - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. See attached - XXXXXX-XX/XX/XXXX

Open-Unsatisfactory Chain of Title provided Missing Exception Approval form for Borrower not meeting the X months seasoning on title. - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. See attached - XXXXXX-XX/XX/XXXX

XXXX

Investment

Refinance

Cash Out - Other

XXXX

Originator Pre-Close

Yes

XXXX

305100539

Closed

2026-05-07 02:05

2026-05-14 00:20

Resolved

1 - Information

Compliance

Missing Doc

Missing evidence of rate lock

Resolved-Requested evidence of rate lock document provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_
Ready for Review-Document Uploaded. see attached - Seller-XX/XX/XXXX _xXXXX_
Open-Provide Evidence of Rate Lock. Only received float agreement. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. see attached - Seller-XX/XX/XXXX_xXXXX_

Resolved-Requested evidence of rate lock document provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX_xXXXX_

XXXX

Investment

Refinance

Cash Out - Other

XXXX

N/A

XXXX

305100512

Closed

2026-05-08 02:00

2026-05-11 11:58

Waived

2 - Non-Material

Credit

Eligibility

Payment shock exceeds guideline

Waived-Client elects to waive with the following compensating factors: - Due Diligence Vendor-XX/XX/XXXX

_xXXXX_

Waived-Client elects to waive with the following compensating factors: - Due Diligence Vendor-XX/XX/XXXX_xXXXX_

XXXX

Primary Residence

Purchase

XXXX

Originator Pre-Close

Yes

XXXX

305100530

Closed

2026-05-07 21:41

2026-05-11 23:49

Resolved

1 - Information

Credit

Eligibility

Ineligible Housing History per program guidelines

Resolved-Requested XX months of rent receipts provided in findings, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_
Resolved-Housing History Meets XXXXXXXXX Requirements - Due Diligence Vendor-XX/XX/XXXX _xXXXX_
Ready for Review-Document Uploaded. Please see attached - Seller-XX/XX/XXXX _xXXXX_
Open-Housing History Does Not Meet XXXXXXXXX Requirements Borrower is currently renting. Provide XX month VOR - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Please see attached - Seller-XX/XX/XXXX_xXXXX_

XXXX

Investment

Refinance

Cash Out - Other

XXXX

N/A

XXXX

305100530

Closed

2026-05-07 22:35

2026-05-08 12:19

Waived

2 - Non-Material

Credit

Eligibility

Audited Loan Amount is less than Guideline Minimum Loan Amount

Waived-Audited Loan Amount of $XXXXX is less than the XXXXXXXXX Minimum Loan Amount of $XXXXXX Per GL minimum Loan amount is $XXX,XXX. Audited Loan amount is $XX,XXX, an Exception provided on page #XXX. Exception requested for Since file is now cash-out, at maximum LTV need to allow $XX,XXX loan size below the program minimum. - Due Diligence Vendor-XX/XX/XXXX

_xXXXX_

XXXX

Investment

Refinance

Cash Out - Other

XXXX

Originator Pre-Close

Yes

XXXX

305078730

Closed

2026-05-12 09:13

2026-05-14 07:20

Waived

2 - Non-Material

Credit

Eligibility

Audited LTV Exceeds Guideline LTV

Waived-Client elects to waive with the following compensating factors: - Due Diligence Vendor-XX/XX/XXXX _xXXXX_
Waived-Audited LTV Exceeds XXXXXXXXX LTV The qualified LTV is XX%; however, per the matrix for cash-out refinance loans, the maximum allowable LTV is XX%. Therefore, an exception has been provided on page #XXX. - Due Diligence Vendor-XX/XX/XXXX

_xXXXX_

XXXX

Investment

Refinance

Cash Out - Other

XXXX

Originator Pre-Close

Yes

XXXX

305078730

Closed

2026-05-08 00:32

2026-05-14 03:04

Resolved

1 - Information

Credit

Eligibility

Ineligible Housing History per program guidelines

Resolved-Requested XX months rent receipts provided in findings, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_
Resolved-Housing History Meets XXXXXXXXX Requirements - Due Diligence Vendor-XX/XX/XXXX _xXXXX_
Ready for Review-See attached - Seller-XX/XX/XXXX _xXXXX_
Open-Housing History Does Not Meet XXXXXXXXX Requirements The borrower is currently living in a rental property; Provide XX month VOR for primary residence - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-See attached - Seller-XX/XX/XXXX_xXXXX_

