EFMT DEPOSITOR LLC ABS-15G

Exhibit 99.07 - Schedule 2

 

 

Exception Detail
Run Date - 07/17/2026 5:45:44 PM
Evolve Loan ID Customer Loan ID Seller Loan ID Loan Exception ID Exception ID Exception Date Exception Type Exception Category Exception Subcategory Exception Exception Detail Exception Information Exception Remediation Compensating Factors Follow-up Comments Cleared Date Cured Date Waived Date Exception Level Grade Exception Level Rating Note Date Property State Occupancy Purpose Overall Initial Loan Grade Overall Final Loan Grade Credit Initial Loan Grade Credit Final Loan Grade Compliance Initial Loan Grade Compliance Final Loan Grade Property Initial Loan Grade Property Final Loan Grade Originator QM ATR Status TPR QM ATR Status Is Curable
1691800 XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXX Credit Hazard Insurance   Hazard Insurance - year premium not in force at least 60 days post funding.   XXXXXXX insurance in file expired before closing. XXXXXXX provide updated proof of insurance. Information provided     03/16/2026     A 1 XXXXXXXXXX FL 3 13 C   B   C   B   N/A N/A A   A     Exempt 1
1691800 XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXX Credit UW Qualifications   UW Qualifications - UW – Exception needed   XXXXXXXXXX needed for subject property square footage of units XXX XXX XXX and XX all XXXX square foot < XXXX square foot per unit required for the XXXXX XXXXX XXXXX program guidelines.   Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXX of XXXXXXXXX where the max allowed is XXXXX XXXXXXX months reserves when only XX months required, XXXXX of XXXXXX where the minimum required is XXXXXX and XXXX fico score where the minimum required is XXXXX       03/16/2026 B 2 XXXXXXXXXX FL 3 13 C   B   C   B   N/A N/A A   A     Exempt 1
1691800 XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXX Credit UW Qualifications   UW Qualifications - UW – Exception needed   XXXXXXXXXX needed for cash-out XXXXXXXXXXXXXX > XXXXXXXXXXXXXX maximum per the XXXXX XXXXX XXXXX program guidelines.   Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXX of XXXXXXXXX where the max allowed is XXXXX XXXXXXX months reserves when only XX months required, XXXXX of XXXXXX where the minimum required is XXXXXX and XXXX fico score where the minimum required is XXXXX       03/16/2026 B 2 XXXXXXXXXX FL 3 13 C   B   C   B   N/A N/A A   A     Exempt 1
1691800 XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXX Credit UW Qualifications   UW Qualifications - UW – Exception needed   XXXXXXXXXX needed for use of appraisal review product from XXX XXXXXXXXXXXXX XXXXXXXXXX and not from the required XXXXXXX XXXXXXXXXXX XXXXXXXXXX XXXXXXX required per the XXXXX XXXXX XXXXX program guidelines.   Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXX of XXXXXXXXX where the max allowed is XXXXX XXXXXXX months reserves when only XX months required, XXXXX of XXXXXX where the minimum required is XXXXXX and XXXX fico score where the minimum required is XXXXX       03/16/2026 B 2 XXXXXXXXXX FL 3 13 C   B   C   B   N/A N/A A   A     Exempt 1
1698264 XXXXXXXXXXX XXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXX Credit UW Credit   UW Credit - UW - Satisfactory 12 mth Rental   XXXXXXXX evidence of the XXXXX for borrower living rent free with non spouse.   Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXXXXXXXXX XXXXX XXXX where the guideline minimum is XXXXX XXXXXXXXX of XXXXXX months via borrowers verified assets where the guidelines requirement is XX for a loan amount < XXXXXXXXX XXXXXXX history dating back to XXXXX when a two year history is required. value       03/13/2026 B 2 XXXXXXXXXX CA 3 1 C   B   C   B   N/A N/A A   A     Exempt 1
1698265 XXXXXXXXXXX XXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXX Credit UW Credit   UW Credit - UW - Credit Other   XXXX XXXXXXXX XXXXXXXXXXX provided is incomplete. XXXX bottom section reflecting the final calculation of XXXXXX XXXX XXXXX XXXXXXXXX and/or XXXXXX XXXX XXX XXXXXXXXX is missing, and the applicable column totals are not reflected. Received final signed XX     05/13/2026     A 1 XXXXXXXXXX FL 3 1 C   B   C   B   N/A N/A A   A     Exempt 1
1698265 XXXXXXXXXXX XXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXX Credit UW Qualifications   UW Qualifications - UW - LTV/CLTV does not meet parameters   XXXXXXXXXXX loan to value percentage of XXXXXXXXXXX exceeds XXXXXXXXXX loan to value percentage of XXXXXXXXXXXXX XXXX to borrower being XXXXX time investor. XXXXXXX to confirm borrower owned an investment property for at XXX months ion past XX years   Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXXXXXXX was not a XXXXX time homebuyer; and subject property is new construction located in a high rental market. XXXXXXXXX of XXXXXXX months where the guideline requirement is XXXX       05/08/2026 B 2 XXXXXXXXXX FL 3 1 C   B   C   B   N/A N/A A   A     Exempt 1
1698266 XXXXXXXXXXX XXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXX Credit UW Credit   UW Credit - UW - Credit Other   XXXXXXXX final XXXXX loan application. Commercial application provided      04/13/2026     A 1 XXXXXXXXXX FL 3 1 C   A   C   A   N/A N/A A   A     Exempt 1
1698267 XXXXXXXXXXX XXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXX Credit Title Policy   Title Policy - is missing.  Final ALTA title policy required.   XXXXXXX provide the title policy. Information provided     06/03/2026     A 1 XXXXXXXXXX OH 3 13 D   A   D   A   N/A N/A A   A     Exempt 1
1698267 XXXXXXXXXXX XXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXX Credit UW Other   UW Other - UW - Title Commitment is missing or requires correction.   XXXXXXXX XXXXXX XXXXXXXXXXX XX XXXXXXXXXXX or XXXXXX XXXXXXX is required to be in the loan file. Title XXXXXXXXXXX provided      06/02/2026     A 1 XXXXXXXXXX OH 3 13 D   A   D   A   N/A N/A A   A     Exempt 1
1698270 XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXX Credit UW Income/Employment   UW Income/Employment - UW - Calculation Discrepancy rental income   XXX multiplier for XXXXXXXXXXX XXXX  with XXXXX XXXXXXX XXX XXXX or XXXX use XXXX rent x XXXXX for XXXXX calculation. XXXX XXXX XXXX   Client waived with compensating factors: XXXXX > XXX where XXXXX is XXXXXXXX XXX XXXXXXX reserves with cash-in XXXXXXX XXX XXX day mtg lates recorded on XXXXX        05/21/2026 B 2 XXXXXXXXXX CA 3 13 C   B   C   B   N/A N/A A   A     Exempt 1
1698271 XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXX Credit Hazard Insurance   Hazard Insurance - Other:   XXXXXXXX insurance does not include premium amount Information provided     06/12/2026     A 1 XXXXXXXXXX FL 3 1 C   B   C   B   N/A N/A A   A     Exempt 1
1698271 XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXX Credit UW Qualifications   UW Qualifications - UW – Exception needed   XXXXXXXXX for property type condotel.   Client waived with compensating factors: XXXX XXXXX where XXXX is minimum required, XXXXXXXX months reserves when XX months is required, XXXXXXXXXXXX residual income  where XXXXXXX is required.       06/11/2026 B 2 XXXXXXXXXX FL 3 1 C   B   C   B   N/A N/A A   A     Exempt 1
1698272 XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXX Credit UW Income/Employment   UW Income/Employment - UW - Missing/Incomplete VOE   XXXXX is missing the XXXXXXX VVOE dated XXXXXXXXXX provided      06/03/2026     A 1 XXXXXXXXXX VA 3 1 D   A   D   A   N/A N/A A   A     Exempt 1
1698274 XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXX Credit UW Credit   UW Credit - UW - Satisfactory 12 mth Mortgage   XXXXXXXXXXXX XXXXXXXXXX  XXXXXXXXXX request XXXXX XXXXXX   COMPENSATING XXXXXXXXX XXXXXXX XXXXXXX XXXXXXX XXXXXXXXXXXXXXX stacked when max XXXX is XXXXX XXXXX XXXXXXX when min. required is XXXXXXX XXXXXX XXXXX XXXX when min required XXXXX XXXXX XXXXXXX months reserves when min reserves required is XX months, XXXXXXXXX is seasoned investor.       06/03/2026 B 2 XXXXXXXXXX OR 3 13 C   B   C   B   N/A N/A A   A     Exempt 1
1698276 XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXX Credit UW Qualifications   UW Qualifications - UW - Cash Back Exceeds Limit   XXXX XXXXX XXXXX on XXXXX XXXXX is XXXXXXXXXXXX XXXXXXXXXXX statement shows borrower is buying out XXXXXX XXXXXXXXX for XXXXXXXXXXX XXX shows equity buyout in that amount. XXXXXXXXXX approval in file from senior management allowing cash back to borrower to exceed XXXXXXXXXXX   Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXX of XXXXXXXX where the max allowed is XXXXX XXXXXXXXX reserves when only XXXXXXXX required, XXXXX of XXXXXX when only XXXXX required, and XXXX fico score where the minimum required is XXX       06/18/2026 B 2 XXXXXXXXXX CA 3 13 C   B   C   B   N/A N/A A   A     Exempt 1
