Exhibit 99.39

 

Loan ID Redaction ID Investor Loan ID Overall Initial Loan Grade Overall Final Loan Grade Credit Initial Loan Grade Credit Current/Final Loan Grade Compliance Initial Loan Grade Compliance Current/Final Loan Grade Property Initial Loan Grade Property Current/Final Loan Grade Queue Finding Code Date Created Date Modified Finding Status Event Level Initial Finding Grade Current/Final Finding Grade Finding Category Finding Sub Category Finding Name Finding Comments Seller Comments Resolution Comments Reviewer Comp Factor Originator Comp Factors Finding Documents Originator QM Status Final Reviewed QM Status Loan Amount Property State Occupancy Loan Purpose Refinance Purpose Acknowledged / WaivedBy Waiver in File? Unique Finding ID
XXXX 710 XXXX D A D A A A A A Closed FCRE7497 2025-12-04 09:44 2025-12-15 11:10 Resolved 1 - Information D A Credit Missing Doc Missing verification of taxes, insurance, and/or HOA fees for non-subject property Resolved-Received PITIA - Due Diligence Vendor-12/15/2025
Ready for Review-Document Uploaded. Uploaded Final CD, Note, proof no HOA, updated 1003 & updated 1008 - Seller-12/12/2025
Open-Provide copies of the Final CD and the Note from the purchase of the new primary residence to support the PITI payment of $5,358.88/mo.  Additional conditions may apply. - Due Diligence Vendor-12/04/2025		 Ready for Review-Document Uploaded. Uploaded Final CD, Note, proof no HOA, updated 1003 & updated 1008 - Seller-12/12/2025

 Resolved-Received PITIA - Due Diligence Vendor-12/15/2025

 CLTV is less than guidelines maximum - Required is 75 Borrower has 55.52

Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 742

Qualifying DTI below maximum allowed - Required is 50 Borrower has 14.94		 XXXX ATR/QM: Exempt ATR/QM: Exempt XXXX XX Investment Refinance Cash Out - Other N/A N/A 6482367
XXXX 709 XXXX A A A A A A A A A A QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) XXXX XX Primary Residence Refinance Cash Out - Other
XXXX 41 XXXX C B C A B B A A Closed FCOM1353 2025-12-22 15:43 2026-03-13 15:09 Waived 2 - Non-Material B B Compliance Disclosure Incorrect ROR Form Type selected Waived-The Incorrect ROR Form Type is selected in light of the Same Creditor or Lender Affiliate Refinance (The Right to Cancel Form Model is 'H8 (New Creditor)' and the  Same Creditor or Lender Affiliate Refinance selection is 'Yes'). ----- ROR Form H8 is acceptable in place of H9 form. Finding is deemed non-material. Originator waiver applied to non-material Findings.
 - Due Diligence Vendor-12/22/2025

Waived-The Incorrect ROR Form Type is selected in light of the Same Creditor or Lender Affiliate Refinance (The Right to Cancel Form Model is 'H8 (New Creditor)' and the  Same Creditor or Lender Affiliate Refinance selection is 'Yes'). ----- ROR Form H8 is acceptable in place of H9 form. Finding is deemed non-material. Originator waiver applied to non-material Findings.
 - Due Diligence Vendor-12/22/2025

 Long term residence - Borrowers have owned the subject property since XXXX
LTV is less than guideline maximum - 27.82% LTV is below max of 75%		 Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors XXXX XX Primary Residence Refinance Cash Out - Other Originator Post-Close No 6745444
XXXX 41 XXXX C B C A B B A A Closed FCRE1155 2025-12-30 07:34 2026-01-12 08:51 Resolved 1 - Information C A Credit Insurance Subject Property Address on Note does not match Insured Property Address Resolved-Insurance policy reflects both units are insured. - Due Diligence Vendor-01/12/2026
Ready for Review-Document Uploaded. That was how the insurance agent processed the request as we needed to ensure that both units we covered.  - Seller-01/09/2026
Open-Subject Property on Note does not match Insured Property Address Provide documentation to support that the hazard insurance policy covers both units.  The declarations page and RCE only reference unit XX.  Additional conditions may apply. - Due Diligence Vendor-12/30/2025		 Ready for Review-Document Uploaded. That was how the insurance agent processed the request as we needed to ensure that both units we covered.  - Seller-01/09/2026

 Resolved-Insurance policy reflects both units are insured. - Due Diligence Vendor-01/12/2026

 Long term residence - Borrowers have owned the subject property since XXXX
LTV is less than guideline maximum - 27.82% LTV is below max of 75%		 XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors XXXX XX Primary Residence Refinance Cash Out - Other N/A N/A 6848952
XXXX 41 XXXX C B C A B B A A Closed FCRE1254 2025-12-30 07:11 2026-01-08 12:15 Resolved 1 - Information C A Credit Title Property Title Issue Resolved-Received revised commitment with the correct OPB. - Due Diligence Vendor-01/08/2026
Ready for Review-Document Uploaded. Updated title uploaded - Seller-01/07/2026
Open-Property Title Issue Provide an updated title report to correct Schedule B Item 10 to reflect that the first mortgage loan amount is XXXX and recorded on XXXX. - Due Diligence Vendor-12/30/2025		 Ready for Review-Document Uploaded. Updated title uploaded - Seller-01/07/2026

 Resolved-Received revised commitment with the correct OPB. - Due Diligence Vendor-01/08/2026

 Long term residence - Borrowers have owned the subject property since XXXX
LTV is less than guideline maximum - 27.82% LTV is below max of 75%		 XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors XXXX XX Primary Residence Refinance Cash Out - Other N/A N/A 6848762
XXXX 41 XXXX C B C A B B A A Closed FCRE1108 2025-12-22 15:23 2026-01-05 09:36 Resolved 1 - Information C A Credit Closing Calculated Initial Payment and Initial Principal and Interest Payment do not match Resolved-Calculated Initial P&I Payment Amount matches Initial Payment Amount or is within $0.01 variance. - Due Diligence Vendor-01/05/2026

Open-Calculated Initial P&I Payment Amount does not match Initial P&I Payment Amount (Variance exceeds $0.01) Calculated P/I is $3,652.57 & Note Monthly P/I is $3,694.48. Simple Interest Rider present.  - Due Diligence Vendor-12/22/2025

Resolved-Calculated Initial P&I Payment Amount matches Initial Payment Amount or is within $0.01 variance. - Due Diligence Vendor-01/05/2026

 Long term residence - Borrowers have owned the subject property since XXXX
LTV is less than guideline maximum - 27.82% LTV is below max of 75%		 Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors XXXX XX Primary Residence Refinance Cash Out - Other N/A N/A 6745121
XXXX 103 XXXX A A A A A A A A A A QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) XXXX XX Primary Residence Refinance Cash Out - Other
XXXX 306 XXXX D A D A A A A A Closed FCRE1193 2026-02-03 12:44 2026-02-10 09:03 Resolved 1 - Information C A Credit Eligibility Audited DTI Exceeds Guideline DTI Resolved-Included Rental Income for Subject Property.  Audited DTI of 34.47% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-02/10/2026
Ready for Review-Please be advised that Our subject is a 3 unit , we can use the rental income it's on every bank statement and we have all the lease agreements.   - Buyer-02/09/2026
Counter-Received worksheet, 1008 and 1003.  Worksheet reflects qualifying income $21,160.98 (as reviewer).  1008 and 1003 reflect $33,199.28 which is the Excluded Deposit.  Finding remains.  - Due Diligence Vendor-02/05/2026
Ready for Review-Document Uploaded. As per our documents total  obligations $12484.98 / total income $33199, so the DTI is %37.6. Please see attached 1008, 1003 and the income worksheet , kindly review and advise where did the 51% come from. - Buyer-02/04/2026
Open-Audited DTI of 50.11% exceeds Guideline DTI of 50%  Income is significantly lower than what lender determination was, even though total deposit and excluded deposits match lender exactly. Appears Lender used amount of excluded deposits as income figure instead of qualifying income figure. Ensured income worksheet reflected 100% ownership at 20% expense factor, per CTEC. - Due Diligence Vendor-02/03/2026

Resolved-Included Rental Income for Subject Property.  Audited DTI of 34.47% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-02/10/2026

 Qualifying DTI below maximum allowed - Required is 50 Borrower has 34.47

CLTV is less than guidelines maximum - Required is 80 Borrower has 66.22

Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 735		 XXXX ATR/QM: Exempt ATR/QM: Exempt XXXX XX Investment Refinance Cash Out - Other N/A N/A 7422102
XXXX 306 XXXX D A D A A A A A Closed FCRE5782 2026-02-03 12:35 2026-02-05 18:03 Resolved 1 - Information D A Credit Missing Doc Borrower 1 Gap Credit Report is Missing Resolved-Received credit refresh.   - Due Diligence Vendor-02/05/2026

Ready for Review-Document Uploaded. Please see attached - Buyer-02/04/2026

Open-Borrower 1 Gap Credit Report is Missing Gap Credit is missing and Fraud Report reflects Monitoring not started. - Due Diligence Vendor-02/03/2026

Resolved-Received credit refresh.   - Due Diligence Vendor-02/05/2026

 Qualifying DTI below maximum allowed - Required is 50 Borrower has 34.47

CLTV is less than guidelines maximum - Required is 80 Borrower has 66.22

Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 735		 XXXX ATR/QM: Exempt ATR/QM: Exempt XXXX XX Investment Refinance Cash Out - Other N/A N/A 7421948
XXXX 301 XXXX C A C A B A A A Closed FCOM5135 2026-02-06 17:03 2026-07-08 15:52 Resolved 1 - Information B A Compliance Missing Doc Missing Required Affiliated Business Disclosure Resolved-Rec'd email XXXX does not have an affiliation. - Due Diligence Vendor-03/25/2026

Resolved-Rec'd email XXXX does not have an affiliation. - Due Diligence Vendor-03/25/2026
 Qualifying FICO score is at least 20 points above minimum for program - Score is 800 and minimum allowed is 680 Required is 680 Borrower has 800

Qualifying DTI below maximum allowed - DTI is 43.27% and max allowed is 50% Required is 50 Borrower has 43.27

CLTV is less than guidelines maximum -  Required is 80 Borrower has 74.8		 Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors XXXX XX Primary Residence Refinance Cash Out - Other N/A N/A 7500105
XXXX 301 XXXX C A C A B A A A Closed FCRE0110 2026-02-13 12:45 2026-02-17 13:39 Resolved 1 - Information C A Credit Eligibility Missing or incomplete documentation for Solar Panels Resolved-Payoff for solar lease provided and confirmed the lien was paid on the final HUD. - Due Diligence Vendor-02/17/2026

Ready for Review-Document Uploaded. We are paying off the Solar lien, please see attached payoff statement - Buyer-02/13/2026

Open-Missing or incomplete documentation for Solar Panels. Per Appraisal subject has solar leased. Missing copy of the solar agreement. Additional findings may apply. - Due Diligence Vendor-02/13/2026

Resolved-Payoff for solar lease provided and confirmed the lien was paid on the final HUD. - Due Diligence Vendor-02/17/2026

 Qualifying FICO score is at least 20 points above minimum for program - Score is 800 and minimum allowed is 680 Required is 680 Borrower has 800

Qualifying DTI below maximum allowed - DTI is 43.27% and max allowed is 50% Required is 50 Borrower has 43.27

CLTV is less than guidelines maximum -  Required is 80 Borrower has 74.8		 XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors XXXX XX Primary Residence Refinance Cash Out - Other N/A N/A 7612734
XXXX 303 XXXX A A A A A A A A A A ATR/QM: Exempt ATR/QM: Exempt XXXX XX Investment Refinance Cash Out - Other
XXXX 144 XXXX D A D A A A A A Closed FCRE1325 2026-02-18 16:35 2026-03-02 11:52 Resolved 1 - Information D A Credit Missing Doc Borrower 1 CPA Letter Missing Resolved-Received Employment/Income documentation. - Due Diligence Vendor-03/02/2026

