Loan Number

Seller Loan Number

Originator

Last Name

Note Date

Original Balance

State

TPR QM ATR Status

Loan Status

Exception Date

Remediation Status

Exception ID

Exception Type

Exception Category

Exceptions

Exception Rebuttal

Exception Rebuttal Date

Exception Rebuttal Response

Exception Rebuttal Response Date

Compensating Factors

Initial Overall Loan Grade

Final Overall Loan Grade

Initial Exception Grade

Final Exception Grade

Initial Credit Grade

Final Credit Grade

Initial Property Valuation Grade

Final Property Valuation Grade

Initial Compliance Grade

Final Compliance Grade

Initial Overall Grade (DBRS/Morningstar)

Initial Credit Grade (DBRS/Morningstar)

Initial Property Valuation Grade (DBRS/Morningstar)

Initial Compliance Grade (DBRS/Morningstar)

Initial Overall Grade (Fitch)

Initial Credit Grade (Fitch)

Initial Property Valuation Grade (Fitch)

Initial Compliance Grade (Fitch)

Initial Overall Grade (Kroll)

Initial Credit Grade (Kroll)

Initial Property Valuation Grade (Kroll)

Initial Compliance Grade (Kroll)

Initial Overall Grade (Moodys)

Initial Credit Grade (Moodys)

Initial Property Valuation Grade (Moodys)

Initial Compliance Grade (Moodys)

Initial Overall Grade (S&P)

Initial Credit Grade (S&P)

Initial Property Valuation Grade (S&P)

Initial Compliance Grade (S&P)

Final Overall Grade (DBRS/Morningstar)

Final Credit Grade (DBRS/Morningstar)

Final Property Grade (DBRS/Morningstar)

Final Compliance Grade (DBRS/Morningstar)

Final Overall Grade (Fitch)

Final Credit Grade (Fitch)

Final Property Grade (Fitch)

Final Compliance Grade (Fitch)

Final Overall Grade (Kroll)

Final Credit Grade (Kroll)

Final Property Grade (Kroll)

Final Compliance Grade (Kroll)

Final Overall Grade (Moodys)

Final Credit Grade (Moodys)

Final Property Grade (Moodys)

Final Compliance Grade (Moodys)

Final Overall Grade (S&P)

Final Credit Grade (S&P)

Final Property Grade (S&P)

Final Compliance Grade (S&P)

450100001

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Loan Review Complete

01/22/2026

Resolved

FCOM9186

Compliance

eSigned Documents Consent is Missing

The eSigned consent disclosure is missing. The eSigned documents consent is missing for initial disclosures esigned XX/XX/XXXX or prior.

uploaded proof of eConsent acknowledgement by both borrowers on pages XXX and XXX I highlighted in the last columns on each page.

02/06/2026

Evidence of eConsent is provided.; Material

02/09/2026

Original CLTV is Below the Guideline Maximum - Calculated CLTV of 31.85% is less than Guideline CLTV of 80% Calculated CLTV of 31.85% is less than Guideline CLTV of 80% Calculated CLTV of 31.85% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 31.85% is less than Guideline LTV of 80% Calculated LTV of 31.85% is less than Guideline LTV of 80% Calculated LTV of 31.85% is less than Guideline LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Calculated DTI of XXX% is less than Guideline DTI of XXX% Calculated DTI of XXX% is less than Guideline DTI of XXX%

C

A

B

A

C

A

A

A

B

A

C

C

A

B

C

C

A

B

C

C

A

B

C

C

A

B

C

C

A

B

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

450100001

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Loan Review Complete

01/22/2026

Resolved

FCRE3606

Credit

HMDA Data Tape Not Provided

Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply.

HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided.; Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply.

01/26/2026

Original CLTV is Below the Guideline Maximum - Calculated CLTV of 31.85% is less than Guideline CLTV of 80% Calculated CLTV of 31.85% is less than Guideline CLTV of 80% Calculated CLTV of 31.85% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 31.85% is less than Guideline LTV of 80% Calculated LTV of 31.85% is less than Guideline LTV of 80% Calculated LTV of 31.85% is less than Guideline LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Calculated DTI of XXX% is less than Guideline DTI of XXX% Calculated DTI of XXX% is less than Guideline DTI of XXX%

C

A

C

A

C

A

A

A

B

A

C

C

A

B

C

C

A

B

C

C

A

B

C

C

A

B

C

C

A

B

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

450100003

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Loan Review Complete

02/17/2026

Resolved

FCRE3606

Credit

HMDA Data Tape Not Provided

Loan is pending HMDA data review. Additional conditions may apply.

HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided.

02/23/2026

Borrower has stable job time - Borrower has XXX years on job.

C

A

C

A

C

A

A

A

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

450100005

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Loan Review Complete

02/23/2026

Rescinded

finding-4001

Compliance

TRID Disclosure Delivery Date Validation Test

This loan failed the TRID disclosure delivery date validation test he loan contains one of the following conditions:A revised loan estimate delivery date is before the initial loan estimate revised closing disclosure is before the initial closing disclosure closing disclosure delivery date is on or before a loan estimate delivery date post-consummation revised closing disclosure delivery date is on or before a closing disclosure delivery date or loan estimate delivery date.

; Rescinded as there is no issue with date of PCCD received.

03/30/2026

D

B

A

A

D

A

C

A

C

B

D

D

C

C

D

D

C

C

D

D

C

C

D

D

C

C

D

D

C

C

B

A

A

B

B

A

A

B

B

A

A

B

B

A

A

B

B

A

A

B

450100005

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Loan Review Complete

02/23/2026

Resolved

finding-3621

Compliance

TRID Post-Consummation Revised Closing Disclosure Date and Consummation Date Validation Test

This loan failed the TRID post-consummation revised closing date and consummation date validation test his loan contains a post-consummation revised closing disclosure delivery date that is before the consummation date, or closing/settlement date if consummation date was not provided. Please review the loan data to ensure the dates are in the correct fields.

; Rescinded as there is no issue with date of PCCD received.

03/30/2026

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 53% is less than Guideline CLTV of 65% | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 53% is less than Guideline LTV of 65%

D

B

C

A

D

A

C

A

C

B

D

D

C

C

D

D

C

C

D

D

C

C

D

D

C

C

D

D

C

C

B

A

A

B

B

A

A

B

B

A

A

B

B

A

A

B

B

A

A

B

450100005

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Loan Review Complete

02/17/2026

Resolved

FCRE1185

Credit

AUS Partially Provided

AUS Partially Provided Possible occupancy issue. The loan was completed as a primary residence but the appraisal reflects almost no furniture in the home, all income information has the address of XXX XXX, XXX, XXX as well as tax returns and bank Statements. Nothing was located in loan file verifying borrower is going to make this property a primary residence.

I don't understand the issue with occupancy as it is a primary residence and all the important docs have subject property so there should be no question about occupancy. ; All the documents for mailing address is the subject property, tax returns, bank Statements and pay stubs; The HOI States this is their primary residence. see page XXX under rating information

03/06/2026

Upon further review, the file contains a signed occupancy affidavit, current for mailing address is the subject property, tax returns, bank Statements and pay stubs. Condition cleared. ; Review for occupancy concerns: This transaction was a Refi R/T of XXX XXX disclosed as the borrower(s) primary residence. Upon additional review the XX/XX/XXXX tax returns *pg XXX /XXX), paystub (pg XXX), 401k Statement (pg XXX), and homeowner's insurance (pg XXX) all lit the borrower address as XXX XXX. The property tax bill for XXX XXX (pg XXX) shows no homeowner exemption for tax years XX/XX/XXXX - XX/XX/XXXX, consistent with the borrower's acquisition of the property in XXX and property tax bill (pg XXX) indicates homeowner exemption for property XXX. Appraisal photos indicate predominantly unfurnished space. An Occupancy Affidavit (pg XXX) was signed at closing. The LOX (pg XXX) State that the subject property has not undergone significant remodeling, renovation, or deterioration, but does not address the borrower's current occupancy for the subject property.; Occupancy issue remains due to tax records indicate there are no homeowner exemptions for the subject property in XXX and XXX

03/09/2026

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 53% is less than Guideline CLTV of 65% | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 53% is less than Guideline LTV of 65%