1698276 XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXX Credit UW Credit   UW Credit - UW - Credit Requirements for Program   XXXXX XXXXX program has following credit requirements XXXXXXXX XXXXXXXXX XXXXXXXXX XXXXXXXXX and XXXXXXXXXXXX XXXXX XX reporting XXXXXXXXXX w/ activity in last XXXXXXXXXX or XX reporting XXXXXXXXXX w/ recent activity. XXXXXXXXX only has XX month mortgage history, and XX active account with XXX month history.   Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXX of XXXXXXXX where the max allowed is XXXXX XXXXXXXXX reserves when only XXXXXXXX required, XXXXX of XXXXXX when only XXXXX required, and XXXX fico score where the minimum required is XXX       06/18/2026 B 2 XXXXXXXXXX CA 3 13 C   B   C   B   N/A N/A A   A     Exempt 1
1698277 XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXX Valuation UW Collateral   UW Collateral - UW - Appraisal Other   XXXXX requires properties with XX - XXX XXXXXX with each unit having a minimum unit size of XXXX sq ft. XXXXXXXX ha XX units with XXXX sq ft. XXXXXXXXXX approval from senior management in file allowing for subject units to be less than XXXX sq ft.   Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXX of XXXX where the max allowed is XXXXX XXXXXXXXX reserves when only XXXXXXXX required, and XXXX fico score where the minimum required is XXXX         05/21/2026 B 2 XXXXXXXXXX CA 3 13 C   B   A   A   N/A N/A C   B     Exempt 1
1698279 XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXX Credit UW Credit   UW Credit - UW - Credit Other   XXXX seller is an XXXX owned by the loan originator, resulting in a non-arm's-length transaction. XXXXXXXX documentation evidencing the relationship was fully disclosed and the transaction complies guidelines. Sr. XXXXXXXXXXX approval for a non-arms length transaction on an investment property and to waive the requirement for a letter regarding the relationship      06/09/2026     A 1 XXXXXXXXXX CA 3 1 C   B   C   B   N/A N/A C   B     Exempt 1
1698279 XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXX Valuation UW Collateral   UW Collateral - UW - Appraisal Other   XXXX of the XXXXX units are less than the minimum required XXXX square feet per unit for the XXXXX XXXXX XXXXXXXXX XXXXX XXXXX XXXXXXXXX   Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX  XXXXXX XXXXX with XXXXXX is the minimum; XXXX XXXX when XXXX is the max XXXXX  XXXXXXX mos reserves when XX mos reserves required.       06/07/2026 B 2 XXXXXXXXXX CA 3 1 C   B   C   B   N/A N/A C   B     Exempt 1
1698279 XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXX Valuation UW Collateral   UW Collateral - UW - Appraisal Other   XXXX appraisal notes three vacant units. XXXXXXXXXXX limit the property to a maximum of two vacant units. XXXXXXX provided for all units with two leases beginning same day as closing.   Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX  XXXXXX XXXXX with XXXXXX is the minimum; XXXX XXXX when XXXX is the max XXXXX  XXXXXXX mos reserves when XX mos reserves required.       06/07/2026 B 2 XXXXXXXXXX CA 3 1 C   B   C   B   N/A N/A C   B     Exempt 1
1698279 XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXX Credit UW Credit   UW Credit - UW - Credit Requirements for Program   XXXXXXXX guidelines require a mortgage payment history of XXXXXXXXXX XXXXXXXXX payment history has not been reported on the credit report since XXXXXXXXXX XXXX borrower letter of explanation does not document the mortgage payment history.   Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX  XXXXXX XXXXX with XXXXXX is the minimum; XXXX XXXX when XXXX is the max XXXXX  XXXXXXX mos reserves when XX mos reserves required.       06/07/2026 B 2 XXXXXXXXXX CA 3 1 C   B   C   B   N/A N/A C   B     Exempt 1
1698279 XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXX Credit UW Income/Employment   UW Income/Employment - UW - Income Other   XXXXXXXX guidelines require the borrower to be an experienced multi-family investor. XXXX application reflects ownership of only a commercial property and a single-family investment property for investment management experience.   Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX  XXXXXX XXXXX with XXXXXX is the minimum; XXXX XXXX when XXXX is the max XXXXX  XXXXXXX mos reserves when XX mos reserves required.       06/07/2026 B 2 XXXXXXXXXX CA 3 1 C   B   C   B   N/A N/A C   B     Exempt 1
1698281 XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXX Credit UW Assets   UW Assets - UW - Seller Credit exceeds limit   XXXXXXXXXX approval required for seller concessions exceeding XXX (actual XXXXXXXXX on a XXXXXXX driven purchase. Received XXXXX approval for seller concessions.     06/01/2026     A 1 XXXXXXXXXX TX 3 1 C   A   C   A   N/A N/A A   A     Exempt 1
1698283 XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXX Credit UW Other   UW Other - UW - Complete Purchase Agreement   XXXXXXXX the XXXXXXXXX to the XXXXXXXXX XXXXXXXXXX lowering the sales XXXXX from XXXXXXXXXXXX on the XXXXXXXX XXXXXXXX XXXXXX XXXXXX to XXXXXXXXXXXX listed on the XXXXXX XXXXXXXX XXXXXXXXXXXX Addendum provided      05/26/2026     A 1 XXXXXXXXXX OR 3 1 C   A   C   A   N/A N/A A   A     Exempt 1
1698285 XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXX Credit UW Collateral   UW Collateral - UW - MLS Cancellation for subject property   XXXXXXXX XXXX XXXXXXXXXXXXX for subject property. XXXXXXXXX currently listed for sale on XXXXXXXXXXXX Zillow listing history provided      05/26/2026     A 1 XXXXXXXXXX AZ 3 13 D   A   D   A   N/A N/A A   A     Exempt 1
1698286 XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXX Credit Missing Images   Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation   XXXX appraisal is required in lieu of a XXXXX XXXXXXX with loan amounts greater than XXXXXXX million, second appraisal must be from a different appraiser and at least one of the XXXXX must be XXXXXXXXX approved, there is only XX appraisal from XXXX XXXXXXXX XXXXXXXXXXX in file.       05/26/2026     A 1 XXXXXXXXXX CA 3 3 D   B   D   B   N/A N/A A   A     Exempt 1
1698286 XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXX Credit UW Other   UW Other - UW - Title Commitment is missing or requires correction.   XXXXXX in file reflects insured amount of XXXXXXXXXXXXXXXXX XXXXXXXX insured amount must be at least XXX of XXXXXXXXXXXXXXX Revised title commitment provided      06/04/2026     A 1 XXXXXXXXXX CA 3 3 D   B   D   B   N/A N/A A   A     Exempt 1
1698286 XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXX Credit UW Qualifications   UW Qualifications - UW – Exception needed   XXXXXXXXXXXX XXXXXXXXXXXX required for XXXXX unit investment XXXXX files. XXXXXXXXXX XXXXXXXXX XXXXX XXXXXX   COMPENSATING XXXXXXXXX XXXXXXX XXXXXXX XXXXXXX XXXXXXXXX XXXXX XXXX when min XXXXX required is XXXXX XXXXXXXX months mtg history when only XXXXXXXX mo required, XXXXXXXXX XXXXXXXXXXXXXXX when max XXXX allowed is XXXXX XXXXXXX months reserves when only XXX months reserves required. XXXXXXXXXXXX XXXXXXXXXX       05/26/2026 B 2 XXXXXXXXXX CA 3 3 D   B   D   B   N/A N/A A   A     Exempt 1
1698287 XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXX Valuation UW Collateral   UW Collateral - UW - Appraisal Other   XXXXXX contract states that rental units are not permitted in XXXX XXXXXXXXXXXXXX XXXXXX XXX XXXXXXXXX states builder approval/acknowledgement is required. XXXXXXXXX not found in file. XXXXXXXX documentation showing builder will allow the subject to be a rental/investment property. Received XXXXXXXXXXXXXXXXX approval     05/13/2026     A 1 XXXXXXXXXX FL 3 1 C   A   A   A   N/A N/A C   A     Exempt 1
1698288 XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXX Credit UW Credit   UW Credit - UW - Credit Other   XXXXXXXXXX approval required for a rural property as collateral for a XXXXX refinance.   Approval is granted for a rural property as collateral for a XXXXX refinance. XXXXXXXXXXXXX factors are XXXX XXXX XXXX XXXX post-closing reserves of XXX months XXXX XXXXX XXXXXXXX         05/22/2026 B 2 XXXXXXXXXX CA 3 13 C   B   C   B   N/A N/A A   A     Exempt 1
1698291 XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXX Valuation UW Collateral   UW Collateral - UW - Appraisal Other   XXXXXXXXXXX approved use of XX appraisal and XX appraisal reviews for loan amount of XXXXXXXXXXXXXXX   Client waived with compensating factors: XXXX XXXXX when XXXX was required. XXXX mortgages paid as XXXXXXXXXX months reserves when XXX are required.         05/21/2026 B 2 XXXXXXXXXX CA 3 1 C   B   C   B   N/A N/A C   B     Exempt 1
1698292 XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXX Credit UW Income/Employment   UW Income/Employment - UW - Income Other   XXXXX XXXXXXXXXXX approval XXXXX XXX and XXXX on borrowers work - outlining different services completed.   Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXXX of XXXXXX where the minimum required is XXXXXX XXXX fico score where the minimum required is XXXX         06/04/2026 B 2 XXXXXXXXXX FL 3 1 C   B   C   B   N/A N/A A   A     Exempt 1