Ready for Review-Document Uploaded. CPA letter attached  - Seller-02/27/2026

Open-Borrower 1 CPA Letter Missing CPA Letter Missing - Due Diligence Vendor-02/18/2026		 Ready for Review-Document Uploaded. CPA letter attached  - Seller-02/27/2026

 Resolved-Received Employment/Income documentation. - Due Diligence Vendor-03/02/2026

 CLTV is less than guidelines maximum - LTV = 58.81% - Max LTV = 75% Required is 75 Borrower has 58.81

Qualifying DTI below maximum allowed - DTI = 38.3% - Max DTI = 50% Required is 50 Borrower has 38.3		 XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors XXXX XX Primary Residence Refinance Cash Out - Other N/A N/A 7685546
XXXX 144 XXXX D A D A A A A A Closed FCRE1326 2026-02-18 16:35 2026-03-02 11:52 Resolved 1 - Information D A Credit Missing Doc Borrower 1 YTD Profit & Loss Missing Resolved-Received Employment/Income documentation. - Due Diligence Vendor-03/02/2026

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

Open-Borrower 1 YTD Profit & Loss Missing  1 YTD Profit & Loss Missing - Due Diligence Vendor-02/18/2026		 Ready for Review-Document Uploaded.  - Seller-02/27/2026

 Resolved-Received Employment/Income documentation. - Due Diligence Vendor-03/02/2026

 CLTV is less than guidelines maximum - LTV = 58.81% - Max LTV = 75% Required is 75 Borrower has 58.81

Qualifying DTI below maximum allowed - DTI = 38.3% - Max DTI = 50% Required is 50 Borrower has 38.3		 XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors XXXX XX Primary Residence Refinance Cash Out - Other N/A N/A 7685547
XXXX 144 XXXX D A D A A A A A Closed FCRE1437 2026-02-18 16:35 2026-03-02 11:52 Resolved 1 - Information C A Credit Income/Employment Income and Employment Do Not Meet Guidelines Resolved-Received Employment/Income documentation. - Due Diligence Vendor-03/02/2026

Ready for Review-Document Uploaded. P&L showing net of $237,498.95 = 19,791 / mo - Seller-02/27/2026

Open-Income and Employment Do Not Meet Guidelines Loan file is absent supporting documentation to support income of $19,791 stated on final loan application.  Additional findings may apply - Due Diligence Vendor-02/18/2026		 Ready for Review-Document Uploaded. P&L showing net of $237,498.95 = 19,791 / mo - Seller-02/27/2026

 Resolved-Received Employment/Income documentation. - Due Diligence Vendor-03/02/2026

 CLTV is less than guidelines maximum - LTV = 58.81% - Max LTV = 75% Required is 75 Borrower has 58.81

Qualifying DTI below maximum allowed - DTI = 38.3% - Max DTI = 50% Required is 50 Borrower has 38.3		 XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors XXXX XX Primary Residence Refinance Cash Out - Other N/A N/A 7685549
XXXX 302 XXXX A A A A A A A A A A Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors XXXX XX Primary Residence Refinance Cash Out - Other
XXXX 300 XXXX A A A A A A A A A A QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) XXXX XX Primary Residence Refinance Cash Out - Other
XXXX 121 XXXX A A A A A A A A A A Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors XXXX XX Primary Residence Refinance Cash Out - Other
XXXX 156 XXXX A A A A A A A A A A ATR/QM: Exempt ATR/QM: Exempt XXXX XX Investment Refinance Cash Out - Other
XXXX 285 XXXX D A D A C A A A Closed FCRE1206 2026-02-26 14:36 2026-03-11 17:08 Resolved 1 - Information C A Credit Eligibility All Interested Parties Not Checked with Exclusionary Lists Resolved-After further review, the non-borrowing spouse is not required to be added tot he fraud report or to be checked against the exclusionary lists.   - Due Diligence Vendor-03/11/2026
Counter-OFAC provided, please provide Fraud Report with non-borrowing spouse checked against the exclusionary list. - Due Diligence Vendor-03/10/2026
Ready for Review-Document Uploaded. please clear finding :) no reporting for XX - Seller-03/06/2026
Open-All Interested Parties Not Checked with Exclusionary Lists Non-borrowing spouse not reflected on loan participant analysis list.  - Due Diligence Vendor-02/26/2026		 Ready for Review-Document Uploaded. please clear finding :) no reporting for XX - Seller-03/06/2026
 Resolved-After further review, the non-borrowing spouse is not required to be added tot he fraud report or to be checked against the exclusionary lists.   - Due Diligence Vendor-03/11/2026

 CLTV is less than guidelines maximum - Required is 75 Borrower has 69.51

Qualifying DTI below maximum allowed - Required is 50 Borrower has 12.67

Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 685		 XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) XXXX XX Primary Residence Refinance Cash Out - Other N/A N/A 7828855
XXXX 285 XXXX D A D A C A A A Closed finding-4001 2026-03-03 08:25 2026-03-05 07:29 Resolved 1 - Information C A Compliance ComplianceEase TRID Disclosure Delivery Date Validation Test Resolved-Received disclosure tracking for CD XXXX and evidence of delivery.  Finding resolved. - Due Diligence Vendor-03/05/2026
Ready for Review-Document Uploaded. there was an error made on the CD, the issue date was not updated. the CD was not disclosed prior to the LE. uploaded is correct issue date on pg 1 of the CD, along with proof of the date disclosures have been generated. please clear finding. - Seller-03/04/2026
Open-This loan failed the TRID disclosure delivery date validation test.The loan contains one of the following conditions:A revised loan estimate delivery date is before the initial loan estimate.A revised closing disclosure is before the initial closing disclosure.A closing disclosure delivery date is on or before a loan estimate delivery date.A post-consummation revised closing disclosure delivery date is on or before a closing disclosure delivery date or loan estimate delivery date. - Due Diligence Vendor-03/03/2026		 Ready for Review-Document Uploaded. there was an error made on the CD, the issue date was not updated. the CD was not disclosed prior to the LE. uploaded is correct issue date on pg 1 of the CD, along with proof of the date disclosures have been generated. please clear finding. - Seller-03/04/2026

 Resolved-Received disclosure tracking for CD XXXX and evidence of delivery.  Finding resolved. - Due Diligence Vendor-03/05/2026
 CLTV is less than guidelines maximum - Required is 75 Borrower has 69.51

Qualifying DTI below maximum allowed - Required is 50 Borrower has 12.67

Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 685		 XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) XXXX XX Primary Residence Refinance Cash Out - Other N/A N/A 7893272
XXXX 285 XXXX D A D A C A A A Closed FCRE1325 2026-02-26 14:30 2026-03-03 11:56 Resolved 1 - Information D A Credit Missing Doc Borrower 1 CPA Letter Missing Resolved-Received Tax Preparer Letter. - Due Diligence Vendor-03/03/2026

Ready for Review-Document Uploaded. CPA Letter & Verification attached, please clear condition - Seller-02/28/2026

Open-Borrower 1 CPA Letter Missing CPA letter missing from file.  The file contains a VOE with CPA; however, guidelines do not indicate this is acceptable.  Guide: Borrower must document two years current continuous self-employment with business license or statement from corporate accountant/CPA confirming the same. Other documentation from third parties may be acceptable on a case by case basis (e.g., letter from an attorney).
 - Due Diligence Vendor-02/26/2026		 Ready for Review-Document Uploaded. CPA Letter & Verification attached, please clear condition - Seller-02/28/2026

 Resolved-Received Tax Preparer Letter. - Due Diligence Vendor-03/03/2026

 CLTV is less than guidelines maximum - Required is 75 Borrower has 69.51

Qualifying DTI below maximum allowed - Required is 50 Borrower has 12.67

Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 685		 XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) XXXX XX Primary Residence Refinance Cash Out - Other N/A N/A 7828696
XXXX 285 XXXX D A D A C A A A Closed FCRE0201 2026-02-26 14:16 2026-03-03 11:54 Resolved 1 - Information C A Credit Eligibility Senior Lien Doc Indicator Missing Resolved-Received Senior Lien Note/Modification agreement. - Due Diligence Vendor-03/03/2026

Ready for Review-Document Uploaded.  - Seller-02/28/2026

Open-Senior Lien note missing. - Due Diligence Vendor-02/26/2026		 Ready for Review-Document Uploaded.  - Seller-02/28/2026

 Resolved-Received Senior Lien Note/Modification agreement. - Due Diligence Vendor-03/03/2026

 CLTV is less than guidelines maximum - Required is 75 Borrower has 69.51

Qualifying DTI below maximum allowed - Required is 50 Borrower has 12.67

Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 685		 XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) XXXX XX Primary Residence Refinance Cash Out - Other N/A N/A 7828450
XXXX 285 XXXX D A D A C A A A Closed finding-3652 2026-02-24 16:53 2026-03-03 08:26 Resolved 1 - Information C A Compliance TRID Lender Credits That Cannot Decrease Test Resolved-Received COC XXXX.  Finding resolved. - Due Diligence Vendor-03/03/2026
Ready for Review-Document Uploaded. COC attached for appraisal fee correction - Seller-02/28/2026
Open-This loan failed the lender credits that cannot decrease test. ( 12 CFR §1026.19(e)(3)(i) )The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits ($0.00) does not exceed or equal the comparable sum of specific and non-specific lender credits ($15.00). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). ----- Lender credit decreased from $15 to $0 without a valid COC in file. Provide a COC for decrease OR evidence of refund to borrower or principal reduction in the amount of $15, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Reduction in Lender credits must be directly related to fees and must offset closing cost equally. Statute of Limitations 3 years- Expiration date is XXXX.
 - Due Diligence Vendor-02/24/2026		 Ready for Review-Document Uploaded. COC attached for appraisal fee correction - Seller-02/28/2026

 Resolved-Received COC XXXX.  Finding resolved. - Due Diligence Vendor-03/03/2026
 CLTV is less than guidelines maximum - Required is 75 Borrower has 69.51

Qualifying DTI below maximum allowed - Required is 50 Borrower has 12.67

Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 685		 XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) XXXX XX Primary Residence Refinance Cash Out - Other N/A N/A 7787209
XXXX 305 XXXX A A A A A A A A A A ATR/QM: Exempt ATR/QM: Exempt XXXX XX Investment Refinance Cash Out - Other
XXXX 307 XXXX B A A A B A A A Closed FCOM5135 2026-03-06 14:01 2026-07-08 15:53 Resolved 1 - Information B A Compliance Missing Doc Missing Required Affiliated Business Disclosure Resolved-Rec'd email XXXX does not have an affiliation. - Due Diligence Vendor-03/25/2026

Resolved-Rec'd email XXXX does not have an affiliation. - Due Diligence Vendor-03/25/2026
 CLTV is less than guidelines maximum - Required is 80 Borrower has 64.76 Required is 80 Borrower has 64.76

Qualifying DTI below maximum allowed - Required is 50 Borrower has 44.28 Required is 50 Borrower has 44.28		 QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) XXXX XX Primary Residence Refinance Cash Out - Other N/A N/A 7976879
XXXX 304 XXXX D A D A C A A A Closed FCRE1334 2026-03-13 11:30 2026-03-18 11:31 Resolved 1 - Information D A Credit Missing Doc Borrower 1 Executed 4506-T/4506-C is Missing Resolved-Received 4506C - Due Diligence Vendor-03/18/2026