D

B

D

A

D

A

C

A

C

B

D

D

C

C

D

D

C

C

D

D

C

C

D

D

C

C

D

D

C

C

B

A

A

B

B

A

A

B

B

A

A

B

B

A

A

B

B

A

A

B

450100005

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Loan Review Complete

02/16/2026

Cured

finding-3634

Compliance

Charges That Cannot Increase Test

This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130 Cure Required. Refund in the amount of XXX cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The XXX% tolerance violation is due to the increase of the Appraisal Re-Inspection Fee's (XXX&XXX) from XXX on the initial LE dated XX/XX/XXXX, to XXX on the revised LE dated XX/XX/XXXX and initial CD dated XX/XX/XXXX. COC in file dated XX/XX/XXXX does not detail a valid reason (Settlement Charge) for the fee increases. XXX tolerance cure on the final CD was sufficient to cover the Credit Report Fee increase. Please provide a valid COC or cure package.

PCCD, LOX, Label & Check

03/06/2026

Lender provided the PCCD, LOE, refund in the amount of XXX and evidence of delivery. Loan will be graded a B.; Lender provided the PCCD, LOE, refund in the amount of XXX and evidence of delivery. Loan will be graded a B.; Lender provided the PCCD, LOE, refund in the amount of XXX and evidence of delivery. Loan will be graded a B.; Lender provided the PCCD, LOE, refund in the amount of XXX and evidence of delivery. Loan will be graded a B.; This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i).

03/09/2026

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 53% is less than Guideline CLTV of 65% | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 53% is less than Guideline LTV of 65%

D

B

C

B

D

A

C

A

C

B

D

D

C

C

D

D

C

C

D

D

C

C

D

D

C

C

D

D

C

C

B

A

A

B

B

A

A

B

B

A

A

B

B

A

A

B

B

A

A

B

450100005

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Loan Review Complete

02/23/2026

Rescinded

finding-3719

Compliance

TILA Post-Consummation Revised Closing Disclosure Finance Charge Test

This loan failed the TILA finance charge test.(12 CFR §1026.18(d)(1), transferred from 12 CFR §226.18(d)(1) he finance charge is $XXX. The disclosed finance charge of XXX is not considered accurate because it is underStated by more than XXX This loan failed the TILA finance charge test.(12 CFR §1026.18(d)(1), transferred from 12 CFR §226.18(d)(1) he finance charge is $XXX. The disclosed finance charge of XXX is not considered accurate because it is underStated by more than XXX Rescinded as there is no issue with finance charges. Rescinded as there is no issue with finance charges. NA

03/09/2026

D

B

C

A

D

A

C

A

C

B

D

D

C

C

D

D

C

C

D

D

C

C

D

D

C

C

D

D

C

C

B

A

A

B

B

A

A

B

B

A

A

B

B

A

A

B

B

A

A

B

450100005

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Loan Review Complete

02/17/2026

Resolved

FPRO1246

Property

Second Appraisal is Expired

Secondary Value Appraisal is Expired Appraisal Update in file

recert; recert

02/23/2026

Received Appraisal Updates for both reports and value is still supported.; Provide an Appraisal Update from XXX. XXXXX due to secondary appraisal report has expired.

02/24/2026

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 53% is less than Guideline CLTV of 65% | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 53% is less than Guideline LTV of 65%

D

B

C

A

D

A

C

A

C

B

D

D

C

C

D

D

C

C

D

D

C

C

D

D

C

C

D

D

C

C

B

A

A

B

B

A

A

B

B

A

A

B

B

A

A

B

B

A

A

B

450100005

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Loan Review Complete

02/17/2026

Resolved

FCRE3606

Credit

HMDA Data Tape Not Provided

Loan is pending HMDA data review. Additional conditions may apply.

HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided.

02/23/2026

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 53% is less than Guideline CLTV of 65% | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 53% is less than Guideline LTV of 65%

D

B

C

A

D

A

C

A

C

B

D

D

C

C

D

D

C

C

D

D

C

C

D

D

C

C

D

D

C

C

B

A

A

B

B

A

A

B

B

A

A

B

B

A

A

B

B

A

A

B

450100005

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Loan Review Complete

02/16/2026

Resolved

finding-47

Compliance

TILA Right of Rescission Test

This loan failed the TILA right of rescission test losed-end (12 CFR §1026.23(a)(3), transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3), transferred from 12 CFR §226.15(a)(3) he funding date is before the third business day following consummation he consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. The disbursement date XX/XX/XXXX is on the cancel by date on the ROR listed as XX/XX/XXXX. Proof of actual disbursement date is required to resolve or a cure package requires a PCCD, LOE, new ROR providing a XXX days right to cancel.