1698292 XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXX Credit UW Assets   UW Assets - UW - Asset Other   XXXXX management approval processor cert on XXXXXX   Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXXX of XXXXXX where the minimum required is XXXXXX XXXX fico score where the minimum required is XXXX         06/04/2026 B 2 XXXXXXXXXX FL 3 1 C   B   C   B   N/A N/A A   A     Exempt 1
1698292 XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXX Credit UW Assets   UW Assets - UW - Shorts Funds for Reserves   XXXX guidelines XXX months reserves required for XXXXX under XXXXXXX XXXXXXXXXX have less than XXX months reserves. Sr XXXXX approval received for XXXX months reserves.     06/08/2026     A 1 XXXXXXXXXX FL 3 1 C   B   C   B   N/A N/A A   A     Exempt 1
1698293 XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXX Credit UW Credit   UW Credit - UW - Credit Other   XXXXXXXX final XXXXX XXXXXXXXXXXXX XXXXXXXXX XXXXXXXX worksheet Loan XXXXXXXXXXXXX XXXXXXXXX provided      05/26/2026     A 1 XXXXXXXXXX FL 3 1 C   B   C   B   N/A N/A A   A     Exempt 1
1698293 XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXX Credit UW Credit   UW Credit - UW - Credit Other   XXXXXXXXXX approval required for a XXXXX purchase by a XXXXXX XXXXX XXXXXXXXXXXXXXXX XXXXX XXXXXXXXXX   Approval granted for a XXXXX purchase by a XXXXXX XXXXX XXXXXXXXXXXXXXXX XXXXX XXXXXXXXXXX XXXXXXXXXXXXX factors are XXXX XXXXXXX XXXX XXXX XXX months reserves XXXX satisfactory rental history since XXXXXX       05/22/2026 B 2 XXXXXXXXXX FL 3 1 C   B   C   B   N/A N/A A   A     Exempt 1
1698294 XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXX Credit UW Income/Employment   UW Income/Employment - UW - Income Other   XXX XXXXX XXXXX unit XXXXX XX vacancies. XXXXXXXXXXX require senior management review. XXXXXXXX has XX vacancies. XXXXXXXXXX approval in file allowing XX vacancies.   Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXXX of XXXXXX where the minimum required is XXXXXXX XXXXXXXXX reserves when only XXXXXXXX required, and XXXX fico score where the minimum required is XXX       05/21/2026 B 2 XXXXXXXXXX MD 3 1 C   B   C   B   N/A N/A A   A     Exempt 1
1698296 XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXX Credit Note   Note - Other:   XXXX XXXXXXXXX to the note is not signed by the borrower. Information provided     05/21/2026     A 1 XXXXXXXXXX TX 3 1 C   B   C   B   N/A N/A A   A     Exempt 1
1698301 XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXX Valuation UW Collateral   UW Collateral - UW - Appraisal Other   XXXXXXXXXX provided for unique property with potential for restricted market audience. XXXXXX land legal type listed as condo with XXX driveways. XXXXXXXX market audience appeal.   Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXXX assets with XXXXXXXXXX in reserves after closing; XXXXXXXXX residual income for a XX person XXXX XXXX term real estate owner of primary residence and XXXX home       06/04/2026 B 2 XXXXXXXXXX FL 3 1 C   B   A   A   N/A N/A C   B     Exempt 1
1698305 XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXX Credit UW Qualifications   UW Qualifications - UW – Exception needed   XXXXXXXXXXX for the XXXXX loan program require XXXXXXX XXXXXXXXXXX approval for a condo conversion from apartments to condo complex. XXXXXXXX is a condo conversion in XXXXXXX   Client waived with compensating factors: XXXXX cash down payment using XXXX own funds; no derogatory credit on report.       05/26/2026 B 2 XXXXXXXXXX AL 3 1 C   B   C   B   N/A N/A A   A     Exempt 1
1698308 XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXX Credit Closing Package   Closing Package -    XXXXXXXXX XXXXXXXXX listed the XXXX and should only list the borrowers name on the signature line. XXXXXXX provide updated XXXXXXXXX XXXXXXXXXX Information provided     06/05/2026     A 1 XXXXXXXXXX FL 3 1 C   B   C   B   N/A N/A A   A     Exempt 1
1698308 XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXX Credit UW Qualifications   UW Qualifications - UW – Exception needed   XXX per XXXXXXXXX guidelines, the minimum credit score for a XXXXX loan is XXXXXX XXXXXXXXXX score is XXXXX   Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXXXXXXX reserves is XX months. XXXXXXXXX has XXXXXXX months. XXXXXXXX XXXXX is XXXXXXX XXXXX XXXXX is XXXXXXXX XXXXXXXXX owns primary and XXXX home free and clear.       06/01/2026 B 2 XXXXXXXXXX FL 3 1 C   B   C   B   N/A N/A A   A     Exempt 1
1698309 XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXX Credit UW Qualifications   UW Qualifications - UW - LA/CLA exceeds Max. Limit   XXXXXXXX cash out limit of XXXXXXXXXX with a XXXXX below XXXX XXXX borrower is taking cash out in the amount of XXXXXXXXXXXXXX and the XXXXX ratio is XXXXXX   Client waived with compensating factors: XXXXX is XXXX with a minimum score of XXXXX XXXX borrower is not a XXXXXX time homebuyer and owns primary residence for XXX years. XXXX borrower has reserves of XXXXXXXXXXXXXX or XXX months with required reserves of XXX months.       06/04/2026 B 2 XXXXXXXXXX CA 3 13 D   B   D   B   N/A N/A A   A     Exempt 1
1698309 XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXX Credit UW Collateral   UW Collateral - UW - Appraisal Report invalid or expired   XXXX appraisal was expired in XXXX XXXXXX missing recertification of value. XXXXXXXXX to be no more than XXXX days old and the appraisal was XXXX days old. Received XXXX for recert of value     06/04/2026     A 1 XXXXXXXXXX CA 3 13 D   B   D   B   N/A N/A A   A     Exempt 1
1698311 XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXX Credit UW Credit   UW Credit - UW - Credit Other   XXXXXXXXXXX for the XXXXX loan program require a minimum of XX tradelines. XXXXXXXXX has XX active tradelines.   Client waived with compensating factors: XXXXXXXXXXXX investors (owns several properties in XXXXXXX XXXXXXXX mortgage history on credit report; XXXXX XXXX reserves after close.       06/23/2026 B 2 XXXXXXXXXX NC 3 1 C   B   C   B   N/A N/A A   A     Exempt 1
1698312 XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXX Valuation UW Collateral   UW Collateral - UW - Appraisal Other   XXXX property is a leasehold property requiring client review and approval.   Client waived with compensating factors: XXXXX score is XXXXX required minimum score is XXXXXX XXXX borrowers have reserves of XXXXXXXXXXXXXX or XXX months, and the required reserves are XX months.  XXXX XXXX is XXXX with a max XXXX of XXX       05/29/2026 B 2 XXXXXXXXXX HI 3 1 C   B   A   A   N/A N/A C   B     Exempt 1
1698314 XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXX Credit UW Qualifications   UW Qualifications - UW - LTV/CLTV does not meet parameters   XXXXXX XXXX of XXXXXXXX exceeds the program maximum XXXX of XXXX for a XXXXX XXXXXXXXX with a XXXXX XXXXXXXXXXXXX (actual XXXXXXX   Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXX post-closing reserves of XXXX months XXXX XXXXX payment history of XXX months on the primary residence XXXX seasoned investor.       05/21/2026 B 2 XXXXXXXXXX OR 3 1 C   B   C   B   N/A N/A A   A     Exempt 1
1698317 XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXX Credit UW Qualifications   UW Qualifications - UW – Exception needed   XXXXX XXXXXXXXXXX approval for reverse XXXXX exchange.   Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXXXXXX months reserves when only XXX months required, XXXX fico score where the minimum required is XXX       05/21/2026 B 2 XXXXXXXXXX CA 3 1 C   B   C   B   N/A N/A A   A     Exempt 1
1698317 XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXX Credit Missing Images   Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation   XXXXX appraisal for subject property. received      05/21/2026     A 1 XXXXXXXXXX CA 3 1 C   B   C   B   N/A N/A A   A     Exempt 1
1698317 XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXX Credit Missing Images   Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation   XXX conditional approval document verifying break down of XXXXX calculation used to qualify received      05/21/2026     A 1 XXXXXXXXXX CA 3 1 C   B   C   B   N/A N/A A   A     Exempt 1
1698318 XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXX Credit UW Assets   UW Assets - UW - Shorts Funds for Reserves   XXXXX program with total XXXXX less than XXXXXX requires XXX months reserves.  XXXXXXXXXX are currently short reserves, required XXXXXXXXX verified reserves XXXXXXXXXX XXXXXXXX additional reserves or completed XXXXX XXXXXXXXX documents and final closing disclosure.   Client waived with compensating factors: perfect credit, XX years residence time, XXX years credit depth, seasoned investors.       06/04/2026 B 2 XXXXXXXXXX ID 3 1 C   B   C   B   N/A N/A A   A     Exempt 1