XXXX

Investment

Refinance

Cash Out - Other

XXXX

N/A

XXXX

305094807

Closed

2026-05-08 00:55

2026-05-26 06:21

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 3rd Party VOE Prior to Close Missing

Resolved-Borrower X Xrd Party VOE Prior to Close Was Provided - Due Diligence Vendor-XX/XX/XXXX _xXXXX_
Ready for Review-vvoe - Due Diligence Vendor-XX/XX/XXXX _xXXXX_
Open-Borrower X Xrd Party VOE Prior to Close Missing. - Due Diligence Vendor-XX/XX/XXXX

_xXXXX_

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

XXXX

Investment

Purchase

XXXX

N/A

XXXX

305094807

Closed

2026-05-07 23:17

2026-05-18 23:51

Resolved

1 - Information

Credit

Missing Doc

1008 Document is Missing

Resolved-Updated XXXX provided. Resolved - Due Diligence Vendor-XX/XX/XXXX _xXXXX_
Ready for Review-XXXX - Due Diligence Vendor-XX/XX/XXXX _xXXXX_
Open-The XXXX document is missing from the loan file. - Due Diligence Vendor-XX/XX/XXXX

_xXXXX_

Resolved-Updated XXXX provided. Resolved - Due Diligence Vendor-XX/XX/XXXX_xXXXX_

XXXX

Investment

Purchase

XXXX

N/A

XXXX

305088707

Closed

2026-05-13 15:32

2026-05-18 08:03

Resolved

1 - Information

Compliance

HigherPriced:APR

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

Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(i)) Provide page #s for the appraisal disclosure, proof appraisal was provided to borrower and Rate lock date was entered correctly TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s XXX and the Final Closing disclosure on Pg#’s XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#’s finding. An interior and exterior appraisal was completed for this property – see pg XX, the appraisal disclosure was provided to the borrower(s)- see Pg # finding, and copy of the appraisal was given to the borrower – see Pg#’s findings for delivery confirmation of the appraisal. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_
Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_
Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(i)) Provide page #s for the appraisal disclosure, proof appraisal was provided to borrower and Rate lock date was entered correctly TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s XXX and the Final Closing disclosure on Pg#’s XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#’s finding. An interior and exterior appraisal was completed for this property – see pg XX, the appraisal disclosure was provided to the borrower(s)- see Pg # finding, and copy of the appraisal was given to the borrower – see Pg#’s findings for delivery confirmation of the appraisal. The loan meets HPML guidelines, resolved.
- Due Diligence Vendor-XX/XX/XXXX _xXXXX_
Ready for Review-Document Uploaded. loan estimate (that shows the rate lock as well) and receipt of appraisal - Seller-XX/XX/XXXX _xXXXX_
Open-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(i)) Provide page #s for the appraisal disclosure, proof appraisal was provided to borrower and Rate lock date was entered correctly

TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s XXX and the Final Closing disclosure on Pg#’s XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#’s ??. An interior and exterior appraisal was completed for this property – see pg XX, the appraisal disclosure was provided to the borrower(s)- see Pg#’s ??, and copy of the appraisal was given to the borrower – see Pg#’s ?? for delivery confirmation of the appraisal. The loan meets HPML guidelines - Due Diligence Vendor-XX/XX/XXXX _xXXXX_
Open- - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. loan estimate (that shows the rate lock as well) and receipt of appraisal - Seller-XX/XX/XXXX_xXXXX_

XXXX

Primary Residence

Purchase

XXXX

N/A

XXXX

305088707

Closed

2026-05-07 07:29

2026-05-15 10:44

Resolved

1 - Information

Compliance

Disclosure

Missing Intent to Proceed

Resolved- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_
Counter-Provide the full Intent To Proceed - Due Diligence Vendor-XX/XX/XXXX _xXXXX_
Ready for Review-Document Uploaded. intent to proceed - Seller-XX/XX/XXXX _xXXXX_
Open-Missing Signed Intent to Proceed Disclosure. Required on Primary Residence and Second Homes. Intend to Proceed missing in the file - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. intent to proceed - Seller-XX/XX/XXXX_xXXXX_