PCCD And LOX

02/19/2026

Condition resolved as we have received the corrected dates per PCCD.; Condition resolved as we have received the corrected dates per PCCD.

02/23/2026

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 53% is less than Guideline CLTV of 65% | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 53% is less than Guideline LTV of 65%

D

B

C

A

D

A

C

A

C

B

D

D

C

C

D

D

C

C

D

D

C

C

D

D

C

C

D

D

C

C

B

A

A

B

B

A

A

B

B

A

A

B

B

A

A

B

B

A

A

B

450100007

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Loan Review Complete

03/02/2026

Resolved

FCRE3606

Credit

HMDA Data Tape Not Provided

Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply.

HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided.

03/06/2026

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 54.19% is less than Guideline CLTV of 80% Calculated CLTV of 54.19% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 54.19% is less than Guideline LTV of 80% Calculated LTV of 54.19% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job.

C

A

C

A

C

A

A

A

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

450100009

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Loan Review Complete

03/06/2026

Resolved

finding-3634

Compliance

Charges That Cannot Increase Test

This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of XXX is due to increase from XXX to XXX for the Appraisal Review Fee, and XXX to XXX for the Credit Report Fee on the CD dated XXX.

Please see attached MEMO and CDA Receipt; Please see attached Notice of Change of Circumstances; Cure Check, PCCD, LOX, and Shipping Label | | ; Please see PCCD and LOX for cure which was issued to the borrower

04/01/2026

HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided.

04/02/2026

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job.

D

A

C

A

D

A

A

A

D

A

D

D

A

D

D

D

A

D

D

D

A

D

D

D

A

D

D

D

A

D

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

450100009

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Loan Review Complete

03/06/2026

Resolved

FCRE5774

Credit

Borrower 1 Credit Report is Incomplete

Borrower 1 Credit Report is Partially Present. The mortgage Statement for the property at XXX States taxes and/or insurance are escrowed, however it does not indicate if both taxes and insurance are escrowed. Please provide taxes and insurance documentation or verification that taxes and insurance are escrowed.

Please see attached Tax and HOI documents for XXX

03/27/2026

Lender provided taxes and insurance documentation as verification that taxes and insurance are escrowed. Condition cleared.

03/30/2026

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job.

D

A

C

A

D

A

A

A

D

A

D

D

A

D

D

D

A

D

D

D

A

D

D

D

A

D

D

D

A

D

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

450100009

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Loan Review Complete

03/06/2026

Resolved

finding-3532

Compliance

Initial Closing Disclosure Delivery Date Test

This loan failed the initial closing disclosure delivery date test due to one of the following findings:(12 CFR §1026.19(f)(1)(ii) he initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"XXX First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than three business days before consummation. Documentation required to clear exception: The initial CD is missing from the loan file. The earliest CD in the loan file was issued on XX/XX/XXXX and signed at consummation. The violation can be cured by providing the initial CD as well as evidence showing that is was received by the consumer XXX business days prior to consummation on XX/XX/XXXX.

Initial CD

03/11/2026

Lender provided the initital CD. Condition cleared. ; Lender provided the initital CD. Condition cleared.

03/12/2026

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job.

D

A

C

A

D

A

A

A

D

A

D

D

A

D

D

D

A

D

D

D

A

D

D

D

A

D

D

D

A

D

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

450100009

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Loan Review Complete

03/06/2026

Resolved

FCOM9186

Compliance

eSigned Documents Consent is Missing

The eSigned consent disclosure is missing. Documentation required. 1st e-signed document in the file is dated XX/XX/XXXX, however missing proof of e-consent dated XX/XX/XXXX or before.

eConsent

03/11/2026

Evidence of eConsent is provided. The eSigned documents consent is missing.; Evidence of eConsent is provided. Condition cleared.; Evidence of eConsent is provided. The eSigned documents consent is missing.; Evidence of eConsent is provided. Condition cleared.; Material

03/12/2026

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job.