1698320 XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXX Valuation UW Collateral   UW Collateral - UW - Appraisal Other   XXXXXXXXXXX for the XXXXX loan program reflect no one entity may own more than XXXX of the units in projects with XXX or more units or more than XX units in projects with XX to XXX units.   Client waived with compensating factors: XXXXXXXXX is an experience investor, owning multiple properties; XXXXX XXX months reserves after close;        06/05/2026 B 2 XXXXXXXXXX SC 3 1 C   B   A   A   N/A N/A C   B     Exempt 1
1698321 XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXX Credit Closing Package   Closing Package -    XXXXXXX provide the XXXXXXXXX XXXXXXXXXX       06/17/2026     A 1 XXXXXXXXXX WA 3 13 C   A   C   A   N/A N/A A   A     Exempt 1
1698321 XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXX Credit Note   Note - Other:   XXXXX reflects XXXX but the XXXX XXXXXXXXX is missing the XXXXX & XXXXXXXXXXXX XXXXXXX provide the executed XXXX XXXXXXXXX to the note. Information provided     06/18/2026     A 1 XXXXXXXXXX WA 3 13 C   A   C   A   N/A N/A A   A     Exempt 1
1698321 XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXX Credit Missing Images   Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation   XXXXXXXX appraisal and XXXXXXX received      06/16/2026     A 1 XXXXXXXXXX WA 3 13 C   A   C   A   N/A N/A A   A     Exempt 1
1698323 XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXX Credit UW Credit   UW Credit - UW - Credit Other   XXX per XXXXXXXXX guidelines, a cash out letter is required. Cash-out XXXX provided      06/22/2026     A 1 XXXXXXXXXX AR 3 13 C   A   C   A   N/A N/A A   A     Exempt 1
1698324 XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXX Credit UW Collateral   UW Collateral - UW - MLS Cancellation for subject property   XXXXXXXX listed for sale on XXXXXXXXXX and was active at time of appraisal inspection. XXXXXXXX XXXX XXXXXXXXXXXXX for subject property Received evidence of listing removed.     05/27/2026     A 1 XXXXXXXXXX CA 3 13 C   A   C   A   N/A N/A A   A     Exempt 1
1698330 XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXX Credit UW Credit   UW Credit - UW - Credit - Minimum FICO   XXXX borrower's qualifying XXXXX score of XXXXX does not meet the minimum score requirement of XXXX for a XXXXX XXXX XXXXXXXXXX with a XXXXX XXXXXX < XXXXXX   Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXXX XXXXXXXX XXXXXXXXX of XXXXXXX months, XXXXXXX XXXXXXXX dating back to XXXXX (where the guidelines require a XXX month history) and borrower was not a XXXXXX XXXXX XXXXX XXXXXXX       06/04/2026 B 2 XXXXXXXXXX CA 3 13 C   B   C   B   N/A N/A A   A     Exempt 1
1698332 XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXX Credit UW Other   UW Other - UW - Title Commitment is missing or requires correction.   XXXXXX preliminary title is missing from the file. XXXXXXXX one in file but not final. Received final title commitment     06/08/2026     A 1 XXXXXXXXXX PA 3 1 D   A   D   A   N/A N/A A   A     Exempt 1
1698334 XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXX Credit UW Credit   UW Credit - UW - Manual Credit Report Incomplete/Missing   XXXXXXXX the XXXXXXX XXXXXXX for XXXXX XXXXX the credit report for the co-borrower was provided. Credit XXXXXXX provided      06/04/2026     A 1 XXXXXXXXXX OR 3 1 D   A   D   A   N/A N/A A   A     Exempt 1
1698335 XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXX Credit UW Qualifications   UW Qualifications - UW - Incorrect Product Registration   XXXXXX properties are ineligible.   Client waived with compensating factors: XXXXXXXX reserves required, brw verified more than XXX months. XXXXXXXX XXXX XXXX brw XXXX XXXXXXXXXX XXXXXXXX credit user only XX active rev line.        05/28/2026 B 2 XXXXXXXXXX GA 3 1 D   B   C   B   N/A N/A D   A     Exempt 1
1698335 XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXX Valuation UW Collateral   UW Collateral - UW -  Appraisal Report Missing   XXXXXXX does not include a market rent analysis. XXXXXXXXX XXXX property. XXXXXXXX valid market analysis to support XXXXXXXX per month or active lease agreement. Received forms XXXXX & XXX     05/28/2026     A 1 XXXXXXXXXX GA 3 1 D   B   C   B   N/A N/A D   A     Exempt 1
1698337 XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXX Credit UW Qualifications   UW Qualifications - UW – Exception needed   XXX per XXXXXXXXX guidelines, the maximum XXXX for a non-warrantable condo is XXXXXX XXXXX XXXX exceeds that excluding stacking.   Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXXXXXXX XXXXXXXXX income is XXXXXXXXX XXXXX XXXXXXXXX XXXXXXX is XXXXXXXXXXXXX XXXXXXXXX reserves is XX months. XXXXXXXXX has XXXXXXX months. XXXXXX XX properties are owned free and clear.       06/01/2026 B 2 XXXXXXXXXX FL 3 1 D   B   D   B   N/A N/A A   A     Exempt 1
1698337 XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXX Credit UW Credit   UW Credit - UW - Credit Other   XXX per XXXXXXXXX guidelines, the borrower must have XX active tradelines. XXXX of the XX open tradelines are XXXXXXXXXXX XXXXX accounts which cannot be used.   Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXXXXXXX XXXXXXXXX income is XXXXXXXXX XXXXX XXXXXXXXX XXXXXXX is XXXXXXXXXXXXX XXXXXXXXX reserves is XX months. XXXXXXXXX has XXXXXXX months. XXXXXX XX properties are owned free and clear.       06/01/2026 B 2 XXXXXXXXXX FL 3 1 D   B   D   B   N/A N/A A   A     Exempt 1
1698337 XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXX Credit UW Income/Employment   UW Income/Employment - UW - Missing/Incomplete Verbal VOE   XXX per XXXXXXXXX guidelines, a verbal XXXX must be done within XXX business days prior to the XXXXX date. VVOE dated XXXXXXXXXX provided      06/01/2026     A 1 XXXXXXXXXX FL 3 1 D   B   D   B   N/A N/A A   A     Exempt 1
1698339 XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXX Credit Missing Images   Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation   XXXXXXX report for XXXXXXXXX XX (ssn ending xXXXX) and XXXXXXXXX XX (ssn ending xXXXX) were not provided.       06/10/2026     A 1 XXXXXXXXXX OR 3 1 A   A   A   A   N/A N/A A   A     Exempt 1
1698340 XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXX Credit UW Other   UW Other - UW - SS verification   XXXXXXXX documentation validating the borrower's/guarantor's tax payer XXXXXXXXXX security number. Received XXX XXXXXXXX XXXX form notarized with XXX #'s     06/14/2026     A 1 XXXXXXXXXX NC 3 1 C   A   C   A   N/A N/A A   A     Exempt 1
1698344 XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXX Credit Missing Images   Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation   XXXXX is missing XXXXXXX XXXXXXX for XXXXXX XXXXXXXX       06/04/2026     A 1 XXXXXXXXXX FL 3 1 C   B   C   B   N/A N/A A   A     Exempt 1
1698344 XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXX Credit UW Credit   UW Credit - UW - Satisfactory 12 mth Rental   XXXXXXXXXX currently rent and do not currently own a primary for XXXX months, but borrower XX does have a previous mortgage hsitory.   Client waived with compensating factors: XXXX months reserves where XX months is required, XXXXXXXXX mortgage history paid as agreed, XXXXXXX history for past XXX months paid as agreed.       06/04/2026 B 2 XXXXXXXXXX FL 3 1 C   B   C   B   N/A N/A A   A     Exempt 1
1698344 XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXX Credit UW Credit   UW Credit - UW - Credit - Insufficient   XXX does not have any tradelines with balances and has only XX revolving tradeline open credit. XXXXX tradelines are required with XX open.   Client waived with compensating factors: XXXX months reserves where XX months is required, XXXXXXXXX mortgage history paid as agreed, XXXXXXX history for past XXX months paid as agreed.       06/04/2026 B 2 XXXXXXXXXX FL 3 1 C   B   C   B   N/A N/A A   A     Exempt 1
1698345 XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXX Credit Missing Images   Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation   XXXXXXXX the credit report for XXXXXX XXXXX       06/04/2026     A 1 XXXXXXXXXX FL 3 1 C   B   C   B   N/A N/A A   A     Exempt 1
1698345 XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXX Credit UW Qualifications   UW Qualifications - UW – Exception needed   XXX per XXXXXXXXX guidelines, XXXXXXXXXX must have a current mortgage history of XXXXX months. XXXXXXXXXX rent.   Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXXX of XXXXXX where the minimum is XXXXXXX XXXXX mortgage history of XXXXXXXXXX XX months reserves is required. XXX has reserves of XXXXXXXX months.       06/04/2026 B 2 XXXXXXXXXX FL 3 1 C   B   C   B   N/A N/A A   A     Exempt 1