Ready for Review-Document Uploaded. Please see attached - Buyer-03/17/2026

Open-Borrower 1 Executed 4506-T/4506-C is Missing A 4506-T/4506-C is required. - Due Diligence Vendor-03/16/2026

Resolved-Received 4506C - Due Diligence Vendor-03/18/2026

 CLTV is less than guidelines maximum - Required is 80 Borrower has 56.97

Qualifying DTI below maximum allowed - Required is 50 Borrower has 31.37

Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 684		 XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors XXXX XX Primary Residence Refinance Cash Out - Other N/A N/A 8097387
XXXX 304 XXXX D A D A C A A A Closed FCOM0013 2026-03-12 13:27 2026-03-18 11:16 Resolved 1 - Information C A Compliance Disclosure Missing e-Consent Resolved-Received eConsent, finding resolved. - Due Diligence Vendor-03/18/2026

Ready for Review-Document Uploaded.  - Buyer-03/17/2026

Ready for Review-all the disclosure is wet signed , nothing is missing . Please review and clear the condition - Buyer-03/17/2026

Open-Missing e-Consent.  Missing E-Consent in file. - Due Diligence Vendor-03/12/2026

Resolved-Received eConsent, finding resolved. - Due Diligence Vendor-03/18/2026

 CLTV is less than guidelines maximum - Required is 80 Borrower has 56.97

Qualifying DTI below maximum allowed - Required is 50 Borrower has 31.37

Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 684		 XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors XXXX XX Primary Residence Refinance Cash Out - Other N/A N/A 8076792
XXXX 552 XXXX C A A A C A A A Closed finding-3626 2026-03-16 09:19 2026-03-20 16:15 Resolved 1 - Information C A Compliance TRID TRID "Section C. Services You Can Shop For / Services Borrower Did Shop For" Validation Test Resolved-Received PCCD XXXX, XXXX is a different entity from the Lender. Finding Resolved. - Due Diligence Vendor-03/20/2026
Ready for Review-Document Uploaded. Please find attached revised PCCD.  - Seller-03/19/2026
Open-This loan failed the TRID "Section C. Services You Can Shop For / Services Borrower Did Shop For" validation test.This loan contains a fee or fees where "compensation to" is set to the lender or broker but this fee or fees should not be retained by the lender or broker."Section C. Services You Cannot Shop For / Services Borrower Did Not Shop For" should contain an itemization of each amount and a subtotal of all such amounts the consumer will pay for settlement services for which the consumer can shop in accordance with Regulation Z and that are provided by persons other than the creditor or mortgage broker. -----(Settlement/Closing, Tie In, Courier, Document Prep) in section C is payable to Lender/Broker however, fees paid to Lender or Broker must be in section A. If the fee is to remain in section C, it must state FBO (for the benefit of) to said Vendor. Provide a post close CD with correction within 60 days of discovery date. Statute of Limitations - 1 year, expiration date XXXX - Due Diligence Vendor-03/16/2026		 Ready for Review-Document Uploaded. Please find attached revised PCCD.  - Seller-03/19/2026

 Resolved-Received PCCD XXXX, XXXX is a different entity from the Lender. Finding Resolved. - Due Diligence Vendor-03/20/2026
 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 766 Required is 660 Borrower has 766

Qualifying DTI below maximum allowed - Required is 50 Borrower has 38.98

CLTV is less than guidelines maximum - Required is 90 Borrower has 54.63 Required is 90 Borrower has 54.63		 XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors XXXX XX Primary Residence Refinance Cash Out - Other N/A N/A 8124304
XXXX 552 XXXX C A A A C A A A Closed finding-3634 2026-03-16 09:12 2026-03-19 12:59 Resolved 1 - Information C A Compliance TRID Charges That Cannot Increase Test Resolved-Upon further review in testing no additional documentation is required. Finding resolved. - Due Diligence Vendor-03/19/2026
Ready for Review-Document Uploaded. Please see attached settlement service provider's list - borrower shopped for title and escrow services and per TRID, fees in this section (C) can increase. In reviewing section C fees from the initial LE, locked LE, initial CD up to the final CD - this section actually did go down.  - Buyer-03/18/2026
Open-This loan failed the charges that cannot increase test.  (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $1,125.00.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). -----Zero (0%) tolerance fees increased by $1,125 (Settlement/Closing, Tie In, Courier, Document Prep) without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $1,125, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations - 3 Year(s); Expiration Date: XXXX. - Due Diligence Vendor-03/16/2026

Resolved-Upon further review in testing no additional documentation is required. Finding resolved. - Due Diligence Vendor-03/19/2026

 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 766 Required is 660 Borrower has 766

Qualifying DTI below maximum allowed - Required is 50 Borrower has 38.98

CLTV is less than guidelines maximum - Required is 90 Borrower has 54.63 Required is 90 Borrower has 54.63		 XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors XXXX XX Primary Residence Refinance Cash Out - Other N/A N/A 8124205
XXXX 552 XXXX C A A A C A A A Closed FCOM0013 2026-03-16 07:55 2026-03-19 11:52 Resolved 1 - Information C A Compliance Disclosure Missing e-Consent Resolved-Upon further review, finding resolved.  - Due Diligence Vendor-03/19/2026

Ready for Review-E-consent is not required since borrower wet-signed the disclosures.  - Seller-03/18/2026

Open-Missing e-Consent.  Missing proof e-consent was received and agreed upon by borrower.  - Due Diligence Vendor-03/16/2026		 Ready for Review-E-consent is not required since borrower wet-signed the disclosures.  - Seller-03/18/2026

 Resolved-Upon further review, finding resolved.  - Due Diligence Vendor-03/19/2026

 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 766 Required is 660 Borrower has 766

Qualifying DTI below maximum allowed - Required is 50 Borrower has 38.98

CLTV is less than guidelines maximum - Required is 90 Borrower has 54.63 Required is 90 Borrower has 54.63		 Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors XXXX XX Primary Residence Refinance Cash Out - Other N/A N/A 8122389
XXXX 579 XXXX C A C A C A A A Closed FCRE1206 2026-03-18 13:47 2026-03-25 16:14 Resolved 1 - Information C A Credit Eligibility All Interested Parties Not Checked with Exclusionary Lists Resolved-Received XXXX clearance. - Due Diligence Vendor-03/25/2026
Ready for Review-Document Uploaded. here you go - Seller-03/23/2026
Counter-Client provided clear OFAC for non borrower spouse, missing LDP/EPLS - Due Diligence Vendor-03/23/2026
Ready for Review-Document Uploaded. Here you go - Seller-03/19/2026
Open-All Interested Parties Not Checked with Exclusionary Lists Non-borrowing spouse not checked with exclusionary lists.  - Due Diligence Vendor-03/18/2026		 Ready for Review-Document Uploaded. here you go - Seller-03/23/2026

 Ready for Review-Document Uploaded. Here you go - Seller-03/19/2026

 Resolved-Received SAM clearance. - Due Diligence Vendor-03/25/2026

 Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 781

Qualifying DTI below maximum allowed - Required is 50 Borrower has 42.32

CLTV is less than guidelines maximum - Required is 90 Borrower has 72.66		 XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) XXXX XX Primary Residence Refinance Cash Out - Other N/A N/A 8189940
XXXX 579 XXXX C A C A C A A A Closed finding-3652 2026-03-18 09:54 2026-03-23 10:12 Resolved 1 - Information C A Compliance TRID Lender Credits That Cannot Decrease Test Resolved-Received COC for decrease in lender credits. Finding resolved. - Due Diligence Vendor-03/23/2026
Ready for Review-Document Uploaded. Attach COC - Seller-03/19/2026
Open-This loan failed the lender credits that cannot decrease test. ( 12 CFR §1026.19(e)(3)(i) )The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits ($0.00) does not exceed or equal the comparable sum of specific and non-specific lender credits ($165.00). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). -----Lender credit decreased from $165 to $0.00 without a valid COC in file. Provide a COC for decrease OR evidence of refund to borrower or principal reduction in the amount of $165, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Reduction in Lender credits must be directly related to fees and must offset closing cost equally. Statute of Limitations 3 years- Expiration date is XXXX. NOTE: COC in file doesn't provide sufficient reason for the lender credit decrease. - Due Diligence Vendor-03/18/2026		 Ready for Review-Document Uploaded. Attach COC - Seller-03/19/2026

 Resolved-Received COC for decrease in lender credits. Finding resolved. - Due Diligence Vendor-03/23/2026

 Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 781

Qualifying DTI below maximum allowed - Required is 50 Borrower has 42.32

CLTV is less than guidelines maximum - Required is 90 Borrower has 72.66		 XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) XXXX XX Primary Residence Refinance Cash Out - Other N/A N/A 8182355
XXXX 579 XXXX C A C A C A A A Closed finding-3634 2026-03-18 10:37 2026-03-23 10:12 Resolved 1 - Information C A Compliance TRID Charges That Cannot Increase Test Resolved-Received COC for increase in discount points. Finding resolved. - Due Diligence Vendor-03/23/2026
Ready for Review-Document Uploaded. Uploaded the COC - Seller-03/19/2026
Open-This loan failed the charges that cannot increase test.  (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $1,710.00.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). -----Zero (0%) tolerance fees increased by $1710 Discount Points without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $1710, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations - 3 Year(s); Expiration Date: XXXX. NOTE: COC in file doesn't provide a sufficient reason for the discount points increase of $1710. - Due Diligence Vendor-03/18/2026		 Ready for Review-Document Uploaded. Uploaded the COC - Seller-03/19/2026

 Resolved-Received COC for increase in discount points. Finding resolved. - Due Diligence Vendor-03/23/2026

 Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 781

Qualifying DTI below maximum allowed - Required is 50 Borrower has 42.32

CLTV is less than guidelines maximum - Required is 90 Borrower has 72.66		 XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) XXXX XX Primary Residence Refinance Cash Out - Other N/A N/A 8183402
XXXX 569 XXXX D A D A A A A A Closed FCRE7497 2026-03-19 13:39 2026-03-24 15:49 Resolved 1 - Information D A Credit Missing Doc Missing verification of taxes, insurance, and/or HOA fees for non-subject property Resolved-Received PITIA validation of new primary residence.   - Due Diligence Vendor-03/24/2026

Ready for Review-Document Uploaded. Please see attached final CD, note, first payment letter for the PITI of primary residence; copy of the first page of the appraisal also attached to show there's no HOA fee.  - Buyer-03/23/2026

Open-It appears current primary residence was a new purchase, documents not provided to verify ownership and PITI or HOA - Due Diligence Vendor-03/19/2026

Resolved-Received PITIA validation of new primary residence.   - Due Diligence Vendor-03/24/2026

 Qualifying DTI below maximum allowed - Required is 50 Borrower has 22.44

Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 750

CLTV is less than guidelines maximum - Required is 80 Borrower has 64.97		 XXXX ATR/QM: Exempt ATR/QM: Exempt XXXX XX Investment Refinance Cash Out - Other N/A N/A 8218000
XXXX 569 XXXX D A D A A A A A Closed FCOM1352 2026-03-19 12:15 2026-03-24 15:45 Resolved 1 - Information D A Credit Missing Doc - Credit Business Purpose Affidavit/Disclosure Missing Resolved-Received business purpose and occupancy affidavit. - Due Diligence Vendor-03/24/2026

Ready for Review-Document Uploaded. Please see attached.  - Buyer-03/23/2026

Open-The Business Purpose Affidavit Disclosure is Missing Business Purpose & Occupancy Affidavit is required on all Investment Property transactions.
 - Due Diligence Vendor-03/20/2026

Resolved-Received business purpose and occupancy affidavit. - Due Diligence Vendor-03/24/2026