_xXXXX_

XXXX

Primary Residence

Purchase

XXXX

N/A

XXXX

305088707

Closed

2026-05-07 07:28

2026-05-15 10:39

Resolved

1 - Information

Compliance

Missing Doc

Consumer Caution and Home Owner Counseling Notice is Missing

Resolved-Attached document shows the list of homeowner counseling - resolved - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Homeowner counseling list - Seller-XX/XX/XXXX

Open-Home owner counselling missing in the file - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Homeowner counseling list - Seller-XX/XX/XXXX

Resolved-Attached document shows the list of homeowner counseling - resolved - Due Diligence Vendor-XX/XX/XXXX

XXXX

Primary Residence

Purchase

XXXX

N/A

XXXX

305088707

Closed

2026-05-07 05:59

2026-05-15 10:35

Resolved

1 - Information

Credit

Missing Doc

Third Party Fraud Report not Provided

Resolved-Attached fraud report shows the alerts were addressed and cleared - Due Diligence Vendor-XX/XX/XXXX

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

Counter-Provide the fraud report with no alerts - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Xrd party fraud - Seller-XX/XX/XXXX

Open-Missing Third Party Fraud Report Fraud report missing in the file - Due Diligence Vendor-XX/XX/XXXX

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

Ready for Review-Document Uploaded. Xrd party fraud - Seller-XX/XX/XXXX

Resolved-Attached fraud report shows the alerts were addressed and cleared - Due Diligence Vendor-XX/XX/XXXX

XXXX

Primary Residence

Purchase

XXXX

N/A

XXXX

305088707

Closed

2026-05-07 07:27

2026-05-14 16:15

Resolved

1 - Information

Compliance

Missing Doc

TRID: Missing Loan Estimate

Resolved-Attached is the LE for the current file, updated - resolved - Due Diligence Vendor-XX/XX/XXXX

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

Open-Initial and Revised loan Estimate missing in the file - Due Diligence Vendor-XX/XX/XXXX

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

Resolved-Attached is the LE for the current file, updated - resolved - Due Diligence Vendor-XX/XX/XXXX

XXXX

Primary Residence

Purchase

XXXX

N/A

XXXX

305088741

Closed

2026-05-08 00:54

2026-05-22 05:08

Resolved

1 - Information

Credit

Eligibility

Ineligible Housing History per program guidelines

Resolved-VOR for prior property uploaded, Housing History Meets XXXXXXXXX Requirements, Verified - Resolved  - Due Diligence Vendor-XX/XX/XXXX

Resolved-Housing History Meets XXXXXXXXX Requirements - Due Diligence Vendor-XX/XX/XXXX

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

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

Open-Housing History Does Not Meet XXXXXXXXX Requirements Housing history only verified for X months, require VOR of previous address to verify the XX months history. - Due Diligence Vendor-XX/XX/XXXX

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

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

XXXX

Primary Residence

Purchase

XXXX

N/A

XXXX

305088741

Closed

2026-05-07 23:46

2026-05-19 22:41

Resolved

1 - Information

Credit

Missing Doc

Missing Lender Income Calculation Worksheet

Resolved-Lender Income Calculation Worksheet uploaded, Verified & entered in system - Resolved
- Due Diligence Vendor-XX/XX/XXXX

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

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

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

Open-XXXX XXXXXXXXX Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. Lender considered only XX months XXXXXXXXX statements and as per our calculation considered the lower income of XX months bank statements as per LOX #XXX with X different accounts.
- Due Diligence Vendor-XX/XX/XXXX

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

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

Resolved-Lender Income Calculation Worksheet uploaded, Verified & entered in system - Resolved
- Due Diligence Vendor-XX/XX/XXXX

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

XXXX

Primary Residence

Purchase

XXXX

N/A

XXXX

305088741

Closed

2026-05-08 00:37

2026-05-14 11:33

Resolved

1 - Information

Compliance

HigherPriced:APR

Maryland - Higher Priced Mortgage Loan (First Lien 06/2013)(Conforming)