D

A

B

A

D

A

A

A

D

A

D

D

A

D

D

D

A

D

D

D

A

D

D

D

A

D

D

D

A

D

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

450100009

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Loan Review Complete

03/06/2026

Resolved

FCOM1621

Compliance

Missing Initial Escrow Disclosure

Initial Escrow Account Disclosure is Missing Document Required : Initial Escrow Account Disclosure is Missing

Escrow Account Disclosure

03/11/2026

Initial Escrow Account Disclosure is Resolved; Initial Escrow Account Disclosure is Missing; Material

03/12/2026

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job.

D

A

B

A

D

A

A

A

D

A

D

D

A

D

D

D

A

D

D

D

A

D

D

D

A

D

D

D

A

D

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

450100009

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Loan Review Complete

03/06/2026

Resolved

FCOM1262

Compliance

Right of Rescission is Missing

Right of Rescission is Missing Documentation required to clear exception: Provide executed Right of Rescission for all borrowers and non-borrowers.

Notice of Right to Cancel

03/11/2026

Right of Rescission is Provided; Right of Rescission is Missing

03/12/2026

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job.

D

A

D

A

D

A

A

A

D

A

D

D

A

D

D

D

A

D

D

D

A

D

D

D

A

D

D

D

A

D

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

450100009

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Loan Review Complete

03/12/2026

Resolved

FCOM1265

Compliance

Non-Borrower Title Holder Did Not Receive Right of Rescission Form

Non-Borrower Title Holder Did Not Receive Right of Rescission Form

Non-Borrower Title Holder Received Right of Rescission Form

03/12/2026

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job.

D

A

C

A

D

A

A

A

D

A

D

D

A

D

D

D

A

D

D

D

A

D

D

D

A

D

D

D

A

D

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

450100009

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Loan Review Complete

03/06/2026

Resolved

FCOM1232

Credit

The Final 1003 is Missing

The Final 1003 is Missing Missing Final 1003.

Final Signed 1003

03/11/2026

The Final 1003 is Present

03/12/2026

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job.

D

A

D

A

D

A

A

A

D

A

D

D

A

D

D

D

A

D

D

D

A

D

D

D

A

D

D

D

A

D

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

450100009

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Loan Review Complete

03/05/2026

Resolved

FCOM3075

Credit

Missing US Patriot Act Disclosure or ID

Missing US Patriot Act Disclosure or ID. Missing US Patriot Act Disclosure or ID for both borrowers.

Patriot Act Disclosure and Form

03/11/2026

US Patriot Act Disclosure or ID provided. Condition cleared.; Material

03/12/2026

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job.

D

A

B

A

D

A

A

A

D

A

D

D

A

D

D

D

A

D

D

D

A

D

D

D

A

D

D

D

A

D

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

450100009

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Loan Review Complete

03/05/2026

Resolved

FCRE3606

Credit

HMDA Data Tape Not Provided

Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply.

HMDA Data Tape Provided.; ; HMDA received - no level XXX discrepancies - condition cleared

03/12/2026

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job.

D

A

C

A

D

A

A

A

D

A

D

D

A

D

D

D

A

D

D

D

A

D

D

D

A

D

D

D

A

D

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

450100011

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Loan Review Complete

03/06/2026

Resolved

FCOM3849

Compliance

Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR  1002.14(a)(1))

The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). Please provide evidence Borrower received Appraisal at or prior to loan consummation.

Appraisal Acknowledgement |

03/12/2026

Evidence of appraisal delivery provided.; ; Provide evidence of delivery, as documentation is required to meet RESPA regulations.; Material

03/17/2026

Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 30.16% is less than Guideline LTV of 75% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 30.16% is less than Guideline CLTV of 75%

C

A

B

A

C

A

A

A

B

A

C

C

A

B

C

C

A

B

C

C

A

B

C

C

A

B

C

C

A

B

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

450100011

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Loan Review Complete

03/06/2026

Resolved

FCRE1440

Credit

Housing History Does Not Meet Guideline Requirements

Housing History Does Not Meet Guideline Requirements MISSING MORTGAGE rating on the subject property from XX/XX/XXXX when property was XXX to current XX/XX/XXXX payment. Lender to provide a satisfactory history from XXX. It is not reported on the credit report. Lender to confirm prior to this mortgage, borrower had mortgage on prior property with XXX mtg which is rated on the credit report and needed to confirm last XXX mo mortgage history. Additional conditions may apply.

memo and XXX Statement

03/12/2026

Upon further review, the lender provided a mortgage Statement dated XX/XX/XXXX showing current. Per LOE, XXX mortgage is from another property sold in XXX Condition cleared. ; Provide a copy of the Trust to verify B1’s ownership interest, along with a XXX‑month verification of mortgage history confirming no XXX‑day late payments (XXX×XXX).