 Qualifying DTI below maximum allowed - Required is 50 Borrower has 22.44

Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 750

CLTV is less than guidelines maximum - Required is 80 Borrower has 64.97		 XXXX ATR/QM: Exempt ATR/QM: Exempt XXXX XX Investment Refinance Cash Out - Other N/A N/A 8214785
XXXX 544 XXXX D A A A D A A A Closed finding-3352 2026-03-20 14:01 2026-07-08 15:34 Resolved 1 - Information C A Compliance Points & Fees Higher-Priced Mortgage Loan Test Resolved-Loan is a second lien with full appraisal, meeting HPML compliance.
 - Due Diligence Vendor-07/08/2026

Open-This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )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 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met.
 - Due Diligence Vendor-07/08/2026

Resolved-Loan is a second lien with full appraisal, meeting HPML compliance.
 - Due Diligence Vendor-07/08/2026

 CLTV is less than guidelines maximum - Required is 80 Borrower has 75

Qualifying DTI below maximum allowed - Required is 50 Borrower has 41.83

Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 713		 Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors XXXX XX Primary Residence Refinance Cash Out - Other N/A N/A 8244764
XXXX 544 XXXX D A A A D A A A Closed FCOM1263 2026-03-20 11:15 2026-03-25 15:29 Resolved 1 - Information D A Compliance Missing Doc Right of Rescission is Partially Provided Resolved-Right of Rescission is Provided, 3 day recission period was observed. - Due Diligence Vendor-03/25/2026

Ready for Review-Document Uploaded. Please see attached complete form - Buyer-03/23/2026

Open-Right of Rescission is Partially Provided Missing ROR Cancel Date.  Provide evidence that rescission was re-opened for a full three days. - Due Diligence Vendor-03/20/2026

Resolved-Right of Rescission is Provided, 3 day recission period was observed. - Due Diligence Vendor-03/25/2026

 CLTV is less than guidelines maximum - Required is 80 Borrower has 75

Qualifying DTI below maximum allowed - Required is 50 Borrower has 41.83

Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 713		 XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors XXXX XX Primary Residence Refinance Cash Out - Other N/A N/A 8238409
XXXX 544 XXXX D A A A D A A A Closed FCOM0013 2026-03-20 11:15 2026-03-25 15:29 Resolved 1 - Information C A Compliance Disclosure Missing e-Consent Resolved-Received doc tracking with consent date of XXXX. Resolved. - Due Diligence Vendor-03/25/2026
Ready for Review-Document Uploaded. The E-consent will be found on the credit Package Page 56 and Page 61. PLEASE SEE ATTCAHED AS WELL - Buyer-03/24/2026
Open-Missing e-Consent.  Missing proof e-consent was received and agreed upon by borrower. Non-Curable Finding - Due Diligence Vendor-03/20/2026

Resolved-Received doc tracking with consent date of XXXX. Resolved. - Due Diligence Vendor-03/25/2026
 CLTV is less than guidelines maximum - Required is 80 Borrower has 75

Qualifying DTI below maximum allowed - Required is 50 Borrower has 41.83

Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 713		 XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors XXXX XX Primary Residence Refinance Cash Out - Other N/A N/A 8238410
XXXX 543 XXXX C A A A C A A A Closed finding-3352 2026-03-24 10:01 2026-07-08 15:44 Resolved 1 - Information C A Compliance Points & Fees Higher-Priced Mortgage Loan Test Resolved-Loan is a second lien with full appraisal, meeting HPML compliance.  - Due Diligence Vendor-07/08/2026

Open-This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )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 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met.  - Due Diligence Vendor-03/24/2026

Resolved-Loan is a second lien with full appraisal, meeting HPML compliance.  - Due Diligence Vendor-07/08/2026

 Qualifying DTI below maximum allowed - Required is 50 Borrower has 37.2

CLTV is less than guidelines maximum - Required is 80 Borrower has 69.45		 Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors XXXX XX Primary Residence Refinance Cash Out - Other N/A N/A 8287462
XXXX 535 XXXX A A A A A A A A A A Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors XXXX XX Primary Residence Refinance Cash Out - Other
XXXX 546 XXXX B B A A B B A A Closed FCOM5135 2026-03-25 13:28 2026-03-25 14:08 Waived 2 - Non-Material B B Compliance Missing Doc Missing Required Affiliated Business Disclosure Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material finding - Due Diligence Vendor-03/25/2026

Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material finding - Due Diligence Vendor-03/25/2026

 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 725

CLTV is less than guidelines maximum - Required is 90 Borrower has 38.08 Required is 90 Borrower has 38.08		 Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors XXXX XX Primary Residence Refinance Cash Out - Other Originator Post-Close No 8316536
XXXX 628 XXXX D A D A A A A A Closed FCRE1506 2026-04-02 17:48 2026-07-08 14:27 Resolved 1 - Information C A Credit QM-ATR Invalid Final QM Status - ATR/QM: Status Pending Resolved-The Final Reviewed QM Status is acceptable or the loan is a Business Purpose loan. - Due Diligence Vendor-04/13/2026

Ready for Review-Document Uploaded.  - Buyer-04/13/2026

Counter-Review did not receive upload.  Please re upload.   - Due Diligence Vendor-04/13/2026

Ready for Review-Document Uploaded. Please see attached revised 1003, 1008 and full PITI  - Buyer-04/09/2026

Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Missing PITIA documentation for REO 3b - Due Diligence Vendor-04/02/2026

Resolved-The Final Reviewed QM Status is acceptable or the loan is a Business Purpose loan. - Due Diligence Vendor-04/13/2026

 Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 745

CLTV is less than guidelines maximum - Required is 90 Borrower has 77.32

Qualifying DTI below maximum allowed - Required is 50 Borrower has 44		 XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) XXXX XX Primary Residence Refinance Cash Out - Other N/A N/A 8463519
XXXX 628 XXXX D A D A A A A A Closed FCRE7497 2026-04-08 22:25 2026-04-13 15:27 Resolved 1 - Information D A Credit Missing Doc Missing verification of taxes, insurance, and/or HOA fees for non-subject property Resolved-Updated 1008, 1003, insurance and taxes were provided. - Due Diligence Vendor-04/13/2026
Ready for Review-Document Uploaded. Please find attached.  - Buyer-04/13/2026
Counter-Review did not receive upload.  Please re upload.   - Due Diligence Vendor-04/13/2026
Ready for Review-Document Uploaded. Please see attached.  - Buyer-04/09/2026
Open-Final loan application reflects REO 3b was refinanced with XXXX concurrently with subject loan with a monthly PITI(A) payment of $5,934.75. Provide copy of settlement statement and documentation verifying P&I payment, RE taxes, hazard/wind insurance, applicable flood insurance, and applicable HOA dues. If PITI(A) payment does not match figure from final loan application, additional conditions may apply. - Due Diligence Vendor-04/09/2026

Resolved-Updated 1008, 1003, insurance and taxes were provided. - Due Diligence Vendor-04/13/2026

 Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 745

CLTV is less than guidelines maximum - Required is 90 Borrower has 77.32

Qualifying DTI below maximum allowed - Required is 50 Borrower has 44		 XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) XXXX XX Primary Residence Refinance Cash Out - Other N/A N/A 8564294
XXXX 626 XXXX A A A A A A A A A A QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) XXXX XX Primary Residence Refinance Cash Out - Other
XXXX 534 XXXX A A A A A A A A A A Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors XXXX XX Primary Residence Refinance Cash Out - Other
XXXX 533 XXXX C A A A C A A A Closed finding-3634 2026-04-02 19:37 2026-04-14 11:18 Resolved 1 - Information C A Compliance TRID Charges That Cannot Increase Test Resolved-Received corrected COC for increase in fees. Finding Resolved. - Due Diligence Vendor-04/14/2026
Ready for Review-Document Uploaded. Please find corrected COC was it was a typo.  - Seller-04/13/2026
Counter-Final CD dated XXXX, signed on XXXX, COC in file for discount points is dated XXXX, we are unable to use. Finding remains.  - Due Diligence Vendor-04/13/2026
Ready for Review-Document Uploaded. Please see attached revised CD and COC which were also in the credit pkg ( pages 47-52).  - Buyer-04/09/2026
Open-This loan failed the charges that cannot increase test.  (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $687.00.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). -----Zero (0%) tolerance fees increased by $687.00 (Discount Points) without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $687.00, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations - 3 Year(s); Expiration Date:XXXX.  Final CD dated XXXX, signed on XXXX, COC in file for discount points is dated XXXX, we are unable to use.
 - Due Diligence Vendor-04/02/2026		 Ready for Review-Document Uploaded. Please find corrected COC was it was a typo.  - Seller-04/13/2026

 Resolved-Received corrected COC for increase in fees. Finding Resolved. - Due Diligence Vendor-04/14/2026

 CLTV is less than guidelines maximum - Required is 90 Borrower has 66.18

Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 702		 XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors XXXX XX Primary Residence Refinance Cash Out - Other N/A N/A 8465692
XXXX 533 XXXX C A A A C A A A Closed FCOM0013 2026-04-03 13:15 2026-04-13 10:07 Resolved 1 - Information C A Compliance Disclosure Missing e-Consent Resolved-Upon further review, no additional docs are required. Finding resolved. - Due Diligence Vendor-04/13/2026

Ready for Review-E-consent is not required as all the pertinent disclosures were wet-signed by the borrower.  - Seller-04/09/2026

Open-Missing e-Consent.  Missing E-consent. - Due Diligence Vendor-04/03/2026		 Ready for Review-E-consent is not required as all the pertinent disclosures were wet-signed by the borrower.  - Seller-04/09/2026

 Resolved-Upon further review, no additional docs are required. Finding resolved. - Due Diligence Vendor-04/13/2026

 CLTV is less than guidelines maximum - Required is 90 Borrower has 66.18

Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 702		 Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors XXXX XX Primary Residence Refinance Cash Out - Other N/A N/A 8478833
XXXX 570 XXXX B B A A B B A A Closed FCOM5135 2026-04-08 10:45 2026-04-08 11:12 Waived 2 - Non-Material B B Compliance Missing Doc Missing Required Affiliated Business Disclosure Waived-Required Affiliated Business Disclosure Missing ----- (Originator) waiver applied to non-material Findings.  - Due Diligence Vendor-04/08/2026

Waived-Required Affiliated Business Disclosure Missing ----- (Originator) waiver applied to non-material Findings.  - Due Diligence Vendor-04/08/2026

 Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 791

CLTV is less than guidelines maximum - Required is 90 Borrower has 46.58		 Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors XXXX XX Primary Residence Refinance Cash Out - Other Originator Post-Close No 8548918
XXXX 536 XXXX D A D A C A A A Closed FCRE7497 2026-04-10 05:34 2026-04-17 11:53 Resolved 1 - Information D A Credit Missing Doc Missing verification of taxes, insurance, and/or HOA fees for non-subject property Resolved-Received HOI premium.  - Due Diligence Vendor-04/17/2026
Ready for Review-Document Uploaded. HOI with premium - Seller-04/16/2026
Counter-Policy provided does not disclose the annual premium.  Please provide documentation to support the annual premium amount. - Due Diligence Vendor-04/16/2026
Ready for Review-Document Uploaded. Here you go - Seller-04/14/2026
Counter-HOI for the Primary is required to verify the premium amount as it is part of the DTI. - Due Diligence Vendor-04/14/2026
Ready for Review-Hi this is a straightforward refinance secured by only the secondary residence and therefor attained and provide HOI for XXXX.  Can you please advise why you are requiring insurance for the primary residence when this is not being refinance.  - Seller-04/13/2026
Counter-Received subject HOI.  Missing HOI policy for primary residence XXXX
 - Due Diligence Vendor-04/13/2026
Ready for Review-Document Uploaded.  - Seller-04/10/2026
Open-Missing HOI policy for primary residence. - Due Diligence Vendor-04/10/2026		 Ready for Review-Document Uploaded. HOI with premium - Seller-04/16/2026
 Ready for Review-Document Uploaded. Here you go - Seller-04/14/2026
 Ready for Review-Hi this is a straightforward refinance secured by only the secondary residence and therefor attained and provide HOI for XXXX.  Can you please advise why you are requiring insurance for the primary residence when this is not being refinance.  - Seller-04/13/2026
 Ready for Review-Document Uploaded.  - Seller-04/10/2026
 Resolved-Received HOI premium.  - Due Diligence Vendor-04/17/2026