Resolved-Under the Regulations adopted by the Maryland Commissioner of Financial Regulation, as applicable to Mortgage Lenders, this is a Higher-Priced Mortgage. The loan's APR of (X.XX%) equals or exceeds the Maryland Higher-Priced Mortgage threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (X.XX%). (COMAR XX.XX.XX.XX(B)(XX); XX CFR XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. ( XX CFR § XXXX.XX(a)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’sXXX and the Final Closing disclosure on Pg#’sXXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg# XXX, An interior and exterior appraisal was completed for this property – see pg XX, the appraisal disclosure was provided to the borrower(s)- see Pg#XXX’ in file and confirmation the appraisal was delivered to the borrower – see Pg#’sXXX The loan meets HPML guidelines, resolved. - Due Diligence Vendor-XX/XX/XXXX

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

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

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

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

XXXX

Primary Residence

Purchase

XXXX

N/A

XXXX

305088741

Closed

2026-05-08 00:37

2026-05-14 11:27

Resolved

1 - Information

Compliance

HigherPriced:APR

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

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

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

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

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

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

XXXX

Primary Residence

Purchase

XXXX

N/A

XXXX

305095086

Closed

2026-05-08 01:04

2026-05-20 09:42

Resolved

1 - Information

Compliance

HigherPriced:APR

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

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

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

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

Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.X%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.X%).(XX CFR XXXX.XX(a)(X)(i)) - Due Diligence Vendor-XX/XX/XXXX

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

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

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

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

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

Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.X%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.X%).(XX CFR XXXX.XX(a)(X)(i)) - Due Diligence Vendor-XX/XX/XXXX

XXXX

Primary Residence

Purchase

XXXX

N/A

XXXX

305082574

Closed

2026-05-10 23:41

2026-05-13 12:09

Waived

2 - Non-Material

Credit

Eligibility

Audited Loan Amount is less than Guideline Minimum Loan Amount

Open-Audited Loan Amount of $XXXXX is less than the Guideline Minimum Loan Amount of $XXXXXX Audited Loan Amount is less than Guideline Minimum Loan Amount
Exception review - approved to allow loan amount of $XX,XXX (vs. min of $XXXK).
Comp factors: seasoned investor, XX+ mos reserves after closing.
Underwriting Exception History page no XXX. - Due Diligence Vendor-XX/XX/XXXX

XXXX

Investment

Refinance

Cash Out - Other

XXXX

Originator Pre-Close

Yes

XXXX

305088852

Closed

2026-05-18 11:16

2026-05-18 12:03

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 Lease Agreements Missing

Resolved-Borrower X Lease Agreements Provided - Due Diligence Vendor-XX/XX/XXXX

Open-Provide a copy of executed lease agreement for subject property. Lender used $X,XXX per month for rental income. however, the appraisal indicates the rental unit is vacant - Due Diligence Vendor-XX/XX/XXXX

Resolved-Borrower X Lease Agreements Provided - Due Diligence Vendor-XX/XX/XXXX

XXXX

Primary Residence

Refinance

Cash Out - Other

XXXX

N/A

XXXX

305094582

Closed

2026-05-13 00:44

2026-05-20 08:33

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 3rd Party VOE Prior to Close Missing

Resolved-Borrower X Xrd Party VOE Prior to Close Was Provided - Due Diligence XXXXXX-XX/XX/XXXX _xXXXXD_
Resolved- - Due Diligence XXXXXX-XX/XX/XXXX _xXXXXD_
Ready for Review-VOE - Due Diligence XXXXXX-XX/XX/XXXX _xXXXXD_
Open-Borrower X Xrd Party VOE Prior to Close Missing Provide VOE within XX Business Days. - Due Diligence XXXXXX-XX/XX/XXXX