1698345 XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXX Credit UW Qualifications   UW Qualifications - UW – Exception needed   XXX per XXXXXXXXX guidelines, each borrower must have XX trades with XX of those open. XXX does not have this.   Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXXX of XXXXXX where the minimum is XXXXXXX XXXXX mortgage history of XXXXXXXXXX XX months reserves is required. XXX has reserves of XXXXXXXX months.       06/04/2026 B 2 XXXXXXXXXX FL 3 1 C   B   C   B   N/A N/A A   A     Exempt 1
1698354 XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXX Credit UW Credit   UW Credit - UW - Credit Other   XXXXXXX wavier requires XXXXX XXXXXXX XXXX > XXX requires XXXXXXX XXXXXXXXXXX approval.   Client waived with compensating XXXXXXXXX experienced investor. XXXX XXXXX where a minimum XXXX XXXXX required. XXXX lesser of XXXX rent of XXXXXXX used to qualify vs lease of XXXXXXXXX        06/11/2026 B 2 XXXXXXXXXX MI 3 13 C   B   C   B   N/A N/A A   A     Exempt 1
1698357 XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXX Credit UW Income/Employment   UW Income/Employment - UW - Retirement income docs missing/incomplete   XXXXXXXX copy of current XXXX statement showing automated direct deposit or copy of checks or current award letter to evidence XXX XXXXXXXXXXXX monthly XXXX income (in file award letter is from XXXXXXXX Received XXXXXXXX XXXX statement showing deposit of XXX XXXXXXXXXXXX and XXXX XXXXXXXXXXX XXXXXXXXXXX     06/16/2026     A 1 XXXXXXXXXX CA 3 13 D   A   D   A   N/A N/A A   A     Exempt 1
1698357 XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXX Credit UW Income/Employment   UW Income/Employment - UW - Retirement income docs missing/incomplete   XXXXXXXX copy of current XXXX statement showing automated direct deposit or copy of checks or current award letter to evidence XXX XXXXXXXXXXXX monthly XXXX income (in file award letter is from XXXXXXXX Received XXXXXXXX XXXX statement showing deposit of XXX XXXXXXXXXXXX and XXXX XXXXXXXXXXX XXXXXXXXXXX     06/16/2026     A 1 XXXXXXXXXX CA 3 13 D   A   D   A   N/A N/A A   A     Exempt 1
1698358 XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXX Credit UW Qualifications   UW Qualifications - UW - LTV/CLTV does not meet parameters   XXX per XXXXXXXXX guidelines, the maximum XXXX for a XXXXX cash out refinance is XXXXXX XXXX loan XXXX is XXXX and as per the XXXXX XXXXXXXXX the loan is not stacked nor was there a management XXXX exception noted. Received approval with stacked points of XXXXXX     06/14/2026     A 1 XXXXXXXXXX SC 3 13 C   A   C   A   N/A N/A A   A     Exempt 1
1698359 XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXX Credit Closing Package   Closing Package -    XXXXXXX provide the XXXXXXXXX XXXXXXXXXX Information provided     06/17/2026     A 1 XXXXXXXXXX IN 3 13 C   A   C   A   N/A N/A C   A     Exempt 1
1698359 XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXX Valuation UW Collateral   UW Collateral - UW - Appraisal Other   XXXXXXXXXX states that the subject was put for sale on XXXXXXXX and then removed on XXXXXXXXXX XXX XXXX submitted. Received XXXX from borrower     06/16/2026     A 1 XXXXXXXXXX IN 3 13 C   A   C   A   N/A N/A C   A     Exempt 1
1698359 XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXX Credit UW Other   UW Other - UW - Evidence of legal residency   XXXXXXXXX is a XXXXXXXXXX XXXXXXXXX XXXXXX but XXXX proof is not in the file. XXXXX proof of residency. PRA card provided XXXXXXXX XXXXXXX     06/18/2026     A 1 XXXXXXXXXX IN 3 13 C   A   C   A   N/A N/A C   A     Exempt 1
1698360 XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXX Valuation UW Collateral   UW Collateral - UW - Appraisal Other   XXXXXXXXXXXXX with time share units not permitted.   Client waived with compensating factors: XXXXXXXXXXXX XXXXXXXXXX XXXXXXXXX mortgage history paid as agreed, XXX months reserve when XX months required, XXXX XXXXX when XXXX required.        06/10/2026 B 2 XXXXXXXXXX SC 3 1 C   B   A   A   N/A N/A C   B     Exempt 1
1698362 XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXX Credit UW Credit   UW Credit - UW -  Correct/Corrected Credit Report   XXXXXXX report for XXXXXXXXXXXX (ssn ending xXXXX) was not provided. Credit XXXXXXX provided     06/08/2026     A 1 XXXXXXXXXX TX 3 1 C   B   C   B   N/A N/A A   A     Exempt 1
1698362 XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXX Credit UW Qualifications   UW Qualifications - UW – Exception needed   XXXXXXXXXXX require XXXXXXX XXXXXXXXXXX approval for a non-warrantable condo due to lack of reserves. XXXX has no reserves budgeted.   Client waived with compensating factors: XXXX XXXX of XXXXXXXX XXXXXXXXX with stack points); XXXXXXXXXXX income from co-borrower not included; over XXX months reserves       06/08/2026 B 2 XXXXXXXXXX TX 3 1 C   B   C   B   N/A N/A A   A     Exempt 1
1698364 XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXX Credit Closing Package   Closing Package -    XXXXXXX provide the XXXXXXXXX XXXXXXXXXX Information provided     06/11/2026     A 1 XXXXXXXXXX IL 3 1 C   A   C   A   N/A N/A A   A     Exempt 1
1698365 XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXX Credit Closing Package   Closing Package -    XXXXXXX provide the XXXXXXXXX XXXXXXXXXX In file.      06/15/2026     A 1 XXXXXXXXXX CA 3 1 C   B   C   B   N/A N/A A   A     Exempt 1
1698365 XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXX Credit Missing Images   Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation   XXXXXX report with insured and insurance amount.       06/15/2026     A 1 XXXXXXXXXX CA 3 1 C   B   C   B   N/A N/A A   A     Exempt 1
1698365 XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXX Credit Missing Images   Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation   XXXXX was not found in the documents       06/15/2026     A 1 XXXXXXXXXX CA 3 1 C   B   C   B   N/A N/A A   A     Exempt 1
1698365 XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXX Credit UW Qualifications   UW Qualifications - UW – Exception needed   XXX per XXXXXXXXX guidelines, the minimum subject size is XXXX XXXXX XXXXXXXX is smaller than XXXX XXXX   Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXXXXXX mortgage is XXXXXXXXXX XXXXXXXXX residual income is XXXXXXXXX XXXXXXX is XXXXXXXXXXXXXXX XX months reserves are required. XXXXXXXXX has XXXXXXX months.       06/15/2026 B 2 XXXXXXXXXX CA 3 1 C   B   C   B   N/A N/A A   A     Exempt 1
1698367 XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXX Credit Missing Images   Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation   XXXXXX XXXXXXXXXXXX loan analysis sheet. XXXXXX XXXXX XXXXXXXX is in file.       06/09/2026     A 1 XXXXXXXXXX NV 3 1 C   B   C   B   N/A N/A A   A     Exempt 1
1698367 XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXX Credit UW Qualifications   UW Qualifications - UW – Exception needed   XXX per XXXXXXXXX guidelines, each unit/property must be a minimum of XXXX XXXXX XXXXXXXX is smaller than XXXX XXXX   Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXXXXXX XXXXX is XXXXXXX XXXXX XXXXX is XXXXXXXX  XX months reserves are required. XXXXXXXXX has XXXXXXX months. XXXXXXXX mortgage history.       06/09/2026 B 2 XXXXXXXXXX NV 3 1 C   B   C   B   N/A N/A A   A     Exempt 1
1698368 XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXX Credit UW Collateral   UW Collateral - UW - Client Condo Warranty Requirements   XXXX subject property XXXX of XXXX sq ft, does not meet the guideline minimum of XXXX sq ft.   Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXXX mortgage payment history, XXXXXXXXXXX XXXXX of XXXX and XXXXX XXXXXXXX XXXXXXXXX of XXX months.        06/09/2026 B 2 XXXXXXXXXX NV 3 1 C   B   C   B   N/A N/A A   A     Exempt 1
1698371 XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXX Credit UW Qualifications   UW Qualifications - UW – Exception needed   XXXXXXXXXX need for XX of the XX units XXXXXXXXXXXX and XXXX square feet < XXXX square feet required per unit per guidelines under the XXXXX XXXXX XXXXX XXXXXXXXX   Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXXXXX months reserves when only XX months required, XXXXX of XXXXXX where the minimum required is XXXXX and XXXX fico score where the minimum required is XXXXX       06/17/2026 B 2 XXXXXXXXXX CA 3 1 C   B   C   B   N/A N/A A   A     Exempt 1
1698372 XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXX Credit Deed of Trust/Mortgage   Deed of Trust/Mortgage - is missing.   XXX deed in file Information provided     06/08/2026     A 1 XXXXXXXXXX CA 3 1 D   B   D   B   N/A N/A C   B     Exempt 1