 Qualifying DTI below maximum allowed - Required is 50 Borrower has 18.51

CLTV is less than guidelines maximum - Required is 85 Borrower has 79.78

Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 740		 XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors XXXX XX Second Home Refinance Cash Out - Other N/A N/A 8589179
XXXX 536 XXXX D A D A C A A A Closed finding-3617 2026-04-08 09:49 2026-04-15 09:47 Resolved 1 - Information C A Compliance TRID TRID Initial Closing Disclosure Date and Funding Date Validation Test Resolved-Received PCCD, finding resolved. - Due Diligence Vendor-04/15/2026
Ready for Review-Document Uploaded. Uploaded final settlement statement and PCCD - Seller-04/14/2026
Open-This loan failed the TRID closing disclosure date and funding date validation test.This loan contains a closing disclosure receipt date (or closing disclosure delivery date if receipt date was not provided) that is after the funding date. Please review the loan data to ensure the dates are in the correct fields. -----Final CD shows disbursement date of XXXX, but closing date is XXXX. Provide evidence the loan did not disburse prior to closing.   - Due Diligence Vendor-04/08/2026		 Ready for Review-Document Uploaded. Uploaded final settlement statement and PCCD - Seller-04/14/2026

 Resolved-Received PCCD, finding resolved. - Due Diligence Vendor-04/15/2026

 Qualifying DTI below maximum allowed - Required is 50 Borrower has 18.51

CLTV is less than guidelines maximum - Required is 85 Borrower has 79.78

Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 740		 XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors XXXX XX Second Home Refinance Cash Out - Other N/A N/A 8547493
XXXX 536 XXXX D A D A C A A A Closed finding-3652 2026-04-08 09:49 2026-04-13 09:52 Resolved 1 - Information C A Compliance TRID Lender Credits That Cannot Decrease Test Resolved-Received COC, finding resolved. - Due Diligence Vendor-04/13/2026
Ready for Review-Document Uploaded. The loan amount increased from $235,000 on the initial Loan Estimate to $240,000 on the final Closing Disclosure, which constitutes a valid Change of Circumstances.  As a result, the lender credit was appropriately reduced from $3,250 to $2,700. Although the Change of Circumstances document was unsigned, TRID does not require borrower acknowledgment—only creditor documentation and timely disclosure. The final Closing Disclosure reflects a lender credit of $2,767.95, which exceeds the amount supported by the Change of Circumstances and is therefore consumer‑favorable. No tolerance thresholds were exceeded
 - Seller-04/10/2026
Open-This loan failed the lender credits that cannot decrease test. ( 12 CFR §1026.19(e)(3)(i) )The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits ($2,767.95) does not exceed or equal the comparable sum of specific and non-specific lender credits ($3,250.00). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). -----Lender credit decreased from $3250.00 to $2767.95without a valid COC in file. Provide a COC for decrease OR evidence of refund to borrower or principal reduction in the amount of $482.05, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Reduction in Lender credits must be directly related to fees and must offset closing cost equally. Statute of Limitations 3 years- Expiration date is XXXX. - Due Diligence Vendor-04/08/2026		 Ready for Review-Document Uploaded. The loan amount increased from $235,000 on the initial Loan Estimate to $240,000 on the final Closing Disclosure, which constitutes a valid Change of Circumstances.  As a result, the lender credit was appropriately reduced from $3,250 to $2,700. Although the Change of Circumstances document was unsigned, TRID does not require borrower acknowledgment—only creditor documentation and timely disclosure. The final Closing Disclosure reflects a lender credit of $2,767.95, which exceeds the amount supported by the Change of Circumstances and is therefore consumer‑favorable. No tolerance thresholds were exceeded
 - Seller-04/10/2026

 Resolved-Received COC, finding resolved. - Due Diligence Vendor-04/13/2026

 Qualifying DTI below maximum allowed - Required is 50 Borrower has 18.51

CLTV is less than guidelines maximum - Required is 85 Borrower has 79.78

Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 740		 XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors XXXX XX Second Home Refinance Cash Out - Other N/A N/A 8547486
XXXX 536 XXXX D A D A C A A A Closed finding-3634 2026-04-08 09:49 2026-04-13 09:52 Resolved 1 - Information C A Compliance TRID Charges That Cannot Increase Test Resolved-Received COC, finding resolved. - Due Diligence Vendor-04/13/2026
Ready for Review-Document Uploaded. The increase in the loan origination charge from $4,700 to $4,800 is the result of a loan amount increase from XXXX to XXXX. The origination fee is calculated as a fixed percentage of the loan amount, and no change was made to the percentage charged
 - Seller-04/10/2026
Open-This loan failed the charges that cannot increase test.  (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $100.00.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). -----Zero (0%) tolerance fees increased by $100.00 (Loan Origination Fee) without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $32.05, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations -  Year(s); Expiration Date: XXXX. Cure Provided for $67.95 For Cost Above Legal Limit.  - Due Diligence Vendor-04/08/2026		 Ready for Review-Document Uploaded. The increase in the loan origination charge from $4,700 to $4,800 is the result of a loan amount increase from XXXX to XXXX. The origination fee is calculated as a fixed percentage of the loan amount, and no change was made to the percentage charged
 - Seller-04/10/2026
 Resolved-Received COC, finding resolved. - Due Diligence Vendor-04/13/2026

 Qualifying DTI below maximum allowed - Required is 50 Borrower has 18.51

CLTV is less than guidelines maximum - Required is 85 Borrower has 79.78

Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 740		 XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors XXXX XX Second Home Refinance Cash Out - Other N/A N/A 8547488
XXXX 545 XXXX D A D A C A A A Closed finding-3352 2026-04-08 11:28 2026-07-08 16:11 Resolved 1 - Information C A Compliance Points & Fees Higher-Priced Mortgage Loan Test Resolved-Loan is a second lien with full appraisal, meeting HPML compliance.  - Due Diligence Vendor-07/08/2026

Open-This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )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 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met.  - Due Diligence Vendor-04/08/2026

Resolved-Loan is a second lien with full appraisal, meeting HPML compliance.  - Due Diligence Vendor-07/08/2026

 Qualifying DTI below maximum allowed - Required is 50 Borrower has 37.2

Months Reserves exceed minimum required - 0 months required, 35 months verified. 		 Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors XXXX XX Primary Residence Refinance Cash Out - Other N/A N/A 8551247
XXXX 545 XXXX D A D A C A A A Closed FCRE1342 2026-04-10 07:42 2026-04-10 08:48 Resolved 1 - Information D A Credit Missing Doc Borrower 1 Business Bank Statements Missing Resolved-After further review, the lender provided the ban statement prior to submission.

 - Due Diligence Vendor-04/10/2026

Open-Borrower 1 Business Bank Statements Missing. Provide 12 months complete Bank Statements to support income used to qualify. - Due Diligence Vendor-04/10/2026

Resolved-After further review, the lender provided the ban statement prior to submission.

 - Due Diligence Vendor-04/10/2026

 Qualifying DTI below maximum allowed - Required is 50 Borrower has 37.2

Months Reserves exceed minimum required - 0 months required, 35 months verified. 		 Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors XXXX XX Primary Residence Refinance Cash Out - Other N/A N/A 8591580
XXXX 539 XXXX C A C A C A A A Closed finding-3652 2026-04-08 13:03 2026-04-20 13:42 Resolved 1 - Information C A Compliance TRID Lender Credits That Cannot Decrease Test Resolved-Received COC for decrease in fees. Finding Resolved. - Due Diligence Vendor-04/20/2026
Ready for Review-Document Uploaded.  - Seller-04/17/2026
Counter-COC provided is invalid, states XXXX. COC is needed for XXXX. Finding remains.  - Due Diligence Vendor-04/16/2026
Ready for Review-Here you go - Seller-04/15/2026
Counter-Upon further review, the amount the Lender Credits decreased is from $100 on XXXX to $0 on XXXX. COC with explanation for decrease is required. Finding remains. - Due Diligence Vendor-04/15/2026
Ready for Review-In regard to decrease of lender credit of $1850 to $1750, this is not a lender credit.   paying lender‑paid compensation to the broker does not require a Change of Circumstances (COC), because it is not a borrower credit and does not affect borrower charges.  - Seller-04/14/2026
Open-This loan failed the lender credits that cannot decrease test. ( 12 CFR §1026.19(e)(3)(i) )The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits ($1,750.00) does not exceed or equal the comparable sum of specific and non-specific lender credits ($1,850.00). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). ----- Lender credit decreased from $1,850.00 to $1,750.00 without a valid COC in file. Provide a COC for decrease OR evidence of refund to borrower or principal reduction in the amount of $100.00, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Reduction in Lender credits must be directly related to fees and must offset closing cost equally. Statute of Limitations 3 years- Expiration date is XXXX. - Due Diligence Vendor-04/08/2026		 Ready for Review-Document Uploaded.  - Seller-04/17/2026

 Ready for Review-Here you go - Seller-04/15/2026

 Ready for Review-In regard to decrease of lender credit of $1850 to $1750, this is not a lender credit.   paying lender‑paid compensation to the broker does not require a Change of Circumstances (COC), because it is not a borrower credit and does not affect borrower charges.  - Seller-04/14/2026

 Resolved-Received COC for decrease in fees. Finding Resolved. - Due Diligence Vendor-04/20/2026

 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 740

Qualifying DTI below maximum allowed - Required is 50 Borrower has 40.91

CLTV is less than guidelines maximum - Required is 90 Borrower has 59.72		 XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) XXXX XX Primary Residence Refinance Cash Out - Other N/A N/A 8553140
XXXX 539 XXXX C A C A C A A A Closed FCRE1205 2026-04-10 09:10 2026-04-13 11:07 Resolved 1 - Information C A Credit Eligibility OFAC Check Not Completed and/or Cleared Resolved-Received OFAC clearance. - Due Diligence Vendor-04/13/2026
Ready for Review-Document Uploaded. uploaded OFAC - Seller-04/10/2026
Open-OFAC Check Not Completed and/or Cleared for the Appraiser XXXX. - Due Diligence Vendor-04/10/2026		 Ready for Review-Document Uploaded. uploaded OFAC - Seller-04/10/2026

 Resolved-Received OFAC clearance. - Due Diligence Vendor-04/13/2026

 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 740

Qualifying DTI below maximum allowed - Required is 50 Borrower has 40.91

CLTV is less than guidelines maximum - Required is 90 Borrower has 59.72		 XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) XXXX XX Primary Residence Refinance Cash Out - Other N/A N/A 8592875
XXXX 526 XXXX D B C A C B D A Closed FPRO1253 2026-04-09 12:30 2026-04-14 16:29 Resolved 1 - Information D A Property Missing Doc Secondary Valuation or Additional Valuation has not been entered per securitization requirements Resolved-File contains 2055 exterior and Desk Review - Due Diligence Vendor-04/14/2026

Ready for Review-Document Uploaded. CDA - Seller-04/13/2026

Open-Missing secondary valuation.  Missing AVM with Property inspection report. - Due Diligence Vendor-04/09/2026		 Ready for Review-Document Uploaded. CDA - Seller-04/13/2026