_xXXXXD_

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

XXXX

Investment

Purchase

XXXX

N/A

XXXX

305088989

Closed

2026-05-14 01:03

2026-05-21 15:15

Resolved

1 - Information

Compliance

HigherPriced:APR

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

Resolved- - Due Diligence XXXXXX-XX/XX/XXXX _xXXXXD_
Open- - Due Diligence XXXXXX-XX/XX/XXXX _xXXXXD_
Resolved-Condition was left unresolved in error - resolved - Due Diligence XXXXXX-XX/XX/XXXX _xXXXXD_
Ready for Review-Please advise what is needed here. - XXXXXX-XX/XX/XXXX _xXXXXD_
Open-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. ( XX CFR § XXXX.XX(a)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s XXX-XXX and the Final Closing disclosure on Pg#’s XXX-XXX reflects escrows. Rate lock date was entered correctly – see Pg#’s XXX, XXX An interior and exterior appraisal was completed for this property – see pg XX-XX the appraisal disclosure was provided to the borrower(s)- see Pg#’s XX-XX, and copy of the appraisal was given to the borrower – see Pg#’s XXX for the copy of the disclosure. The loan meets XXXX guidelines, resolved. - Due Diligence XXXXXX-XX/XX/XXXX _xXXXXD_
Open- - Due Diligence XXXXXX-XX/XX/XXXX _xXXXXD_
Open- - Due Diligence XXXXXX-XX/XX/XXXX

Ready for Review-Please advise what is needed here. - XXXXXX-XX/XX/XXXX_xXXXXD_

Resolved- - Due Diligence XXXXXX-XX/XX/XXXX _xXXXXD_
Resolved-Condition was left unresolved in error - resolved - Due Diligence XXXXXX-XX/XX/XXXX_xXXXXD_

XXXX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

XXXX

N/A

XXXX

305088989

Closed

2026-05-14 05:33

2026-05-19 16:38

Resolved

1 - Information

Credit

Assets

Asset 2 Does Not Meet Guideline Requirements

Resolved-Updated XXXX shows no gift and accurate assets - resolved - Due Diligence XXXXXX-XX/XX/XXXX _xXXXXD_
Resolved-Asset Record X Meets G/L Requirements Or Not Applicable - Due Diligence XXXXXX-XX/XX/XXXX _xXXXXD_
Ready for Review-Document Uploaded. Hi, there is no Gift. - XXXXXX-XX/XX/XXXX _xXXXXD_
Open-Asset Record X Does Not Meet G/L Requirements As per XXXX Final There is a Gift of $XX,XXX Borrower Getting from Relative but Proof of Wire Transfer & Gift Letter Not Provided in File. - Due Diligence XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. Hi, there is no Gift. - XXXXXX-XX/XX/XXXX_xXXXXD_

XXXX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

XXXX

N/A

XXXX

305088989

Closed

2026-05-14 01:03

2026-05-21 15:15

Resolved

1 - Information

Compliance

HigherPriced:APR

California - Higher Priced Mortgage Loan (First Lien 06/2013)(Conforming)

Resolved- - Due Diligence XXXXXX-XX/XX/XXXX _xXXXXD_
Open- - Due Diligence XXXXXX-XX/XX/XXXX _xXXXXD_
Resolved-This is a XXXXXXXXXX Higher-Priced Mortgage Loan (XXXX). The loan's APR of (X.XXX%) equals or exceeds the XXXXXXXXXX XXXX threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (X.XX%).(Cal. Fin. Code XXXX(a); XX CFR XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. ( XX CFR § XXXX.XX(a)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s XXX-XXX and the Final Closing disclosure on Pg#’s XXX-XXX reflects escrows. Rate lock date was entered correctly – see Pg#’s XXX, XXX An interior and exterior appraisal was completed for this property – see pg XX-XX the appraisal disclosure was provided to the borrower(s)- see Pg#’s XXX, and copy of the appraisal was given to the borrower – see Pg#’s XXX for the copy of the disclosure. The loan meets XXXX guidelines - Due Diligence XXXXXX-XX/XX/XXXX _xXXXXD_
Open- - Due Diligence XXXXXX-XX/XX/XXXX _xXXXXD_
Open- - Due Diligence XXXXXX-XX/XX/XXXX