1698372 XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXX Credit UW Credit   UW Credit - UW - Fraud Alert documentation   XXXXXX report missing from file and is required on all files. Information provided     06/08/2026     A 1 XXXXXXXXXX CA 3 1 D   B   D   B   N/A N/A C   B     Exempt 1
1698372 XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXX Credit UW Qualifications   UW Qualifications - UW – Exception needed   XXXXXXXXXXXX XXXXXXXX mortgage rating. XXXXXXXXXX XXXXXXXXX XXXXX on XX mtgs all reported XXXXXXXX   COMPENSATING XXXXXXXXX XXXXXXX XXXXXXX XXXXXXX XXXXXXXXX XXXXX XXXXXX when XXXXX XXXXXXX required, XXXXX XXXX when min XXXXX required is XXXXX XXXXXXX months reserves when only XXXXXXXXX reserves required for XXX XXXXXXXXXXXXXX XXXXXXXXX experienced investor owning XX properties to include XXXXXXX and commercial properties.       06/05/2026 B 2 XXXXXXXXXX CA 3 1 D   B   D   B   N/A N/A C   B     Exempt 1
1698372 XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXX Valuation UW Collateral   UW Collateral - UW - Satisfactory 2nd Appraisal Report   XXXXXXXXXXXX XXXX appraisal report is required for XXX greater than XXXXXXX million. XXXXXXXXXX XXXXXXXXX XXXXXX XXXX appraisal-obtain appraisal and appraisal review.   COMPENSATING XXXXXXXXX XXXXXXX XXXXXXX XXXXXXX XXXXXXXXX XXXXX XXXXXX when XXXXX XXXXXXX required, XXXXX XXXX when min XXXXX required is XXXXX XXXXXXX months reserves when only XXXXXXXXX reserves required for XXX XXXXXXXXXXXXXX XXXXXXXXX experienced investor owning XX properties to include XXXXXXX and commercial properties.       06/05/2026 B 2 XXXXXXXXXX CA 3 1 D   B   D   B   N/A N/A C   B     Exempt 1
1698372 XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXX Credit UW Qualifications   UW Qualifications - UW – Exception needed   XXXXXXXXXXXX XXXXXXXXX family requires experienced multi family investor XXXXXXXXXX XXXXXXXXX XXXXXXXXX does not have multifamily experience, does own XX investment properties including XX unit and commercial properties.   COMPENSATING XXXXXXXXX XXXXXXX XXXXXXX XXXXXXX XXXXXXXXX XXXXX XXXXXX when XXXXX XXXXXXX required, XXXXX XXXX when min XXXXX required is XXXXX XXXXXXX months reserves when only XXXXXXXXX reserves required for XXX XXXXXXXXXXXXXX XXXXXXXXX experienced investor owning XX properties to include XXXXXXX and commercial properties.       06/05/2026 B 2 XXXXXXXXXX CA 3 1 D   B   D   B   N/A N/A C   B     Exempt 1
1698374 XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXX Credit Missing Images   Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation   XXXXX income is XXX months XXXXX XXXXXXXXXXXXX XXX mo XXXX statement spread sheet is missing from documents to verify the income.       06/23/2026     A 1 XXXXXXXXXX FL 3 1 D   A   D   A   N/A N/A A   A     Exempt 1
1698374 XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXX Credit UW Income/Employment   UW Income/Employment - UW - Missing/Incomplete VOE   XXX per XXXXXXXXX guidelines. a verbal XXXX must be completed at least XXX days prior to the note date. Received XXX day XXXX     06/23/2026     A 1 XXXXXXXXXX FL 3 1 D   A   D   A   N/A N/A A   A     Exempt 1
1698376 XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXX Credit Hazard Insurance   Hazard Insurance - If Condo, blanket coverage policy is missing    XXXXXXX provide the condo master policy. Information provided     06/17/2026     A 1 XXXXXXXXXX FL 3 1 C   B   C   B   N/A N/A C   B     Exempt 1
1698376 XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXX Credit Title Policy   Title Policy - is missing.  Final ALTA title policy required.   XXXXXXX provide the title policy. Information provided     06/17/2026     A 1 XXXXXXXXXX FL 3 1 C   B   C   B   N/A N/A C   B     Exempt 1
1698376 XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXX Valuation UW Collateral   UW Collateral - UW - Appraisal Other   XXXXXXXXX type of XXXXXXXXX requires XXXXXXX XXXXXXXXXXX approval on all programs. XXXXXXXXXX approval from XXXXXXX XXXXXXXXXXX in file allowing for property type to be XXXXXXXXXX   Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXXXXXX reserves when only XXXXXXX required, XXXXXXXXX income of XXXXXXX when only XXXXXXX required and XXXX fico score where the minimum required is XXX       06/16/2026 B 2 XXXXXXXXXX FL 3 1 C   B   C   B   N/A N/A C   B     Exempt 1
1698376 XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXX Valuation UW Collateral   UW Collateral - UW - Appraisal Other   XXXXXXXX property square feet to be XXXX on all programs. XXXXXXXX is XXXX sq ft, XXXXXXXXXX approval in file allowing for subject to be under XXXX sq ft.   Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXXXXXX reserves when only XXXXXXX required, XXXXXXXXX income of XXXXXXX when only XXXXXXX required and XXXX fico score where the minimum required is XXX       06/16/2026 B 2 XXXXXXXXXX FL 3 1 C   B   C   B   N/A N/A C   B     Exempt 1
1698376 XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXX Credit UW Credit   UW Credit - UW - Credit Requirements for Program   XXXXXXXXX XXXXX XXXXX program required the following credit tradelines XX XXXXXXXXXXXXX XXXXXXXXX year history. XXXXXXXXX has XX active tradelines. XXXXXXXXXX approval in file allowing for limited tradelines.   Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXXXXXX reserves when only XXXXXXX required, XXXXXXXXX income of XXXXXXX when only XXXXXXX required and XXXX fico score where the minimum required is XXX       06/16/2026 B 2 XXXXXXXXXX FL 3 1 C   B   C   B   N/A N/A C   B     Exempt 1
1698378 XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXX Credit UW Qualifications   UW Qualifications - UW – Exception needed   XXXXXXXXXXXX XXXXX XXXXXX max XXXX XXXX for XXX XXXXXXXX XXXXXXXXXX XXXXXXXXX XXXXX XXXXXX XXXX under XXXX at XXX   COMPENSATING XXXXXXXXX XXXXXXX XXXXXXX XXXXXXX XXXXXXXXX XXXXX XXXX when min required XXXXX is XXXXX XXXXX XXXXXX when min required is XXXXXX XXXXXXX months reserves when only XXX months are required. XXXXXXXX months when only requires XXXXXXXXX       06/09/2026 B 2 XXXXXXXXXX MA 3 3 C   B   C   B   N/A N/A C   B     Exempt 1
1698378 XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXX Valuation UW Collateral   UW Collateral - UW - Satisfactory 2nd Appraisal Report   XXXXXXXXXXXX XXX over XXXXXXXXXXXX requires XXXX appraisal XXXXXXXXXX XXXXXXXXX XX XXXXXXXXXX and XX reviews   COMPENSATING XXXXXXXXX XXXXXXX XXXXXXX XXXXXXX XXXXXXXXX XXXXX XXXX when min required XXXXX is XXXXX XXXXX XXXXXX when min required is XXXXXX XXXXXXX months reserves when only XXX months are required. XXXXXXXX months when only requires XXXXXXXXX       06/09/2026 B 2 XXXXXXXXXX MA 3 3 C   B   C   B   N/A N/A C   B     Exempt 1
1698379 XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXX Credit UW Other   UW Other - UW - Title Commitment is missing or requires correction.   title to reflect correct loan amount/insured amount of XXXXXXXXX vs currently reflected of XXXXXXXXX Received revised title     06/24/2026     A 1 XXXXXXXXXX NV 3 1 D   B   D   B   N/A N/A A   A     Exempt 1
1698379 XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXX Credit UW Qualifications   UW Qualifications - UW – Exception needed   XXXXXXXXXXXXXXXX condos not permitted with XXXXX < XXXXXXXX XXXXXXXX is a non-warrantable condo with XXXXX XXXXXXX   Client waived with compensating factors: XXXXXXXX credit, XXX years credit depth, seasoned investor.        06/24/2026 B 2 XXXXXXXXXX NV 3 1 D   B   D   B   N/A N/A A   A     Exempt 1
1698380 XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXX Credit UW Other   UW Other - UW - Initial/Final 1003 incomplete/missing   XXXXXXXX corrected copy of final XXXXXXX XXXX copies provided have XXXXXXXXXXXX XXXXXXXXX XX answered XXXX that borrower will occupy subject property as primary residence. Received revised XXXX     06/16/2026     A 1 XXXXXXXXXX UT 3 1 D   A   D   A   N/A N/A A   A     Exempt 1
1698381 XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXX Credit Missing Images   Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation   XXXXXXXX missing credit reports for XXX and XXXXX       06/24/2026     A 1 XXXXXXXXXX OR 3 1 A   A   A   A   N/A N/A A   A     Exempt 1
1698382 XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXX Valuation Appraisal   Appraisal - is missing   XXXXXXX provide the appraisal. Appraisal in file     06/23/2026     A 1 XXXXXXXXXX FL 3 1 C   A   C   A   N/A N/A C   A     Exempt 1
1698270 XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXX Credit UW Assets   UW Assets - UW - Shorts Funds for Reserves   XXX months reserves required on XXXXXXXX XXXXXXXXX XXXXX program. XXXXXXXX hand XXXXXXXXXXXXXXX XXX months XXXXXXXXXXXXXX XXXXXX XXXXXXXXXXXXX Information provided   Reviewer 05/21/2026 03:23 PM; XXXX.XX x XXX = XXXXXXXXXXXXXX