 Resolved-File contains 2055 exterior and Desk Review - Due Diligence Vendor-04/14/2026

 Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 767 min score 700. Required is 700 Borrower has 767

Qualifying DTI below maximum allowed - DTI 16.73 max 50%. Required is 50 Borrower has 16.56		 XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) XXXX XX Primary Residence Refinance Cash Out - Other N/A N/A 8578861
XXXX 526 XXXX D B C A C B D A Closed FCRE0201 2026-04-09 12:14 2026-04-14 16:23 Resolved 1 - Information C A Credit Eligibility Senior Lien Doc Indicator Missing Resolved-Received Note and Mortgage on 1st lien - Due Diligence Vendor-04/14/2026
Ready for Review-Document Uploaded. FIRST LIEN note and mortgage  - Seller-04/14/2026
Open-Senior Lien Doc Indicator Missing.   Copy of Note and Deed of Trust/Mortgage foe Senior Lien per XXXX guidelines. - Due Diligence Vendor-04/09/2026		 Ready for Review-Document Uploaded. FIRST LIEN note and mortgage  - Seller-04/14/2026

 Resolved-Received Note and Mortgage on 1st lien - Due Diligence Vendor-04/14/2026

 Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 767 min score 700. Required is 700 Borrower has 767

Qualifying DTI below maximum allowed - DTI 16.73 max 50%. Required is 50 Borrower has 16.56		 XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) XXXX XX Primary Residence Refinance Cash Out - Other N/A N/A 8578526
XXXX 526 XXXX D B C A C B D A Closed FCOM2328 2026-04-09 08:30 2026-04-14 09:25 Resolved 1 - Information C A Compliance TRID TRID: Closing Disclosure Escrow Account Resolved-Received PCCD XXXX with Escrow section completed. Finding Resolved. - Due Diligence Vendor-04/14/2026
Ready for Review-Document Uploaded. PCCD - Seller-04/13/2026
Open------Final CD, page 4 is missing reason for no escrow account established, either declined or lender does not offer one box is not checked. Provide a PCCD with correction within 60 days of consummation.  - Due Diligence Vendor-04/09/2026		 Ready for Review-Document Uploaded. PCCD - Seller-04/13/2026

 Resolved-Received PCCD XXXX with Escrow section completed. Finding Resolved. - Due Diligence Vendor-04/14/2026
 Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 767 min score 700. Required is 700 Borrower has 767

Qualifying DTI below maximum allowed - DTI 16.73 max 50%. Required is 50 Borrower has 16.56		 XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) XXXX XX Primary Residence Refinance Cash Out - Other N/A N/A 8571101
XXXX 526 XXXX D B C A C B D A Closed FCOM0013 2026-04-09 08:34 2026-04-14 09:18 Resolved 1 - Information C A Compliance Disclosure Missing e-Consent Resolved-Received E-Consent Form. Finding Resolved. - Due Diligence Vendor-04/14/2026

Ready for Review-Document Uploaded. e-consent  - Seller-04/13/2026

Open-Missing e-Consent.  -----Missing e-consent - Due Diligence Vendor-04/09/2026		 Ready for Review-Document Uploaded. e-consent  - Seller-04/13/2026

 Resolved-Received E-Consent Form. Finding Resolved. - Due Diligence Vendor-04/14/2026

 Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 767 min score 700. Required is 700 Borrower has 767

Qualifying DTI below maximum allowed - DTI 16.73 max 50%. Required is 50 Borrower has 16.56		 XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) XXXX XX Primary Residence Refinance Cash Out - Other N/A N/A 8571198
XXXX 526 XXXX D B C A C B D A Closed FCOM1353 2026-04-08 14:13 2026-04-08 14:13 Waived 2 - Non-Material B B Compliance Disclosure Incorrect ROR Form Type selected Waived-The Incorrect ROR Form Type is selected in light of the Same Creditor or Lender Affiliate Refinance (The Right to Cancel Form Model is 'H8 (New Creditor)' and the  Same Creditor or Lender Affiliate Refinance selection is 'Yes'). -----ROR Form H8 is acceptable in place of H9 form. Finding is deemed non-material. Originator waiver applied to non-material Findings.  - Due Diligence Vendor-04/08/2026

Waived-The Incorrect ROR Form Type is selected in light of the Same Creditor or Lender Affiliate Refinance (The Right to Cancel Form Model is 'H8 (New Creditor)' and the  Same Creditor or Lender Affiliate Refinance selection is 'Yes'). -----ROR Form H8 is acceptable in place of H9 form. Finding is deemed non-material. Originator waiver applied to non-material Findings.  - Due Diligence Vendor-04/08/2026

 Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 767 min score 700. Required is 700 Borrower has 767

Qualifying DTI below maximum allowed - DTI 16.73 max 50%. Required is 50 Borrower has 16.56		 QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) XXXX XX Primary Residence Refinance Cash Out - Other Originator Post-Close No 8554643
XXXX 359 XXXX A A A A A A A A A A QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) XXXX XX Primary Residence Refinance Cash Out - Other
XXXX 360 XXXX D A D A A A A A Closed FCRE1325 2026-04-13 13:16 2026-04-14 14:40 Resolved 1 - Information D A Credit Missing Doc Borrower 1 CPA Letter Missing Resolved-Received CPA letter. 100% owner. - Due Diligence Vendor-04/14/2026

Ready for Review-Document Uploaded. Uploaded CPA that demonstrates more than 25% ownership interest.  - Seller-04/13/2026

Open-Borrower 1 CPA Letter Missing Borrower 1 CPA Letter Missing- Provide a CPA letter confirming: 1) borrower ownership % in business, must not be < 25%. - Due Diligence Vendor-04/13/2026		 Ready for Review-Document Uploaded. Uploaded CPA that demonstrates more than 25% ownership interest.  - Seller-04/13/2026

 Resolved-Received CPA letter. 100% owner. - Due Diligence Vendor-04/14/2026

 CLTV is less than guidelines maximum - Required is 90 Borrower has 78.03

Qualifying DTI below maximum allowed - Required is 50 Borrower has 18.65

Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 726		 XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) XXXX XX Primary Residence Refinance Cash Out - Other N/A N/A 8627790
XXXX 541 XXXX D A D A C A A A Closed FCRE1206 2026-04-13 14:23 2026-04-20 12:26 Resolved 1 - Information C A Credit Eligibility All Interested Parties Not Checked with Exclusionary Lists Resolved-Upon further review the Non-Borrower was included on Participant List. - Due Diligence Vendor-04/16/2026

Open-*New* Fraud report did not include the Non-Borrower on the Participant List. - Due Diligence Vendor-04/16/2026

Resolved-Upon further review the Non-Borrower was included on Participant List. - Due Diligence Vendor-04/16/2026

 Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 790

CLTV is less than guidelines maximum - Required is 80 Borrower has 74.98

Qualifying DTI below maximum allowed - Required is 80 Borrower has 19.5		 QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) XXXX XX Primary Residence Refinance Cash Out - Other N/A N/A 8629923
XXXX 541 XXXX D A D A C A A A Closed FCRE1201 2026-04-13 14:23 2026-04-20 12:26 Resolved 1 - Information D A Credit Missing Doc Third Party Fraud Report not Provided Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-04/16/2026

Ready for Review-Document Uploaded. uploaded the drive fraud report - Seller-04/14/2026

Open-Missing Third Party Fraud Report Missing a full Third Party Fraud Report - Due Diligence Vendor-04/13/2026		 Ready for Review-Document Uploaded. uploaded the drive fraud report - Seller-04/14/2026

 Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-04/16/2026

 Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 790

CLTV is less than guidelines maximum - Required is 80 Borrower has 74.98

Qualifying DTI below maximum allowed - Required is 80 Borrower has 19.5		 XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) XXXX XX Primary Residence Refinance Cash Out - Other N/A N/A 8629925
XXXX 541 XXXX D A D A C A A A Closed FCRE1204 2026-04-16 12:44 2026-04-20 12:26 Resolved 1 - Information C A Credit Eligibility Fraud Report Shows Uncleared Alerts Resolved-Received LOE regarding fraud alerts. - Due Diligence Vendor-04/20/2026
Ready for Review-Document Uploaded. The uncleared alert in regards to a potential 2nd mailing address at XXXX.  Located a letter of explanation on this property.   - Seller-04/16/2026
Open-*New* Fraud Report Shows Uncleared Alerts - Due Diligence Vendor-04/16/2026		 Ready for Review-Document Uploaded. The uncleared alert in regards to a potential 2nd mailing address at XXXX.  Located a letter of explanation on this property.   - Seller-04/16/2026
 Resolved-Received LOE regarding fraud alerts. - Due Diligence Vendor-04/20/2026

 Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 790

CLTV is less than guidelines maximum - Required is 80 Borrower has 74.98

Qualifying DTI below maximum allowed - Required is 80 Borrower has 19.5		 XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) XXXX XX Primary Residence Refinance Cash Out - Other N/A N/A 8709888
XXXX 541 XXXX D A D A C A A A Closed FCRE5782 2026-04-13 14:22 2026-04-16 12:42 Resolved 1 - Information D A Credit Missing Doc Borrower 1 Gap Credit Report is Missing Resolved-Received UDM - Due Diligence Vendor-04/16/2026
Ready for Review-Document Uploaded. Please view drive report.  We deployed an undisclosed debt monitor from XXXX to XXXX to watch for debts the borrower has taken but didn't disclose when the borrower applied for the mortgage loan.  We terminated the monitoring on XXXX days before closing.  - Seller-04/14/2026
Open-Borrower 1 Gap Credit Report is Missing Not found in file - Due Diligence Vendor-04/13/2026		 Ready for Review-Document Uploaded. Please view drive report.  We deployed an undisclosed debt monitor from XXXX to XXXX to watch for debts the borrower has taken but didn't disclose when the borrower applied for the mortgage loan.  We terminated the monitoring on XXXX days before closing.  - Seller-04/14/2026
 Resolved-Received UDM - Due Diligence Vendor-04/16/2026

 Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 790

CLTV is less than guidelines maximum - Required is 80 Borrower has 74.98

Qualifying DTI below maximum allowed - Required is 80 Borrower has 19.5		 XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) XXXX XX Primary Residence Refinance Cash Out - Other N/A N/A 8629892
XXXX 541 XXXX D A D A C A A A Closed finding-3625 2026-04-13 12:41 2026-04-16 09:10 Resolved 1 - Information C A Compliance TRID TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" Validation Test Ready for Review-Document Uploaded. Uploaded PCCD - Seller-04/15/2026
Open-This loan failed the TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" validation test.This loan contains a fee or fees where "compensation to" is set to the lender or broker but this fee or fees should not be retained by the lender or broker."Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" should contain an itemization of each amount, and a subtotal of all such amounts, the consumer will pay for settlement services for which the consumer cannot shop in accordance with Regulation Z and that are provided by persons other than the creditor or mortgage broker. (3rd Party Processing) in section B is payable to Lender/Broker however, fees paid to Lender or Broker must be in section A. If the fee is to remain in section B, it must state FBO (for the benefit of) to said Vendor. Provide a post close CD with correction within 60 days of discovery date. Statute of Limitations - 1 year, expiration date XXXX. 
 - Due Diligence Vendor-04/13/2026		 Ready for Review-Document Uploaded. Uploaded PCCD - Seller-04/15/2026