_xXXXXD_

Resolved- - Due Diligence XXXXXX-XX/XX/XXXX _xXXXXD_
Resolved-This is a XXXXXXXXXX Higher-Priced Mortgage Loan (XXXX). The loan's APR of (X.XXX%) equals or exceeds the XXXXXXXXXX XXXX threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (X.XX%).(Cal. Fin. Code XXXX(a); XX CFR XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. ( XX CFR § XXXX.XX(a)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s XXX-XXX and the Final Closing disclosure on Pg#’s XXX-XXX reflects escrows. Rate lock date was entered correctly – see Pg#’s XXX, XXX An interior and exterior appraisal was completed for this property – see pg XX-XX the appraisal disclosure was provided to the borrower(s)- see Pg#’s XXX, and copy of the appraisal was given to the borrower – see Pg#’s XXX for the copy of the disclosure. The loan meets XXXX guidelines - Due Diligence XXXXXX-XX/XX/XXXX_xXXXXD_

XXXX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

XXXX

N/A

XXXX

305100618

Closed

2026-05-13 23:16

2026-06-01 07:52

Resolved

1 - Information

Compliance

TRID

Federal - Loan Estimate Mailed/Delivered Within Three Business Days of Application

Resolved-application and LE sent on the same date - Due Diligence XXXXXX-XX/XX/XXXX _xXXXXD_
Resolved- - Due Diligence XXXXXX-XX/XX/XXXX _xXXXXD_
Ready for Review-Please see the attached . - Due Diligence XXXXXX-XX/XX/XXXX _xXXXXD_
Open- - Due Diligence XXXXXX-XX/XX/XXXX _xXXXXD_
Open-The Initial Loan Estimate Disclosure Date (XXXX-XX-XX) is more than X business days from the Application Date (XXXX-XX-XX). Three business days from the Application Date is (XXXX-XX-XX). Under Regulation Z, a Loan Estimate must be delivered or placed in the mail not later than the third business day after receiving a consumer's application. (XX CFR XXXX.XX(e)(X)(iii)) The Initial Loan Estimate Disclosure Date (XXXX-XX-XX) is more than X business days from the Application Date (XXXX-XX-XX). Three business days from the Application Date is (XXXX-XX-XX). - Due Diligence XXXXXX-XX/XX/XXXX _xXXXXD_
Open- - Due Diligence XXXXXX-XX/XX/XXXX _xXXXXD_
Open- - Due Diligence XXXXXX-XX/XX/XXXX _xXXXXD_
Open- - Due Diligence XXXXXX-XX/XX/XXXX _xXXXXD_
Open- - Due Diligence XXXXXX-XX/XX/XXXX

_xXXXXD_

Resolved-application and LE sent on the same date - Due Diligence XXXXXX-XX/XX/XXXX_xXXXXD_

XXXX

Primary Residence

Purchase

XXXX

N/A

XXXX

305100618

Closed

2026-05-13 21:50

2026-06-01 07:41

Resolved

1 - Information

Credit

Eligibility

Ineligible Housing History per program guidelines

Resolved-Housing History Meets XXXXXXXXX Requirements - Due Diligence XXXXXX-XX/XX/XXXX _xXXXXD_
Ready for Review-Per the Credit Underwriter on this file: There is a copy of the lease for her current rental payment in addition to a XXXXXX statement showing Zelle rental payments for the most recent XX months. This transaction is a purchase of a primary residence, and the borrower will not be staying at her current address where she rents. See the attached VOR docs to substantiate the housing history . Please advise if the housing history is not acceptable and please send the associated guideline to provide to the Credit Underwriter - Due Diligence XXXXXX-XX/XX/XXXX _xXXXXD_
Open-Housing History Does Not Meet XXXXXXXXX Requirements Borrower staying in current address as rent and no proof provided to verify. Provide VOR. - Due Diligence XXXXXX-XX/XX/XXXX

_xXXXXD_

Resolved-Housing History Meets XXXXXXXXX Requirements - Due Diligence XXXXXX-XX/XX/XXXX_xXXXXD_

XXXX

Primary Residence

Purchase

XXXX

N/A

XXXX

305088112

Closed

2026-05-15 04:18

2026-05-22 01:31

Resolved

1 - Information

Compliance

Missing Doc

Other Rider is Missing

Resolved-Requested XX Acknowledgement of Borrower Rights document provided, updated & condition resolved. - Due Diligence XXXXXX-XX/XX/XXXX _xXXXXD_
Ready for Review-XX Borrowers Acknowledgement of Rights attached - Due Diligence XXXXXX-XX/XX/XXXX _xXXXXD_
Open-XX Acknowledgement of Borrower Rights - is missing in file - Due Diligence XXXXXX-XX/XX/XXXX