03/17/2026

Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 30.16% is less than Guideline LTV of 75% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 30.16% is less than Guideline CLTV of 75%

C

A

C

A

C

A

A

A

B

A

C

C

A

B

C

C

A

B

C

C

A

B

C

C

A

B

C

C

A

B

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

450100011

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Loan Review Complete

03/09/2026

Resolved

FCRE3606

Credit

HMDA Data Tape Not Provided

Loan is pending HMDA data review. Additional conditions may apply.

HMDA received - no level XXX discrepancies - condition cleared; HMDA Data Tape Provided.

03/11/2026

Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 30.16% is less than Guideline LTV of 75% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 30.16% is less than Guideline CLTV of 75%

C

A

C

A

C

A

A

A

B

A

C

C

A

B

C

C

A

B

C

C

A

B

C

C

A

B

C

C

A

B

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

450100013

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Loan Review Complete

03/06/2026

Resolved

FCRE3606

Credit

HMDA Data Tape Not Provided

Loan is pending HMDA data review. Additional conditions may apply.

HMDA received - no level XXX discrepancies - condition cleared; HMDA Data Tape Provided.

03/11/2026

Original LTV is Below the Guideline Maximum - Calculated LTV of 30% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 30% is less than Guideline CLTV of 80% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%

C

A

C

A

C

A

A

A

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

450100015

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Loan Review Complete

03/20/2026

Resolved

FCRE3606

Credit

HMDA Data Tape Not Provided

Loan is pending HMDA data review. Additional conditions may apply.

HMDA received - no level XXX discrepancies - condition cleared; HMDA Data Tape Provided.

03/25/2026

Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 55.15% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 55.15% is less than Guideline CLTV of 80%

C

A

C

A

C

A

A

A

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

450100017

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Loan Review Complete

03/30/2026

Resolved

FCOM8997

Compliance

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Informational

04/01/2026

Original LTV is Below the Guideline Maximum - Calculated LTV of 64.41% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 64.41% is less than Guideline CLTV of 80%

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

450100017

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Loan Review Complete

04/01/2026

Resolved

FCRE8999

Credit

No Credit Findings

The loan meets all applicable credit guidelines.

Informational

04/01/2026

Original LTV is Below the Guideline Maximum - Calculated LTV of 64.41% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 64.41% is less than Guideline CLTV of 80%

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

450100017

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Loan Review Complete

04/01/2026

Resolved

FPRO8998

Property

No Property Findings

Property and valuations related findings were not identified on the loan.

Informational

04/01/2026

Original LTV is Below the Guideline Maximum - Calculated LTV of 64.41% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 64.41% is less than Guideline CLTV of 80%

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

450100019

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Loan Review Complete

03/31/2026

Resolved

FCRE3606

Credit

HMDA Data Tape Not Provided

Loan is pending HMDA data review. Additional conditions may apply.

HMDA received - no level XXX discrepancies - condition cleared ; HMDA Data Tape Provided.

04/06/2026

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 56.5% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 56.5% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years on job.

C

A

C

A

C

A

A

A

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

450100021

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Loan Review Complete

04/07/2026

Cured

finding-3652

Compliance

Lender Credits That Cannot Decrease Test

This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i) he loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits XXX does not exceed or equal the comparable sum of specific and non-specific lender credits ($XXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The lender credit tolerance violation in the amount of XXX is due to decrease in Lender Credit from XXX to XXX on the final CD dated XX/XX/XXXX

Document Uploaded. Please see the attached package mailed to the borrower.

04/09/2026

Cure package provided to the borrower; Exception downgraded to a 2/B; Cure package provided to the borrower; Exception downgraded to a 2/B

04/09/2026

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job.

A

B

A

B

A

A

A

A

A

B

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

B

A

A

B

B

A

A

B

B

A

A

B

B

A

A

B

B

A

A

B

450100021

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Loan Review Complete

04/06/2026

Resolved

FCRE8999

Credit

No Credit Findings

The loan meets all applicable credit guidelines. The loan meets all applicable credit guidelines.