05/21/2026     A 1 XXXXXXXXXX CA 3 13 C   B   C   B   N/A N/A A   A     Exempt 1
1698285 XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXX Credit UW Other   UW Other - UW - Insurance Missing (MI or Project)   XXXXXXXX evidence of six XXXXXX months rent loss insurance coverage. Received XXXX for rent loss included in XXXXXXXXXXX XXXXXXX XXXXXXXX coverage   Reviewer 05/27/2026 12:58 PM; Document received was not the XXXX insurance policy with XX months rent loss coverage.

 06/04/2026     A 1 XXXXXXXXXX AZ 3 13 D   A   D   A   N/A N/A A   A     Exempt 1
1698291 XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXX Credit UW Qualifications   UW Qualifications - UW – Exception needed   XXXXXXXXX with XXXX experience in lieu of multifamily investment experience.   Client waived with compensating factors: XXXX XXXXX when XXXX was required. XXXX mortgages paid as XXXXXXXXXX months reserves when XXX are required.   Reviewer 05/21/2026 02:38 PM; Client waived with compensating factors: XXXX XXXXX when XXXX was required. XXXX mortgages paid as XXXXXXXXXX months reserves when XXX are required.  

     05/21/2026 B 2 XXXXXXXXXX CA 3 1 C   B   C   B   N/A N/A C   B     Exempt 1
1698297 XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXX Credit Closing Package   Closing Package - IEADS Initial Escrow Account Disclosure Missing or Incorrect   XXXXXX XXXXXXXX XXXXXXXX does not equal XXXXXXXXXXX XXXXXXXX XXXXXXX XXXXXXXX XXXXXXXXX     Client 05/21/2026 06:16 PM; Please clarify rating. XXX XXXXXXXXXX XXX please waive. XXXXXX you.