_xXXXXD_

Resolved-Requested XX Acknowledgement of Borrower Rights document provided, updated & condition resolved. - Due Diligence XXXXXX-XX/XX/XXXX_xXXXXD_

XXXX

Primary Residence

Purchase

XXXX

N/A

XXXX

305088112

Closed

2026-05-15 03:10

2026-05-21 23:12

Resolved

1 - Information

Credit

Missing Doc

Hazard Insurance Policy is Partial

Resolved-Updated Hazard Insurance Policy with policy number uploaded, Verified & entered in system - Resolved
- Due Diligence XXXXXX-XX/XX/XXXX _xXXXXD_
Resolved-Hazard Insurance Policy is fully present - Due Diligence XXXXXX-XX/XX/XXXX _xXXXXD_
Ready for Review-Hazard w policy # attached - Due Diligence XXXXXX-XX/XX/XXXX _xXXXXD_
Open-Hazard Insurance Policy Partially Provided The policy number is missing from the provided document. - Due Diligence XXXXXX-XX/XX/XXXX

_xXXXXD_

XXXX

Primary Residence

Purchase

XXXX

N/A

XXXX

305119477

Closed

2026-05-15 00:19

2026-05-20 21:18

Resolved

1 - Information

Credit

Missing Doc

1008 Document is Missing

Resolved-Requested XXXX document provided, updated & condition resolved. - Due Diligence XXXXXX-XX/XX/XXXX _xXXXXD_
Resolved-The XXXX document is present in the loan file. - Due Diligence XXXXXX-XX/XX/XXXX _xXXXXD_
Ready for Review-XXXX - Due Diligence XXXXXX-XX/XX/XXXX _xXXXXD_
Open-The XXXX document is missing from the loan file. - Due Diligence XXXXXX-XX/XX/XXXX

_xXXXXD_

XXXX

Investment

Purchase

XXXX

N/A

XXXX

305128337

Closed

2026-05-27 05:52

2026-05-28 10:32

Resolved

1 - Information

Credit

Borrower

Citizenship Does Not Meet Guideline Requirements

Resolved-Attached document is the corrected XXXX showing correct citizenship - resolved - Due Diligence XXXXXX-XX/XX/XXXX _xXXXXD_
Ready for Review-Document Uploaded. XXXX corrected - XXXXXX-XX/XX/XXXX _xXXXXD_
Open-XXXX states borrower is a permanent resident alien, ID is Employment Authorization card.
Permanent resident alien card or updated XXXX required - Due Diligence XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. XXXX corrected - XXXXXX-XX/XX/XXXX_xXXXXD_

Resolved-Attached document is the corrected XXXX showing correct citizenship - resolved - Due Diligence XXXXXX-XX/XX/XXXX_xXXXXD_

XXXX

Primary Residence

Purchase

XXXX

N/A

XXXX

305128337

Closed

2026-05-21 10:11

2026-05-26 07:43

Resolved

1 - Information

Credit

Missing Doc

1008 Document is Missing

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

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

Open-The XXXX document is missing from the loan file. Provide updated XXXX showing the correct tax amount on page XXX for both XXXX and county taxes - Due Diligence Vendor-XX/XX/XXXX

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

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

XXXX

Primary Residence

Purchase

XXXX

N/A

XXXX

305128337

Closed

2026-05-17 23:36

2026-05-26 01:34

Resolved

1 - Information

Credit

Eligibility

Ineligible Housing History per program guidelines

Resolved-VOR uploaded, Housing History Meets XXXXXXXXX Requirements, Verified - Resolved - Due Diligence Vendor-XX/XX/XXXX

Resolved-Housing History Meets XXXXXXXXX Requirements - Due Diligence Vendor-XX/XX/XXXX

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

Open-Housing History Does Not Meet XXXXXXXXX Requirements Unable to verify Primary Mortgage or Current Rent History, Borrower provided Lox on Primary address and no proof on Rent payment, Lox page no XXX. Provide VOR for XXXX XXXX XX - Due Diligence Vendor-XX/XX/XXXX