Informational

04/07/2026

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job.

A

B

A

A

A

A

A

A

A

B

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

B

A

A

B

B

A

A

B

B

A

A

B

B

A

A

B

B

A

A

B

450100021

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Loan Review Complete

04/06/2026

Resolved

FPRO8998

Property

No Property Findings

Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan.

Informational

04/07/2026

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job.

A

B

A

A

A

A

A

A

A

B

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

B

A

A

B

B

A

A

B

B

A

A

B

B

A

A

B

B

A

A

B

450100023

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Loan Review Complete

04/06/2026

Resolved

FCRE8999

Credit

No Credit Findings

The loan meets all applicable credit guidelines.

Informational

04/08/2026

Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

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A

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A

A

A

A

450100023

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Loan Review Complete

04/06/2026

Resolved

FPRO8998

Property

No Property Findings

Property and valuations related findings were not identified on the loan.

Informational

04/08/2026

Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

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A

A

A

A

450100023

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Loan Review Complete

04/08/2026

Resolved

FCOM8997

Compliance

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Informational

04/08/2026

Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

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A

A

A

A

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A

A

A

A

A

A

A

A

450100025

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Loan Review Complete

04/13/2026

Cured

finding-3652

Compliance

Lender Credits That Cannot Decrease Test

This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i) he loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits XXX does not exceed or equal the comparable sum of specific and non-specific lender credits ($XXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b cure required: Refund in the amount of XXX The lender credit decreased from XXX on the Revised CD to XXX on the final CD. There is no COC provided; Cure package requires a PCCD or proof of refund check to the borrower in the amount of XXX

Document Uploaded. Please see the attached redisclosure package.

04/15/2026

cure package provided, exception downgraded to a 2/B; cure package provided, exception downgraded to a 2/B

04/16/2026

Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job.

C

B

C

B

A

A

A

A

C

B

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

B

A

A

B

B

A

A

B

B

A

A

B

B

A

A

B

B

A

A

B

450100025

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Loan Review Complete

04/10/2026

Resolved

FCRE8999

Credit

No Credit Findings

The loan meets all applicable credit guidelines.

Informational

04/14/2026

Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job.

C

B

A

A

A

A

A

A

C

B

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

B

A

A

B

B

A

A

B

B

A

A

B

B

A

A

B

B

A

A

B

450100025

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Loan Review Complete

04/10/2026

Resolved

FPRO8998

Property

No Property Findings

Property and valuations related findings were not identified on the loan.

Informational

04/14/2026

Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job.

C

B

A

A

A

A

A

A

C

B

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

B

A

A

B

B

A

A

B

B

A

A

B

B

A

A

B

B

A

A

B

450100027

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Loan Review Complete

04/10/2026

Resolved

FCRE8999

Credit

No Credit Findings

The loan meets all applicable credit guidelines.

Informational

04/14/2026

Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

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A

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A

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A

A

A

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A

A

A

A

A

A

A

A

450100027

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Loan Review Complete

04/10/2026

Resolved

FPRO8998

Property

No Property Findings

Property and valuations related findings were not identified on the loan.

Informational

04/14/2026

Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

450100027

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Loan Review Complete

04/14/2026

Resolved

FCOM8997

Compliance

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Informational

04/14/2026

Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

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A

A

A

A

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A

A

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A

A

A

A

A

A

A

A

A

450100029

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Loan Review Complete

04/13/2026

Resolved

FCRE1328

Credit

Borrower 1 W2/1099 Missing

Borrower 1 W2/1099 Missing. Loan file is missing Borrower 1 W2's. W2's in file are blank.

Document Uploaded. Please see the attached W2s.

04/15/2026

Borrower 1 W2/XXX Provided

04/16/2026

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job.

D

A

D

A

D

A

A

A

A

A

D

D

A

A

D

D

A

A

D

D

A

A

D

D

A

A

D

D

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

450100029

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Loan Review Complete

04/10/2026

Resolved

FPRO8998

Property

No Property Findings

Property and valuations related findings were not identified on the loan.

Informational

04/14/2026

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job.

D

A

A

A

D

A

A

A

A

A

D

D

A

A

D

D

A

A

D

D

A

A

D

D

A

A

D

D

A

A

A

A

A

A

A

A

A

A

A

A

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A

A

A

A

A

A

A

A

A

450100029

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Loan Review Complete

04/14/2026

Resolved

FCOM8997

Compliance

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Informational

04/14/2026

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job.