 Resolved- - Due Diligence Vendor-04/16/2026

 Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 790

CLTV is less than guidelines maximum - Required is 80 Borrower has 74.98

Qualifying DTI below maximum allowed - Required is 80 Borrower has 19.5		 XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) XXXX XX Primary Residence Refinance Cash Out - Other N/A N/A 8626647
XXXX 541 XXXX D A D A C A A A Closed finding-47 2026-04-13 10:10 2026-04-16 09:08 Resolved 1 - Information C A Compliance Right to Rescind TILA Right of Rescission Test Resolved-Received PCCD, finding resolved - Due Diligence Vendor-04/16/2026

Ready for Review-Document Uploaded. Uploaded PCCD - Seller-04/15/2026

Open-This loan failed the TILA right of rescission test.Closed-end ( 12 CFR §1026.23(a)(3) , transferred from  12 CFR §226.23(a)(3) ), Open-end ( 12 CFR §1026.15(a)(3) , transferred from  12 CFR §226.15(a)(3) )The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. -----Provide PCCD with disbursement date after the ROR expiration date.  - Due Diligence Vendor-04/13/2026		 Ready for Review-Document Uploaded. Uploaded PCCD - Seller-04/15/2026

 Resolved-Received PCCD, finding resolved - Due Diligence Vendor-04/16/2026

 Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 790

CLTV is less than guidelines maximum - Required is 80 Borrower has 74.98

Qualifying DTI below maximum allowed - Required is 80 Borrower has 19.5		 XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) XXXX XX Primary Residence Refinance Cash Out - Other N/A N/A 8621825
XXXX 537 XXXX C A C A C A A A Closed FCRE0190 2026-04-14 12:02 2026-04-16 12:57 Resolved 1 - Information C A Credit Eligibility 1004D is expired or dated after Note date Resolved-Recert of value is dated XXXX and closing was on XXXX.  Disbursement date is XXXX - Due Diligence Vendor-04/16/2026
Ready for Review-“The effective date of the Appraisal Update and the date of inspection is XXXX.
The report was signed on XXXX for lending purposes only.
The appraisal update is not based on any inspection or market data after XXXX - Seller-04/14/2026
Open-1004D is expired or dated after Note date.  1004D report is dated the same day as the subject Note (XXXX). Appraiser to confirm the effective date of the 1004D report completion date and Effective Date of Appraisal Update. - Due Diligence Vendor-04/14/2026		 Ready for Review-“The effective date of the Appraisal Update and the date of inspection is XXXX.
The report was signed on XXXX for lending purposes only.
The appraisal update is not based on any inspection or market data after XXXX - Seller-04/14/2026
 Resolved-Recert of value is dated XXXX and closing was on XXXX.  Disbursement date is XXXX - Due Diligence Vendor-04/16/2026
 Qualifying DTI below maximum allowed -  Required is 50 Borrower has 18.56

Qualifying FICO score is at least 20 points above minimum for program -  Required is 700 Borrower has 740

CLTV is less than guidelines maximum -  Required is 90 Borrower has 79.9		 QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) XXXX XX Primary Residence Refinance Cash Out - Other N/A N/A 8654996
XXXX 537 XXXX C A C A C A A A Closed finding-47 2026-04-13 09:46 2026-04-16 08:52 Resolved 1 - Information C A Compliance Right to Rescind TILA Right of Rescission Test Resolved-Received PCCD, finding resolved. - Due Diligence Vendor-04/16/2026
Ready for Review-Document Uploaded. Uploaded PCCD after ror expiration date - Seller-04/14/2026
Open-This loan failed the TILA right of rescission test.Closed-end ( 12 CFR §1026.23(a)(3) , transferred from  12 CFR §226.23(a)(3) ), Open-end ( 12 CFR §1026.15(a)(3) , transferred from  12 CFR §226.15(a)(3) )The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. ------Provide PCCD with disbursement date after the ROR expiration date of XXXX.  - Due Diligence Vendor-04/13/2026		 Ready for Review-Document Uploaded. Uploaded PCCD after ror expiration date - Seller-04/14/2026

 Resolved-Received PCCD, finding resolved. - Due Diligence Vendor-04/16/2026

 Qualifying DTI below maximum allowed -  Required is 50 Borrower has 18.56

Qualifying FICO score is at least 20 points above minimum for program -  Required is 700 Borrower has 740

CLTV is less than guidelines maximum -  Required is 90 Borrower has 79.9		 XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) XXXX XX Primary Residence Refinance Cash Out - Other N/A N/A 8621303
XXXX 542 XXXX C A A A C A A A Closed finding-3352 2026-04-14 09:55 2026-07-08 15:52 Resolved 1 - Information C A Compliance Points & Fees Higher-Priced Mortgage Loan Test Resolved- Loan is a second lien with full appraisal, meeting HPML compliance.  - Due Diligence Vendor-07/08/2026

Open-This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )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 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met.  - Due Diligence Vendor-04/14/2026

Resolved- Loan is a second lien with full appraisal, meeting HPML compliance.  - Due Diligence Vendor-07/08/2026

 On time mortgage history exceeds guideline requirement - 0x30x48

Qualifying DTI below maximum allowed - Required is 50 Borrower has 42.07		 Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors XXXX XX Primary Residence Refinance Cash Out - Other N/A N/A 8650157
XXXX 538 XXXX C A A A C A A A Closed finding-3652 2026-04-16 10:19 2026-04-20 13:56 Resolved 1 - Information C A Compliance TRID Lender Credits That Cannot Decrease Test Resolved-Received COC for decrease. Finding Resolved. - Due Diligence Vendor-04/20/2026
Ready for Review-Document Uploaded. Uploaded COC - Seller-04/17/2026
Open-This loan failed the lender credits that cannot decrease test. ( 12 CFR §1026.19(e)(3)(i) )The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits ($0.00) does not exceed or equal the comparable sum of specific and non-specific lender credits ($1,208.00). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). ----- Lender credit decreased from $1208 to $0 without a valid COC in file. Provide a COC for decrease OR evidence of refund to borrower or principal reduction in the amount of $1208, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Reduction in Lender credits must be directly related to fees and must offset closing cost equally. Statute of Limitations 3 years- Expiration date is XXXX. - Due Diligence Vendor-04/16/2026		 Ready for Review-Document Uploaded. Uploaded COC - Seller-04/17/2026

 Resolved-Received COC for decrease. Finding Resolved. - Due Diligence Vendor-04/20/2026

 Qualifying DTI below maximum allowed - Required is 50 Borrower has 7.66 Required is 50 Borrower has 7.66

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

CLTV is less than guidelines maximum - Required is 80 Borrower has 69.69 Required is 80 Borrower has 69.69		 XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors XXXX XX Primary Residence Refinance Cash Out - Other N/A N/A 8705415
XXXX 627 XXXX A A A A A A A A A A Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors XXXX XX Primary Residence Refinance Cash Out - Other
XXXX 574 XXXX A A A A A A A A A A Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors XXXX XX Primary Residence Refinance Cash Out - Other
XXXX 572 XXXX C A A A C A A A Closed finding-3352 2026-04-28 11:22 2026-07-08 15:56 Resolved 1 - Information C A Compliance Points & Fees Higher-Priced Mortgage Loan Test Resolved- Loan is a second lien with full appraisal, meeting HPML compliance.  - Due Diligence Vendor-07/08/2026

Open-This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )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 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met.  - Due Diligence Vendor-04/28/2026

Resolved- Loan is a second lien with full appraisal, meeting HPML compliance.  - Due Diligence Vendor-07/08/2026

 Months Reserves exceed minimum required - 40.08 mos reserves; 0 required

Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 742

Qualifying DTI below maximum allowed - Required is 50 Borrower has 43.93		 Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors XXXX XX Primary Residence Refinance Cash Out - Other N/A N/A 8921398
XXXX 573 XXXX D A D A A A A A Closed FCRE0201 2026-04-29 11:47 2026-05-05 13:16 Resolved 1 - Information C A Credit Eligibility Senior Lien Doc Indicator Missing Resolved-1st lien mortgage statement and credit report confirms the 1st lien is a fixed 30 years loan at 2.875%.

 - Due Diligence Vendor-05/05/2026

Counter-Received 2nd lien Note.  Please provide 1st lien Note - Due Diligence Vendor-05/01/2026

Ready for Review-Document Uploaded. uploaded...... - Seller-04/30/2026

Open-Senior Lien Doc Indicator Missing.  Missing 1st mortgage lien Note - Due Diligence Vendor-04/29/2026		 Ready for Review-Document Uploaded. uploaded...... - Seller-04/30/2026

 Resolved-1st lien mortgage statement and credit report confirms the 1st lien is a fixed 30 years loan at 2.875%.

 - Due Diligence Vendor-05/05/2026

 Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 778

CLTV is less than guidelines maximum - Required is 90 Borrower has 66.41		 XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) XXXX XX Primary Residence Refinance Cash Out - Other N/A N/A 8950238
XXXX 573 XXXX D A D A A A A A Closed FCRE1183 2026-05-01 16:53 2026-05-05 09:49 Resolved 1 - Information D A Credit Missing Doc Approval/Underwriting Summary Partially Provided Resolved-Received correct 1008 and confirmation no additional appraisals and only a carryover of estimated value.   - Due Diligence Vendor-05/05/2026
Ready for Review-There is only one appraisal for this loan, dated XXXX, with a value of XXXX.  The appraisal value of XXXX reflected on the original 1008 was the result of a clerical/data entry error during preparation.

The incorrect value did not represent an alternate appraisal.  The error did not impact loan terms, program eligibility, or the credit decision. The only affected metric was the loan‑to‑value ratio. - Seller-05/04/2026
Counter-Please provide explanation of why XXXX was used for the approval at origination. Additional findings may apply.  - Due Diligence Vendor-05/04/2026
Ready for Review-Document Uploaded. uploaded correct 1008 - Seller-05/01/2026
Open-Approval/Underwriting Summary Partially Provided The lender loan approval/1008 reflects an appraised value of XXXX, per the appraisal, the appraised value is XXXX.  Missing verification of the value used by the lender to calculate the LTV. - Due Diligence Vendor-05/01/2026		 Ready for Review-There is only one appraisal for this loan, dated XXXX, with a value of XXXX.  The appraisal value of XXXX reflected on the original 1008 was the result of a clerical/data entry error during preparation.