 Reviewer 05/21/2026 07:12 PM;

 Reviewer 05/22/2026 10:30 AM; Hello&#x0D;
XXXXX has been cleared.&#x0D;
&#x0D;
XXXXXX

 05/22/2026     A 1 XXXXXXXXXX TX 3 1 B   A   B   A   N/A N/A A   A     Exempt 1
1698306 XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXX Credit UW Credit   UW Credit - UW - Credit - Insufficient   XXX per XXXXXXXXX guidelines, the minimum credit is XX tradelines- XX active with a XX year history. XXXX XXXXX of XXXXXXXX trade is an authorized user account. Credit XXXXXXXXXXX provided    Client 05/26/2026 12:20 PM; The borrower has XX mortgages – however XX are not reporting on the credit report. XXXX broker submitted a credit supplement along with XXX month statements verifying payments were made for XXXXXXX XXXXXXXXXX as well as XXXXXXXXX XXXXXXXXXXXX XXXXX would result in XX active tradelines XX closed accounts.

 Reviewer 05/26/2026 01:31 PM; Condition has been reviewed

05/26/2026     A 1 XXXXXXXXXX IL 3 13 C   A   C   A   N/A N/A A   A     Exempt 1
1698330 XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXX Credit UW Collateral   UW Collateral - UW - Appraisal Correction/Clarification   XXXXXX XX and XX of the appraisal report identify the subject property as being located within a XXXXXXXX XXXXX XXXXXXXXXXXX XXXXXXXX with XXXX dues of XXXXXX per month; however, a XXXX XXXXXX was not found in the loan file. XXX addition, the lender did not include the XXXXXX monthly XXXX dues in the XXXXX calculation. XXXXXXXXXXXXXX is needed regarding the XXXX status of the property. Received revised appraisal and google search reflects property is XXXX and not in a XXX   Reviewer 06/14/2026 04:33 PM; Documents received did not include any additional information confirming or refuting the subject being in a XXXXX

 06/16/2026     A 1 XXXXXXXXXX CA 3 13 C   B   C   B   N/A N/A A   A     Exempt 1
1698374 XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXX Credit Missing Images   Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation   XXXXX income is XXX months XXXXX XXXXXXXXXXXXX XXX mo XXXX statement spread sheet is missing from documents to verify the income. Duplicate condition   Client 06/23/2026 11:42 AM; XXXX spread has already been uploaded. XXXXXXXX

 Reviewer 06/23/2026 12:26 PM; Email sent to auditor

 06/23/2026     A 1 XXXXXXXXXX FL 3 1 D   A   D   A   N/A N/A A   A     Exempt 1
1698382 XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXX Credit Missing Images   Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation   XXXXX is missing the full appraisal. Document is in file   Client 06/23/2026 11:34 AM; Appraisal has been uploaded already. XXXXXXXX

 Reviewer 06/23/2026 12:26 PM; Email sent to auditor

 06/23/2026     A 1 XXXXXXXXXX FL 3 1 C   A   C   A   N/A N/A C   A     Exempt 1
1698344 XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXX Credit UW Credit   UW Credit - UW - Credit - Minimum FICO   XXXXXXXX borrower mid score of XXXX does not meet min required score of XXXXX Per XXXXXXXXX guidelines, for the XXXXX program, the highest mid XXXXX score is used for qualification. XXXX is the highest mid XXXX   Client 06/04/2026 03:29 PM; Hi, per XXXXXXXXX guidelines, highest mid XXXXX score is allowed for XXXXX loans. XXXXXXXX

 Reviewer 06/05/2026 11:34 AM; Condition has been reviewed

06/05/2026     A 1 XXXXXXXXXX FL 3 1 C   B   C   B   N/A N/A A   A     Exempt 1
1698351 XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXX Valuation UW Collateral   UW Collateral - UW - Appraisal Other   XXXXX XXXXXXXXXXX approval required for all units under XXXX sq ft.   Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXXXXX months reserves when only XX months required and XXXXXXXX score where the minimum required is XXXXX Reviewer 06/23/2026 10:26 AM;

    06/23/2026 B 2 XXXXXXXXXX FL 3 13 C   B   A   A   N/A N/A C   B     Exempt 1
1698279 XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXX Credit Compliance   Compliance - CD- Other   XXXXXXX provide XXXXX that reflects the correct closing & prepaid interest start dates. Information provided   Client 06/05/2026 05:15 PM; Hi, if XXXXXX grade, please waive. XXXXX is a business purpose loan, reg XX does not apply. XXXXXXX

 Reviewer 06/07/2026 04:29 PM;

 Reviewer 06/08/2026 11:14 AM; please provide XXXXX or final settlement statement reflecting correct closing/funding/disbursement date of XXX

 Reviewer 06/08/2026 11:15 AM; Hello&#x0D;
please provide XXXXX or final settlement statement reflecting correct closing/funding/disbursement date of XXXXX
&#x0D;
XXXXXX

 06/09/2026     A 1 XXXXXXXXXX CA 3 1 C   B   C   B   N/A N/A C   B     Exempt 1
1698296 XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXX Credit UW Credit   UW Credit - UW - Credit Other   XXX discretion to extend credit to XXX days.   Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXXXXXX months reserves when only XX months required, XXXX fico score where the minimum required is XXXXX XXXXX of XXXXXX where the minimum required is XXXX Reviewer 05/20/2026 12:20 PM;

    05/20/2026 B 2 XXXXXXXXXX TX 3 1 C   B   C   B   N/A N/A A   A     Exempt 1
1698310 XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXX Credit UW Collateral   UW Collateral - UW - Appraisal Correction/Clarification   XXX is appraisal with a picture of missing smoke detectors. XXXXXXX smoke detectors are in place. Photos of the smoke detectors provided    Reviewer 05/29/2026 09:48 AM; Documents provided did not verify smoke detectors are in place.

 Reviewer 06/05/2026 12:31 PM; Document received is a blank page

 06/11/2026     A 1 XXXXXXXXXX RI 3 13 C   A   C   A   N/A N/A A   A     Exempt 1
1698317 XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXX Credit UW Qualifications   UW Qualifications - UW - LTV/CLTV does not meet parameters   XXXXX management approval required for XXXX exceeding max of XXXXXX   Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXXXXXX months reserves when only XXX months required, XXXX fico score where the minimum required is XXX Reviewer 05/21/2026 08:41 AM;

    05/21/2026 B 2 XXXXXXXXXX CA 3 1 C   B   C   B   N/A N/A A   A     Exempt 1
1698379 XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXX Credit UW Qualifications   UW Qualifications - UW – Exception needed   XXXXXXXXXXX do not allow XXXX XXXXXXXXXXXX XXXXXXX under the XXXXX XXXXXXXXXX XXXXXXXX is a non-warrantable condo with XXXXX XXXXXXX   Client waived with compensating factors: XXXXXXXX credit, XXX years credit depth, seasoned investor. Client 06/24/2026 03:08 PM; The XXXXX was approved at prequal and the compensating factors are listed at the bottom of the loan approval. XXXXXXX clear or escalate further. XXXXXX you.

 Reviewer 06/24/2026 05:31 PM; Condition has been reviewed

    06/24/2026 B 2 XXXXXXXXXX NV 3 1 D   B   D   B   N/A N/A A   A     Exempt 1
1698359 XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXX Credit UW Other   UW Other - UW - Data Input Error   XXX states the property is vacant. XXXXXXXXXX shows pictures of an occupied property and the appraiser states it is tenant occupied. XXXXX lease for subject property. LOE uploaded indicates the property is currently being used as a short-term rental XXXXXXXXXXXX   Client 06/16/2026 01:57 PM; LOE uploaded indicates the property is currently being used as a short term rental XXXXXXXXXXXXX

 Reviewer 06/16/2026 02:47 PM; Condition has been reviewed

06/16/2026     A 1 XXXXXXXXXX IN 3 13 C   A   C   A   N/A N/A C   A     Exempt 1
1698352 XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXX Credit UW Income/Employment   UW Income/Employment - UW - Income Other   XXXXX less than XXXXX but over XXXXX approved by XXXXX XXXXXXXXXXXXX   Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXXXXX months reserves when only XXX months required. Reviewer 06/15/2026 10:48 AM;

    06/15/2026 B 2 XXXXXXXXXX FL 3 1 C   B   C   B   N/A N/A A   A     Exempt 1
1698382 XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXX Credit Hazard Insurance   Hazard Insurance - is missing.   XXXXXXX provide the hazard policy.     Client 06/24/2026 11:17 AM; Hi, XXXX has been uploaded to the file. XXXXXXXX

 Reviewer 06/24/2026 01:20 PM; Thank you!

 Reviewer 06/24/2026 03:40 PM;

06/24/2026     A 1 XXXXXXXXXX FL 3 1 C   A   C   A   N/A N/A C   A     Exempt 1