D

A

A

A

D

A

A

A

A

A

D

D

A

A

D

D

A

A

D

D

A

A

D

D

A

A

D

D

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

450100031

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Loan Review Complete

04/10/2026

Resolved

FCRE8999

Credit

No Credit Findings

The loan meets all applicable credit guidelines.

Informational

04/14/2026

Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

450100031

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Loan Review Complete

04/10/2026

Resolved

FPRO8998

Property

No Property Findings

Property and valuations related findings were not identified on the loan.

Informational

04/14/2026

Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

450100031

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Loan Review Complete

04/13/2026

Resolved

FCOM8997

Compliance

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Informational

04/14/2026

Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

450100033

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Loan Review Complete

04/15/2026

Resolved

FCRE1188

Credit

Audited CLTV Exceeds AUS CLTV

Audited CLTV of 80% exceeds AUS CLTV of 77% Audited CLTV of 80% matches the XXX CLTV of 80%. Please provide an updated AUS.

Please see attached updated AUS.

04/20/2026

Audited CLTV of 80% is less than or equal to AUS CLTV of 80%

04/20/2026

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%

D

A

C

A

D

A

A

A

A

A

D

D

A

A

D

D

A

A

D

D

A

A

D

D

A

A

D

D

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

450100033

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Loan Review Complete

04/15/2026

Resolved

FCRE1189

Credit

Audited HCLTV Exceeds AUS HCLTV

Audited HCLTV of 80% exceeds AUS HCLTV of 77% Audited HCLTV of 80% matches the XXX HCLTV of 80%. Please provide an updated AUS.

Please see attached updated AUS.

04/20/2026

Audited HCLTV of 80% is less than or equal to AUS HCLTV of 80%

04/20/2026

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%

D

A

C

A

D

A

A

A

A

A

D

D

A

A

D

D

A

A

D

D

A

A

D

D

A

A

D

D

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

450100033

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Loan Review Complete

04/15/2026

Resolved

FCRE1187

Credit

Audited LTV Exceeds AUS LTV

Audited LTV of 80% exceeds AUS CLTV of 77% Audited LTV of 80% matches the XXX LTV of 80%. Please provide an updated AUS.

Please see attached updated AUS.

04/20/2026

Audited LTV of 80% is less than or equal to AUS CLTV of 80%

04/20/2026

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%

D

A

C

A

D

A

A

A

A

A

D

D

A

A

D

D

A

A

D

D

A

A

D

D

A

A

D

D

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

450100033

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Loan Review Complete

04/15/2026

Resolved

FCRE1185

Credit

AUS Partially Provided

AUS Partially Provided. The AUS-DU Approval shows an incorrect XXX of XXX per the subject note the XXX is XXX and an incorrect appraised value of XXX per the appraisal the correct value is XXX Please provide an updated AUS-DU approval.

Document Uploaded. Please see attached updated AUS.

04/20/2026

AUS is not incomplete.

04/20/2026

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%

D

A

D

A

D

A

A

A

A

A

D

D

A

A

D

D

A

A

D

D

A

A

D

D

A

A

D

D

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

450100033

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Loan Review Complete

04/15/2026

Resolved

FPRO8998

Property

No Property Findings

Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan.

Informational

04/17/2026

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%

D

A

A

A

D

A

A

A

A

A

D

D

A

A

D

D

A

A

D

D

A

A

D

D

A

A

D

D

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

450100033

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Loan Review Complete

04/16/2026

Resolved

FCOM8997

Compliance

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Informational

04/17/2026

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%

D

A

A

A

D

A

A

A

A

A

D

D

A

A

D

D

A

A

D

D

A

A

D

D

A

A

D

D

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

450100035

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Loan Review Complete

04/15/2026

Resolved

FPRO8998

Property

No Property Findings

Property and valuations related findings were not identified on the loan.

Informational

04/17/2026

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job.

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

450100035

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

QM: Safe Harbor APOR (APOR SH)

Loan Review Complete

04/15/2026

Resolved

FCRE8999

Credit

No Credit Findings

The loan meets all applicable credit guidelines.

Informational

04/17/2026

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job.

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A