The incorrect value did not represent an alternate appraisal.  The error did not impact loan terms, program eligibility, or the credit decision. The only affected metric was the loan‑to‑value ratio. - Seller-05/04/2026
 Ready for Review-Document Uploaded. uploaded correct 1008 - Seller-05/01/2026
 Resolved-Received correct 1008 and confirmation no additional appraisals and only a carryover of estimated value.   - Due Diligence Vendor-05/05/2026

 Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 778

CLTV is less than guidelines maximum - Required is 90 Borrower has 66.41		 XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) XXXX XX Primary Residence Refinance Cash Out - Other N/A N/A 9009356
XXXX 573 XXXX D A D A A A A A Closed FCRE0044 2026-04-29 12:30 2026-05-01 10:14 Resolved 1 - Information C A Credit Eligibility File does not contain LOX for credit inquiries Resolved-Received credit inquiry LOE. - Due Diligence Vendor-05/01/2026
Ready for Review-Document Uploaded. Here is the credit inquiry for XXXX.   Regards to the XXXX, its been more than 90 days, therefore we did not question this.  - Seller-04/30/2026
Open-LOX for credit inquiries is missing.  - Due Diligence Vendor-04/30/2026		 Ready for Review-Document Uploaded. Here is the credit inquiry for XXXX Card.   Regards to the XXXX, its been more than 90 days, therefore we did not question this.  - Seller-04/30/2026
 Resolved-Received credit inquiry LOE. - Due Diligence Vendor-05/01/2026

 Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 778

CLTV is less than guidelines maximum - Required is 90 Borrower has 66.41		 XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) XXXX XX Primary Residence Refinance Cash Out - Other N/A N/A 8951985
XXXX 629 XXXX D A D A A A A A Closed FCRE1316 2026-05-01 17:24 2026-05-05 09:52 Resolved 1 - Information D A Credit Missing Doc Borrower 1 3rd Party VOE Prior to Close Missing Resolved-Received pre close VVOE. - Due Diligence Vendor-05/05/2026

Ready for Review-Document Uploaded.  - Seller-05/01/2026

Open-Borrower 1 3rd Party VOE Prior to Close Missing For self-employed borrowers, the existence of the business must be independently verified through a disinterested third party within 10 business days of closing. The CPA letter is dated 11 days out - Due Diligence Vendor-05/01/2026		 Ready for Review-Document Uploaded.  - Seller-05/01/2026

 Resolved-Received pre close VVOE. - Due Diligence Vendor-05/05/2026

 CLTV is less than guidelines maximum - Required is 90 Borrower has 65.78

Qualifying DTI below maximum allowed - Required is 50 Borrower has 38.08		 XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors XXXX XX Primary Residence Refinance Cash Out - Other N/A N/A 9009875
XXXX 701 XXXX D A D A C A A A Closed finding-3352 2026-05-05 13:06 2026-07-08 15:59 Resolved 1 - Information C A Compliance Points & Fees Higher-Priced Mortgage Loan Test Resolved- Loan is a second lien with full appraisal, meeting HPML compliance.  - Due Diligence Vendor-07/08/2026

Open-This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )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 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met.  - Due Diligence Vendor-05/05/2026

Resolved- Loan is a second lien with full appraisal, meeting HPML compliance.  - Due Diligence Vendor-07/08/2026

 Qualifying DTI below maximum allowed - Required is 50 Borrower has 37.56

CLTV is less than guidelines maximum - Required is 90 Borrower has 40.43		 Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors XXXX XX Primary Residence Refinance Cash Out - Other N/A N/A 9047633
XXXX 701 XXXX D A D A C A A A Closed FCRE6019 2026-05-07 14:22 2026-05-18 10:45 Resolved 1 - Information D A Credit Missing Doc Citizenship Documentation Not Provided Resolved-Document Uploaded. The borrower's country of origin has been confirmed. - Due Diligence Vendor-05/18/2026
Counter-Received 1003.  Missing borrowers country of origin, needed for securitization.  May provide on 1003 or processors cert.   - Due Diligence Vendor-05/14/2026
Ready for Review-Document Uploaded. Its noted on the final 1003 as perm residence - Seller-05/12/2026
Counter-Received confirmation legacy perm resident alien card.  Missing country of origin.  May be noted on 1003.   - Due Diligence Vendor-05/12/2026
Ready for Review-on the matter of the perm resident card, you are asking for a form number as it cannot be read and country of origin.  On the left-hand side is 021888 (date).  It was issued on that date and at that time form # I 551.  This is a legacy Permanent Resident Card issued by the Immigration and Naturalization Service (INS). Older cards do not include country of birth or expiration date, but they remain valid proof of lawful permanent residence. - Seller-05/11/2026
Counter-Received duplicate copy.  Review is unable to read Form Type on page 2 to confirm acceptable.  Missing country of origin.  Additional conditions may apply - Due Diligence Vendor-05/11/2026
Ready for Review-Document Uploaded. Alien Resident card - Seller-05/07/2026
Open-Borrower Citizenship Documentation Is Missing Missing borrower's country of origin, perm resident card does not indicate. - Due Diligence Vendor-05/07/2026		 Ready for Review-Document Uploaded. Its noted on the final 1003 as perm residence - Seller-05/12/2026

 Ready for Review-on the matter of the perm resident card, you are asking for a form number as it cannot be read and country of origin.  On the left-hand side is 021888 (date).  It was issued on that date and at that time form # I 551.  This is a legacy Permanent Resident Card issued by the Immigration and Naturalization Service (INS). Older cards do not include country of birth or expiration date, but they remain valid proof of lawful permanent residence. - Seller-05/11/2026

 Ready for Review-Document Uploaded. Alien Resident card - Seller-05/07/2026

 Resolved-Document Uploaded. The borrower's country of origin has been confirmed. - Due Diligence Vendor-05/18/2026

 Qualifying DTI below maximum allowed - Required is 50 Borrower has 37.56

CLTV is less than guidelines maximum - Required is 90 Borrower has 40.43		 XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors XXXX XX Primary Residence Refinance Cash Out - Other N/A N/A 9090319
XXXX 701 XXXX D A D A C A A A Closed FCRE8887 2026-05-07 14:30 2026-05-12 10:29 Resolved 1 - Information D A Credit Missing Doc Missing or Incomplete 1003 Resolved-Received corrected final 1003 - Due Diligence Vendor-05/12/2026
Ready for Review-Document Uploaded. the executed final shows correctly perm residence - Seller-05/11/2026
Counter-Received duplicate resident alien card.  Missing corrected 1003 - Due Diligence Vendor-05/11/2026
Ready for Review-Document Uploaded. uploaded - Seller-05/07/2026
Open-Final 1003 shows borrower is a XXXX citizen however there is a perm resident card in the file. - Due Diligence Vendor-05/07/2026		 Ready for Review-Document Uploaded. the executed final shows correctly perm residence - Seller-05/11/2026

 Ready for Review-Document Uploaded. uploaded - Seller-05/07/2026

 Resolved-Received corrected final 1003 - Due Diligence Vendor-05/12/2026

 Qualifying DTI below maximum allowed - Required is 50 Borrower has 37.56

CLTV is less than guidelines maximum - Required is 90 Borrower has 40.43		 XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors XXXX XX Primary Residence Refinance Cash Out - Other N/A N/A 9090644
XXXX 701 XXXX D A D A C A A A Closed FCRE1316 2026-05-07 14:24 2026-05-12 10:26 Resolved 1 - Information D A Credit Missing Doc Borrower 1 3rd Party VOE Prior to Close Missing Resolved-Received dated SOS. - Due Diligence Vendor-05/12/2026
Ready for Review-Document Uploaded. Business Secretary Search reflect date and timestamp. - Seller-05/11/2026
Counter-Received SOS that does not reflect a date pulled.  Provide VVOE or processor cert confirming date VVOE completed.   - Due Diligence Vendor-05/11/2026
Ready for Review-Document Uploaded. XXXX Secretary Of State Portal states active - Seller-05/07/2026
Open-Borrower 1 3rd Party VOE Prior to Close Missing Missing existence of the business must be independently verified through a disinterested third party within 10 business days of closing CPA letter in file is dated outside 10 days and the secretary of state has no current date stamp - Due Diligence Vendor-05/07/2026		 Ready for Review-Document Uploaded. Business Secretary Search reflect date and timestamp. - Seller-05/11/2026
 Ready for Review-Document Uploaded. XXXX Secretary Of State Portal states active - Seller-05/07/2026
 Resolved-Received dated SOS. - Due Diligence Vendor-05/12/2026

 Qualifying DTI below maximum allowed - Required is 50 Borrower has 37.56

CLTV is less than guidelines maximum - Required is 90 Borrower has 40.43		 XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors XXXX XX Primary Residence Refinance Cash Out - Other N/A N/A 9090373
XXXX 701 XXXX D A D A C A A A Closed FCRE0044 2026-05-07 11:49 2026-05-11 10:27 Resolved 1 - Information C A Credit Eligibility File does not contain LOX for credit inquiries Resolved-Received credit inquiry LOE - Due Diligence Vendor-05/11/2026

Ready for Review-Document Uploaded. credit inquiry - Seller-05/07/2026

Open-LOX for credit inquiries is missing.  not in file  - Due Diligence Vendor-05/07/2026		 Ready for Review-Document Uploaded. credit inquiry - Seller-05/07/2026

 Resolved-Received credit inquiry LOE - Due Diligence Vendor-05/11/2026

 Qualifying DTI below maximum allowed - Required is 50 Borrower has 37.56

CLTV is less than guidelines maximum - Required is 90 Borrower has 40.43		 XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors XXXX XX Primary Residence Refinance Cash Out - Other N/A N/A 9086934
XXXX 613 XXXX B B A A B B A A Closed FCOM1353 2026-05-14 11:39 2026-05-14 12:57 Waived 2 - Non-Material B B Compliance Disclosure Incorrect ROR Form Type selected Waived-The Incorrect ROR Form Type is selected in light of the Same Creditor or Lender Affiliate Refinance (The Right to Cancel Form Model is 'H8 (New Creditor)' and the  Same Creditor or Lender Affiliate Refinance selection is 'Yes'). ROR Form H8 is acceptable in place of H9 form. Finding is deemed non-material. Originator waiver applied to non-material Findings.  - Due Diligence Vendor-05/14/2026

Waived-The Incorrect ROR Form Type is selected in light of the Same Creditor or Lender Affiliate Refinance (The Right to Cancel Form Model is 'H8 (New Creditor)' and the  Same Creditor or Lender Affiliate Refinance selection is 'Yes'). ROR Form H8 is acceptable in place of H9 form. Finding is deemed non-material. Originator waiver applied to non-material Findings.  - Due Diligence Vendor-05/14/2026

 CLTV is less than guidelines maximum - Required is 85 Borrower has 45.78

Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 692

Qualifying DTI below maximum allowed - Required is 50 Borrower has 42.7		 QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) XXXX XX Primary Residence Refinance Cash Out - Other Originator Post-Close No 9201634
XXXX 700 XXXX D A D A A A C A Closed FPRO1257 2026-05-21 11:06 2026-07-08 14:31 Resolved 1 - Information C A Property Value Primary Property Value is not Substantiated Resolved-After further review, the secondary valuation is not required per XXXX guides. - Due Diligence Vendor-05/27/2026
Ready for Review-Since this is a CES, I reviewed the CES eligibility guide XXXX and does not require this.   - Seller-05/27/2026
Counter-Additional valuation is required as the CU is rated at 3.4 which is above the 2.5 maximum. Finding remains. - Due Diligence Vendor-05/27/2026
Ready for Review-what Justify additional valuation? - Seller-05/22/2026
Open-The Primary Property Value is unsubstantiated.  Additional valuation product is required. - Due Diligence Vendor-05/21/2026		 Ready for Review-Since this is a CES, I reviewed the CES eligibility guide XXXX and does not require this.   - Seller-05/27/2026
 Ready for Review-what Justify additional valuation? - Seller-05/22/2026
 Resolved-After further review, the secondary valuation is not required per XXXX guides. - Due Diligence Vendor-05/27/2026
 CLTV is less than guidelines maximum - Required is 80 Borrower has 74.9

Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 746 Required is 700 Borrower has 746		 QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) XXXX XX Primary Residence Refinance Cash Out - Other N/A N/A 9324730
XXXX 700 XXXX D A D A A A C A Closed FCRE1316 2026-05-21 12:51 2026-05-27 10:50 Resolved 1 - Information D A Credit Missing Doc Borrower 1 3rd Party VOE Prior to Close Missing Resolved-Received SOS that reflects business active and CPA letter in file. - Due Diligence Vendor-05/27/2026
Ready for Review-Document Uploaded. XXXX - Seller-05/22/2026
Open-Borrower 1 3rd Party VOE Prior to Close Missing no VOE in file. CPA letter is more than 10 days from note.   - Due Diligence Vendor-05/21/2026		 Ready for Review-Document Uploaded. XXXX - Seller-05/22/2026
 Resolved-Received SOS that reflects business active and CPA letter in file. - Due Diligence Vendor-05/27/2026

 CLTV is less than guidelines maximum - Required is 80 Borrower has 74.9

Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 746 Required is 700 Borrower has 746		 XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) XXXX XX Primary Residence Refinance Cash Out - Other N/A N/A 9328277