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

XXXX

Primary Residence

Purchase

XXXX

N/A

XXXX

305128337

Closed

2026-05-19 04:03

2026-05-26 01:34

Resolved

1 - Information

Credit

Missing Doc

Missing Lender Income Calculation Worksheet

Resolved-Lender Income Calculation Worksheet uploaded, Verified & entered in system - Resolved
- Due Diligence Vendor-XX/XX/XXXX

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

Ready for Review-Document Uploaded. Please try this and zoom in to see clearly. - Seller-XX/XX/XXXX

Open-XXXX Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. The provided income sheet is not clear and readable - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Please try this and zoom in to see clearly. - Seller-XX/XX/XXXX

Resolved-Lender Income Calculation Worksheet uploaded, Verified & entered in system - Resolved
- Due Diligence Vendor-XX/XX/XXXX

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

XXXX

Primary Residence

Purchase

XXXX

N/A

XXXX

305128337

Closed

2026-05-18 01:16

2026-05-28 10:23

Resolved

1 - Information

Compliance

HigherPriced:APR

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

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

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

Resolved-TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s XXX and the Final Closing disclosure on Pg#’s XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#’s XXX, XXX. An interior and exterior appraisal was completed for this property – see pg XX, the appraisal disclosure was provided to the borrower(s)- see Pg#’s XXX ,XXX and copy of the appraisal was given to the borrower – see Pg#’s XXX for delivery confirmation of the appraisal. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-XX/XX/XXXX

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

Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan - Due Diligence Vendor-XX/XX/XXXX

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

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

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

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

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

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

Resolved-TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s XXX and the Final Closing disclosure on Pg#’s XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#’s XXX, XXX. An interior and exterior appraisal was completed for this property – see pg XX, the appraisal disclosure was provided to the borrower(s)- see Pg#’s XXX ,XXX and copy of the appraisal was given to the borrower – see Pg#’s XXX for delivery confirmation of the appraisal. The loan meets HPML guidelines, resolved.  - Due Diligence Vendor-XX/XX/XXXX

Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan - Due Diligence Vendor-XX/XX/XXXX

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

XXXX

Primary Residence

Purchase

XXXX

N/A

XXXX

305087763

Closed

2026-05-21 09:24

2026-05-26 07:18

Resolved

1 - Information

Compliance

HigherPriced:APR

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

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

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

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

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

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

XXXX

Primary Residence

Purchase

XXXX

N/A

XXXX

305104193

Closed

2026-05-27 03:38

2026-05-31 21:47

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 Citizenship Identification Documentation Missing

Resolved-Requested ID provided (Visa) provided, updated & Condition Resolved - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Visa - Due Diligence Vendor-XX/XX/XXXX

Open-Borrower X Non-US Citizen Identification Document Missing. Please provide acceptable documentation. Provide Valid Visa or Passport Missing in File - Due Diligence Vendor-XX/XX/XXXX

Resolved-Requested ID provided (Visa) provided, updated & Condition Resolved - Due Diligence Vendor-XX/XX/XXXX

XXXX

Primary Residence

Purchase

XXXX

N/A

XXXX

305104193

Closed

2026-05-27 01:44

2026-05-31 21:44

Resolved

1 - Information

Credit

Assets

Asset 4 Does Not Meet Guideline Requirements

Resolved-Requested Proof of Wire for Gift amount provided, updated & Condition Resolved - Due Diligence Vendor-XX/XX/XXXX

Resolved-Asset X Meets XXXXXXXXX Requirements Or Not Applicable - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Wire Confirmation - Due Diligence Vendor-XX/XX/XXXX

Open-Asset X Does Not Meet XXXXXXXXX Requirements Provide Wired Proof or Check to verify Gift Amount of $XX,XXX. - Due Diligence Vendor-XX/XX/XXXX

XXXX

Primary Residence

Purchase

XXXX

N/A

XXXX

305104193

Closed

2026-05-27 02:33

2026-05-28 14:10

Resolved

1 - Information

Compliance

HigherPriced:APR

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

Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.X%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.X%).(XX CFR XXXX.XX(a)(X)(i)) The loan meets HPML Guidelines and is a Compliant HPML loan.
- Due Diligence Vendor-XX/XX/XXXX

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

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

XXXX

Primary Residence

Purchase

XXXX

N/A